Helen, an interior decorator, arranged to sign a lucrative contract with a client in Sydney. On Friday she stopped at the ATM on the way to her travel agent. There was a special airfare on offer and she intended to withdraw $200. The machine 'ate up' her card and ignored her instructions to withdraw the cash. She tried to phone the bank, but could not get through. On Monday she went to the Bank and reported the incident. However, the branch manager refused to release her card, claiming to be concerned about some irregularities. She had to postpone her trip until a week later when her card was finally released. The special airfare was no longer available and she had to purchase the ticket at the regular price. Dissatisfied with the delay, the client in Sydney eventually decided not to go ahead with the contract. Her complaints to the Bank have gone unanswered.

Advise Helen as to her liability, if any, for the unauthorised transactions.