people in India withdrawing my money

Capitec is the worst bank eva!!2 years ago my husbands whole month salary was ****** from his account and all capitec said after a long wait for investigation to finnish was sorry but they cant help us get the money back as the card was cloned..AND then on saterday 16/12/17 while sitting at home my husband got msg from cellphne bankng for money withdraws and all of our money was withdraw from the account while my husband had his card in his wallet his money was withdrawn internationaly in India we stopped the card on the app and went to the branch the next day and the consultant showed us that on the 15/12/17 the same person tried to withdraw but luky for us my husbands salary was not paid in yet at that time and also tried after we stopped the card on the app,and when we asked how someone can withdraw money with the same card no and no pin she said that its easy for them to apply for a new pin for your card even if we have the card HOW!and she took the old card and gave him a new one and said we must wait 8 days as they need to investigate..investigate WHAT !!we heard that before and what about our 4 children?they are not going to understand that there will be no christmas clothes or food because someone far far away is enjoying there dadys hard earned money and they must wait till next year maybe then will Capitec not be so negligents about giving peoples money away and after my husbands first incedent hes over protected about his bank card and details i dont even know his bank or app pin and always carry his card in his wallet just because he knows the feeling of loosing all his money but i still get that feeling that capitec are still going to fnd a way to not give back our money but this time i wont rest because its chrismas and my children suffered to much in the past at the hands of capitec and the other problem we have is my husband is under debt review so he cant make any loans or open accounts just incase we dont get our money back so loosing it is not a option this time really im so cross in the first place how can it be so easy to just withdraw money overseas from a normal savings account?is there really no rules or is there really no need to inform your bank that you will be going oversea and want to access your money while oversea and how can someone get a new pin for your card when you yourself cant even change your pin without going into a branch please give me some kind of answers so i can understand and have something to tell my children to make them understand why they will not be having a christmas this year please