Make it a specific criminal offence for lenders to retain money or assets when it has been proven that a loan was secured fraudulently, such as when someone has been convicted for securing a loan by using a fraudulent signature.
In the event that a signature is forged, a lender can pursue repayments from the person they believe to have signed the loan. To prevent repossession or court proceedings, victims often pay the lender. I believe existing laws are not sufficient and a specific criminal offence for lenders in these circumstances is needed.