Double debit without my permission!

<p>I received a call from virgin active and I confirmed that I will be making payment. To my surprise on Sunday 15 May 2016 my account was debited and I hardly use that account so I had not made arrangements for funds to be available given our conversation over the phone! Now my account has been debited and the bank is now charging me for the returned debit order which I did not give virgin active permission or agree to random debits going off my account. What was the point of virgin active calling to ask if they went ahead and did what they wanted with my account. This is an invasion of my account without my permission! Its not what we agreed. Now who is going to pay those bank charges? </p>