i have a suspicion that my other half on a mortgage is trying to forge my signiture to take my name off the mortgage.
if this person has does so can the authorities tell whether or not its genuine, even if they have done a good copy as they no my signiture.
2007-02-20 08:35:25 · 8 answers · asked by Anonymous in Business & Finance ➔ Renting & Real Estate
usually if a person is to be taken of the morgage it has to be signed infront of a witness ie solicitor, so I doubt he will hae signed it as you would have to be there
2007-02-20 08:41:00 · answer #1 · answered by crazyicklepwincess 3 · 2⤊ 0⤋
Usually the other half would not be able to take a name off the mortgage as both are responsible. They would have to refinance in their name. Usually changing from a joint mortgage to a single would require some sort of notification. Call the bank. You need to find out what is going on. If you are the legal spouse, even if they do take your name off the mortgage. You are entitled to half of all property owned.
Mortgage paperwork usually requires you to get a notarized signature. Obviously if the notary did not require identification they too could be in legal hotwater.
Start with the bank. You need to find out what is going on rather than just a suspicion.
2007-02-20 16:46:29 · answer #2 · answered by Wicked Good 6 · 0⤊ 0⤋
call the bank and let them know what is going on. I think that they will reassure you that he cannot do it. He would probably need a court order to do that anyway. THe contract was between the bank and the both of you. The bank gains NOTHING from taking you off the note. They want two people to go after instead of one should a problem arise.
Doubt that he would be sucessful as he would at the very least need a notarized signature if you are not there in person to sign the documents. He will have a hard time getting THAT!
The burden of proof would be on HIM to prove that it WAS you.
Lets just say that he was sucessful, you would then have your call to the bank (request that they add this to your loan 'notes' on the computer) to alert them to the fraud and your name would very easily be placed back on the loan lest the bank would be afraid you would sue them!
Next time it is convient,
Casually mention to him about a 'friend' who got caught doing that and that since it was a mortgage it turned into a federal offense and the 'friends' husband did JAIL TIME!
If talking to him does not work, call 'time and tempature' and pretend like you are talking to a friend on the phone and have a converstation with yourself where your bring this up....say something to the effect of 'yeah I heard, the girl got 30 months in jail for trying to forge documents pretending to be the wife, (pause) yep she rolled over on her boyfriend and he got 5 years'....you can flow with it so maybe it will make him think that whomever he might be thinking to have stand in as you would roll on him too!
That should be enough to give him the wake up call that he needs to quit playing the games.
Contact a divorce lawyer. YOU dont have to file but be sure to tell him your suspicions so that this guy (attorneys make excellent witnesses) can say 'yes, mrs. so and so came into my office on such and such date and made me aware that her nogood sorryazz husband was going to try to pull something like this'.
That should convict him if needbe and at the very least it gives you a great case.
DOubt that calling the police would be helpful as he has committed no crime as of yet.
2007-02-20 16:40:43 · answer #3 · answered by lisa s 6 · 2⤊ 0⤋
Not sure here, but I assume as you have half the mortgage you are also co-owner of the property. To get taken off the mortgage your other half would have to buy your half of the property. I can't see that happening with a forged signature and no other proof such as a notary, solicitor, attorney or whatever.
But to be safe and sure, express your concerns to the mortgage lender or bank. They will assure you of what is required to complete such a transaction and will also be forewarned. Then if the other half tries something, you can call in the police.
2007-02-21 18:34:03 · answer #4 · answered by Peter the Great! 2 · 0⤊ 0⤋
First of all, your signature is not required to pay off a mortgage. In fact, you cant be taken off one at all.
The mortgage has to be refinanced in order to be changed. If your name is on the house, you would have to deed it. He cannot forge the signature unless he has someone notorize it as well-- and a notary is required to check ID when notorizing a signature-- that's the requirement. You can sue if they don't.
2007-02-20 16:53:38 · answer #5 · answered by Anonymous · 0⤊ 0⤋
you need to be there in order for him to do this!! no if ands or buts about it!
2007-02-20 16:46:46 · answer #6 · answered by simplysweetwomen 3 · 1⤊ 0⤋
FILE A POLICE REPORT BEFORE YOU DO ANYTHING ELSE.
YOU ARE A VICTIM OF FRAUD!
2007-02-20 16:40:51 · answer #7 · answered by charlotte q 2 · 1⤊ 2⤋
get rid of him if he does that
2007-02-20 16:55:45 · answer #8 · answered by agropelter 3 · 0⤊ 0⤋