It is clear to me that I was scammed by people that knew well how to manipulate the system to their advantage. I tried to be very safe, asking the bank persons I spoke to each time to check that the repayments were all made as had been claimed before I sent any funds overseas. Not XXXX bank person ever warned me that the supposed payments could fail to be real at a later date, had I known that I would NEVER have proceeded. Furthermore I was also shocked that in general it is possible by any means to go so far beyond my credit limit- I imagined banks would have safeguards to prevent that too. That my name and a fake account in my name was used to 'pay ' these charges was also a fraudulent action. 
I have been a consumer using my credit carefully for many years, prior to this my FICO score was over XXXX, I never charged more than I could readily repay. These charges are now more than my pension or savings could possibly cover, like buying a house on charge cards. My retirement is clearly in jeopardy now and my life in general is also as I am so uncomfortable with this unresolved issue. I depended on bank employees for accurate information to operate safely, only to find the info they provided was not accurate but I am to be held accountable. 
I feel these debts in my name should be cleared and that better banking practices instituted to prevent scammers from abusing the system in the future. 
