We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
Ex forged my signature on a loan.
Help!!
My ex boyfriend took out a loan with a finance company in Jersey. The loan was for £25k.
He filled out an application and put my name on it. We had only been together for a couple of months and I did not agree to having my name on the loan. He didn't get my details right on the application. He got my date of birth and mortgage details wrong.
He then forged my signature on the loan agreement and it was witnessed without my knowledge or consent.
How can this be witnessed without me being present? Is this legal?
I found out about this loan 3 years later and asked to see the file. This is when I saw that the signature on the agreement was obviously not mine.
It took a police investigation to get my name removed from the loan.
Because I had not suffered any financial loss the case was closed.
I made a complaint to the ombudsman who offered a very small amount of compensation for inconvenience and distress.
Basically my ex has got away with this. He told the police that he had forged it with my permission. The employee at the finance company who witnessed said he did not know it was forged.
When I first complained to the company and told them it was not my signature, it was not looked into and I was basically told I was lying to get out of the loan. They said they had spoken to the employee that witnessed the signature and he ensured them that I was there in the room when he witnessed me sign! I was laughed at and told to hire a handwriting expert!
Eventually the employee admitted to the police that I had not been present when he witnessed the agreement.
I thought forging signatures was illegal? How can they get away with this? It's taken over a year to even get an apology!😡
My ex boyfriend took out a loan with a finance company in Jersey. The loan was for £25k.
He filled out an application and put my name on it. We had only been together for a couple of months and I did not agree to having my name on the loan. He didn't get my details right on the application. He got my date of birth and mortgage details wrong.
He then forged my signature on the loan agreement and it was witnessed without my knowledge or consent.
How can this be witnessed without me being present? Is this legal?
I found out about this loan 3 years later and asked to see the file. This is when I saw that the signature on the agreement was obviously not mine.
It took a police investigation to get my name removed from the loan.
Because I had not suffered any financial loss the case was closed.
I made a complaint to the ombudsman who offered a very small amount of compensation for inconvenience and distress.
Basically my ex has got away with this. He told the police that he had forged it with my permission. The employee at the finance company who witnessed said he did not know it was forged.
When I first complained to the company and told them it was not my signature, it was not looked into and I was basically told I was lying to get out of the loan. They said they had spoken to the employee that witnessed the signature and he ensured them that I was there in the room when he witnessed me sign! I was laughed at and told to hire a handwriting expert!
Eventually the employee admitted to the police that I had not been present when he witnessed the agreement.
I thought forging signatures was illegal? How can they get away with this? It's taken over a year to even get an apology!😡
0
Comments
-
Also, I have not accepted the compensation, so not sure what to do next.0
-
It's now an internal matter for the bank. The loan is off your file and you have suffered no loss. The fraud is against the bank, not you.
It's up to you if you accept the compensation or not.0 -
Take the compensation offered and move on.
And keep a closer eye on your credit file from now on - especially if you have any more relationships with similar characters."There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O S Nock0 -
Yes - be relieved that you have actually had this case resolved in your favour. Don't be a millenial now and expect to be getting loads of £££s for 'pain and suffering'. Move on.Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS0
-
Accept and move on is all very well, but I would be really peed off that no criminal action was taken in this case. It used to be a case of 'mind you don't get caught', now it doesn't seem to matter.I came into this world with nothing and I've got most of it left.0
-
Shakin_Steve wrote: »It used to be a case of 'mind you don't get caught', now it doesn't seem to matter.
Oh the bank will want their money back, it may take a while, it may take internal things to shift and move, but these things can take a while to catch up with someone...0 -
-
You are right, it's really not about the compensation, I never expected a lot. I just think is disgraceful. What's the point of having a signature? They also forwarded my private emails to the company on to my ex!
So it seems that anyone that can't get a loan in their own name can just add anyone's signature onto a joint loan and as long as they keep up payments, no one will ever know, and it's all legal and ok.
I should have kept an eye on my credit rating I know.0 -
-
I agree with you OP.
I had someone once put my name and address down as guarantor and presumably forge my signature for a TV.
I was contacted when they defaulted on the loan. I told them I knew nothing about it and they must have believed me as I heard no more from them.
I could do nothing as the person concerned had moved abroad and I had no idea where they were living.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 349.8K Banking & Borrowing
- 252.6K Reduce Debt & Boost Income
- 453K Spending & Discounts
- 242.7K Work, Benefits & Business
- 619.5K Mortgages, Homes & Bills
- 176.3K Life & Family
- 255.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 15.1K Coronavirus Support Boards