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Originally Posted by Flobajob
By the term "unauthorised" do the banks not infer that it's "previously unauthorised", obviously it's authorised as you say when they allow payments to be processed that take your account into an overdraught. I always took it to read that "you've borrowed money without our prior consent, now we're going to hit you with a charge for it"
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That's the point. Once
they debit your account by the amount
they are authorizing it, not you. Their defence would be rational if they were to phone you prior to authorizing the debit to advise you of the charges and ask if you are happy to pay them in the event that any action on
their part makes you overdrawn and liable for
their charges.
It's not rocket science in this day and age to expect a computer to be able to determine whether there are sufficient funds in an account at any given time.