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No. 12-1310
RITA CHECHE,
Plaintiff Appellant,
v.
WITTSTAT TITLE & ESCROW COMPANY, LLC; WACHOVIA
NATIONAL ASSOCIATION; SPECIALIZED LOAN SERVICING, LLC,
BANK
Defendants - Appellees.
Appeal from the United States District Court for the Eastern
District of Virginia, at Norfolk.
Mark S. Davis, District
Judge. (2:09-cv-00577-MSD-TEM)
Submitted:
Decided:
October 1, 2012
PER CURIAM:
Rita
Cheche
appeals
the
district
courts
ruling
and
damages
under
the
Truth
in
Lending
Act,
15
We
affirm.
We review a judgment following a bench trial under a
mixed standard of review.
302,
Evergreen
308
Intl,
(4th
Cir.
S.A.
2008)
v.
Norfolk
(internal
Dredging
quotation
Co.,
marks
omitted).
Having reviewed the parties informal briefs and the
record before us, we perceive no basis on which to overturn the
district courts judgment.
findingspremised
on
credibility
determinationsthat
Cheche
entered into a valid credit transaction and did not cancel that
transaction within the three-day period for doing so provided by
2
the
TILA.
Cheches
We
also
appellate
reject
as
arguments
unexplained
challenging
and
the
without
district
merit
courts
of
documents
provided
by
Wachovia,
and
the
loan.
Further,
insofar
as
Cheche
challenges
the
no relief.
1988);
Sanchez
v.
(5th Cir.
1986)
meritless
Cheches
U.S.
(per
Postal
curiam).
remaining
Serv.,
785
Finally,
we
arguments
for
F.2d
reject
1236,
as
1237
wholly
overturning
the
pauperis
Accordingly,
we
and
the
We dispense
affirm
with
oral
grant
leave
judgment
argument
to
of
the
because
the
proceed
in
district
facts
forma
court.
and
legal
AFFIRMED