If the unauthorised payment was from an overdrawn current account or a credit card payment, your bank can only refuse a refund if: you only told your bank about the unauthorised payment 13 months (or more) after the date it left your account.it can prove you deliberately, or with 'gross negligence', failed to protect the details of your card, PIN or password in a way that allowed the payment.it can prove you authorised the payment.Your bank can only refuse to refund an unauthorised payment if:
