WAYNE - A Fort Gay couple are suing Huntington National Bank for participating in predatory lending practices and causing them damages.

Charles Davis and John Doe Holder were also named as defendants in the suit.

In August 1986, Jerry Watts and Debbie Watts purchased their home for $43,000 and sought to refinance their home in spring 2008 to improve their financial situation and contacted the defendant, according to a complaint file June 21 in Wayne Circuit Court.

The Wattses claim Huntington sent Davis to appraise their home in May 2008 and appraised their home at $125,000.

Later the Wattses discovered their home was only worth $55,000, according to the suit.

The Wattses claim the defendants refused to allow them a loan modification when they requested it and caused them worry, stress, annoyance, inconvenience and fear of loss of their home.

The defendants' misrepresentations were known, reckless and/or intentional and caused the plaintiffs damage, according to the suit.

The Wattses claim the defendants engaged in dishonesty, fraud or misrepresentation with the intent to substantially benefit themselves, in violation of West Virginia code.

The defendant used fraudulent, deceptive or misleading representations or means to collect or attempt to collect claims or to obtain information concerning the Wattses, according to the suit.

The Wattses are seeking actual damages and civil penalties. They are being represented by Jennifer Wagner of Mountain State Justice Inc.

The case has been assigned to Circuit Judge Darrell M. Pratt.

Wayne Circuit Court case number: 13-C-126

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