A representative of the Golden Valley Vacuum Company called on Joyce and Robert at their residence.

A representative of the Golden Valley Vacuum Company called on Joyce and Robert at their residence. After demonstrating the vacuum and explaining its cost, he told Joyce and Robert that he would allow the couple to try the Golden Valley or three months for free. The representative asked Joyce and Robert to sign a form that he could show to his boss to prove that he had made the demonstrations and also a note to cover the unit while it was on Joyce and Robert's property. They both signed the form. In a few days, a payment book arrived from Prairie View United Bank. At this point, Joyce and Robert realized they had been tricked into signing a contract and a note. Both Joyce and Robert are graduates of a community college with associates degrees and can read and write English. Prairie View United Bank had obtained the note from Golden Valley Vacuum Company . The bank has no notice of Golden Valley Vacuum Company's business practices and was a holder in due course. Joyce and Robert refused to pay the note, and Prairie View Bank United sued them to collect on the note.