MEMORANDUM DECISION
CALLISTER, District Judge.
I. INTRODUCTION
This action arises out of a consumer credit transaction. On May 23, 1978, plaintiffs Martinez entered into a credit transaction with defendant Idaho First National Bank in order to refinance a 1973 Datsun which plaintiffs were buying from West Park Toyota in Ontario, Oregon. The transaction is evidenced by the defendant lender's Sale and Loan Agreement. The plaintiffs subsequently filed...
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