I have a replacement card now so all sorted.
Thing is that I never leave my credit card details on any website / purchaser - not even Pay Pal.
I also check that any website I use is HTTPS and shows the padlock.
The only thing I can put it down to is when I tried to buy something on the web (secure site) when I pressed "pay now" an odd dialogue box appeared stating that the transaction had failed - I thought nothing more of it and aborted the purchase.
All the scams were post that date.
3 fraudleunt transactiosn were made and I contacted all 3 companies with the details (they must have had a delivery address as they were all for goods) but due to data protection they would not tell me anything their only response was "sorry to hear this"
So the scamming barstweards have got away with it, yes I have my money back but that is not the point.
It has all made me very weary about buying anything on line now.