Seriously there should be no problem getting that back from MC. They are usually pretty good about that stuff.
Sucks to hear that happen though.
I phoned them with a dispute once whereby the price I was charged was not the price authorized and the guy refused to refund the charge. I took the merchandise anyways and when I phoned MC they said if I took the merchandise there is nothing they can do (it was cigars at the airport in Cuba).
"I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered."
-Thomas Jefferson 1802