Baccheus
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Oh boy, this gets ugly. He committed fraud. You have to write to the mortgage company and explain that you did not agree to be part of the loan, you have not agreed to make payments on the loan, and that you receive no benefit from the loan. Tell them that any communication to them from any person claiming that you agreed to take any responsibility for the loan was inaccurate and if they have any record of your signature they should send a copy of that signature because it would be evidence of fraud committed against you. Possible outcomes might include 1) the mortgage company saying OK, parents as co-signers are enough; in which case bf is merely pissed with you, 2) the mortgage company says no, you signed; in which case you need to start a long legal procedure that might save you from personal bankruptcy, 3) they pull the loan; in which case your bf loses his house and hates you 4) they report bf for fraud and he possibly goes to jail.
btw, all of these possible outcomes probably mean the end of the relationship. That's a good thing. The man is untrustworthy and certainly unworthy of a self-sufficient, self-confident, thinking woman such as you. |
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The Reverend Soleil
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If you didn't sign it, it's not legally binding -- particularly if you're not married.
I'd call the loan company and have a little chat with them, before any of you all get into serious trouble. |
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street love
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fraud forgery sue |
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SmartA$$
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Start by contacting the bank that the loan is through. Tell them you just found out about this and you want their help to take your name off of the loan and remove all records of it on your credit report.
You will probably have to file a police report. This report will be your best tool to help clear this mess up, the bank will probably want a copy as well as the credit agencies when you ask them to remove the item from your report.
You should also contact his parents to let them know that you just found out about this and you believe that their names are also on the loan.
Your ex-boyfriend will be arrested for loan fraud and you may be asked to testify and/or give a statement about what you know about the case. |
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bic
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yes pay more attention to your financial business. take control of your life. why is he still your boyfriend after decieving you like this? He'd be an ex quickly. |
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Brenda
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Call the lending office and tell them. |
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Angela
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Well you need to contact the place that the loan is at and tell them that you did not sign and that their documents are illegal. It's their responsibilty to make sure something like this doesn't happen. It's the bank fault 100%.
Also perhaps you misunderstood. This stuff just doesn't happen. Usually it requires a lot more than just a signature. |
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Marysue
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Sounds like fraud to me. You’re going to have to file charges against him to get off of this loan. |
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WeAreAllHypocrites
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you need to see a lawyer fast. You are legally responsible for that house. I highly doubt the mortgage brokers accepted a loan without a signature, so I am sure he forged names. He is not to be trusted. |
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Honey Suckle
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Kick his ***!!!
Seriously i would do the same. |
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Sparty
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Yeah, dump this clown. Is your communication with him so dysfunctional that you can't tell him you don't want to be a co-signer?
Sounds like a relationship on thin ice. |
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JM
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do you know where the loan is through, you need to call them immediately and tell them you did not consent for him to sign. i've never in my life heard of implied consent on a loan. that sounds ridiculous. |
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btomaselli
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Contact a lawyer and the police. What he did is called fraud and he'll be going to jail. But only if you press charges. |
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jef XD
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sue his asss! |
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Real Estate Guy
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Has he settled on the house yet or does he just have a contract to purchase and is waiting on the final loan approval.
When you purchase a house and have a mortgage, NO ONE can just sign for you. Either you have to be present at settlement and sign the papers OR!!! you give the other person a power of attorney (which is a legal document).
If he hasn't settled, then you are not in trouble. If he has settled and forged your signature, then HE IS IN BIG TROUBLE.
On a side note. You are almost 21 and based on your other posts, your life is a mess. Between this boyfriend and your parents, they are sucking you down. I would recommend that you grow up and stop depending on others. You have a totally free ride to college. Learn to stand on your own two feet.
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acermill
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Oh my. He's full of it up to his ears. There is no such thing as 'implied consent' with contracts. He can't sign for his parents either, unless they gave him a properly executed power of attorney allowing him to do so.
Nonetheless, he sounds shady. You might want to verify with the lender that you are NOT a signatory to this contract. He MIGHT have forged a power of attorney document for the lender.
Best to check it out now, so that the situation is clearly resolved if he defaults on the mortgage. |
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DaveP
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You are not legally responsible for a loan if you didn't sign the papers. But guess who bears the burden of proving you didn't sign it. You. You should seriously rethink your connection to this guy. |
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Judy1
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Contact the lender. No he can NOT sign for you - or for his parents - without written power of attorney, which I sure hope you didn't give him
The lender also apparently had a part in this illegal scheme, so you might need an attorney to help you sort it out. Fair? Of course not. But reality. |
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Rachel
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That isn't ok. I wasn't able to go meet with the mortgage broker, so they sent the forms home with my husband so I could sign it and then he took it back. They didn't let him sign for me...that defeats the whole purpose of a signature! I bet your bf said he would take it home for you to sign; then signed it himself, and took it back in. That being said, contact your real estate attorney and find out what to do about this. Then, dump this guy because he is shady. |
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golferwhoworks
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there is no such thing in any state. He would have had to have some one impersonate you or have you sign in front of a notary a specific power of attorney for a real estate closing of any kind even that is rare.
If this loan has been executed and filed in the court house then you need to call the FBI but go to the County record of deeds office to make sure he isn't a liar. You do not need a boyfriend like this *** |
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notyou311
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Report it immediately to the bank or whomever gave him the loan. You could be stuck for thousands of dollars if you do not get your name off this loan. You may have to take him to court.
Your BF is a scammer. Leave the relationship now. Never, ever give your soc. sec. # to anyone. |
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jdctazman
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Implied consent is not valid in a "real contract". Unless you signed the documents with the mortgage company you cannot be held liable for this contract. Silence is the worst action you can take. You should immediately call the mortgage company and adamantly express that you did not give permission to be indicated on this loan. Implied consent is typically used in DUI cases or tresspassing cases.
(by accepting the privilege of driving you give implied consent that you will obey the driving laws). |
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His Angel
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I work for a Mortgage Company...
All you have to do is call them and ask them for the procedure to dispute your name being on the Note. If you are only on the Mortgage (deed), you are not liable for the loan. the Mortgage NOTE is the one that you do not want to be on. Ask them for the Research/Dispute dept and write or fax them a letter. they will look into it for you and follow procedure to have your name removed. If you did not sign, you have nothing to worry about. |
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JoelKatz
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Wow, I'm amazed that someone could get a home loan without the originator wanting to actually talk to the cosigners and witness them signing.
His "implied consent" nonsense is, well, nonsense. There's a reason they want you to *sign* the loan. Home loans have complex terms that have to be understood by the people who sign them.
What State are you guys in? The laws and what you have to do vary by State.
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reenzz
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You BF is an idiot...and obviously believes that you are too. No...you are NOT on the loan. He can NOT sign for you unless you gave him a written and notarized Power of Attorney. |
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luzerlarry1
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you didnt sign loan, i asm guessing you not responsible. I would call or better yet talk to place where loan was made. LEAVE THAT SO-Called boyfriend, he manipulates i can tell. |
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infinite crisis 247
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there is no such thing as "implied consent" when it comes to loans. there is "power of attorney" and even that would not apply in this case. if you know who the financier is...i would be calling them today and telling them that you did not sign for this loan. his parents should also be doing this as they are in the same boat as you right now. i would also be contacting an attorney, as the loan company should have never accepted his signing for you (as that is technically illegal). as it stands right now though, if you are on the loan, you are responsible if the mortgage doesn't get paid. take action now. |
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iRule
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Hire an attorney/lawyer and get a professional opinion on that matter
The website I have put in my source box contains a free number to ring and get from legal advice on debts, credit and housing problems.
Hope I've been of help. |
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W. K. P
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He has no authority for what he has done with the loan. At this moment you should sever all contact with him (move out quietly) and ARREST HIM FOR FRAUD. |
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sarahs
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ouch! what a guy! go talk to the bank where he got loan from and explain what happened. if he has already bought the house then i think he needs to find someone else to put the loan on or he's gonna lose it? |
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lremmell64
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No in order to sign for you he would need a legal document (I think it is called a "power of attorney")that states that he could sign on your behalf.
If you do not want to be on the loan then you have 3 business days to cancel the transaction (by law). Send in your cancellation and that your boyfriend signed without your consent.
If that doesn't work get a lawyer and sue him for forgery (forging your signature very illegal) |
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