Yeah, I agree that's a bit of a bugger. I used to work at a bank and I'm trying to remember if we open cash points for people who have used their credit cards or cards from abroad on our ATM. I think we only do if their card had been eaten by the machine - as long as they got all the required ID we will give it back to them, otherwise we cut it up . If they're disputing that money hasn't come out when they tried to withdraw - I think we just ask them to fill out a claim form and contact their banks as well 'cos we got no way of telling if they were telling the truth or not as we can't look into their accounts.. hence probably why in the Philippines they don't bother with all that hassle and just say report it to your bank.