I’ve been charged 44.99 by apple and I’ve no idea what for ?

This is primarily a user-to-user support forum; other Apple users like you. We don't have access to information about charges to your account. See each of the steps in the following instructions. They include information on contacting Apple Support if the other steps don't help: If you see 'apple.com/bill' on your billing statement - Apple Support

If the only indication of the charges is from an email or text, be aware that it may be a phishing attempt to get you to log in to a site that appears to be Apple and divulge your password or credit card information. See: Recognize and avoid phishing messages, phony support calls, and other scams - Apple Support

and Identify legitimate emails from the App Store or iTunes Store - Apple Support