Circeo-Loudon et al v. Green Tree Servicing, LLC et al
Filing
70
ORDER denying 53 Motion to Dismiss. Signed by Judge Federico A. Moreno on 4/27/2015. (whl)
UN I
TED STATE S D I
STR I CO U R T FO R TH E
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O M N I S O RD ER D EN Y I G D EFE ND A N TS'M O TI N S TO DI I
BU
N
O
SM SS
Thi Cou t ha s r
s
r s e ved a t f u f a num be of if c pl ce i ur nce 'ca es i
s he or m or
r ior e- a d ns a ' s n
whi h borowe salege t tm o t ge lnde s a l n-r cki a
c
r r l
ha
rga e r nd oa ta ng genc e defa d borowe s
i s r ude
r r
by pa ng a r ei ng brbes a il ga ki cks i or r t e t i h e us ve d lng
yi nd ec vi
i
nd le l ckba
n de o s abls xcl i ea i
a r nge e si t i pur ui off r e pl cng ha r i ur nc I e h oft s ca e ,t Cour
ra m nt n her s t o c - a i
za d ns a e. n ac
he e s s he
t
ha gr ppld wih t que ton of wheher t borowe s ha pld t ilgalpa e a
s a e
t he
si
t he r r ve e he le
ym nt nd
r c ptof ki c wih s fce pa tc art t de onsr t t t t pa
e ei
ckba ks t ufi int riul iy o m tae ha he yment a e i f c
s r n at
il ga , r t t n m e el co m i sons f r s r ce r nder d. I t pa e s bet e n t
le l a her ha
r y m si
o e vi s e
e
f he ym nt
w e he
l nde s a l n-r ki a nc es w e e va i co m i s o ,t t l nde s wer wel wihi
e r nd oa tac ng ge i
r ld m s i ns hen he e r
e
l tn
t rr g s t upcha ge bor ow e s f f ce pl ci i ur nce be us t m or ga a ee en s
hei i ht o
r
r r or or
a ng ns a
ca e he
t ge gr m t
di c os d t t t c t of f c pl c ng haz r i ur nce m a e ed t c t of bor ow e s
s l e ha he os
or e a i
a d ns a
y xce he os
r r
obt ni ha r i ur nc on t i own. Se Fe v Wels Far Bank N A. 745 F. 1
ai ng za d ns a e
her
e az . l
go
,
,
3d 098,
1111 ( 1h Ci.201 . l,on t ot r ha t pa nt we e not ng mor t n ilga
1 t r 4) f
he he nd, he yme s r
hi
e ha le l
ki bac wihi a s he e t defa bor o r ,t n dic osng t hi r e cos off ce
ck ks t n c m o r ud r we s he s l i he ghe nd t or -
plci i ur ncedoesnots ed l r a l ta ng a ncesfom s t Se Al z v
a ng ns a
hi l ende s nd oan-r cki ge i r
ui. e man ar .
See t r o i Se vcn iI c,No.1 - V- 2 8 ,2 5 W L 1 91 0 a * - ( D. a M a.
lc Po f lo r iig n .
4 C1 2 5 6 01
35 5 , t 2 3 S. Fl. r
24,201 .
5)
TheCour dimis d t Pl ntf borowe s orgi compl i ba e on t Def nda s
t s s e he ai if r r ' i nal
ant s d
he e nt '
ds ls r t tb ro r wo l b s jc t hg e c ssi t yd dn to ti h z r i s rn e
ico u e ha o r wes ud e ube t o ih r o t f he i o ban a ad n ua c
on t i own,and gr e t Pl ntfs lave t fl an a e
her
antd he ai if e
o ie
m nded c pl ntt tde
om ai ha monsr e
tatd
t t a pori oft f cepl e i ur nce c t we e il ali t fr tpl c whih woul
ha
ton
he or - ac d ns a
os s r leg n he is a e, c
d
r nde t dic os es m e ni es . Def nda s Gr n Tr Se i Gr n Tr e l ur nc
e r he s l ur
a ngl s
e nt ee ee nicng, ee
e ns a e
Age y, a d Am e i a Re ibl I ur nce Com pa now m ove t dim is t a de
nc n
rc n la e ns a
ny
o s s he men d
c
ompli ,a t Cour c i r whe he t Pl i if pl s fcintf c s de onsr t t t
ant nd he
t onsde s
t r he antfs ed ufi e a t m tae ha
t pa nt bewee t l nde sa l n-r ki age e a e m or t ûle kikba ks'
he yme s t n he e r nd oa tac ng ncis r
e han t lgal c c '
i
i nam e onl
n
y.
I t ra e
n hei m nded c
ompl nt t Pli if pr s ntt f c sasf l
ai ,he a ntf s e e he a t
olows;
As ur nt l ,iss i a i s i l ng De enda Amerc Re ibl l ur nc
s a , nc. t ubsdire , ncudi
f nt
ian la e ns a e
Co a y ( C) a d mao mo ta e ln r d v s d a fa d ln she
mp n ARI , n
j r rg g e des e ie
r u ue t c me
whe e ARI ofe e l n-r ki a i ur nc - a eme s r i est l nde s
r by
C f r d oa tac ng nd ns a e pl c nt e v c o e r
a pai t m t r d kikbac ( s ntal brbe ) i exc
nd d he meane c ks ese ily i s n hange fr a
o n
e l i c r c ua r ltons p. The ki cks t t lnder a morga
xcusve onta t l ea i hi
ckba
o he e s nd
t ge
s r c s t m a f m s a we e c r t i d a lgii ae pa
e vier ook ny or , nd r ha acerze s e tm t ymen s t
t o
c ea t i a t lpur e fom c umer . Fore mpl,t kikba kswe e
onc l her c ua
pos r
ons
s
xa e he c c
r
ofe cha a t r z a S om m i s ons ' pai t an a t la e of t l nder f
tn
r c e i ed s s
c
si '
d o
fi i t
he e
or
br r s r i s butwe e i f tcyce t ough t a fla e whih di no
oke age e vce ,
r n ac
ld hr
he fiit , c d
wor i c m e ton wih t bonowe ' f c - a ed i ur nce a pai ba t
k n ol c i
t he
rs or e plc ns a , nd d ck o
t l nde aspu e pr i. Kikbac a s t t f r of c ptve r ns a e
he e r
r oft
c
ks lo ook he o m
a i ei ur nc
a r men s die pa nt ,de ns r mbur eme s' de f gi ne s or
range t , r ct yme s txpe e ei
s nt , bt or ve s ,
'
d so n e a mi srtv s r ie . Ove tme te s h me ra d t e mao
ic u td d nitaie e vc s
r i , h c e s e pe h j r
morga lnde sa t Def nda shund e ofm ilonsofdola si ilga a
t ge e r nd he e nt
r ds
li
lr n le l nd
unea e pr s
m d oût .
De enda Gr n Tr e Se v cng i a morga s r ce t t pur ha e ma tr
f nt ee
e
r ii s
t ge e vi r ha
c s d se
i ur nc polc es t t cove ed is e ie porf i of m orgage l . l
ns a e
i i ha
r t ntr
tolo
t
oans n
-
2-
e ha ,ARI wa gi n t e l i rghtt f c i ur e on t pr ry
xc nge
C s ve he xcusve i o or e ns anc
he ope t
s c i a l n wihi t porf i when t bor owers i ur nce l ed ort
e urng oa t n he tolo
he r
' ns a
aps
he
lnde de e mi t tt borowe ' e si i ur e was i dequa e. ARI
e r t r ned ha he r rs xitng ns anc
na
t
C
m onior d Gr n Tr e Se vii s e ie l n porf i f lps i borowe s
t e
ee e r cng' ntr oa
tolo or a es n r r '
i ur nc co r e. Onc a lps was i ntfe ARI s nt notc t t
ns a e ve ag
e a e
de ii d,
C e
i e o he
borowert ti ur nc woul be Spur has d' and f cepl e i t vol a y
r
ha ns a e
d
t c e '
or - ac d f he untr
co a wa not c i d. l a l ps contnue t i ur r notfed t
ver ge s
ontnue
f a e
i d, he ns e
ii he
borowe t i ur ewasbei f c plce a hi orhe e ns
r r hat ns anc
ng or e- a d t s
r xpe e.
Gr e Tr ec r borowe smor t n t a t cos off c pl e cove age
e n e ha ged r r
e ha he c ual t or e- ac d
r ,
a t c r ed borowe s mor t n t a oun nec s a y t c r is own
nd hus ha g
r r
e ha he m t e s r o ove t
it r ti t c lt r lf borowe s'm o t e l ns The c r espas e on t
n e es n he ola e a or r r
rgag oa .
ha g
sd
o
bol we s we e a tfci l i l t by t Gr e Tr Def nda s a ARI t
w r r ri aly nfaed
he e n ee
e nt nd
C o
i l t c t of brbe a s
ncude he os
i s nd ome of t ot r une r d be is des rbe
he he
a ne
neft
ci d
a
bove a lof whih we e smpl ki kbac pai by ARI t t Gr en Tr e
, l
c
r i y c
ks d
C o he e
e
De e nt t m ant i a e usve r a i hi Gr e Tr e a s pa s d on
f nda s o i an n xcl i eltons p. e n e lo s e
c r s t t hom e
ha ge o he
owne s f unne es a y or le s ' c r ge t t was
r or
c sr
sxce s' ove a ha
r quied net rby 1 w nort t r soft borowe s morga l ns
e r
ihe
a
he e m
he r r ' t ge oa .
For t pur e of t i t nt m otons t Cour m us a e t e a l gatons a t u
he pos s he ns a
i , he
t
t cc pt hes le i
s r e,
a c tu t a l tonsi t lghtmos f r bl t t Pl ntfst de e m i whe he t
nd onsr es he lega i n he i
t avo a e o he ai if o t r ne
t r he
Pl ntfs pld e
ai if e noug f c s t sat pl usbl cai s f r le . See Bel Atantc Cor v
h a t o t e a i e l m or e if
l l i
p. .
es t he enda s
i o s s e
e
Twombl 55 U. 5 555(
y, 0 S. 44, 2007) Asar ul,t Def nt 'motonst dim isar deni d.
.
ti
ufii nt acual te t n he
A c eptng Pl ntf s a l ga i a tue t Cour fnds s fc e f t ma tr wihi t
c i
ai i f ' le tons s r , he
nough
a nd co pl ntt s
me ed m ai o uppor t rcl ms I pa tc a ,t Pl i tf s ha pr ded e
t hei ai . n r i ul r he a n if ve ovi
deai a
t l bout t De enda s ilci s he of i iy ng l ps s a f c - a ng i ur nc
he f nt ' li t c me
dentf i a e nd or e plci ns a e
wihi a e l i de i a r ng ntt e tbls t t a a l ed,t paymen st ta m ae
t n n xcusve alng ra eme o sa ih ha , s leg he
t ha ni td
t f ce pl e i ur e s me c tt e il ga kikba ks Ofc s i dic y yi ds
he or - ac d ns anc che
onsiutd le l c c .
our e, f s over el
i s fiin e i e c ,h Co r ma g a ts mmayj d me tf rt De e d n s At h ssa e
n u fce t v d n e te u t y rn u r u g n o he f n a t. t i tg ,
howe r i i mor pr ntt de t motonst dim isf rt r s t f l
ve , t s e ude o ny he i o s s o he ea ons hat olow.
D EFENDANTS'D I
SCLOSURE OF FORCEPLACED INSURANCE
l t i morg a e nt wih t Pli if ,t De enda sdicl ed t tbor o r
n her
tage gr eme s t he antfs he f nt s os ha
r we s
mih b s be tt û hh g r' o t i teb ro r ddno o ti ha adi u a eo t er
g t e ujc o s
muc ihe'c ss f h o r wes i t b an z r ns rnc n h i
-
3-
o
wn. The De e nt bele t t t s dicos e f e os s any cli se m i fom t
f nda s ive ha hi s l ur or cl e
a ms tm ng r
he
hi rc t t tt De enda scha ge borowe sonceha r i ur nc wa f c pl c upon
ghe oss ha he f nt
r d r r
za d ns a e s or e- a ed
t borowe s
he r r .
The Def nt 'dicos ea gume r le on t as umpton t tt f espai by ARI
enda s s l ur r
nt e is he s
i ha he e
d
C
t Gr e Tr wer c misons r t rt n il lkikba
o e n ee e om s i
a he ha lega c cks whi h i a is t tg st
c s n s ue ha oe o
t c e oft sc e. TheCour r ogniest tm e e y l lng payme sasilga û c
he or
hi as
t ec z ha r l abe i
nt
le l s kbac '
ki
ks'
i i ufi intt s
s ns fce o uppo tt Pl ntfs cli f r le . Se Fe ,745 F. a 1111 Cohe v
r he ai if ' a ms or ei f e az
3d t
;
n .
Ame ianSe ri I su anc Co. 735F. 601 611( t Ci.201 . I ta t Cour l t
rc cu t n r e ,
y
3d ,
7h r 3) nse d,he
t ooks o
t f c s a pl t detr i whehert qui pr qu a r nge e bet e t Gr e Tr
he a t s ed o e m ne
t he d o o ra m nt we n he e n ee
De e nt a ARI m ove i o t r am of il alpay e s f r s r ce ,ie. brbe ,t
f nda s nd
C
s nt he e l
leg
m nt o e vi s . , i s he
i opre y ofwhih ca
mpr it
c nnotbeofs tby di cos est t borowe s
fe
s l ur o he r r .
l t r ame d compl i , t Pli if ha move be
n hei
nde
ant he a ntfs ve
d yond mer l lbei t
ey a lng he
pa nt ilga ki c . The Pli if de a la s cr ts m e by whi h ARI pai wholy
yme s le l ckba ks
antfs t i e e che
c
C d
l
une r d ki ckst Gr e Tr i exc nge f a e l i co r ct r l tons p t f c
a ne ckba
o e n ee n ha
or n xcusve nta ual e ai hi o or e
plcei ur nceupon t Pl ntfs Thec t a s i t wih t De e nt 'faudulnts he
a ns a
he ai if .
oss s oc aed t he f nda s r
e c me
we e pas e ont t borowe s gi ng rs t t cl ms i t sca e. I ,asa l d,t f ce
r
s d o he r r , vi ie o he ai n hi s f
lege he or pl e i ur nce s he wasdrve by ilga kikba ks t n dicl i t e cos off ce
ac d ns a
c me
i n
le l c c , he s osng he nd t or plc ng t i ur nce cam oti ult t De enda sfom cai spe ti ng t t Def nt '
a i he ns a
l
ns ae he f nt r
lm
ra ni o he enda s
be nd t s e a tvii t tdr up t r t sbor by uns pe tngborower .
hi he c ne c i tes ha ove he a e
ne
us c i
r
s
I.
I
R ACKETEER I
NFLUENCED AND C ORRUPT O RGANI
ZATI R I O C LAI S
ON C
M
AGAI A LL DEFENDANTS
NST
The Defnda s Rac te l l nc a CoruptOr niai Ac ( CO)a g nt
e nt' kee r ntue ed nd r
ga z ton t Rl
r ume s
as t n on t ti e is of whe he t c t buit i o t De e nt ' f ce pl e
lo ur
he rabl s ue
t r he oss l nt he f nda s or - ac d
i ur nc s he e c tt ed c m i s ons or il galki kbac . I t f c pl ce i ur nc
ns a e c m ons iut om s i
le
c
ks f he or e- a d ns a e
4-
-
s he e wa d i n by ilgala i te ,t n t Pl ntfs ha s tsi d t e e
c m
s rve
le
ctvii s he he ai if ve a ife he l ment ofRI
s
CO
camst r1 U. C.j1 c andj 1 d)
li mde 8 S.
962()
962( .
The Pli if aleget tt De e
antf s l ha he f ndan smaie l te st borowe st tm ir e e ed
t
l d et r o r r ha sepr s nt
t nat e oft a
he ur
he mount t tt y wo d bebild,saed t tt a
s ha he
ul
le t t ha he mount r pr s nt t c t
s e e e ed he os
ofi ur nc a f l t dicl e t ta pori oft c t r pr e e une ne kikba
ns a e, nd aied o s os ha
ton
he oss e es nt d
ar d c cks
t twe e pai t Gr en Tr e i e hange f a e usve c r cua r ltons p wih ARI
ha r
d o e
e n xc
or n xcl i onta t l ea i hi t
C.
The Pl i if f t r a l ge t t t e notc ca ed bor ower t f r go obt ni ha r
a ntf s urhe le ha hes
i es us
r
s o oe
ai ng za d
i ur e bec us t Pl i if woul ha ob ai d i ur nc on t i own i t wer
ns anc
a e he antfs
d ve t ne ns a e
her
f hey
e
i o d t t Def ndant'f c - a ed i ur ncei ude t cossofune ne ki kba ks
nf nne hat he e
s or e pl c ns a
ncl d he t
ar d c c .
A c r ng t t Pl ntf s t s a tvii s w e e a e d u
co di o he ai i f , he e c i te
r gr e pon and ca d out by G r e
nie
en
Tr e a ARI The m e r oft e e rs s e t c
e nd
C.
mbe s he ntp ie har d he omm on goa ofi r sng r ve
l nc ea i e nues
by f ci t Pl ntfs t pa i l ed r t s bas on t il l ki c t t f l t
or ng he ai if o y ntat a e
ed
he lega ckba ks ha ueed he
e e rs a asde a ld a
ntm ie, nd,
t ie bove,e h m e be plyed a i s ns bl r e i t o r ton of
ac
m r a
n ndipe a e ol n he pe a i
t e e rs . I pr n,t e a lgatonsf m t ba i ofRI a RI c piac cam s
he ntm ie f ove hes le i or he s s
CO nd CO ons r y li
s e m i f om t D ef ndan s's he e t de r ud bo r e s by m ai f a Se Jac a v U S.
t m ng r he
e
t c m o fa
r ow r
l r ud. e k on .
Bank N A.44F.Supp. 1 0,1 9( D.Fl 201 .
, ,
3d 21 21 S. a. 4)
11
1.
TRUTH I LENDI ACT CLAI AGAI T THE GREEN TREEDEF
N
NG
MS
NS
ENDANTS
TheTr t i Le ngAct 1 U. C.j 1 ,e s q. pr ecscons me sbyhepi t m
uh n ndi
, 5 S.
601 t e , ot t
u r
l ng he
make i onue cr di dec sons Se For M ot Cr di Co r M iholi 444 U. 555,559
nf
d e t ii . e
d
or e t . . l ln,
S.
( 980)(1 Tr t i Le ng Acthast br d pur e ofpr i t i or d us of
1
$
The uh n ndi
he oa
pos
omotng he nf me e
cedi by a s i mea ngf dicos e ofcedi t mst c ume s') ThePl ntfsalege
r t surng ni ul s l ur
r t er o ons r . .
'
ai if l
t tt Gr n Tr Def nda svi a e t Tr h i Le ng Ac by c ngi t t r soft
ha he ee ee e nt olt d he ut n ndi
t
ha ng he e m
he
Pl ntfs l
ai if ' oansan cr a i ne oblgai nswhe t Def nda s f c d t Pl ntfst f
d e tng w
i to
n he
e nt or e he ai if o und
-
5-
brbes a une m e ki kba . The Pli if f t r alege t t t c t e e d t e
i
nd
a d c cks
antf s urhe l
ha he oss xc ede hos
r quied by lw a t Pa tes morga agr e e s a t tt e hi
e r
a nd he ri ' t ge e m nt , nd ha hes dden c t f m t ba i
oss or he ss
ofTr t i Le ng Ac vi a i be a e t Gr e Tr De e nt di notdicos t m t
u h n ndi
t oltons c us he e n ee f nda s d
s l e he o
t Pl i if . Gr en Tr e r ponds t t i di no nee t dicl e t c t be aus t
he antfs
e
e es
ha t d t d o s os he os s c e hey
co tt e i ur nc pr m i ,a be us Gr e Tr e i onned borowe s t tt y co d
nsiut d ns a e e ums nd ca e e n e nf
r r ha he ul
obti t sc r efom ot rs c i a c da ewih 1 C. R.j226.
an hi oveag r
he oures n c or nc t 2 F.
The Cour c t u t pr s ons of t Tr t i Le ng A c lbe aly t a f d r le
t ons r es he ovi i
he u h n ndi
t i r l o f or e i f
t bor wes S eBr g v Bi He r Ch v o e, nc, 7 F.d 1 60 1 6 ( 1hCi. 0 4 .l
o ro r . e a g . l a d e r ltI .3 4 3 0 , 0 5 1 t r 2 0 ) n
l
c tung t Pl ntfs Tr h i Le ng Ac a lga i , t Cour a n t ns t t
onsr i he ai if ' ut n ndi
t le tons he
t gai ur o he
ditnc i be wee lgal co misons a une r d ki kba ,t lte of whi h ca t
si ton t n e
m si
nd
a ne c cks he a tr
c
nno
co tt e a vald t emi f ri ur nc ' undert saut Se J k on,44 F.Supp.a 1 1
nsiut
i û
pr um o ns a e'
he t t e. e ac s
t 2 9.
The de e i na ur oft une ne kikbac s he epr cl s t a i a i oft Tr h i
c ptve t e he ar d c
k c m
e ude he pplc ton he ut n
Le ng Ac ' o - arsaut oflm iatonsa ns Pli if 'cli s I Thus t Pli if
ndi
ts ne ye t t e i t i
gai t a ntfs am . d
, he a ntfs
ha sa e c am sf rvi ai nsoft Tr h i Lendi Ac .
ve tt d l i o ol to
he ut n
ng t
I .
V
FLORI DECEPTI AND UNFAI TM DE PRACTI A CT C LAI S
DA
VE
R
CES
M
AGAI T G REEN TREE
NS
The Flrda De ptve a Unfi Tr Pr tc Ac (
oi
ce i nd ar ade acies t FDUTPA)pr bisi aror
ohi t ç i
unf
d c p ie a t o p a tc si t ec n u to a y ta e o c mme c . Fl.Sa .j 5 . 4 1.
e e tv cs r r cie n h o d c f n r d r o re' a tt 0120 4)
'
To sae a cam f a vi ai oft FDUTPA,t Pli if mus alege:1 a de epi or
tt li or olton he
he antfs t l
) c tve
unfi pr cie i t coure oftadeorc
ar a tc n he
s
r
omme c 2)c uston;a 3)acualda ge . Se
r e; a ai nd
t
ma s e
Roli ,I .v Bul 951 So. 860,869 ( a.2d DCA 2006) TheDef nt oncea i
lns nc . tand,
2d
F1
.
enda s
gan
r l on t i dicos e a gume i t i m oton t dim is Pli if 'FDUTPA ca ms a t
ey
her s l ur z
nt n her i o s s a ntfs
li , s he
pe f ma e ofa con r ti ac da e wih t t r s oft a ee nt c nnotconsiut a
ror nc
tac n cor nc t he e m
he gr me a
tt e n
unf i ordec ptve a t
ar
e i c.
-
6-
As a e s d a
ddr s e bove,t Pl i if do notco pl n a
he antfs
m ai boutt hi h r t of t f ce
he g aes
he or -
plce i urnc ( ch wer dicl e t t Pl ntfs,butr t t de ptve a unf r
a d ns a e whi
e s os d o he ai if)
aher he ce i nd ai
pr tc st tg rtd apo to oft rts( c weeno dicl e t t Pli if) The
acie ha eneae
rin he ae whih r t s os d o he antfs.
dec ptve a unf rpr tc t tt Pl i if alege i l t pa e a r eptofs r t
e i nd ai ac ies ha he antfs l ncude he ym nt nd ec i
ec e
brbe t t alow e Gr e Tr t extac il galy i l t d r t s f om t Pl ntf s The e
i s ha l d e n ee o r t le l nfa e a e r
he ai i f .
s
ale tons c tt e a cl i f vi a i oft FD U PTPA .
l ga i
ons iut
a m or ol ton he
V.
COM M ON LAW C LAI S AGAI T A LL D EF
M
NS
ENDANTS
The Pl i i f br ng a num be of com m on 1 c ai s r l t d t t D e e
a ntf s i
r
aw l m e a e o he f ndant '
s
pe f manc oft i d i unde t i morga ag e m e s The Pl i if fr ta l e smpl
ror
e he r utes
r he r
t ge r e nt .
antfs is leg i e
br ac oft m orgage ag ee e s ba e on Gr en Tr ' unr as bl plce tofha r
e hes he
t
r m nt s d
e
ee s e ona e a men
za d
i urnce ( c a c di t t Pli if,i ve up- r ng borowes f uneane
ns a
whih, c or ng o he antfs nvol d chagi
r r or
r d
kikba ks. Though t e es l ua oft c rcsalowe Gren Tre t fr plce
c c )
he xpr s ang ge he onta t l d e
e o oce a
i ur nc upon t Pl ntfsupon lps ,Gr en Tr e wasoblgaed t do s i a S e onabl a
ns a e
he ai if
a e e
e
i t o
o n ç as
r
e nd
a prp it mame . S e LJ/z r S na de Ba k N A. N0.CI A.1 - 0 0 2 4 W L
p o rae r r' e ft . a tn r n
'
'
a
,
V. 3 4 4 , 01
26931 a * ( D.Pa.J 1 201 . The Cour c motdimist Pli if br a h of
58, t 4 E.
une 2, 4)
t ar
s s he antfs' e c
c ta t c am s a i t Gr e Tr be a e wheher Gr en Tr e f c plce i ur nc i
on r c l i
ga ns e n ee c us
t
e
e or e- a d ns a e n
r s bl m a ri ac e td is i t c e.
ea ona e nne s ont se s ue n he as
Si ia l t Pl i if bas t i b e c ofi pled c na c ai son Gr en Tr s ba
m l r y, he a ntf s e he r r a h m i ove nt l m
e
ee' d
f t e r ie ofdic e i whe i i pos d ha r i ur nc upo t Pl ntfsbec us Gr n
aih xe c s
s r ton
n t m e za d ns a e n he ai if
a e ee
Tr charged t Pl nt f s f il ki
ee
he ai i f or legal ckbacks and ot il tm at cos s. The Courts no
her legii e t
ees
r a on t de r f om t pr ce nti t s D i ti tt ta l sbr a ofi ple cove ntc ai s
e s o pa t r he e de n hi s r c ha low
e ch m i d
na l m
t pr e on ne r y i i a a l ga i . Se Car n v 1 G Bank FSB,N o.9: 3- v- 065
o oc ed
a l dentc l le tons
e
de . N
,
1 c 8 9-
KLR ( D.Fl M ac 20,201 .
S. a. rh
4)
The Pl ntf s buid t to i e f r nc cli s a ns ARI upon t i br a h of
ai if
l ori us ntr e e e am gai t
C
her e c
c r tcl i s aga ns G r en Tr A s t Pl i if s a e pl us bl cl i s f r i on t r
ontac a m
i t e
ee.
he a ntf s t t d a i e a m or elef
hei
br ac of co r c alega i , t i de a l d pl adi
e h
nt a t l tons he r t ie
e ngs a
bout how A RI i e i l a
C nt ntonaly nd
u j tfa y c usd Gr e Tre t b e c is mo ta e a r e n s wi t e P an if ( y
nusiibl a e e n e o r a h t rg g g e me t t h litfs b
h
i r a i t c tofhaz r i urnc t c une r dkikba ks ar s fcen t saecams
nc e sng he os
a d ns a e o over a ne c c ) e ufii t o tt li
ag ns ARI f t tousi e f r ncewih Gr n Tr smorga contac swih t Pli if .
ai t
C or ori ntr e e
t ee ee'
t ge
r t t he antfs
The Pli if f e ahi he bur n t sae c am sf br c oftduc a y dut asl nde s
antf s ac
g r de o t t l i or ea h i i r
y, e r
ge a l do notac a fduci r e t w ar bor ow e s unde Fl i l w . Ca t Bank v.M VB,
ner ly
t s i a i s o ds r r
r orda a
pial
I . 6 So.2d 51 518( a.Dit Ct App.1 . Ne rhee s t r a ecrumsanc i
nc, 44
5,
F1 s. .
994) ve t ls , he e z ic t es n
w hi h a l nde t s on t r e of a fduc a y,i udi w he t l nde S ec i s a gr a e
c
e r ake
he ol
i i r ncl ng
n he e r k e ve ny e t r
r
ec
onom i be ft t n f om a t ca t a a ton. l a 51 The Pl i if a l e t t Gr n
c ne ha r
ypi l r ns c i ' d t 9.
'
a ntf s leg ha ee
Tre t on t r e of a fducay be us i rceved a tfci l ( ilgaly) i l td
e ook
he ol
i ir ca e t e i
rii aly and le l ntae
e no i be is by e oii is r l tons p wih ARI and t tGr e Tr di s a t
co m c neft
xpl tng t e ai hi t
C,
ha e n ee d o t he
e
xpens oft Pli if . I pr n,t e alega i f r t ba i of cai s f br ac of
e
he antfs f ove hes l tons o m he ss
l m or e h
fduca y dut agans Gr en Tr e. Ac or Cannon v
i ir
y i t e
e
c d
.Wels Far BankN A. 917 F.Supp.2d
l
go
,
1 25 1 5( D. l2 3 (p li Fo ialw)
0 , 05 N. Ca. 01 ) a pyng lrd a .
Fial,tePlitfspld camsf ru j s e c me ti t eatr aiet t erb e c
n ly h an if e li o nu t mi h n n h l n tv o h i ra h
e
of c r c cai . The Pli if al ge t t ARI was e c
onta t l ms
antfs le ha
C
mi hed by is excusve de lng
t
l i
ai
a r nge ntwih Gr n Tr e,whih alowe ARI t e r c arii i ly i lt d c t fo t
r a me
t ee e
c l d
C o xta t tfc a l nfa e os s r m he
Pl ntf s a t t Gr n Tr ,i t n,was e i hed by t ki kba ks t t A RI pa d t Gr n
ai i f , nd ha ee ee n ur
nr c
he c c ha
C i o ee
Tr e i or r t s c e t e us ve de lng ar a m e . A c di t t Pl ntf s t
e n de o e ur he xcl i
ai
r nge nt
cor ng o he ai i f , he
Dee d ns e rc me twa nu tb c u e i wa g n r td by t e Dee a t'fa d ln
fn a t' n ih n su j s e a s t s e e ae
h fnd n s ru ue t
-
8-
f c - ac d i ur nc s he e. See Canno 91 F.Supp.2d a 1 3. Thes a lga i a e
or e pl e ns a e c m
n, 7
t 05
e le tons r
s fiin t saec mmo 1w camsf ru j t n ihme t
u fce t o tt o n a li o nus e rc n .
For t s r s , t Def nda s m otons t dim i s t c ai s pr e e i t
he e ea ons he
e nt '
i
o s s he l m
es nt d n he
Pl i if 'ame d c
antfs
nde ompli a edenid.
ant r
e
r
DO ANDO DE E ic a est a ,lrati2 dyoA r,05
NE
R R D n hmbraMimiFoi ,hs a f pi2 1.
d
l
.
F
Copi pr de t
es ovi d o:
Couns lofRe d
e
cor
CO A. OREN O
I
TED STATES DI
STRI J
CT UDGE
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