Capitec won't refund my money

I have a banking account with Capitec for years, on the 29th of July I was on my way to work my husband and I stopped at the standard bank ATM in Churchill Rd Plumstead to get some money. My husband put my card into the Standard bank machine and the ATM swallowed my bank card.This happened at 08H54. I immediately went to Capitec bank in Constantia village centre I stopped my card at 09h10 and was issued a new card I was on my way to work and the que was long so I went to the Nedbank ATM and all my money was gone. I then went to the Capitec bank at Hypermarket in Ottery. I reported this to them when we did a statement check my money had been taken out at an FNB. ATM. at no point did my husband enter my pin number.The consultant at Capitec in Ottery then reported the incident to their legal department. On the 3rd of August I was contacted by a consultant from their legal department and advised that because I didn't contact them to stop my card immediately I would not be getting my money back and that I had been ****med. I forgot my cellphone on charge at home another thing how was I supposed to know I was being ****med as sometimes a bankcatd can be swallowed for whatever reason one example is if your card has expired. Please give me advise on how to handle this situation. I cannot believe I am being punished for this crime. I am a 63 year old registered nurse and work very. hard for my money to be told I will not get my money back is devastating. Please someone advise. Thanks Lynette.

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