It is legally valid contract
2) you have accepted the contract
3) you should have taken copy of the contract signed by you at time of signing of contract
4) unless you had taken a copy how can you say contract had been tampered with
Should a contract be signed on all pages for it to ve legally valid?
I entered into a loan agreement with a NBFC in 2019. There are 13 pages in the loan agreement. I have just signed the first and the 13th page. At the end of every page there is a line which says that I have read that page and understood the contents, and my signature on the 1st and 13th page is cumulative acceptance of tge contents and clauses in all the thirteen pages. In 2019, They said it was not required for me to sign on all the pages in a printed contract. Now my question is.. 1. Is it still valid if my signatures are not there in all tge pages. 2. If I sign on just the first and last page, does it amount to cumulative acceptance of all the 13 pages in court or can I question the validity of clauses in the intermediate pages on the grounds that I gave not signed it? 3. Originally, it was in the form of a booklet, now the scanned copies given to me is in the form of loose single pages and it is obvious that they have dismantled the booklet into loose single pages. If they replace a few pages with clauses or lines replaced by lines/clauses favourable to them, how will I know as the copy given to me arrived 2 months later. 4. I suspect tampering to have happened in EMI amount and tenure in the schedule sheet which is also not signed by me. How can I prove it in court as they have only given me xerox copies and the original is with them. 5. Can the absence of a "yes"signature at the end of each page be construed legally as acceptance or as a "yes" just because a clause is inserted at the end of every page that I have read that page and I subscribe that my signature on the 1st and last page is cumulative acceptance of all the contents in all the unsigned pages. 6. What is the legal validity of a physical document signed in tge 1st and last pages that refers to invalid entries in the schedule wrf to EMI and tenure to give the lender a right to change/alter the terms and conditions at a later date unilaterally during the period of the contract?
Asked 11 months ago in Criminal Law
Religion: Hindu
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4 Answers
1. Of course the signature on the last page of the loan agreement paper clearly indicate that you understood all the conditions for this loan hence this loan agreement can be interpreted to be legally valid when it comes for argument before trial court.
2. Since you admit that the agreement contains 13 pages and that you have signed the first and last page, hence there is no question of insertion of any different page whose conditions affect this loan agreement, hence it can be understood that is a cumulative acceptance.
3. This is a matter of argument, you can very well question the complainant during cross examination and extract the truth or false nature of the allegations leveled in the complaint.
4. You can demand the production of the original loan papers and verify the same from the photocopies given to you and question the veracity during cross examination.
5.See the answer given in 1 and 2 above which suits this question too.
6. It is once again the matter trial and argument. You can rely upon the documentary evidences in you possession to nullify the allegations, if you have any
Not necessary but it is a procedure it’s important to sign on last page but many a times some internal pages may not be changed so it’s advisable to do the same
1. Yes, as you have signed on the last page No.13 which is final declaration of the agreement.
2. Yes, even this agreement is valid , and sign on each and every page is not necessary.
3. You can raise this issues
4. You can take this ground before the court
5. If all the pages are of one agreement , then the said two sign is admissible.
