288 F.3d 277 Cheryl REYNOLDS, et al., Plaintiffs-Appellees,v.BENEFICIAL NATIONAL BANK, et al., Defendants-Appellees.Appeals of Belinda Peterson, et al. No. 00-3122. No. 00-3178. No. 00-3181. No. 00-3182. No. 00-3367. No. 01-1239. No. 01-1617. No. 01-1654. No. 01-2231. No. 01-2339. No. 01-2445. No. 01-2747. No. 01-2785. No. 01-3545. United States Court of Appeals, Seventh Circuit. Argued February […]