K, and Ms. H became acquainted around October 2022. After several meetings and conversations, I gradually developed trust in Ms. H and became friends. Ms. H subsequently shared that she was working at ABC Bank and needed to raise funds to meet a sales target.
Trusting Ms. H, around November 2022, when she asked me to help her “achieve her sales target” by lending her 200,000,000 VND, I agreed and transferred the money as requested. After receiving the money, Ms. H continued to borrow money from me and encouraged me to invest with the leaders of her workplace to purchase property in a project, purchase land for investment, and so on. She continued to inform me that “the chairman requested the transfer of personal income tax before receiving investment interest,” “make advance payments,” “buy a car,” etc., so I had to pay various amounts, all of which were transferred directly to Ms. H’s accounts. As of February 16, 2024, the total amount Ms. H has received from me is 4,374,000,000 VND.
After a long period of investment and transferring money to Ms. H as a loan but not receiving any of the promised amounts, Ms. H herself could not provide any documents to prove her employment at ABC Bank, the purchase of a car for me, or the investments as stated. Therefore, from around July 2023 until now, I have repeatedly called, texted, and even visited Ms. H’s house to request the return of the money, but Ms. H has remained unwilling and has consistently avoided me, not responding to my messages or calls. I believe that Ms. H’s actions exhibit many signs of the crime of fraud as defined in Article 174 of the 2015 Penal Code, for the following reasons:
The information provided by Ms. H is suspected of being fabricated to defraud. During our interactions, Ms. H stated that she worked at ABC, encouraged me to invest with the bank’s leaders like the “chairman,” invest in real estate projects, borrow money for investment, pay personal income tax, and buy a car for me… However, Ms. H has never provided any official documents to prove this information when I requested it, nor has she made any payments to me. It is evident that Ms. H used false information to gain my trust and then defrauded me of 4,374,000,000 VND.
Ms. H has shown signs of deception in fulfilling her payment obligations. In early January 2024, after I requested that Ms. H make the payments, she stated that she had transferred 1,500,000,000 VND to me and even sent a screenshot of her phone to prove the transfer. However, as of February 16, 2024, I have not received any money from Ms. H. It can be said that Ms. H is using fraudulent tactics to defraud me. Moreover, after being contacted by my authorized representative, a law firm, regarding the above debts, Ms. H made a small partial payment and repeatedly stated that she would pay the entire remaining amount owed to me or transfer ownership of an apartment to settle the debt. However, to date, Ms. H has not taken any action to pay the amount owed to me.
The amount of money that Ms. H has defrauded meets the threshold defined in Clause 4, Article 174 of the 2015 Penal Code on Fraud: Pursuant to Article 174 of the 2015 Penal Code, if Ms. H is prosecuted for the crime of fraud with a value of 500,000,000 VND or more, she may be subject to up to 20 years of imprisonment or life imprisonment.
Based on the above grounds, I hereby request that your agency consider and resolve this matter in accordance with the law. Please clarify this case, prevent criminals from escaping, and serve as a deterrent to those who violate the law, contributing to maintaining security and order in the area. I thank you for your attention.
