Last Updated on 2022-01-08 , 3:49 pm
In Singapore, most of us grew up being chided by our parents for not waiting for our grandparents to eat first.
As time passes, it was only instinctive for us to treat our grandparents with the utmost respect as if it was ingrained as muscle memory.
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However, for this particular lad, his muscle memory clearly failed him.
What Happened
In August 2019, Kwok sneakily stole five cheques from his grandfather’s bedroom drawer from their home in Chua Chu Kang.
Kwok claimed that he wanted the money to pay for his “personal expenses” and to repay a friend.
Thereafter, he threw his morals out of the window temporarily and forged his grandfather’s signature.
Kwok did not go light-handed too: he wrote three cheques, each between $9,000 and $12,000. By the end of this, Kwok’s bank account grew around $31,000 heavier.
In the following month, Kwok’s grandfather made a police report upon realizing unauthorized withdrawals from his bank account. Fortunately, Kwok’s grandfather told the police his suspicion of his grandson being the one behind all this.
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It Doesn’t End Here
In October 2020, Kwok met up with an insurance agent from AXA Insurance twice under the false pretense that he wanted to buy some policies. Kwok had initiated contact previously in LinkedIn.
At the meetings, he signed the policy documents. However, when he was told to make a one-time payment of $7,200, he requested to pay in instalments as he needed some spare cash for his everyday expenses.
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However, payment by instalment was not possible, so the agent agreed to lend him $3,600 after Kwok pays for the policies. Kwok then agreed to repay her $300 per month.
With less than $500 in his bank account, Kwok knew very well that the transaction would not actually go through. But he knew the system would indicate the successful transfer of monies.
Kwok then made two transfers from his account totalling $7,200 via Singpost’s SAM electronic payment system. He then sent screenshots of the transaction to his insurance agent as “proof” of transfer.
He exploited this to trick his AXA Insurance agent into believing that he has already transferred the funds. The agent soon caught up with Kwok in his little scheme and made a police report.
Kwok has since returned the full $3,600 to his agent.
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He is set to return to court on Feb 10 for mitigation and sentencing.
Meanwhile, he remains out on bail, set at $15,000. Safe to say, his grandfather would probably not be bailing him out, and he doesn’t have any insurance to fall back on.
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