A borrower who signs declarations of financial capacity in connection with a lo-doc loan and then fails to give evidence at trial cannot establish that the loan contract was unjust under the Contracts Review Act 1980, because in the absence of evidence the court will infer the borrower appreciated the risks and acted voluntarily. A solicitor's certificate to a lender does not impliedly represent that a transaction is 'suitable for settlement' in broad and absolute terms; any implied representation is limited to the specific matters the solicitor was retained to certify. The practice of 'white labelling' by solicitors — placing third-party logos on legal correspondence — raises concerns about potential to mislead the public.
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