Handbag hell: My nightmare after crooks stole my bagMirror Personal Finance Editor Tricia Phillips tells of the devastation caused when thieves swiped her bag07:00, 16 NOV 2012Victim: Tricia was targeted by thieves in a pub on a Friday night Get money updates directly to your inbox+ SubscribeThank you for subscribing!Could not subscribe, try again laterInvalid EmailMy life was literally snatched away from me in a moment as a gang of crooks stole my handbag and then went on a spending spree.I have been writing about the facts and figures of victims of thieves for years and thought I understood the hassle and heartache that they were going through.But nothing prepares you for the devastation something so simple can have on your life and the fact that, even though you are the victim, you have to prove your innocence.I was targeted by thieves in a pub at 10.15pm on a Friday and left with no money, debit card, credit card, phone, house keys or car keys.I couldn’t call anyone for help as I don’t know any of my family or friends’ numbers off by heart any more you just press a name on your mobile these days.Within 12 minutes of the theft, the villains had in ways still unknown to me cracked the PIN numbers on my debit and credit cards, hacked into my account and withdrawn hundreds of pounds in cash.They then went on a mini spending spree, stocking up on some supplies for the evening, getting cashback and finishing with a takeaway curry as they emptied my bank account.When I contacted my bank they wouldn’t reimburse me with the cash for the transactions that had taken place until they had carried out a fraud investigation.So I still had no access to any cash for several days until they decided it was a genuine fraud, rather than one I had orchestrated myself.Many of us carry our lives round with us in our handbagsLuckily a good friend was able to lend me some money and the use of their mobile as I began the mammoth task of calling insurers, mobile phone firms and the police.I then found out to my horror that my home contents policy, despite costing me a month, did not have personal possessions cover, so my iPhone, iPod, two pairs of prescription glasses, cash, new handbag and other belongings were not covered.

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