Common use of Unauthorised transactions Clause in Contracts

Unauthorised transactions. 29.1 You must read your statements carefully on receipt and review your online account regularly. 29.2 To help us prevent fraud, you must tell us immediately by calling us if you do not recognise any transaction shown on your statement or if you think any payment you have authorised has been executed incorrectly. If you do not tell us promptly (at the latest within thirteen (13) months of the date the transaction was deducted from your account), you may not be entitled to any errors corrected. 29.3 On receipt of a claim for refund, we may investigate before giving you a refund. Any investigation will be carried out as quickly as possible under the circumstances and unless we can show that the transaction was authorised by you, we will immediately refund the amount deducted and return your account to the position it would have been in if the unauthorised payment had not taken place. We may request additional information from you, if we have reasonable grounds for checking the circumstances of the payment. 29.4 If you query a payment more than eight (8) weeks after the debit date or a payment made outside the EEA (European Economic Area), we are not obliged by law to make a refund, but we will advise you if we can help or suggest other steps you could take. 29.5 If we later become aware of evidence that shows we are not responsible for the transaction, we will recover an amount equal to the refund from your account. 29.6 You will be responsible for all losses if information is received to suggest that you have: a) acted fraudulently, b) given a third party authorisation, c) you intentionally or with gross negligence failed to notify.

Unauthorised transactions. 29.1 19.1 You must read your statements carefully on receipt and review your online account regularly. 29.2 19.2 To help us prevent fraud, you must tell us immediately by calling us if you do not recognise any transaction shown on your statement or if you think any payment you have authorised has been executed incorrectly. If you do not tell us promptly (at the latest within thirteen (13) months of the date the transaction was deducted from your account), you may not be entitled to any errors corrected. 29.3 19.3 On receipt of a claim for refund, we may investigate before giving you a refund. Any investigation will be carried out as quickly as possible under the circumstances and unless we can show that the transaction was authorised by you, we will immediately refund the amount deducted and return your account to the position it would have been in if the unauthorised payment had not taken place. We may request additional information from you, if we have reasonable grounds for checking the circumstances of the payment. 29.4 19.4 If you query a payment more than eight (8) weeks after the debit date or a payment made outside the EEA (European Economic Area), we are not obliged by law to make a refund, but we will advise you if we can help or suggest other steps you could take. 29.5 19.5 If we later become aware of evidence that shows we are not responsible for the transaction, we will recover an amount equal to the refund from your account. 29.6 19.6 You will be responsible for all losses if information is received to suggest that you have: a) acted fraudulently, b) given a third party authorisation, c) deemed to have been grossly negligent with your Card or PIN, or d) you intentionally or with gross negligence failed to notify.