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Hello thanks for the information, I am not on for long this evening but while I am here, can you tell me who forged your signature, what for and how you know this?
Hi Mia, Thank you for the information and apologies for the delay. I am going to look into this for you. Can you explain to me what the difference is between the documents that you sent and the ones which had been forged? Additionally what affect did the difference have on the situation you are in now. Can you also tell me when it was you discovered that the documents had been forged? Thank you.
Thank you for the information, what a situation! Firstly, keep on at the banks and tell them you are going to involve a solicitor should it not get sorted out, hopefully they make decide to move on this but keep at them. More importantly, despite you continuing efforts with the bank, I think legally you are going to have to pursue the company who forged the signatures, from what it looks like, they have altered your income so that you qualify for the mortgages so adjusted the documents accordingly. No professional acting reasonably would assume that you have made a mistake and just "forgot" to add a "1" on your salary figure. What you are going to have to do is instruct a representative. You can firstly, see if there are any financial expert at the local citizens advice who can help. However, it is likely that you will have to instruct a solicitor. You will need to present all of the evidence you have to them and build a case around your evidence. They will be able to make a claim against the company for the sums which you cannot reasonably be assumed liable for .
I hope this information has helped. You can find a local solicitor who deals with this on the law society webpage which is;
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That is something I did consider, and you may be out of time however, you get 3 years or 5 years to make a claim (depending on how the claim is classified), but, this rule can be set aside depending on when you reasonably became aware of the fraud. So for example if you only discovered that the papers were fraudulently singed last week then there is no way you could have Brough a claim before this time and the clock is reset. However, if you knew 15 years ago then sadly, yes you will be out of time. The courts view is "why didn't you complain when you found out"? This is to stop people pursuing money based on a historic fact. In relation to the bank it may sound odd, but they are not bound to any legal statute for how long they have to look at fraud, however, it is likely that they will follow the standard law that is why they are saying it is "too historic" because they will not be able to claim legal fees. However, you could say to the bank that you only recently became aware of this so it is still "in time" to be legally considered.
I hope this information has helped.
It would be 12 years from the date of the original shortfall, so the 3 months you were behind. This is under section 20 (1) of the Limitation Act.
Thank you, all the best moving forward.