Went in my Co-op last night for chewing gum and cashback, card declined. No danger, went to an ATM as I only wanted some cash for the pub. Turns out this morning the Co-op has still taken the money, phoned Barclays, ten minutes and job done. They gave me my money back and 25 quid as a sorry, and my refund from the Co-op should only take a few days. Well done Barclays.