Loan for Motorcycle Crashes and Burns!
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Transcript
00:00Ms. Westphal, I assume this is your boyfriend?
00:02Yes.
00:03And Mr. Leamer was your friend?
00:05Yes, ma'am.
00:06He was a co-worker at a surveying company
00:08that I used to work for.
00:09Did he ever live with the two of you?
00:11He did.
00:12He moved out of Temple, Texas.
00:15And we did open our doors for him.
00:17When?
00:18I would believe it was July of 2017.
00:21While you worked with him and he was your friend,
00:24your girlfriend didn't know him?
00:25No, ma'am.
00:26She did not.
00:27So why did you let her become involved
00:29in his financial distress?
00:31Because he asked me at first.
00:33My credit scores weren't high enough
00:35to be able to do this favor for him.
00:37And I basically told him he could ask Carrie
00:41if she would be willing to do this.
00:43And at the time, we opened our doors for him.
00:46I know, you told me you opened your doors for him.
00:48You opened your doors for your friend,
00:50but you also opened your girlfriend's checkbook.
00:52Yes.
00:53That was pretty ridiculous.
00:54That was a very big mistake.
00:55That was a very big mistake.
00:56You took out a loan.
00:57How much was the initial loan?
00:59The initial loan was $4,500.
01:01How much did you and your boyfriend
01:03take from the $4,500 loan?
01:05He gave us $1,000.
01:06No, he gave you.
01:07How much did you take from the $4,500?
01:11$1,000.
01:12And you gave him $3,500?
01:14Correct.
01:15When was that?
01:16In August of 2017.
01:18What did you need the money for?
01:19A vehicle, Your Honor.
01:20You wanted to buy a vehicle?
01:22Yes, Your Honor.
01:23Now, you bought a vehicle.
01:25How much money did Ms. Westfall hand to you
01:28from the loan she took out?
01:30I believe it was $3,500.
01:32At first, I thought they took $1,500,
01:34but that was my mistake.
01:35They only did take $1,000,
01:36so I got $3,500 out of the loan, Your Honor.
01:38You're standing there with no paperwork, Mr. Lemer.
01:40That means you have nothing to show me.
01:42Yes, Your Honor.
01:43They have a whole lot of stuff.
01:44Sure.
01:45I understand that, Your Honor.
01:46And I know how it looks,
01:47but everything I paid, it was all in her name,
01:50so I didn't have access to her financial records
01:52online or anything.
01:53You don't have to have access to her things online.
01:56Either you get a receipt
01:57or you're taking it out of your own checking account.
01:59Right, Your Honor, and at the time,
02:01my bank card was on her one main financial,
02:04and I would just occasionally say,
02:05hey, take $100 out, pay the payment.
02:07I'd give her cash, and I never got a receipt
02:09because I didn't think we'd come to this point, Your Honor.
02:11I'm not sure I'm believing the whole thing.
02:13Well, that's the truth, Your Honor.
02:14Yeah, I'm not sure I'm believing
02:15both sides of the whole thing.
02:17Actually.
02:19I have the payment records,
02:21I've got all the payments from the very beginning,
02:23starting in September of 2017 to current.
02:26I had his actual credit card and bank account
02:29tied into this account,
02:30so whenever the payment was due,
02:31he would say, go ahead and make the payments.
02:33Great.
02:34And I want you to go through that
02:35and tell me exactly how many payments
02:38he made on the $3,500.
02:41Your Honor.
02:42Shh.
02:44So, September 18th, 234.
02:47Go ahead.
02:48October, there was $3,500.
02:50October, there was two payments, both $192.
02:53Okay.
02:54Nothing in November, $192 in December.
02:57Two payments in January of 2018, both for $202.
03:01There was a reversal in February of 2002,
03:03so one went back.
03:05In March, there was a $200 and a $400.
03:08April, $200.
03:10May, $400.
03:12Nothing in June.
03:13July, there was a $400 payment.
03:16It was reversed in August.
03:18Another one for $192 in August.
03:20Nothing in September, nothing in October.
03:22And this is an interest-bearing loan.
03:24How much were you paying during the same period of time?
03:26Nothing.
03:27Why?
03:28You had $1,000 of the loan.
03:29Why weren't you paying anything?
03:30He got $3,500 of the $4,000 loan.
03:33You got $1,000.
03:35Why weren't you making payments
03:37all along when he was making payments?
03:39Our agreement was for me to get a $4,500 loan for him.
03:42He said the bike was only gonna cost $3,500.
03:44You get $1,000 just to keep for doing this loan.
03:47Which I agreed to.
03:48He made payments.
03:49And when he moved out,
03:51the payments started slowing down after...
03:53See, he moved out, I believe, in November.
03:55And that's when there was only one payment made.
03:58And then December, there was none.
03:59You're still talking around me
04:00that I'm not paying much attention to.
04:02But I have the last 12 months' statements
04:05that shows that it doesn't go down if the interest is...
04:07I don't care.
04:08If you only pay...
04:09I don't care.
04:10You should have been making your payments.
04:11So he paid $2,406 of a $3,500 loan.
04:14Mm-hmm.
04:15Which if you had been making your payments,
04:16there would have been moderate interest charges.
04:18The minimum payment is $200,
04:19but that only covers interest.
04:20$4,900.
04:21Right.
04:22Now, what else does he owe you for?
04:24Just interest has been paid on this loan.
04:26He owes you $1,094.
04:29That's on the loan.
04:30I'd like to see the percent of interest
04:32that they're charging you.
04:33Yes.
04:34And how...
04:35Did you calculate the interest
04:36that they're charging you on your $1,000?
04:38I didn't calculate it
04:39because he gave me the $1,000 for doing the loan.
04:42$1,094.
04:44$1,094.
04:45Judgment for the plaintiff.
04:46We're finished.
04:47Thank you very much.
04:48All right, so excuse me.
04:49May I step out?