Irate with service received from Disputes @ Virgin

My Virgin Card a/c was debited with 3 debits with +-R2200.00 in Jan/Feb 2015 - contacted Virgin Money & requested they reverse this as I had not authorised any payments as I do not undertake internet transactions. On 13/04/15 transactions were reversed however Terms & Conditions of Sale were attached with no company name. On 12/5/15 received 2 vouchers which I had endless problems opening as they were password protected and my a/c was again debited with these amounts as VMSA said this was proof enough that I was liable for these transactions. The vouchers reflected all my information for R1085.37 &R1092.22 from a USA Company - don't even know what they called. Again emailed VMSA stating that these were ********** as I have NEVER purchased anything online - received email from VMSA dd 03/06/15 stating: We cannot assist any further as dispute cycle is complete - contact [URL Removed] for further assistance. I am now liable for this large amount despite me not undertaking any such transaction. I am at my wit's end and require help as I am unemployed and will not be liable for transactions that VMSA allow on my card a/c which I have conducted in an exemplary manner since incepti