That's what I thought too, but how could a loan be taken out without an explicit contract with my signature on it? To my knowledge, I signed no such document (

That's what I thought too, but how could a loan be taken out without an explicit contract with my signature on it? To my knowledge, I signed no such document (granted, it all took place on an apple store ipad, so who knows). Also, apple doesn't even let you purchase phones on a 'tmobile loan', they want their money up front.