My bank with whom I pay US$20 service charge a month to have an account with has been withholding a considerable amount of money from annulled flight and acommodation purchases made in Europe via Visa debit card months ago. You would think if it was just a straight annulment and the money is destined to go back to its source then simples right? So what the hell is going on? Anyone had a similar experience? Its really starting to feel sinister now. I'm not in the country now so I cant storm into a branch and unleash hell. Is there a regulating body I can direct this issue to and are they effective? If I need to get a lawyer any chance of success?