Craddock et al v. Beneficial Mortgage Company Of Virginia et al

Filing 26

MEMORANDUM OPINION. Signed by District Judge Glen E. Conrad on 09/04/2014. (ssm)

CLEM S OFFI U. DI . (
CE S. ST C
AT ROANOKE,
VA
FI
LED

I TH E U N I
N
TED STA TES D I
STRI COU RT
CT
FO R TH E W ESTERN D I
STRI O F V I GI I
CT
R N A
ROA N OK E D I I ON
V SI

SE? li *vV
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JUL / : .5 ,
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BY: ..y
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M I A EL C.CRAD D O CK , ta .
CH
e l,

Ci lAc i No. 1 CVvi ton
7: 4- 00093
Pt i if
a ntf s,
M EM O R AN DU M O PIN IO N

BENEFI AL Fm AN CI 1 l ,
CI
AL , NC.

By: on.G l n E.Conr d
H
e
a
Chi fUnied St t DititJ e
e
t
aes src udg

Def nda .
e nt

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s te s es ty f e he our n he to o s s ie
f ndan
t

Be i ilFi nca 1 l (s nei a' .Fo t f l ngras ,t motonwilbegrntd.
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Be
)
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Fac ua and Proc dur B a
t l
e al ckzr
ound

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Loan'
)
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osi n w te, r ni t s opery'
)
d
us t ul
Com pl Ex. ECF 8's a s Loa Agr e e , f' M o . s s Ex.1,
. B,
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e m nt De .s t Dimis
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2. antfs
-

t obai dahomeequiy lneofce t(heS
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t i
rdi t C
HELOC' fom Be fca onAugus 27,2004,
'r
)
neiil
t
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, e lo
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tD s s
2,

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ar
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fiur t stsyRul 9( )
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none he e sbare by t sa ut oflm ia i .I af der ldi r iy ac i sa e1 w go m s
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V igi a k ve y a to f rda
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e
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a trt c us ofa tonac nz . VA.
fe he a e ci c es'
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0l243( .Thi wo- ar i ttons
pe i a i whe alege fa e mir pr e a i a em a i i t t conve nce
rod pples n l d r udul nt s e es nt tons r de ncdent o he
ya

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e ope t e g. cot
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.
1
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i ttons o se e e ai e r ng he ng d a e ope t .
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us
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c pton,
nfue e s s ove ed
he xe c s
lgenc ea ona y houl

bed s o rd. VA.
ic vee '
' CODEANN. 8012 4) Ato a a g me t Mr Cr d o ka mi e t
j . -49 1. rl r u n , . a d c d t d o
t
s gni t Loa A g ee e on J y 23,
i ng he n r m nt ul
2003 and t H ELOC A gr em e on A ugus 27,2004.
he
e nt
t

Thos ag e m e sc e ry sa et a ia ei e es r t ,s Pli tfse t rkne o s d
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ve
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ul
nd
t 2006,
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es tvey. ai if al d o 5e her ompl i untlJ nua y 9,201 ove s ve ye r afe
ant i a r
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t sa u eoflm ia i e r d,s t rc e mus bedim is d. Se Br t 637F. a 506
he t t t
i ttons xpie o hei as
t
s se
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(ttngt a t ec u t ho l ga tad fn a tsmoint ds s û e t ef c o t
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wh
c pl i c e ry r al t exi t nc ofa m e iorous a fnna i def ns ' s h a t sa ut
om a nt l a l eve s he s e e
rt i
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oflmiai )
i ttons.
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n e hi hi cii t our m
i e ha s ue
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Thus t c tsdec sonr ga di t s tcinc a tmelnes oft fa cli ss tf ' i
, he our'
ii e r ng he ufi e y nd i i s he r ud am e olh n
t
Pl ntf s com pl i ha no be r ng on a f e os e pr ee ngsr a i t t Pr ry.
ai i f '
a nt s
ai
ny or cl ur oc di
el tng o he ope t
Concl on
usi

Fort r s sa e D e e nt 'm o i t di m i s i gr nt d. The o s a i
he ea ons t t d, f nda s ton o s s s a e
ut t nd ng

dic r m otonsi t sca e a et r or a s dim is a moot TheClr i die t d t
s ove y
i n hi s r he ef e lo s s ed s
.
ek s rce o
s nd c rii c e oft sm e a um opi on a t a compa ng or rt t pli if
e e tfed opi s hi mor nd
ni nd he c
nyi
de o he antf
a al eouns ofr eor
nd l
el e d.

ENTER

-

:T i V N dyo Spe e, 04
hs
a f etmbr2 1 .

Chi U nie St t D i ti tJ
ef t d a es s r c udge

6