... I don't understand what a fake driver's license would do for you? Oh! You mean you have their personal information and you want to get a loan in their name? Yeah, that won't work. You'd need their social security number at the very least, I think -- provided you're in the States, of course.Sometimes people get trapped in one course of action, because they made an initial mistake and they keep compounding it time and time again to avoid that initial one. Maybe that has something to do with it. Remove that difficulty for your friend somehow, and you may get your money back in a hurry. It's very hard to admit you're in the wrong: often just admitting it to yourself is hard enough, let alone someone else.They may also not have it. Stories of going out and spending loads aren't always reliable. For example, credit cards let you hang yourself and look like a bigshot, if you're into that sort of thing. For awhile it works... maybe that's all it is.