i was talking about you need permision to enter my account  for instance my gas company take money out of my account  foxtell and so and my elec company but they take out too much ,but thats another story   but in australia that law changes for banks   as i said if a customer from a bank saqys this $50 card  bill for paint they say they did not purchase  then that bank will take out from my account without my knowlage he $50 straight away     all banks in this country have a agreement.

any way when are you making muffins again let me know 

That's what I meant about permissions, though. You've granted Foxtel etc permissions to debit money from the account, and in actual fact if you use a credit card processor to accept a payment, then you also grant them certain permissions under certain circumstances, so they are not accessing the money without permission. 

It's legal to give permission to third parties to do certain things they wouldn't normally be allowed to do, so the question up for debate is whether it's legal for certain permissions (or policies) to be obligatory. 

all i can say is do you make banana muffins   lol  have a nice day

only if she can cook lol