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DH jailed 4 months for using invalid contract to get $35k loan

26 August 2019

By Vir B. Lumicao

A Filipina former helper was jailed for four months by a Kowloon Court magistrate on Aug 26 after she admitted using a terminated work contract to secure a loan of $35,700 from Prime Credit in Hong Kong, then left for the Philippines.

Magistrate rejected plea for clemency,
pointing out to Buena Cosa's use of  fraud
Ranie Lou Buena Cosa, 31, was arrested at Hong Kong International Airport on Jul 26 when she arrived as a tourist to visit a sister who is working here.

She did not know that she was on Immigration’s wanted list for having fled Hong Kong after taking out the loan.
In court, she pleaded guilty to a charge of “obtaining pecuniary advantage by deception.”

Magistrate Ada Yim rejected her lawyer’s plea for leniency, saying the offense was serious because Buena Cosa had fraudulently used an invalid contract, then fled after collecting the loan.
Buena Cosa was found to have taken out the loan from Prime Credit’s branch in Carnarvon Plaza, Tsimshatsui, on Apr 23 this year, 10 days after she was terminated by her employer.

Her counsel said Buena Cosa came to work as a domestic helper in Hong Kong on Mar 23, 2018 but was fired more than a year later, on Apr 13 this year.
After failing to find a new employer and needing money badly, she went to the financing company to take out a loan using her contract.

The lawyer appealed for leniency, saying the defendant was remorseful and admitted the crime at the first instance.

Buena Cosa had been in police custody since her arrest.

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