Scam email

[MorseLady]

I think I am the victim of a scam but now I am worried. The email in my Hotmail junk box said it was a receipt for a sum I had paid in dollars (but I am in the UK)to eBay which was taken from my Bank Account but I do not have PayPal or eBay Accounts. I checked the return address and it is the same when I click reply so I am further puzzled that someone has been using my name to buy things. There is a link in the email to click if I dispute the payment but I know better than to click this and I have saved the email in one of my folders.

I have been getting a lot of those Nigerian Lottery scams and scams in my Hotmail now outnumber porn and viagra offer emails. It only happens in webmail and I get no scam or spam in my ISP mail.

I am very worried, I know I should know better having done MCP courses but can they get at my Bank Account even if I don't reply because I did make a one off payment to PayPal a few weeks ago on behalf of Library of Life for my late husband's tribute website which I have since abandoned (too painful to keep website for lost loved one). Should I inform my credit card issuer?