CLAY, J., delivered the opinion of the court, in which GILMAN, J., joined. EDGAR, Chief District Judge (pp. 351-53), delivered a separate opinion dissenting in part and concurring in part.
OPINION
CLAY, Circuit Judge.
Plaintiff, Sharon R. Pfennig, appeals from the district court's September 1, 2000 order dismissing her complaint in which she seeks to bring a class action against Defendants, Household Credit Services, Inc. ("Household") and MBNA America...
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