An Asian businessman took advantage of the powers granted to him by his national sponsor in a restaurant he runs. He applied for a loan in the name of the restaurant from a local bank and obtained two million dirhams, using a bond from the bank's publications, in collusion with a bank sales executive, falsely signing and using the victim. In the loan procedure.

The Public Prosecution directed the fugitive defendants to commit the crime of forgery in an official editor and use it, and directed the first defendant to commit a misdemeanor of fraud to seize the money of others, and referred them to the Criminal Court, which sentenced them to 10 years imprisonment, deportation and refund of the loan amount.

The victim, an Emirati housewife, said that her husband discovered when he checked the accounts of a restaurant to ensure that the first defendant, a partner in the restaurant, received a loan of about two million dirhams, under a bond guarantee issued to her, and then surprised the bank filed a civil claim to claim the value of the loan. He was seized.

She said she did not know anything about all this and had no powers in the restaurant and that she gave her husband an agency to sign on her behalf in the transactions of the Department of Naturalization and Residence to bring workers, pointing out the possibility of opening a bank account in the name of the restaurant to facilitate the process of deposit and withdrawal, but confirmed that it is impossible to sign Bail bond because it requires many procedures, noting that the bank had to be sure of the person who signed the bond.

A legal advisor at the bank said in his testimony to the prosecution's investigations that he started to look into the incident when the victim filed a complaint against the bank at Al Rifa'a police station, pointing out that he concluded that there was no direct credit relationship with the complainant, but there was a relationship between the restaurant whose sponsorship was with the accused. I and the bank, accordingly banking facilities were granted to the restaurant.

He added that the first defendant got a loan of about two million dirhams in the name of the restaurant and defaulted on the repayment.Accordingly, the bank filed a civil lawsuit to demand repayment of one million and 968 thousand dirhams, and obtained a judgment obliging the defendants, including the sponsor, to pay the amount.

He pointed out that the complainant appealed against the verdict on the basis of falsification of the personal sponsorship document attributed to her, and found out through the study of the file that the procedures for granting the loan was in accordance with the procedures followed by the bank, and here he discovered the role of the second defendant, a sales executive in the bank, who took the task of interviewing the first accused to provide him The latter is required to verify the signatures according to approved forms of the bank.

He explained that one of the first duties of the fugitive employee is to verify the identity of the person who signs the bail bond, whether the signatory is the commissioner or his commissioner.

According to the Commercial Relations Manager at the Bank, his task is to audit the transactions carried out by the employees, including the accused employee, who offered him the transaction after it was carried out outside the bank, and for his part, audited and transferred to the credit department according to the established procedures. Based on the loan, the name on the sponsorship bond of the sponsor was noteworthy, but he did not notice a provision in the minutes of the meeting of the partners in the restaurant stating that the local sponsor, the victim's citizenship, does not assume any personal responsibility for any financial obligations and debts of any kind.