Berkley v. Midfirst Bank et al
ORDER denying 34 Motion to Alter Judgment. Signed by District Judge Sharion Aycock on 2/3/2017. (dbm)
IN THE UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF MISISSIPPI
CIVIL ACTION NO. 3:15-CV-110-SA-RP
MIDFIRST BANK, and
WILSON AND MASSEY LLC
On May 18, 2016 the Court entered a Final Judgment  and Memorandum Opinion
 granting the Defendant’s Motion for Judgment on the Pleadings . The Plaintiff filed a
Motion to Alter Judgment . The Defendant responded, and the motion is ripe for review.
After reviewing the briefs, pleadings, rules and authority, the Court finds as follows:
Factual and Procedural Background
Bertha Berkley filed a Complaint in the Chancery Court of Desoto County. In that
Complaint, Plaintiff requests declaratory relief, a temporary restraining order, and injunctive
relief. Plaintiff contends that MidFirst Bank failed to convey information required under the
Truth in Lending Act (TILA). She contends she exercised her right to rescind the loan in May of
2015. Plaintiff also claims the Bank violated the Mississippi Consumer Protection Act by
engaging in deceptive and unfair acts and practices. Finally, the Plaintiff requested injunctions to
prevent the foreclosure of her property at 5871 Kentwood Drive, Horn Lake, Mississippi.
Defendant MidFirst Bank removed this action from state court, and after the Court denied
Plaintiff’s request to remand, filed a motion for judgment on the pleadings. The Court granted
that motion and dismissed the case finding that because MidFirst Bank was not “the creditor that
is the new owner or assignee of the debt” at the time the Plaintiff complained of, that MidFirst
Bank complied with its obligations under 15 U.S.C. § 1641(g) and its attendant regulation found
at 12 C.F.R. § 226.39, and that the Plaintiff failed to state a claim under the TILA. The Plaintiff
now asks the Court to reconsider under Federal Rule of Civil Procedure 59.
Motion to Alter Judgment
A Rule 59(e) motion “must clearly establish either manifest error of law or fact or must
present newly discovered evidence and cannot raise issues that could and should have been made
before the judgment issued.” Dey v. State Farm Mut. Auto. Ins. Co., 789 F.3d 629, 634 (5th Cir.
2015) (quoting Homoki v. Conversion Servs., Inc., 717 F.3d 388, 404 (5th Cir. 2013)). “Relief
under Rule 59(e) is also appropriate when there has been an intervening change in the controlling
law.” Naquin v. Elevating Boats, L.L.C., 817 F.3d 235, 240 n. 4 (5th Cir. 2016) (citing Schiller v.
Physicians Res. Grp. Inc., 342 F.3d 563, 567 (5th Cir. 2003)).
The Plaintiff’s motion simply rehashes her previous arguments and fails to address the
substantive findings and legal conclusions of the Court’s previous rulings. In particular the
Plaintiff fails to recognize that MidFirst Bank was not the “new owner” of her debt at the time
she complains of and was therefore not obligated to provide the notice the Plaintiff alleges she
did not receive. See 15 U.S.C. § 1641(g); 12 C.F.R. § 226.39. The Plaintiff also fails to raise any
intervening change in law or other grounds warranting reconsideration. See Naquin, 817 F.3d at
240 n. 4 (stating that Rule 59(e) “motions are not the proper vehicle for rehashing evidence, legal
theories, or arguments that could have been offered or raised before entry of judgment.”)
(quoting Templet v. HydroChem, Inc., 367 F.3d 473, 479 (5th Cir. 2004)).
For these reasons, the Plaintiff’s Motion to Alter Judgment  is DENIED.
SO ORDERED on this the 3rd day of February, 2017.
/s/ Sharion Aycock
UNITED STATES DISTRICT JUDGE
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