Captain-Justice
Banned
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the facts are that there is no amendment and no fraud the real question relates to a cooling off period - which is a right I am supportive of in consumer credit agreements of this nature, and I believe a free market actually produces
Cooling off period don't apply in this case as no direct marketing was involved.
CPA
S16(3) A consumer may rescind a transaction resulting from any DIRECT MARKETING without reason or penalty, by notice to the supplier in writing, or another recorded manner and form, within five business days after the later of the date on which—
(a) the transaction or agreement was concluded; or
(b) the goods that were the subject of the transaction were delivered to the consumer.
The issue at hand is fraud and misrepresentation by an employee as it nullifies the agreement. It's common knowledge in Labour Law that the employee is a representative of his employer and the employer can be held liable for actions of the employee. Simple.
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