Quebec man commits $200k in credit card fraud, blames banks for his woes

A Quebec man argued that his credit card fraud is partially to blame on banks.
A Quebec man argued that his credit card fraud is partially to blame on banks. (Photo: iStock)

In an argument that can be likened to “the devil made me do it”, a Quebec man argued that his credit card fraud is partially to blame on banks because they make credit cards so enticing; they’re hard to resist.

It was revealed in the case that the man had an ongoing gambling problem and used credit cards to cover his debts. The fraud itself took place between 2009 and 2010 and saw him get nine credit cards by lying about his annual income, and then spending his newly accessed cards on trips and other expensive items.

When it came to sentencing, the case started going south for the man when the court criticized him by saying: “The presentence report is by no means glowing. He seems to minimize the nature of his offenses and does not really understand that there are victims of these crimes.” A presentence report is a report prepared by a probation officer before an offender’s sentencing.

It didn’t help that his side was arguing that “financial institutions are in part to blame, as they encourage individuals to apply for credit and entice them with easy access to funds they cannot afford.”

The court rejected that argument and seemed to take issue with the fact that he was trying to blame his actions, at least partly, on financial institutions. Though the court agreed that “banks may be faulted for overly encouraging the use of credit cards,” that doesn’t mean an individual has to take advantage of the offers and commit fraud in the process.

The man’s lawyer asked for a conditional sentence, meaning he would serve his sentence in the community and not jail.

The court found that kind of sentence would be too light in this case and came to the conclusion that given the large amount involved in the fraud as well as the risk of re-offending, the proper sentence was to give the man a harsher sentence in form of jail in order to stop him and others from fraudulent activities.

He was sentenced to 18 months in jail and two years’ probation.

This just goes to show you can try to blame the devil all you want but you’re the one that will suffer the consequences!

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