Very simple: any contract between a financial institution and a third party is rescinded and null in whole if the third party was represented by someone else, w

Very simple: any contract between a financial institution and a third party is rescinded and null in whole if the third party was represented by someone else, without power of attorney. Full stop. Burden of proof on the bank to ensure this. They already have a huge apparatus in place to verify creditworthiness and identity. Any attempt to collect once such a complaint is filed should be illegal before it is resolved.