However I am liable to the theft as the PIN was used according to the banks.
A lot of PIN cards (edit: actually may be all) can be used without the pin. So, can you ask the bank to prove that the PIN was used?
Transactions were made in the interim between the cards being stolen and me cancelling them
just take a step back and look at this from the outside - the only transactions were made before the card was cancelled, can you not see how this would look to any bank? how many days/hours between the two events?
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