Ok, so I'm 20 years old and last month I was with my friends on a city break in Warsaw where we went to a strip club one night and the next morning I woke up not remembering barely anything but with about €1200 gone from my account. I know that it is entirely my own fault for going in there with such a stupid amount of money on my card but it was my first time ever going into one and we hadn't planned on going to one that night. Anyway, I was absolutely distraught over this. I went to the police station there and to be fair they took my complaint about the club seriously, got me an English translator, and gave me documentation saying that I was a victim of fraud. When I sent all this off, along with a letter explaining what had happened, to Bank of Ireland, they rejected my claim because they don't refund chip and pin transactions. I'm just wondering if there is any point of appealing it if that's the case and if so what would be the best way of going about it.
I realise I got what I deserved really for going to such a place but I just feel terrible about it still and it happened a month ago. I've always been extremely careful with my own money and I can't comprehend what happened really. I'm pretty sure I was spiked in there because upon entering I was given a 'free' shot and I literally remember nothing beyond drinking this and I remember everything beforehand clearly, but I didn't mention this in my police report or my first claim because I thought it would sound unrealistic and just stupid really. I realise that the chances of me ever seeing that money again are almost nil but any advice would be appreciated, I feel like I should just try making an appeal considering I went to the trouble of getting documentation off foreign police.
I should probably add that we were quoted a price when we entered the club of €45 and that's what my friends who didn't use card spent in there. Two of my friends who tried to use cards in there had the transactions rejected by the card and one who did use card had €600 taken from him, although me and him stayed in there for longer than the rest. I realise I must sound like a complete idiot throughout this post but I still feel so depressed and ashamed over losing that much money and if there's any way possible of making a successful claim I may as well try it.
I realise I got what I deserved really for going to such a place but I just feel terrible about it still and it happened a month ago. I've always been extremely careful with my own money and I can't comprehend what happened really. I'm pretty sure I was spiked in there because upon entering I was given a 'free' shot and I literally remember nothing beyond drinking this and I remember everything beforehand clearly, but I didn't mention this in my police report or my first claim because I thought it would sound unrealistic and just stupid really. I realise that the chances of me ever seeing that money again are almost nil but any advice would be appreciated, I feel like I should just try making an appeal considering I went to the trouble of getting documentation off foreign police.
I should probably add that we were quoted a price when we entered the club of €45 and that's what my friends who didn't use card spent in there. Two of my friends who tried to use cards in there had the transactions rejected by the card and one who did use card had €600 taken from him, although me and him stayed in there for longer than the rest. I realise I must sound like a complete idiot throughout this post but I still feel so depressed and ashamed over losing that much money and if there's any way possible of making a successful claim I may as well try it.