Charging for withdrawals that failed

<p>Recently I was charged for two ATM withdrawals in Addis Ababa that didn't complete. A similar problem happened in Istanbul over a year ago where I was charged (fee and cash amount) even though it didn't work. Eventually ABSA refunded me the cash amount, but not the fee. It seems like Virgin Money's systems aren't secure enough to avoid people being charged for ATM withdrawls that fail. I'd like a refund and I'd like it to happen quicker than a few months. </p>