[user104658]

Originally Posted by bitontheslide

i only ever tried it once, i gave them the details and 6 weeks later they came back with .... tough luck

Yeah it has to be a really specific set of circumstances, usually where there's a clear double charge on the statement etc.

I get the feeling that with a holiday, if the seller is saying they'll refund but just isn't actually doing it, the bank may well say it's a small courts claim to get the refund.

Debit card transactions don't have the same protections and guarantees as credit cards. If you have a credit card it's always worth making big purchases on that - even if you then just pay the balance from your bank immediately. You get a tonne of fraud protection/guarantees/charge back options with a good CC provider.