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I'm not yet a lawyer, so can't provide anything like a complete answer, but I don't think lack of disclosure of peripheral consequences is legally the same; this common law principle applies to the main substance of the contract. So a lender can't say: "unless you write back saying no, we're...

It is a fundamental principle of contract law that silence cannot be construed as acceptance, i.e. you can't say "we'll have a contract unless you say otherwise". But the PM is your agent, and legally, can do all the things that you could do, with regard to managing your property. It sounds to...