Can’t help with the other stuff but if when you say this
karlj39 topping my phone up for giffgaff To deduct money off my balance unexpectedly
You mean that you added credit “in order to buy a bag” then there’s a solution - don’t do it.
There is no need to add credit in order to buy a bag as bags can be bought directly using all the other payment methods.
And as credit it there primarily to pay for things not covered by a bag (including having one but running out of data or forgetting to renew) and you can’t ring-fence any of it to buy a bag then unexpected (to you) charges can occur.
If however you are charged for something when you shouldn’t have been then that is different and you can and should query it with an agent.
Anyway sorry you aren’t happy but as there are no contracts you are free to do what works best for you, even if that means leaving.
come and go as you please