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JenG
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I am pleased to say that ANZ phoned me this afternoon and are going to replace the money.

I now realise that there are some risks I have no control over and must take whatever actions I need to ensure this doesn’t happen again – though there are no guarantees.

It may even require a re-think in my pricing because if it happens again, it’s unlikely they will cover the loss. I did make my point about helping themselves from my account without so much as a letter. She said they don’t have the resources to let everyone know when money is taken from accounts…..

Thanks for all the input I received in this thread. What a great resource Flying Solo is!