From the date of the notice of error.
"I lost my card" puts liability from that date on, on you.
"Hey, I now see my money is gone." is the date you'd start an investigation if you didn't see this on your own before.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell