False claims and fabricated income
The defendant applied for a debt-purchase arrangement, presenting a “To Whom It May Concern” certificate claiming a monthly salary exceeding Dh50,000 and an annual housing lease approval of Dh190,000.
Investigators found he had also falsified the debt-purchase request itself, claiming a monthly income of over Dh56,000—far above his actual earnings.
Bank misled by convincing forgeries
The bank, believing the documents were legitimate, settled the debts following standard procedures. It later discovered that the information was fabricated and had directly influenced its decision.
Court evidence and ruling
The defendant denied the charges, claiming the documents were genuine. Prosecutors presented evidence, including testimony from bank employees and official correspondence confirming the documents were fake. Messaging records and statements by the defendant during the investigation were also cited.