[firedawg]

Sbr lawyers chime in

Long story short
About a year ago I went to co sign on an automobile for my oldest son (against my better judgement)
I did provide my social at beginning of deal
Half way through the process I was called into work for an emergency
I NEVER signed for the loan
My son got a car
I later asked him how he got the vehicle and he said they did the deal with him only

5 months later he totals the car
Turns out he did not purchase gap insurance which I would of never allowed
So I get certified mail 3 months ago from an attorney coming after me as well
I had provided signatures, a police affidavit, and my statement to the loan company explaining I did not sign
So today I go to court over this disaster
Am I liable even though I did not sign?
Does not seem right to me


Thanks

[Big Bear]

Sbr lawyers chime in

Long story short
About a year ago I went to co sign on an automobile for my oldest son (against my better judgement)
I did provide my social at beginning of deal
Half way through the process I was called into work for an emergency
I NEVER signed for the loan
My son got a car
I later asked him how he got the vehicle and he said they did the deal with him only

5 months later he totals the car
Turns out he did not purchase gap insurance which I would of never allowed
So I get certified mail 3 months ago from an attorney coming after me as well
I had provided signatures, a police affidavit, and my statement to the loan company explaining I did not sign
So today I go to court over this disaster
Am I liable even though I did not sign?
Does not seem right to me


Thanks

No sir, if you did not sign then you have nothing to worry about.

just a heads up though dress nice and comb your hair.

Once I got kicked out of court for showing up in gym shorts

[MinnesotaFats]

Are you 100% positive your son didn't forge your signature at the time you left?

If they don't have an actual document with your signature on it then you should be able to get out of this mess, however, if they do have a doc, even just one, then the case shifts to one of 'human error' and not contract law. They will say that both parties intended to do this deal, you provided information and a signature, and some error in clerical work accounts for the lack of multiple signatures.

Worst case you will have a judgment for the loan less the salvage value of the car, and it'll knock your credit a few points.

[firedawg]

No sir, if you did not sign then you have nothing to worry about.

just a heads up though dress nice and comb your hair.

Once I got kicked out of court for showing up in gym shorts

For some reason I think this is false
I do not trust these fukks

[firedawg]

Are you 100% positive your son didn't forge your signature at the time you left?

If they don't have an actual document with your signature on it then you should be able to get out of this mess, however, if they do have a doc, even just one, then the case shifts to one of 'human error' and not contract law. They will say that both parties intended to do this deal, you provided information and a signature, and some error in clerical work accounts for the lack of multiple signatures.

Worst case you will have a judgment for the loan less the salvage value of the car, and it'll knock your credit a few points.

I did ask
I was provided a digital signature
I never signed
These fukks are ruining my credit also
I forgot to mention that

[MinnesotaFats]

You gave them a digital signature?

Game over... try to settle for less- 60 cents on the dollar in 1 cash pmt or get some more favorable terms

I own a chain of payday loan stores, do this all the time. 1 signature = intent & good faith contract

[firedawg]

You gave them a digital signature?

Game over... try to settle for less- 60 cents on the dollar in 1 cash pmt or get some more favorable terms

I own a chain of payday loan stores, do this all the time. 1 signature = intent & good faith contract

No
I didn't give them any sig
When I requested to see where I signed
They sent a document with my initials digitally signed

[Big Bear]

oh snap a digital signature?

like a docusign?

hmmm

I wouldnt say game over. I’m in sales and I have my customers do a digital signature at the time of purchase but then I don’t get commission unless the installer collects a physical signature

so I think companies want that physical signature often to not leave any grey area

whatever happens it will be okay. Think positive.

[MinnesotaFats]

No
I didn't give them any sig
When I requested to see where I signed
They sent a document with my initials digitally signed

That's called a docu-sign

Very common in R/E transactions today

They are legally accepted, however, there should be at least one page with a full signature (even in digital form) is provided. The initials by themselves next to a bunch of numbered boxes and paragraphs should not constitute evidence of a contract unless there is some section of that note that states your identity and is followed by a full signature- even a docu-sign version

In addition, if you believe they faked that document, you could ask for verification of the original docu-sign. Upon completion of those docs they are instantly e-mailed to the parties involved. That time stamp, or lack thereof, might be enough proof to get you off the hook.

[jjgold]

It’s a tough call but you got a hold strong here guy don’t let them bully you

[firedawg]

Only thing I signed was consent to check my credit for co sign purpose
That's it
I should of never got involved
These crooks might piss me off and I'm liable to wait outside the court house to smash a fool

[firedawg]

It’s a tough call but you got a hold strong here guy don’t let them bully you

JJ
Nobody backs me down pal

[kidcudi92]

Morono check in

[A Quant]

Why are you going to court without an attorney, to square off against professional attorneys?

That is a negative ROI.

[firedawg]

Why are you going to court without an attorney, to square off against professional attorneys?

That is a negative ROI.

I don't know if I need one?
This is all new to me
And I didn't sign shit

[Chi_archie]

whatever you do

don't let them get away with it

don't get bullied

be tough

if you need to dish out street justice because the court doesn't give you justice

I think we all expect you to do that for yourself and your son

[mikejamm]

Good luck FD! If you didn’t co-sign, I’d fight those sob’s til the bitter end! Definitely sounds like they’re trying to scam you on the hook for the loan along with your son. Did he not have full coverage insurance, which is usually required for most auto loans?

I wouldn’t do the “street justice” thing. The last thing you need is an assault charge. Even if you say something to them about physical violence, they can get you for terroristic threatening.

Handle it legally bro. You do have rights when it comes to finance contracts.

[firedawg]

Good luck FD! If you didn’t co-sign, I’d fight those sob’s til the bitter end! Definitely sounds like they’re trying to scam you on the hook for the loan along with your son. Did he not have full coverage insurance, which is usually required for most auto loans?

Yes
But no GAP

[RangeFinder]

Make sure you let them know that digital signature was for a credit check and not the contract for the loan. I think you need to talk to uour son and ask him exactly what took place the day he was approved for the loan. Very strange that all of the sudden the bank or whoever was processing the loan didn't require a co sign. Somebody forged those docs and you need to find out who.

[RudyRuetigger]

let us know how it turns out bro

[firedawg]

let us know how it turns out bro

2pm court
I will

[d2bets]

They must have filed a lawsuit and attached everything. Read it all front to back. Is there a digital signature in the spot for the loan? Did you sign the same page as your son did?

And you don't just handle it by standing in court and explaining. You need to file a written answer to the complaint and then you can include the fact that you didn't sign as an affirmative defense.

[firedawg]

They must have filed a lawsuit and attached everything. Read it all front to back. Is there a digital signature in the spot for the loan? Did you sign the same page as your son did?

And you don't just handle it by standing in court and explaining. You need to file a written answer to the complaint and then you can include the fact that you didn't sign as an affirmative defense.

I submitted a statement to the court a few months ago
Then I got the court date
The paperwork they submitted with lawsuit has my initials digitally signed
Nothing more

[SEAHAWKHARRY]

Good luck dawg hope you win

[d2bets]

I submitted a statement to the court a few months ago
Then I got the court date
The paperwork they submitted with lawsuit has my initials digitally signed
Nothing more

What did you submit? Did the other side file a reply?

How about try "I didn't sign on the line, so I don't owe a dime".

[firedawg]

What did you submit? Did the other side file a reply?

How about try "I didn't sign on the line, so I don't owe a dime".

I submitted a statement to the court saying I didn't sign
Then I got a court date in the mail a week later

[cincinnatikid513]

you didn't hire marino with his great ncaab record he would be a sure thing in court

[TheMoneyShot]

I submitted a statement to the court a few months ago
Then I got the court date
The paperwork they submitted with lawsuit has my initials digitally signed
Nothing more

Wish you luck Dawg... but if the initials are digitally signed... who else would of done it?

Is this a simple small claims court case? Or are you going to have an attorney present with you?

Somehow the plaintiff got their hands on some proof that you agreed to the contract.

[firedawg]

Wish you luck Dawg... but if the initials are digitally signed... who else would of done it?

Is this a simple small claims court case? Or are you going to have an attorney present with you?

Somehow the plaintiff got their hands on some proof that you agreed to the contract.

Bro
It was the dealer
A simple kw on a signature line not in my writing
How the hell am I liable?
That's why I'm going to court
It's bullshit

[Sam Odom]

take Kurt Lauderdale with you... he is a bad ass and will take care of you in court

GL

[shadymcgrady]

If you're going to court then what happened no longer really matters, it's mostly a formality at this point. Seek legal representation otherwise the attorneys on the other side are going to start salivating and licking their chops

[firedawg]

take Kurt Lauderdale with you... he is a bad ass and will take care of you in court

GL

He's out of FREE PLAYS

[RangeFinder]

whatever you do

don't let them get away with it

don't get bullied

be tough

if you need to dish out street justice because the court doesn't give you justice

I think we all expect you to do that for yourself and your son

Don't ever take the law into your own hands. Not anything good comes from it.

[MinnesotaFats]

The docu sign documents should have a time stamp somewhere when they were completed. If not your fraud defense has a fighting chance

If the docu sign documents don't have at least one page that identifies you, your address, your personal information and the note itself with a full signature (name spelled out, even if it is electrically done) then your fraud case improves to a coin toss

If you can prove, by way of phone records, you were called away for this emergency and those phone records show you have left say, 30 mins or an hr before the document was signed (again, time stamp important here) then you have 3 viable proofs of fraud and 3 is key to defense!

[A Quant]

Any court order to appear usually explains to you that you should/could have legal representation.

I'd ask for a continuance to get yourself an attorney.

The plaintiffs are not coming there to settle--- they are getting 150+/hr to bury you to the wall, and they wouldn't be there if they didn't have your signature (or someone signing for you).

GET AN ATTORNEY.