I loaded £2000 onto my card for Australian dollars. Six weeks before my trip, I suffered a back injury that requires surgery. I paid extra for a buy back guarantee, but found it only applies when I use the funds. Now, to convert my money back, the service will deduct over £80. There should be consideration for exceptional circumstances. It's unacceptable, and I will not use this service again, as the buy back guarantee feels meaningless.
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