Okay so today I spoke to my banks (Nationwide) fraud department, and a really helpful and informative guy called Steve. He took all the details and then told me what I wanted to hear. He told me that I was fully covered and that the money would be refunded in the next couple of days.

He went on to tell me how this problem is quite prolific in Asia and one of the biggest markets for stolen card details at present is Austraila. Now I am not 100% sure how true that is, but he is the man in the know and I have no reason to not trust him.