A MAN who committed fraud against his ex-girlfriend by obtaining a number of credit cards and loans in her name has been fined £4000.

Ross Wilson, pleaded guilty to have formed a fraudulent scheme to obtain goods, services and a sum of money by pretending to be his former partner to apply for and obtain a number of credit cards, loans and purchase goods and services with them.

The 34-year-old committed fraud between October 31, 2013 and May 8, 2014 at the women's property in Ayr, without her knowledge or permission. Wilson appeared before Sheriff Desmond Leslie at Ayr Sheriff Court recently.

The court heard from Depute Fiscal Cath Whyte that: "The complainer had been in a relationship with Mr Wilson which ended on October 29, 2013.

"She had found a number of cards and numbers that she had no knowledge of. Police were contacted. They found an application for a credit account. The number was the accused's mobile number. 

"A letter was addressed to the accused for the outstanding balance of over £2000. Fraud investigators found an application for a loan. The number again was the accused's phone number.

"The found another application for a loan with the number of the accused given. Fraud investigators at HSBS for credit cards with an outstanding balance of £497.48. 

"The police contacted the accused and interviewed him. He was asked more questions. He said he had done it and said he had made payments into a bet. He said he had used his mother's phone number.

"He said he was sorry but was in massive debt. This caused her [his former partner] a great deal of money. She started to stay with her mum. She tried to get help but was refused.

"She has never been refused. She had to get money from her parents just to get her car insured. She is humiliated about all this. She has never had any trouble."

Speaking on Wilson's behalf, defence solicitor Raymond Mcilwham said: "He started a three year job and is in his third year. He really accepts his part in what he has done.

"He accepts full responsibility for his actions. It comes at a difficult time in his life. He is anxious about being given the opportunity to make amends."

Sheriff Leslie ordered Wilson to pay £4000 compensation to his former partner at £200 per month from August 5, this year. 

He will also complete two years of CPO under supervision and has been placed on a restriction of liberty order from 9pm until 7am daily.