Ex-direct sales agent admits fraud over credit card applications
2012-11-13
A former direct sales agent, charged by the ICAC, admitted at the District Court today (Tuesday) that he had used the personal data of customers of various banks to apply for credit cards and make personal gains totalling over $172,000.
Chan Tin-lok, 31, formerly employed by Iterative Consultancy Service (HK) Limited (ICS), pleaded guilty to 19 charges –'96 five of fraud, six of attempting to commit fraud, three of obtaining property by deception, three of obtaining services by deception, one of using an identity card relating to another and one of failing to surrender to custody.
Judge Sham Siu-man adjourned the case until Thursday (November 15) for mitigation and sentence. The defendant was remanded in the custody of the Correctional Services Department.
The case arose from a corruption complaint. Subsequent ICAC enquiries revealed the above offences.
The court heard that at the material times, the defendant was employed by ICS as a direct sales agent to promote credit cards for various banks in Hong Kong.
As a direct sales agent, the defendant filled in the credit card application forms for applicants and photocopied their identity cards, address proofs and income proofs to support the applications.
The court heard that in November 2005, the defendant used the personal particulars of a credit card applicant of AIG Finance (HK) Limited (AIG) to make a fraudulent loan application for $10,000 with AIG. Believing that the application was genuine, AIG re leased the loan to the defendant.
Between April and December 2009, the defendant fraudulently used the personal particulars of four credit card applicants of Hang Seng Bank Limited and DBS Bank (Hong Kong) Limited (DBS) to apply for credit cards with other banks including MEVAS Bank Limit ed, DBS and Wing Lung Bank Limited.
Using the credit cards issued to him, the defendant purchased two mobile phones as well as a notebook computer, and obtained free gifts. The purchases amounted to over $13,300, the court heard.
The defendant also used the personal particulars of some of the credit card applicants to subscribe for mobile phone services.
When interviewed under caution by ICAC officers, the defendant admitted that he had used similar fraudulent means to make personal gains totalling over $172,000.
In May 2011, the defendant failed to appear at the District Court for trial. After the judge issued a warrant for his arrest, the defendant was apprehended in September this year, the court was told.
The banks concerned and ICS had rendered full assistance to the ICAC during the investigation.
The prosecution was today represented by Senior Assistant Director of Public Prosecutions Eddie Sean, assisted by ICAC officer Jacky Ng.
Chan Tin-lok, 31, formerly employed by Iterative Consultancy Service (HK) Limited (ICS), pleaded guilty to 19 charges –'96 five of fraud, six of attempting to commit fraud, three of obtaining property by deception, three of obtaining services by deception, one of using an identity card relating to another and one of failing to surrender to custody.
Judge Sham Siu-man adjourned the case until Thursday (November 15) for mitigation and sentence. The defendant was remanded in the custody of the Correctional Services Department.
The case arose from a corruption complaint. Subsequent ICAC enquiries revealed the above offences.
The court heard that at the material times, the defendant was employed by ICS as a direct sales agent to promote credit cards for various banks in Hong Kong.
As a direct sales agent, the defendant filled in the credit card application forms for applicants and photocopied their identity cards, address proofs and income proofs to support the applications.
The court heard that in November 2005, the defendant used the personal particulars of a credit card applicant of AIG Finance (HK) Limited (AIG) to make a fraudulent loan application for $10,000 with AIG. Believing that the application was genuine, AIG re leased the loan to the defendant.
Between April and December 2009, the defendant fraudulently used the personal particulars of four credit card applicants of Hang Seng Bank Limited and DBS Bank (Hong Kong) Limited (DBS) to apply for credit cards with other banks including MEVAS Bank Limit ed, DBS and Wing Lung Bank Limited.
Using the credit cards issued to him, the defendant purchased two mobile phones as well as a notebook computer, and obtained free gifts. The purchases amounted to over $13,300, the court heard.
The defendant also used the personal particulars of some of the credit card applicants to subscribe for mobile phone services.
When interviewed under caution by ICAC officers, the defendant admitted that he had used similar fraudulent means to make personal gains totalling over $172,000.
In May 2011, the defendant failed to appear at the District Court for trial. After the judge issued a warrant for his arrest, the defendant was apprehended in September this year, the court was told.
The banks concerned and ICS had rendered full assistance to the ICAC during the investigation.
The prosecution was today represented by Senior Assistant Director of Public Prosecutions Eddie Sean, assisted by ICAC officer Jacky Ng.