If the lender doesn't know, it will bear the responsibility without the lender's signature:
1. You didn't sign at the lender, so you are not the repayment obligor.
2. If you don't sign at the guarantor, you won't undertake the guarantee obligation.
3. If the credit union is lax in examination and you don't sign, the issuing agency will bear the responsibility.
Suggestion: Look at the credit union contract and see if it is your signature, or if you are responsible for signing at the guarantor.
Two, credit cooperatives in the IOU without the lender's signature, the lender is responsible for the knowledge. ...
In principle, you can fight if you go to court. If I were you, I'd better check the attitude of the guarantor first. If you are sure you haven't borrowed it, call 1 10, which is faster. Deal with it as soon as possible After a long time, it will be bad for credit history and will be very troublesome.
3. I don't know how to handle the credit union loan.
Lenders lend money without knowledge and without the lender's signature, which should be the legal basis of no liability: Article 193 of the Criminal Law of People's Republic of China (PRC), the crime of lending refers to making up false reasons such as introducing funds and projects for the purpose of illegal possession, using false economic contracts and false documents, using false property rights certificates as guarantees, repeatedly guaranteeing beyond the value of collateral, or using other means, banks or other means, and the crime of lending is a financial crime.
4. Credit cooperative loans are not signed by the lender?
If the lender lends money without the lender's knowledge and signature, the lender is not liable:
1. You didn't sign at the lender, so you are not the repayment obligor.
2. If you don't sign at the guarantor, you won't undertake the guarantee obligation.
3. If the credit union is lax in examination and issues loans without your signature, then the credit union will bear the responsibility. Suggestion: Look at the credit union contract. Do you sign or do you sign at the guarantor? If it is not, it should not be responsible for the loan.