Gladys Gardner v. GMAC, Inc.

Affirmed by published opinion. Judge DIAZ wrote the opinion, in which Judge NIEMEYER and Judge KEENAN joined.

DIAZ, Circuit Judge:

The main question raised by this appeal is when borrowers may seek a remedy after their creditors violate the repossession notice requirements in Maryland’s Credit Grantor Closed End Credit Provisions (“CLEC”), Md.Code Ann., Com. Law § 12-1001 et seq. Because we conclude that CLEC requires borrowers to have repaid more than the original principal amount of their loans before they are entitled to relief, we affirm.

I

Gladys Gardner and Randolph Scott each entered into…