An unreserved apology to you Fargoo. I certainly wasn't having a go at anyone, just trying to be helpful - I had misread the first post; because he mentioned his current account i thought he meant he used a debit card. And his later post explaining that his Danish Visa card was effectively a debit card didn't really clarify the matter! This is one of the problems with this forum - it's main users are from/in the UK!
Glad you've (nearly) got your money back NotDanish!