DEBIT ORDER PROCESSED
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Subject: DEBIT ORDER PROCESSED
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Date: Thu, 04 Oct 2012 07:39:57 +0300
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A debit order for life insurance from Liberty Life was placed on your account this morning and we have been instructed to deduct R1870 from your account today
If you don't want to authorize this debit order, please click here to Login and follow subsequent steps carefully.
But apart from the lousy formatting and appearance of this e-mail, the content is pretty ridiculous as well. The bank can't send you an e-mail to "un-authorize" a debit order, it simply doesn't work that way.
A debit order is normally a written agreement (sometimes verbal) between you and a 3rd party where you give the bank instruction to pay the 3rd party a certain amount on a monthly basis. In other words, the authorization is always given upfront and not on the day when the bank processes that debit order.
A debit order ALWAYS work on an opt-in basis and not opt-out.
But the simple rule of thumb always applies to e-mails like this, whether you know how a debit order works or not, the bank will NEVER send you an e-mail for some form of authorization or verification purpose.
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