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That is what happened to Neil Gallagher, who last month found three unauthorised transactions relating to Uber on his credit card statement.
The Victorian Liberal party says its accounts show a number of unauthorised transactions associated with Mantach took place between 2010 and 2014 and the matter has now been referred to police.
Keep a close eye on your accounts for unauthorised transactions, even for very small amounts – these are often used as "test transactions" before a larger fraud is made and make sure you use the free credit monitoring being offered by TalkTalk in this instance.
This provides the basis of refund rights for unauthorised transactions".
"Once fraudulent transactions were detected on a given account, customers were immediately contacted by Stubhub's trust and safety team, who refunded any unauthorised transactions".
The regulator the Financial Conduct Authority requires banks to refund unauthorised transactions by the end of the business day following the day it becomes aware of a problem.
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However, at the point the principal decides whether to ratify, the principal knows facts not known to agent and third party at the time of the agent's unauthorised transaction, in particular subsequent developments in the market.
So someone who did manage a month's £300 unauthorised overdraft via debit card transactions would only pay £5.40 in interest (1.8% per month) plus a one-off penalty fee of £15.
Halifax charges 28.8% on unauthorised overdrafts, plus £30 for both transactions and bounced payments, up to a maximum of three a day.
Resignation has followed resignation in recent months: Brendan Neiland, who was in charge of the Royal Academy Schools, stood down after it was discovered that he had opened an unauthorised bank account with £80,000 of transactions having been made.
Measures will protect against threats such as hacking, cybercrime, which includes identity theft and transaction fraud; cryptojacking, the unauthorised use of someone's computer to mine for cryptocurrency; hacktivism, hacking to promote a political agenda; and cyberespionage.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com