“I was asked to think very carefully about whether my PIN was in my wallet, with the implication that if I ‘confessed’ I might be liable for £50, otherwise I could be liable for the whole amount,” Mr Last said. “I perceived that as a threat. I take card security seriously and have never revealed my Tesco Mastercard PIN to anyone. I have never had to refer to anything when using the card – I have always entered my PIN from memory.”