A West Cork man made four attempts over a two-year period to get loans by deception from KBC bank and they reported all four crimes to gardaí but the sentencing judge said the bank could have written to the accused after the first attempt saying, “Hey lad, cop yourself on.”
Detective Garda DJ O’Shea said that between 2016 and 2017 Grant DeCourcy of Schoolhouse, Kealkil, County Cork, made four separate applications for loans from KBC bank with the support of forged documentation.
The bank examined the documents and saw they were forgeries and reported each matter to the gardaí.
“Following examination, KBC bank felt the documents had been altered as there was a different font used for the name on the altered documents,” Det. Garda O’Shea testified at Cork Circuit Criminal Court.
KBC reported to gardaí the four attempts to get a loan from them using forged documents. All the attempts to make a gain by deception were similar in the way they were carried out.
Judge Seán Ó Donnabháin said: “To some extent KBC want society to do their auditing. If they had written to him in 2016 (after the first attempt) they could have called a halt to it.
“They could have said, ‘Hey lad, these documents are fraudulent’, if they had written and said, ‘Hey, lad, cop yourself on, these documents are false.’ Instead, he kept on with the same strategy.”
Sinead Behan defence barrister said there were psychiatric reports on the accused showing a diagnosis of him having paranoid schizophrenia.
Ms Behan said the 47-year-old lived with his elderly parents.
Judge Ó Donnabháin noted that the accused received no financial benefit from his actions.
The judge imposed a 12-month jail term suspended on condition that he would keep the peace for 12 months and remain under West Cork mental health services.
The charges refer to attempts to get loans of sums around €10,000 and using false documents to that end.