Rowell v. Carter Mobile Homes, Inc.

482 So. 2d 640
CourtLouisiana Court of Appeal
DecidedMarch 31, 1986
DocketCA 84 0834
StatusPublished
Cited by7 cases

This text of 482 So. 2d 640 (Rowell v. Carter Mobile Homes, Inc.) 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
Rowell v. Carter Mobile Homes, Inc., 482 So. 2d 640 (La. Ct. App. 1986).

Opinion

482 So.2d 640 (1984)

Ray and Annette ROWELL
v.
CARTER MOBILE HOMES, INC., et al.

No. CA 84 0834.

Court of Appeal of Louisiana, First Circuit.

July 6, 1984.
Rehearing Denied February 7, 1986.
Writ Granted March 31, 1986.

*641 S. Michael Cashio, Kenner, for Ray and Annette Rowell.

*642 William R. Brough, New Orleans, for Carter Mobile Home, Inc. and Commercial Union Insurance Co.

Richard D. McShan, Greenburg, for Calvin Cernich.

Mark C. Surprenant, New Orleans, for Tidwell Industries, Inc.

Daniel R. Atkinson, E. Clark Gaudin, Baton Rouge, for Louisiana National Bank of Baton Rouge.

Ken Ruhl, King of Prussia, Pa., for Northeastern Fire Insurance Co.

H.F. Foster, III, New Orleans, for Guaranty National Insurance Co.

J. Michael Cutshaw, Baton Rouge, amicus curiae.

Before LOTTINGER, COLE and CRAIN, JJ.

COLE, Judge.

This appeal involves a suit for personal injuries filed by plaintiffs, Ray and Annette Rowell. Judgment was rendered in favor of the plaintiffs and against defendant, Louisiana National Bank of Baton Rouge (LNB). LNB has appealed.

FACTS

Due to a default in loan payments, LNB initiated foreclosure proceedings in August of 1981 on a 1977 Tidwell Dorado mobile home upon which it held a chattel mortgage. LNB eventually acquired title to this mobile home at sheriff's sale.[1] It then requested that Carter Mobile Homes, Inc. (Carter), the original vendor, pick up the mobile home and take it to Carter's lot in Greensburg for resale. This was the customary arrangement between LNB and Carter with respect to mobile homes repossessed by LNB. It was also part of their customary arrangement for Carter to attend to the performance of any repairs which might be necessary on mobile homes which had been repossessed by LNB. LNB relied entirely on Carter's expertise in this area.

In November of 1981, plaintiffs were interested in purchasing a used mobile home. They visited the Carter lot in Greensburg for this purpose, but failed to find a suitable home on this occasion. On a second occasion Mrs. Rowell returned alone and was shown the 1977 Tidwell mobile home repossessed by LNB. She was not informed of LNB's ownership of this mobile home.

Mrs. Rowell expressed interest in this mobile home, but noted certain areas of the floor were in very poor condition and badly in need of repair. The Carter salesperson assisting Mrs. Rowell assured her this flooring would be repaired prior to sale.

Sometime thereafter this mobile home was repaired by and/or under the supervision of Mr. Calvin Cernich, an employee of Carter.[2] These repairs were authorized *643 by LNB under its customary arrangement with Carter. There is no indication LNB was actually involved or gave any specific instructions as to what repairs were to be performed on this particular mobile home. Cernich testified he generally either received his instructions from Carter or exercised his own discretion as to what repairs were necessary on a particular mobile home. He had no independent recollection of the repairs performed on the mobile home purchased by plaintiffs. However, the invoice prepared by him for these repairs indicates flooring in the living room, kitchen and bathroom was replaced. The charge for these repairs was $1,105.00 for labor and $369.21 for parts, a total of $1,474.21.

On November 23, 1981, after completion of the repairs, Carter executed a bill of sale in Greensburg purportedly transferring title of this mobile home to plaintiffs for a cash price of $10,500.00. Plaintiffs gave Carter a $1,000.00 cash down payment and executed a promissory note made out to the order of bearer for the remaining balance. They also executed a chattel mortgage on the mobile home, which listed Carter as the mortgagee/seller.

Shortly after these papers were signed, Carter contacted LNB's collection manager, Mr. Philip Stanley, in Baton Rouge and informed him of the execution of these documents. Mr. Stanley then had a bill of sale drawn up in authentic form, dated November 23, 1981, transferring title of the mobile home from LNB to Carter for a stated consideration of $10,500.00, receipt of which was acknowledged. On November 29, 1981, Carter assigned to LNB both the chattel mortgage and promissory note executed by plaintiffs. On December 8, 1981, Carter made out a check to LNB for $1,000.00, representing the down payment made by plaintiffs.

Upon initially taking possession of the mobile home, plaintiffs noted nothing amiss with the floors, which appeared to have been satisfactorily repaired. However, within two weeks plaintiffs began noticing weak spots in the floor, especially in the living room area. Mrs. Rowell testified she called Carter regarding this problem on several occasions, but no one was ever sent out in response. On January 5, 1982, as Mr. Rowell entered through the front door of the mobile home his left leg went completely through the floor, causing him to fall in a straddled position and severely injure his back. The point at which Mr. Rowell fell was not one of the weak spots previously noticed by plaintiffs.

PROCEDURAL POSTURE

In addition to plaintiffs' original petition filed December 8, 1982, supplemental and amending petitions were filed. Carter and its insurers, Northeastern Fire Insurance Company of Pennsylvania, Commercial Union Insurance Company and Guaranty National Insurance Company; Tidwell Industries, Inc. (Tidwell), the original manufacturer of the mobile home; Calvin Cernich; and LNB were named as parties defendant in the composite pleadings. In addition to responding to the main demand, several of the defendants filed third party demands against other defendants, including one by LNB on February 24, 1983, naming Carter, Cernich and Tidwell as third party defendants. In their third party demand LNB sought judgment over and against these third party defendants for any amount for which it might be held liable to plaintiffs on the main demand.

Prior to trial plaintiffs settled with and released Tidwell, Carter and Carter's insurers, Commercial Union and Guaranty National. These defendants were dismissed from the main demand upon various motions. Plaintiffs had previously sought and were granted an order dismissing Northeastern Fire, without prejudice. In response LNB filed an amended answer claiming it was entitled to a reduction in any judgment rendered against it, commensurate *644 with the responsibility of the released defendants under the laws of indemnity, comparative negligence and/or contribution.

At trial of the matter on March 7, 1984, Carter, Commercial Union and Guaranty National, all of which had settled with plaintiffs and been dismissed, orally moved for a dismissal of LNB's third party claim against Carter. The dismissal of LNB's third party claim as to Carter was granted by the trial court over the objections of counsel for LNB. The trial then proceeded against the remaining defendants, Cernich and LNB. Following trial, the matter was taken under advisement and the trial court ultimately rendered judgment in favor of plaintiffs and against LNB. Judgment was awarded in the amount of $469,546.12, which was itemized as follows: past pain and suffering, $100,000; future pain and suffering, $100,000; past and future mental pain and suffering, $50,000; past loss wages, $24,169; future loss wages, $183,399.04; and, past medical expenses, $11,978.08.

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