Jim
Not only a survivor, but a veritable Sherlock Holmes. Congratulations. You are a saint to give her until the third to repay you. My cold lawyer heart would make the bank recredit my account immediately if the father or daughter did not bring over cash tonight- hey it sounds cheaper than the bail bond they are facing if you bring charges.
Just be sure not to let the bank off the hook here as it would be better for you to have your account recredited right now and she can pay the bank. The bank is supposed to investigate and credit your account within 10 days of your notification of fraud. As I was Pming with DonB, it seems to me that you should get the full amount back considering the public relations aspect of "legally robbing" a cancer patient undergoing treatment if they do not. I refuse to have a debit card and only use credit cards.