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Provident agreements - are they enforceable?


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My husband and I both have loans with Provident. We have looked at our agreements and noticed that they all have our signature, below that the agent's signature, then below that the witness signature which was the agent again.

Can anyone tell me please whether this renders the agreement unenforceable if the agent and the witness are the same person? I thought the witness had to be an independent person.

Thank you for any advice.

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