Age and pensioner status do not of themselves place guarantors in a position of special disadvantage sufficient to ground unconscionability. Receipt of competent independent legal advice, combined with the lender's lack of direct dealings with and notice of any disadvantage of the guarantors, is a complete answer to claims of unconscionability and injustice under the Contracts Review Act in family guarantee cases. Relief under the Contracts Review Act will not generally be granted against a party who was not responsible for and had no notice of any unfairness.
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