However, if it's debit you lose cash and it can take up to several weeks for it to be refunded. I know this is true in theory, but is it true in practice? I've

However, if it's debit you lose cash and it can take up to several weeks for it to be refunded. I know this is true in theory, but is it true in practice? I've had two debit cards used for fraudulent transactions (one a Visa debit issued by a local bank, the other a MasterCard debit issued by PayPal) and in both cases the money was returned within hours of my reporting the missing cash.