There are 2 possibilities depending on what the police elect to do.
If they decide to prosecute then your daughter will be encouraged to pay back the sum to Nat West. This is so the court can be advised that she has made full reparation , deeply regrets her actions etc. in the plea in mitigation given on her behalf in court so she receives a lighter sentence/ fine.
A fine is the likely outcome if she is prosecuted.
Irrespective of what the police do, Nat West will seek to recover the monies paid on the card protection so if it does not happen through police involvement they will pursue her for it.
I hope this assists. If there are any further points please reply I will be happy to respond.
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