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Possible identity theft - loan applications made on behalf of someone else ?

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Friends of mine (honest) have a joint account and they are adamant that at least two personal loan agreements, purportedly signed by them, bear forgeries of both their signatures.

 

The bank in question have supplied a copies of the loan agrement, and the signatures do look feasible. Copies of both passports were attached to the loan applications.

 

Having worked for a major bank myself, I know that we did not normally require copies of passports when personal loan applications were made PROVIDED:

 

- we had already got all the usual KYC information on file,

- the customers were both physically present,

- the signatures were correct and,

- most importantly, we would always ensure that the loan drawdown /

proceeds were credited ONLY to the account of the borrowers.

Question: Would a bank allow one joint account holder to go into the branch with an application form pre-signed by the other party when the account requires both to sign ?

 

PS: sorry if this is the wrong forum to ask.

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Hi,

 

I am not an expert but when we got a joint loan with our bank a few years ago, because OH could not come in to the branch I took the agreement home and he signed. The money did go into his account though.

 

HH

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I think the question is which account did it go into, normally it would go into either the joint account or worst case scenario the account of one of the parties of the loan.


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Thank you both, your info, HH, was particularly helpful. Bank statements have been mislaid / intercepted and it is likely to end in tears.

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I would certainly demand from the bank as to which account it was paid into. When did they take out the loan. Can they go online and check their statements there.

 

HH

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Thank you both, your info, HH, was particularly helpful. Bank statements have been mislaid / intercepted and it is likely to end in tears.

 

They could always SAR the a/c to see whether it had been paid in.


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