Thanks for that, also thanks to Michael who has sent me some pm's and explained my rights. Been into the Halifax and asked about making a claim. The stupid woman, or should I call her a fully-trained customer advisor, told me I had no redress with a debit card. I pointed out to her that a visa debit card is covered, so she went to consult a colleague. Within two minutes she is back and then spent ten mins on the computer trying to locate the correct form. She decided to make a phone call to the card services help desk, and tried to get them to sort it. Another ten minutes pass and she eventually puts the phone down and passes me to a colleague in the branch who sorts it out, or so I thought. When I get home and look at the paperwork she provided me with I discover that she put the correct amount in for the tickets I purchased (£1,656) but underneath she typed that the total amount debited from my account was £165!! A saga that may run and run!