Complain about cartrack

I was hijacked on the 24 may 2018 by three Men. They kept me hostage until 25 may 2018, while two of them went to the bank to withdraw my salary. They started to withdraw at 00h00 at that time my salary was not in yet. When my salary got in they did several withdrawals and did a transfer to one of my beneficiaries. Cartrack rejected my claim because hijackers transfered money to one of my beneficiaries via the ATM. Cartrack claim it is *****. This means I as a client is responsible for what hijackers did on my bank account. The bank says this is possible via the atm. I even went to the bank to get times of all transactions that happened on that night as Cartrack instructed me to do so. It shows on the transactions report that all transactions were done on same ATM.

I do not know how this can be ***** and why should they use this as an excuse to reject my claim. Can I please get help on this matter as I feel like I am being ****med by Cartrack.