Woman victim of £5,000 credit card fraud won’t have to pay back a penny


A HELENSBURGH woman who defrauded four credit card companies out of almost £5,000 will not have to pay back a penny, a court has heard.

Lynne Davis, of West King Street, took out four credit cards in her daughter’s name over a 14-month period between July 19, 2019 and September 18, 2020.

She was able to receive £4,948.48 in total from the companies – Aqua, Vanquish, the Very Group and Virgin – which she claimed she used to pay off her late husband’s debt.

However, the advertiser reported earlier this month how Davis had also defrauded his partner’s OAP mother out of over £16,000 in benefits and had three months to start repaying the money.

She made over 40 cash withdrawals, amounting to between £200 and £500 at a time, using the Ardrossan elderly woman’s bank card in the 12 month period from January to December 2020 .

Dumbarton Sheriff Court heard this week that Davis, 44, was left in a “difficult financial situation” following the death of her husband in 2016.

Defendant Kenneth McGowan told the court: ‘She tells me she finds it very difficult to talk about it.

“His relationship started in 2004. They got married in 2007.

“He was in the military and was diagnosed with PTSD in 2011.

“He struggled to find work when he left the military and it was a sad downward spiral where his mental health issues went unaddressed.

“He was physically abusive and he committed suicide in 2016.

“It was extremely traumatic and she realized that many of her husband’s struggles had been hidden from her.

“She started a new relationship, and it was that partner’s mother who was the complainant in the [Kilmarnock Sheriff Court] question. ”

Mr McGowan continued: ‘What she also discovered after he died was that he owed her debts.

“His life insurance policy didn’t pay out.

“The monies she defrauded in these breaches were applied to the outstanding loan to the house, which still stands at the sum of £13,000. She sold her car recently.

At the August 23 hearing, Sheriff John Hamilton placed Davis on a community reimbursement order with 12 months of social work supervision and ordered him to perform 150 hours of unpaid work as a punishment.

The Sheriff said: ‘The credit card companies are at a loss and that’s a consequence for them.

“Let’s finish this chapter.


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