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I notified my financial institution of an unauthorised transaction. I waited the 40 business days as requested, then I received a letter in the mail to notify me that my pin was used to withdraw the funds, so therefore it had to have been me, and nobody had stolen my money.

I phoned up and spoke to this woman who could barely speak a word of English. I tried explaining to her all the details, and she kept butting in, and then eventually said "are you not satisfied with the content of the letter". Uhm.. clearly NOT!

I had to fight it, but eventually the funds were returned to me and I got this brief letter stating that.

What pissed me off the most, was that I was scammed at my local ATM, outside my own bank!

Moral of the story, be persistent with getting your money back.