My card got taken by an ATM and then money was taken fraudulently however Santander are refusing to refund my money and they want me to investigate and find the criminals and once I have given them everything they may refund my money. They are basically saying that they are happy to take my money every month and use it to make money with but when I have an issue its my responsibility to find the criminals. Santander are a cowboy bank and do not have any idea of how to treat customer so stay away if you value your money. if you are happy to receive no help when help is needed or if you are happy to wait for over 1 hour to speak to someone then Santander is the bank for you. use any bank but Santander!!!!