If your card has been lost or stolen and your card provider is refusing to refund the money that has been taken, use this letter to help get your money back.
Dear Sir/ Madam,
Reference: [account/ card number]
I write further to my telephone call on [date]
On [date] my [details of card] was [stolen/lost].
Although I notified you immediately of the loss of the card, you confirmed that the card had already been used to make the following purchase without my authority:
[Details of the transaction]
I would be grateful if you would credit the sum in dispute back to me and provide your confirmation that this has been done.
I look forward to hearing from you by return.