FEDERAL TRUTH IN LENDING DISCLOSURE. ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 240.00% FINANCE CHARGE The dollar amount the credit will cost you. $200.00 Amount Financed The amount of credit provided to you or on your behalf. $1,000.00 Total of Payments The amount you will have paid after you have made all payments scheduled $1,200.00
FEDERAL TRUTH IN LENDING DISCLOSURE. ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 469.29% FINANCE CHARGE The dollar amount the credit will cost you. $36.00 Amount Financed The amount of credit provided to you or on your behalf. $200.00 Total of Payments The amount you will have paid after you have made all payments scheduled $236.00 You have the right to receive at this time an itemization of the Amount Financed. I want an itemization of the Amount Financed. I do not want an itemization. YOUR PAYMENT SCHEDULE: Number of payments: 1 Amount of payment: $236.00. Presentment Date: 11/29/2005 (Date check will be deposited ). I HEREBY CERTIFY THAT I HAVE RECEIVED A COPY OF THIS TRUTH IN LENDING DISCLOSURE PRIOR TO ENTERING INTO THIS DEFERRED DEPOSITT TRANSACTION CUSTOMER SIGNATURE: X THERE IS NO REBATE OF THE FINANCE CHARGE IF THE CHECK IS PREPAID BEFORE THE PRESENTMENT DATE SHOWN ABOVE. **THE FEE AUTHORIZED BY MONTANA CODE ANNOTATED TITLE 31 SECTIONS 715 THROUGH 722, AS SHOWN IN THE FINANCE CHARGE BLANK ABOVE, SHALL NOT BE DEEMED INTEREST FOR ANY PURPOSE OF LAW. In the event that my check is returned to Alpha Omega Consulting Group, Inc. from my financial institution due to insufficient funds, closed account, or a stop payment order, I understand that Alpha Omega Consulting Group, Inc. shall have the right to all civil means available and allowed by law to collect the check, including the right to collect court costs and reasonable attorney fees incurred in bringing a civil lawsuit. Further, Alpha Omega Consulting Group, Inc. will assess a returned check charge of $20.00 in the event a check is returned for any of the above mentioned reasons. I acknowledge that I have read this agreement, understand its contents, agree to its terms, and have been given, before signing this agreement, a written explanation, in clear, understandable language, of the fees to be charged by Alpha Omega Consulting Group, Inc., and the date on which the check will be deposited or presented by Alpha Omega Consulting Group, Inc.. By my signature below, I herby certify that I have no more than two (2) checks outstanding to any licensee or licensees and that the aggregate face value of all outstanding checks issued by me for deferred deposit does not equal or exceed five hundred dollars ($500). Signed Monday, November 14, 2005 You cannot be prosecuted in criminal court for collection of this loan. CUSTOMER SIGNATURE: X XXX X XXXXX
FEDERAL TRUTH IN LENDING DISCLOSURE. ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 264.00% FINANCE CHARGE The dollar amount the credit will cost you. $220.00 Amount Financed The amount of credit provided to you or on your behalf. $1,000.00 Total of Payments The amount you will have paid after you have made all payments scheduled $1,220.00 SECURITY: Title Pledge Lender will have a security interest in the titled personal pledged property listed above. PREPAYMENT: If you pay off early, you will not be entitled to a refund of part of the finance charge. See your contract for any additional information concerning nonpayment and default ADDITIONAL INFORMATION: and prepayment refunds or penalties. Maturity Date 12/14/2005 Payment Schedule 1 Payment @ $1,220.00 Itemization of the Amount Financed of $1,000.00 Amount given to you directly $1,000.00 Amount Refinanced $1,000.00 I hereby acknowledge receipt of this consumer notification and disclosures prior to entering into this pledge agreement. Xxxxxxx'x Signature Interest + Fee = Finance Charge/Minimum Pmt $200.00 + $20.00 = $220.00 Pledgor and Lender agree as follows:
FEDERAL TRUTH IN LENDING DISCLOSURE. ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 120.00% FINANCE CHARGE The dollar amount the credit will cost you. $100.00 Amount Financed The amount of credit provided to you or on your behalf. $1,000.00 Total of Payments The amount you will have paid after you have made all payments scheduled $1,100.00 SECURITY: Title Pledge Lender will have a security interest in the titled personal pledged property listed above. PREPAYMENT: If you pay off early, you will not be entitled to a refund of part of the finance charge. See your contract for any additional information concerning nonpayment and default ADDITIONAL INFORMATION: and prepayment refunds or penalties. Maturity Date 12/29/2006 Payment Schedule 1 Payment @ $1,100.00 Itemization of the Amount Financed of $1,000.00 Amount given to you directly $1,000.00 Amount Refinanced $1,000.00 I hereby acknowledge receipt of this consumer notification and disclosures prior to entering into this pledge agreement. Xxxxxxx'x Signature X Interest + Fee = Finance Charge/Minimum Pmt $100.00 + $0.00 = $100.00 In this Agreement the word "Pledgor" means the above customer and all who have signed as pledgor. The words "Title Pledge Lender" mean ALPHA OMEGA CONSULTING GROUP. Address any consumer complaints to: Department of Financial Institutions, Consumer Resources Division 000 Xxxxx Xxxxxx, Xxxxx 000 Xxxxxxxxx, Xxxxxxxxx 00000 Phone: 000-000-0000 or 000-000-0000
FEDERAL TRUTH IN LENDING DISCLOSURE. ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 176.90% FINANCE CHARGE The dollar amount the credit will cost you. $145.40 Amount Financed The amount of credit provided to you or on your behalf. $1,000.00 Total of Payments The amount you will have paid after you have made all payments scheduled $1,145.40 Year 2000 Color Black Make BMW Model 735i License No. VIN 00000000000000000 Title Certificate Number ITEMIZATION OF AMOUNT FINANCED $1,000.00 AMOUNT FINANCED $125.00 Origination Fee $1,125.00 Total Loan Amount ANNUAL FINANCE RATE: 22.00% (Does NOT include our preparation fee.)
FEDERAL TRUTH IN LENDING DISCLOSURE. ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments scheduled. SECURITY: Title Pledge Lender will have a security interest in the titled personal pledged property listed above. PREPAYMENT: If you pay off early, you will be entitled to a refund of part of the finance charge. ADDITIONAL INFORMATION: Xxxxxxx agrees to be liable for reasonable attorney fees and all court cost of collection. Maturity Date Payment Schedule . Itemization of the Amount Financed of Amount given to you directly Amount Refinanced Fee + Loan Amount = total amount due I hereby acknowledge receipt of this consumer notification and disclosures prior to entering into this pledge agreement. Xxxxxxx’x Signature Xxxxxxxx and Xxxxxx agree as follows:
FEDERAL TRUTH IN LENDING DISCLOSURE. ANNUAL PERCENTAGE The cost of your credit as a yearly rate. 10.00% FINANCE CHARGE The dollar amount the credit will cost you. $24.93 Amount Financed The amount of credit provided to you or on your behalf. $3,033.00 Total of Payments The amount you will have paid after you have made all payments scheduled $3,057.93 SECURITY: Title Lender will have a security interest in the titled personal property listed above. PREPAYMENT: If you pay off early, you may be entitled to a refund of part of the finance charge. ADDITIONAL INFORMATION: Xxxxxxxx agrees to be liable for fees allowable by Idaho Law. Maturity Date 1/11/2015 Payment Schedule 1 Payment @ $3,057.93 Itemization of the Amount Financed of $3,033.00 Title Fee $33.00 Amount given to you directly $3,000.00 Amount Renewed $0.00 I hereby acknowledge receipt of this consumer notification and disclosures prior to entering into this loan agreement. Borrower's Signature X PROMISE TO PAY: You have requested a loan (the "Loan") in the amount of the Amount Financed stated above. We agree to make the Loan to you and, you promise to pay us the Total of Payments set forth above. You acknowledge and agree that you are indebted to us in the amount of the Total of Payments, the amounts set forth in the federal Truth-In-Lending disclosures set forth above are not in dispute and you do not have any defense to the payment of such amounts. Fees and Interest charged on the Loan are $0.82 per $100.00 advanced for each 30 day period.
