From: "Andy Pandy" 
Newsgroups: uk.legal uk.finance
Subject: Re: Cop-op Bank Ts&Cs
Date: Wed, 24 Oct 2007 17:06:03 +0100
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"Tim"  wrote in message
news:wtydna8i58e1boPanZ2dnUVZ8t2snZ2d@bt.com...
> >> 9.3 You authorise us to deduct from your account the amount of
any
> >> payment carried out by use of your card, with or without using
the
> >> PIN, or card details, whether or not you have given or authorised
> > such
> >> instructions.
> >>
> >>
> >> Is this an unfair T&C?
> >
> "Andy Pandy" wrote
> > Fairly standard, there's probably something later saying
> > it'll be refunded if fraudulent/unauthorised/mistaken.
>
> Eh?  If a later term says that it'll be refunded if unauthorised,
> then what's the point in the earlier term saying :-
> " **whether or not** you have given or **authorised**
> such instructions" ?

So they can deduct amounts from your account before having the proof
that you authorised it.

--
Andy