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Harassment is when behaviour causes distress or alarm and must have happened on more than one occasion. It cannot be brought on just the basis that you have had an argument with someone. Using the F word will not amount to harassment.
At present it is just an allegation? Therefore for a case to be brought she will need to evidence that this abuse has happened on numerous occasions. If she were to do this, then you will have the opportunity to defend yourself and put forward your allegations and evidence. If it gets that far, you will need to instruct a solicitor to assist you.
If you do wish to claim your money back, the best thing to do is to issue a claim against this person in the small claims court, you can do this yourself without the need for a lawyer by visiting the money claims online website. The link is here https://www.moneyclaim.gov.uk/web/mcol/welcome
I hope I have assisted you today. Please leave a rating by clicking the stars above, kind regards, John.