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00:00You went to his house, and you vandalized the car.
00:04That's not true.
00:05She had a little knife in her hand,
00:07and I heard the big loud.
00:12Stabbed my tie.
00:14She all the way crazy.
00:16You got furious with him because he broke up with you?
00:21No.
00:22This is Judy Justice.
00:42Pandora Anderson is suing her ex-boyfriend, Damon Billingsley,
00:48for an unpaid loan and filing a false restraining order.
00:52Court coming to order.
00:53All rise.
00:55Have a seat, please.
00:58Judge case 4071, Anderson v. Billingsley.
01:01You're welcome.
01:03Ms. Anderson, the defendant is a former boyfriend of yours.
01:07Yes.
01:08How long were you together?
01:09Just three months.
01:10And there came a point when the defendant needed a car.
01:15And this was while you were dating.
01:17Yes.
01:17You said you had a brother in the car business.
01:19He went to your brother's lot.
01:21And through your brother, he bought a car.
01:23Yes.
01:24For how much, sir, and when?
01:25$5,300 all together.
01:27And did you buy it directly from him?
01:29I did.
01:30So he got the commission on the sale of the car.
01:32Yes.
01:33It's his shop.
01:34Yes.
01:34And what model make?
01:3709G Liberty.
01:38Did you pay cash for it or did you take out a loan?
01:40Cash.
01:41And you had the car for a period of time when the transmission went.
01:45That's correct.
01:45How much after you purchased the car?
01:47Not even a month.
01:48About a month.
01:49And you were still dating the plaintiff.
01:50So you had no more money, according to the plaintiff.
01:54And she took out a personal loan for you to get a new transmission for the car.
01:59That's correct.
02:00And the loan was for how much?
02:01The loan was for $4,500.
02:03And that's what she's suing for because the two of you are no longer an item.
02:07You were together for three months.
02:09You broke up.
02:10And she's annoyed that you were driving around in a car where she paid for the transmission
02:16and you were no longer a couple.
02:18You broke up with her over the phone.
02:20Is that right?
02:21That's correct.
02:21You say your response is that you were dating.
02:25You liked him.
02:26I did.
02:26And if I were in your position, I would have felt terrible if the man that I was dating
02:33and liked bought a car from my brother at my suggestion from his dealership.
02:39And within a month of buying that car, it died with a bad transmission.
02:44I'm just telling you, common sense, decency would suggest I would feel sort of responsible.
02:52So my question is, did you tell your brother that the car he sold to your boyfriend got a bad
02:58transmission?
02:59No.
03:00Why not?
03:01Because it wasn't the transmission that was bad.
03:04What was it?
03:05It was a clutch or something.
03:07Who cares what it was?
03:08Well, no.
03:09Who cares what it was, whether it was a clutch that made it undrivable or the transmission?
03:14No, it was drivable.
03:15But dangerous.
03:16Are you trying to tell me that you didn't call your brother and say to him at some point,
03:22hey, you know, you sold my boyfriend a car and he's having trouble with it.
03:26Are you telling me you didn't call your brother?
03:28No.
03:29When we got to the transmission part, he wanted to up his claim for the car to sue my brother
03:36for the transmission.
03:37The transmission didn't come in place at that time.
03:39Are you telling me, Ms. Anderson, that he sued your brother in another court?
03:43Yes.
03:44And what happened to that case?
03:45It wasn't for the transmission, it was for the extra warranty I paid on the car.
03:49Oh, just a minute.
03:50So you paid her brother extra money for a warranty on the car?
03:55That he didn't warranty, right.
03:56Okay.
03:57And that's what you sued him for?
03:58Correct.
03:59Were you successful in that case?
04:02I was.
04:02And how much did you get?
04:04$250.
04:05I didn't get anything yet.
04:06But you were successful in getting $250 from him?
04:09Correct.
04:09Okay.
04:10Now, I want you to tell me the circumstances, where you were exactly when you agreed to pay for this
04:18new transmission.
04:20I was at home, Your Honor.
04:21At whose home?
04:23Your home?
04:23My home.
04:24Tell me about it.
04:25Um, we had just got home from Indiana.
04:27We went to Indiana.
04:29In this car?
04:30No.
04:31In what car?
04:31My, um, SUV.
04:33Okay.
04:33You drove to Indiana together for how many days?
04:37Just for two.
04:38We went to a wedding.
04:39Okay.
04:39And you came home and?
04:41We came home and we picked his car up from the shop.
04:45Mm-hmm.
04:45So, he picked it up and the person that he got the car, um, that he picked up from said
04:52that he might leave.
04:53Just a second.
04:53Did you go with him to pick up the car?
04:55No.
04:55Somebody had to drive him to pick up his car?
04:57No.
04:57He lived down the street.
04:58Oh.
04:59So, he walked to pick up his car?
05:01Yes, ma'am.
05:01You can't tell me what the person who we picked the car up from said.
05:05Okay.
05:05Okay.
05:05So, you came home from vacation.
05:07He walked down to pick up his car.
05:09He came back to your house and?
05:11No.
05:12He went back to his house.
05:13And?
05:13And Damon called me and said that he was taking his car to Continental because it was recommended that he
05:22needed a new transmission.
05:24Okay.
05:24So, he called me and said that he only qualified for a $500 loan and could I see if I
05:32qualified for the loan.
05:34Mm-hmm.
05:35And I told him that I didn't want to put another loan in my name unless it was going to
05:39be paid by him.
05:40So, he asked me and I said, okay, let me try.
05:44And it did qualify me for $4,500.
05:47But the transmission place needed an extra $300.
05:51And I told him, well, I could just give you $250 from my bank account.
05:55When was it that you had conversations with your brother, with him, about the transmission?
06:00We never did.
06:01So, you never had a conversation with your brother about the transmission?
06:04Not at all. My brother don't even know about the transmission. He didn't know about the transmission.
06:08You mean he bought a car for $5,300 and he needed a $4,500 transmission and he never called
06:14the person who sold him this lemon even though he was related to his girlfriend?
06:18No, Judge.
06:18That's really hard to believe.
06:19No, Judge.
06:20He never called him.
06:21Judge, just a second.
06:21She's totally lying.
06:23Oh, I absolutely believe that she's totally a liar.
06:26I absolutely believe that.
06:28There's no question in my mind that you would have called the person who sold you this car
06:32if you had to spend exactly what you paid for it to fix it within a month.
06:38There's no question that you called.
06:40And you had a warranty and he didn't honor it so you had to sue him.
06:44Correct. She actually drove me to the place to get my vehicle when we got back from Indiana.
06:49The reason why we got back from Indiana, she acted a fool in Indiana.
06:53She was cursing, belligerent, drunk and all that.
06:56And that made me not want to be with her once we got back.
06:59So, when we got back, she took me to the transmission place to get the transmission.
07:04She followed me down there and the people told me right then and there.
07:08You don't tell me what the people told you.
07:10They told me how much it would cost me.
07:11She was there with me and they gave us both a price.
07:15And that's when I found out I didn't have enough credit to get it.
07:18And she did hers right then and there in front of them.
07:20Okay.
07:23Told her I didn't want to talk right there and I needed space.
07:26She don't understand space.
07:27So, I didn't go outside with her because she's kind of looming.
07:32And she had a little knife in her hand and she was standing at my door.
07:35So, I called the police at that time.
07:38Do you remember the police coming to the house?
07:43Do you remember that?
07:47Do you remember the police?
07:49Do you remember the police?
07:50Pandora Anderson claims her ex-boyfriend, Damon Belingsley, refuses to pay back a car repair loan.
07:58Damon is countersuing for property damage and harassment.
08:02You have the paperwork for that?
08:03I do.
08:04May I see it, please?
08:06Your Honor, I was not there.
08:08Just don't say anything.
08:09I just want to see the paperwork.
08:10Well, that's the original.
08:11That's just a copy because it was distorted.
08:14I would like to see a copy of the loan papers.
08:38Okay, Ms. Anderson, what you want me to believe that it's just serendipitous that you took
08:44out the loan on the same day that he took the car in to be repaired.
08:49No, the car went repaired at the beginning of July.
08:55No, promised July 31st.
08:57No, that's what it went in for the transmission on that day.
09:00I'm talking about the transmission, madam.
09:03It's two different car shops.
09:04When we got back from Indiana, he picked it up for the clutch.
09:08Just a second.
09:09I'm talking about the $4,700 for the transmission.
09:12Yes.
09:13You took out the loan the exact same day that he brought the car in for the transmission.
09:17Yes.
09:18Okay, so let's get it clear.
09:21That was in July.
09:22When did the two of you separate?
09:24He picked the car up that Saturday and that Wednesday we separated.
09:28Not true, Yana.
09:29Did he make any payments on this loan?
09:32Yes.
09:32Tell me when.
09:33He made a payment on August 2nd.
09:37How much?
09:38For $110.
09:40Okay, did you pay her $110 on August 2nd?
09:44And August 9th.
09:45And what did you give her the $110 for on August 2nd and August 9th?
09:49Because we were together at that time and I told her we said we were going to pay it off
09:54together.
09:55Oh, just a second.
09:55So on August 2nd, you gave her $110 and on August 9th you gave her another $110.
10:03That's correct.
10:04And the loan repayment was $200 and some odd a month.
10:08And tell me when you broke up.
10:09August 22nd, because I paid another payment on August 18th.
10:14So you made three payments on the loan?
10:16That's correct.
10:17Okay.
10:17So if you made three payments on the loan, Mr. Billingsley, I'm going to tell you I'm going to make
10:22a giant leap of faith for you.
10:23Once you pay for it, you sort of acknowledge that it was a loan.
10:27Then you stopped paying.
10:29You're going to tell me that you stopped paying because you vandalized your car.
10:32That's correct.
10:33Okay.
10:34So now I want you to tell me when and under what circumstances, because now we're finished with you.
10:40Now he's got a counterclaim and his counterclaim is that you got furious with him because he broke up with
10:45you.
10:46And you tried to go over to his house.
10:48You went over to his house?
10:50Yes.
10:50Because he wasn't answering the phone.
10:52You went over to his house and that was on what date?
10:55That was August 22nd.
10:58And he says on that date, you vandalized the car, making it really undrivable.
11:04Not just because the tires were punctured, but because it was spray painted.
11:09Now, I'm going to take a look at the pictures of the car spray painted.
11:14And then, Mr. Billingsley, you're going to tell me the circumstances surrounding the vandalizing of your car.
11:19Sure will.
11:21Your Honor, after you're done...
11:22Don't speak.
11:23Don't speak.
11:24Ms. Anderson, you have to understand where it's at now.
11:27Right now, I've determined based upon his testimony that there was indeed a loan for $4,500.
11:34And that he was paying back the loan at the rate of about $210 a month.
11:39Paid it three times actually in August.
11:41So he acknowledges the loan.
11:43His defense to that is that you destroyed his property.
11:47Do you understand?
11:48I understand.
11:48Okay.
11:49So right now, I have found in your favor, and the only mitigating factor would be is if I find
11:54that you vandalized his car, you may not get an award.
11:57Do you understand?
11:58I understand.
11:59Great.
11:59Now I'm going to see that.
12:00Do you understand that?
12:02I do.
12:02I find that you owe her, let's say, minimally $4,000.
12:06You paid off some, but let's say you owe her $4,000.
12:09Yes.
12:10Right?
12:11Okay.
12:12Well, this is nasty.
12:16This is painted on the car.
12:20Right?
12:21These are pictures of flat tires.
12:24Okay.
12:25Now I'd like you to tell me, sir, there's no question that the person who did this was angry with
12:31you.
12:31Yes, she was.
12:32Now, I want you to connect the dots for me.
12:35This happened on the 22nd.
12:37Correct.
12:38Of August.
12:39Correct.
12:39And you had already broken up with her.
12:41That's correct.
12:42And tell me what happened when she came to your house.
12:44She came to my house.
12:46Approximately what time?
12:48In between about 5 or 6 p.m.
12:51Okay.
12:52And she kept saying she wanted to talk to me, wanted to talk to me, and I told her I
12:56didn't want to talk right there and I needed space.
12:59She don't understand space.
13:02So, I didn't go outside with her because she's kind of loony and she had a little knife in her
13:08hand and she was standing at my door.
13:10So, I called the police at that time.
13:13You have a police report?
13:14I do.
13:15I'd like to see it.
13:19That's the original and they blew it up right there.
13:21Okay.
13:29Do you remember the police coming to the house?
13:31No.
13:32No.
13:32Okay.
13:33She had left before the police got there.
13:34Okay.
13:35But the police were called on that date.
13:36Criminal mischief.
13:38He reported on that date that his ex-girlfriend displayed a knife in a threatening manner to spray paint his
13:42car.
13:43It also damaged his tire.
13:45She also made threatening texts and calls, domestic paperwork, and a warrant card issued.
13:50Did you know that a warrant card was issued for you?
13:53No, it wasn't a warrant card.
13:54It was just a court date.
13:55When is it?
13:56We already had it.
13:57It was October.
13:58What happened?
13:59It was a temporary order of protection to February.
14:03Do you have to go back to court in February?
14:06Yes.
14:06Yes?
14:07Yes.
14:07So this matter is still pending?
14:09The order of protection, yes.
14:11Well, this is sort of problematic for me.
14:14You have to make a determination.
14:16Since this is not a criminal proceeding, you have to make a determination whether you want to testify before me
14:22or not today.
14:23Because he will be hearing what you have to say, it's recorded, and it will be able to be played
14:30for the judge who's hearing the application for the final order of protection.
14:35Do you understand?
14:36Yes.
14:36So you have to make a determination as to whether or not you want to speak today.
14:40Yes.
14:41You do?
14:41Yes.
14:42Okay.
14:45What happened to his car?
14:46Mm-hmm.
14:46Oh, I don't know what happened to his car.
14:48I figured that he probably did it.
14:50I would never have put Cheater on there.
14:51I didn't even think he cheated on me.
14:53I didn't puncture his car.
14:55He had problems with his neighbor.
14:57This could have been an episode of Fear Thy Neighbor.
14:59Who knows?
15:10Pandora Anderson has accused her ex-boyfriend, Damon Belingsley, of owing for a car repair loan.
15:17Damon is countersuing, claiming Pandora vandalized his vehicle.
15:22So tell me what happened on the night of the 22nd, sir.
15:25Okay, she came to my house, like I said, while I called the cops.
15:29You called the police.
15:30You saw her.
15:31You got frightened.
15:32You called the police.
15:32I was looking out my window.
15:33Yes.
15:34And I didn't know why she pulled up to my car.
15:37But I seen her pull her red truck up to my black truck.
15:40And she was standing there by my car.
15:42And the only reason I knew she did something was because I heard the big loud, psss.
15:47I said, oh, this half of them stabbed my tire.
15:53And I called the police again.
15:55But they didn't get there in time.
15:56She jumped in her truck and pulled off, sped off.
15:59So I ran outside then because I was scared of her.
16:02I ain't gonna lie, she crazy.
16:03So I go outside after that.
16:05That's when I noticed she rode on the car too.
16:08I see, oh, she all the way crazy.
16:10Okay.
16:11Now out here, there's no question you acknowledge you went to his house on the 22nd
16:16because you acknowledge you went to his house on the 22nd.
16:19There's no question he didn't answer the door to let you in because you wanted to speak to him.
16:24There's also no question that his car didn't look like this when he parked it.
16:29Now, you want to tell me what happened with his car?
16:31Oh, I don't know what happened to his car.
16:33I figured that he probably did it.
16:35I would never have put Cheater on there.
16:36I didn't even think he cheated on me.
16:38I didn't puncher his car.
16:40This is the first time I've even seen them pictures of that car.
16:42He never sent me a picture.
16:43He never did anything.
16:44I don't care whether you sent a picture or not.
16:45The same day that this happened, he called the police and he gave a narrative to the police.
16:49And he said, you came to his house.
16:51You knocked on the door.
16:52You were acting irreverently and that you damaged his car.
16:57He made a police report and he may not have seen you spray painted.
17:01But I'm not going to draw a conclusion that somebody else spray painted his car on the 22nd when you
17:08were furious with him.
17:10He had a problem with his neighbor.
17:11This could have been an episode of Fear Thy Neighbor.
17:13Who knows?
17:14But Your Honor, he stated that I came to his house, which is true at between 5 or 6.
17:20The police report got 10-something that night.
17:22If you heard me heard your tire pop, why would you call the police at 10-something that night?
17:2710-something that night?
17:28I'm already at home to go to work.
17:30She's contradicting herself, Your Honor, because I got voicemails of her right here.
17:33They're saying, I'm sorry.
17:35I'm sorry.
17:36She ain't say she's sorry she did the car.
17:37But she talking about she's sorry.
17:39She kept coming to my house.
17:40She left and came back to my house.
17:42That's not true.
17:43Shh.
17:44You have something in writing from her?
17:46Not in writing.
17:47It was all voicemail.
17:48She was calling me from 100 different phones.
17:50She was spamming me.
17:51Whatever they call this app, they fifing.
17:53She called me from some of my contacts.
17:55I think they're my contacts.
17:56And they're not my contacts.
17:57Okay.
17:58Did you ever have any text message from her or anything else after this incident, Mr. Billingsley?
18:04She wouldn't text.
18:05She would just call on different.
18:07Just call?
18:07Different phones.
18:08Did she ever acknowledge?
18:09I had to take my phone off, Your Honor.
18:10Did she ever acknowledge in any of those phone calls that she vandalized your car?
18:14She did not.
18:15She's smart.
18:16No, don't tell me.
18:16She never acknowledged that she vandalized your car?
18:18No, she didn't.
18:19She just kept saying, I'm sorry.
18:20Okay.
18:20But, Your Honor, I got a text message from him for Thanksgiving that he texted me on his new phone
18:26stating that he loved me.
18:28And?
18:29She's talking about my twin brother.
18:29If you change your number because you're scared of me or I'm harassing you, why would you text me on
18:34Thanksgiving?
18:35You're not supposed to have any contact with me.
18:37That was probably the same neighbor she said.
18:38No, no, no.
18:39You're not supposed to have any contact with him.
18:41Right.
18:42Shh.
18:42Shh.
18:44Mr. Billingsley, what happened?
18:46You got lonely on Thanksgiving?
18:48No.
18:48What happened?
18:49I only eat turkey.
18:50What happened?
18:51Did you text her?
18:53No.
18:54I did not.
18:54You did not.
18:56She's got problems.
18:57Just a sec.
18:58I'm asking you a question.
18:59She said you texted her on Thanksgiving that you loved her.
19:03I'm just curious.
19:05Did you do that?
19:05I did not.
19:06Can I see it?
19:07Yes, ma'am.
19:09And do you have an estimate, sir, of what it will take to fix your car?
19:14I do.
19:15May I see it, please?
19:28I don't know who this is.
19:30Take it back.
19:31It got his name on it.
19:32What is this?
19:32What is this?
19:33This is the estimate.
19:34It can't have my name on it.
19:35Okay.
19:36Your Honor, his car got totaled out.
19:38Just a second.
19:38You had insurance.
19:39I did.
19:40Thank God.
19:41And the insurance paid for your car, which they declared totaled.
19:45That's correct.
19:46And you had a $500 deductible.
19:48That's correct.
19:48And that's what your counterclaim is for.
19:50That's correct.
19:51Plus, to make me whole, to make my car, to get it back to where it was, it was $2
19:58,000
19:58extra after the insurance paid me what they gave me.
20:01I don't care about that, sir.
20:03Okay.
20:03You understand.
20:04You're not here to make money.
20:05Your insurance paid for it.
20:07I'm here to make it whole.
20:07Just a second.
20:08You are whole.
20:09You settled with your insurance company for an amount certain.
20:12How much did they pay?
20:13Look at me.
20:14How much did they pay you?
20:16$5,100.
20:17Yeah.
20:18So the loan was $4,500.
20:20Sarah, let's do the math here, please.
20:22$4,500.
20:24He made three payments of $110 each.
20:27$330.
20:28$4,170 less $500.
20:30Sarah.
20:31$3,670.
20:33Judgment for the plaintiff in the amount of $3,670.
20:35Counterclaim is dismissed.
20:36Thank you very much.
20:37We're finished here.
20:38This court is adjourned.
20:41I heard that.
20:43And I knew that she, that stabbed my tire.
20:46And then she took off in her car like a bat out of hell.
20:49I didn't punch her in his tires.
20:50I was looking at her out the window.
20:51He didn't watch me do it.
20:53Just stay away from her.
20:54Please stay away.
20:55No more loans.
20:58You know, when there's a loan with no written agreement,
21:01which we see a lot of, people don't realize that the payment on that,
21:04the subsequent payment on that loan for however many dollars, $100 here, $100 there,
21:10towards the loan can be taken by you and by us as evidence in the court of the loan.
21:15It's sort of, if it was a gift, what are you paying her back for?
21:19Right.
21:19So, sort of common sense and filling in between the lines.
21:23That's the law.
21:23Yeah.
21:23Is that you're allowed to use that as evidence that a loan did exist even though there's an absence of
21:28the written agreement.
21:30So, it's always smart to have a written agreement.
21:32Absent that, if you made a payment like he did three times, he acknowledged that it was in fact a
21:37loan.
21:37Yeah.
21:37He just wanted a write off.
21:39And but for the fact that he had received money from his insurance company for $5,000,
21:45which is what it'll cost to fix the car, to repaint it, I would have nullified the loan.
21:51Yeah.
21:51Because it would have been almost a wash.
21:52But he was compensated.
21:54He's not here to make money.
21:55Yeah.
21:56So.
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