Luckily got it back! and luckier that no one used it!
I had little sleep last night and still managed to sleep in so ran to uni, got there 30 minutes late so couldnt go to lecture(they lock doors on purpose) so I knew my loan was due today or tommorow so checked cash machine, then rushed for bus as had to meet landlord at 11am(though he didnt turn up till 12!) then went downtown for a job interview and then went for lunch at a cafe.
Went to get cash out and realised card was gone, and panicked a bit.
I went to the bank and they said it hadnt been used today, so I went home and phoned uni and they said it has been handed in as I left it in machine! Pure lucky.