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GRANTHAM v. FIRST UNION HOME EQUITY BANK

2950623.

685 So.2d 748 (1996)

Robert W. GRANTHAM and Polly M. Grantham v. FIRST UNION HOME EQUITY BANK.

Court of Civil Appeals of Alabama.

November 1, 1996.

Attorney(s) appearing for the Case

J. Cecil Gardner and Mary E. Olsen of Gardner, Middlebrooks, Fleming & Hamilton, P.C., Mobile, for Appellants.

James B. Newman and John T. Dukes of Helmsing, Lyons, Sims & Leach, P.C., Mobile, for Appellee.

CRAWLEY, Judge.

Robert W. Grantham and Polly M. Grantham (the "debtors") applied to First Union Home Equity Bank (the "creditor") in 1988 for a loan, which was to be secured by their residence. The creditor appraised the residence and at closing collected an appraisal fee of $150. This fee was disclosed in the Truth-in-Lending statement as part of the finance charge and was retained by the creditor because the appraisal was done by its employee. The debtors sued the...

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