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@aggi
There's a legal "chargeback" on credit cards (section 75). On debit cards (and credit cards with purchases under £100) the banks operate a chargeback scheme which is done between the banks and is for:
Company goes into administration – the company you purchased from has gone bust.
Quality of item – the goods were not as described or were defective.
Non-delivery – the goods were not received as promised.
Technical issue – expired authorisation or a processing error by the bank.
Clerical error – being charged multiple times or being billed for the incorrect amount.
Fraud – you have been the victim of fraud and did not authorise the purchase.
Template for claiming here https://www.which.co.uk/consumer-rights/letter/letter-to-make-a-chargeback-claim