Request for information
The lender must give the customer certain information related to credit agreements in their name.
If requested, they must share with the customer a ‘true copy’ of the agreement, related documents, and a statement of account. Lenders sometimes provide a ‘reconstituted agreement’, which has not been signed, instead of a ‘true copy’. An agreement may be invalid if it is not signed. However, a court may rule in the lender’s favour if they later provide a signed agreement.