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testified that she was listed as West Pine's president, not at
the time of West Pine's incorporation, but closer to the time
West Pine ceased operating. Mrs. Gaskins explained the apparent
discrepancy in her answers by stating that in 1982, she did not
know whether she actually had been listed as president. Mrs.
Gaskins further explained that she answered Mr. Higgin's
questions based on information given to her by Mr. Gaskins in
anticipation of that interview. Mrs. Gaskins did not distrust
her husband, and she simply repeated what he had told her.
House, Mortgages, and Related Expenses
The Gaskins live in a three-bedroom ranch house, where
they have resided since July of 1972. They obtained their first
mortgage on the house from State Capital Savings and Loan in the
principal amount of $21,800. In January of 1978, the Gaskins
obtained a $5,000 loan at an interest rate of 23.04 percent,
secured by their residence, from Pacific Finance Consumer
Discount Company. Of the $5,000 amount, $502.72 was applied
towards credit insurance, $891.07 was disbursed to Household
Finance, $8 was paid to the recorder of deeds, and $3,598.21 was
disbursed to the Gaskins. In February and March of 1981, the
Gaskins borrowed $8,111.09 at an interest rate of 17.10 percent,
and $14,766.14 at an interest rate of 17.64 percent
respectively, from Transamerica Financial Consumer Discount
Company (Transamerica); these loans were secured by their
residence. Transamerica disbursed the proceeds of the February
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