I do think that A Small Orange should have informed him in detail as to why his payment was "denied" and why they refused to offer him services. Something a bit more then "We dont not host spammers". Maybe he could have clarified this issue? Not good. As far as the bank account, that's on your part. Atleast they did the right thing by refunding the money. Look at how much people get robbed daily through garbage "webhosting providers".