Judge: Stephen Morgan, Case: 23AVCV00334, Date: 2023-08-22 Tentative Ruling
Case Number: 23AVCV00334 Hearing Date: August 22, 2023 Dept: A14
Background
This is an action related to real
property. Plaintiff Jan Williams (“Plaintiff”) alleges that she is the owner of
real property commonly known as 37853 Satinwood Lane Palmdale, CA 93551 (“the
Property”). Plaintiff presents that on or about 2006, she obtained a loan from
American Broker Conduit (“ABC”), recorded on May 19, 2006; on August 2007 ABC
was sanctioned by the California Department of Corporations and was ordered to
cease and refrain from engaging in any financial activity in California;
between 2007 and 2020, Plaintiff received no correspondence from ABC; in 2021,
Defendant Deutsche Bank National Trust Company, as Certificate Trustee on Behalf of Bosco Credit
II Trust Series (“Defendant”), contacted Plaintiff regarding money owed to ABC;
and on November 13, 2019, Defendant foreclosed on the Property and caused to be
recorded a Trustee’s Deed upon sale.
On March 28, 2023, Plaintiff
filed her Complaint, alleging three causes of action for: (1) Wrongful
Foreclosure, (2) Quiet Title, and (3) Declaratory Relief.
On March 28, 2023, Plaintiff
filed a Motion to Consolidate, seeking to consolidate this action with 22AVUD00660
DEUTSCHE BANK NATIONAL TRUST COMPANY, AS CERTIFICATE TRUSTEE ON BEHALF OF BOSCO
CREDIT II TRUST SERIES 2010-1 vs JAN WILLIAMS. It appears the Motion to
Consolidate was an Ex Parte Application. The Court related, but did not
consolidate the cases. The Motion to Consolidate was continued to March 29,
2023.
On March 28, 2023, the Court
advised the parties that there was another possibly related case: 21STCV23177 JAN
WILLIAMS vs FRANKLIN CREDIT MANAGEMENT CORPORATION, et al. The Court continued
the Motion to Consolidate to May 09, 2023, requesting briefs as to whether res
judicata precluded this action.
On May 09, 2023, with only a
brief filed by Plaintiff, the Court called the matter for hearing. The Court
inquired as to why a Notice of Related Case was not filed. The Court continued
the Motion to Consolidate to June 16, 2023.
On May 10, 2023, Plaintiff filed
a Notice of Related Case regarding 21STCV23177.
On June 16, 2023, the Court a
hearing was held on the Motion to Consolidate, denying the Motion to
Consolidate.
On June 28, 2023, Plaintiff filed
an Ex Parte Application For An Order Vacating Denial Of Ex Parte Application
For An Order To Consolidate The Pending Unlawful Detainer Action Under C.C.P.
473; Or In The Alternative, For An Order Shortening Time For Hearing On Motion,
subsequently denied on July 10, 2023.
On July 21, 2023, Defendant filed
this Demurrer.
On August 09, 2023, Plaintiff
filed her Opposition.
On August 15, 2023, Defendant
filed its Reply.
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Legal Standard
Standard for Demurrer – A demurrer for sufficiency tests whether the complaint states a cause of
action.¿ (Hahn v.¿Mirda¿(2007) 147 Cal. App. 4th 740, 747.) ¿When
considering demurrers, courts read the allegations liberally and in context.¿ (Taylor
v. City of Los Angeles Dept. of Water and Power¿(2006) 144 Cal. App. 4th
1216, 1228.)¿ In a demurrer proceeding, the defects must be apparent on the
face of the pleading or by proper judicial notice.¿ (Cal. Code Civ. Proc. §
430.30(a).)¿A demurrer tests the pleadings alone and not the evidence or other
extrinsic matters.¿ (SKF Farms v. Superior Court¿(1984) 153 Cal. App. 3d
902, 905.)¿ Therefore, it lies only where the defects appear on the face of the
pleading or are judicially noticed.¿¿(Ibid.)¿¿The only issue involved in
a demurrer hearing is whether the complaint, as it stands, unconnected with
extraneous matters, states a cause of action.¿ (Hahn,¿supra,¿147
Cal.App.4th at 747.)¿¿¿¿¿¿¿¿¿¿¿¿
¿¿¿¿¿¿¿¿¿¿¿¿
A general demurrer admits the truth of all
factual, material allegations properly pled in the challenged pleading,
regardless of possible difficulties of proof.¿¿(Blank v. Kirwan (1985)
39 Cal.3d 311, 318.)¿ Thus, no matter how unlikely or improbable, plaintiff’s
allegations must be accepted as true for the purpose of ruling on the
demurrer.¿¿(Del E. Webb Corp. v. Structural Materials Co.¿(1981) 123
Cal.App.3d 593, 604.)¿ Nevertheless, this rule does not apply to allegations
expressing mere conclusions of law, or allegations contradicted by the exhibits
to the complaint or by matters of which judicial notice may be taken.¿¿(Vance
v. Villa Park¿Mobilehome¿Estates¿(1995) 36 Cal.App.4th 698, 709.)¿A general
demurrer does not admit contentions, deductions, or conclusions of fact or law
alleged in the complaint; facts impossible in law; or allegations contrary to
facts of which a court may take judicial notice.¿¿(Blank,¿supra,
39 Cal.3d at p. 318.)¿¿¿¿¿¿¿¿¿¿¿¿¿
¿¿¿¿¿¿¿¿¿¿¿¿¿
Pursuant to¿Code Civ. Proc.¿§430.10(e), the
party against whom a complaint has been filed may object by demurrer to the
pleading on the grounds that the pleading does not state facts sufficient to
constitute a cause of action.¿ It is an abuse of discretion to sustain a
demurrer without leave to amend if there is a reasonable probability that the
defect can be cured by amendment.¿¿(Schifando¿v. City of Los Angeles¿(2003)
31 Cal.4th 1074, 1082,¿as modified (Dec. 23, 2003).)¿
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Discussion
Application – As an
initial matter, as this case is related to two other cases, the Court takes
notice of its records pursuant to Cal. Evid. Code § 452(d). All references to
documents in the cases involving Plaintiff and Defendant are judicially
noticeable.
Defendant brings up the issue of
res judicata, arguing that the claims against it are barred. Defendant states
that “Defendant’s similar demurrer was sustained in its entirety” which led to
dismissal of the case “in its entirety with prejudice” (Demurrer 10:4, 12:25-28.)
However, this is a misrepresentation. Defendant was never served in 21STCV23177
and the Demurrer was brought by Franklin Credit Management Corporation. Judgment
has been entered only as to Franklin Management Corporation. Res judicata is
not applicable. Regarding collateral estoppel, which prohibits the re-litigation
of any issue which was litigated in the prior case, no litigation has occurred
between the parties as Defendant has not appeared in 21STCV23177.
The Court cautions Defendant’s
attorney, Bradford E. Klein, against such misrepresentations. California Rules
of Professional Conduct, Rule 3.3 Candor Toward the Tribunal requires that a
lawyer shall not (1) knowingly make a false statement of fact or law to a
tribunal or fail to correct a false statement of material fact or law
previously made to the tribunal by the lawyer; (2) fail to disclose to the
tribunal legal authority in the controlling jurisdiction known to the lawyer to
be directly adverse to the position of the client and not disclosed by opposing
counsel, or knowingly misquote to a tribunal the language of a book, statute,
decision or other authority; or (3) offer evidence that the lawyer knows to be
false. (See California State Bar, California Rules of Professional Conduct,
Rule 3.3(a).) The Court also notes that California Rules of Professional
Conduct, Rule 8.3 has been recently approved and requires California attorneys
to report any lawyer who commits a criminal act, engages in fraud,
misappropriates funds or property, or engages in conduct involving “dishonesty,
deceit, and reckless or intentional misrepresentations.” (See Supreme Court of
California ADMINISTRATIVE ORDER 2023-06-21-02
<https://newsroom.courts.ca.gov/sites/default/files/newsroom/2023-06/S280290%20-%20admin%20order%202023-06-21-02.pdf>
[as of Aug. 07, 2023]; See also The State Bar of California, Rule 8.3 Required
Reporting page https://www.calbar.ca.gov/Attorneys/Conduct-Discipline/Ethics/Rule-83-Required-Reporting#:~:text=Effective%20August%201%2C%202023%2C%20lawyers,conduct%20to%20report%20the%20lawyer.
[as of Aug. 07, 2023].)
Defendant also provides an
argument that “NDSC was a Named Defendant in the Prior Suits.” (See Demurrer 14
at A.) NDSC is not Defendant nor is NDSC a party to this action. Therefore, the
Court disregards such an argument.
The Court notes that Plaintiff
argument regarding res judicata presents that Defendant is a different entity
from Deutsche Bank Trust in 21STCV23177. The Court is not convinced. Both cases
concerning renditions of Deutsche Bank National Trust Company are regarding the
Property, both Defendant and Deutsche Bank National Trust Company are alleged
to be the foreclosing entity who sold the Property, both Defendant and Deutsche
Bank National Trust Company are alleged to be doing business in Los Angeles
County, and Plaintiff has provided no evidence that they are separate entities
(i.e., Secretary of State filings, Articles of Incorporation, etc.).
As to the Complaint,
specifically, Defendant demurs to all causes of action.
a. First
Cause of Action (Wrongful Foreclosure)
Defendant argues that Plaintiff’s
allegations are insufficient to prove any of the required elements as Plaintiff
has not sufficiently alleged an illegal, fraudulent, or willfully oppressive
sale, she does not allege that she tendered the amount of her debt, or that she
has suffered actual harm. Defendant further argues that a showing of prejudice
is needed and Plaintiff has not, and cannot, allege that the trustee’s sale was
illegal, fraudulent, or willfully oppressive.
Plaintiff rebuts Defendants
argument, presenting that she has alleged that the foreclosure was based on
fraud, that Plaintiff was harmed, and Plaintiff alleges the assignment of the
Deed of Trust was void, thus excusing the tendering requirement. Plaintiff
emphasizes her pleadings: that she had no communication with ABC for over 10
years, that Defendant insisted they had an assignment and produced a copy of an
assignment purporting to be executed by ABC in 2006 that (1) was not recorded
for 13 years and (2) contains alterations atypical of recorded documents, and
that Defendant has never produced a copy of the original assignment.
“The elements of the tort of
wrongful foreclosure are: ‘ “(1) the trustee or mortgagee caused an illegal,
fraudulent, or willfully oppressive sale of real property pursuant to a power
of sale in a mortgage or deed of trust; (2) the party attacking the sale
(usually but not always the trustor or mortgagor) was prejudiced or harmed; and
(3) in cases where the trustor or mortgagor challenges the sale, the trustor or
mortgagor tendered the amount of the secured indebtedness or was excused from
tendering” ’; and (4) ‘ “no breach of condition or failure of performance
existed on the mortgagor’s or trustor’s part which would have authorized the
foreclosure or exercise of the power of sale.” ’ ” (Majd v. v. Bank of
America, N.A. (2015) 243 Cal.App.4th 1293, 1306-1307.) However, there is a
split in authority as to the fourth element. Various appellate courts have
limited the elements to the first three. (See Reeder v. Specialized Loan
Servicing LLC (2020) 52 Cal.App.5th 795 [Second Appellate District]; Turner
v. Seterus, Inc. (2018) 27 Cal.App.5th 516 [Third Appellate District]; Daniels
v. Select Portfolio Servicing, Inc. (2016) 246 Cal.App.4th 1150 [Sixth
Appellate District; overruled in part]; Chavez v. Indymac Mortgage Services
(2013) 219 Cal App.4th 1052 [Fourth Appellate District].)
When appellate decisions are in
conflict on a point, the court exercising inferior jurisdiction must choose
between the conflicting decisions. (Auto Equity Sales, Inc. v. Superior
Court of Santa Clara County (1962) 57 Cal.2d 450, 456.) “As a practical
matter, a superior court ordinarily will follow an appellate opinion emanating
from its own district even though it is not bound to do so. Superior courts in
other appellate districts may pick and choose between conflicting lines of
authority. This dilemma will endure until the Supreme Court resolves the
conflict, or the Legislature clears up the uncertainty by legislation.”¿(McCallum
v. McCallum (1987) 190 Cal.3d 309, 315.) As such, this Court follows the
Second Appellate District and uses only three elements to analyze the wrongful
foreclosure claim.
The Complaint alleges, in
relevant part:
Plaintiff hereby
re-alleges and incorporate [sic] the allegations in all prior paragraphs as
though fully set forth herein.
A home loan borrower
does have standing to claim that a nonjudicial foreclosure that has already
occurred was because of void assignment. The void assignment deprives the
foreclosing party of the authority to order a trustee’s sale. See Yvanova v.
New Century Mort.[ ]Corp., (2016) 62 Ca.4[th] 919, 929-943.
Defendant Deutsche
Bank purported assignment executed by ABC in 2006, and apparently before ABC
received the cease and refrain order from the California Department of
Corporations, was not recorded until May 3, 2019. Furthermore, the alleged
assignment appears to be altered.
(Complaint.)
This section incorporates the
previous allegations which provide more detail as to the alleged alteration. Specifically,
it is alleged that the assignment contains alterations atypical of recorded
documents and that Defendant never produced the original assignment after
repeated requests. (Complaint ¶ 11.) The paragraph directs the parties and the
Court to Exhibit 3, the purported assignment. Exh. 3 has it handwritten in that
it was recorded on May 18, 2006. It appears everything handwritten occurred
after Notary Public Jodi Lynch from the State of New York executed the
document. Further, Syngro has provided the 2019 changes under Cal. Gov. Code § 27361.7,
which reads:
Whenever the text of
a document presented for record may be made out but is not sufficiently legible
to reproduce a readable photographic record, the recorder may require the
person presenting it for record to substitute a legible original document or to
prepare a legible copy of the first document by handwriting or typewriting and
attach the same to the original as a part of the document for making the
permanent photographic record. The handwritten or typewritten legible copy
shall be certified by the party creating the copy under penalty of perjury as
being a true copy of the original. As used in this section, the word “text”
includes the notary seal, certificates, and other appendages thereto.
However, the changes are not to
provide a legible copy, but rather add in things that occurred in 2019.
Further, Cal. Rev. Tax Code § 480 provides, in relevant part:
(a) Whenever there
occurs any change in ownership of real property, a manufactured home, or a
floating home that is subject to local property taxation and is assessed by the
county assessor, the transferee shall file a signed change in ownership
statement in the county where the real property, manufactured home, or a
floating home is located, as provided for in subdivision (c). In the case of a
change in ownership where the transferee is not locally assessed, no change in
ownership statement is required.
[. . .]
(c) Except as
provided in subdivision (d), the change in ownership statement as required
pursuant to subdivision (a) shall be declared to be true under penalty of perjury
and shall give that information relative to the real property, manufactured
home, or a floating home acquisition transaction as the board shall prescribe
after consultation with the California Assessors’ Association. The information
shall include, but not be limited to, a description of the property, the
parties to the transaction, the date of acquisition, the amount, if any, of the
consideration paid for the property, whether paid in money or otherwise, and
the terms of the transaction. The change in ownership statement shall not
include any question that is not germane to the assessment function. The
statement shall contain a notice informing the transferee of the property tax
relief available under Section 69.5. The statement shall contain a notice that
is printed, with the title in at least 12-point boldface type and the body in
at least 8-point boldface type, in the following form:
“Important
Notice”
“The law requires
any transferee acquiring an interest in real property, manufactured home, or floating
home subject to local property taxation, and that is assessed by the county
assessor, to file a change in ownership statement with the county recorder or
assessor. The change in ownership statement must be filed at the time of
recording or, if the transfer is not recorded, within 90 days of the date of
the change in ownership, except that where the change in ownership has occurred
by reason of death the statement shall be filed within 150 days after the date
of death or, if the estate is probated, shall be filed at the time the
inventory and appraisal is filed. The failure to file a change in ownership
statement within 90 days from the date a written request is mailed by the
assessor results in a penalty of either: (1) one hundred dollars ($100), or (2)
10 percent of the taxes applicable to the new base year value reflecting the
change in ownership of the real property, manufactured home, or floating home,
whichever is greater, but not to exceed five thousand dollars ($5,000) if the
property is eligible for the homeowners’ exemption or twenty thousand dollars
($20,000) if the property is not eligible for the homeowners’ exemption if that
failure to file was not willful. This penalty will be added to the assessment
roll and shall be collected like any other delinquent property taxes, and be
subject to the same penalties for nonpayment.”
Further, Plaintiff incorporates
Cal. Civ. Code § 882.020 into the Complaint (see Complaint ¶ 8), which reads,
in relevant part:
(a) Unless the lien
of a mortgage, deed of trust, or other instrument that creates a security
interest of record in real property to secure a debt or other obligation has
earlier expired pursuant to Section 2911, the lien expires at, and is not
enforceable by action for foreclosure commenced, power of sale exercised, or
any other means asserted after, the later of the following times:
(1) If the final
maturity date or the last date fixed for payment of the debt or performance of
the obligation is ascertainable from the recorded evidence of indebtedness, 10
years after that date.
(2) If the final
maturity date or the last date fixed for payment of the debt or performance of
the obligation is not ascertainable from the recorded evidence of indebtedness,
or if there is no final maturity date or last date fixed for payment of the
debt or performance of the obligation, 60 years after the date the instrument
that created the security interest was recorded.
(3) If a notice of
intent to preserve the security interest is recorded within the time prescribed
in paragraph (1) or (2), 10 years after the date the notice is recorded.
The statutes cited by the Court
are subject to judicial notice under Cal. Evid. Code § 452(a) and (h).
The period of time between the
assignment signed by Jodi Lynch, May 24, 2006, and the date on the leadsheet
with the California seal, May 03, 2019 is 12 years, 11 months, and 9 days.[1]
Thus, from the Complaint and
judicially noticeable laws, it appears that Defendant did not record the
purported assignment within the time required and attempted to modify the
assignment in 2019 through handwritten means, including that the document was
recorded on May 19, 2006. Thus, a reasonable inference can be made that
Defendant’s security interest in the Property have expired and Defendant’s
still pursued foreclosure. Thus, the first element is satisfied.
Regarding the second element,
Plaintiff’s Complaint is rife with allegations that a foreclosure occurred.
Plaintiff provides the specific date of the foreclosure: November 13, 2019. A
reasonable inference can be made that Plaintiff was harmed as her property has
already been foreclosed on.
Finally, the third element
states: “in cases where the trustor or mortgagor challenges the sale, the
trustor or mortgagor tendered the amount of the secured indebtedness or was
excused from tendering” (See Majd, supra, 243 Cal.App.4th
1293, 1306-1307.) Cal. Civ. Code § 882.020 provides the basis for the inference
that Plaintiff may have been excused from tendering the amount of secured
indebtedness.
Accordingly, the First Cause of
Action for Wrongful Foreclosure is properly pled.
b. Second
Cause of Action (Quiet Title)
Defendant argues that Plaintiff’s
quiet title fails as Plaintiff has failed to tender the amount of secured
indebtedness to Defendant and Plaintiff does not qualify for any exceptions to
the tender rule.[2]
Plaintiff emphasizes that, based
on her alleged allegations, she did not hear anything from ABC or Defendant for
almost 13 years, and as such, the Deed of Trust recorded on May 19, 2006 should
be canceled.
A claim for quiet title should
state (1) the legal description of the property and its street address or
common designation, (2) the title of the plaintiff and the basis of the title,
(3) the adverse claims to plaintiff's title, (4) the date as of which the
determination is sought, and (5) a prayer for determination of plaintiff
against adverse claims. (Code Civ. Proc. § 761.020)
Plaintiff has included the legal
description of the property and its street address or common designation
through her Complaints and its attached exhibits.
Plaintiff has included the Deed
of Trust from May 11, 2006 as Exh. 1. The Deed of Trust shows that she is the
trustor to the Property and ABC is a beneficiary as she borrowed finances from
ABC. (See Exh. 1.)
As to the third element, Cal.
Code Civ. Proc. § 761.020 provides: “The complaint shall be verified and shall
include all of the following: . . .The date as of which the determination is
sought. If the determination is sought as of a date other than the date the
complaint is filed, the complaint shall include a statement of the reasons why
a determination as of that date is sought.” The Complaint does not include this
element.
The Complaint continues to
include a prayer for determination of quiet title and cancelation of the Deed
of Trust recorded on May 19, 2006 (i.e., a determination of plaintiff against
adverse claims).
Plaintiff’s Second Cause of
Action has not been sufficiently pled under Cal. Code Civ. Proc. § 761.020.
c. Declaratory
Relief
Defendant argues that Plaintiff
has not alleged any actual controversy between herself and Defendant. Defendant
argues Plaintiff “asks the Court to impermissibly redress past wrongs relating
to the alleged origination of [her] Loans, which fail for all the reasons set
forth herein.” (Demurrer 18:5-7.)
Plaintiff presents that she has
alleged that an actual controversy exists between herself and Defendant
concerning respective rights and duties as well as liabilities and obligations,
and she seeks a judicial determination of the parties’ rights,
responsibilities, and obligations.
For reasons, ante, Defendant’s
argument fails and Plaintiff’s Third Cause of Action for Declaratory Relief is
properly pled.
Accordingly, the Demurrer is
OVERRULED as to the First Cause of Action (Wrongful Foreclosure) and Third
Cause of Action (Declaratory Relief) and SUSTAINED as to the Second Cause of
Action (Quiet Title).
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Leave to Amend
Leave to amend must be allowed
where there is a reasonable possibility of successful amendment. (Goodman v.
Kennedy¿(1976), 18 Cal.3d 335, 348.) While under California law leave to amend is liberally
granted, “leave to amend should not be granted where, in all
probability, amendment would be futile.” (Vaillette v. Fireman's Fund Ins.
Co. (1993), 18 Cal. App. 4th 680, 685).¿ “A trial court does not abuse its
discretion when it sustains a demurrer without¿leave to amend¿if either (a)
the facts and the nature of the claims are clear and no liability exists, or
(b) it is probable from the nature of the defects and previous unsuccessful
attempts to plead that the plaintiff cannot state a claim.” (Cantu v.
Resolution Trust Corp.¿(1992)¿4 Cal.App.4th 857, 889.)¿¿¿
Here, the sole claim in which the Demurrer
is sustained is the Second Cause of Action for Quiet Title.
As the Court analyzed, ante,
Plaintiff is missing one element – the date as of which the
determination is sought. If the determination is sought as of a date other than
the date the complaint is filed, the complaint shall include a statement of the
reasons why a determination as of that date is sought.” (Cal. Code Civ. Proc. §
761.020.)
There is no doubt that an
amendment will successfully address the deficiencies in this Complaint.
Accordingly, leave to amend is
GRANTED.
Reply
Defendant argues that res
judiciata and collateral estoppel apply even though the related action, 21STCV23177,
is still pending. Defendant presents that the lawsuits are “identical” and
Plaintiff is not “permitted to file multiple suits arising from the same facts
and transactions involving the same parties.” (Reply 1:28, 2:1-2.)
It appears Defendant does not
believe that the lack of a final judgment or litigation between the parties
acts as a bar to the principles of res judicata and collateral estoppel.
The principles of res judicata and
collateral estoppel are well established. Jackson v. City of Sacramento (1981) 117
Cal.App.3d 596, 601-02 provides a succinct summary as to both res judicata and
collateral estoppel:
Res judicata and
collateral estoppel give conclusive effect to a former judgment in subsequent
litigation involving the same controversy. (4 Witkin, Cal. Procedure (2d ed.
1971) Judgment, § 147, p. 3292.) In a new action on the same cause of action a
prior judgment for the defendant acts as a complete bar to further litigation,
and a prior judgment for the plaintiff precludes litigation because it results
in a merger, superseding plaintiff's claim by a right of action on the
judgment. (Id., § 148, at p. 3293.) In a new action on a different
cause, the former judgment is not a complete merger or bar, but is effective as
a collateral estoppel, being conclusive on issues actually litigated in the
former action. (Ibid.)
[. . . ]
However, there are
three requirements which must be shown before collateral estoppel applies in
this context. First, the issue decided in the prior litigation must be
identical with the one presented in the action in question. Second, there must
be a final judgment on the merits. Third, the party against whom the plea is
asserted must have been a party or in privity with a party to the prior
adjudication. (Bernhard v. Bank of America, supra, 19 Cal.2d at
pp. 812-813.)
(See also Robinson v. U-Haul
Co. of California (2016) 4 Cal.App.5th 304, 321 [“Collateral estoppel
applies only if all of the following conditions are met: (1) the issue is identical to an issue decided in a prior
proceeding; (2) the issue was actually litigated; (3) the issue was necessarily
decided; (4) the decision in the prior proceeding is final and on the merits;
and (5) the party against whom collateral estoppel is asserted was a party to
the prior proceeding or in privity with a party to the prior proceeding.
[Citations.]”].)
As the Court mentioned, ante,
there has been no final judgment or even litigation between Plaintiff and
Defendant in 21STCV23177. Res judicata and collateral estoppel do not apply.
Defendant next argues that
Plaintiff’s causes of actions fail because Plaintiff does not dispute the
existence and validity of the loan, Plaintiff cannot tender and restore titled
to her name, Plaintiff has not alleged sufficient facts to constitute claims
from Wrongful Foreclosure and Quiet Title, and Plaintiff cannot overcome the
tender rule. Thus, Defendant presents that the Demurrer should be sustained
without leave to amend.
The Court believes it has
adequately addressed each point Defendant has raised in its Reply, ante.
The Court’s opinion remains
unchanged.
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Conclusion
Defendant Deustche Bank National
Trust Company, as Certificate Trustee on Behalf of Bosco Credit II Trust
Series’ Demurrer is OVERRULED as to the First Cause of Action (Wrongful
Foreclosure) and Third Cause of Action (Declaratory Relief) and SUSTAINED as to
the Second Cause of Action (Quiet Title) with leave to amend.
Following a ruling on a demurrer,
unless otherwise ordered, leave to answer or amend within 10 days is deemed
granted, except for actions in forcible entry, forcible detainer, or unlawful
detainer in which case 5 calendar days is deemed granted. (Cal. Rules of Court,
Rule 3.1320(g).)
[1]
The Court notes that Plaintiff has included this in her Complaint. The
paragraph states: “Plaintiff explained to Plaintiff that there had been no
communication with ABC for over 10 years, but [Defendant] insisted they had an
assignment from ABC.” (Complaint ¶ 10.) The Court understands the second use of
“Plaintiff” to be a scrivener’s error.
[2]
The Court notes that, at this section, Defendants switch from addressing
Plaintiff with feminine pronouns (i.e., her, she) to masculine pronouns (i.e.,
he, him). Plaintiff’s filed documents addresses herself with feminine pronouns.
Out of respect, the Court does the same. The Court cautions Defendant against misgendering
individuals.