In my humble opinion only, I would doubt very much that any criminal prosecutions would arise from any of this. It is pretty obvious she is trying to blackmail you into allowing your ex access without the contact centre. (Personally from what you say about his mental health - I really wouldn't be badgered into doing this). If she took this matter to the police, they would first ask why she didnt report the "fraud" 4� yrs ago? And, assuming she or her son has been making payments against the card, her credit card company would also question the time passed since the "crime" was committed. I really dont think you have much to worry about - stick to your guns and don't be bullied into anything for the sake of your kids if no-one else