Apparently if you purchase something on line which ever company you use their entitled to take money out when they want , fraud told me this also insinuated that my 16 yr old daughter has used my account one time and ordered computer software or something never even received what my daughter was accused of buying which ended up as fraud and denied a refund . Now it's happened again I'm fast asleep told them what my last transaction before we all went to sleep to wake with no money in my account but because it was my IP address I've spent the money .... 3 witnesses that night and I'm still fighting for it now before I close this account..... 30 yrs I've been with the Halifax and you get accused made out a liar it's vile to say the least Even contacted the culprit company to be ignored 3 times and blocked and Halifax still accusing me