Lucas said his partner had been convicted of theft over the matter and it was unfair that he, the victim, should have to bear the loss. He also thought it unfair the bank had referred the resulting debt to a collection agency.
We considered Lucas had chosen an insecure PIN. In an email to the bank, he had said the PIN was related to his nickname, which his former partner knew. He later denied that he had selected a PIN related to his nickname, but we were satisfied his comment to the bank was likely to be accurate. We also considered the bank had acted in accordance with the terms and conditions of the card by referring the debt to a collection agency.
Lucas did not respond to our preliminary view, and we closed the file.Print this page