Tom authorizes United Bank to make transfers from his account to make payments on his debt to Vic's Auto Dealership, which sold Tom the car that serves as collateral for the debt. After three payments, Vic's repossesses the car and refuses to return it. Tom phones the bank to stop the payments and follows up with a confirming letter. The bank fails to stop the next two payments, and Vic's refuses to refund anything. Can Tom get his money from the bank?

I would say that he should be able to recover the last two payments that the bank made because he revoked authorization for the bank to make them both verbally and in writing