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00:00He wanted to know if you wanted to buy his car.
00:04I said, absolutely, that'd be great.
00:05She crashed the car.
00:07What difference does that make?
00:08The car has paid off.
00:10Let's understand something, sir.
00:11Does his face look stupid?
00:14You think they kept me around here 26 years
00:16because I'm stupid?
00:17This is Judy Justice.
00:30Jeffrey Coley is suing his former friend, Melissa Zavala,
00:41and her daughter, Faith Gray, for breach of contract on a car loan.
00:47Court, come to order.
00:49All rise.
00:52Seat, please.
00:54Hello, Judge.
00:55All right, Kevin.
00:55Case number 1159, Coley v. Zavala Gray.
00:59You're welcome.
01:00You're Miss Zavala.
01:02Yes, Your Honor.
01:03And this is your daughter.
01:04Yes, she is.
01:05I'm gonna start with you.
01:06How do you know the plaintiff?
01:07I had met him, I was having car trouble.
01:10My friend rented me an Airbnb
01:12because she didn't want to take me home.
01:14So he had been renting the same Airbnb
01:18and that's how we met each other.
01:21In what month and year was that?
01:22Approximately June or July of 2020.
01:262020?
01:27Yes, ma'am.
01:28And at the time, you didn't have a car.
01:30I had a vehicle but it wasn't operating.
01:33So you didn't have a car.
01:34Having a car that's not operating is like not having a car.
01:37And were you and Mr. Coley just friends
01:41or did you have a more social relationship?
01:43No, we were just strictly just friends.
01:45Is that correct?
01:46Yes, Your Honor.
01:47And I assume that you told him about your car trouble?
01:50Yes, Your Honor.
01:51And what did Mr. Coley say to you?
01:53I believe...
01:54Look at me.
01:55Okay, I'm sorry.
01:56I believe that he offered to rent a vehicle for me and...
01:58He said, I'll rent a car for you.
02:00Yes, Your Honor.
02:01It was very nice of him.
02:03How were you going to arrange to pay him for that?
02:05Well, I had the money to pay for the rental.
02:07So why would he have to rent it for you?
02:09He gets like discounts and with this triple A or he had some kind of promotional thing
02:15that it was going to be cheap.
02:17What kind of promotional thing that you had that was going to be cheap, Mr. Coley?
02:21No promotions at all.
02:22It's she didn't have credit and she told me she was going to go rent it.
02:26She actually drove down or got a ride to the rental car place.
02:31And she called me from the counter and said,
02:33Oh, need a credit card?
02:34They won't rent to me.
02:35Come on down.
02:36Does that sound more familiar?
02:37Yeah, that was correct.
02:38Does that sound more familiar?
02:40Yes, Your Honor.
02:40That you went there and they wouldn't rent you a car?
02:42Yes, Your Honor.
02:43It was, I didn't have a credit card yet.
02:44And in what month was that?
02:46Like July.
02:48So shortly after you met him.
02:49Yeah, oh yeah, immediately after I met him.
02:52So now you called him from the rental car place.
02:56You had just met him and said they won't rent me a car because I have no credit card.
03:01And now you're at the rental car place.
03:03Where's your daughter?
03:04At the time she was at school, she was still going to high school.
03:07She was nowhere.
03:08Okay, so you're by yourself at the rental car place.
03:11Yes, Your Honor.
03:11And then what happened?
03:12Jeff came and he...
03:14He came to the rental car place.
03:15Yeah.
03:15And we were going to rent a charger, but something had happened.
03:18He didn't have enough money in his bank or something like that.
03:21So he said I could use his vehicle.
03:23Then we went back to his place, we chit-chatted a little bit, and I believe it was the next
03:27day that he called and told me that he was going to purchase another vehicle if I wanted
03:31to buy his car that he had now, which is the ultimate I'm currently buying.
03:34So he was going to get another car and he wanted to know if you wanted to buy his car.
03:40Yeah, he was really excited.
03:42He was looking...
03:43Just a second.
03:44He wanted to know if you wanted to buy his car, and what did you say?
03:48I said absolutely, that'd be great.
03:50And he said, you know, I know how...
03:52Just a second.
03:53That's not exactly what you say in your answer, but continue.
03:56So, he said, do you want to buy my car?
03:59Great.
04:00Well, if you want to buy somebody's car, then you usually negotiate a price.
04:03You're correct.
04:04What price do you claim that you negotiated?
04:07I believe it was around $50.
04:09No, no, no.
04:10Not around.
04:11When you buy a car, you negotiate a price.
04:14Ms. Zavala, how old are you?
04:1640.
04:17When you buy a car, you negotiate a price.
04:20Even my 18-year-old grandchild knows that.
04:24Okay.
04:25I like that car.
04:27How much is it?
04:28I want $4,000.
04:31I'll give you $3,000.
04:33How about $3,200?
04:35How about $3,700?
04:36Do you understand?
04:37You negotiate a price.
04:39You're a big girl.
04:40You have a grown-up daughter.
04:42So, you want to buy my car.
04:43This is what you're telling me now.
04:45You said that would be great.
04:46And what do you do about the cost of the car?
04:49He said he was going to give me time to get a deposit together
04:52and sell the car that wasn't working.
04:54Did you come up with a price?
04:57I thought it was $5,500.
04:59What do you mean you thought it was $5,000?
05:01That's what he told me.
05:02It's $5,500.
05:04I would be taking over payments.
05:06$5,500.
05:07You were taking over payments?
05:09Taking over the rest of his payments.
05:10Just a second.
05:11So, you knew his car was either leased or bought and there was a loan on it.
05:18Yeah.
05:19I just know that he told me you're going to pay me payments of this amount of money every month.
05:23And I said, no problem.
05:24He goes, get as much money as you can together for a deposit, for a down payment on the car.
05:28And that's what I did.
05:29I didn't ask if he was still financing the car.
05:31I didn't ask any of those questions.
05:32He just gave me an amount of what he wanted every month.
05:35Now, if I believe that part of the story, before you said, if I'm not mistaken, that it was $5,500.
05:43I was just, I believe she used the words, taking over his payments.
05:47I would be taking over his payments.
05:49I would be taking over his payments.
05:51Well, when you take over somebody's payments, it means that they owe money.
05:55Then you would say, unless you're a real fool, how much do you still owe on the car?
06:02You mean you never had that conversation with him?
06:04I don't remember.
06:05Then let's go a little further.
06:07So now in July, you have a car, his car.
06:10Yes.
06:11Did you sell your car?
06:13Yes, I did.
06:14What kind of a car was it that you sold?
06:16A 98 Honda Civic.
06:18Who did you sell it to?
06:19A friend of mine's dad.
06:21And how much did you get for it?
06:22I got $700, and I gave him $600.
06:25When did you sell it?
06:26I don't remember the date. I have it in my evidence here, though.
06:29Take a look.
06:30March 2nd.
06:32So March 2nd was the first time you gave him any money on the car.
06:35Is that what you're telling me?
06:36No, I'm sorry. I read it wrong.
06:38It actually doesn't say the date here.
06:40He's the one that typed this up.
06:42It doesn't tell me a date.
06:43I believe it was like not even two weeks after I had gotten the car.
06:46That would be in July.
06:47That would be in July.
06:48Yeah, it was still in July.
06:49Well, when did you sell your other car?
06:51Like a week or two after, so in July.
06:54Making it up as she's going along.
06:56Let's understand something, sir.
07:00Does this face look stupid?
07:02You think they kept me around here 25 years, 26 years because I'm stupid?
07:06The document that you gave me says amount left to pay $2,879.
07:23Jeffrey Coley is accusing his former friend, Melissa Zavala, of not completing the payments on a car loan.
07:31Melissa says she's already paid more than the car is worth.
07:36When did you get the $600?
07:38A couple of weeks later.
07:40And I'm showing 540.
07:42It was pretty good at nickel and dime.
07:45That's your fault.
07:46Yes.
07:47That's your fault.
07:48You're the seller.
07:49Yes.
07:50I don't know what your end game was, but that's your fault.
07:52That's your fault.
07:53That's your fault.
07:54Being nice.
07:55Well, then if you're being nice and you're burdening me, then I get to be not nice.
08:00Then you don't keep good records.
08:01You go here, $5 here, $10 there, and then you expect somebody with several degrees to make chicken salad out of what you've created, Mr. Coley.
08:14Do you understand?
08:15If you sell somebody your car and you're looking for a different end game, and I don't know what the different end game was,
08:21if you sell somebody your car, you keep records.
08:23July 27th, $600.
08:26August 5th, $150.
08:28Yes, Ron.
08:29Sale price is this much.
08:30Yes.
08:31Payments to be made.
08:32Yes.
08:33Do you understand?
08:34That's exactly what I did.
08:35All this paper, documents, yes.
08:37Perfect.
08:38You had this car, and there was a loan on it?
08:41Yes.
08:42Who was the lender?
08:43Westlake Financial.
08:44And how much was left on the car at the time that Ms. Zavala started to drive it?
08:49Approximately $4,200 and change.
08:52Let's be clear.
08:53How much was left on it?
08:55$4,200?
08:56$4,279.
08:57Okay.
08:58So first she gave you $600, right?
09:01Correct.
09:02And you have records of each of her payments?
09:04Correct.
09:05So you paid off your note?
09:06No, the note has 22% interest.
09:11It's a bank note.
09:12I pay interest.
09:13So she's taken over payments until the bank note's paid, which is roughly two years.
09:18She knew it was two years.
09:19It says so two years on the document she signed.
09:21Oh, I'd like to see that.
09:23Just a second.
09:24I'd like to see the document she signed.
09:26Yes, ma'am.
09:27Okay.
09:28Ms. Zavala, did you have insurance?
09:31He provided insurance.
09:33It was full coverage.
09:34Just a second.
09:35So the payments that you made to him also included car insurance?
09:40Yes, Your Honor.
09:41Okay.
09:42All right.
09:43And this is dated 7-10-2020.
09:45Loan principal approximately $4,127.
09:49You're supposed to make a down payment of $3,000 as agreed, which you didn't make.
09:55Monthly payments of $245.
09:57Lesser forwards payments directly, that's you, to auto lender Westlake from July 20th,
10:04approximately two years or until the vehicle is paid off.
10:09Okay.
10:10If Leslie fails behind 45 days, she will surrender the vehicle back, which you did fall behind.
10:17You didn't pay the $245 in monthly payments all the time.
10:21So he came, took the car back.
10:23He came, he took the car once when your daughter was working, which is your counterclaim because it upset her.
10:30That's your counterclaim.
10:31Right?
10:32Yeah, he humiliated her at work.
10:33That's dismissed.
10:34Lessee is fully responsible for any damages.
10:37That's you.
10:38There were little damages.
10:39There were little damages.
10:40You had a little car accident?
10:41Yeah.
10:42Yeah, that would be a yes.
10:43Yes.
10:44Where was the damage?
10:45It was on the side of the car, on the passenger side.
10:48Did you have it fixed?
10:49Yeah.
10:50You had it fixed?
10:51Mm-hmm.
10:52Okay.
10:53Not insurance?
10:54No.
10:55You paid to have it fixed?
10:56Yeah.
10:57I have the bank, or the statement.
10:59Well, then show it to me.
11:00Yes, Your Honor.
11:04And here was the one for May.
11:06So I have today.
11:07No, no, I just want, all I want, you have the car, right?
11:11Yes, Your Honor.
11:12Great.
11:13All I want to see is what's due on the car.
11:16Well, actually, there's nothing much past due.
11:20Your account is past due, amount due, $603.
11:24But amount left to pay is $2,800, according to this.
11:29It's forecasted with interest.
11:31What is left on the car is $2,800.
11:35That would be with interest.
11:37If it went a whole year, yes.
11:38If it went a whole year.
11:40But if it was cashed today, for example, it would be only the $22,000 or $21,000.
11:44It would be what?
11:45Whatever the balance says on the statement.
11:47The balance that's left on the statement.
11:50Yes.
11:51It's a tiny box in the middle left, far left, under the payoff progress, it says.
11:57It's hard to see.
11:58Amount left to pay $2,879.03.
12:03Okay.
12:04That's what it says is left.
12:05Okay.
12:06Right?
12:07Correct.
12:08Okay.
12:09You signed this agreement?
12:10May I look at it closer?
12:11Absolutely.
12:14I did sign that.
12:25Very good.
12:26So what you agreed to do is pay the car out.
12:29And if you want the car in your name, who has the title?
12:33I do.
12:35I'd like to see it.
12:36Oh, the bank holds the title.
12:38Yeah, but you have the title as the bank with a lien holder.
12:42Correct.
12:43Correct.
12:44Correct.
12:45So that once a payment is made to the bank in the amount of $2,000 to Westlake, $2,879.03,
12:55as of November, the car is fully paid off.
12:59So you have the title.
13:01No, the car is not paid off.
13:02No.
13:03I still have one year left with Westlake.
13:04No, no, no, no, no, no.
13:05If the car is paid off today, $2,800, then the car is paid off.
13:12Then her contract with you is fulfilled.
13:14The balance.
13:15Personally, Miss Gray crashed the car and it was not filled.
13:20Just a second.
13:21I don't care.
13:22Okay.
13:23What difference does that make?
13:24She pays $2,800 today.
13:25It's going to be her car.
13:26The car broke, didn't break.
13:29It needed maintenance, 100,000 mile car.
13:31She said roughly around December that she couldn't afford to do the maintenance.
13:36I said, I'll help you out because your daughter was-
13:39Mr. Coley, let's understand something, sir.
13:42Does this face look stupid?
13:43You think they kept me around here 25 years, 26 years because I'm stupid?
13:47The document that you gave me, that you told me to look in the left-hand corner says,
13:52amount left to pay.
13:54That's correct.
13:55We've agreed.
13:56$2,879.
13:57Yes, Your Honor.
13:58So if the company is paid.
14:00The car is paid.
14:01The car is paid for.
14:02The car is paid for.
14:03And then her contract with you is fulfilled.
14:07She says, according to this, approximately two years or until the vehicle is paid off.
14:14Correct.
14:15Correct.
14:16At which time the vehicle title will be transferred to the lessee.
14:21Correct.
14:22Perfect.
14:24I just asked you what parts and labor not performed 570-
14:28I'm trying to explain.
14:29She refused to go the second day.
14:32So the parts I paid for went to waste.
14:45Jeffrey Coley is accusing his former friend, Melissa Zavala, of not completing the payments on a car loan.
14:54Melissa says she's already paid more than the car is worth.
14:58She says, according to this, approximately two years or until the vehicle is paid off.
15:06Correct.
15:07At which time the vehicle title will be transferred to the lessee.
15:12Correct.
15:13Perfect.
15:14I'm entering a judgment for $2,879.
15:18The check will be made payable directly to Westlake Finance.
15:24But there's more loans, Your Honor.
15:25And with a direction, and with a direction to the Department of Motor Vehicles that the Department of Motor Vehicles is to issue a clean title in the name of Ms. Zavala.
15:35But Your Honor, the damage is not fixed.
15:38She lied to you.
15:39What difference does that make to you?
15:41Because I can't-
15:43Oh, if those loans paid off, I understand they're keeping the car.
15:46There's different ways.
15:47But see-
15:48No, that's my way.
15:49And there's my way-
15:50No, no.
15:51She can give the car back and I can sell it.
15:52She's not-
15:53No.
15:54She's not-
15:55That's what I meant.
15:56What I mean is-
15:57That's what I mean.
15:58There's going to be a check cut to Westlake Finance-
16:02I understand.
16:03$2,879.03 as of November.
16:09With a direction.
16:10So the loan is fully paid.
16:12Prepaid.
16:13Done.
16:14And then I'm going to issue an order to the Department of Motor Vehicles to issue a new title in Ms. Zavala's name.
16:22And her contract with you has been fulfilled according to her contract.
16:28You want to read it?
16:29Yes.
16:30No, I understand, Your Honor.
16:31May I speak to the court, please?
16:32About what?
16:33Ms. Zavala called me in December and said, I would like to have you do some repairs and pay the car registration and get new tires and change the oil.
16:42And I said, whoa, whoa, whoa.
16:43You own the car.
16:44It's not right for me to have to pay all your expenses.
16:47So she hasn't paid registration since December.
16:50The police are-
16:51Show me that.
16:52Show me where that is.
16:53The police are-
16:54Show me where that is in your complaint, sir.
16:55Show me where that-
16:56Oh, they only gave us two lines to fill in the complaint.
16:58Show me that.
16:59No, no, no, no.
17:00Show me where that is.
17:01There's not two lines.
17:02Show me where that is in your complaint.
17:03The original court papers was two lines, yes.
17:05Um-
17:06Nowhere.
17:07The original court papers may have been two lines, but this is not two lines.
17:10I believe it mentions there's a loan, a repair loan in there, I believe.
17:13Oh, well, just show me.
17:14I don't have it in front of you.
17:15Show me, please.
17:16I may not.
17:17Yeah, there's a repair loan on there.
17:18Just-
17:19Just show me.
17:20Okay.
17:21Just make a-
17:22Just make a circle.
17:23I may have read it.
17:24I may have misread it.
17:25Just show me where it is.
17:26On my auto loan and vehicle repair loan, yes.
17:29It's at the very, very bottom.
17:32Oh.
17:34As a result of Melissa's late payments, I incurred fees late on my credit report and one from
17:42yesterday.
17:43There's two lates now.
17:44Mm-hmm.
17:45From a rebuttal loan and a vehicle repair loan that she asked me to repair for her.
17:51And it killed my credit score.
17:53Let me give you the copy of the, uh, just one more document to go with that.
17:58Let's see, um, here's the repairs.
18:01Sorry.
18:02Mr. Coley, I want you to show me a paid bill for repairs on the car.
18:07Show me a paid bill for the repairs on the car that, first, while it was in Ms. Zavala's
18:14possession.
18:15A paid repair bill.
18:16And then give me back-
18:17Yes, balance due zero.
18:18This is paid, Your Honor.
18:19Mm-hmm.
18:20Okay, great.
18:21I'd like to take a look at it.
18:28Okay.
18:29This was in December.
18:31Correct.
18:32Of 20, total parts and labor not performed, $573.
18:39What is that?
18:40What happened is Ms. Zavala was not, was difficult to work with, so-
18:43Just, just, I want to know what that means.
18:46I, I-
18:47Total parts and labor not performed.
18:50It means it took two trips to the auto mechanic.
18:53I'd made the first trip.
18:55During that trip, I went to Ms. Zavala's residence, did her a favor and picked up the car because
19:01she was watching a little child and couldn't get away.
19:04I dropped my day, what I was doing-
19:06Just a second.
19:07Took her-
19:08I just asked you, what parts and labor not performed, $572.
19:11I'm trying to explain.
19:12Nothing was doing the car.
19:13The day I went, they do half the work.
19:15So, Zavala meets, the second day, I, you know, had to come back second day.
19:21So, I said, Ms. Zavala, you go the second day.
19:24She refused to go the second day.
19:26So, the parts I paid for went to waste.
19:29So-
19:30Listen, sir, I don't know what your thing is.
19:33$2,879.03.
19:35That is going to be paid directly to Westlake with an order from me that the car is to be put
19:40in her name.
19:41Goodbye.
19:42We're done here.
19:43It's adjourned.
19:46We love Judge's duty, obviously.
19:48I'm very happy with the judge's decision.
19:50Well, the defendant was slow in paying.
19:52She ruined my credit.
19:53I didn't want it to end up like this.
19:55I have nothing against him, but I just felt, after $7,000, I felt like I was being taken
19:59advantage of at that point, and I had to stop.
20:02Well, it was $3,000 in damage.
20:04Actually, I'm not even going to lie.
20:05I was going into the lane, and I didn't see the car, so we just glided against each other.
20:09It's not even close to fixed.
20:11She did get into an accident.
20:12She paid to have it fixed with her own money.
20:15I'm a fair guy.
20:16I say, look, you're three months behind.
20:17I'm coming to get the car.
20:18He told the car.
20:19I didn't even know he told it.
20:20He just took it.
20:21We all learn a lot when we do things like this.
20:24But, you know, a good deed and then multiple deeds, you know, those don't get counted.
20:30Too much drama.
20:32It seemed to me that there was a sort of different endgame that plaintiff was after doing all
20:37those kind things, taking a car that he had already effectively sold to get repairs done and doing favors.
20:44I'm not sure.
20:45There's something off.
20:47That's probably true.
20:49Because if it doesn't make sense, it's usually not true.
20:51But there's something else there that just is so outrageous.
20:56That is when you have an original loan and, you know, you take it out and you really don't appreciate the fact that when you pay back that loan, even if it's in a relatively short period of time, you're paying back twice as much.
21:10Sometimes even more.
21:11Yeah.
21:12I think that you're probably better off getting a cheaper car, as long as it runs, to get you around rather than obligating yourself for a high credit loan.
21:25I would rather own something and build up my cash so that I could buy something and not have to have a 25% interest loan, even though I know that that's what makes the world go round.
21:37It's what keeps people poor rather than allowing you to move upwardly and forward.
21:44Yeah.
21:45Are you a victim of a scam?
21:47Go to JudyJustice.tv.
22:07Go, fight.
22:09Bye bye.
22:10Bye bye.
22:11Bye bye.
22:12Bye bye.
22:15I'll see you next time.
22:16Bye bye.
22:18Bye bye.
22:19Bye bye.
22:21Bye bye bye.