Speaking of signing one’s H’s or W’s name, the banks typically won’t talk on the phone to someone who is not on an account (e.g. a mortgage) even if you are the one who always makes the payments. Sometimes I have had to impersonate H on the phone in order to get someone to answer a question about one of their rental mortgages. The rules are stupid if all I have to do is say that I’m him.
Yep, I once told a Comcast rep that I was Fred (not my h’s real name). I figured they could either call me a liar or deal with me and get the matter settled. If they had to wait for my dh to call them, they would still be waiting.