<prompt> Human: Hello redditPF, I recently moved to a rich neighbourhood in a German town. I went to to bank to ask for a personal credit of 15000 Euros. I got approved, got all the money, but didnt sign any paper work. Now, months later paperwork has arrived. Money is already all spent, but I was curious - is there any way to back out now?  <response>: To back out of borrowing money that you already spent? Pretty sure accepting the money was a defacto acceptance of the terms of repayment, but rlegaladvice would know better. 