Cork mortgage applicant trying to streamline the process made “a stupid and illegal error” by altering a P60 and found himself prosecuted for the fraudulent action yesterday.
The DPP said the case could only be dealt with at district court level on a plea of guilty, otherwise it would have been a matter for a trial by judge and jury at the circuit criminal court.
Damian Coleman, aged 38, of Massabielle, Ballycraheen, Vicarstown, Co Cork, pleaded guilty to four charges at Cork District Court.
Defence solicitor, Veronica Neville, said yesterday on the defendant’s behalf: “He pleaded guilty at the first opportunity. The charges relate to the same application.”
Ms Neville said Coleman had suffered “enormous fallout” from his own actions.
Sergeant Gearóid Davis said the defendant made a false mortgage application with KBC Bank using altered documents. KBC reported the attempted mortgage fraud to the gardaí. The application submitted was suspected to contain altered documents. It was an attempt only and no loss was suffered by the bank.
“He admitted he did alter three bank statements and did so out of fear of being refused a mortgage,” Sgt Davis said.
Judge Olann Kelleher noted the defendant had no previous convictions and said he was entitled to have a probation report prepared in advance of sentencing. The case was put back until December 9.