... which I presume your bank refunded immediately?

No my bank has not refunded me yet as their are still looking into it. But now that you have mentioned it, i will go into my bank tomorrow and request that their refund me my payment.

Thank you for you reply.

Good luck. I am taking them to my solictors soon. As i paid my Talk Talk bill by standing order as i usual do and the 5th payment their bank can not even find it. In the mean time my bank is looking into it and chasing it up with their bank, but its been 3 weeks now and no reply from their bank and overall 2 months since i paid. I have told carphone warehouse that i am not paying another bill yet until the payment for November has been found by their bank. When you do phone customer services you are talking to someone in South Africa not local. Their call packet might be cheaper than BT, but the problems you get from them i just wonder is it really worth swapping to a cheaper phone company just to save a few pennys and end up with head aches.