Opinion issued February 20, 2014

In The

Court of Appeals 

For The 

First District of Texas 

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NO. 01-12-00936-CV

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DEMERCE P. DENNIS, Appellant

V.

SCIL TEXAS, INC. D/B/A SPEEDY CASH, Appellee

On Appeal from County Civil Court at Law No. 4

Harris County, Texas

Trial Court Case No. 1016933

 

MEMORANDUM OPINION

Appellant, Demerce P. Dennis, challenges the trial court’s rendition of 

summary judgment in favor of appellee, SCIL Texas, Inc. doing business as

Speedy Cash (“SCIL”), in SCIL’s suit against him for breach of contract, on a 
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sworn account, and, alternatively, for quantum meruit. In his sole issue, Dennis 

contends that the trial court erred in granting SCIL summary judgment. 

We affirm.

Background

In its verified petition in the justice court, SCIL alleged that it, pursuant to a 

“Speedy Cash Credit Services Agreement” (the “Agreement”), provided a cash

loan to Dennis, who defaulted by failing to repay the loan as agreed. SCIL sought 

damages of $1,024.66. SCIL attached to its petition the Agreement and a record of 

Dennis’s account, supported by the affidavit of SCIL’s custodian of records. SCIL 

also propounded Requests for Admissions, requiring Dennis to admit or deny each 

of the substantive allegations in its petition. Dennis filed an unverified answer,

generally disputing the debt, and he did not respond to SCIL’s Requests for 

Admissions. SCIL subsequently moved for summary judgment, which the justice 

court granted. 

Dennis appealed to the county court for a trial de novo,

1 and he refiled his 

prior answer. SCIL again moved for summary judgment, asserting that Dennis’s 

“answer [was] defective and insufficient in law to constitute or raise a defense to 

[its] cause of action”; the Requests for Admissions, propounded in the justice 

court, were deemed admitted because Dennis had failed to timely respond; and 

 1 See Villalon v. Bank One, 176 S.W.3d 66, 69–70 (Tex. App.—Houston [1st Dist.] 

2004, pet. denied).
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“the deemed admissions, as well as other pleadings, affidavits, and exhibits filed” 

established that it was entitled to judgment as a matter of law. 

SCIL attached to its summary-judgment motion its Requests for 

Admissions; the Agreement; an account statement showing that on April 23, 2011, 

SCIL had advanced to Dennis $826.43, which he was to repay by May 6, 2011; 

and the affidavit of Jorge Gonzalez, SCIL’s Vice President of Customer Relations

and custodian of records. Gonzalez testified that SCIL had advanced credit to 

Dennis, as shown in the accompanying account documents, and it had sent 

numerous statements to him requesting payment. However, Dennis had “failed 

and refused to pay the account, and [was] indebted to SCIL [in] the sum of 

$1,024.66, after all lawful offsets and credits.” SCIL also attached to its motion 

the affidavit of its attorney, James West, who testified that SCIL had incurred 

reasonable and necessary attorney’s fees of $750.

In response to SCIL’s summary-judgment motion, Dennis filed an “answer,” 

disputing the existence of an agreement between the parties; asserting a defect of 

parties, specifically, naming “James West” as plaintiff and asserting that “Plaintiff 

is not the real party in interest and has failed to name all necessary parties”; and 

asserting the affirmative defense of accord and satisfaction. Dennis also filed 

answers to SCIL’s Requests for Admissions, admitting that he was properly named 

in the petition, had received an invoice for the amount listed in the statement 
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attached to the petition, and the amount of attorney’s fees stated were reasonable 

and necessary.

On September 19, 2012, the trial court, without stating its basis, rendered 

summary judgment for SCIL, awarding it damages in the amount of $1,024.66 plus

attorney’s fees of $750.00. A week later, Dennis filed an “Affidavit of Sworn 

Denial,” “challenging” the “charges.” His motion for new trial was denied by 

operation of law.

Standard of Review

We review a trial court’s granting of a summary judgment de novo. 

Ferguson v. Bldg. Materials Corp. of Am., 295 S.W.3d 642, 644 (Tex. 2009). To 

prevail on a summary-judgment motion, a movant has the burden of proving that it 

is entitled to summary judgment as a matter of law and there is no genuine issue of 

material fact. TEX. R. CIV. P. 166a(c); Mann Frankfort Stein & Lipp Advisors, Inc. 

v. Fielding, 289 S.W.3d 844, 848 (Tex. 2009). A plaintiff moving for summary 

judgment must establish its right to summary judgment by conclusively proving all 

the elements of its cause of action as a matter of law. Rhone–Poulenc, Inc. v. Steel, 

997 S.W.2d 217, 222 (Tex. 1999). Once the movant produces sufficient evidence 

to establish its right to summary judgment, the burden shifts to the nonmovant to 

come forward with competent controverting evidence that raises a fact issue. See

Van v. Pena, 990 S.W.2d 751, 753 (Tex. 1999). A genuine issue of fact arises if 
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reasonable and fair-minded jurors could differ in their conclusions in light of all of 

the summary judgment evidence. See Goodyear Tire & Rubber Co. v. Mayes, 236 

S.W.3d 754, 755 (Tex. 2007). We indulge every reasonable inference and resolve 

any doubts in the nonmovant’s favor. See Sw. Elec. Power Co. v. Grant, 73 

S.W.3d 211, 215 (Tex. 2002). When a trial court’s judgment does not specify the 

grounds upon which the trial court relied in granting it, we must affirm “if any of 

the summary-judgment grounds are meritorious.” FM Props. Operating Co. v. 

City of Austin, 22 S.W.3d 868, 872 (Tex. 2000). 

Summary Judgment

In his sole issue, Dennis argues that the trial court erred in granting SCIL 

summary judgment because SCIL’s evidence is “insufficient” or “incompetent” to 

establish its right to recover on its claims. He asserts that SCIL failed to produce 

“the original loan documents,” SCIL failed to show that the account was “properly 

assigned,” and Gonzalez’s affidavit does not “positively show a basis for” his

personal knowledge.

To be entitled to summary judgment on its breach-of-contract claim, SCIL

was required to prove, as a matter of law: (1) the existence of a valid contract; (2) 

performance or tendered performance by SCIL; (3) a breach of contract by Dennis; 

and (4) damages sustained as a result of the breach. Winchek v. Am. Express 

Travel Related Servs. Co., 232 S.W.3d 197, 202 (Tex. App.—Houston [1st Dist.] 
6

2007, no pet.). To be enforceable, a contract must contain terms sufficiently 

certain to enable a court to determine the rights and responsibilities of the parties. 

Id. And the material terms must be agreed upon. T.O. Stanley Boot Co. v. Bank of 

El Paso, 847 S.W.2d 218, 221 (Tex. 1992).

Here, SCIL presented, as summary-judgment evidence,

2 a copy of the signed 

Agreement, establishing the existence of an enforceable contract. See Winchek, 

232 S.W.3d at 202. Although the Agreement provides that SCIL is “not a lender,” 

it agreed, on Dennis’s behalf, to obtain a loan and “issue a letter of credit” to 

secure the loan. The Agreement also shows that on April 23, 2011, Dennis agreed 

to pay SCIL $826.43, ten-percent interest, and a fee of $165.29. He agreed to pay, 

on May 6, 2011, SCIL $994.66 by electronic debit from his banking account, 

providing SCIL with the pertinent routing and account number. In the event that 

he defaulted and SCIL had to pay on its letter of credit, Dennis agreed to pay 

SCIL. And he agreed to pay a fee of $30.00, for any returned check, and

reasonable attorney’s fees, in the event of collections. “In a contract to loan 

money, the material terms will generally be: the amount to be loaned, maturity date 

 2 We recognize that a party’s failure to timely respond to requests for admissions 

generally results in the matters therein being deemed admitted. See TEX. R. CIV.

P. 198.2(c); Wheeler v. Green, 157 S.W.3d 439, 443 (Tex. 2005). SCIL’s Requests 

for Admissions, however, required Dennis to admit or deny each of the substantive 

allegations in its petition. Requests for admission are intended to address 

uncontroverted issues. Wheeler, 157 S.W.3d at 443. A party may not use deemed 

admissions to try to preclude a presentation of the merits of a case. See id.
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of the loan, the interest rate, and the repayment terms.” See T.O. Stanley, 847 

S.W.2d at 221. We conclude that the Agreement reflects these terms and is 

sufficiently certain to enable a court to determine the rights and responsibilities of 

the parties. See id.; Winchek, 232 S.W.3d at 202; see also Somers v. Aranda, 322 

S.W.3d 342, 345 (Tex. App.—El Paso 2010, no pet.) (concluding that material 

terms of contract were sufficiently definite to support summary judgment).

The account statement shows that Dennis received from SCIL a “payday 

loan” of $826.43 on April 23, 2011; repayment of $994.66 was due on May 6, 

2011; the debit from his banking account on May 9, 2011 was returned and a 

$30.00 fee added to his account; no payments were successfully made; and the

amount due on the account as of the date of default was $1,024.66. Gonzalez’s 

testimony establishes that SCIL performed the Agreement by advancing credit to 

Dennis as shown in the account documents; Dennis defaulted on the Agreement by 

failing to repay the loan as agreed; and the damages sustained. See Winchek, 232

S.W.3d at 202. 

Dennis argues that SCIL’s evidence is insufficient to support summary 

judgment because SCIL failed to produce “the original loan documents” and 

Gonzalez failed to confirm that “the copy was compared against the original.” 

Defects in the form of affidavits or attachments will not constitute grounds for 

reversal unless specifically pointed out by objection by an opposing party with 
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opportunity, but refusal, to amend. TEX. R. CIV. P. 166a(f). Because the record 

does not show that Dennis objected in the trial court to the form of the loan 

documents, this issue is not preserved for appeal. See id.; TEX. R. APP. P. 33.1. 

Moreover, Gonzalez testified that he had care, custody, and control of the records 

pertaining to Dennis’s account, which were maintained in the regular and ordinary 

course of business, and the loan documents attached were “true and correct copies” 

of those records. See TEX. R. CIV. P. 166a(f); see also TEX. R. EVID. 1003.

Next, Dennis asserts that SCIL failed to show that the account was “properly 

assigned” to James West. The record before us reflects that James West, as SCIL’s 

counsel, brought this action on behalf of SCIL to recover on its Agreement with 

Dennis. Nothing in the record before us suggests that West is pursuing a cause of 

action on his own behalf.

Finally, Dennis argues that Gonzalez’s affidavit is insufficient to support 

summary judgment because it does not “positively show” that it is based on 

personal knowledge. An affidavit must be made on personal knowledge, set forth 

facts that would be admissible in evidence, and show that the affiant is competent 

to testify to the matters stated therein. See TEX. R. CIV. P. 166a(f). A complaint 

that an affidavit is not based on personal knowledge is a defect in form that must 

be preserved by objection in the trial court. Rizkallah v. Conner, 952 S.W.2d 580, 

584–85 (Tex. App.—Houston [1st Dist.] 1997, no pet.). Because the record does 
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not show that Dennis objected in the trial court on this basis, the issue is not 

preserved for appeal. See id.

Moreover, Gonzalez’s testimony that his affidavit is based on his personal 

knowledge of the facts as Vice President of Customer Relations for SCIL

demonstrates a sufficient basis for personal knowledge concerning Dennis’s 

account. See Brown v. Mesa Distribs., Inc., 414 S.W.3d 279, 287 (Tex. App.—

Houston [1st Dist.] 2013, no pet.) (“An affidavit from a company officer claiming 

personal knowledge of the issue and the company’s records is sufficient evidence 

for summary judgment.”); Miller v. Raytheon Aircraft Co., 229 S.W.3d 358, 365–

66 (Tex. App.—Houston [1st Dist.] 2007, no pet.) (“The personal knowledge 

requirement is satisfied if the affidavit sufficiently describes the relationship 

between the affiant and the case so that it may be reasonably assumed that the 

affiant has personal knowledge of the facts stated in the affidavit.”).

We conclude that SCIL’s evidence, taken together, establishes the existence 

of a valid contract between SCIL and Dennis, SCIL tendered performance by 

providing a loan to Dennis, which Dennis accepted, and Dennis defaulted by 

failing to pay the outstanding balance of $1,024.66 in accordance with the 

Agreement. See T.O. Stanley, 847 S.W.2d at 221; Winchek, 232 S.W.3d at 202.

Because SCIL produced evidence establishing, as a matter of law, its right to 

summary judgment on its breach-of-contract claim, Dennis had the burden to come 
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forward with competent controverting evidence that raised a fact issue. See Van, 

990 S.W.2d at 753. Dennis responded to SCIL’s summary-judgment motion by 

filing answers to SCIL’s Requests for Admissions. Because he did not offer any 

evidence, he did not meet his summary-judgment burden. See id.

We hold that SCIL established that it is entitled to summary judgment as a 

matter of law on its breach-of-contract claim. Accordingly, we overrule Dennis’s 

sole issue.3

 

Conclusion

We affirm the judgment of the trial court.

Terry Jennings

Justice 

Panel consists of Justices Jennings, Higley, and Sharp.

 3 Because we conclude that the trial court did not err in granting summary judgment 

on SCIL’s breach-of-contract claim, we do not reach its other asserted grounds.