Stanley purchased a computer from Comp Electronics with a personal check. Later that day, Stanley saw a better deal on the computer so he orally stopped payment on the check with his bank. The bank, however, still paid Comp Electronics when the check was presented three days later.

Which of the following is correct?

a. The bank is liable to Stanley for failure to follow the oral stop payment order.

b. The bank is not liable to Stanley because the stop payment order was not in writing.

c. The bank is not liable to Stanley if Comp Electronics qualifies as a holder in due course.

d. Comp Electronics is liable to Stanley to return the amount of the check.