A trial judge's finding of an oral loan agreement may be upheld on appeal even where the judge found the plaintiff forged a written loan agreement and gave false evidence about it, provided the judge properly took the falsity into account and the finding was consistent with the objective probabilities. Where a loan has no agreed term for repayment, the debt is immediately payable upon creation of the loan. A ground of appeal alleging miscarriage of justice from counsel's incompetence in civil proceedings requires evidence that counsel was adequately instructed.
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