lueras v. bac home loans (ca. ct. app. nov. 2013) precedential in word doc

8/14/2019 LUERAS V. BAC HOME LOANS (CA. CT. APP. NOV. 2013) PRECEDENTIAL IN WORD DOC

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Filed 10/31/13

CERTIFIED FOR PUBLICATION

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

FOURTH APPELLATE DISTRICT

DIVISION THREE

RICHARD LUERAS,

Plaintiff and Appellant,

!

"AC HO#E LOANS SERVICIN$, LP,et al!,

Defendant% and Re%p&ndent%!

$0'()**

+Spe-! Ct! N&! 30.011.00'1113

O P I N I O N

Appeal f-&2 a d42ent &f t5e Spe-i&- C&-t &f O-an4e C&nt6,

7i-8 H! Na8a2-a, 9d4e! Affi-2ed in pa-t, -ee-%ed in pa-t, and -e2anded! #&ti&n t&

%t-i8e p&-ti&n% &f appellant:% -epl6 ;-ief! $-anted!

La< Offi=e% Of Len&-e Al;e-t and Len&-e L! Al;e-t f&- Plaintiff and

Appellant!

Reed S2it5, Daid 9! de 9e%% and Ada2 #! F&-e%t f&- Defendant% andRe%p&ndent%!

> > >


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INTRODUCTION

Ri=5a-d Le-a% appeal% f-&2 a d42ent ente-ed afte- t5e t-ial =&-t

%%tained


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-eie< and Calif&-nia:% p&li=6 &f li;e-alit6 in 4-antin4 &f a2end2ent%, Le-a% %5&ld ;e

4ien an &pp&-tnit6 t& a2end t5e Fi-%t A2ended C&2plaint!

ALLEGATIONS

In -eie


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Le-a% a==epted "an8 &f A2e-i=a:% &ffe- f&- -ed=ed 2&nt5l6 pa62ent%

nde- t5e H&2eSae- F&-;ea-an=e p-&4-a2 ;6 ente-in4 int& a f&-;ea-an=e a4-ee2ent

+t5e F&-;ea-an=e A4-ee2ent,


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&f t5e defe--al pe-i&dJ and "an8 &f A2e-i=a did n&t i2ple2ent a pe-2anent %&lti&n ;6

t5e end &f t5e %it5.2&nt5 pe-i&d!

#ean


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A==&-din4 t& t5e Fi-%t A2ended C&2plaint, t5e #a8in4 H&2e Aff&-da;le

p-&4-a2 4ideline% -ei-e t5e l&an %e-i=e- t&


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MOTIONTOSTRIKEPORTIONSOF

LUERASSREPLYBRIEF

"an8 &f A2e-i=a, Re=&nT-%t, and Fannie #ae 2&e t& %t-i8e %ee-alp&-ti&n% &f Le-a%:% -epl6 ;-ief -efe--in4 t& a De=e2;e- 1*, 00) lette-, &f


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di%=l&%in4 %&2e -i45t t& -elief!@ ++on#shore v. County of ,entura +1*)* B Cal!3d 1',

!

?On appeal f-&2 a d42ent di%2i%%in4 an a=ti&n afte- %%tainin4 a

de2--e-


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inf&-2ed % &f t5e %tat% &f an6 =--ent f&-e=l&%-e p-&=eedin4%! N& pa-t6 5a% a-4ed

t5at %tate2ent% &f Le-a%:% =&n%el =&n%titte di=ial ad2i%%i&n%!

In %5&-t, n&t5in4 in t5e -e=&-d pe-2it% % t& =&n%ide- t5e f&-e=l&%-e %ale t&

5ae ;een -e%=inded &- t5e le4al %i4nifi=an=e &f an6 %=5 -e%=i%%i&n in -eie


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e %ta-t ;6 identif6in4 t5e alle4edl6 ne4li4ent =&nd=t ;6 "an8 &f A2e-i=a

and Re=&nT-%t ;e=a%e &- anal6%i% i% li2ited t& ?t5e %pe=ifi= a=ti&n t5e plaintiff =lai2%

t5e pa-ti=la- defendantG 5ad a dt6 t& nde-ta8e in t5e pa-ti=la- =a%e!@ +,as1uez v.

'esidential )nvestments$ )nc. +00' 11 Cal!App!'t5 (*, 0! In t5e fi-%t =a%e &f

a=ti&n, Le-a% alle4ed t5at "an8 &f A2e-i=a and Re=&nT-%t &


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Fresno2adera Production Credit ssn.+013 BB Cal!'t5 11(*, 11! ?AG% a 4ene-al

-le, a finan=ial in%titti&n &


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2&difi=ati&nGJDooms v. Federal 3ome +oan ort#a#e Corp. +E!D!Cal!, #a-! 31, 011,

N&! CV F 11.03B L9O DL" 011 U!S!Di%t! Lei% 3BB0, p! > ?T5e lende-G &3B =&2plaint %tated =lai2 a4ain%t lende- f&- ne4li4en=e d-in4 t5e

l&an 2&difi=ati&n p-&=e%%GJ Crilley v. Bank of merica$ %.. +D! Ha


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-en&ate a 5&%e f&- %e a% -ental p-&pe-t6! +)d.at pp! )), )! P-&;le2% a-&%e de t&

a#:% alle4ed fail-e t& p-&pe-l6 di%;-%e l&an p-&=eed%, and a# a4-eed t& 2&dif6

t5e l&an ;a%ed &n an epan%i&n &f t5e =&n%t-=ti&n p-&e=t! +)d! at p! )! See-al

2&nt5% afte- t5e la%t di%;-%e2ent, a#


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pe-f&-2an=e &f t5e =&n%t-=ti&n l&an =&nt-a=t,


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=&n=lded t5at,


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n&t pla=e t5e ;&--&


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T5%, t5e Fi-%t A2ended C&2plaint did n&t, and =ann&t a% a 2atte- &f la


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t5e-ef&-e -ee-%e t5e d42ent a% t& t5e ne4li4en=e =a%e &f a=ti&n and -e2and t& t5e t-ial

=&-t


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;-ea=5ed t5e F&-;ea-an=e A4-ee2ent ;6 failin4 t& &ffe- 5i2 a l&an 2&difi=ati&n &- %&2e

&t5e- -e%&lti&n t5at


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In a f&&tn&te in t5e -e%p&ndent%: ;-ief, "an8 &f A2e-i=a %tate% it ?d&e% n&t

=&n=ede t5at t5e f&-;ea-an=e a4-ee2ent =&n%titted a ;indin4 =&nt-a=t, %in=e Le-a%

ad2itted t5at "an8 &f A2e-i=a did n&t ee=te t5e a4-ee2ent!@ e 2a6 de=line t&

add-e%% a-42ent% 2ade pe-fn=t&-il6 and e=l%iel6 in a f&&tn&te! +People v. -urner

+1**' Cal!'t5 13), 1', fn! 1* -eie

lende-:% fail-e t& %i4n and -et-n l&an 2&difi=ati&n =&nt-a=t


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Le-a% a-4e% t5e defe--al pe-i&d nde- t5e F&-;ea-an=e A4-ee2ent 5a% n&t

ended and "an8 &f A2e-i=a =&ntine% t& 5ae an &;li4ati&n nde- t5e F&-;ea-an=e

A4-ee2ent t& %%pend f&-e=l&%-e and &ffe- 5i2 a%%i%tan=e! T5e F&-;ea-an=e A4-ee2ent

%tate% t5e defe--al pe-i&d, nde-


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C! Bank of merica9s /*li#ations (nder the For*earance #reement

1! -he For*earance #reement and nnouncement 7:27;'

Le-a%:% ;-ea=5 &f =&nt-a=t =a%e &f a=ti&n i% ;a%ed p-i2a-il6 &n

%e=ti&n !C &f t5e F&-;ea-an=e A4-ee2ent, la;eled ?Additi&nal A%%i%tan=e@ +;&ldfa=e

&2itted! T5e fi-%t %enten=e &f %e=ti&n !C %tate% t5at ?dG-in4 t5e Defe--al Pe-i&d,

Se-i=e-*G


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fea%i;ilit6 &f, and i2ple2ent, a 2&-e pe-2anent f&-e=l&%-e p-eenti&n alte-natie! T5e

%e-i=e-should evaluate and identifya pe-2anent %&lti&n d-in4 t5e fi-%t t5-ee 2&nt5%

&f t5e f&-;ea-an=e pe-i&d andshould implementt5e alte-natie ;6 t5e end &f t5e %it5

2&nt5!@ +Ann&n=e2ent 0*.0BR,supra, at p! 3, itali=% added!e =&n=lde t5e%e p-&i%i&n% &f Ann&n=e2ent 0*.0BR 2%t ;e -ead int&

H&2eSae- F&-;ea-an=e a4-ee2ent%! !est,supra, 1' Cal!App!'t5 )0, i% in%t-=tie!

In !est, a panel &f t5i% =&-t add-e%%ed 1B.>1(G, t5e Nint5 Ci-=it C&-t &f Appeal%

ep-e%%l6 a4-eed


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=lai2% f&- ;-ea=5 &f t5e TPP a4-ee2ent!@ +See Chavez v. )ndymac ort#a#e Services

+013 1* Cal!App!'t5 10B, 10B* f&ll&

)


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Cuevas v. Superior Court +1*)( B Cal!App!3d '0(, '0* in Penal C&de %e=ti&n 1B3!B,

%;dii%i&n +;, ?tG5e


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&


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In t5i% &pini&n, t5e -i45t% and &;li4ati&n% nde- t5e F&-;ea-an=e A4-ee2ent

a-e ;ein4 identified and de%=-i;ed in a definitie


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T5e Fi-%t A2ended C&2plaint did n&t alle4e an6 2i%-ep-e%entati&n%

att-i;ted t& Fannie #ae!

T5e Fi-%t A2ended C&2plaint alle4ed Le-a%


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Cal! 1, 1' n&2inal da2a4e% n&t -e=&e-a;le nde- 2ai2 de 2ini2i% n&n =-at leGJ

!olff v. Prosser +1) )3 Cal! 1*, 0 2ai2 de 2ini2i% n&n =-at le applie% t&

da2a4e% &f K10GJ3arris v. -ime$ )nc. +1) 1*1 Cal!App!3d ''*, 'B ?t5e p-e%ent

a=ti&n i% de 2ini2i%: in t5e et-e2e@G!

Nee-t5ele%%, t5e e5i;it% atta=5ed t& t5e Fi-%t A2ended C&2plaint

in=ldin4 t5e F&-;ea-an=e A4-ee2ent, t5e #a6 B, 011 lette-, and t5e #a6 (, 011 lette-

de2&n%t-ate t5e-e i% a -ea%&na;le p&%%i;ilit6 t5e defe=t% in t5e f-ad =a%e &f a=ti&n =an

;e =-ed ;6 a2end2ent! In t5e #a6 B, 011 lette-, "an8 &f A2e-i=a inf&-2ed Le-a%

an6 pendin4 f&-e=l&%-e %ale


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Citati&n!G@ +Smith v. State Farm utual utomo*ile )ns. Co. +001 *3 Cal!App!'t5

)00, )1*! An nfai- ;%ine%% p-a=ti=e al%& 2ean% ?t5e p;li= p&li=6


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-ei-ed t& ente- int& a t-an%a=ti&n, =&%tin4 2&ne6 &- p-&pe-t6, t5at


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T5e e%ti&n i%


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T5i% =a%e i% %i2ila- t&"enkinsin t5at Le-a%:% defalt &n t5e l&an, n&t an6

=&nd=t &n t5e pa-t &f "an8 &f A2e-i=a, t-i44e-ed f&-e=l&%-e p-&=eedin4%!"enkinsi%

di%tin4i%5a;le, 5&


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%&lti&n %& t5at t5e6 =&ld %ae t5ei- 5&2e if t5e6 %i4ned t5e a4-ee2ent, %pplied t5e

inf&-2ati&n -ee%ted and 2ade all &f t5e pa62ent% &n ti2e!@

(! ?Failin4 t& 2a8e a dete-2inati&n &- identif6 a pe-2anent %&lti&n %& t5at

t5e p;li= li8e ! ! ! Le-a% =&ld %ae t5ei- 5&2e%G ;6 t5e t5i-d 2&nt5 &f t5e plan in

i&lati&n &f t5e H&2eSae- $ideline% &ted a;&e in ;-ea=5 &f ind%t-6 %tanda-d% %et

;6 1B United State% C&de %e=ti&nG 1(3*a!@

)! ?Fal%el6 -ep-e%entin4 t5at ! ! ! Le-a% did n&t alif6 f&- HA#P

2&difi=ati&n


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f&-e=l&%-e %ale! In t5i% =a%e, Le-a% alle4ed 5e =&nta=ted "an8 &f A2e-i=a a;&t t5e

#a6 (, 011 lette-,


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+1**' ( Cal!App!'t5 1)03, 1)0) ?2&-t4a4&- &f -eal p-&pe-t6 =ann&t,


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inde;tedne%% ;ef&-e %ee8in4 t& en&in t5e f&-e=l&%-e %ale ;e=a%e ?t& pe-2it a

f&-e=l&%-e


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THOMPSON4 5.4C&n=--in4 and Di%%entin4I =&n=- in t5&%e p&-ti&n% &f t5e 2a&-it6

&pini&n


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T5i-d, t5e 2a&-it6 =&n=ede% t5e ;-ea=5 &f =&nt-a=t =a%e &f a=ti&n i%

5&pele%%l6 defi=ient, ;t a%%e-t% t5e p-&i%i&n% &f Fannie #ae Ann&n=e2ent 0*.0BR

2%t ;e ?-ead int&@ t5e f&-;ea-an=e a4-ee2ent t& =i-=2ent t5&%e defi=ien=ie%! T5e

2a&-it6 =ite% n& =a%e

-e%iden=e at all -eleant ti2e%, t5-&45 and in=ldin4 t5e date &n


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"an8 &f A2e-i=a +a% %==e%%&- t& C&nt-6


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Le-a% a=8n&


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I22ediatel6 afte- -e=eiin4 t5e #a6 B lette-, ?Le-a%G =&nta=ted Nan=6

5ita8e- at "an8 &f A2e-i=a


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Si2ila-l6, in 5i% &pp&%iti&n t& t5e de2--e-% t& t5e fi-%t a2ended =&2plaint,

Le-a% a4ain ad2itted ?afte- t5i% la


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?T& %ati%f6 t5at ;-den &n appeal, a plaintiff ?2%t %5&< in


52/61

One =&-t =itin4 it8in 5eld an ad2i%%i&n in t5e &penin4 ;-ief


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dete-2inin4


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it5&t ;alan=in4 t5e a-i&% fa=t&-% di%=%%ed in%ymark, t5e 2a&-it6

di%=&e-% a dt6


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appli=ati&n 5ad ;een app-&ed ;6 "an8 &f A2e-i=a, %;e=t t& Fannie #ae app-&al!

T5i-d, %5e t&ld 5i2 t5e t-%tee:% %ale


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In =&n=l%i&n, Le-a% did n&t plead &- de2&n%t-ate a -ea%&na;le p&%%i;ilit6

5e =an plead %ffi=ient fa=t% t& e%ta;li%5 t5e ele2ent% &f a ne4li4ent 2i%-ep-e%entati&n

=a%e &f a=ti&n a4ain%t "an8 &f A2e-i=a ;a%ed p&n =&22ni=ati&n% =&n=e-nin4 t5e

%tat% &f t5e l&an 2&difi=ati&n appli=ati&n &- t5e t-%tee:% %ale! Hen=e, t5e-e i% n& ;a%i%

f&- 4-antin4 Le-a%:% leae t& alle4e a ne4li4ent 2i%-ep-e%entati&n =a%e &f a=ti&n!

D! Breach of Contract

Le-a% alle4ed "an8 &f A2e-i=a ;-ea=5ed t5e F&-;ea-an=e A4-ee2ent ;6

te-2inatin4 t5e defe--al pe-i&d, and ;6 failin4 t& &ffe- 5i2 a l&an 2&difi=ati&n &- %&2e

&t5e- -e%&lti&n ;ef&-e =&22en=in4 &- -e%2in4 t5e f&-e=l&%-e p-&=e%%! "t Le-a% did

n&t plead %ffi=ient fa=t% t& e%ta;li%5 t5e ele2ent% &f t5i% =lai2!

@! Breach

Le-a% did n&t plead an6 fa=t% %5&


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5a% f&ll&


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In additi&n, t5e TPP in !est


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merica,supra, 1* Cal!App!'t5 at p!1'*1! Le-a% 2ade n& atte2pt t& 2eet t5i%

;-den! T5e-ef&-e, t5e de2--e-% t& t5e ;-ea=5 &f =&nt-a=t =a%e &f a=ti&n ;a%ed p&n t5e

F&-;ea-an=e A4-ee2ent


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F&- all &f t5e%e -ea%&n%, I a4-ee


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CONCLUSION

T5e t-ial =&-t =&--e=tl6 %%tained t5e de2--e-% t& t5e fi-%t a2ended

=&2plaint and did n&t a;%e it% di%=-eti&n ;6 den6in4 leae t& a2end! T5e =&nt-a-6

de=i%i&n ;6 t5e 2a&-it6 -ep-e%ent% a depa-t-e f-&2 %ettled la< and =-eate% n=e-taint6

lueras v. bac home loans (ca. ct. app. nov. 2013) precedential in word doc

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