Bank employees fall into the “black credit” trap, borrow against pawn shops
On March 27, news from the Office of the Public Security Bureau of Ha Tinh Province said that, related to the expanded investigation of the case “Scam to appropriate property” occurred in the area by Nguyen Thi Hang Ha ( SN 1995), residing in Nam Phuc Thang commune, Cam Xuyen district, this unit has just issued a decision to prosecute the case, prosecute the accused, and at the same time apply measures to prevent leaving the place of residence for another 3 subject to the crime of “Lending money at high interest in civil transactions” as prescribed in Article 201 of the Penal Code.
Subjects include: Mai Anh Tuan (SN 1980), residing in Bac Ha ward, Ha Tinh city – is an employee of a pawn shop in the area; Tran Van Binh (SN 1995), resides in Thanh An commune, Thanh Chuong district (Nghe An) and Luong Thuy H., (SN 1995), resides in Xuan An town, Nghi Xuan district, Ha Tinh province.
Before that, at the beginning of October 2021, Ha Tinh Police received criminal denunciations from 4 citizens in Nghe An and Ha Tinh, and also denounced Nguyen Thi Hang Ha, an expert from the individual customer group – The Customer Department of a bank located in Ha Tinh province has fraudulently appropriated assets.
The object that gave false information needed money to “return the bond” to the customer to get the target of work, thereby appropriating the amount of up to billions of dong. During the investigation, the Office of the Provincial Public Security Bureau of Investigation identified the fraudster as Nguyen Thi Hang Ha, so it took legal measures according to regulations and on October 12, 2021, the Criminal Investigation Agency conducted a criminal investigation. prosecute the case, prosecute the accused and temporarily arrest this subject to investigate the fraudulent act of appropriating property.
Subject Nguyen Thi Hang Ha (leftmost) and other subjects in the case.
At the investigation agency, this female banker confessed: From the beginning of 2020, Ha participated in playing virtual money and gambling online on websites. Due to the loss of many games, from about mid-2020, subjects began to borrow money to repay debts and continue to gamble. All loans had to be paid with high interest rates, completely insolvent themselves, so they had the intention of fraudulently appropriating assets by taking advantage of the name of a bank employee, giving false information about the loan. money to carry out procedures to “reverse the bond” for customers to appropriate property.
Specifically, around the beginning of July 2021, the subject who deceived Mr. Tran Van Binh in Thanh Chuong district (Nghe An) was that he had 2 loans from customers until the term of “returning the bond”, with the amount of 1.5 billion VND. copper. To create confidence that there is a “reverse bond” at the bank, Ha edited two old customer contracts on the computer to match the time and information about the loan amount and loan form.
True thought, Mr. Binh transferred money to Ha’s bank account twice with a total of 1.5 billion dong. With the same trick, Nguyen Thi Hang Ha scammed Ms. Nguyen Thi Hai, Ms. Nguyen Thi Quy and Nguyen Thi Thai, living in Ha Tinh city with the amount of 400 million VND, 860 million VND and 140 million respectively. copper. The total amount of money appropriated by the subject at the time of arrest that the investigation agency clarified was 2.9 billion VND. After appropriating the above money, Ha used it for debt repayment, gambling and personal expenses, could no longer pay it back and tried to run away.
After prosecuting and temporarily arresting Nguyen Thi Hang Ha, the Ha Tinh Police Investigation Agency expanded the investigation, and six other people came to report that they were Ha’s victims. In addition to determining that this subject had taken advantage of the bank’s credit officer, who devised fraudulent tricks to defraud 10 people, with a total amount of VND 4,494 billion, the Public Investment Police Agency said: The police of Ha Tinh province also determined that three defendants Mai Anh Tuan, Tran Van Binh and Luong Thuy H. repeatedly lent this defendant money at an interest rate 5 times or more higher than the highest interest rate specified in the Ministry of Finance. Civil law for economic benefit.
Accordingly, on July 30, 2020, Mai Anh Tuan lent Nguyen Thi Hang Ha VND 50 million with an interest rate of VND 4.5 million/month, equivalent to VND 3,000/million/day. On August 1, 2021, Ha paid Tuan’s interest of 54 million VND, Tuan earned an illegal profit of nearly 44 million VND.
From June 16, 2021 to July 22, 2021, Tran Van Binh lent money to Nguyen Thi Hang Ha many times with a total amount of 3.42 billion VND. With an interest rate from 5,600 VND to 34,737 VND/million/day, equivalent to 204.4 %/year to 1267.89 %/year, 5 times higher than the maximum regulated lending rate. The total interest Ha has paid to Binh is 155.8 million dong, and Binh’s illegal profit from the act of lending heavy interest is more than 149.1 million dong. From June 15, 2021 to August 3, 2021, Luong Thuy H. repeatedly lent Nguyen Thi Hang Ha with a total amount of 2.25 billion VND, with an interest rate of 4,000 VND/million/day. The total interest Ha has paid is 50.64 million dong, H. illegally obtained profit from the act of lending heavy interest is more than 43.7 million dong.
After prosecuting the case, prosecuted the accused against the three aforementioned subjects for the crime of “Lending money at high interest in civil transactions” according to the provisions of Article 201 of the Penal Code, the Ha Tinh Provincial Police Department. has taken measures to prevent leaving the place of residence. At the same time, continue to conduct extensive investigation for a number of other related subjects.
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