Hey, I had my wallet stolen a few months back and my contactless card was used a few times before I woke up to see the notification and could cancel the card.
Startling dealt with it brilliantly in comparison to Barclays who had also been used. Starling refunded my money the following business day- Barclays took 4 weeks as I had to complete a paper form and post it back to them which as usual got lost in the post and an email couldn’t be taken.
Starling also delivered my new card on the Tuesday so I was only without a card for one business day which was awesome- I would recommended getting a new card rather than just freezing it as nothing stopping it being used in the future if you keep the same card number.
The merchant did present the rejected card transactions again (after the card had been cancelled) using the same transaction iD so I had to contact Starling again and again the CS team dealt with it very quickly and efficiently- this was the main reason I switched my DDs and salary from Barclays. Didn’t do a full switch as I have to get some coins every now and again to pay dog walkers etc and need the branch.