Ex-wife took out loans by signing on behalf of estranged husband...advice please!

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Basic details...

Couple married for over 2 years (both have ex-spouses) receive notice from a debt collection agency that they are being pursued for over £10k. THis is the first they have heard of it.

After much harrassment of said debt collection company, they garner information about the loans (4 in total) and there seems to be incostistence information on the file. They will not say whose name the loans were taken out in.

Finally managed to write to appropriate person to request full disclosure of all of the facts.

It looks, for now, like husband's ex-wife has taken them out in both names...whilst they were still married but separated.

Does anyone have any advice??!!

I have faith in MN!!

Police. It's fraud.

to be taken out in both names both people need to sign for the loan. If ex-wife has signed on behalf of husband then it is fraud. Write to loan company and explain situation and then get in touch with police

The problem might be proving that she signed fraudulently as she apparently used to sign his signature for loads of things

THe debt collection company said that they can pursue either signatory (or not in this case!) for the funds.

Still fraud. If he didn't sign it, it's fraud! Her defence would be "I used to sign his name on lots of legal stuff."? No, report to the police that you believe you are the victim of identity theft as a loan has been taken out in your name that you have NOT signed for or agreed to. Let them find out from there.

If he hasn't signed he has nothing to worry about, most debt collection agencies use underhanded tatics, your friend needs to send them a letter stating he does not acknowledge the debt and asking them to provide a copy of the original signed agreement. It is very unlikely thy will be able to do this. If it is a debt collection agency and not the original lender who is pursuing the debt it is likely they have "bought" the debt for a few pounds.

also agree with informing the police though. It is fraud.

Okay, thanks.

I htink it was more the fact that they would be able to produce other documents with the same signature, as she did the signing on mot things.

If it's not his signature, it doesn't matter how many things she signed!

why the hell did he let her sign for things in the first place? Are you sure he wasn't happy for her to take out this loan?

Yup, very silly indeed! I am pretty sure that he had no knowledge of this.

Oh, and that was 'most' things...not 'MOT' things...

Oh well, one for the police...