Why are you assuming his isn't? High utilization on one card =/= bad credit

Presented with the stat that 15% of under 29s and virtually no one over 44 is sending telegrams, your hypothesis is that young people just have a lot of urgent legal business to attend to? Seriously? Final answer?

You really think there is some administrative process so secret that none of us have heard of it, but that 15% of people under 29 and 10% of people under 44 have had to do recently?

This doesn’t require a wealth of knowledge, just some bare minimum of critical thinking skills

You would be incorrect in that theory.

Do you think this sample of US adults was 15% Argentine immigrants?

So either this tells us that propensity to troll online surveys goes down with age, or that a significant portion of people don't know that the app Telegram is named after an actual thing that used to exist

The standard and any legal requirements depend entirely on where you are.

Beyond anything legally required, it's a negotiation like any other. If you don't have leverage (e.g. the potential to create a legal headache for your former employer), you probably won't get much more than you're offered.

What's the question? You found the relevant law. Throw it back in their face. Tell them to produce this agreement or pound sand. Assuming you're not forgetting that you signed this thing, they won't be able to and they won't have a leg to stand on.

But I'm also curious where you're from that a broker's fee is such a completely alien concept?