All the tricks of bank officials to embezzle more than 5 billion VND from people

At the end of June 2019, Yen Thanh District Police received a complaint from 03 citizens residing in Vinh City, Yen Thanh Town with the following content:

During the period from August 2018 to April 2019, through the bank deed transfer activity, Ms. Pham Thi Thuy (born in 1982), an employee of the Bank for Agriculture and Rural Development (Agribank) in Yen Thanh district, together with Bui Thi Oanh (born in 1988), residing in Hop Thanh commune, Yen Thanh, defrauded Mr. PTT in Yen Thanh town of 1.8 billion VND, Mr. NCH in Yen Thanh town of more than 2 billion VND, and Mr. NPL in Vinh city of more than 1.3 billion VND.

Subject Pham Thi Thuy. Photo: Duc Vu

After receiving the information, Yen Thanh District Police verified and determined that there were signs of crime.

Considering the complexity of the case, the unit has established a special project and coordinated with the Criminal Police Department (PC02) of Nghe An Provincial Police to investigate and clarify.

Accordingly, from July 2017 to early 2018, Bui Thi Oanh borrowed money from many people who were unable to pay, so her life was difficult and miserable. Seeing that, Oanh's family stood up to mortgage the red book for Oanh to borrow money from Agribank Yen Thanh District.

Pham Thi Thuy, at that time, was an officer at Agribank Yen Thanh Bank and prepared documents to lend Oanh money. Thuy and Oanh have known each other since then. Many times when meeting, Thuy asked Oanh to find people who needed to lend money to pay off debts when due (reverse deed), then Thuy would instruct Oanh to provide information about customers with loans due and need to reverse deed (in reality, there was no reverse deed) in order to appropriate money from those who lent money.

Money transfer receipt that the victim transferred to Pham Thi Thuy. Photo: Duc Vu

Oanh herself was having financial difficulties at that time, seeing an opportunity to make money, she agreed to Thuy's offer and followed all of Thuy's instructions.

During the period from June 2018, taking advantage of her job as a credit officer at Agribank Yen Thanh and to gain trust from customers, Pham Thi Thuy provided information about bank maturity records (in fact, fake records). Thuy directed Oanh to find individuals to lend money to reverse the bank contract.

To create trust, when someone wanted to borrow money to change the deed, the subjects discussed and arranged for that person to meet Thuy at the office. When they learned that Thuy was a bank officer, they gave the money directly to Thuy. After each successful money transfer, Oanh received a "commission" of several tens of millions of dong from Thuy.

An investigator from Yen Thanh District Police said: During the process of defrauding victims to appropriate money, in the beginning (from 3 to 5 days), Thuy and Oanh paid the full interest and principal to the victims to gain their trust. When they believed that there was a bank officer who confirmed that the bank maturity information was correct, the victims easily transferred money into Pham Thi Thuy's account. To conceal her crime, Pham Thi Thuy used many types of bank cards for the victims to transfer money.

Subject Bui Thi Oanh. Photo: Duc Vu

During the investigation, Yen Thanh District Police determined that Mr. NPL in Vinh City had 1.350 billion VND appropriated by Bui Thi Oanh and Pham Thi Thuy during June 2018; Mr. NCH, residing in Yen Thanh town, had 2.025 billion VND appropriated during the period from July 2018 to September 2018; and Mr. PTT, residing in Yen Thanh town, had 1.8 billion VND appropriated during the period from August 2018 to March 2019. The victims transferred money 21 times to Thuy and Oanh with a total amount of more than 5 billion VND.

Lieutenant Colonel Bui Van Ngoc - Deputy Head of Yen Thanh District Police said: During the investigation, the District Police Department encountered many difficulties. The incident occurred for a relatively long time; the victims provided a lot of inaccurate information; the subjects took advantage of the victims' greed for high interest rates when lending to banks, so it was difficult to verify the information; on the other hand, before being arrested, the two subjects had many tricks to deal with the Police Department.

Currently, the Investigation Police Agency of Yen Thanh District Police has initiated a case, prosecuted the accused, and issued a detention order for 02 accused Bui Thi Oanh and Pham Thi Thuy for fraud and property appropriation.

Currently, the project is continuing to investigate and expand.