Ripy Jubbal of Abbotsford has received a 30-month jail sentence for the fraudulent use of credit cards and credit card data. (Facebook photo)

Ripy Jubbal of Abbotsford has received a 30-month jail sentence for the fraudulent use of credit cards and credit card data. (Facebook photo)

Abbotsford woman sentenced for $80K in fraudulent credit card purchases

Ripy Jubbal and spouse used identities of 19 different victims, court hears

An Abbotsford woman who, along with her spouse, was responsible for 345 fraudulent credit card purchases totalling $80,000 has been sentenced to 30 months in prison.

Ripy Jubbal, 47, was recently sentenced in B.C. Supreme Court in New Westminster after previously pleading guilty to six counts related to the fraudulent use of credit cards and credit card data.

She was given six and a half months’ credit for time served, leaving her with just under two years in custody.

Jubbal and her spouse, Karmjit Tiwana, 48, initially each faced 22 charges, all in Abbotsford. Tiwana was sentenced in June 2020 to a conditional sentence of two years less a day.

Court documents state that between September 2016 and January 2017 the pair used the identities of 19 different victims to open fraudulent accounts and credit card numbers.

The credit cards were then used for various purchases, including women’s shoes and other goods, which Jubbal sold over Facebook; a trip to Fiji; and the lease of a BMW.

ALSO READ: Couple faces 69 charges related to CBSA Surrey immigration fraud investigation

In one instance, the pair fraudulently purchased a $6,700 trip through a travel agent. As a result, the travel agency was, consistent with the use of credit cards by such merchants, back-charged for the amount of the tickets.

The employee who sold the tickets was then required by her employer to pay the back charge personally, borrowing the money at interest to do so.

As part of her sentence, Jubbal has been ordered to pay back the $6,700.

Jubbal and Tiwana were arrested in January 2017 at their residences on Rainbow Avenue in Abbotsford. Search warrants were executed at their residences and a storage locker.

According to the court documents, among the items seized by police were stolen mail and property stolen from a robbery, a break-in and a vehicle.

Documents, receipts and notebooks contained detailed lists of victims’ personal information and credit cards.

Also found was a stolen driver’s licence that had been altered to include Jubbal’s face.

According to the court documents, Jubbal has a prior criminal history that includes a 2004 fraud conviction in which she was ordered to pay back $17,000 to a victim.

In 2008, she was convicted of fraud, possession of stolen property and breaching her bail conditions.

Another fraud conviction followed in 2009 and again in 2011, when she was also convicted of credit-card and stolen-identity offences and served a 30-month sentence.

Tiwana had no prior criminal record at the time of his sentencing.

During sentencing, Justice Kenneth Ball made note of a 2008 incident in which Jubbal witnessed the gunshot murder of her boyfriend at their townhouse in Surrey. She fled the home by jumping out of a second-storey window.

Previous news stories indicate that the man killed was Sunny Bains. Gangster Raminder “Manny” Bhander was later convicted of second-degree murder in the killing, and Jubbal testified at this trial.

RELATED: Surrey gangster loses murder appeal

Ball said Jubbal has been a user of crystal meth since 2007 and was using the drug daily at the time of her most recent offences.

Ball referenced a pre-sentence report in which a forensic psychologist who interviewed Jubbal said she was at a high risk to re-offend and described her as a person “skilled in deceit, and that she shows no genuine remorse for her fraudulent behaviour and the effect that repeated behaviour had on her victims.”

Ball said the offences allowed Jubbal to “live an unearned lifestyle, while depriving victims of their hard-earned cash and credit.”

“The repeated conduct of the offender in fraudulently using credit cards and stolen personal information not only harms individuals, but the community as a whole, in a profound way that damages personal and corporate finance in the community,” he said.



vhopes@abbynews.com

Like us on Facebook and follow us on Twitter

BC Supreme CourtCrime

Just Posted

Students at ACSS and BGMS will start the school year in September with positive changes at their Aldergrove Campus. (Special to The Star)
Fit Core athletic centre to link Betty Gilbert and Aldergrove Secondary

Langley School District announced new courses such as guitar and digital technology for students

Douglas Denyer walks with his wife Dorothy, who passes away at 90. The long-time resident of Langley and Rotarian since 1984 turned 100 on June 16. He has two sons, five grandchildren and four great-grandchildren. (Special to Langley Advance Times)
Celebrating ‘a beautiful life,’ Langley senior turns 100

‘I’ve always tried to help out everyone I can” Douglas Denyer says

Vancouver Giants will return to the ice on Oct. 8, hosting the Prince George Cougars at Langley Events Centre. (Special to Langley Advance Times)
Giants will renew division rivalry with Cougars when season resumes in October

First game at Langley Events Centre since February of last year

A flower-bedecked memorial to one three people who died at the scene of a suspicious house fire in Langley stands outside the burnt-out house in the 19600 block of Wakefield Drive on Monday, June 29, 2020. (Dan Ferguson/Langley Advance Times)
First hearing for man charged in Langley triple homicide

Kia Ebrahimian faces three counts of second degree murder

Big Splash water park is located in Tsawwassen. (submitted photo)
Big Splash reopens Canada Day with changes to keep the water park ‘safe for everyone’

Executive Hotels & Resorts has owned and operated the attraction since 2017

Maxwell Johnson is seen in Bella Bella, B.C., in an undated photo. The Indigenous man from British Columbia has filed complaints with the B.C. Human Rights Tribunal and the Canadian Human Rights Commission after he and his granddaughter were handcuffed when they tried to open a bank account. THE CANADIAN PRESS/HO-Heiltsuk Nation, Damien Gillis, *MANDATORY CREDIT*
VIDEO: Chiefs join human rights case of Indigenous man handcuffed by police in B.C. bank

Maxwell Johnson said he wants change, not just words, from Vancouver police

Tk’emlups te Secwepemc Chief Rosanne Casimir stands outside the former Kamloops Indian Residential School after speaking to reporters, in Kamloops, B.C., on Friday, June 4, 2021.THE CANADIAN PRESS/Darryl Dyck
Kamloops chief says more unmarked graves will be found across Canada

Chief Rosanne Casimir told a virtual news conference the nation expects to release a report at the end of June

A woman wears a vaccinated sticker after receiving a COVID-19 vaccine at a vaccination clinic run by Vancouver Coastal Health, in Richmond, B.C., Saturday, April 10, 2021. THE CANADIAN PRESS/Jonathan Hayward
B.C. ranks among highest in world in COVID-19 first-dose shots: health officials

More than 76% of eligible people have received their 1st shot

A screenshot of the First Peoples Cultural Councils First Peoples’ Map. (First Peoples Cultural Council)
Online resource blends B.C.-Alberta’s Indigenous languages, art and culture

Advisor says initiative supports the urgent need to preserve Indigenous languages

Cannabis bought in British Columbia (Ashley Wadhwani/Black Press Media)
Is it time to start thinking about greener ways to package cannabis?

Packaging suppliers are still figuring eco-friendly and affordable packaging options that fit the mandates of Cannabis Regulations

An artists conception of the new terminal building at the Pitt Meadows Regional Airport.
Air travel taking off in B.C., but lack of traffic controllers a sky-high concern

There will be demand for more air traffic controllers: Miller

Canadian Armed Forces experts are on their way to North Vancouver after a local homeowner expressed worry about a military artifact he recently purchased. (Twitter DNV Fire and Rescue)
Military called in to deal with antique ‘shell’ at North Vancouver home

‘The person somehow purchased a bombshell innocently believing it was an out-of-commission military artifact’

Amy Kobelt and Tony Cruz have set their wedding date for February, hoping that more COVID-19 restrictions will have lifted. (The Macleans)
B.C. couples ‘gambling’ on whether COVID rules will let them dance at their wedding

Amy Kobelt and Tony Cruz pushed back their wedding in hopes of being able to celebrate it without the constraints of COVID-19

A plane is silhouetted as it takes off from Vancouver International Airport in Richmond, B.C., May 13, 2019. THE CANADIAN PRESS/Jonathan Hayward
Report calls for airlines to refund passengers for flights halted due to COVID-19

Conclusion: federal help should be on the condition airlines immediately refund Canadian travellers

Most Read