Problem: Patricia has credit card and an account at the National Bank of (Your Jurisdiction Limited). She has decided to close off her credit card account and has paid off all outstanding monies with effect from October 5, 2021. She had a Netflix account, which was paid using the same credit card, which she wishes to terminate. She cancelled her Netflix account on October 8, 2021. The payment for the Netflix account is usually taken on the 10th day of each month. At the end of November, 2021, Patricia notices that monies, equal to US$10 for October and US$10 for November, are being withdrawn from her bank account. When she enquired at the Bank, she was told that the deductions were for the Netflix charges to her account.
In terms of the banker-customer relationship, what advice would you give to Patricia, who wishes to sue the National Bank?