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Syed Gauhar and Syeda Gauhar v. Indymac Bank

July 29, 2011


The opinion of the court was delivered by: Honorable Cormac J. Carney, United States District Judge



Michelle Urie N/A Deputy Clerk Court Reporter


None Present None Present


Pro sePlaintiffs Syed Gauhar and Syeda Gauhar filed this second attempt to bring a civil action to set aside the foreclosure sale of their home located at 6432 East Lookout Lane in Anaheim, California.*fn1 Plaintiffs purchased their home on September 14, 2005 with a loan for $580,000 from Defendant Indymac Bank, FSB ("Indymac"). (Compl. ¶ 11; id. Ex. 1.) Plaintiffs appear to allege that the Deed of Trust was subsequently transferred and/or assigned to various other banks between September 2005 and November 2010, including from Defendant Mortgage Electronic Services Systems, Inc. ("MERS") to Defendant OneWest Bank, F.S.B. ("OneWest") and then from OneWest to Deustche Bank National Trust Company ("Deustche Bank"). (Compl. ¶¶ 12--20.) Plaintiffs allege that Defendant MTC Financial, Inc. dba Trustee Corps ("Trustee Corps") did not have authority to conduct a foreclosure sale, but that nevertheless, their home was sold at a trustee's sale on November 16, 2010 to Deustche Bank. (Id. ¶ 22; id. Ex. 8.) Plaintiffs allege that on or about April 26, 2011, Deustche Bank filed an unlawful detainer action against them in the Superior Court of California for the County of Orange. (Id. ¶ 25.)

In order to adequately plead a claim in federal court, Plaintiffs need only allege "a short and plain statement showing that the pleader is entitled to relief," Fed. R. Civ. P. 8(a)(2), to "'give the defendant fair notice of what the .claim his and the grounds upon which it rests.'" Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007). Plaintiffs must allege sufficient facts to show that their claim for relief is "plausible" rather than merely speculative. Id. at 555--56. "A pleading that offers 'labels and conclusions' or a 'formulaic recitation of the elements of a cause of action will not do.'" Ashcroft v. Iqbal, 129 S.Ct. 1937, 1949 (2009) (quoting Twombly, 550 U.S. at 555). Plaintiffs' allegations do not satisfy that standard. As the Court previously noted, Plaintiffs have not alleged a single fact to show that any of the Defendants engaged in any conduct that gives rise to a cause of action under either the federal Truth in Lending Act ("TILA"), 15 U.S.C. § 1639, or the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692. Plaintiffs simply allege that "Defendants' act constitute an infringement of plaintiff's borrowing rights in violation of CFR Title 12, part Section 226-Truth in Lending Act," (Compl. ¶45), or that "on information and belief," Deutsche Bank, OneWest and MERS "did not produce a Proof of Claim compliant with U.S.C. Title 15 Section 1592(g) or U.C.C. Section 3-201," (id. ¶ 50). Plaintiffs' only factual allegations relate to the allegedly invalid transfers and/or assignments of Plaintiffs' Deed of Trust, and the Court cannot determine from these allegations that there is any connection to any obligation of any of the Defendants under TILA or the FDCPA. Plaintiffs' state-law causes of action are similarly devoid of any factual support. For example, Plaintiffs assert a claim for wrongful foreclosure because Defendants "are neither true beneficiaries nor trustees," but Plaintiffs have also attached the recorded Assignment of Trust and Substitution of Trustee documents verifying each of the alleged transfers. (See Compl. Exs. 2--8.) Plaintiffs also make conclusory allegations that Defendants violated California Civil Code Section 2923.5(a) and (b), (Compl. ¶¶ 59--60), and that Defendants violated the California Unfair Competition Law, (id. ¶¶ 72--75). Plaintiffs simply assert that Defendants executed and recorded false and misleading documents or executed and recorded documents without the legal authority to do so, without alleging any facts to show how the documents were false or misleading or why Defendants lacked the legal authority to record those documents. (See id. ¶ 74.) Finally, Plaintiffs have also not alleged sufficient facts to state a claim for fraud. Claims for fraud must be pled with particularity, Fed. R. Civ. P. 9(b), including the "who, what, when, where and how" the allegedly false representations were made. Vess v. Ciba-Geigy Corp. USA, 317 F.3d 1097, 1106 (9th Cir. 2003). Plaintiffs' allegations that they had "numerous communications" with OneWest and Trustee Corps prior to the trustee's sale and that neither defendant disclosed that the Deed of Trust was already assigned to Deutsche Bank, or that they "justifiably relied on the oral and written representations of Indymac written mortgage modification process" fall far short of this standard. (See Compl. ¶¶ 67,69.)

Accordingly, Plaintiffs' complaint is hereby DISMISSED.


MINUTES FORM 11 CIVIL-GEN Initials of ...

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