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BEGALA v. PNC BANK, OHIO, NAT. ASS'N

Nos. 98-3360, 99-3652.

214 F.3d 776 (2000)

John A. BEGALA, Steven W. Borchers, Cynthia Edwards, Plaintiffs-Appellants, v. PNC BANK, OHIO, NATIONAL ASSOCIATION, Defendant-Appellee.

United States Court of Appeals, Sixth Circuit.

Decided and Filed June 7, 2000.

Attorney(s) appearing for the Case

Paul M. De Marco (argued and briefed), Waite, Schneider, Bayless & Chesley, Cincinnati, OH, for Plaintiffs-Appellants.

Glenn V. Whitaker (argued and briefed), Phillip J. Smith (briefed), Vorys, Sater, Seymour & Pease, Cincinnati, OH, for Defendant-Appellee.

Before: WELLFORD, BATCHELDER, and DAUGHTREY, Circuit Judges.

OPINION

BATCHELDER, Circuit Judge.

Plaintiff John Begala filed his first lawsuit against PNC Bank on January 23, 1997. The lawsuit was based upon allegations that PNC violated the Truth-in-Lending Act ("TILA"), 15 U.S.C. § 1601 et seq., as well as various state laws by offering "payment holidays" to its loan customers without fully disclosing the additional interest that those customers would incur by...

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