Daughter uses mother's documents to defraud bank.

The Hanoi People's Procuracy has just completed the indictment against defendant Phung Dieu Huyen (born in 1979, residing in Hanoi) to be tried before the Hanoi People's Court for the crimes of Fraudulent appropriation of property andForging seals and documents of agencies and organizations.

Previously, in September 2021, the Investigation Police Department of Ha Dong District (formerly), Hanoi, received a complaint from Lien Viet Post Bank - Ha Dong Branch accusing Ms. Hoang Thi Tu N. (the mother of the defendant Phung Dieu Huyen) of forging loan documents and misappropriating money.

During the investigation, the police determined that the person who committed the illegal act was Mrs. N's daughter.

According to the allegations, Ms. Hoang Thi Tu N., a retired officer working at the Military Medical Department, General Department of Logistics - Ministry of National Defense, was allegedly borrowed by the defendant Phung Dieu Huyen between July 2018 and early 2019. The documents included pension and social insurance benefit payment slips; household registration book; bank account statements for receiving monthly pension payments; and other personal documents to have Ms. N.'s name used in loan applications at the bank for over 540 million VND.

After receiving the loan from the bank, the defendant used the money for personal purposes and continued to make monthly payments of principal and interest to the bank as agreed, and the loan has not yet been fully repaid.

In July 2019, needing money for personal expenses, Phung Dieu Huyen conceived the idea of ​​forging bank loan documents and then misappropriating the funds. The suspect hired someone online to forge three sets of loan documents under her mother's name for 45 million VND per set.

The forged documents that Huyen hired someone to create included: a decision regarding the entitlement to a monthly pension; a detailed account ledger; and a citizen identification card. All of these documents bore the name of Ms. Hoang Thi Tu N.

After obtaining the aforementioned forged documents, on July 31, 2019, Huyen lied, claiming she needed money for her business, and asked her mother to put her name on the bank loan application. The loan application was prepared by the defendant, and Ms. N. was taken to the bank by her daughter to sign the documents. Huyen would be responsible for repaying the loan.

Trusting her daughter, Ms. N. accompanied the suspect to Lien Viet Post Bank - Ha Dong branch to borrow money. This credit institution then disbursed a loan of 300 million VND into Huyen's account opened at LPBank.

Upon receiving the money, Huyen used 45 million VND to pay for the fraudulent loan application; and nearly 47 million VND to repay the principal and interest to the bank. The remaining more than 208 million VND was spent on personal expenses.

After the first successful attempt, in August 2019, using the same methods, Huyen borrowed and then embezzled 215 million VND from Lien Viet Post Bank - Dong Anh Branch. In October 2019, the suspect continued to use the same method to borrow and then embezzle over 273 million VND from Lien Viet Post Bank - Hoang Mai Transaction Office.

The indictment states that, in total, Phung Dieu Huyen used three sets of forged documents to embezzle 850 million VND from the bank. During the course of the case, the aforementioned branches and transaction offices of Lien Viet Post Bank requested the defendant to repay and compensate a total of more than 1.3 billion VND, including principal and accrued interest as stipulated.

The indictment alleges that the bank employees who reviewed Ms. Hoang Thi Tu N.'s loan application were unaware of and could not have known about the forged documents by Phung Dieu Huyen, and did not benefit from it, therefore the investigating agency did not mention prosecuting them.