Judge: Mark H. Epstein, Case: 22SMCV01852, Date: 2023-05-26 Tentative Ruling

Case Number: 22SMCV01852    Hearing Date: May 26, 2023    Dept: R

Plaintiffs CMB Export Infrastructure Investment Group 48, LP (CMB), and Texas 3 Bobs, LP (T3B, and, collectively “plaintiffs”) filed this action against defendants Motcomb Estates, Ltd. (Motcomb), Reuben Brothers, Ltd. (Reuben or Reuben Brothers), First American Title Insurance Company, and Next Century Partners, LLC (NCP) over how loans on a construction project were handled.  According to the operative complaint, defendant Next Century Partners is the developer of a project that aimed to redevelop the iconic Century Plaza Hotel together with the construction of two condominium towers.  (Compl., ¶47.)  In 2016, NCP secured $1.016 billion in private construction financing for the project.  (Id. at ¶55.)  Plaintiffs allege that the senior construction loan of $446 million was from JP Morgan, the senior mezzanine financing of $120 million from CDCF IV, and $450 million in junior mezzanine financing from plaintiff CMB.  (Ibid.)  Various agreements between the lenders and NCP’s affiliates (as borrower) memorialized these loans.  (Id. at ¶¶56-58.)  The borrower on plaintiff CMB’s loan is CPMB, an indirect 100% owner of NCP and the project, and repayment on this loan is partly secured by pledge of 100% control and ownership in CPMB.  (Id. at ¶60.)  CMB’s loan is junior to the senior mezzanine loan; the borrower of that loan is NCPMB.  (Ibid.)  And both Mezzanine loans are subordinate to the senior loan.  Today’s hearing concerns a demurrer filed by Reuben Brothers and Motcomb as well as a preliminary injunction hearing.  The latter is largely moot, as the foreclosure sale has occurred.  Thus, the bulk of the discussion below pertains to the demurrer.  For purposes of the demurrer (and unlike a preliminary injunction), the court looks only to the complaint and matters of which the court can take judicial notice.  That includes the various agreements referred to and central to the complaint.  Because the preliminary injunction is largely moot, the discussion below focuses on the complaint and not on any of the additional evidence submitted as part of the PI papers.

Plaintiffs claim that JP Morgan, as the administrative agent for the senior and senior mezzanine loans, and CMB entered into an Intercreditor Agreement on July 5, 2016 to define the rights and obligations amongst the lenders.  (Compl., ¶61.) Plaintiffs assert that the agreement provides that the senior and senior mezzanine lenders were prohibited from entering into modifications of their loans that would materially increase the monetary obligations of the senior loan borrower (NCP) or senior mezzanine loan borrower (NCPMB) without CMB’s prior written consent.  (Id. at ¶62.)  Plaintiffs state the Intercreditor Agreement has been amended four times, most recently in September 2020.  (Id. at ¶63.)  The first three amendments concerned CMB’s consent to increases in the senior or senior mezzanine loans.  (Id. at ¶¶64-71.)

Plaintiffs state that in March 2020, the same month that the COVID shutdowns began, JP Morgan declared the senior loan out of balance, and even though approximately $216 million of the senior loan remained to be spent, JP Morgan questioned whether NCP’s combined sources of capital would be enough to complete the project.  (Compl., ¶72.)  Consequently, NCP was forced to look for additional funding in 2020 to complete the project.  (Id. at ¶73.)  Plaintiffs allege that on September 1, 2020, the senior mezzanine lenders, including defendant Reuben Bros. (which was being added to the lender roster) and NCPMB, as the senior mezzanine borrower, entered into an amended security agreement that increased the maximum principal amount of the senior mezzanine loan.  (Id. at ¶74.)  Prior to that amendment, CDCF and NCP informed CMB that Reuben had agreed to fund an increase in the senior mezzanine loan in the amount of $275,000,000 and its affiliate, Motcomb, would be the new senior mezzanine agent.  (Id. at ¶75.)

Plaintiffs claim that before the parties entered into that agreement, CMB offered to assist in the additional funding through CMB or an affiliate, and that loan would be repaid prior to the senior mezzanine loan.  (Compl., ¶76.)  CDCF allegedly refused because it did not want CMB to leapfrog in terms of priority.  (Ibid.)

On September 1, 2020, JP Morgan, Motcomb, and CMB entered into the Fourth Amendment of the Intercreditor Agreement to memorialize plaintiff’s consent to the increased maximum principal amount of the senior mezzanine loan.  (Compl., ¶78.)  Plaintiffs claim that “To induce CMB to sign the Fourth Amendment to Intercreditor Agreement, Reuben Bros. and Motcomb fraudulently misrepresented to CMB that all of Reuben Bros.’  $275,000,000 ‘tranche’ (with the exception of certain amounts used to pay down Senior Loan debt owed to JP Morgan) would actually be made available to NCPMB and Next Century to complete the Project work.  This misrepresentation was contained in the Third Amended and Restated Senior Mezzanine Loan Agreement and Exhibit H thereto, which were finalized and incorporated into the Fourth Amendment to Intercreditor Agreement.”  (Id. at ¶79.)  Plaintiffs contend that Reuben, Motcomb, and CDCF did not inform CMB that as of September 1, 2020, they had or were about to enter into a series of agreements that would eventually wind up extinguishing CMB’s junior mezzanine loan interest.  (Id. at ¶81.)  Plaintiffs assert that CMB would not have entered into the Fourth Amendment or consented to the increase in the senior mezzanine loan amount had it known of Reuben’s intent.  (Id. at ¶82.)

Plaintiffs claim that with the Reuben’s additional $275 million tranche on top of the senior mezzanine loan and the existing $216 million remaining on the loan commitment of the senior loan, there were adequate funds to finish construction without the need for protective advances.  (Compl., ¶¶85-86.)  (A protective advance is an advance that the lender makes voluntarily to protect the project, usually after the loan is in default or there is some other reason why a normal advance would not be made; it typically is more expensive than a regular advance on the loan.)  However, Reuben purportedly made less than $200 million of its commitment available to the borrowers to help them overcome pandemic-related setbacks.  (Id. at ¶87.)  Plaintiffs claim that $75 million was used to pay down senior loan amounts but less than $125 million was made available to pay for construction costs before the “arbitrarily short maturity date of July 9, 2021.”  (Id. at ¶88.)  (While that date may be arbitrary, it is the maturity date that is in the loan documents; plaintiffs were aware of that date when they signed the fourth amendment to the Intercreditor Agreement.)  Plaintiffs allege that Reuben engineered its participation in the loans so it could quickly force the project to take on Protective Advances at a 20% annual rate on top of default rate of interest, instead of the full amount of the senior mezzanine loan.  (Id. at ¶89.)  Plaintiffs assert that the scheme is obvious when taking into consideration that only one year after the maturity date, Reuben had already charged NCPMB and the project $269,807,671.08 in interest and fees on the project.  (Id. at ¶¶90-91.)

Plaintiffs contend that on September 1, 2020, Motcomb, Reuben, and CDCF entered into a secret “Participation Agreement” that gave Reuben’s interest in the senior mezzanine loan priority over CDCF’s loan.  (Compl., ¶93.)  Reuben and CDCF allegedly agreed that if there was a default of the senior mezzanine loan, Reuben would seize indirect 100 percent control of the project and its profits.  (Ibid.)  Plaintiffs allege that the Participation Agreement further prohibited CDCF from assigning its interest in the senior mezzanine loan to CMB without Reuben and Motcomb’s consent.  (Id. at ¶94.)  “The Participation Agreement also purportedly allowed Reuben Bros. to charge CDCF IV interest in the amount of 30% per annum on Protective Advances that CDCF IV did not fund to the Project under the Senior Mezzanine Loan (in addition to the 20% per annum being charged to NCPMB for Protective Advances under the Senior Mezzanine Loan documents).  [¶] This provision in the Participation Agreement, if enforced, would further prevent CMB from exercising its lawful right under the Intercreditor Agreement to protect its Junior Mezzanine Loan position by buying CDCF IV’s participation interest in the Senior Mezzanine Loan.”  (Id. at ¶¶95-96.)

On July 12, 2021, JP Morgan informed CMB of a “Purchase Option Event” under the Intercreditor Agreement due to NCP’s failure to repay the senior loan prior to the loan maturity date.  (Compl., ¶97.)  The Intercreditor Agreement gives CMB a one-time right to purchase the senior loan, in whole but not in part, after notification of a Purchase Option Event.  (Id. at ¶98.)  The definition of a Purchase Option Event was first made in the original Intercreditor Agreement but the Fourth Amendment expanded the definition to include NCP’s failure to repay the loan on the maturity date.  (Id. at ¶¶99-100.)  On October 15, 2021, CMB learned that JP Morgan’s duties as the senior agent had been reassigned to Motcomb as part of a transaction in which Reuben purchased all or part of the senior loan.  (Id. at ¶101.)  Plaintiffs insist that any senior lender acting in good faith would have extended the initial maturity date due to the various issues that plagued the project, including COVID and current numbers, especially given that the project was well underway and nearing completion.  (Id. at ¶102.)  However, Reuben purportedly obtained its interests in the senior and senior mezzanine loans with the intent to refuse to extend the July 1, 2021 loan maturity date even though doing so was commercially unreasonable.  (Id., at ¶104.)  Plaintiffs contend that “the total combined amount due under the Senior Loan and Senior Mezzanine Loan as of July 9, 2022 was $2,226,082,594[.]”  (Id. at ¶105.)  Reuben’s alleged actions of requiring Protective Advances was purportedly part of its plan to make the borrowers’ repayment of the junior mezzanine loan an impossibility and therefore to be able to extinguish everyone’s interest in the project but their own.  (Id. at ¶109.)

Preliminary Injunction

According to defendants, the preliminary injunction motion is moot because mortgage foreclosure sale occurred on or about April 6.  Reuben (or an entity Reuben controls) placed a successful credit bid of $1,014,560,000 for the collateral consisting of the hotel, retail properties, and certain condo units.  The remaining 197 condo units are still owned by Next Century.  Defendants also entered into a forbearance agreement with Next Century.  (Next Century states that, as a result of the foreclosure, it ought to be dismissed from the action.  However, that request was stated in its CMC statement; that does not a proper motion make.)  Plaintiffs argue in their own supplemental brief that defendants misled the court about the needed urgency for the foreclosure sale, and the court was initially quite concerned.  Reuben pressed very hard for the TRO not to extend long enough to stop a sale before April 1, 2023 because on that date a new law was taking effect imposing a 5.5% transfer tax on property transfers in excess of $10 million.  Reuben wanted to avoid that tax by having the foreclosure sale completed no later than March 31, 2023.  (There is considerable doubt about this tax.  It is being challenged in court and the outcome is uncertain.  Further, traditionally transfer taxes do not apply to amounts paid by the lender in a credit bid up to the amount of the debt.  If that rule applies here, Reuben’s additional transfer tax liability would be little or nothing.  However, it is not clear that this will apply to the new law.)  The court went to great lengths to hold the PI hearing before the end of March to accommodate Reuben.  Ultimately, the court held the hearing and issued the PI, but set a high bond that CMB was unable to post.  That said, though, the sale did not go forward until early April.  The court was initially troubled because of Reuben’s urgent request that it be allowed to complete the sale before April—yet it appeared that it elected not to do so.  However, Reuben explained the problem.  It was apparently ready to complete the foreclosure sale on March 31, 2023, but that was Caesar Chavez day and the sale could therefore not go forward.  Frankly, the fact that March 31, 2023 was a date that the sale could not go forward was something that the court did not know, and apparently neither did any of the parties.  Because the court had essentially barred the sale from going forward any sooner than that, Reuben simply was unable to complete the sale in March.  That was not a delay of Reuben’s making, and the court’s concerns have been satisfied.  Because the sale has already occurred, the motion to enjoin it is MOOT.  However, as stated before, Reuben voluntarily offered not to compromise the property without giving notice.  By way of background, the urgency plaintiffs’ alleged to support an injunction where there was no irreparable injury (recall that CMB is not an equity holder, it is a lender and T3B’s interest is remote) was that Reuben is not an American entity and that plaintiffs would be unable to collect on any judgment they ultimately obtained.  Reuben argued that it did have an asset locally—the hotel (at least if Reuben was the successful bidder).  That asset is likely more than enough to satisfy any judgment plaintiffs might obtain—especially since Reuben owns the property essentially outright.  The court held the hearing but stated that it would hold Reuben to its promise.  As a result of its voluntary undertaking, Reuben (as well as its affiliates, including the successful bidder) are precluded from selling, hypothecating, encumbering, or in any way impairing its interest in the hotel without first giving plaintiffs at least 45 days’ notice.  After 45 days, absent some order from the court, Reuben is free to take such an action—this is a notice requirement, not a general bar from taking action.  However, such notice will be required.  CMB is to provide an appropriate order after giving it to Reuben for approval as to form.

Request for Judicial Notice

Defendants request judicial notice of the various Intercreditor Agreements and the Participation Agreement. The contracts are discussed at length in the complaint but that alone does not make the contracts themselves the proper subject of judicial notice.  A contract between private parties is usually not subject to judicial notice. (Gould v. Maryland Sound Industries, Inc. (1995) 31 Cal.App.4th 1137, 1145.)  However, a court can take judicial notice of a contract when there is no dispute regarding its authenticity and enforceability.  (Pastoria v. Nationwide Ins. (2003) 112 Cal.App.4th 1490, 1495 fn. 4; see also Ascherman v. Gen. Reinsurance Corp. (1986) 183 Cal.App.3d 307, 310-311; StorMedia Inc. v. Superior Court (1999) 20 Cal.4th 449, 457, fn. 9.)  Here, the court can consider the various agreements referred to in the complaint and, given that there is no dispute as to the words used therein, the court can consider the contract’s terms.  What the court cannot do at this stage is interpret the contracts unless they are clear and unambiguous and no parol interpretation would change the result.  (There may be an interesting choice of law question one day as to whether California or New York law applies regarding the parol evidence rule given that the law in the two states is different, but that is not before the court today.)  Thus, the request for judicial notice is GRANTED to the extent it seeks no more than the foregoing, but is in other respects DENIED.

The court GRANTS defendants’ request for judicial notice of the New York complaint by CDCF, although (obviously) not of the truth of the allegations asserted therein, as well as orders and court filings in that case.  The court does not take judicial notice of the truth of any assertions of fact therein, but the court can, and does, take judicial notice of the fact of the proceedings and the jural effect of any orders made.  (Along those lines, Reuben seems to have suggested that the Appellate Division of the New York Supreme Court has lifted the injunction entered by the trial department.  The court does not have that order, and is unsure if the Appellate Division’s determination was merits-based or mootness-based, or whether any order issued at all.  While not really critical or even pertinent to the demurrer, the court is curious.)

With that, the court turns to the merits.

Fraudulent Concealment

The demurrer to the fraudulent concealment claim is OVERRULED.  “As noted, under Civil Code section 1710, subdivision (3), fraud may consist of a suppression of a material fact in circumstances under which the defendant has a legal duty of disclosure.  (See Lingsch v. Savage (1963) 213 Cal.App.2d 729, 735 [‘the person charged with the concealment or nondisclosure of certain facts’ must be found to be ‘under a legal duty to disclose them’].)”  (Hoffman v. 162 North Wolfe LLC (2014) 228 Cal.App.4th 1178, 1186, parallel citations omitted.)  There are typically four relationships where concealment may constitute fraud: (1) where there is a fiduciary relationship between the defendant and plaintiff; (2) where the defendant has exclusive knowledge of material facts of which the plaintiff is unaware; (3) where the defendant actively conceals material facts from the plaintiff; and (4) where the defendant makes a partial representation but conceals material facts.  (Ibid., citing LiMandri v. Judkins (1997) 52 Cal.App.4th 326, 336.)  Aside from the first ground, the remaining ones presuppose the existence of a relationship between the plaintiff and defendant where a duty to disclose would arise.  (Id. at p. 1187, citing LiMandri, supra, 52 Cal.App.4th at p. 336-337.)  “A relationship between the parties is present if there is ‘some sort of transaction between the parties.  [Citations.]  Thus, a duty to disclose may arise from the relationship between seller and buyer, employer and prospective employee, doctor and patient, or parties entering into any kind of contractual agreement.’  (LiMandri, at p. 337, original italics, citing Warner Constr. Corp. v. City of Los Angeles (1970) 2 Cal.3d 285, 294; see Use Note to CACI No. 1901 [indicating that for concealment claim not based upon fiduciary relationship, ‘if the defendant asserts that there was no relationship based on a transaction giving rise to a duty to disclose, then the jury should also be instructed to determine whether the requisite relationship existed’].)”  (Ibid.)

Defendants argue that plaintiffs have not alleged any duty to disclose in light of the Participation Agreement’s contractual language and CMB’s representations in the Intercreditor Agreement.  They further assert that the Participation Agreement did not change the borrowers’ obligations.  On the element of reliance, defendants claim plaintiffs cannot allege they relied on the nondisclosure in light of the fact they are sophisticated investors, the Intercreditor Agreements did not prevent such agreements, and plaintiff T3B already earned its profit.

Most, if not all of defendants’ arguments rely on the contracts and require the court to make reasonable inferences about what plaintiffs would or would not have done had they known certain facts.  That is not the province of a demurrer.  Additionally, plaintiffs have stated a claim for concealment where the defendants actively concealed material facts from plaintiffs regarding how much of Reuben’s tranche would be available for the borrower and Reuben, Motcomb, and CDCF’s intent to enter into a series of side agreements that presented the possibility of wiping out CMB’s junior mezzanine loan (and T3B’s profit interest).  (Compl., ¶¶79-82.)  The court must accept these assertions as true at this juncture.

As for reliance, that is a question of fact and the court cannot decide it now with the state of the allegations as they are.  “Justifiable reliance is an essential element of a claim for fraudulent misrepresentation, and the reasonableness of the reliance is ordinarily a question of fact.  (Seeger v. Odell (1941) 18 Cal.2d 409, 414–415; Danzig v. Jack Grynberg & Associates, supra, 161 Cal.App.3d at p. 1138.)  However, whether a party's reliance was justified may be decided as a matter of law if reasonable minds can come to only one conclusion based on the facts.  (9 Witkin, Cal. Procedure (3d ed. 1985) Appeal, § 289, p. 301.)”  (Guido v. Koopman (1991) 1 Cal.App.4th 837, 843.)  “Reliance is ‘justifiable’ only when ‘circumstances were such to make it reasonable for plaintiff to accept defendant's statements without an independent inquiry or investigation.’  (Wilhelm v. Pray (1986) 186 Cal.App.3d 1324, 1332, italics omitted.)”  (Philipson & Simon v. Gulsvig (2007) 154 Cal.App.4th 347, 363, parallel citations omitted.)  The court cannot say at present that the issue is so clear as to be decided as a matter of law at the pleading stage.  The demurrer is OVERRULED.

Breach of Fiduciary Duty

The second cause of action is for breach of fiduciary duty and is brought by T3B only. The demurrer is SUSTAINED WITH 30 DAYS’ LEAVE TO AMEND.  T3B alleges that “[d]efendants Reuben Bros. and Motcomb were co-investors with Plaintiff T3B in the Project and were in a fiduciary relationship with one another and owed each other a duty of utmost good faith and fair dealing.”  (Compl., ¶130.)  But alleging the legal relationship does not make it so.  “ ‘[B]efore a person can be charged with a fiduciary obligation, he must either knowingly undertake to act on behalf and for the benefit of another, or must enter into a relationship which imposes that undertaking as a matter of law.’  (Committee on Children's Television, Inc. v. General Foods Corp. (1983) 35 Cal.3d 197, 221.)”  (City of Hope National Medical Center v. Genentech, Inc. (2008) 43 Cal.4th 375, 386, parallel citations omitted.)  The court does not understand the basis of the fiduciary duty defendants allegedly owed T3B.  In their opposition, plaintiffs cite no authority indicating that co-investors owe fiduciary duties to other investors.  Instead, they generally assert that T3B was owed a fiduciary duty because it holds a profit interest in one of the entities in the funding stack for the project.  The senior lenders, plaintiffs contend, have obtained control over the affairs of all investors (including T3B) and the entire project, which they assert is equivalent to a fiduciary duty.  It is not.  “ ‘ “The essence of a fiduciary or confidential relationship is that the parties do not deal on equal terms because the person in whom trust and confidence is reposed and who accepts that trust and confidence is in a superior position to exert unique influence over the dependent party.” ’  (Richelle L. v. Roman Catholic Archbishop, supra, 106 Cal.App.4th at p. 271.)  Fiduciary obligations ‘generally come into play when one party's vulnerability is so substantial as to give rise to equitable concerns underlying the protection afforded by the law governing fiduciaries.’  (City of Hope National Medical Center v. Genentech, Inc., supra, 43 Cal.4th at p. 389.)  While it is impossible to identify a single set of factors giving rise to a fiduciary relationship (id. at pp. 387–388), some reasons generally used to demonstrate that a party to such a relationship is vulnerable include: advanced age, youth, lack of education, ill health, and mental weakness.  (Richelle L. v. Roman Catholic Archbishop, supra, 106 Cal.App.4th at p. 280.)”  (Brown v. Wells Fargo Bank, N.A. (2008) 168 Cal.App.4th 938, 960, parallel citations omitted.)  None of those characteristics are attributed to T3B in its relationship with defendants.

The court adds that there is no indication that this was a joint venture or anything similar.  In fact, the allegations seem directly contrary to such a relationship.  “[T]here are only three elements to show the existence of a joint venture, which are similar to a general partnership: (1) joint interest in a common business; (2) with an understanding to share profits and losses; and (3) a right to joint control.  (See 580 Folsom Assocs. v. Prometheus Dev. Co. (1990) 223 Cal.App.3d 1, 15–16.)”  (Jacobs v. Locatelli (2017) 8 Cal.App.5th 317, 328, fn. 10, parallel citations omitted.)  “The existence of a fiduciary duty here depends on whether the parties were in a joint venture with each other, since partners or joint venturers have a fiduciary duty to act with the highest good faith towards each other regarding affairs of the partnership or joint venture.  (BT–I v. Equitable Life Assurance Society (1999) 75 Cal.App.4th 1406, 1410–1411; Laux v. Freed (1960) 53 Cal.2d 512, 522.)  The essential element of a joint venture is an undertaking by two or more persons to carry out a single business enterprise jointly for profit.  (Nelson v. Abraham (1947) 29 Cal.2d 745, 749.)”  (Pellegrini v. Weiss (2008) 165 Cal.App.4th 515, 524–525, parallel citations omitted.)  Those elements are not present here.  No fiduciary relationship has been sufficiently alleged.

Although the court has its doubts as to whether this defect can be cured, California law virtually mandates that T3B be given at least one chance to do so.  Accordingly, leave to amend is granted, but T3B ought not to be assured it will be granted a second time.

Breach of the Covenant of Good Faith and Fair Dealing

Again, only T3B brings this cause of action and alleges that defendants violated the duty of good faith and fair dealing they owed to it “as a profit participant in the Project and, as such, were obligated to allow Plaintiff T3B to receive the benefit of its bargain as a stakeholder in the Project, and not to frustrate, interfere with or otherwise deprive Plaintiff T3B of its contractual right to payment under its profit interest.”   (Compl., ¶142.) Defendants persuasively argue that there is no contract alleged with T3B in which they are a party.  “The prerequisite for any action for breach of the implied covenant of good faith and fair dealing is the existence of a contractual relationship between the parties, since the covenant is an implied term in the contract.”  (Smith v. City and County of San Francisco (1990) 225 Cal.App.3d 38, 48-49.)  Without the prerequisite contract, there can be no claim for breach of the implied covenant of good faith and fair dealing.  “The covenant of good faith and fair dealing, implied by law in every contract, exists merely to prevent one contracting party from unfairly frustrating the other party's right to receive the benefits of the agreement actually made.  (E.g., Waller v. Truck Ins. Exchange, Inc. (1995) 11 Cal.4th 1, 36.)  The covenant thus cannot ‘ “be endowed with an existence independent of its contractual underpinnings.” ’  (Ibid., quoting Love v. Fire Ins. Exchange (1990) 221 Cal.App.3d 1136, 1153.)  It cannot impose substantive duties or limits on the contracting parties beyond those incorporated in the specific terms of their agreement.”  (Guz v. Bechtel Nat. Inc. (2000) 24 Cal.4th 317, 349–350, parallel citations omitted, emphasis by Guz Court.)

T3B’s argument in opposition seems to be that it is party to some unidentified contract and defendants are depriving it of its right to payment under its profit interest (pursuant to that contract).  But this is a roundabout way of stating that there is no contract between the parties.  And that is the allegation as well: “Plaintiff T3B holds an Internal Revenue Code ‘profit interest’ in the limited liability company that is the ultimate downstream owner of the Project.  Although T3B [unlike CMB] was not a party to the sundry underlying loan agreements and intercreditor agreements, inter alia, it has nonetheless been substantially harmed as the proximate result of Reuben Bros.’ and Motcomb’s wrongful conduct as alleged herein and will continue to be without Court intervention to protect its contractual interest.”  (Compl., ¶6.)

To the extent T3B is arguing that it is a third party beneficiary of some contract between defendants and another party, the court is not sure it can state a claim for breach of the implied covenant.  Such claims generally exist either between the actual parties to the contract or perhaps in the insurance context where the non-party is an “insured” person under the policy and is a claimant of benefits.  (See Jones v. Aetna Casualty & Surety Co. (1994) 26 Cal.App.4th 1717, 1722.)  The demurrer is therefore SUSTAINED WITH 30 DAYS’ LEAVE TO AMEND.  Again, the court has its doubts as to whether this problem can be cured, but T3B can take a stab at it.

Unfair Competition

The demurrer to this cause of action is OVERRULED.  “ ‘Because Business and Professions Code section 17200 is written in the disjunctive, it establishes three varieties of unfair competition—acts or practices which are unlawful, or unfair, or fraudulent.  “In other words, a practice is prohibited as ‘unfair’ or ‘deceptive’ even if not ‘unlawful’ and vice versa.” ’ [Citations.]”  (Cel-Tech Communications, Inc. v. Los Angeles Cellular Telephone Co. (1999) 20 Cal.4th 163, 180.)  Defendants assert that plaintiffs have not alleged any wrongful act.  “When a plaintiff who claims to have suffered injury from a direct competitor's ‘unfair’ act or practice invokes section 17200, the word ‘unfair’ in that section means conduct that threatens an incipient violation of an antitrust law, or violates the policy or spirit of one of those laws because its effects are comparable to or the same as a violation of the law, or otherwise significantly threatens or harms competition.”  (Id. at p. 187.)  To plead an unlawful business practice, a plaintiff must allege facts that demonstrate defendant’s conduct violated another underlying law.  (Farmers Ins. Exchange v. Superior Court (1992) 2 Cal.4th 377, 383.)

Plaintiffs here have adequately pled a fraudulent business practice.  “Generally, the question of ‘[w]hether a practice is deceptive or fraudulent “cannot be mechanistically determined under the relatively rigid legal rules applicable to the sustaining or overruling of a demurrer.”  [Citation.]  Rather, the determination is one question of fact, requiring consideration and weighing of evidence from both sides before it can be resolved.’  (McKell, supra,142 Cal.App.4th at p. 1472.)  ‘[U]nless we can say as a matter of law that contrary to the complaint's allegations, members of the public were not likely to be deceived or misled by [the defendant's alleged conduct], we must hold that [plaintiffs] stated a cause of action.’  (Morgan v. AT & T Wireless Services, Inc. (2009) 177 Cal.App.4th 1235, 1257.)”  (Klein v. Chevron U.S.A., Inc. (2012) 202 Cal.App.4th 1342, 1380–1381, parallel citations omitted.)

In opposition, plaintiffs also claim they have alleged fraudulent concealment.  This is true.  “The term ‘fraud’ is not predicated upon proof of the common law tort of deceit or deception but simply means whether the public is likely to be deceived.  (Committee on Children's Television, Inc. v. General Foods Corp. (1983) 35 Cal.3d 197, 211; Klein v. Earth Elements, Inc., supra, 59 Cal.App.4th at p. 970; State Farm Fire & Casualty Co. v. Superior Court, supra, 45 Cal.App.4th at p. 1105.)”  (Countrywide Financial Corp. v. Bundy (2010) 187 Cal.App.4th 234, 257, parallel citations omitted.)  Plaintiffs’ allegations, if true, would be enough.  And one might at least posit that Reuben and CMB are competitors for these purposes.  The court notes that it has its doubts as to whether there is really enough here to get past a motion for summary judgment, where Reuben will be able to present evidence and the court will be able to interpret the contracts at issue unless the parol evidence (if any) is in dispute.  But that is for another day.

Interference

The demurrer to the fifth cause of action is SUSTAINED WITH 30 DAYS’ LEAVE TO AMEND.  Defendants argue that T3B has not pled a contractual relationship between some third party in which they interfered.  The court agrees. “ ‘To recover in tort for intentional interference with the performance of a contract, a plaintiff must prove: (1) a valid contract between plaintiff and another party; (2) defendant's knowledge of the contract; (3) defendant's intentional acts designed to induce a breach or disruption of the contractual relationship; (4) actual breach or disruption of the contractual relationship; and (5) resulting damage.  [Citation.] In this way, the “expectation that the parties will honor the terms of the contract is protected against officious intermeddlers.”  [Citation.]’  (Applied Equipment Corp. v. Litton Saudi Arabia Ltd. (1994) 7 Cal.4th 503, 514, fn. 5.)”  (Asahi Kasei Pharma Corp. v. Actelion Ltd. (2013) 222 Cal.App.4th 945, 958, parallel citations omitted.)

As far as the court can tell, the purported contract is T3B’s profit interest in CP Holdings.  “Plaintiff T3B’s affiliate, NK Immigration Services, LLC, formerly held an Internal Revenue Code ‘profit interest’ in CP Holdings (referred to hereinafter as the ‘NK Economic Interest’).  [¶] The NK Economic Interest was assigned and transferred to Plaintiff T3B effective July 19, 2019.  [¶] As such, at all times material to the Complaint, Plaintiff T3B had a valid and existing contract.”  (Compl., ¶¶152-154.)  T3B has not adequately alleged that its profit interest is a contract with CP Holdings.

Aside from that, T3B has not alleged that the interference caused an actual breach or disruption of this contract.  The allegation is that “Defendants Reuben Bros. and Motcomb intentionally caused a disruption of Plaintiff T3B’s contractual relationship by their wrongful conduct designed to devalue the Project, to prevent any refinancing of the Project, and to eliminate the interests of all other stakeholders in the Project, inter alia.”   (Compl., ¶156.) That is insufficient.  T3B must allege that its performance under its contract with CP Holdings has been breached or is more costly or burdensome, not just that the contract has become less profitable.  The current allegations do not address this.  In Pacific Gas & Electric Co. v. Bear Stearns & Co. (1990) 50 Cal.3d 1118, our Supreme Court held that a “[p]laintiff need not allege an actual or inevitable breach of contract in order to state a claim for disruption of contractual relations.  We have recognized that interference with the plaintiff's performance may give rise to a claim for interference with contractual relations if plaintiff's performance is made more costly or more burdensome.”  (Id. at p. 1129.)  But the Supreme Court has never said that merely because someone does something that lessens the value of another’s contract, the action gives rise to the interference tort.  That seems to be all that T3B is alleging here.

T3B does allege independently wrongful acts, i.e., fraud, but that fraud was only aimed at plaintiff CMB.  There is no fraud alleged as to T3B.  Thus, there is no independently wrongful act alleged as to that plaintiff and the demurrer must be SUSTAINED.  As before, the court will GRANT 30 DAYS’ LEAVE TO AMEND.

The demurrer to the negligent interference with prospective economic advantage is SUSTAINED WITH 30 DAYS’ LEAVE TO AMEND.  One of the required elements of the claim is the duty of care to T3B.  “ ‘The threshold element of a cause of action for negligence is the existence of a duty to use due care toward an interest of another that enjoys legal protection against unintentional invasion. [Citations.]’  (Bily v. Arthur Young & Co. (1992) 3 Cal.4th 370, 397.)  Whether a duty exists is a question of law to be determined by the courts.  (Ibid.)  In the absence, as here, of a duty that arises by statute or contract, we assess whether the nature of the activity or the relationship of the parties gives rise to a duty.  (Ratcliff Architects v. Vanir Construction Management, Inc. (2001) 88 Cal.App.4th 595, 605.)  ‘Recognition of a duty to manage business affairs so as to prevent purely economic loss to third parties in their financial transactions is the exception, not the rule, in negligence law’  (Quelimane Co. v. Stewart Title Guaranty Co. (1998) 19 Cal.4th 26, 58), so courts are reluctant to impose duties to prevent purely economic harm to third parties (Bily, at p. 403; Ratcliff, at p. 605; Mission Oaks, supra, 65 Cal.App.4th at p. 725).”  (Lake Almanor Associates L.P. v. Huffman-Broadway Group, Inc. (2009) 178 Cal.App.4th 1194, 1205, parallel citations omitted.)

There is no alleged statutory or contractual duty here.  The court has considered the Biakanja factors.  In Biakanja, our Supreme Court allowed a negligence cause of action to go forward against an attorney who represented a decedent but allegedly committed malpractice in preparing the will, thereby largely disinheriting a beneficiary, who was the plaintiff.  “The determination whether in a specific case the defendant will be held liable to a third person not in privity is a matter of policy and involves the balancing of various factors, among which are the extent to which the transaction was intended to affect the plaintiff, the foreseeability of harm to him, the degree of certainty that the plaintiff suffered injury, the closeness of the connection between the defendant's conduct and the injury suffered, the moral blame attached to the defendant's conduct, and the policy of preventing future harm.”  (Biakanja v. Irving (1958) 49 Cal.2d 647, 650.)  Applying those factors, the Court found that a cause of action in negligence could go forward.

The Biakanja factors do not support the finding of a duty here by the senior lenders to a downstream profit interest holder.  First, T3B was one of numerous parties to this massive construction loan scheme.  Harm was of course foreseeable, but it rarely is not.  Foreseeability “ ‘is endless because [it], like light, travels indefinitely in a vacuum.’ ”  (Thing v. La Chusa (1989) 48 Cal.3d 644, 659, citing Newton v. Kaiser Foundation Hospitals (1986) 184 Cal.App.3d 386, 391.)  T3B claims an injury due to dilution of its profit interest, but there is a very attenuated connection between defendants’ conduct and its injury.  And while fraud is morally blameworthy and should be prevented, that very far downstream harm is too far to be the basis of a duty.  The demurrer is SUSTAINED WITH 30 DAYS’ LEAVE TO AMEND.

Declaratory Relief

The demurrer is OVERRULED.  Defendants only argue the claim is duplicative.  “ ‘Strictly speaking, a demurrer is a procedurally inappropriate method for disposing of a complaint for declaratory relief.  As Witkin observes: “[A] demurrer would leave the parties where they were, with no binding determination of their rights, to await an actual breach and ensuing litigation.  This would defeat a fundamental purpose of declaratory relief, to remove uncertainties as to legal rights and duties before breach and without the risks and delays that it involves.  In brief, the object of declaratory ‘relief’ is not necessarily a beneficial judgment; rather, it is a determination, favorable or unfavorable, that enables the plaintiff to act with safety.  This theory has prevailed, and the rule is now established that the defendant cannot, on demurrer, attack the merits of the plaintiff's claim.  The complaint is sufficient if it shows an actual controversy; it need not show that plaintiff is in the right.”  (5 Witkin, Cal. Procedure, (4th ed. 1997) Pleading § 831, pp. 288–289.)’ ” (Lockheed Martin Corp. v. Continental Ins. Co. (2005) 134 Cal.App.4th 187, 221, disapproved of on another ground by State of California v. Allstate Ins. Co. (2009) 45 Cal.4th 1008, 1036, fn. 11.)  The court is not sure whether this cause of action is moot in light of the sale, though.  That issue was not briefed.

Injunctive Relief

The demurrer is SUSTAINED WITHOUT LEAVE TO AMEND.  “Injunctive relief is a remedy, not a cause of action.  (Art Movers, Inc. v. Ni West, Inc. (1992) 3 Cal.App.4th 640, 646.)”  (City of South Pasadena v. Department of Transportation (1994) 29 Cal.App.4th 1280, 1293, parallel citations omitted.)  That said, to the extent any party wants an injunction, the court will allow an amendment, within 30 days, to set that relief forth as part of another cause of action and in the prayer to the extent it has not already been done and to the extent that the matter has not been rendered moot by virtue of the foreclosure sale.