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That's confusing!
Too bad it impacts you so badly.
I don't know about your bank system there, over here if I detected unvalid charges on my account then I could go to the bank within two weeks and draw that money back.
I would certainly do this.
If anyone tried to cheat me he would then have to know my home adress to send some written request to get the cash.
If he can't give me a valid reason why I should pay this I will write a letter back claiming they had no merit to demand money and to stop the demands, otherwise the case goes to the lawyer.
This cuts it already.
If not it's a court call, but most of those suckers know that they wouldn't win one (here at least) and avoid them like the plague.
No, I do not have a lawyer in service, but do they know? The smell of one already repels them and noticing that I will fight back.
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