You don't need to go to court to reclaim a fraudulent debit. For one, there's limits in place on card transactions and bank transfers with every bank. In every

You don't need to go to court to reclaim a fraudulent debit. For one, there's limits in place on card transactions and bank transfers with every bank. In every (read: two) situation I've had where my card was skimmed/used without permission, the bank cancelled my card and refunded the amount within 24 hours.