have asked the above
You will alreadyreferred this to the police and presumably the X is going to be prosecuted forfraud.
Your wife has noliability for the loan and it all comes down onto the X's toe assuming that thecourt is satisfied that this is indeed forgery. If he is convicted, it is verydifficult for the lender to wriggle out.
If he is notconvicted, the lender may still not necessarily be able to enforce the loanagainst your wife. That is because the burden of proof for a criminal matter isbeyond all reasonable doubt for a civil matter, it is on the balance ofprobabilities (51%).
Your question is "wecan we do".
Report it to thepolice.
Report it to thelender
give them both theletter from the X.
Can I help further?
the lender sent us the letter sayin that it was foged according to there records and telephone conversations
Do you mean the letter from the ex (saying that the signature was a forgery) is itself a forgery, or do you mean that the signature was a forgery and they acknowledge that?
What else would you like to know?
no the letter from the lender told us the original application from him contained a forged signature of the joint mortgagee which is my wife