If your wallet was stolen and your bank cards fraudulently used to withdraw cash or buy things, you would expect to be refunded by your bank.
However, some customers are finding that if the thief uses the correct pin number for these transactions, their banks are refusing to paying out.
They claim the victim must have left their pin number with their card or otherwise not taken sufficient care to protect it.
Is this approach fair to customers? Reporter Bob Howard looked into the issue.
This item was first broadcast on Radio 4's Money Box on Saturday, 3 October 2009.