Killings v. Jeff's Motors, Inc., 73-2698.

• Decision Date: 11 March 1974
• Docket Number: No. 73-2698.,73-2698.
• Citation: Killings v. Jeff's Motors, Inc., 490 F.2d 865 (5th Cir. 1974)
• Parties: Ruby Mae KILLINGS, Plaintiff-Appellant, v. JEFF'S MOTORS, INC., Defendant-Appellee.
• Court: U.S. Court of Appeals — Fifth Circuit

490 F.2d 865 (1974)

Ruby Mae KILLINGS, Plaintiff-Appellant, v. JEFF'S MOTORS, INC., Defendant-Appellee.

No. 73-2698.

United States Court of Appeals, Fifth Circuit.

March 11, 1974.

Samuel G. McKerall, Birmingham, Ala., for plaintiff-appellant.

Walker Norris, Birmingham, Ala., for defendant-appellee.

Before GODBOLD, SIMPSON and INGRAHAM, Circuit Judges.

GODBOLD, Circuit Judge:

The appellant Ruby Mae Killings bought a used car from the appellee. She paid $300 down and signed an installment sales contract under which she agreed to pay $75.72 per month until the balance was repaid. The contract form contained a section for the vendor's disclosures required by the Consumer Credit Protection Act, 15 U.S.C. § 1601 et seq. It was filled out as follows (irrelevant portions omitted):

  1. CASH PRICE                                         $2,105.28
                  3. UNPAID BALANCE OF CASH
                       PRICE                                             1,805.28
                  5. UNPAID BALANCE — AMOUNT FINANCED                    1,805.28
                  6. FINANCE CHARGE                                          None
                  7. TOTAL OF PAYMENTS                                   1,805.28
                  8. DEFERRED PAYMENT PRICE                              1,805.28
                  9. ANNUAL PERCENTAGE RATE                                  None
                  10. PAYMENT SCHEDULE: The total of payments
                  (Item 7) is payable at seller's office . . . in
                  24 installments of $75.72 each, commencing
                  6/8/1971 and on the same day of each successive
                  month thereafter
                

Five months after the transaction, appellant sued under 15 U.S.C. § 1640, seeking civil damages against appellee for failure to comply with id. § 1638(a)(6), (7). Those subparts require the vendor to disclose the amount of finance charge and to express the finance charge as an annual percentage rate.

The parties submitted the case for judgment upon an agreed statement of facts. They stipulated, inter alia, that appellee had purchased the car for $760 and that for "extra clean" cars of the same make and year as appellant's the Official Used Car Market Guide Weekly Black Book showed an average Alabama retail price of $1780 during the week in which the transaction at bar was consummated.

The District Court held that the transaction did contain an undisclosed finance charge in violation of § 1638. The appellee does not challenge this finding by cross-appeal. The trial court went on to state, however, that the amount of the charge could not be determined. Therefore, it limited appellant's...