A woman has pleaded guilty to fraudulently obtaining more than $93,000 by using other people's identifying information to set up loans in their names.
Courtney Thomas, 30, faced the Ballarat Magistrates' Court on Tuesday via video link from her home in Hoppers Crossing, facing five charges.
Police prosecutor Senior Constable Giles Brown said Thomas obtained identifying documents of 12 young women while working in her mother's business.
She used the identifying documents to obtain loans in the names of these women.
Thomas used the funds as her own money without paying back the loans between December 2015 and January 2017.
The court heard there was $93,250 debt relating to the offences.
Senior Constable Brown said Thomas was arrested and charged for identical offences committed during the same time period in 2017.
He said these offences committed during the same period came to light later and she was charged earlier this year.
A defence lawyer said the victims were not out of pocket from the fraud, only the finance companies.
She said Thomas spent four months in custody in 2017 for identical offences charged at that time.
"There has been a significant delay through no fault of Ms Thomas," the lawyer said.
The court heard Thomas was currently employed and had undergone counselling since the offending.
Magistrate Ron Saines requested the prosecution provide a summary of previous convicted offences to the court.
He said he would consider an employee reference and a counselling report provided by the defence.
The case was adjourned to July when the police informant will also give evidence.
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