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CCA / Prescribed terms questions

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I have received a statutory demand for a debt (personal loan) that was agreed and approved over the telephone. I have something in the back of my mind that there is an additional prescribed term that should be on the credit agreement in this circumstance. Am I imagining it?


Secondly, if I have received a credit agreement but not T&C for a CCA request made, will the court see the CCA as with complied with or not complied with by the creditor? Hope this makes sense?




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