Chris Flitter, 42, told the unsuspecting victims he needed their bank details to transfer money – but he then used them to apply for over 25 loans and transfer money to his own account.
In all, the accused attempted to borrow over £200,000 but many of his applications to lenders were denied.
Conman Flitter successfully borrowed over £23,000 using his ‘thoroughly decent’ neighbor’s details and £18,000 using one of his own brother’s accounts.
Recorder Michael Auty QC told Flitter: “What you did was truly despicable – two of your victims were your own brothers.
“One of them was a neighbor who had shown you nothing but kindness, and the other was a trusted friend. They were trying to get £200,000 riches.”
Gregor Purcell, prosecutor, told Derby Crown Court how Flitters victims were given “reassurances” in 2019-2020 that “matters would be put right” after he misled them.
However, the court heard his neighbor “may never recover” from Flitter’s cheating.
Mr Purcell said one of Flitter’s scams was a friend of over 10 years with whom he had been on holiday and “shared school pickups”.
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He added, “It might have given the defendant the confidence to contact him and tell him he was involved in some investments that were ready for payout and asked (the victim) to have payments deposited into his accounts.”
The court heard Flitter, who had no criminal record and was a father to teenage children, had successfully withdrawn £7,500 on behalf of his friend while requests for a further £20,000 were denied.
Shannon English, who defended Flitter, told the court it was “clear” that “something went wrong” with her client.
She added: “At the time of the offences, he was unemployed having been fired from his employer and took up gambling to survive.
“He accepts that he also took out payday loans, he was addicted to gambling.”
Judge Auty said: “Mr Purcell described your conduct as sophisticated – I consider it determined, it lasted ten and a half months.”
The judge, who suspended a two-year sentence for two years, said the starting point in terms of the sentence would have been five years in prison after a trial.
However, after mitigation and acknowledgment of his guilty plea, that could be reduced to two years.
He said: “If I had sent you away today because of something like that, what would that have done to your family?
“It’s been a while now – between two and three years and there hasn’t been a repeat
“The prison system also includes the hope of rehabilitation, and so I ended up taking a very unusual course with you by a hair’s breadth.
“Not out of special sympathy for you, but out of a lot of sympathy for your wife and children.”
Flitter from Brierley Road, Ripley, admitted nine counts of cheating. He was given 200 hours of unpaid work.