I had over a grand taken from my account before i found out.
The trouble is I only withdraw cash from inside banks, and never let my card out of sight in shops. So how my card has been cloned is a complete mystery. Police are not ruling out someone getting into the bank system. So watch your accounts like a hawk if you bank with HSBC.
On the positive side I get my money back, but only after an investigation which could last for three months!!!