A defaulting customer, Ms. FAWZIYA HILAL SULAIMAN AL HASHAMI came to Sumail Branch and handed over the vehicle to you. You have sold the vehicle to a third party without informing our ISCC Dept. and without completing the processes. You have also forged signature of OTE authorized signatory for removing OTE’s joint name with the above mentioned customer, Ms. FAWZIYA HILAL SULAIMAN AL HASHAMI.