Thanks for all the responses.
Yes my Danish Visa card is effectively a debit card, so the money comes straight out of the current account. I will hassle the bank on Monday, normally they are very nice and understanding.
As this was a part air mile cash ticket it was priced in the currency of my home region.
It is good news about customer services being in Germany, my wife is German and is a Pro at complaining (quick check that she can not read this
)
Edit: Money now nearly back in account
Just waiting for it to clear