Man of the Match settlement

You probably would have been with most bookies. Unless they're saying that to avoid a payout it sounds like you've been unlucky (or learnt an expensive lesson; always check what you're betting on). Some bookies might have gone with their general rules that say Man of the Match betting will be based on the broadcaster's selection and not bothered varying it for the World Cup. ITV's is based on website votes, the same as FIFA's, so you're doubly unlucky if they've not gone for the same player.