I don't see that anyone has the right to charge you like that. Wouldn't they have been alerted? Big deal about the SMS after the fact - that's just poor!
Check out your contract for any leeway, and about the TIO, state what happened and what you expect to get as an outcome. Have a clear outcome in mind and stick to it. I think you'll get a fair way with the TIO. I had to once, but for much less money, and it was exactly what I was after, a full refund.
Best wishes.