Roberta J. Huber, AKA Roberta Chris Holter v. Union Planters National Bank of Memphis

491 F.2d 846, 1974 U.S. App. LEXIS 10178
CourtCourt of Appeals for the Sixth Circuit
DecidedFebruary 7, 1974
Docket73-1314
StatusPublished
Cited by3 cases

This text of 491 F.2d 846 (Roberta J. Huber, AKA Roberta Chris Holter v. Union Planters National Bank of Memphis) is published on Counsel Stack Legal Research, covering Court of Appeals for the Sixth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Roberta J. Huber, AKA Roberta Chris Holter v. Union Planters National Bank of Memphis, 491 F.2d 846, 1974 U.S. App. LEXIS 10178 (6th Cir. 1974).

Opinions

LIVELY, Circuit Judge.

Plaintiff sought damages pursuant to 42 U.S.C. § 1983 and 28 U.S.C. § 1343 for violation of rights guaranteed to her by the Fourth and Fourteenth Amendments to the Constitution of the United States. The alleged deprivation consisted of taking possession of and withholding from the plaintiff a 1971 Chevrolet Malibu automobile. Both parties moved for summary judgment. The plaintiff filed three depositions and two sworn statements with her motion. The district court granted the motion of the defendant and entered judgment accordingly.

In September 1971 the plaintiff purchased a Chevrolet from a dealer in Albuquerque, New Mexico under a “New Mexico Motor Vehicle Installment Contract” by which she agreed to make a payment on the fifth day of each month for 36 months. The contract was subsequently assigned to the First National Bank of Albuquerque. In May 1972 when she was in default on one payment under the contract, plaintiff drove the car from Albuquerque to Memphis, Tennessee without advising the Albuquerque bank of her departure. On June 5, 1972 plaintiff missed her second payment.

On June 9, 1972 an employee of the defendant Memphis bank, at the request of the Albuquerque bank, took possession of the car and had it towed to a storage lot. No judicial process was employed by the defendant. Instead, possession was taken pursuant to a “self-help” article of the contract which provided, in part:

In the event Buyer defaults in any payment . . . Seller shall have all the rights and remedies of a Secured Party under the Uniform Commercial Code, including the right to [848]*848repossess the Property wherever the same may be found with free right of entry. . . .

Plaintiff admitted having signed the contract, though she stated in her deposition that she had not read it.

After learning from the Memphis police that the defendant was holding her automobile, plaintiff went to the Memphis bank and talked with Mr. Burkett, the collection manager. After some discussion, it was agreed that plaintiff could remove her possessions from the car. She refused to leave the keys with the bank and continued to demand the return of the car. A few days later plaintiff went to the storage lot where the car was parked and drove it away. She took it to the Millington Naval Air Station near Memphis where her husband was stationed. The car was left parked within the Navy base and was ticketed for illegal parking on June 12. The next day the Navy had the car towed off the base for having no pass. It was removed to a nearby service station by a wrecker company which contracted with the Navy for such services. The traffic court judge at the Navy Air Station directed the operator of the wrecker service not to release the ear to anyone without a court order. The wrecker operator, who also owned the service station lot where the car was stored after removal from the Navy base, stated that he was holding the car for the Navy after towing it to the lot.

An attorney in Memphis stated in his deposition that he was contacted by Mr. Burkett and requested to bring an action for possession of the car on behalf of the Albuquerque bank. He was told that plaintiff was in default and that the automobile was on the storage lot near the Air Station. The attorney had no direct contact with the Albuquerque bank before filing a replevin action on June 15, though he did receive a copy of the contract and discuss the case with several employees of the Albuquerque, bank before the hearing on June 21 at which a “Judgment in Replevin” was entered by a judge of the General Sessions Court of Shelby County, Tennessee. The attorney stated that he represented the Albuquerque bank only in the replevin action and that bank paid his entire fee. At the replevin hearing an employee of the Memphis bank testified as an agent of the Albuquerque bank as to the contract provisions and plaintiff’s default. Following entry of judgment in favor of the Albuquerque bank the car was returned to Albuquerque and eventually sold. Prior to the sale an attorney for plaintiff was advised in writing that plaintiff had ten days to submit a bid on the car or pay her account in full.

In its memorandum decision, the district court wrote that—“Counsel for plaintiff made it clear at argument on the motions for summary judgment that he does not base his claim under § 1983 on the self-help repossession made by defendant Union Planters Bank on June 9, 1972.” Nevertheless, in argument and brief in this court plaintiff has attacked the non-judicial repossession carried out by the Memphis bank and seeks to have us declare Tennessee Code Annotated (TCA) § 47-9-503 (§ 9-503 of the Uniform Commercial Code) unconstitutional. In her brief the plaintiff described her position in the district court as follows:

Plaintiff advised the Court, during argument, that she did not predicate her action for damages upon that first taking, for the sole reason that plaintiff had thereafter reacquired the possession of her automobile. The pleading and proof as to such action was offered solely to show the quantum of involvement herein by the defendant bank.

Since plaintiff did not contest the legality of the first taking, and did not base her only claim for relief upon it, we may not examine its legality on appeal. Therefore the constitutionality of Tennessee’s “self-help” Uniform Commercial Code provision is not before us. We thus begin our consideration of this case at the point where the automobile was in the rightful possession of the Memphis bank as agent of the Albuquerque bank [849]*849pursuant to the contract executed by-plaintiff.

The question before us is whether the defendant Memphis bank violated plaintiff’s constitutional rights by causing a replevin action to be brought in the name of the Albuquerque bank by which the sheriff took possession of the car before a hearing. The plaintiff relies principally on Fuentes v. Shevin, 407 U.S. 67, 92 S.Ct. 1983, 32 L.Ed.2d 556 (1972), in which the Supreme Court held that “ . . . the Florida and Pennsylvania prejudgment replevin provisions work a deprivation of property without due process of law insofar as they deny the right to a prior opportunity to be heard before chattels are taken from their possessor.” (emphasis added) 407 U.S. at 96, 92 S.Ct. at 2002. The Tennessee replevin statutes were held unconstitutional “insofar as they authorize a deprivation of property without the right to a prior opportunity to be heard before chattels are taken from their possessor” (emphasis added) in Mitchell v. State of Tennessee, 351 F. Supp. 846, 847 (W.D.Tenn.1972). Admittedly the sheriff took possession of the Chevrolet on June 15 prior to any judicial hearing though the car was not delivered to the bank until after the hearing. The plaintiff was named a defendant along with T. & R. Wrecker Service in the replevin action (plaintiff’s name was incorrectly spelled and the only address given for her on the writ of replevin was that of the wrecker service), but she was not served with the writ. At the hearing on June 21, 1972 the judge of the General Sessions Court entered a non-suit as to plaintiff. She testified in her deposition that she had no notice of the hearing.

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491 F.2d 846, 1974 U.S. App. LEXIS 10178, Counsel Stack Legal Research, https://law.counselstack.com/opinion/roberta-j-huber-aka-roberta-chris-holter-v-union-planters-national-bank-ca6-1974.