Re. point 2 - from experience, I agree totally [see my earlier post way up this thread about CC fraud].

The UK police fell way short of my initial expectations, heck we even offered to set up a product delivery against a known bad card so they could nab the thief and they were not interested at all (it's the bank's loss, hey, wait a minute no, it's the merchant's loss, ah too bad).

I'm not trying to bash the UK police here but the whole theft/fraud thing here is totally wrong.