Smith v. Alfa Financial Corp.

Evan Allen Smith and Ed Smith, individually and in their capacities as representatives of a class of similarly situated persons (collectively, “the plaintiffs”), appeal from a judgment entered on the pleadings in favor of the defendant, Alfa Financial Corporation (“Alfa”), on their claims under the Alabama Consumer Credit Act, § 5-19-1 et seq. (the so-called “Mini-Code”), as amended. We reverse and remand.

The plaintiffs, claiming to be debtors of Alfa, filed their complaint in the Jefferson County Circuit Court on May 15, 1996, seeking an amount “equal to the interest charges on [their]…