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If you filled out and signed a loan application form and got the money, what do you think? Of course you are in default. Your case will be even weaker if you have made payments, but have stopped paying (or missed a payment) at some point.

Of course if your bank has just given you the money without you ever *officially* requesting it, then you may have a point. Still it would amount to an undue payment to you, which at some point you will have to return. In this case however, you are not automatically held to the bank's (unreasonable) terms and conditions and interest rates.

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Q: Is a person in default of a loan if they were never sent the paperwork to sign meaning the bank screwed up and does not have a signed contract for a car loan?
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