[mentalis]

I had a problem with Cahoot when a sizeable payment went out of my account (via debit card probably) which I didn't do.

Contacted them, they agreed it looked dodgy (it was an Internet/phone order) and they agreed to put the money back into my account.

I had to sign a document to say it I thought it was fraudulent. It took a little longer than if it had been credit card fraud, but there were no problems and they paid the money back + interest I should have accrued.

Banks do seem to be getting better at this.