forgery signature of my wife by bank as co-borrower in loan documents
3 years ago
Iam Dhiraj kumar having a personal loan of Rs 1216700 from Kotak mahindra bank.
Due to job loss i was unable to pay next 2 month EMI after moratorium end.
Few days before kotak bank employee called my father-in-law and told that i given his contact as reference which is totally wrong also told that my wife is co-borrower in that loan.
Later i checked loan agreement with bank and observe that in co-borrower section my wife signature is present but my wife didnt sign any document.
Also bank has asked my wife aadhar card and a photograph by saying that these documents are needed for KYC as i opted my wife as a nominee in policy (policy provided by kotak bank while availing loan and is part of loan amount).
Earlier bank sent me a email asking for some detail with some term condition in which it was stated that wife should be added as co-borrower. As it was on my official email so i didnt check it well and delelete email soon after sending email.
Now iam completely trapped by bank.
please help
Ayantika Mondal @ Prime Legal
Responded 3 years ago
Do you have the mail which asked your wife's aadhar card and photograph for KYC since you named your wife as a nominee? Or any other document which specifies the same?
Do you have any other document which proves that only you were the sole borrower of the loan, and your wife was only the nominee of your loan? Also, are you currently having the mail which asked your wife's aadhar card and photograph for KYC since you named your wife as a nominee?