Wait a bit Theomummy. I had the same thing happen to me, the money was reimbursed by the bank and that was all OK, but a similar thing happened to someone else I know, and although the bank put the money back into her account, they took it out again some time later. Can't remember why they did that now, because something genuinely fraudulent'd gone off, but I'm sure it had to do with her not reporting the matter to the police when the money first disappeared, although the bank was notified - either that, or the other way round.