Allison v. Simmons

306 S.W.2d 206, 1957 Tex. App. LEXIS 2081
CourtCourt of Appeals of Texas
DecidedOctober 2, 1957
Docket3455
StatusPublished
Cited by37 cases

This text of 306 S.W.2d 206 (Allison v. Simmons) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Allison v. Simmons, 306 S.W.2d 206, 1957 Tex. App. LEXIS 2081 (Tex. Ct. App. 1957).

Opinion

McDonald, Chief Justice.

This is an appeal from a judgment for $5822.40 rendered upon a jury verdict in favor of appellee (plaintiff in the Trial Court), Mrs. Clydie Simmons, against appellants (defendants in the Trial Court),’ Triangle Loan Service, W. D. Caldwell and Mrs. J. A. Allison (and W. L. Caldwell, *208 defendant in the Trial Court who did not appeal), the two Caldwells and Mrs. Allison being owners of Triangle Loan Service.

Plaintiff sued defendants, alleging a conspiracy, interlocking ownership, or joint operation in a usurious brokerage device and an unreasonable harassment program to collect usurious interest. Plaintiff prayed for double damages for usurious interest collected, actual damages for mental and physical illness and loss of pay caused by the excessive harassment, and for exemplary damages because the collection contacts were malicious.

The recovery was for usury and also for damages alleged to have been brought about by appellants’ unreasonable, harsh collection efforts, which caused appellee to suffer mental and emotional pain and physical illness.

Originally plaintiff was joined by another borrower as co-plaintiff and included other loan agencies and their owners as co-defendants. On special exceptions of the appellants and other original co-defendants, the Trial Court ordered a severance of the other borrower and the other co-defendants from this cause.

Trial was to a jury, which, in answer to Special Issues, found:

1) On each of four dates, Triangle handled loans with plaintiff.

2) On each of four dates, Triangle failed to advise plaintiff it was a broker.

3) On each of four dates, Triangle guaranteed plaintiff’s loans.

4) On each of four dates, Triangle advanced money to plaintiff without prior approval by the payee.

5) On each of four dates, Triangle handled loans under a business practice whereby the payee on the notes always accepted the loans of Triangle.

6) On. each of four dates, Triangle was placing all its loans with only one agency.

7)On each of four dates, Triangle used forms which, prior to each loan transaction with plaintiff, already contained thereon the name of payee.

9) W. L. Caldwell had an ownership interest in United Credit Co., Inc.

10) Mrs. J. A. Allison had an ownership interest in United Credit Co., Inc.

13) Mrs. J. A. Allison had an ownership interest in Federal Mortgage Credit Co., Inc.

15) On each of four dates, Triangle handled loans to plaintiff with a purpose of obtaining compensation for the use of money.

16) Plaintiff made certain payments to Triangle, including $5.60 in each of the last two loans.

17) W. L. Caldwell had an ownership interest in Triangle.

18) W. L. Caldwell participated in a conspiracy with Mrs. J. A. Allison to conceal his ownership interest in Triangle.

19) W. L. Caldwell participated in a conspiracy with W. D. Caldwell to conceal his ownership interest in Triangle.

20) Mrs. J. A. Allison had an ownership interest in Triangle.

21) W. D. Caldwell had an ownership interest in Triangle.

22) W. L. Caldwell exercised certain control over Triangle.

23) Triangle made unreasonable collection contacts against plaintiff.

24) Triangle made wanton collection contacts against plaintiff.

25) Triangle made collection contacts against plaintiff with a purpose of causing plaintiff mental or emotional pain and suffering and loss of work.

26) Plaintiff did suffer mental or emotional pain and suffering and physical illness.

*209 27) Triangle's collection contacts were a proximate cause of plaintiff’s mental and emotional pain and suffering and physical illness.

28) The sum of money which would reasonably compensate plaintiff for such mental and emotional pain and suffering and physical illness and loss of compensation and employment resulting from Triangle’s collection contacts is $800.

29) Mrs. J. A. Allison authorized or ratified said collection contacts.

30) W. D. Caldwell authorized or ratified said collection contacts.

31) W. L. Caldwell authorized or ratified said collection contacts.

32) Collection contacts of Triangle were actuated by malice.

33) W. L. Caldwell authorized or ratified malicious contacts.

34) W. L. Caldwell should pay $3,000 as exemplary damages.

35) W. D. Caldwell ratified malicious contacts.

36) W. D. Caldwell should pay $1,000 as exemplary damages.

37) Mrs. J. A. Allison ratified malicious contacts.

38) Mrs. J. A. Allison should pay $1,000 as exemplary damages.

39) W. L. Caldwell, after being served in this cause, authorized C. C. Renfro to take such action on his behalf as he saw fit.

40) Plaintiff had not been compensated in full by the $2,550 she had received in settlements from other loan offices.

The Trial Court entered judgment on the foregoing verdict for plaintiff for $22.-40 as double damages for usurious interest charged; $800 actual damages for harassment; $3,000 exemplary damages against Triangle Loan Service and W. L. Caldwell ; $1,000 exemplary damages against Trian - gle Loan Service and W. D. Caldwell; and $1,000 exemplary damages against Triangle Loan Service and Mrs. J. A. Allison. All defendants except W. L. Caldwell have appealed.

Briefly, the record before us reflects that Triangle Loan Company handled loans for plaintiff; that Triangle did not advise plaintiff that it was a broker — not lending the money itself, but arranging loans with United Credit Company and other loan concerns; a fee for arranging the loans was charged; that W. L. Caldwell, W. D. Caldwell and Mrs. J. A. Allison all had an ownership interest in both concerns; that Triangle, with the knowledge and consent of the Caldwells and Mrs. Allison, made harsh and unreasonable collection contacts against plaintiff, which caused her physical and mental suffering. The charges made of plaintiff for use of the money were usurious.

Appeal is grounded upon some 25 points presenting some nine separate contentions. These contentions will be discussed in the same order as presented by appealing defendants.

The 1st contention complains of the action of the Trial Court in overruling defendants’ objection to the testimony of Dr. Needham relating to his treatment of plaintiff for arthritis, and in permitting plaintiff leave to file a trial amendment. Plaintiff did not plead arthritis as one of her infirmities. Dr. Needham started treating plaintiff 4 March 1954 and has been treating her since; before him other doctors in the Samuell Clinic had been treating her. Dr.

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Bluebook (online)
306 S.W.2d 206, 1957 Tex. App. LEXIS 2081, Counsel Stack Legal Research, https://law.counselstack.com/opinion/allison-v-simmons-texapp-1957.