Yvonne Barbara Jackson v. Commonwealth

CourtCourt of Appeals of Virginia
DecidedDecember 12, 2006
Docket1752052
StatusUnpublished

This text of Yvonne Barbara Jackson v. Commonwealth (Yvonne Barbara Jackson v. Commonwealth) is published on Counsel Stack Legal Research, covering Court of Appeals of Virginia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Yvonne Barbara Jackson v. Commonwealth, (Va. Ct. App. 2006).

Opinion

COURT OF APPEALS OF VIRGINIA

Present: Judges Benton, Clements and Beales Argued at Richmond, Virginia

YVONNE BARBARA JACKSON MEMORANDUM OPINION* BY v. Record No. 1752-05-2 JUDGE JAMES W. BENTON, JR. DECEMBER 12, 2006 COMMONWEALTH OF VIRGINIA

FROM THE CIRCUIT COURT OF HENRICO COUNTY Catherine C. Hammond, Judge

John W. Luxton for appellant.

Josephine F. Whalen, Assistant Attorney General (Robert F. McDonnell, Attorney General, on brief), for appellee.

Yvonne Barbara Jackson contends the evidence was insufficient to support her conviction

for obtaining money by false pretenses. We agree and reverse the conviction.

I.

The indictment returned by the grand jury charged that Yvonne Barbara Jackson “did

feloniously obtain by false pretenses, money . . . in an amount greater than $200.00 from Linda

Christian-Pierce, in violation of [Code] § 18.2-178.” All the witnesses who testified at the bench

trial did so in the Commonwealth’s case-in-chief.

Christian-Pierce testified she met with Jackson “toward the end of October 2002” at the

home of Paula Cotman, a mutual friend, who knew Christian-Pierce wanted to refinance her home

mortgage. Christian-Pierce had obtained several home mortgages in the past and wanted to

refinance a mortgage she had obtained a year earlier; however, her credit “wasn’t perfect.” She

* Pursuant to Code § 17.1-413, this opinion is not designated for publication. informed Jackson she “wanted some cash out . . . about $10,000” and gave Jackson documents from

her previous refinancing to assist Jackson in completing an application. Christian-Pierce testified

Jackson discussed compensation at some point during the hour-long meeting.

Q: . . . [H]ow would she get paid? Did she tell you anything about that?

A: Oh yeah. She, um, explained something about she got paid by some points or something. I couldn’t understand what the point system or whatever that was, so I asked her about how much would that be? And she said between about $2,000 to $3,000.

Q: Okay. And did she tell you how you would have to pay her or how she would be paid?

A: Yes, she said that she would get enough, because I told her I didn’t have the money, you know, to pay her out front, and she said she would get enough cash out that I could give her, with her pay out of that, out of what I got for cash.

Christian-Pierce testified Jackson said “[t]hat was the fee she charged . . . for doing the

paperwork . . . that whole application, that was her job.” Christian-Pierce explained, “She stated

that . . . was how she got paid, that was the only way she was getting paid to process the loan.”

She also testified Jackson did not identify a company that would provide the financing and did

not say “who she worked for.”

Cotman testified she was present when Jackson talked to Christian-Pierce about the loan

refinancing. She said Jackson “did not make [any] statement about how she would get paid.”

Cotman’s son and daughter-in-law were also present. Cotman’s son explained his recollection of

the payment arrangement:

Q: Okay. Do you remember Ms. Jackson making any comments about how she would be paid for this?

A: She said that . . . Ms. Christian would have to pay her.

Q: Okay. And did she make any relation about why her company wouldn’t pay her?

-2- A: No, she did say her company wasn’t going to pay her and Ms., Ms. Christian had to pay her.

Cotman’s daughter-in-law testified that Jackson said “the company she works for doesn’t pay

her, so . . . she would have to take the money out of the . . . refund that she’s getting back from

the . . . refinancing.”

A week later, Christian-Pierce delivered additional documents to Jackson and met with

her on other occasions about refinancing the loan. During all of these discussions, Jackson never

disclosed a name for her employer or the sources she contacted about the loan refinancing.

Jackson later contacted Christian-Pierce and told her to go to Challenge Mortgage Company to

meet Jericho Cherry and to sign more documents.

Cherry, a branch manager for Challenge Mortgage Company, testified Jackson was not

an employee of Challenge Mortgage in October 2002. He said Jackson brought to him

documents concerning Christian-Pierce in October or November, and he described the

circumstances as follows:

[Jackson] had left one company and was in process of coming on board with us at Challenge Mortgage. And she had some loans that she had, was working when she was with the other company and needed those loans, and so I agreed to do those loans, . . . while she was in transition coming over to Challenge Mortgage.

Cherry testified Jackson was having a difficult time securing a loan for Christian-Pierce,

and he explained this was a “sub-prime” conventional loan which is more difficult to obtain

because they are for “people that have credit issues, they . . . don’t have credit.” When Cherry

received the documents from Jackson, he said he would give Jackson “some money,” but made

no commitment to pay her a pre-determined fee. He testified Jackson’s fee would be “based on

the fees [his company] collected,” but Jackson did not know “what the exact amount would be.”

Cherry processed the documents, and his company acted as a broker to secure a sub-prime loan

for Christian-Pierce from a mortgage lender.

-3- Christian-Pierce went to Challenge Mortgage in November and signed documents

necessary to obtain refinancing for her loan. She did not ask Cherry about his fees, and Cherry

did not disclose his fees. Later, Jackson informed her the loan had been approved. When

Jackson accompanied Christian-Pierce to the title company’s office for the loan closing, the

closing documents had not been completed. A week later on December 13, Christian-Pierce

returned alone to the title company and signed the necessary documents in the presence of an

attorney. She received a “H.U.D.” statement, which disclosed payments and disbursements

connected with the loan refinancing. The statement showed $98,800 as the principal amount of

the new loan, and it showed fees paid to Challenge Mortgage, but did not show any fees paid to

Jackson. It also showed a disbursement of $12,890.49 to Christian-Pierce. Sometime that same

day, Jackson called Christian-Pierce and told her how to deposit Jackson’s fee.

Christian-Pierce received the disbursement check three days after the closing. In

accordance with Jackson’s earlier direction, she went to the bank that issued the disbursement

check and obtained two cashier checks payable to herself, one in the amount of $3,430 and the

other for the balance. She deposited the $3,430 check into an account Jackson jointly shared

with her son. Christian-Pierce testified she made the deposit because “that was the fee [Jackson]

charged.”

Two weeks after the closing, Cherry paid Jackson $1,053 from Challenge Mortgage’s

fee. He testified as follows:

I call it a marketing referral fee because at the time, she was not officially on board with Challenge Mortgage. She was in transition. So it was not actually a commission that was paid directly from Challenge Mortgage. That was the marketing fee.

Cherry explained he could not pay Jackson commissions for the loans she helped facilitate

because she was not an employee of Challenge Mortgage. He testified that Jackson and

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Hubbard v. Commonwealth
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CORRETT v. Commonwealth
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Bourgeois v. Commonwealth
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Dickerson v. City of Richmond
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Bishop v. Commonwealth
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Hancock v. Commonwealth
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Mosteller v. Commonwealth
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Hagy v. Commonwealth
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