Abu Dhabi court orders bank employee to repay Dh55,000 in car finance scam

The Abu Dhabi Civil Family Court has ordered a bank representative to repay Dh55,000 to a customer and pay Dh5,000 in compensation after fraudulently taking the money under the pretext of arranging car finance.

The court ruled that the female bank employee had unlawfully obtained the funds after asking the customer to transfer the amount to her personal bank account as an advance payment to secure a vehicle.

According to court records, the man said he had contacted the defendant believing she was a bank representative responsible for processing vehicle finance applications. She allegedly told him that a down payment was required to reserve the car with the dealership and complete the financing procedures, Emarat Al Youm reported.

The plaintiff transferred Dh55,000 to her account and paid a further Dh5,000 as a refundable deposit to the car dealership. However, the woman failed to take any steps to arrange the financing and stopped responding to his calls and messages.

The man submitted bank transfer receipts, a deposit receipt and WhatsApp message exchanges as evidence. During proceedings, the defendant requested time to reach a settlement, and the court granted several adjournments, but no agreement was reached.

In its reasoning, the court said the bank transfer receipt and the defendant’s failure to deny receiving the Dh55,000, along with her request for time to settle, confirmed her liability for the amount.

The court found that she had taken the money without carrying out the agreed action, establishing legal grounds for fault, damage and causation. It ruled that the claimant had suffered material and moral harm, including loss of use of the funds and delays in implementing the agreement.

The court ordered the defendant to repay Dh55,000, pay Dh5,000 in compensation for damages, and cover all legal fees and court costs.