I'm not sure - a debit card takes money out of your account straight away, so doesn't have the usual legal protections of a credit card. Sometimes the transaction doesn't come up until the next day so if you get there early and speak to someone there they might be able to help you. I don't think what they are doing is illegal, they are charging you for a shoot basically. But it is unethical to promise you work that you probably wont get. It seems like they also suck you in further with more payments for prints etc. I'm happy to advise you further if the bank can't stop your payment. If you can't get the money back, and depending on the circumstances, you could just see it as a regular photo shoot you are paying for, but a) don't sign anything and b) don't hand over any more money. How much did you pay and what are they promising, if you don't mind saying?