Taylor et al v. Bank Of America et al

Filing 19

MEMORANDUM OPINION. Signed by Judge Samuel G. Wilson on 3/13/2012. (rkc)

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FOR THEWESAN O KDITRI OFVI NI
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M EM O R AN DU M O PI I N
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BA N K O F A M ER ICA , al,
et .
D ef
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By:Sam uelG .W is
l on
U nied St es D i ri Judge
t
at
st ct

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s s n ci
he ai if, e r nd br yl r gans he ef nda s nk
ofAme ia a f ot re ii , orda a sa lge y se mi f o t de e nt '
rc nd our he nttes f
m ge le dl tm ng r m he f nda s
c
onduc dtrngBa ofAme i a' f e l ur o t Ta or 'home.TheTa or fl dt
t li
nk
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yl s ie he
a ton i t Vigi a Cic tCour f Aleg ny Co y, hede e nt r m ove i o t ba i
c i n he r ni r ui
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f e ea q e to u idito , n h te s u rn l eo e he o r o h yo s
m oto t r ma TheTa or c e t tt i c
i n o e nd.
yl s ontnd ha her ompli pr vi no bassf f de al
ant o des
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j s ito a dta tec u t h udrma dtea t nt saec ur a da r atr e sfe
midcin n h t h o r s o l e n h ci o tt o t n wa d to n y' e s
o
purua t 28U. C.j1 c ( 6) Thedee nt rs t tt Ta or co anti a
s nt o
S.
447() 200 .
fnda s e pond ha he yl s' mpli s
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hi y ie te
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is e W hi t ed fnd n s rmo a o t sa to wa n to j ci l u r a o bea d e
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ant f r

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o la a i o e e a j rs ito n l teeo e e n he cin o tt o r.

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yl s ie hi c i n t t our a l r nk
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oc ed ngs he
or '
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fna a i e i f m o t ge s r c r t as ithome
i ncil nc ntves or rga e vie s o ss
owne sby modiyi t t r of
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f ng he e ms
e i bl l ns The Ta o salege t tr t rt n m odiyi t i l n,t de e nt a t d i
lgi e oa .
yl r l ha a he ha
f ng he r oa he f nda s c e n

c e t o de n e de i ,de r
onc r t f m , ceve faud,mii onn, r s ,i i i t ,sa ,a humiit t m ,
snf
ha a s ntm da e lnder nd
la e he
whiealo i e i l i lc i e oto dite sand f lngt c
l s ntntonaly nfitng m i nal sr s
aii o ompl wih ade d oftu t
y t
e
r s.
Conf undi t s sa e l w a lga i a et c
o ng he e t t -a le tons r he ompli ' s ve a i t r pe s d r e e est t
a nts e r l n e s r e ef r nc o he
f de a H A M P r ul tons
e rl
eg a i .

TheTa or 'c
yl s ompl i r c z sisown a bi t .C ca eoftm econsr i s
ant e ogni e t
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cn i wag a ns t by ghedee nt)a s ac or ngl rs r t rg t s e
mpagn ed gai t hem t fnda s nd o c di y e eve he iht o e k

la et a n t i Co an t moef l d s rb t ( ee d n s c n u t. ( mp . ,
e v o me d hs mplit o r ul e cie he d fn a t' o d cj' Co l 7
y
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E. F. - . F c dwi t a c mplitt ed fnd n scame fd r l u idcinaii t e
C. 9 1) a e t h t o an ,h ee a t li d e e a j rs ito rsng md r
h
H AM P a tl d a no i ofr m ova o J nua y 11, 2.
nd i e
tce e
ln a r
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1l.

Thedef nda sa g t t sa to i i f c a a tm ptt enf c HAM P gui i s
e nt r ue hat hi ci n s n a t n te
o or e
delne ,
or i t atm ai t tt Tayl s sat-a cli sde ndupon t r ol to ofa
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or ' t e l w am
pe
he es u i n
s t ntalquesi n o f de all w . The c ttnds t tt f ce oft c pl i ,e voc a i
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to f e r a
our i
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i,ofe sno slebassf eiheroft ec l i ns
s fr
tr
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e r l e va tt e lo
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a to i o eo e wh c th dititc u t o t eUntdS ae ha eo i ia j s i o ' 28
ci n s n v r ih û e sre o rs f h ie tts v rgn l middin.
t
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U. C.j1 () Fe r lditi c t t veo ii lurs itonofa1cvi a to mii
S. 441a . dea srd ours d
ha rgna j idci
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unde t Cons im i l w s ortea i soft Unie St t . 28 U . C . j1
r he
tt on, a , r te
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t tf r l1 w c e t t c us of a ton o t tt pl i if sr g t r le ne s a iy
ha ede a a r a es he a e
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de ndso r ol i ofas t nta quesi off e a l w.1 EmpieHe t ho c
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Asurnc .l v. c gh,547U. 677,689 (
s a e nc. M vei
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quotng a hie x.

Co t. bo esVa ainTnzt46 U. 1 2 - ( 9 3 )(nena q o ai nmakso te )
nsr La r r c to
s, 3 S. , 7 28 1 8 ) it r l u tto r mitd .
û ag nea r l, b e tdv riyj rs ito ac s wil o b rmo a l i tec mpan
t
As e rl ue a s n ie st u idcin, ae ln t e e v be f h o lit
do notafima i y a lge af der lcli .'Be fca Na ' Ba v.
es
fr tvel le
e a am ' ne i il tl nk Ande s 5 U. 1,
r on, 39 S. 6

(00 )
2 3.
W he ac
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ant s
guous do sa utt pr it ofr m o ls d be
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r s l di fv ro saec u tl id cin.S eM uc h yv. lmbi Or a i Ch ms Co,
e ove n a o f tt o r jz s it
r
o e la e Cou a z nc e . .29
F.d 1 , 51( t Ci. 99 ) Ma s al M a vleSae Cop.6F.d2 , 3 ( t Ci.1 9 )
3 48 1 4h r 1 4 ; rh lv. n il ls r , 3 29 2 2 4h r 9 3 .
And whe t gr mdsf r m ova Aa eobs ur d oromit d,ori e misa e t t
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or e
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v m Ge M t r, 21 3 6 , 6 4h r 9 7 i en l u tto r s mitd
n
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dic sng
S.
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,t tt e es
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ecude fnda s r

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e v n a e ee h i ic v r f h r u d f e ea j rs ito s eae e a s
f c sdicl i t egr
a t s osng hos oundswe ei de t l ormit nl sa e i t compl n .'I
r na qua ey
sake y t t d n he
ait' d.
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t hos e pt n nd, he ur i ha e nd s ppr i t
f ns

ha ermo e t i a to t fd r l o r go n e s ll o fd r l u sinj s i o aiig
v e v d h s cin o e e a e u t r u d d oey n e ea q e to middin rsn
1HAM P doesnotcrat aprvaerghtofa i f bo r r agans lnde s See e. . own v.W els
e e i t i
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l

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Ta o s c a m sw oul r uie a c t o r y on f de a 1 w ore n r ogni ise s e e. I
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e
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ri
ankln pial
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S. 32, 41 2005 . t gh srct ours t n hi
cic tha r peaedl r m a
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t r ui
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t ns e he s i
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t a saelw camsr frn igHAM P etbihf d r l u si nj rs ito I t a s n eo
h t tt-a li eee cn
sa ls e e a q e to u idcin. n he b e c f
con lngpr c de t a gi n t c
koli
e e n , nd ve he ompl i ' s l- dmit d a g t t c tdoe notfnd
ants efa te mbi uiy, he our
s
i

rmo a t h v b e o j ci l u r ao a e Se . ..Hitnv. el Fa g Bn k, No
e v l o a e e n be t y n e s n bl. e eg, no W ls r o n NA, .
ve
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t 7, 1 .
t l hee oe en
t Ta o s m o i f a t ne sf s
he yl r ' ton or tor y' ee .

Fort r s s a e t c t ilgr ntt Ta or 'm oton t r m a a de t i
he ea ons t t d, he our w l a he yl s
i o e nd nd ny he r
m oton f a t ne s f .
i or tor y' ees
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