So I've been on hold with the nice people at visa for about half an hour now.
Why? Do you ask?
Because Zoom airlines had to go BANKRUPT right before I leave for England and now I have to get a refund for my $737 ticket, but I can only do that through the dispute manager (who I should write about more often because she just picked up. Hi Cathy)

So apparently it will take 45-55 days for my possible refund to go through...
Zoom actually hasn't declared bankruptcy yet, so I have to wait until the 10th, at which time they will start paperwork for my ticket as "Services not rendered" and seek recourse that way.

In the meantime, I'm out $737, but still have to go to England. Good grief I hope I get a job right away! Otherwise I'm pretty much screwed for cash flow...sad day.