thanks, the odd thing is though that according to them the money was pinned in Rotterdam (where I live) so that means if someone cloned my card and hacked my accound they also have to live in the same city as me.
They also say the money was pinned with the card right after it was transfered to it, but as far as I know it always takes around 12-24 hours for the money to appear on your card, so how would that be possible
I'm afraid legal action is indeed going to be the only way.