100 points wealth reward! My father went to the bank for a loan and used my mother's ID card. My mother didn't know. Now that my father is dead, do my mother and I have to pay back the money?
First of all, the bank is at fault and the loan must be signed by the borrower himself. Secondly, the loan did happen. So in practice, you still have to repay part of the loan. Maybe you think your father has no inheritance, but in fact your family's property belongs to your parents, and your house is at least half of your father's, so the bank will recover the creditor's rights from your father's property. However, you can ignore debts that exceed your father's total property. If the bank enforces it, you can complain to the CBRC first, not to the court.