CARD CLONED, MONEY ******, FNB SAYS I NO FOR PAYING BACK!

Good day, I would like to share my experience with everyone. As a FNB private client, i am extremely disappointed in their service. HOW CAN WE HELP YOU... no help at all. I am a client for many years, personally and for my business. My card was cloned at a FNB ATM at the branch. R3000 was withdrawn out of my cheques account and then R3000 out of my credit card and then within minutes R2600 liquor was bought at a liquor shop far from where the ATM was. I inserted my card and pin and then nothing happended. My card didnt even come out. It was kept in the machine. It took the ***** line 15min to answer the call and assist me. Within that time a waited for the ***** department to help me a liquor transaction went off. There was no security offices sitting in their seats and the camera footage is only available after a make a case against the bank at the police station to get access to the footage. Never the less, after i had to phone the bank 2 weeks later they send me a letter to inform me they are not refunding my R8600 as i had to be more careful of my pin??? Explain to me how do i protect my pin if there is a machine fitted into the atm in order for the ******* to clone my card??? This is why i am posting my story here, i contacted my lawyer to take it from here and will go to the police to assist me. I rep**** back to the ***** department but sure nothing will come from this. I shall wait for this case to be finalized and move all my bank relations to a bank that will be there for me and have my back. Disappointment is not even the word.