[Resolved]  HSBC Bank Dubai — credit card payment

I had my saving account in hsbc bank jebel ali branch dubai (u.a.e) my salary was directly deposited in to my acount.even i had credit card from the same bank.since i lost my job i had to return to India.my credit card had expired in november 2005.but i found the bank had with drawn approimately 8200 dhirmas from my account in november 2006 towards my credit card payment.
when i had been to dubai to collect my money the officer told me it would tkae 15 days to reimburse the money as i could not stay longer due to visa and financial constraint i took her word as gospel truth. after 15days when i called on her she instructed me to fill credit card complaint form then there was no reply for 5 months.after regular follow up i recived letter stating that since payment has already done to the merchant banker they would not reimburse my money and since i didnt close my credit card they would not reimburse the money.
My credit card had expired in november 2005 and they have made the payment to the merchant in november 2006.i had never renewed my card. even if the bank had renewed it. i never recieved the card till date.nor did i activate my new card.how can the bank held me resposible for their security problem.
i would request you please help me to solve this problem as i have already spend lot of money to travelling to dubai and no result.
thanking you
your truly
Anthony