need to seek for help/advised here.

my friend's credit card had been stolen & they swap it till RM3000.
at 1st the bank just absord 20% of the amount, but i ask my friend to re-appeal it with the Consumer Protection for “unauthorized use” in Bank Negara’s Credit Card Guidelines under Clause 13.2.
Then the bank replied, now they absord 50% of it but we still need to paid 1.5k

so i dont know what can we do now?
As the amount also not a small amount. the bank said if we din't agreed they will take legal action & we need to paid the full amount + late charges & others charges as well, like forcing us to agree n paid for the RM1500.

Just want to know is it the ' Consumer Protection for “unauthorized use” in Bank Negara’s Credit Card Guidelines under Clause 13.2 ' can protect us? which we just need to paid MAX RM250 for any unauthorized transaction??
what are the procedure i need to do? advised please....

ally