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Haha, I am Chris, in qualification. I haven't practiced for quite a few years now (the joys of ill health and disability), I still work but now part time in a much less demanding job which is far more suitable with better hours, adjustments etc...
Criminal wasn't my area, never practised it and it's many years since I've studied it so quite possibly out of date. I had a run through of the offences as I remember them (though possibly out of date from my studies) but it just seems to be worrying that there might be some kind of loophole which means that this does not constitute an offence unless assault (or similar) can be proven sufficiently for a proper charge and conviction to be made.
Possibly with the money being technically taken from one party (the individual) but it actually being the bank who is then deprived of the money, albeit only because they chose to refund it so, in a sense, did they make themselves out of pocket and suffer the loss. The individual is then not suffering a loss.
It is the robbery part that is missing Sandy, as it doesn't not fit the criteria of the offence.