I'm embarrassed to ask but I just noticed that there is an authorized transfer of $300 each month from my bank account to a stranger's bank account with the same bank in Ontario. I noticed it in Nov 2012 and immediatelty questioned my Canadian bank. The bank said it was authorized back in 2007 but they cannot find my authorization paperwork(because I did not authorize a transfer of $300 monthly to a stranger's bank account-it's fraud). I just thought it was an ATM withdrawal. Basically, someone stole $300 monthly from my account since 2007? Is it too late to get my money back? Is the bank liable or will it be my fault for not noticing?