I ve Discovered £250 was taken out of my Acount

[Deleted User]

moonwolf128 said:

I have cancelled my card but more worried about the people asking for payments that I dont have

 Contact yoox customer services. Query the order tell them you didn't make it but they took money from your account. 

 See if they'll tell you where it was delivered. 

Report to action fraud. 

moonwolf128

I rung and didnt much information  as it's a international company and woman on the phone could not help me

BrownTrout

Your bank should refund.. ..

moonwolf128

No I got nothing from there the only thing thing I tried to order from was the company mentioned 

Armorica

Let the bank investigate on Monday. How exactly was it taken - Direct Debit or a Debit Card payment? (The protection available varies; it also matters whether you remain in credit or were taken into overdraft.)

Also call the bank for an update - you either need an immediate refund or ask if they can give you a temporary interest free overdraft.
While banks will say it's a dispute with the company - if you're super confident you did not spend the 250, then you can say it was an unauthorised payment and that you'd like an immediate refund. This is covered under section 76 of the Payment Services Regulations:
 - If a payment is unauthorised, you're entitled to an immediate refund, and your bank must restore your account as if they payment had not happened (i.e. cancel any overdraft fees). 
- The bank does have the right to investigate just in case it's a fraudulent claim on your behalf
- Immediate means as soon as practical, and at the latest by the end of the next working day. So if you speak to them again on Monday, then then would be by the end of Tuesday. 
There is very detailed guidance on pages 121 - 124 of https://www.fca.org.uk/publication/finalised-guidance/fca-approach-payment-services-electronic-money-2017.pdf 

Slightly simpler guidance in the same area is:
https://www.fca.org.uk/consumers/unauthorised-payments-account
https://www.citizensadvice.org.uk/debt-and-money/banking/your-payment-card-was-used-without-your-permission-distance-sales/
https://www.which.co.uk/consumer-rights/advice/how-to-complain-about-unauthorised-transactions-on-your-card

For a temporary overdraft explain it is so you can continue to pay your direct debits until the payment taken in error is refunded, explaining that you're a vulnerable customer and won't otherwise have the funds available to pay the direct debits. 

jimjames

moonwolf128 said:

https://www.rheinlands.uk/ I thought was for these at first as I tried to buy shoes

University shoes? Maybe make a list of everything you have spent or signed up to over the last month or two and that may help jog your memory of a company that could have taken the money from an existing purchase.

comment_as...

I think maybe you just have to put it more firmly to the bank that this was a fraudulent transaction. I had something similar with Halifax and was refunded straight away. I'm guessing you left the bank with the impression that you're not sure whether you spent the money and you're trying to remember what you might have bought. It sounds like that's how it's coming across on here to a lot of people

[Deleted User]

Make a formal complaint to your bank - which bank is it and someone could help point you in the right direction.

Mnoee

moonwolf128 said:

https://www.rheinlands.uk/ I thought was for these at first as I tried to buy shoes

Just as an aside, that site looks dodgy as hell. No physical address or phone number, various different email addresses are your only option, none of the normal shipping information, plus awful trustpilot reviews confirming its overpriced tat from China (https://uk.trustpilot.com/review/rheinlands.uk)

You should be a lot more careful shopping online, if its not a shop you know do a bit of research.