GUILTY: A Warwick man admits to trying to falsify information to obtain a loan.
GUILTY: A Warwick man admits to trying to falsify information to obtain a loan. Pixabay

Credit card debt drives Warwick man to forge bank document

AN $80,000 credit card debt racked up by his wife drove Graham Francis Gow to lie to the bank about his finances.

The Warwick man fronted Warwick Magistrates Court last week, pleading guilty to attempted fraud after he used a computer program to alter a bank statement so it appeared as though he had no payments overdue.

Lawyer Bonnie O'Brien said it was a "silly decision" that arose out of the debt.

"The application for a loan was done in an attempt to consolidate the debt and bring it under a single loan with a lower interest rate," Ms O'Brien said.

However, the loan was declined when it was found to be displaying false information.

The police were contacted and Gow was charged in June last year.

Ms O'Brien said Gow had to retire from his long-term position as a dental technician to cash in his superannuation and pay off the debt.

The court heard he is now separated from his wife and back in the workforce with the intention of building his superannuation back up.

Ms O'Brien said the case was different to other attempted fraud cases when a clear benefit was received.

"There is a degree of benefit that they get the loan they might not have otherwise have gotten, but it's money they still have to pay back to the bank," she said.

The 57-year-old had made steps towards rehabilitation, Ms O'Brien said, by paying off the debt using his superannuation and seeking counselling.

Magistrate Bevan Manthey said Gow's charge was serious and he had already suffered serious consequences.

"There's no doubt he's lost a significant amount as far as his good character," Mr Manthey said.

Gow was sentenced to 12 months probation and no conviction was recorded.