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Unfortunately, even if you perform master reset on Garmin GPS unit, it does not reset Garmin Lock security feature, which password-protect most Garmin electronic devices to deter theft. If you forget the PIN or password unlock code to unlock the Garmin unit, the best solution is to bring it to Garmin to get unlocked. “Secure Location” does not unlock a locked Garmin unit either as it’s only a temporary fix as when it’s turn on outside the security location, the device is locked again."
So unfortunately, there is only one option: You have to send your nüvi into the Garmin, who can unlock it. Remember original receipt.
Owners can select a pin code to use which locks the unit preventing use by theives. Sat Nav theft is a big market. The unit needs to be sent to Garmin who will verify you are the registered owner and unlock it for you. If you bought at a market is there a good chance it may have been stolen?
The only options you have when it comes to a locked unit is to enter the correct PIN, go to the location where the PIN was set, or send the unit back to Garmin. There is no way to unlock a PIN locked unit without the correct PIN or location.