My name was used without my knowledge as a guarantor for a loan, and fake documents were provided. Now, the loan is overdue, impacting my credit score. Should I go to the bank directly or seek legal advice first? What’s the best initial step to take?

You should immediately seek legal advice from a lawyer specializing in consumer protection and banking law. They can help you assess the situation, advise on your legal rights, and guide you on how to proceed with the bank, potentially challenging the loan agreement based on fraud and forgery.