Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
Hello and thanks for your question. I am a licensed attorney and will be happy to help.
The specific problem you are facing is unclear from the question, so I'll provide a response based on the information provided. If I if you need more, just let me know.
Contracts, generally, need to be signed by both parties. For instance, if Tom and Joe scribble a contract on a blank piece of paper, both signatures will be required for enforceability of the contract were there would be no evidence that both parties agreed to its terms.
In contracts between a commercial lender (such as a car dealership or bank) and a consumer, it's a bit different. The lender's actual signature is not necessarily required. This is because the necessary contract terms will often appear on the lender's preprinted form or letterhead, thus showing that the lender intended those times to attach and intended to be bound by a the agreement. In such cases, the contract is enforceable even though no actual signature appears on the empty signature line.
If you are unsure as to your rights and responsibilities in a particular contract, especially if the lender is making demands that you don't agree with, it's definitely a good idea to revisit the the written document for confirmation. If you do not have a copy of the agreement, the lender should provide you with one. When people fail to verify the accuracy of what they're being told by a representative of the lender, they often later find that the lender has overstepped.
If the effect of some of the terms or provisions in the agreement are unclear to you, let me know and I'll translate the gibberish for you.
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