Warm wishes Vicky
Transpires that the paypal pro flow box was unticked in payment processing and it had been allowing card payments through without forcing them through 3D secure despite it being checked in paypal manager. This occured when their was updates a few months ago to the paypal pro processing within EKM and explains why i have seen a sudden increase in fraud over last few months. Several hours spent on phone with paypal technical support today got to bottom of it. So if you are a paypal pro user do make sure that box is ticked in your ekm payment processing!