The long and the short of it is this: My wife and I: Canadians living in Korea. The problem: My wife's Canadian credit card was double charged by Expedia (Expedia says American Airlines was responsible, but the fuckup occurred via an Expedia website error, which they've admitted to on tape) for an airline ticket last May. The credit card company has a 3 month period whereupon they could just annul the transfer, but we never bothered, as Expedia promised the funds would have been refunded within 3/4 billing cycles. So now Visa can't help. The bigger problem: after countless hours on the phone (a lot of it at my expense) and a lot of hooey from both ends, we have proof that no refund has been given, long after it's been promised to us by both companies (may 29th), but we can't sue in small claims court in Korea. I don't care who's at fault here, I just want my fucking money. Hiring a lawyer is cost-prohibitive and I've no idea where to start with this shit. Any company with balls would have owned up and just refunded the difference immediately.