In particular, the regulator points out that it is perfectly legal and proper for a bank that has lost the original loan agreement, or whose copy is illegible, to supply an accurate "reconstituted" version instead, to show that the agreement did in fact include the information specified by the Act.

BBC: Lenders warned not to mislead customers over debts

Many descendants sell or donate their letters and, seeking to keep a piece of their family legacy, copy the original.

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