I call BS!
This whole story is a scam! This is a scam, the movie itself...
The guy (Simon) Probably he was already being caught with different illegal stuff so he or someone said why not let's make one last scam...
He talked with the girls and after they cleared some money from the banks they blamed him which he was already in the ditch with fake papers and all that he already knew that he's going to prison but this was just the icing on the cake.
After they presented themselves as victims, sold the story to Netflix, made more money and now they are "paying" the money they borrowed.
Don't take this comment for real is just a thought of mine nothing serious.
:))