[dizbuster]

A similar thing happened to me last October. I went to an ATM along the beach road, which was connected to one of those small money changing bureaus (Thai Farmers Bank I think it was). I put my card and PIN in to the machine, I got a receipt back saying I had taken 10,000baht but no money came out !! I immediately spoke to the cashiers inside the booth, who opened up the machine and I assume spotted a problem, as they closed it down. They told me not to worry and it would get sorted out. When I got back home, I checked my next statement (I kept the receipt) and sure enough the money had been debited, but there was a credit a few days later with the same reference. However, I did lose out albeit a small amount, as the exchange rate differential (i.e. buying vs selling rate) made the refund a few dollars smaller and I also never got the withdrawal fee refunded, again a small amount, around $10.