Lagoe

BACKGROUND

On March 23, 2021, plaintiffs purchased an off-road vehicle from Roseville Motorsports and completed a sales contract titled “Retail Installment Sale Contract— Simple Finance Charge (With Arbitration Provision).” The contract identifies Dean Lagoe as the buyer, Cynthia Lagoe as the co-buyer, and Roseville Motorsports as the seller. Its introductory paragraph says: “You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements on the front and back of this contract.” The contract then lists the vehicle purchased and a total sale price of $34,995, which covered the vehicle price, a processing charge, sales tax, vehicle fees, and an optional service provision. The contract adds, among other things, that plaintiffs paid this amount by check and credit card, with no amount financed through Roseville Motorsports. One or both plaintiffs signed eight separate parts of the sales contract. One part that both signed states: “Agreement to Arbitrate: By signing below, you agree that, pursuant to the Arbitration Provision on the reverse side of this contract, you or we…