I had enough need advice.. from someone who knows about forgery..?
some years ago my husband sign for a house for his sister and her husband to use as a business like a home group, sense then our credit went so bad it's horrible, I found out that these people had forge my husband signature, and got a refinance with another bank, by the time I found out it was done! i look in to the loan documents and saw with my own two eyes that the signature with my husbands name was forge we didn't know about this until our credit show us who was the new bank and everything, a lawyer told us going after the bank that approved the loan with a forge signature would requiered lots of money, the document states that whoever sign that paper show the proper ID but it can't be being it wasn't my husband who sign.. what can we do? we are trying to sell the home.. is hard but is it real, is the bank responsable for approving this fake loan cant be held responsable at least for not checking who was signing that loan? do we hve a case?
Answers:
Press charges against his sister will be the only way to do it. You need to "PROVE" that this happened, and that is one sure fire way to do it. After you do this there will be many lawyers out there willing to take your case.
It's a form of identity theft that can be remedied. Contact your local bank and find out what steps are necessary to get the situation resolved. You most certainly have a case. The bank acted in a negligent manner.
Your are going to have to go to an Attorney, or go to the District Attorney to press charges. Hopes this helps .....
First try another lawyer. If the sister and husband are on the title as well was it legal to do the loan by just seeing maybe their ID (forged signature aside). Or do they need to have more than a simple signature if one of the owners is not present? Do they photocopy IDs?
Now if your husband was the sole owner... the bank said they saw ID? Well if the check was made out to him who cashed it and how? You said you were selling the house.. that would require their signature as well so maybe you are the sole owner?
Again... different lawyer. You said you saw the document so if it is clearly not your husbands a good lawyer should be able to submit enough examples (passport, social security card or whatnot) so the bank would settle before court.
A good lawyer would tell you this though.. if you start sueing the bank the bank will probably lodge criminal charges against his sister in order to cover their losses. And actually a lawyer will tell you want you probably don't want to hear. That in order to get the ball rolling and get anywhere in the fastest and cheapest manner possible it would be best that YOU file charges against them. Sounds like someone impersonated your husband so it would be your brother in law who takes the fall, not the sister.
More detail would be helpful. But you lose the money as selling a house right now is tough anywhere and maybe you can deal with the credit thing. But bad credit can cost you in every area of your life. You might want to get tough.. whats more important? People who ripped you off or your family?
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