I recently fell for an email scam where I provided my banking details. The scammer proceeded to use my account to pay out a sum of money from the bank. The bank now wants to hold me liable for this money as they say it is my account and my negligence led to the scammers using my account. However, I don’t have a credit facility with the bank and yet the bank paid out a large amount in credit on my behalf. Surely the bank should not have done that?