CARLEY, Judge.
Appellants are the children and heirs at law of Kenneth Gurley. In 1976 Mr. Gurley bought a Ford automobile, financing the purchase through appellee-Ford Motor Credit Company (Ford Credit). Credit life and disability insurance was obtained from appellee-Ford Life Insurance Company (Ford Life). Mr. Gurley purchased the car for his daughter, appellant-Kathryn Gurley, with the understanding that she "was responsible for the payments." Although Mr. Gurley...
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