Jinju Criminal Attorney Case Example | Non-Referral Decision on a Charge of Violating the Electronic Financial Transactions Act with the Assistance of a Daeryun Jinju Criminal Attorney

The client in the Jinju criminal case, who came to a Daeryun Jinju criminal attorney, received a text message regarding a "low-interest loan" and came to communicate with an unidentified person who introduced himself as a product designer for emergency loans for low-income individuals.

The designer introduced the client to a government-supported low-interest product for low-income groups.

At the time, the client needed a substantial sum urgently but already had loans from primary and secondary financial institutions, which made obtaining a loan difficult.

In that situation, the client came to hear an explanation of a low-interest loan product said to be available even to persons with low credit.

The designer told the client that if the loan was processed through the designer's company's main bank, the interest rate would be lower and approval would be faster, and stated that if the client sent his name and resident registration number, the designer would check the preliminary approval limit and interest rate.

Afterward, the client in the Jinju criminal case sent the designer his name and resident registration number and decided to proceed with the loan.

Following the designer's instructions, the client opened a particular bank account.

The designer stated that there was currently a system error and that, if the client wanted fast loan approval, the client should provide the designer with the "account number, password, and mobile OTP."

The client handed over that information to the designer and afterward received a message stating that the account had been suspended from deposits and withdrawals as an account used for telecommunications-based financial fraud.

Concerned that the client's account might have been used in a fraud offense, the client came to a Daeryun Jinju criminal attorney.

The Jinju criminal attorney argued that the client had not clearly recognized that the conduct was a violation of the Electronic Financial Transactions Act.

The client believed it was one of the procedures for obtaining the loan.

In fact, the client had asked the designer whether it was a legitimate loan.

The designer reassured the client by stating that it was a legitimate process.

The Jinju criminal attorney submitted the relevant text message records as evidence that the client had not known the conduct was unlawful.

The Jinju criminal attorney argued that the client was experiencing economic difficulties to such an extent that the client could not have noticed that the conduct was unusual.

The client needed a substantial sum but already had loans from primary and secondary financial institutions, which made a new loan difficult.

For that reason, the client was unable to doubt the designer's statement that a low-interest loan was available even with low credit.

The Jinju criminal attorney emphasized that the client had not obtained any economic benefit from this matter.

The Jinju criminal attorney strongly argued that the client had not violated the Electronic Financial Transactions Act for the purpose of economic benefit or the like.

The Jinju criminal attorney asserted that the client was also a victim deceived by a fraud group and that the client turned himself in as soon as he realized it was a fraudulent act.

As electronic financial transactions have developed rapidly in recent years, the sanctions for violations of the Electronic Financial Transactions Act enacted to regulate them have also become stricter.

As in the client's case, violations of the Electronic Financial Transactions Act often involve persons who are charged without being aware of it.

If a person has also been deceived and suffered harm, the person must prove that there was no intent to participate in the offense.

However, it is difficult for an individual to prove that he or she is a victim, and even if intent is denied, avoiding punishment may also be difficult.

For that reason, it is advisable to obtain the assistance of an experienced criminal attorney.

Daeryun Law Firm provides clients with tailored legal services from the early stages of a case through the trial stage, with criminal attorneys experienced in this area.

If you need the assistance of a criminal attorney regarding the Electronic Financial Transactions Act, please seek a Jinju criminal attorney at Daeryun Law Firm.