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'smishing scam' 'Naive' teenager let fraudsters use his bank account to launder €9,000

Defendant might have been "taken advantage of by fraudsters", court told


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A "NAIVE" teenager who let fraudsters use his bank account to move more than €9,000 from a smishing scam got "sucked into" the crime without realising how serious it was.

Kyle Lumsden (19) provided the details of his account, which was used to transfer the cash, a court heard.

He is the third person to plead guilty to charges arising from the transfer.

Judge Bryan Smyth adjourned the case at Dublin District Court.

Mr Lumsden, a trainee carpenter of North William Street flats in Dublin's inner city, admitted money laundering at Bank of Ireland, O'Connell Street, on August 14, 2019.

The prosecuting garda said there had been two co-accused before the courts but Lumsden's account was the first to receive funds.

The court heard in August 2019, a smishing campaign was reported to gardaí in which customers of Bank of Ireland had their accounts compromised.

€9,470 was transferred to a money mule account and an attempt was made to withdraw that by an unknown male but it was unsuccessful.

The money was transferred from Lumsden's account to the account of a co-accused.

Lumsden could not explain how the funds got into his account.

He was not suspected to have been the person moving the money, but his account was provided.

The money was never recovered.

The court heard that three "gentlemen of African extraction" were seen going to a bank and taking out cash.

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Lumsden had no previous convictions.

The accused "might have been somewhat taken advantage of by fraudsters", his solicitor Yvonne Bambury said.

It was only after he was arrested he became aware that it was part of a bigger scam.

He was "foolish" and did not know that he was "going to criminalise himself".

There "might have been an element of fear involved", Ms Bambury said.

There was no benefit to him financially.

"Why would he agree?" Judge Smyth asked.

"He got involved with these people, he got a little bit afraid," Ms Bambury said.

"They were friends of friends of his, he got sucked into this and didn't know how to extricate himself."

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