Wilson v. Direct Cable Technologies, Inc.

964 F. Supp. 1548, 1997 U.S. Dist. LEXIS 6150, 1997 WL 219907
CourtDistrict Court, M.D. Alabama
DecidedApril 22, 1997
DocketCivil A. 96-A-1156-E, 96-A-1157-E, and 96-A-1172-E thru 96-A-1175-E
StatusPublished
Cited by2 cases

This text of 964 F. Supp. 1548 (Wilson v. Direct Cable Technologies, Inc.) is published on Counsel Stack Legal Research, covering District Court, M.D. Alabama primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Wilson v. Direct Cable Technologies, Inc., 964 F. Supp. 1548, 1997 U.S. Dist. LEXIS 6150, 1997 WL 219907 (M.D. Ala. 1997).

Opinion

MEMORANDUM OPINION

ALBRITTON, District Judge.

I. INTRODUCTION

This cause is before the court on the Motions for Summary Judgment filed by defendants American General Financial Center (“AGFC”) and Dow Electronics, Inc. (“Dow Electronics”) on January 24, 1997 in Civü Action Nos. 96-A-l 156-E, 96-A-1157-E, 96-A-1172-E, 96-A-1173-E, 96-A-1174-E, and 96-A-1175-E.

On June 13, 1996, Gerry W. Wüson (“Wilson”), J.W. Nelson, and Mary Frances Nelson (“M.Ñelson”), and on June 20,1996, Martin Johnson (“Johnson”), Anthony Prescott (“Prescott”), Harlan Burton (“H.Burton”), and Lanier Burton (“L.Burton”), (coUectively “the Plaintiffs”) filed their respective cases in the Circuit Court of TaUapoosa County, Alabama, each naming the foüowing defendants: Direct Cable Technologies, Inc. (“Direct Ca *1551 ble”); American General Finance, Inc. (Alabama) (“AGF (Alabama)”); AGFC; American General Finance Corporation (“AGF Corporation”); American General Finance, Inc. (Indiana) (“AGF (Indiana)”); American General Corporation (“AGC”); American General Finance Management Corporation (“AGFMC”); Dow Electronics; Dow Financial, Inc. (“Dow Financial”); and fictitious defendants one through fifteen.

In their respective complaints, each Plaintiff asserts the following claims: fraudulent misrepresentation; fraudulent suppression of material facts; deceit; willful, wanton and/or negligent misrepresentation; breach of contract; negligent and/or wanton training or supervision; negligent and/or wanton sale; and conspiracy. '

On July 17, 1996, Johnson, Prescott, H. Burton, and L. Burton, and on July 19, 1996, J.W. Nelson and M. Nelson, filed an Amended Complaint in the Circuit Court of Tallapoosa County, Alabama substituting AGFC for one or more fictitious defendants. Similarly, on July 19, 1996, Wilson filed an Amended Complaint in the Circuit Court of Tallapoosa County, Alabama substituting Card Services for one or more fictitious defendants.

On July 22, 1996 and July 24, 1996, and by addendum on July 26,1996, these cases were removed to this court.

On December 24, 1996, the court ordered the Plaintiffs’ eases consolidated for all pretrial matters.

No service of process having been had on Card Services or on Direct Cable, it is ORDERED that Card Services and Direct Cable are DISMISSED without prejudice pursuant to Rule 4(m), Fed.R.Civ.P. Also, it is undisputed that Dow Financial was not a separate entity but was an operating division of Dow Electronics. Therefore, it is ORDERED that Dow Financial is DISMISSED as a separate party-defendant in all of the Plaintiffs’ cases. After the dismissals and previous orders of the court, AGFC and Dow Eleetronics (collectively “the Defendants”) are the only remaining defendants in each of the Plaintiffs’ cases.

The court does not find oral argument to be necessary, and the Plaintiffs’ requests for oral argument are DENIED.

This court has subject matter jurisdiction in each of the Plaintiffs’ cases pursuant to 28 U.S.C. § 1332, based upon the parties’ diversity of citizenship and an amount in controversy exceeding $50,000.00, exclusive of interest and costs.

For the reasons that follow, the court finds that the Motions for Summary Judgment are due to be GRANTED in all of the Plaintiffs’ eases.

II. FACTS

Submissions before the court establish the following facts: 1 .

All of the Plaintiffs are Alabama residents. AGFC is a Utah corporation with its principal place of business in Utah. Dow Electronics is a Florida corporation with its principal place of business in Florida.

In June 1994, each of the Plaintiffs heard a sales presentation by Newman, a Direct Cable representative, concerning a satellite programming system. Newman told them that the system would cost $39.00 per month for five years, and after five years they would only have to pay $19.00 per month for programming. Newman never told them that an interest rate would be applied to the balance of their respective accounts each month.

Shortly thereafter, each of the Plaintiffs decided to purchase the satellite programming system and signed documents that Newman provided to them. Among these signed documents was a credit application, which states that the system’s purchase price was being financed by AGFC through a revolving credit card account. The credit application also states that the purchaser would *1552 be bound by the terms of the card holder agreement. That agreement, attached to the credit application, states that the annual percentage rate for the purchase of the system would be 15.96%, and states that the purchaser would be assessed a finance charge based upon the annual percentage rate if the purchaser did not pay off the balance.

Dow Electronics, a wholesale distributor of electronic products to retailers, facilitated AGFC’s financing of the Plaintiffs’ satellite programming systems. AGFC subsequently approved the financing of all the Plaintiffs’ respective system purchases. At least several months later, well after the Plaintiffs’ systems were installed, the Plaintiffs first complained about the AGFC financing arrangement.

III. SUMMARY JUDGMENT ■ STANDARD

The purpose of a ■ motion for summary judgment is to challenge the contention that a case presents a genuine issue of material fact necessitating a trial. See Matsushita Elec. Co. v. Zenith Radio Corp., 475 U.S. 574, 586, 106 S.Ct. 1348, 1356, 89 L.Ed.2d 538 (1986). Under Rule 56(c) of the Federal Rules of Civil Procedure, summary judgment is proper “if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to a judgment as a matter of law.” Celotex Corp. v. Catrett, 477 U.S. 317, 322, 106 S.Ct. 2548, 2552, 91 L.Ed.2d 265 (1986).

The movant “always bears the initial responsibility of informing the district court of the basis for its motions.” Id. at 323, 106 S.Ct. at 2553. Accordingly, summary judgment is appropriate if the movant demonstrates that the non-movant has “fail[ed] to make a showing sufficient to establish the existence of an element essential to that party’s case, and on which that party will bear the burden of. proof at trial.” Id. at 322, 106 S.Ct. at 2552; Tidmore Oil Co. v. BP Oil Co., 932 F.2d 1384, 1387-8 (11th Cir.), cert. denied, 502 U.S. 925, 112 S.Ct.

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964 F. Supp. 1548, 1997 U.S. Dist. LEXIS 6150, 1997 WL 219907, Counsel Stack Legal Research, https://law.counselstack.com/opinion/wilson-v-direct-cable-technologies-inc-almd-1997.