<human>: Can you summarize the given text in a few sentences?

Let me just throw a few facts out there. I live in England, and have (had) a Google Checkout account. I logged into my online banking account with Nationwide, to see that a charge of £78.85 had been made to an American company with a conversion fee. It was labelled as GOOGLE *JCT Gaming. My Google account was hacked and the password changed. I tried to recover it, but unless you know exact information, it's fruitless. They turned me down 3 times.

Immediately I knew something wasn't right, so I rung Nationwide and let them know a fraudulent payment had taken place. They were very quick to cancel my old card and send me a new one with a different card number which I appreciated. About 3 weeks later, I received a letter saying that the investigation was still taking place, and in the mean time I would be given the $129.98 (£78.85 to me) back in good faith. I pretty much assumed that would be the end of it.

A further 2 weeks later, I received another letter. It stated that they believed the transaction was a genuine one, and that I would have to repay the money I was given within 7 days. I wasn't happy with this AT ALL, so I rung the number on the letter. Nothing. It just kept going and going. I figured it must have been out of work hours. So I rung every day for a week with no answer. I then moved on to writing a letter, which I never got a reply to. It got to the point where I rung a totally different department to get information. I managed to get a different number for the area I was supposed to be ringing originally. 

The woman there told me that there was nothing I could do. Visa had ruled that the transaction was genuine and that was the end of it. There was nothing more I could do. 

Here is an image of the invoice they sent me as evidence: 

So my question is, can I not sort this out on my own? Or was the bank the only way of doing it?
<bot>: Someone from America bought an XBOX on my English debit card, and the bank told me it was a valid transaction by me. I had to pay for the XBOX.