>>>fraud sections of banks never ring you apparently
Wrong!
I had a caller who claimed he was from Santander, alerting me to £800 having been removed from my account under suspicious circumstances. I was obviously very wary initially but it turned out that the call was GENUINE and someone had taken £200+ £300 + £300 from my account, using cash machines in Stratford, London. (My card was a 'cash machine only' card, not a debit card, so the thief can't have obtained my card details through any shop or online transaction. Further, I'd not used that account for over a year and my card hadn't left my wallet during that time).
Santander did refund the money but it does prove that at least some 'anti-fraud' calls are actually genuine!