Annie inherited unit from grandparent and became the owner and registered fee simple.

Annie grandparent had sold part of the land to Mark for $20,000 and have a signed contract.

Annie took out a loan for 60,000 from a bank using the property as security.

Annie's friends forged her signature and took out a second loan of 40,000 from the same bank without her knowledge.

Annie Friend could no longer pay the loan and informed the bank representative she had a dealing with. The representative transferred the loan to his relative to cover up his wrongdoing.

Annie could no longer afford her repayment and decided to sell her unit and pay her loan. She later learns of the second loan and was advised to contact a solicitor for legal advice on her right and the rights of the other parties involves.

As Annie`s lawyer please write a memo advising Annie.