Romonica D. McNeal v. James Jackson Car City LLC

CourtLouisiana Court of Appeal
DecidedJuly 16, 2025
Docket56,348-CA
StatusPublished

This text of Romonica D. McNeal v. James Jackson Car City LLC (Romonica D. McNeal v. James Jackson Car City LLC) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Romonica D. McNeal v. James Jackson Car City LLC, (La. Ct. App. 2025).

Opinion

Judgment rendered July 16, 2025. Application for rehearing may be filed within the delay allowed by Art. 2166, La. C.C.P.

No. 56,348-CA

COURT OF APPEAL SECOND CIRCUIT STATE OF LOUISIANA

*****

ROMONICA D. MCNEAL Plaintiff-Appellee

versus

JAMES JACKSON Defendant-Appellant CAR CITY LLC

Appealed from the Monroe City Court for the Parish of Ouachita, Louisiana Trial Court No. 2024-CV-01197

Honorable Tammy D. Lee, Judge

JAMES JACKSON In Proper Person, Agent for Car City LLC

ROMONICA D. MCNEAL In Proper Person

Before PITMAN, ROBINSON, and ELLENDER, JJ. ELLENDER, J.

James Jackson, owner of Car City LLC, appeals a judgment of the

Monroe City Court ordering him and Car City to pay the buyer, Romonica

McNeal, a refund of her down payment on a car plus incidental costs. For

the reasons expressed, we amend the judgment to conform to the

documentary proof of the down payment and to cast only Car City in

judgment, not Jackson individually.

THE PARTIES’ ALLEGATIONS

McNeal’s handwritten petition alleged she went to Car City, on

Winnsboro Road in Monroe, and bought a 2010 Camaro, canary yellow,

with 188,000 miles, for $11,800, paying $6,000 down and financing the rest.

The day she bought it, the headlights would not come on; Jackson told her

they would cut on eventually. The next day, when she cranked the car up, it

made all manner of noise and took 10 minutes to start; she then brought it to

a mechanic, who found “so many” diagnostic codes in the transmission and

motor. She then called Jackson, who told her the vehicle just needed a tune-

up and oil change; she brought it in, and Jackson carried it to Ink’s

Firestone, on Breard Street in Monroe, where they did some work on the car

but could not get the lights to work right. For two months she continued

trying to get Jackson to fix the car, but he kept putting her off. Meanwhile,

she lost her job with a trucking company, she asked for her down payment

back, and Jackson refused, so she filed this suit in Monroe City Court.

Jackson, also pro se, answered that McNeal bought the Camaro “as

is,” refusing to buy any warranty, on April 4, 2024. He denied she paid

$6,000 down, and asserted he refused to return her down payment because, under the contract, all deposits were nonrefundable. He felt the car drove

“very good,” and on April 18, 2024, McNeal posted to Facebook a picture of

herself standing in front of the car, bragging on it and saying how much she

loved the car. The problem, Jackson asserted, was that McNeal never made

one single payment on the car, so the lender repossessed it.

TRIAL EVIDENCE

The matter came to trial in Monroe City Court on July 29, 2024. Both

sides were self-represented, often testifying narratively and repetitively.

McNeal testified the sale price of the car was $11,800, she made a

down payment of $5,500, and, after costs, she still owed $8,381.92, which

she financed through Western Funding. From the impassive record, her

testimony is digressive and inconsistent; at various times, she said her down

payment was $5,000, $5,500, or $6,200. She admitted her first note was due

in June, but the car was still in the shop at the time, so she made no payment

and eventually returned the car. She added that Jackson subsequently placed

the same car for sale, on Facebook Marketplace, for $5,500 or $5,000, and

she thought he had sold it by the time of trial. She concluded that she

wanted her $6,000 deposit, a $275 “flag” on her license for failing to return

the tags, and $20 for the fine she paid for lack of registration.

McNeal offered three items of evidence. Ex. P-1, the bundle of

papers she signed when buying the car, includes a “Buyer’s Order” which

lists the down payment as $5,500 and the seller as Car City LLC (not

Jackson personally). Ex. P-2, papers from the Office of Motor Vehicles,

shows that she paid $20.00 to register the car, on April 8, 2024; her

registration and driver’s license were “blocked” because, as of May 20,

2024, she had dropped her liability coverage, with Progressive Paloverde 2 Insurance, and she would owe $275.00 for reinstatement. Ex. P-3, the

receipt from Ink’s Firestone, dated April 8, 2024, lists the customer as Car

City, shows work on the crankshaft, sensor, and spark plugs for a total of

$324.00, and is marked “Paid Cash.” It also bears the handwritten notation,

“Low beams are working properly – high beams are not.”

McNeal’s cousin, Talvin Eleam (Jackson called him a “friend” of

hers), tried to corroborate her testimony. He testified Jackson called McNeal

several times, begging her to make the first payment, so he (Jackson) would

not have to retake the car and refund Western Funding. However, the car

was such a lemon that she refused and returned the car to Car City.

Jackson’s testimony, like McNeal’s, was narrative and inconsistent,

and unreconcilable with McNeal’s. He said the buyer was aware the vehicle

was a sports car, with a “cam” in it, a “bumblebee Camaro,” all souped up;

she posted a picture of herself with the car on April 3, plainly showing the

lights were working. At various times, Jackson said the down payment was

$5,500 or $4,800. He described his financing arrangement with Western

Funding: if a borrower failed to make the first payment, he (Jackson) would

have to take back the car and repay Western Funding its advance (here,

$5,567). He was also out of pocket $1,393 for registration and plates.

Almost every other page of the trial transcript, he called McNeal a “liar” or a

“compulsive liar.”

Jackson also introduced several items of evidence. Ex. D-1 is a

screenshot of McNeal posing in front of the car, at night and with the lights

on; the picture is not dated. Ex. D-4 is a “funding notice” from Western

Funding, undated, but saying Car City’s sale to McNeal was “booked” and

Jackson would be receiving a net check of $5,567.00 within 30 days. Ex. D- 3 5 is a “notice of payment default and reassignment demand” from Western

Funding to Car City, dated May 26, 2024, saying the customer “failed to

tender one (1) payment * * * by the due date in the Contract,” and

demanding that Car City remit to Western Funding the advance plus a fee,

totaling $5,817.00. Ex. D-6 is a copy of Car City’s wire transfer of this

amount to Western Funding, dated May 28, 2024. Ex. D-12 is a screenshot

of McNeal’s Facebook page, April 18, 2024, with a picture of the Camaro

and her message, “Thanks bae /bd/bff 4 my new whip … loving it[.]” Ex.

D-13 is another screenshot from McNeal’s Facebook page, June 22, 2024,

saying, “Please do not purchase anything from this Carlot … he will take

your down payment … and lie to you and say it is A1 … He is a crook and

call himself a God fearing man. * * * u a low down dirty dog[.] * * * Didn’t

no bank repo no car. I told the bank to come get the car before the payment

was due.”1

ACTION OF THE CITY COURT

The City Court ruled from the bench that Jackson was “not telling the

truth.” The court found the sale was April 3, 2024, for a 2010 Chevy

Camaro, mileage 181,878, at a price of $11,800; however, the “book value”

was only $3,600, and it was “crazy” that Jackson would sell a car in this

condition at this price.2 The court initially stated the down payment was

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Romonica D. McNeal v. James Jackson Car City LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/romonica-d-mcneal-v-james-jackson-car-city-llc-lactapp-2025.