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Will I have to pay penalties for transferring my RA?

MONEYWEB app instead? SUBMIT YOUR QUESTION HERE    SHARES Can the company enforce its terms and conditions without a signed contract? By Mauro Forlin 22 Apr 2021  00:20  I have a retirement annuity with a company that was taken out in 2007. I have recently realised I am losing money with this investment. The growth is at -1.3% currently, so I am stopping payment and want to transfer the money. The company wants to charge me penalties for this. I have requested a copy of the signed terms and conditions where I agreed to these terms. It turns out they do not have a copy of the signed contract. Can they enforce their terms and conditions without a signed contract?

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