[2013 Highest 3306]

1. Around February 6, 2013, the fraud Defendant: (a) met the victim F at a coffee store, in a so-called "Yeong-dong Incheon Incheon Incheon Terminal; (b) C, along with a name C and D (one name E); and (c) C, “it is possible to loan the lending; and (d) the submission of documents necessary for the lending would make it possible to obtain a bank right loan equivalent to KRW 5-60,000,000,000 if the documents necessary for the lending are submitted; and (b) the Defendant, in comparison with C’s horse at the end by the Defendant, stated, “A is well aware of the bank right branch office. It may be possible to obtain a bank right loan within one month.”

However, in fact, the Defendant knew that C was a hub for a financial loan that mainly provides a real estate mortgage loan or a loan for a car capital loan, and although C was well aware of the fact that C was unable to provide a loan equivalent to KRW 5-60 million only to the credit of the victim in a bank zone, C would make the victim's horse in concert with C, and said C would not be able to provide a loan to 5-60 million won.

In addition, the defendant was well aware that he did not have the intent or ability to provide a credit loan that he stated to the victim, and even if he received necessary documents for the loan, such as a certificate of personal seal impression, he could use it for the application for a used vehicle loan for the capital company, not for the credit loan.

The defendant was issued one copy of the personal seal impression, family relation certificate, resident registration certificate, and identification card, and one copy of the national bank passbook under the name of the victim in the market situation.

Accordingly, the defendant, in collusion with C and D, by deceiving the victim and by deceiving the property.

2. On February 8, 2013, the Defendant: (a) filed an application for a loan to use a used car in the name of Hyundai Capital under the F; (b) the Defendant applied for a loan to use a used car in the name of the F; and (c) applied for a loan to use a type of car in the modern Capital.