Bank Of India v. Sj Consignment Venture Et Ano

CourtCourt of Appeals of Washington
DecidedMarch 29, 2021
Docket80880-0
StatusUnpublished

This text of Bank Of India v. Sj Consignment Venture Et Ano (Bank Of India v. Sj Consignment Venture Et Ano) is published on Counsel Stack Legal Research, covering Court of Appeals of Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Bank Of India v. Sj Consignment Venture Et Ano, (Wash. Ct. App. 2021).

Opinion

IN THE COURT OF APPEALS FOR THE STATE OF WASHINGTON

BANK OF INDIA, SAN FRANCISCO ) No. 80880-0-I AGENCY, ) ) DIVISION ONE Respondent, ) ) UNPUBLISHED OPINION v. ) ) SHRENUJ USA, LLC, a Delaware limited ) liability company; SJ CONSIGNMENT ) VENTURE, LLC, a Delaware limited ) liability company, ) ) Appellant. ) )

ANDRUS, A.C.J. — SJ Consignment Venture LLC (SJC) purchased $5

million of jewelry from Shrenuj USA LLC (Shrenuj) shortly before Shrenuj went out

of business. Bank of India, San Francisco Agency (Bank), Shrenuj’s secured

creditor, successfully obtained a judgment against SJC for conversion of this

inventory after establishing on summary judgment that SJC was not a buyer in the

ordinary course. SJC challenges the summary judgment, arguing the trial court

erred in concluding it was not a buyer in the ordinary course and the Bank did not

waive its security interest in the collateral, denying SJC’s CR 56(f) continuance,

certifying the judgment against SJC as final under CR 54(b), and miscalculating

the judgment amount. We affirm.

Citations and pin cites are based on the Westlaw online version of the cited material. No. 80880-0-I/2

FACTS

Shrenuj supplied diamond rings, loose diamonds, gemstones, and other

supplies to jewelers and jewelry retailers. Established in 2005, Shrenuj was a

subsidiary of a leading India diamond conglomerate, the Shrenuj Group. Shrenuj

shared office space in Tukwila, Washington, with another Shrenuj Group

subsidiary, Simon Golub & Sons, Inc.

When Shrenuj sought to establish business relationships with major

retailers in the United States, the Bank extended Shrenuj a $4 million operating

line of credit. Shrenuj’s major retail customer, Signet Jewelers 1 (Signet), regularly

purchased jewelry from Shrenuj on consignment. Under the consignment

structure, Shrenuj sent Signet specifically identified jewelry which had a

“databased contract purchase price.” Signet marked up the jewelry, sold it to its

retail customers, retained the mark-up, and paid the contract purchase price to

Shrenuj.

The Bank and Shrenuj entered into a revolving credit agreement, a

revolving credit note, and a security agreement. Under the security agreement,

Shrenuj granted to the Bank “a continuing security interest in all of the personal

property of Borrower and any and all proceeds and products thereof . . . including

without limitation: . . . (b) Inventory . . . .” The Bank filed a UCC financing statement

to perfect its security interest in this collateral. The financing statement, like the

security agreement, identified the collateral as “[a]ll assets of [Shrenuj], whether

now owned or hereafter acquired and wherever located.”

1 Signet Jewelers is a group of jewelry retailers which includes Sterling Jewelers Inc., Sterling Inc., Sterling Jewelers LLC, Zale Delaware Inc., TXDC L.P., and Zale Canada Co.

-2- No. 80880-0-I/3

Shrenuj maintained a substantial balance on its line of credit, which peaked

in November 2014 at almost $3.5 million. The Bank and Shrenuj amended their

loan agreements in 2015, at which time Shrenuj agreed to make monthly payments

of all accrued interest and an additional monthly payment of $35,000 to reduce the

account balance. Shrenuj complied with these terms until February 2016, by which

time it reduced its balance to just over $2.9 million. But in March 2016, Shrenuj

defaulted on its obligations by failing to make its monthly payment. It made a

delinquent interest payment on April 21, 2016, but made no further payments to

the Bank.

On April 18, 2016, Shrenuj and SJC sent Signet a “Joint Letter of Direction

to Consignment Customers.” This letter notified Signet that as of April 1, 2016,

Shrenuj had sold and assigned to SJC all merchandise Shrenuj had sent to Signet

and all rights to payment with respect to that consigned merchandise. Shrenuj and

SJC directed Signet to send any payments for sales of consigned merchandise on

or after April 1 directly to SJC.

SJC paid Shrenuj a total of $5,087,036 for the inventory held by Signet

through four payments of amounts ranging from $489,000 to $800,000 between

May 4 and June 3, 2016. Shrenuj did not use any of the proceeds to pay off its

debt to the Bank.

On October 21, 2016, the Bank called Shrenuj’s loan and demanded

payment of $2,953,361, the outstanding balance on the credit note. When Shrenuj

failed to pay, the Bank filed a complaint in superior court for the appointment of a

receiver. On November 23, 2016, the superior court appointed the Stapleton

-3- No. 80880-0-I/4

Group Inc. as the general receiver (Receiver), authorizing it to take control of the

Shrenuj property, including its inventory and accounts receivable, wherever

located. By the time the court appointed the Receiver, Shrenuj was no longer in

business and had no employees performing any tasks for the company.

The same Receiver was acting as a court-appointed receiver for Shrenuj’s

sister company, Simon Golub & Sons, and through that appointment had become

familiar with Shrenuj’s operations. The Receiver took control of Shrenuj's bank

account and obtained a backup of the accounting system with which the Receiver

performed a forensic accounting. The Receiver discovered Shrenuj had a large

receivable from Signet and notified that company of the receivership. Signet,

which held a significant amount of Shrenuj’s jewelry inventory on consignment,

informed the Receiver of the Letter of Direction it had received from Shrenuj and

SJC. At the Receiver’s request, Signet ceased making payments to SJC and

retained the funds it owed to Shrenuj.

The Receiver, the Bank, and Signet negotiated an agreement under which

Signet would pay the Receiver all monies it held on account of the sale of Shrenuj

inventory and would pay the Receiver any money owed as the result of ongoing

sales of the remaining jewelry. When the Receiver sought court approval for this

agreement, SJC objected, contending it owned the inventory free and clear of the

Bank’s security interest.

The parties thereafter agreed Signet would pay the Receiver any funds

owed to Shrenuj for the sale of jewelry before April 1, 2016, and Signet would hold

all funds from post-April 1 sales pending a judicial determination of the Bank’s and

-4- No. 80880-0-I/5

SJC’s competing interest in the money and jewelry. The court approved this

agreement on February 5, 2018. By the time the court entered this order, Signet

had already sent SCJ sales proceeds of $1,095,486 and returned inventory worth

$2,757,641. Signet held another $235,340 from additional sales and retained

inventory with a book value of $929,623.

In March 2018, the Bank amended its complaint against Shrenuj to allege

a claim of conversion against SJC, alleging the inventory Shrenuj sold to SJC was

subject to the Bank’s security interest. It sought to foreclose on the cash and

inventory held by Signet and sought judgment against SJC for conversion of the

sale proceeds and inventory SJC had received from Signet.

Over 15 months later, the Bank moved for summary judgment, asking the

court to declare that the Bank held a first position security interest in all of Shrenuj’s

inventory consigned to Signet and the proceeds from the sale of that inventory, to

authorize Signet to release sales proceeds and the remaining inventory to the

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