Illegal?

marc1642

Hi, all,

If two people have a joint cheque account (one that says ''Mr & Mrs'' on it) what happens if one of the couple becomes incapable of providing their signature, through illness? Is it illegal for one of the couple to forge the incapable partners signature whenever they write a cheque?

BoGoF

Seriously ?

Go on, have a guess

balmk

Yes it is.

Does the cheque specifically require 2 signatures? If it is just a regular joint account, only one would suffice.

p00hsticks

Yes, I think it's always going to be illegal to forge someone's signature when the intent is to decieve.

Not all joint accounts require both signatures on everything though - it depends on exactly how the account is set up. In many cases, just one of the account holders rather than both needs to sign each cheque.

dunstonh

Is it illegal for one of the couple to forge the incapable partners signature whenever they write a cheque?

So, you are asking if committing fraud is against the law? Do we really need to answer that!

pvt

This is the best laugh I've had all day :rotfl:.

If anyone forges a signature, they are commiting, er, forgery.

pvt

pvt

p00hsticks wrote: »

Yes, I think it's always going to be illegal to forge someone's signature when the intent is to decieve.

Can you think of an example of were someone might be doing it for a reason other than to decieve?

pvt

Paul_Varjak

marc1642 wrote: »

If two people have a joint cheque account (one that says ''Mr & Mrs'' on it) what happens if one of the couple becomes incapable of providing their signature, through illness? Is it illegal for one of the couple to forge the incapable partners signature whenever they write a cheque?

What is the illness? Is it just temporary? Are they mentally capable of providing authorisation?

Before my mother came so disabled that she could no longer provide a signature, she wrote down a signature (on a day she could write better) and I went to Staples and had a rubber stamp made.

Agreements were then made with the bank and her credit card provider (it was before chip 'n pin) so that she could use a rubber stamp in place of her signature.

Some outlets were not happy about her using a rubber stamp, so we then got a letter from the credit card company saying that a rubber stamp was acceptable.

pvt

Paul_Varjak wrote: »

Agreements were then made with the bank and her credit card provider (it was before chip 'n pin) so that she could use a rubber stamp in place of her signature.

And were the bank and credit card company happy for you or your father to use the rubber stamp "on her behalf" and without a PoA?

jonesMUFCforever

First time poster - ridiculous question meed I say more?

Troll alert!

Paul_Varjak

pvt wrote: »

And were the bank and credit card company happy for you or your father to use the rubber stamp "on her behalf" and without a PoA?

My mother used the rubber stamp herself. I did also have POA so could sign cheques on her behalf anyway.