I am writing to formally lodge a complaint regarding an extremely distressing experience I have had with your company. My order was initially incorrect, and while I appreciated the refund issued to my bank account upon the return of the item, the subsequent unauthorized withdrawal from my account has caused significant issues for me. A few days after receiving the refund, I noticed that Foxy Looks had taken the refunded amount back from my account without any prior notification or my consent. This unauthorized transaction has caused my bank account to exceed its limit, resulting in numerous financial complications, including a negative impact on my credit score. This breach of trust and lack of transparency in your processes is wholly unacceptable. I wish to remind you that under the Consumer Credit Act 1974 and the Payment Services Regulations 2017, unauthorized transactions are illegal and consumers are protected against such activities. Additionally, the Data Protection Act 2018 mandates that any personal financial information be handled with the utmost care and with explicit consent from the account holder before any transactions are processed. Your company's actions have not only violated these laws but have also demonstrated a lack of basic customer service principles. The stress and inconvenience caused by this unauthorized transaction are significant, and I expect immediate rectification of this situation. I demand the following actions be taken: 1. Immediate reimbursement of the unauthorized amount taken from my account. 2. A detailed explanation and apology for this incident. 3. Assurance that no further unauthorized transactions will occur. 4. Compensation for any financial losses or damages incurred as a result of this unauthorized transaction. Failure to address this complaint promptly and adequately will leave me no choice but to escalate this matter to the Financial Ombudsman Service and other relevant regulatory authorities. I look forward to your swift response and resolution to this matter.