CHAPTER - 15

KUMAR’S MASTER PLAN:

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 are 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.

One 30 years 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 & 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 say, both Kumar and Shalini had physical relationship.

They used to visit bars & pubs and were consuming liquor.

Kumar was habituated to racing field.

They even used to visit race course and used to enjoy the betting’s.

Kumar lost most of the money in racing and much of the amount was spent on Shalini.

Friends of Kumar say 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 say 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 goes 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 also told Kumar that you may be an Occasional Liar/Bluff Master.

But,on some occasions, sometime and at certain point, to save face value one can say something in an exaggeration, but it is not lie or bluff and the one is not a liar or a bluff master.

No human being is a King Satya Harischandra (Kind King – Truthful King – a SatyavaadeeRaajaa, a great King with his vow to remain truthful all times) or King Nala Maharaj, like in Hindu puranas history. (Nala, in Hindu mythology is the King of Nishada Kingdom and the son of Veerasena. Nala is known for his skills with horses’ ad culinary expertise.

He marries to Princes Damayanti, of Vidarbha Kingdom (also called Bhaimi) and their story is told in the Mahabharata).

So, one need not worry whether a person is a liar or a bluff master or otherwise.

So, this is not a subject to study in depth or it is neither a research paper nor anybody doing Ph.D. on the subject LIAR/BLUFF MASTER.