COURT OF APPEALS

SECOND DISTRICT OF TEXAS

FORT WORTH

NO. 02-12-00027-CV

JOHN MARGETIS AND MICKEY 

MARGETIS

APPELLANTS

V.

FROST NATIONAL BANK APPELLEE

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FROM COUNTY COURT AT LAW NO. 2 OF TARRANT COUNTY

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MEMORANDUM OPINION1

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I. INTRODUCTION

In three issues, Appellants John Margetis and Mickey Margetis, appearing 

pro se, appeal from the trial court’s summary judgment awarding Appellee Frost 

National Bank damages of $5,440.52, plus $3,437.00 in attorneys’ fees, court 

costs, and postjudgment interest. We will affirm.

 

1See Tex. R. App. P. 47.4.
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II. FACTUAL AND PROCEDURAL BACKGROUND

In May 2003, Appellants executed a note in the principal amount of 

$7,905.81, which was made payable to Arlington National Bank. To secure the 

debt created by the note, Appellants executed a security agreement granting 

Arlington National Bank a security interest in a 1994 freightliner. The note was 

later fully transferred and assigned to Frost Bank. The note matured on its own 

terms in May 2007. By December 2009, the remaining balance of the note, 

including interest, was $4,656.20. Frost Bank demanded that Appellants 

surrender the 1994 freightliner, but Appellants “defaulted in doing so.” 

Frost Bank thereafter brought suit to recover the balance of the note, along 

with the interest and charges that had accrued, and attorneys’ fees. Appellants 

filed an answer generally denying Frost Bank’s claims. Frost Bank moved for 

summary judgment, arguing that there is no genuine issue as to any material fact 

and that Frost Bank is entitled to judgment as a matter of law. The trial court 

granted summary judgment for Frost Bank, and this appeal followed. 

III. STANDARD OF REVIEW

We review a summary judgment de novo. Travelers Ins. Co. v. Joachim, 

315 S.W.3d 860, 862 (Tex. 2010). We consider the evidence presented in the 

light most favorable to the nonmovant, crediting evidence favorable to the 

nonmovant if reasonable jurors could and disregarding evidence contrary to the 

nonmovant unless reasonable jurors could not. Mann Frankfort Stein & Lipp 

Advisors, Inc. v. Fielding, 289 S.W.3d 844, 848 (Tex. 2009). We indulge every 
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reasonable inference and resolve any doubts in the nonmovant’s favor. 20801, 

Inc. v. Parker, 249 S.W.3d 392, 399 (Tex. 2008). A plaintiff is entitled to 

summary judgment on a cause of action if it conclusively proves all essential 

elements of the claim. See Tex. R. Civ. P. 166a(a), (c); MMP, Ltd. v. Jones, 710 

S.W.2d 59, 60 (Tex. 1986). 

IV. FROST BANK IS ENTITLED TO SUMMARY JUDGMENT

Appellants raise three issues on the “Issue Presented” page in their brief:

1. The trial court erred by issuing a summary judgment, when 

proper service or notice was not given.

2. The trial court erred in issuing a summary judgment obtained 

through submission, when in fact, Arlington National Bank was the 

owner, and not Frost Bank.

3. The trial court erred in allowing the defendants to obtain this 

judgment through attorney gamesmanship and unclean hands.

Appellants’ argument for all three issues consists only of the following: “The trial 

Court has no authority to enter a summary judgment when,” which is followed by 

two pages of text that have been copied from a case, the text of rule 166a(a), 

and the conclusion that “[i]f the rights of parties would have been adjudicated, the 

trial court would have allowed the defendants to have a jury trial and have their 

fair day in court, as was requested in their timely original petition filing.” 

In a summary judgment proceeding, the nonmovant must expressly 

present to the trial court, by written answer or response, any issues defeating the 

movant’s entitlement to summary judgment. McConnell v. Southside ISD, 858 

S.W.2d 337, 343 (Tex. 1993). Issues not expressly presented to the trial court by 
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written motion, answer, or other response shall not be considered on appeal as 

grounds for reversal. Tex. R. Civ. P. 166a(c); see McConnell, 858 S.W.2d at 

343. While the nonmovant need not file an answer or response to the summary 

judgment motion, the nonmovant who does not file a response may contend on 

appeal only that the movant’s evidence supporting the motion was insufficient as 

a matter of law or that the grounds in the motion do not dispose of all the claims 

in the case. Rhone-Poulenc, Inc. v. Steel, 997 S.W.2d 217, 223 (Tex. 1999); City 

of Houston v. Clear Creek Basin Auth., 589 S.W.2d 671, 678 (Tex. 1979).

Because Appellants did not raise any of their issues in the trial court in a 

response to Frost Bank’s motion for summary judgment or in a postjudgment 

motion,

2 we broadly construe Appellants’ issues as arguing that the trial court 

erred by granting summary judgment to Frost Bank because the evidence 

supporting the motion was insufficient as a matter of law. To recover on a 

promissory note, the plaintiff must prove: (1) the note in question, (2) the party 

sued signed the note, (3) the plaintiff is the owner or holder of the note, and (4) a 

certain balance is due and owing on the note. See Manley v. Wachovia Small 

 

2Because, as set forth above, Appellants filed an answer in the trial court, 

we interpret their first issue as a complaint regarding lack of service and notice

regarding the motion for summary judgment and the hearing thereon. A party 

who has no notice of the summary judgment hearing is unable to attend the 

hearing and should be able to preserve error by post-trial motion. Rios v. Tex. 

Bank, 948 S.W.2d 30, 33 (Tex. App.—Houston [14th Dist.] 1997, no writ). 

Appellants, however, did not file a postjudgment motion. Moreover, the record 

reveals that Frost Bank served on Appellants its motion for summary judgment 

and gave notice to Appellants of the hearing on its motion for summary judgment 

via regular mail and certified mail at the address Appellants used in their answer. 
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Bus. Capital, 349 S.W.3d 233, 237 (Tex. App.—Dallas 2011, pet. denied). The 

summary judgment evidence established the note in question, that Appellants 

signed the note, that Frost Bank is the owner or holder of the note, and that 

Appellants did not pay the note when it matured. We hold that Frost Bank 

conclusively proved all the essential elements of its claim and was entitled to 

summary judgment as a matter of law. See Affordable Motor Co. v. LNA, LLC, 

351 S.W.3d 515, 520–21 (Tex. App.—Dallas 2011, pet. denied) (holding that 

lender established the four elements as a matter of law and satisfied its summary 

judgment burden); Fritz v. Inter Nat’l Bank, No. 13-01-00851-CV, 2003 WL 

22025867, at *4 (Tex. App.—Corpus Christi Aug. 29, 2003, no pet.) (mem. op.)

(stating that the uncontroverted summary judgment evidence showed that the 

Bank owned the Note, that Fritz made the Note, and that the Note was in default; 

“[o]n that basis, we conclude that, as a matter of law, the Bank is entitled to 

recover from Fritz the principal and interest due on the Note in the amount 

awarded by the trial court.”). We therefore overrule Appellants’ three issues.

V. CONCLUSION

Having overruled Appellants’ three issues, we affirm the trial court’s 

judgment.

PER CURIAM

PANEL: WALKER, DAUPHINOT, and GABRIEL, JJ.

DELIVERED: October 18, 2012