I purchased a holiday from a Thomas cook shop 2 wks ago, er paying the full amount on my visa debit card. Over the easter wk end I decided to listen to all my outgoings for that wk via telephone banking...on listening I discovered that tc had taken 2 payments from my account..one on the 3rd April for holiday cost the next on 4 th April for a further £46.00. On speaking to a bank advisor and confirming I had not authorized the 2nd payment he advised me to cancel my card...being easter wk end I contacted the shop on the tues and explained my concerns only to be told by the agent that she realised that the holiday I had paid for didn't include transfers and she just went ahead and booked them without asking me if they were wanted, using my debit card details in which I hadn't authorized her to use..she was very unconcerned about her actions and just offered me a refund. I explained to her that she shouldnt have even had my card details to hand yet alone used it, I explained that I had no access to money etc and the disrupt she had caused and would be contacting head office, which I did..yesterday I received a letter from tc apologising and that was it...no money nothing...I phoned them earlier and asked why I hadn't had my refund and they said the shop was dealing with it.....what can I do...I think this is outrageous