ÿWPCæ …# VUNa %¯ 0(µbÝw.å4 ' 6 0l> 0Dª 0Jî 0T8 0^Œ 0hê 0rR 0|Ä 0†@ 0Æ 1uV 0dË U>/B)mDC– AMÙU*&Pv~`vÓÞ D3± Bä 0@ AOAÆ 0DV D/š BɘHP LaserJet 4Si/4SiMX PS 600dpiPSCRIPTÀÌÀääÀÀÌ0 (ÖÃ9 Z ‹6Times New Roman RegularX($¡¡- ù-N,EO,P,Q,R,ES,Ó€],DÒ x93|x],((3üÝ$¤¤Ý ƒ!ÝÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)P ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(&Times New Roman% Line 7 d!!!!7Border 1dd€-"Cþÿ << Gÿÿ< Œ 9p`(Arial Ý ƒ!ÝÑ  ÑÑ#€d#ÑÔ€ ÔÝ  ÝÔ€$ÔÔ€$ÔÓ  Óò òÔ YYY ÔFILEDÔ€$XÔÌÌJanuary€17,€1997ÌÌCecil€W.€CrowsonÌAppellate€Court€ClerkÔ  Ôó óPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'hStyl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑGenevaÑÑ ÑÒ  h HD: Geneva ÒÒ  h HD: Geneva Ò,,,,'ÿÿdxd d("ÿÿ$££Ò  ÒÒ  Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€ ÔÝ  ÝÑ  ÑÒ  ÒÒ ° ÒÒ  ÒÒ „ ÒÑ\R AØ'\ÑÑ\R AØ'\ÑÑ€ÑÑ7€öXXdìdÈ7ÑÑ  ÑÑ  Ñò ò›Þ ÞÌVADA€MARIE€PALMER,à àà àà à)Ìà àà àà àà àà àà à)Ìà àPlaintiff/Appellee,à àà àà à)Ìà àà àà àà àà àà à)à àDavidson€County€CircuitÌà àà àà àà àà àà à)à àCase€No.€95C„1530ÌVS.à àà àà àà àà àà à)Ìà àà àà àà àà àà à)à àAppeal€No.Ìà àà àà àà àà àà à)à à01A01„9607„CV„00337̜ـ€ÙßR€#%"A1-j|$` ç `€€@ÿRß›WILLIAM€TROUPE,€II€and€LINDAà à)ÌTROUPE,à àà àà àà àà à)Ìà àà àà àà àà àà à)Ìà àDefendants/Appellants.à àà à)Ìó óÌò òÌà@ àIN€THE€COURT€OF€APPEALS€OF€TENNESSEEÌà@ àMIDDLE€SECTION€AT€NASHVILLEÌÌà@ àAPPEAL€FROM€THE€DAVIDSON€COUNTY€ÌÓ  ÓCIRCUIT€COURT€OF€NASHVILLE,€TENNESSEEÌÓ  ÓÌà@ àHONORABLE€WALTER€C.€KURTZ,€JUDGEÌó óÌÌJ.€Mitchell€Grissim,€Jr.,€#9473Ì325€Union€StreetÌNashville,€TN€37201ÌATTORNEY€FOR€PLAINTIFF/APPELLEEÌÌÌFranklin€D.€Brabson,€#3890€Ì2806€Natchez€TraceÌNashville,€TN€37212ÌATTORNEY€FOR€PLAINTIFFS/APPELLANTSÌÌÌò òÓ  ÓAFFIRMED€AND€REMANDEDó óÌÓ  ÓÌÌÌà àà àà àà àà àHENRY€F.€TODDÌà àà àà àà àà àPRESIDING€JUDGE,€MIDDLE€SECTIONÌÌÌÌÌCONCUR:ÌÌSAMUEL€L.€LEWIS,€JUDGEÌBEN€H.€CANTRELL,€JUDGEÌÌò òÓ  ÓÌÌÌÌÌÌÌÌÌVADA€MARIE€PALMER,à àà àà à)Ìà àà àà àà àà àà à)Ìà àPlaintiff/Appellee,à àà àà à)Ìà àà àà àà àà àà à)à àDavidson€County€CircuitÌà àà àà àà àà àà à)à àCase€No.€95C„1530ÌVS.à àà àà àà àà àà à)Ìà àà àà àà àà àà à)à àAppeal€No.Ìà àà àà àà àà àà à)à à01A01„9607„CV„00337ÌWILLIAM€TROUPE,€II€and€LINDAà à)ÌTROUPE,à àà àà àà àà à)Ìà àà àà àà àà àà à)ÌÓÓà àDefendants/Appellants.à àà à)ÌÌó óÔ€ „Ôà@ àòòò òO€P€I€N€I€O€Nóóó óÔ€ XƠ̜̂à àThe€controversy€involves€title€to€realty,€rights€to€proceeds€of€fire€insurance€and€claimsÏand€counterclaims€between€the€parties.€€The€Trial€Court,€sitting€without€a€jury,€awarded€theÏrealty€and€$500.00€judgment€to€the€plaintiff,€and€defendants€have€appealed€and€œpresented€the›Ïfollowing€issues:ÌÓӜ̛à àà à€€€€1.€€The€Circuit€Court€erred€by€considering€facts€whichÌà àà àoccurred€€after€€the€repeated€and€numerous€breaches€and€Ìà àà àdefaults€under€the€contract€by€the€œplaintiff.Ì›ÌÓÓà àà àà àa)€Fire€totally€destroyed€mobile€home.ÌÓÓà àà àà àb)€Subsequent€€acts€€of€€parties€€did€€not€cure€the€Ìà àà àà ànumerous€breaches€and€defaults€of€contract.ÌÌÓÓÓÓà àà àà àc)€Testimony€€of€€witness,€Michael€St.€Clair,€wasÌà àà àà àadmitted€€although€he€was€not€listed€as€a€witnessÌà àà àà àprior€to€trial,€in€violation€of€Rule€22€of€the€LocalÌà àà àà àRules€of€Court€of€Davidson€County.ÌÌà àà à€€€€2.€€Court€€erred€€by€€€separating€€€property€€€into€€€real€Ìà àà àproperty€€and€€personal€€property.€€Contract€was€for€saleÌà àà àof€...€ð ðthe€property€located€at€1015€Alice€Street.ððÌà àà àÌà àà à€€€€3.€€The€€Trial€€Court€€did€€not€€grasp€€the€€fact€that€the€Ìà àà àproperty€€was€€sold€€to€€another€€party€€by€€the€€Chancery€Ìà àà àCourt€€for€€unpaid€€taxes€€and€€€then€€€redeemed€€€by€€€the€ÌÓÓà àà àTroupes.Ìà àà àà àÌœÌÌ›à àPlaintiff€presents€the€following€œissue:›ÌÓÓà àà à€€€€1.€€Whether€€the€Trial€Courtððs€judgment€awarding€œreal€property›Ìà àà àœat›€1015€Alice€œStreet€›€in€Nashville,€Tennessee€œto€the€plaintiff€along›Ìà àà àœwith€›€money€œ€damages€›€œin€›€the€amount€œof€$500.00€is€supported€by€›€Ìà àà àœthe›€œpreponderance›€œof›€€œthe›€œevidence?›ÌÓÓà àà à€Ìà àAt€the€trial,€the€parties€announced€and€filed€with€the€Trial€Court€a€ð ðStipulation€of€FactsððÏwhich€read€as€follows:ÌÓÓà àà à€€€€1.€€On€€January€€23,€1993,€title€to€the€property€€known€as€1015€Ìà àà àAlice€€Street€€was€€vested€€in€€William€€Troupe,€€II€and€wife€LindaÌà àà àTroupe€€by€€virtue€of€a€Quit€Claim€Deed€of€Record€in€Book€8679,Ìà àà àPage€525€at€the€Registerððs€Office€in€Davidson€County,€Tennessee.ÌÓÓÓÓÌà àà à€€€€2.€€Vada€€Marie€€Palmer€€paid€€to€William€Troupe,€II€and€Linda€Ìà àà àTroupe€€the€€sum€€of€€$14,000€cash€on€January€23,€1993.€€WilliamÌà àà àTroupe,€II€€and€€Linda€€Troupe€€transferred€to€Vada€Marie€PalmerÌà àà àthe€€€mortgage€€€coupon€€book€€payable€€to€€Vanderbilt€€Mortgage€Ìà àà àCompany.€€€It€€was€€the€€agreement€of€the€parties€that€Vada€MarieÌà àà àPalmer€€would€€make€€payment€to€Vanderbilt€Mortgage€CompanyÌà àà àin€€the€€name€€of€€William€€Troupe,€II€€and€€Linda€€Troupe€€for€theÌà àà àremainder€€of€€the€€term€€of€€the€indebtedness€secured€by€Deed€of€Ìà àà àTrust€of€Record€at€Book€8679,€Page€527.ÌÌà àà à€€€€3.€€On€August€14,€1992,€William€Troupe,€II€paid€to€the€Metro„Ìà àà àpolitan€Department€of€Water€€and€Sewerage€Services€the€sum€ofÌà àà à$250€as€payment€for€water€tap€fee.ÌÌà àà à€€€€4.€€On€December€8,€1992,€William€Troupe,€II€paid€$700€to€RLÌà àà àElectric€€Company€€to€€establish€€amp€€service€and€to€hook€up€the€Ìà àà àelectrical€service€to€€the€€Mobile€€home€€located€on€€a€€lot€at€1015Ìà àà àAlice€Street.€ÌÌà àà à€€€€5.€€On€€November€€18,€€1992,€€William€€Troupe,€II€€and€€Linda€Ìà àà àTroupe€made€an€application€for€sewer€tap€fee€and€paid€$10€downÌà àà àon€$500€tap€fee€agreeing€to€make€monthly€installments€of€$14€perÌà àà àmonth€€with€€first€€payment€€being€€due€€November€18,€1992.€€No€Ìà àà àadditional€payments€or€installments€thereafter€were€made.ÌÌà àà à€€€€6.€€Real€€property€€taxes€€payable€€to€and€accruing€on€the€lot€at€Ìà àà à1015€Alice€Street€for€the€years€1992,€1993,€1994€and€1995€are€asÌà àà àfollows:ÌÌà àà àà à1992à àà à$125.93Ìà àà àà à1993à àà à$€€76.61Ìà àà àà à1994à àà à$€€93.38Ìà àà àà à1995à àà à$€€93.38ÌÌà àà à€€€€7.€€On€September€1,€1994,€the€property€located€on€1015€AliceÌà àà àStreet€was€sold€by€tax€sale€to€pay€delinquent€1992€property€taxesÌà àà àin€€penalty€€and€€interest€€in€€the€€amount€of€€$125.93.€€SufficientÌœÌÌ›à àà àproceeds€were€generated€to€pay€the€1993€taxes€of€$76.61€which€Ìà àà àwere€by€that€date€due€but€not€delinquent.€€Court€costs€and€other€Ìà àà àfees€€€due€€€to€€the€€Clerk€€and€€Master€€as€€a€€result€€of€€the€€sale€Ìà àà ànecessitated€by€the€delinquent€1992€taxes€were€$285.85.ÌÌà àà à€€€€8.€€William€€Troupe,€II€€and€wife€Linda€Troupe€redeemed€the€Ìà àà àproperty€and€paid€€the€€sum€of€$543.87€as€evidence€by€Deed€of€Ìà àà àRedemption€€filed€€November€€17,€€1994.€€€This€€sum€represents€Ìà àà à1992€€taxes€€and€€penalty€€of€€$125.93,€€1993€taxes,€$74.59€and€Ìà àà àcourt€€costs€€and€€clerk€€fees€€payable€€to€€the€€Clerk€and€Master€Ìà àà àtotaling€$285.85.ÌÌà àà à€€€€9.€€Defendant€€William€€Troupe,€II€€and€€wife€€Linda€€TroupeÌà àà àhad€€paid€€the€€1994€€property€€taxes€€in€€the€€amount€of€$93.38.€€Ìà àà à1995€property€taxes€of€$93.38€have€not€been€paid.ÌÌà àà à€€€€10.€The€€parties€€agree€€that€€Vada€Marie€Palmer€has€paid€all€Ìà àà àpayments€€to€€Vanderbilt€€Mortgage€€Company€€since€€January,€Ìà àà à1993,€€with€€the€€exception€€of€€eight€payments€which€remain€in€Ìà àà àdispute.€Both€parties€contend€that€they€paid€the€eight€paymentsÌà àà àset€out€below.€€Those€disputed€payments€are€as€follows:Ìà àà àÌà àà àà àà àJuly€23,€1993à àà à$266.33Ìà àà àà àà àSeptember€17,€1993à à$266.33Ìà àà àà àà àNovember€17,€1993à à$267.36Ìà àà àà àà àJanuary€31,€1994à à$267.36Ìà àà àà àà àMay€&€June,€1994à à$534.00Ìà àà àà àà àJune,€1995à àà à$267.00Ìà àà àà àà àJuly,€1995à àà à$267.00ÌÌà àà à€€€€11.€€It€€is€stipulated€that€the€June€27,€1994€Order€of€Judge€Ìà àà àRubin€in€the€General€Sessions€Court€that€Vada€Marie€Palmer€Ìà àà àpay€€a€€total€of€€four€payments,€totaling€$1,064.00€within€ten€Ìà àà àdays,€was€paid€by€check€of€Robert€W.€Rutherford,€Attorney,Ìà àà àdated€July€1,€1994€within€10€days€of€the€Court€Order.ÌÌà àà à€€€€12.€€It€€is€stipulated€that€Vada€Marie€Palmer€did€not€makeÌà àà àpayment€to€Vanderbilt€Mortgage€Company€in€August,€1995.Ìà àà àÌà àà à€€€€13.€€The€€trailer€sustained€€substantial€fire€damage€in€a€fireÌà àà àon€€August€1,€1995€€and€Vanderbilt€Mortgage€Company€€hasÌà àà àbeen€paid€insurance€proceeds€which€extinguish€the€mortgageÌà àà àbalance€€with€€leaving€a€remainder€of€$38.00€which€was€paidÌà àà àby€William€Troupe,€II€and€Linda€Troupe.ÌÌà àà à€€€€14.€€William€Troupe,€II€and€Linda€Troupe€received€notice€Ìà àà àdefault€€and€right€to€cure€default€statements€from€VanderbiltÌà àà àMortgage€and€Finance€Company€dated€September€20,€1993,Ìà àà àand€May€2,€1994.€€The€loan€has€never€gone€into€foreclosureÌà àà àor€been€called.ÌÌà àà àà àÌÓÓà àThe€record€also€contains€the€original€of€a€handwritten€document€signed€by€the€partiesÏand€reading€as€follows:ÌÓÓà àà àWhom€it€may€concern.€€I,€William€Troupe€&€Linda€Troupe€agreeÌà àà àto€€sell€€Marie€€Palmer€the€property€location€at€1015€Alice€Street€Ìà àà àfor€€the€sum€of€$14,000.00€to€be€paid€in€the€period€of€90€days.€€I€Ìà àà àWilliam€€Troupe€€&€€Linda€€Troupe€€will€only€receive€$13,000.00€Ìà àà àbecause€€€we€€have€€received€€$1,000.00€€earnest€€money.€€€If€€the€Ìà àà àmoney€€is€€not€€received€€in€€90€€days,€we€will€consider€more€timeÌà àà àthe€€double„wide€€home€€will€be€assumed€by€the€same€party.€€TheÌà àà àpayment€€€book€€will€€be€€surrendered€€to€€said€€party.€€€They€€will€Ìà àà àmake€€the€€payment€€in€€William€€Troupe€&€€Linda€Troupes€name€Ìà àà àuntil€paid€for.€€When€paid€for€I€€William€Troupe€&€Linda€Troupe€Ìà àà àwill€€swear€€to€€surrender€€title€€to€€mobile€home€and€also€deed€to€Ìà àà àproperty.€€€I€€give€€my€€father€€Power€€of€€Attorney€to€handle€thisÌÓÓÓÓà àà àcontract.€€And€€any€monies€you€give€him€will€be€given€to€me€and€Ìà àà àmy€wife€Linda€Troupe€for€part€of€said€property€&€home.€ÌÓÓÓÓÌà àà à€€€€There€€is€insurance€€already€€on€€the€€mobile€€home.€€They€€are€Ìà àà àincluded€in€the€payments.€All€furniture€will€go€with€mobile€homeÌà àà àexcept€waterbed.ÌÌà àà à€€€€Party€€who€€is€buying€home€understand€that€if€€agreement€can€Ìà àà ànot€be€€made€after€90€days€and€extended€time€€is€given€to€buyer,Ìà àà àthat€€said€€property€€&€mobile€home€will€€go€back€to€the€original€Ìà àà àto€€€the€€€original€€owners.€€€All€€monies€€given€€to€€my€€€father€€a€Ìà àà àreceipt€will€€be€€given€€to€€party€€buying€€home.€€I€give€my€fatherÌà àà àpermission€to€cash€€any€checks€or€collect€any€monies€for€me€and€€Ìà àà àmy€€wife€€Linda€€Troupe€€as€€long€€as€€there€€is€a€receipt€for€both€Ìà àà àparties.€€We€€will€€out€of€town€if€a€check€or€any€money€is€paid€it€Ìà àà àis€not€to€be€paid€to€anyone€else.ÌÌà àà àà àà àBuyerà àòò(Signed)€Veda€Marie€Palmer€€€€€€€€óó€€€Ìà àà àà àà àSeller€€€òò(Signed)€William€&€Linda€TroupeóóÌÓÓÓÓà àà àà àà àBy€(name€provided€is€not€clear)ÌÓÓÓÓÌÌà àThe€oral€comments€of€the€Trial€Judge€at€the€conclusion€of€the€Trial€include€theÏfollowing:ÌÌà àà à€€€€Well,€€if€this€transaction€is€a€model€for€anything,€itððs€a€modelÌà àà àfor€€€chaos€€and€€confusion,€€the€€way€€this€€was€€drawn€€up€€and€Ìà àà àexecuted,€and€then€its€subsequent€history€down€to€the€fire€andÌà àà àthen€€the€€allegations€€regarding€the€payment€of€the€insurance€as€Ìà àà àwell€€as€€the€taking€of€property€and€the€exclusion€of€Ms.€PalmerÌà àà àfrom€the€property.ÌÌà àà à€€€€Let€me€turn€perhaps€to€the€most€important€issue€in€this€case,€Ìà àà àand€€that€€is€€who€€owns€€this€property.€€I€mean,€what€happened€Ìà àà àhere?€€I€€believe€I€have€to€go€primarily€by€the€writing€as€set€outÌà àà àhere€€and€€signed€€by€€the€€parties.€€William€€Troupe€€and€€Linda€Ìà àà àTroupe€agree€to€sell€Marie€Palmer€the€property€located€at€1015Ìà àà àAlice€€Street€for€the€sum€of€$14,000€to€be€paid€in€the€period€of€Ìà àà à90€€days.€€€I€€mean,€€that€€seems€fairly€clear.€€That€is€for€the€real€Ìà àà àproperty.€€And€so€all€right,€title€and€interest€of€€William€TroupeÌà àà àand€€Linda€€Troupe€€in€€this€€property€€is€€transferred€€to€€MarieÌà àà àPalmer.€And€the€order€should€set€out€the€clear€legal€descriptionÌà àà àfrom€the€deed.ÌÌà àà à€€€€Now,€secondly,€the€contract€dealt€with€the€sale€of€this€trailerÌà àà àthat€has€since€burned€down.€€The€double€wide€home€will€be€Ìà àà àassumed€€by€€the€€same€€parties.€€The€payment€book€will€be€Ìà àà àsurrendered€€€to€€the€€parties.€€The€€payment€€book€€will€€beÌà àà àsurrendered€to€the€parties.€They€will€make€the€payments€in€Ìà àà àWilliam€€Troupe€€and€€Linda€€Troupeððs€€name€until€paid€for.€Ìà àà àWhen€€paid€for,€€I€€William€€Troupe€€and€Linda€Troupe€will€Ìà àà àswear€€to€€surrender€title€to€the€mobile€home€and€also€deed€Ìà àà àto€the€property.€€So€for€whatever€itððs€worth,€which€doesnððt€Ìà àà àsound€to€be€much€anymore,€the€title€of€this€mobile€home€is€Ìà àà àtransferred€to€Marie€Palmer.ÌÌà àà à€€€€Now,€€there€€€are€€these€€collateral€€issues.€€€I€€œcall›€themÌà àà àcollateral€œ€issues,€›€œbecause€›€they€have€to€do€with€the€claim€Ìà àà àœof€the›€œTroupes›€œthat›€œtheyððre›€œentitled›€œto›€€reimbursement€€forÌà àà àunpaid€€water€€bills,€€unpaid€€taxes,€unpaid€tap€fees€and€the€Ìà àà àlike.ÌÌà àà à€€€€And€€then€€there€€is€€the€€claim€of€Ms.€Palmer€that€sheððs€Ìà àà àentitled€to€a€judgment€against€the€Troupes€for€conversionÌà àà àof€€property€€after€€the€€fire,€€for€denying€her€access€to€the€Ìà àà àproperty€and€for€punitive€damages.ÌÌà àà à€€€€Now,€€the€€assessment€€of€€damages€€do€not€have€to€be€Ìà àà àexact.€€They€have€to€be€reasonable.ÌÌà àà à€€€€I€also€ought€to€mention€the€allegation€that€Mr.€TroupeÌà àà àretained€€money€€from€the€insurance€company€that€shouldÌà àà àhave€gone€to€Ms.€Palmer,€which€he€pretty€much€admittedÌà àà àfrom€the€witness€stand,€said€he€thought€he€was€entitled€toÌà àà àit€because€of€these€other€issues.€€But€it€was€kind€of€a€self„Ìà àà àhelp€insurance€claim,€if€there€is€such€a€thing.Ìà àà à€€€€Ìà àà à€€€€Well,€€I€€think€€taking€€all€€the€matters€that€the€Troupes€Ìà àà àcontend,€€I€think€theyððre€entitled€to€a€judgment€of€$2,000Ìà àà àagainst€Ms.€Palmer.ÌÌà àà à€€€€However,€€I€€believe€€that€€Ms.€€Palmer,€for€conversion€Ìà àà àand€for€the€denial€œof€›€access€to€her€property€at€the€time€of€Ìà àà àthis€€€fire,€€€is€€entitled€€to€€a€€judgment€œ€›€of€€$2,500.€€€And,€Ìà àà àtherefore,€€using€€that€€as€€a€€set€off,€€using€€the€€2,000€as€a€Ìà àà àset€off,€€sheððs€€entitled€€to€€a€judgment€of€$500€against€the€Ìà àà àTroupes.€ÌÌà àà à€€€€MR.€œ€GRISSIM:›€€The€€€insurance€€€proceeds€€€that€€€heÌà àà àreceived€on€the€contents€policy?ÌÌà àà à€€€€THE€COURT:€Well,€Iððm€taking€that€into€considerationÌà àà àin€€giving€€her€€the€€$2,500€€judgment.€€€There€€was€€some€Ìà àà àtestimony€€€that€€€there€€€was€€property€€belonging€€to€€the€Ìà àà àTroupes€€in€€the€€home,€€and€€Iððm€trying€to€balance€out€allÌà àà àthese€conflicting€claims,€the€upshot€of€which€is€your€clientÌà àà àgets€€a€€$500€€judgment€when€you€take€the€$2,500€and€set€Ìà àà àoff€the€2,000€against€that.ÌÌÓÓà àDefendantsðð€statement€of€the€issues,€quoted€above,€does€not€question€the€evidentiaryÏbasis€of€the€amounts€found€by€the€Trial€Judge€to€be€due€from€the€plaintiffs€to€the€defendantsÏand€from€the€defendants€to€the€plaintiff.€€Neither€brief€denies€or€cites€the€location€of€suchÏevidence€in€the€record.€€Any€complaint€as€to€said€amounts€is€waived€by€failure€to€raise€the€issueÏin€briefs.€ÌÌà àDefendants€insist€that€plaintiff€forfeited€all€of€her€rights€under€the€January€23,€œ1993,›Ïhandwritten€agreement€quoted€above€by€becoming€delinquent€in€paying€the€installments€of€theÏconsideration€on€time.€€The€agreement€appears€to€be€a€contract€of€sale€on€credit€with€some€rightÏof€recapture€to€enforce€payment€of€the€purchase€price.€€There€is€some€evidence€of€efforts€toÏregain€possession€by€writ€of€unlawful€detainer,€but€no€evidence€is€found€that€defendants€everÏregained€actual€possession.€€There€is€no€evidence€of€any€other€proceeding€in€equity€to€enforceÏthe€collection€of€the€purchase€price€or€extinguish€the€equitable€rights€of€plaintiff..ÌÌà àEquity€abhors€penalties€and€forfeitures€and€will€not€permit€a€creditor€to€assume€a€title€toÏproperty€for€œnon„payment›€of€debt€and€keep€the€entire€proceeds€of€sales€of€the€property€inÏdisregard€of€the€rights€of€the€debtor.€€òòHarmon€v.€Faucetteóó,€8€Tenn.€App.€œ137,›€(1928).ÌÌà àIn€the€present€case,€the€defendants€took€no€appropriate€action€to€enforce€what€was,€inÏeffect,€an€equitable€lien€to€secure€the€purchase€price€of€the€property€they€sold€to€plaintiff.€€TheÏmere€occurrence€of€a€default€does€not€ipso€facto€effect€a€foreclosure€and€loss€of€rights.€€ÌÌà àFinally,€defendants€complain€that€no€consideration€was€given€to€the€fact€that€theyÏredeemed€the€property€from€tax€sale€and€obtained€a€new€evidence€of€title.€€Under€the€terms€ofÏthe€informal€sales€agreement,€defendants€retained€record€title€until€payment€of€the€purchaseÏprice.€€The€mortgage€and€tax€records€remained€in€their€name.€€They€held€title€as€trustees€forÏplaintiff,€and€their€actions€to€protect€their€record€title€were€not€only€for€their€own€benefit,€butÏfor€the€benefit€of€their€cestui€que€trust,€the€plaintiff.ÌÌà àAlthough€not€made€an€issue€on€appeal,€defendants€conclude€their€two€page€writtenÏargument€with€a€complaint€that€a€witness€was€allowed€to€testify€in€violation€of€a€local€ruleÏrequiring€advance€notice€of€witnesses€and€that€said€witness€later€signed€a€statement€recantingÏhis€testimony.€€There€is€no€support€of€this€argument€by€citation€to€the€record.€€For€lack€of€suchÏcitation,€such€argument€is€not€considered€as€provided€by€Rule€6€of€the€Rules€of€this€Court.ÌÌà àNo€merit€is€found€in€the€complaints€of€the€appealing€defendants.ÌÌà àThe€œplaintiff„appellee›€presents€the€issue€of€preponderance€of€the€evidence,€which€is€not€Ïargued€by€defendants,€and,€in€addition,€proposes€the€award€of€damages€for€frivolous€appeal.ÌÌà àPlaintiffððs€one„page€argument€does€not€adequately€support€either€of€these€issues.ÌÌà àThe€evidence€does€not€preponderate€against€the€factual€findings€of€the€Trial€Court,€andÏno€error€of€law€if€found€therein.ÌÌà àThe€judgment€of€the€Trial€Court€is€affirmed.€€Costs€of€this€appeal€are€assessed€againstÏthe€defendants„appellants.€€The€cause€is€remanded€to€the€Trial€Court€for€any€necessaryÏproceedings.ÌÓÓÌÓÓò òÓ  ÓÔ€ ¼ÔAFFIRMED€AND€REMANDEDÔ€ XÔó ó€ÌÓ  Óà àà àà àà àà àà àÓÓà àà àà àà àà àà àà àà àà àà àà àà àà à_________________________________Ìà àà àà àà àà àà àà àHENRY€F.€TODDÌà àà àà àà àà àà àà àPRESIDING€JUDGE,€MIDDLEÏSECTIONÌÌÌCONCUR:ÌÌÌ_____________________________ÌSAMUEL€L.€LEWIS,€JUDGEÌÌÌ_____________________________ÌBEN€H.€CANTRELL,€JUDGEÌÌÓÓÌà àà àÌÌà à€ÌÌ