> Should my bank really refuse if I have the money, and force them to take me to court to try to get their money just because I didn't authorise the charge? Ye

> Should my bank really refuse if I have the money, and force them to take me to court to try to get their money just because I didn't authorise the charge? Yes, absolutely. Are you seriously arguing that anyone should be able to claim money from your bank account without either prior authorization by the account holder or independent arbitration? Bypassing the courts in cases like this serves no one's interests except bad actors.