last Monday, ma'am.
>> Judge Judy: Just a second.
If your car came up missing last
Monday, it's very possible that
it got repossessed by the bank.
>> It did not get repossessed,
ma'am.
I'm trying to explain to you
what happened, ma'am.
In March, I spoke with my bank
because my transmission stopped
working the beginning days of
March.
I spoke with my bank, ma'am.
They told --
>> Judge Judy: Just a second.
You're not... Ms. Jiles, you're
not going to tell me what the
bank said to you.
>> I have --
>> Judge Judy: You showed me...
>> I-I can show you, ma'am.
I can show you.
I have paperwork and documents.
I was granted an extension
if I paid --
>> Judge Judy: Just a second.
Show me where the bank granted
you an extension in March.
>> Yes, ma'am.
I have it right here.
>> Judge Judy: Just a...
Just show me where the bank
granted you --
>> It's all right here.
Yes, ma'am.
>> Judge Judy: Don't give me a
lot of papers.
>> It's not a lot.
>> Judge Judy: Just show me the
paper where the bank granted you
an extension in March.
>> Here you go.
It shows right here.
>> Judge Judy: Good.
Okay, according to this,
on March 31, you signed this
agreement that indicated your
payment would be due on April 1.
>> No, ma'am, it's May 1.
It's May 1, ma'am.
April was the month that --
>> Judge Judy: Let me read this
to you -- "Please be
advised that this agreement will
be revoked and null and void if
you fail to sign or return this
agreement by February 12.
The contract will be extended,
and your regular payment will be
due on April 1, 2018,
provided you sign this agreement
and return it."
The agreement was sent to you
on March 29.
"Following that payment, your
next regular payment due is
4/1/2018 and every month
thereafter until your new
maturity date, which will be
August 1, 2023."
>> Ma'am --
>> Judge Judy: That's what it
says.
>> That's not what I was told.
That's not what they just told
me upstairs when I called.
Also, I have the payment --
>> Judge Judy: I want you to...
Ms. Jiles, get this absolutely
correctly.
What you handed me said your
payment was due April 1.
Right now, you don't know where
the car is.
>> The --
>> Judge Judy: Shh.
You don't know where the car is.
According to you, it was taken
last Monday.
>> Yes, ma'am.
I have the police report.
>> Judge Judy: Just a second.
According to you, it was taken
last Monday.
You found it missing, right?
>> It was at the shop where he
had me to tow it to.
I was going back to check on it,
and they told me that it was
gone, that it was there that
morning, but by the time I made
it on Monday, it was gone.
>> Judge Judy: It was gone.
And what was last Monday's date?
>> It was the 16th.
>> Judge Judy: Your payment was
supposed to be received by them
April 1.
What I'm telling you, Ms. Jiles,
is...
>> They --
>> Judge Judy: Either one of two
things happened, Ms. Jiles.
Either --
>> Ma'am, my payment is due
on May 1.
I've shown --
>> Judge Judy: Just a second.
>> They gave me April, and I was
supposed to start my first...
My payment is due May 1.
When I just called upstairs...
I can call right now.
>> Judge Judy: No, no, don't
call right now.
>> [ Crying ]
>> Judge Judy: You have a bigger
problem than the $700.
Ms. Jiles, Ms. Jiles, stop with
the histrionics.
You have a bigger
problem than the $700 you gave
him for a new transmission.
You have a much bigger problem.
Your bigger problem is that you
owe this bank $13,000 because
if you didn't have insurance...
>> Ma'am --
>> Judge Judy: ...and you were
supposed to have insurance on a
car on which you owe $13,000,
that means if...
>> Here's my insurance right
here, ma'am.
Like I tried to explain to you,
I paid my insurance.
When I gave my car to Mr. Egans,
ma'am, my car was insured.
And I paid my car insurance.
But at that point, it was either
get my car fixed or to, you
know, pay again the next month.
After he'd taken my money, I
could not pay my car insurance
again, ma'am.
I had to go save money to get
my car fixed.
>> Judge Judy: Listen to me.
Either you had insurance or you
didn't have insurance.
>> I had insurance when I gave
Mr. Egans my car, ma'am.
I had insurance in the middle of
March, ma'am.
>> Judge Judy: Well, if you had
insurance, madam, in March,
then you had insurance in April.
And if you had insurance in
April and if your car was
stolen, then the insurance
company will reimburse you.
If they repossessed your car --
>> They did not, ma'am.
I called --
>> Judge Judy: Well, then --
>> Before I reported my car
stolen, my lawsuit was already
filed.
I filed my lawsuit on April 1,
ma'am.
I did not report my car taken
until April 16 --
>> Judge Judy: Ms. Jiles, I'm
not satisfied with this case,
and if you think that you will
have a better chance going back
to the small-claims court from
where you came, I'm going to
dismiss your case without
prejudice, and you can go back
there.
I'm not buying the story.
Do you understand?
With all the histrionics,
I'm not buying the story that
to small-claims court, and maybe
somebody will buy this story.
I'm not buying it.
Goodbye.