How do you get your money back if the product/app you bought didn't download?

I tried to buy an iBook yesterday. I had enough money on my card to buy it. When I clicked the buy book tab, it said that my card was declined. So I checked my balance and it took my money but the book isn't there. Either my money needs to be put back on my card or that book needs to appear in iBooks.

Does the book show in the Purchased tab in the ibookstore in the iBooks for downloading, and the amount that's come off your card is the book's price, it's not a temporary store holding charge (which should disappear within a few days or so) ?
If it doesn't show in Purchased then you could check to see if it shows in your Purchaes history so that you can use the 'report a problem' link from it : log into your account on your computer's iTunes via the Store > View Account menu option and you should then see a Purchase History section with a 'see all' link to the right of it ; click on that and you should see a list of your purchases ; find that song and use the 'Report a Problem' link and fill in details about the problem (iTunes support should reply within, I think, about 24 hours).
If doesn't show there or the 'report a problem' link doesn't work (it's been taking some people to this site on a browser instead of showing a form in iTunes) then you can try contacting iTunes support via this page : http://www.apple.com/support/itunes/contact/- click on Contact iTunes Store Support on the right-hand side of the page.
For the card being declined, if it's a debit card then I don't think that they are still accepted as a valid payment method - they are not listed on this page and there have been a number of posts recently about them being declined
If it's a credit card then is it registered to exactly the same name and address (including format and spacing etc) that you have on your iTunes account, it was issued by a bank in your country and you are currently in that country ? If it is then you could check with the card issuer to see if it's them that are declining it, and if not then try contacting iTunes support as above and see if they know why it's being declined.

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