It will be interesting to see what happens when a debit card is abused. Good luck.

I had someone from a gas station charge 2 $40 cash transactions to my debit card and luckily I noticed it the day they posted to my account. How often do you have transactions in the amount of $40 exactly at a gas station?

My bank (Wachovia) credited me the money immediately while the investigation began to take place. Once they found the offender at fault, I received a letter in the mail telling me this.

I never had a problem. I don't know what bank you have or how they handle things in the UK but my experience wasn't so bad.

Best of luck to you at receiving your funds back!