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I might be old fashioned. Lately I had to give an e signature cos I was buying online. And there are many versions. One is you sign on a tablet. One is you send a photo of your signature and they copy and paste on the document and send to you. One is you copy and paste your signature to a document and email to them Are all these considered e signatures? And are these legal meaning if I buy something that's the way forward? Sorry I noob. I only know signature is something you do with a pen. I also send photos of my credit card to an insurance agent who will then fill up forms electronically on my behalf. This one is my friend so I was ok with it. But is it done nowadays in real life? Or a dangerous practice?

My car loan finished earlier this year. After that, there is just no deduction from my bank account. But there is no official correspondence by the finance company, Hong Leong in my case. Is this the norm? Heard that last time, u also will get your Log card back? But now, it's all electronic right?

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Dear Bros, Please advice what documents/papers i should receive upon handing over my car to the buyer. A copy of his loan successful form? A copy of transfer of ownership paper? And what? Sorry, very new to this as this is the first time selling car to direct buyer and also because i sold my car thru a middle man broker and therefore not very sure what should i or should not receive. Btw, my broker told me that the cheque will only be release tomorrow instead of today as the transfer of ownership and for bank to clear my early settlement outstanding. In fact, the reset of asset PIN is done by my broker too as i hand over my IC to him for the reset to proceed (which i felt very unsafe to hand over my IC). However, when i checked OneMotoring the request of reset asset PIN was done thru LTA Channel. Does that mean it was done at LTA front desk? Would be be advisable to release the car first before i receive my cheque? Please advice!

Hi , going to ROM with GF coming month and according to website , came to know that both gotto go down ROM to verify documents. Any helpful bros who went thru the process can share with me the details??? As it is my first time going down, call me Gan Cheong spider because ROM website also didn't state very clear the details. Just for information sake , any difference when it is the first time or second marriage??? As they said, knowledge is power. Please share your experience ESP for those who went down ROM type . Thanks in advance cheers!!!

I recently bought an XC90 which to my knowledge, is a 7 seater. 3 in 2nd row (behind driver and front passenger) and 2 in 3rd row. But I noticed the LTA Notice of Transfer of ownership as well as the insurance policy states the XC90 as a 6 seater. Does this mean I am not covered by insurance when I hav 7 ppl in the car? Abit like how most taxis will not carry 4 passengers in the back seat (always claim insurance don't cover 5 passengers). Anyone who knows please help!

Documents that were submitted by Toyota to the National Highway Traffic Safety Administration in March and obtained by Automotive News reportedly show that Toyota knew of dangerous safety defects on its vehicles as early as February, 2006. The first documented issue was of a 2005 Toyota Prius that experienced floor mat interference with the accelerator. The company-supplied timeline reportedly shows that it received its first evidence of sticky gas pedals five months later, but Toyota claims that the defect was unrepeatable and couldn't be duplicated, and the automaker reportedly opted to "monitor the situation in the field." Since automakers are required to issue recalls within five days of finding a safety defect, the timeline documentation seems to validate NHTSA's recent $16.4 million fine levied against the Japanese automaker. Other documentation obtained by NHTSA and published in the Detroit Free Press includes an email from former Toyota executive Irv Miller to his superiors that shows that Toyota may have known about recall issues far earlier than the recalls were ordered. Toyota has two weeks to decide whether to fight the fine or pay up. NHTSA has been investigating the timeliness with which Toyota recalled the 8 million vehicles for floor mat and pedal sticking issues for several months.

Ex-Toyota lawyer says documents prove company hid damaging information By Deborah Feyerick and Sheila Steffen, CNN STORY HIGHLIGHTS Lawyer kept internal documents that he says could be damaging to Toyota Biller says he quit because of what he alleges were "criminal acts" by Toyota He said Toyota settled one lawsuit to avoid divulging information Los Angeles, California (CNN ) -- When former in-house defense attorney Dimitrios Biller resigned from his top post at Toyota, he walked out with something potentially more valuable than his nearly $4 million severance package. He took some 6,000 internal documents, including memos and e-mails potentially damaging to his former employer. "Not potentially, they are. They are very damaging," Biller said. Biller, now entangled in litigation with the auto giant, defended the company in product liability and negligence cases from 2003 to 2007. He says he quit because of what he alleges were "criminal acts" by Toyota -- specifically, withholding information the company was legally required to turn over to plaintiffs' lawyers during litigation. "There is a regular pattern and practice of not producing memos, minutes, reports, and e-mails," Biller said. "These documents can be used to establish liability against Toyota in product liability and negligence cases." The documents -- some of which were reviewed by CNN -- were sent by Biller to Toyota officials. There are numerous references to so-called "Books of Knowledge," highly confidential information on design, safety systems and testing records allegedly generated by Toyota engineers on everything from roll-overs and roof safety to sudden unintended acceleration. The chairman of a U.S. House committee investigating Toyota seems to agree with Biller, saying Toyota engaged in a "systematic disregard for the law and routine violation of court discovery orders in litigation." Rep. Edolphus Towns, D-New York, whose committee subpoenaed Biller's documents, said "The material, I must admit, is very, very disturbing." Toyota defends its actions, saying, "We are confident that we have acted appropriately with respect to all product liability litigation." Yet so far, the company has fought to keep the documents confidential and away from court cases -- like Pennie Green's. The Texas native was 17 and driving to see a movie with her cousin when her life instantly changed. "I didn't make it," she said. A car turned in front of Green and, with no time to react, her 1997 Camry swerved, rolled over and landed upside down. "When I opened my eyes, my nose felt like it was almost touching my belly button I was so curled up." Green never walked again. In 2005 she filed suit against Toyota, claiming the roof was defective because it didn't withstand the weight of the car like it should have. Biller defended Toyota in that rollover case, brought by Green's lawyer, Jeff Embry. "We certainly requested everything that had any relevance to our case at all and, in fact, we had to go to the court to have Toyota ordered to provide their information," said Embry, who added Toyota provided just enough information to show Toyota vehicles "met the minimum standards." Green's case settled in 2006 for $1.5 million. Included in Biller's documents is an e-mail he said he sent to his bosses summarizing negotiations. It says, "TMS [Toyota Motor Sales USA] concluded that it would be better to pay a premium to settle this case and avoid producing the 'Books of Knowledge.'" Embry said he had no idea how close he'd come to uncovering Toyota's alleged secrets. "I think they were very careful to keep design information, very important information in Japan, out of reach of our system as much as possible," he said. Although Toyota calls the materials "trade secrets," Embry said, "That doesn't mean that you get to keep them a secret from the court system." So why, if Biller knew a judge had ordered all information produced, didn't he produce it? He said he tried but was stopped by a superior who told him, "You have to protect the client at all costs." "Even if that includes," Biller asked, "committing criminal acts or violating the law?" The answer, Biller said, was yes. Did he break the law? "No, I did as much as I could as a lawyer for a client to not break the law," he said. "I wrote e-mail after e-mail, memo after memo, explaining the legal obligations Toyota and its affiliates needed to fulfill." In response to Biller's documents and his allegations, Toyota spokeswoman Cindy Knight released this statement: "Mr. Biller continues to make inaccurate and misleading allegations about Toyota's conduct that we strongly dispute and will continue to fight against vigorously." Before leaving Toyota four years ago, Biller had a nervous breakdown caused, he said, by stress. Still, he said, he is confident his e-mails left a trail showing he tried to change Toyota. "The documents speak for themselves. I know what happened. I know exactly what happened. I know the names of the people who were responsible for it. I know where the skeletons are hidden." As for Pennie Green, if a judge finds Toyota did hide documents, she said, "all I want is justice for that. They just need to take responsibility for their actions." Embry has filed a motion in Texas with the state's 18th District Court to investigate whether Toyota unlawfully withheld evidence in Green's case and should be held in contempt. So far Toyota has fought successfully to keep Biller's documents sealed and Biller from testifying. http://www.cnn.com/2010/US/03/10/toyota.wh...dex.html?hpt=T1

As above guys. Toyota allegedly destroyed data implicating itself in the SUV roll-over incidents what do you think of this?

just fully settled my car loan with Hong Leong Finance should i be receivnig any documents from HLF or Tan Chong Motors? I was only given a payment receipt at HLF, and that's all. Would i be expecting a separate document e.g., car log card? thanks