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I lost a card in Brighton one weekend, a couple of hours after I reported it lost (after seeing a few 5 quid transactions go through), the bank called me to ask if I was trying to use it in a hotel in Brighton to pre-authorise a checkin. Said no, obviously it's someone else. Called the police as I assumed it'd be an easy win for them, they didn't give a shit.
atz
My other half lost a card a few years ago. We noticed straight away and reported it. 36 hours later someone managed £150 of transactions. All small stuff like less than £10 at Tesco and McDonald's, all around Charing Cross. Annoying that none of the purchases had an online check and how tedious the paperwork to refute the transactions was.