...20 years later?
Namechanged obv.
I was a teenager and I committed bank card fraud. Could never do anything like that now. The person has quite a unique name and I may have found them on 192.com. I would offer to pay back the money whether or not the bank refunded it.
That is another reason I am posting, to find out if it is likely that the person got the money back, because it was over £200.