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Fraudulent Husband

Fraudulent Husband

11 mins
398


Kumar was working at a branch of State Bank of Hyderabad at Hyderabad, as Accountant for 15 years. Kumar was financially poor and was unable to manage his family with his meager salary. He was having lot of debts and financial commitments, addicted to alcohol and played cards and went to horse races.

Kumar had an idea and wanted to implement into action. Sanjay worked in the same bank. Both the families used to visit each other’s house.

Kumar said, "Hi, Sanjay, come for a party, we will go to a bar and have beer." During the prolonged discussion, Kumar told Sanjay- "Hey, I had an idea. This will make us free from financial constraints, we can become rich."

The plan was that, for any customer coming to the bank for depositing money, I will issue the FDR with Manager signature, cut the receipt, put the bank rubber stamp and issue to the customer, said Kumar. During the implementation of this fraud plan, Kumar did not make entries in the bank ledgers and not remitting the money into the Bank Treasury. Manager used to sign on all the FDRs thinking that Kumar was handling these things right from the beginning. Kumar thought for a while and wanted to take the advantage of Manager’s reposing confidence on him. In the absence of Manager, Kumar used to forge the signature of the Manager and used to issue FDRs. Kumar was able to implement his master plan with ease.

Sanjay used to give the blank FDRs, one bank cash receipt book and one ledger, for maintaining records, as if it looks like official registers, but all these books were separately kept with Kumar himself.

Kumar said Sanjay- "We will work closely on this subject and monitor all the transactions." Many customers deposited money in the form of FDRs. All the customers were given with these fake FDRs by Kumar and became financially rich and small amounts were given to Sanjay, as and when needed by him.

One fine day, Bank Audit took place. The Auditors observed everything going fine. But, they got a small suspicion that customers were not making any deposits to the bank at that branch. When the Auditors asked the Bank Manager regarding the raising of deposits, the Bank Manager told that number of customers had deposited the deposits and all the details could be given by the Accountant Kumar, who was maintaining all the records. At that particular moment, Kumar was not available at the branch. Sanjay was given some percentage and small amounts for helping. Things moved well for few years. Maya, the wife of Kumar was unaware of these fake and fraudulent financial transactions.

A 30 year old unmarried lady by name Miss Shalini entered the field and made a close friendship with Kumar by seeing Kumar’s luxury life and sound financial position. Shalini used to move very closely with Kumar. Their acquaintance became very close. Both used to go to parks, movies, hotels and other places like resorts and pubs. Kumar and Shalini’s movements got suspicion among friends. Kumar used to spend good amount of money to his lady friend Shalini whenever she met him. Kumar’s friends and colleagues said, both Kumar and Shalini had physical relationship.

They used to visit bars and pubs and were consuming liquor. Kumar was habituated to racing field. They even used to visit race course and used to enjoy the bettings. Kumar lost most of the money in racing and much of the amount was spent on Shalini. Friends of Kumar said Shalini was a class keep and a paid bitch. Kumar deaf-eared to his friends’ advice not to entangle and fall prey to the deeds of Shalini, as Shalini’s track record said many people were the victims of her actions and landed on roads.

All these things were happening without the knowledge of Kumar’s wife Maya. But, Sanjay knew all these things and kept silent without informing Maya, as Kumar used to feed money to Sanjay for keeping the things secret.

Maya, wife of Kumar got some smell about the behavioral attitudes of Kumar. Kumar was not going to his house regularly. Whenever he went to his house, he was seen at top gear and was in drunken condition. Some of the bank staff told Maya about Kumar’s movements with Shalini. Shalini was a beautiful and good looking lady. Maya got suspicion on Kumar. Maya called Sanjay, who was a close friend to Kumar and enquired about all the issues. Maya confirmed that Shalini was a bitch and that Kumar got entangled with her, which made Maya angry, annoyed, irksome and embarrassing position. Maya took all the feedback on Kumar’s daily habits and movements with lady Shalini.

Maya wanted to give a lesson to Sanjay and asked him to come to his house for a thorough post-mortem on Kumar’s issue. Maya planned to bang Sanjay for not revealing the happenings and truth to her, in time. Maya wanted to elicit total information from Sanjay.

Maya called Sanjay to his house. Maya shouted on Sanjay - "What the hell is going on between my husband Kumar and that bitch Shalini?" Maya's patience was at its lowest ebb and she was ready to burst.

Sanjay knew that she was serious. "Look, Maya. There is nothing going on between the two of them. Just a little bit of healthy flirting, I'd say."

"Flirting? Healthy flirting? Really Sanjay, you are still making me a fool," and she rolled her eyes in disgust. "That's what you men call it? There is nothing healthy about flirting, Sanjay, not for a married man like Kumar."

Maya also told Sanjay in a very serious manner that healthy flirting is a term introduced by perverted men who want to lend legitimacy to their extramarital alliances. Flirting invariably has a sexual connotation to it. She got up from her seat and walked around the room gesticulating and muttering something to herself. Suddenly she stopped, turned back, looked at Sanjay and asked, "Did my husband sleep with her i.e. with Shalini? You are his friend. Did he ever tell you anything about it?"

Maya became outburst. Maya told Sanjay that – "You are our family deceiver and a fraud. You are a stupid idiot and a useless fellow. You are a blunt liar. You are a dangerous cut-throat fellow." Maya could not control the things… Maya expressed her anguish and continuously banged Sanjay. Maya wept, shouted and angered on Sanjay for keeping silent on all these days. Maya confirmed that Shalini was a class bitch and a paid keep to Kumar, which Maya could not tolerate and blasted Sanjay with, filthy, un-parliamentary and vulgar language.

Maya ferociously bombarded and banged Sanjay telling that Maya lost everything in life because of you people's stupidity and big blunders. Maya told Sanjay, a waste friend and do not deserve to be a family friend. Hey Sanjay – you don’t show your face and asked him to get lost from the house.

Sanjay has no answer. Sanjay kept mum, became pale, nervous and his mind got blocked with the harsh words of Maya.

Sanjay told Maya, "See Maya, I have not moved with Kumar and Shalini. I was worried about myself." Then Maya banged Sanjay that had you told me at the beginning itself about the stupid bank manipulation fraud plan and the movements with that bitch lady Shalini, the situation would not have come up to this stage. I would have set right my husband Kumar then itself.

The time is lost. Everything I have lost.

See Sanjay, you are equally responsible for my family collapse and the God will not leave you so easily. See Sanjay, if you move with any keep like lady bitch and that if your wife comes to know, will she keep quiet and ever tolerate? You have committed blunders with Kumar and caused irreparable loss to me, said Maya.

Maya cursed Sanjay many times and wondered how he was showing his face to her. You, Sanjay go to hell and get out from this house and not show your face again.

Sanjay told Maya about their involvement in the bank fraud and the manipulation of bank money and swindling the customers’ amounts, in a fraudulent manner. Maya shouted at Sanjay and slapped him for bringing issue up to this level. Maya wept inconsolably. Tears rolled down like a river-flow. Maya’s eyes covered like hovering clouds. Maya’s heart and soul broke.

Sanjay wanted to leave Maya’s house in helpless and worried condition, but Maya scolded and told Sanjay – "You and my husband Kumar sucked the blood of Mother Bank when the bank is giving you bread and butter, you shameless fellows, rascals and scoundrels behaved like brainless psychos."

Don’t you get ashamed of swindling bank's money?

Do you think that the bank's money is your grandfather’s property?

What you people think of yourselves?

Where you people keep your face?

You go and die somewhere under the train, or get drowned in the Musi River or jump in to Bay of Bengal.

Maya shouted angrily and uncontrollably banged at Sanjay. Maya also banged her husband Kumar left and right alongside Sanjay to get lost by telling, “You ghosts and devils”, "Blood suckers and man-eaters”.

Maya further said that, "Ghosts and devils are better than you rascals and scoundrels."

Maya questioned Kumar – "Why did you move with Shalini that bitch? Why did you go to Shalini’s house? Why did you spend nights with her? Did you not take alcohol with Shalini and slept together? Did you not enjoy with Shalini? Tell me the truth."

Maya became outburst and said with boiling blood, you characterless fellows should get brain-analysis test to spill the beans.

Kumar answered Maya – "I have not done any sin. I just discussed on general issues with Shalini. I never slept with Shalini."

Maya instantly replied – "No wife will allow her husband to sleep with another lady. This is a life and death question," replied Maya. See Kumar, "Don’t tell me cock and bull stories. No men can keep quite when alone with a keep like lady that too while in drunken state at her house. I don’t believe you. I know well, you are not Satyawadi Raja Harishchandoa. You don’t bluff. I can’t listen to you. Enough is enough. You made all blunders in the life, I know, I know. You made my life miserable and awkward. I will go to Human Rights Commission (HRC) and make a complaint against you, if you do not mend your habits and ways. My home is not a ‘guest house’ and you are not a ‘visiting husband’, mind it. Don’t you feel ashamed to trouble your wife?" Maya told Kumar.

Maya unhesitatingly told, "See Sanjay, you and my husband Kumar are almost a gone case and go with the wind. You both people are culprits. You people will suffer and can’t escape from the law of land. This is my cursing."

Maya further told, "I know you don’t give money to run the family. You spend lots of money on Shalini that bitch. I can’t tolerate and keep quiet." Even Maya slapped Kumar several times, as Kumar kept silent and could not have voice to speak.

Maya looked like a Towering Inferno. Few weeks passed.

The Bank Auditors noticed that this particular branch did not raise any deposits for the bank during the Deposit Mobilization year. This got suspicion by the Bank Auditors.

Kumar smelt that something will go wrong. Kumar felt that he will land in problem.

Sanjay, who was weak minded and was thinking deeply how to come out from this fraud and out of fear was unable to bear the mental torture. Sanjay hanged himself to a ceiling fan at his house and died. For, this Kumar felt that he was safe. But, things went wrong. Auditors had a suspicion on Kumar. Auditors kept a watch on Kumar’s movements.

Shalini, the lady bitch and a keep, de-docked Kumar and parted ways, left Kumar in disguise knowing that Kumar was involved in financial criminal Bank frauds.

Some of the customers approached the branch for withdrawal of their FDRs. Kumar was irregular to branch fearing enquiry by the Bank Auditors. Then the bank staff verified the fake FDRs and all were found fake ones. All the customers started troubling the Manager.

The Manager and Kumar were suspended from their duties. All the records were scrutinized. This FDR fraud went in crores of rupees as Kumar and Sanjay swindled money. The Bank gave complaint to the local Police Station and ordered for a total verification. Kumar revealed to Police that most of the fraud was done by Sanjay. FIR was lodged by Police. Court proceedings took place. Kumar was jailed and was on bail. Kumar told the court through his Advocate that Sanjay was fully responsible, because Sanjay was maintaining all the blank documents and books. The Court gave verdict that since Sanjay died and Kumar was not responsible. Kumar was let off freely.

Who is the beneficiary in this case? Who enjoyed the life with the Bank’s money? Whether the Bank has recovered any money from the Bank Manager, though the BM has not enjoyed anything out of Bank Depositors money? Whether the BM contested in the Court of Law for his dismissal? What efforts made by the Bank to rectify the loop-holes and defects in the banking transactions. What was the Banks Vigilance Cell doing without making any watch and ward on the staff of all the branches of the Bank? Why the Bank Management did not question the functioning style of the Vigilance Cell of that Bank? What was the action taken by the Banks Vigilance Cell with regard to staff’s’ involvement in various financial frauds? Is the Bank Management strictly following the Annual Confidential Reports of the staff members? Most of the questions are unanswered.

Kumar and Maya became old. The family lost very valuable time lead life. Reputation lost in domestic life and relationships were cut-off. They became very nervous and in helpless condition. Beautiful life has become miserable life just because of husband’s criminal and gambling mind.


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