FNB *****

I took out a credit card one year ago after I was a customer at FNB for 10 years, I used the card for emergencies and always paid the money back, since it was only for emergencies the card was hardly used, my boyfriend and I split up and a month ago I realized the card was gone, I can not say when or where it has been ******/lost. I am a student so I naturally freaked and called FNB lost and ****** card, I told them everything and they reported it to credit card *****, I found out my ex boyfriend moved to Cape Town and therefore it was impossible that he used the card, I went to the police and reported everything and got a case number, FNB phoned me last week telling me that they expect me to pay bank the whole R10 000. I can not afford it and is really disappointed in bank. Today I received another call telling me if I do not par R500 the will take me to court. I do not want to do any future business with FNB :(