1. A contract of payment in instalments shall then be concluded for the purchase of goods by instalments to the purchase of goods. Contracts to be tempered for residential customers are transactions concluded within the meaning of the Truth in Lending Act. For example, a consumer enters into an installment contract when they purchase a device on an installment plan or a car with a loan that has a repayment plan that determines the number and amount of payments. § §56-1-1 (H); 56-1-2. 2. `goods` means all personal effects, with the exception of motor vehicles used mainly for personal, family or household purposes. The property includes mobile homes, but not if the instalment payment contract also covers the property in which the mobile home is located. §56-1-1 (A). 3. a partial refund by a merchant, are not treated as payments.