Bank of America National Ass'n v. Derisme

743 F. Supp. 2d 93, 2010 U.S. Dist. LEXIS 81789, 2010 WL 4135826
CourtDistrict Court, D. Connecticut
DecidedAugust 10, 2010
Docket3:10cv785 (MRK)
StatusPublished
Cited by9 cases

This text of 743 F. Supp. 2d 93 (Bank of America National Ass'n v. Derisme) is published on Counsel Stack Legal Research, covering District Court, D. Connecticut primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Bank of America National Ass'n v. Derisme, 743 F. Supp. 2d 93, 2010 U.S. Dist. LEXIS 81789, 2010 WL 4135826 (D. Conn. 2010).

Opinion

RULING AND ORDER

MARK R. KRAVITZ, District Judge.

This is the first of two mortgage foreclosure actions that the pro se Defendant has attempted to remove from the Connecticut Superior Court to this Court. See Bank of America Nat’l Ass’n v. Derisme, No. 3:10cv900 (MRK) (D. Conn, filed June 8, 2010). 1 Fabiola Derisme was Defendant’s legal name when she signed the mortgage agreement at issue in this case. Before this case was filed in the Connecticut Superior Court, Defendant changed her name to Fabiola Is Ra El Bey upon joining the Moorish Science Temple, a heterodox Islamic sect founded in 1913 by prophet Noble Drew Ali. See United States v. James, 328 F.3d 953, 954 (7th Cir.2003). 2 *95 Out of respect for Defendant’s religious beliefs, the Court refers to her throughout this Ruling and Order as Fabiola Is Ra El Bey.

On May 19, 2010, Fabiola Is Ra El Bey filed a Petition of Removal [doc. # 1] purporting to remove this foreclosure action from the Connecticut Superior Court to the United States District Court for the District of Connecticut. Plaintiff Bank of America National Association (“Bank of America”) filed its Motion for Remand [doc. # 8] on June 18, 2010. For the reasons set forth below, Bank of America’s Motion for Remand [doc. # 8] is GRANTED. Fabiola Is Ra El Bey’s Motion for Leave to Proceed In Forma Pauperis [doc. # 3] is also DENIED as moot.

I.

The following facts are taken from Fabiola Is Ra El Bey’s Petition of Removal and from the various documents attached to that Petition. This Court ordinarily assumes the parties’ familiarity with the facts, and sets forth only those facts that are necessary for resolution of a pending motion. See, e.g., Silvera v. Conn. Dep’t of Corrs., 726 F.Supp.2d 183, 186-87, 2010 WL 2232471, at *2 (D.Conn. May 27, 2010). However, in this Ruling and Order the Court sets forth the facts in greater detail, both because Fabiola Is Ra El Bey has submitted a bewildering amount of material for the Court to review and because neither Fabiola Is Ra El Bey nor Bank of America has provided the Court with an adequate summary of the facts.

This case concerns a mortgage on property located at 85 Westport Road in Easton, Connecticut. On July 24, 2006, Fabiola Is Ra El Bey signed a note promising to pay SunTrust Mortgage, Inc. (“Sun-Trust”) $372,000.00 in exchange for a loan. See Ex. Pt. A to Pet. of Removal [doc. # 1-3] at 2-4. In the note, she promised to pay $2,633.00 to SunTrust — or to anyone who took the note from SunTrust by transfer — on the first day of each month until the loan was fully repaid. See id. The same day, she signed an instrument conveying the 85 Westport Road property to SunTrust’s nominee, Mortgage Electronic Registration Systems, Inc. (“MERS”), as security for repayment of the note. See id. at 6-21.

A conflict arose between Fabiola Is Ra El Bey and SunTrust sometime in early 2009. On April 20, 2009, she wrote a letter to SunTrust. See App. Attach. Pt. B to Pet. of Removal [doc. # 1-2] at 50. In the letter, she identified herself as “Fabiola Derisme inhabitant located in Fairfield County, Connecticut Republic being natural flesh and blood Woman of the American Republic Nation,” and wrote:

In light of careful examination of the mortgage documents given to me on 24th July 2006, I do now hereby serve NOTICE to cancel [the mortgage]. This notice is being given based on the fact that you failed to fully disclose as required by the Trust-in-Lending Act.... I was not informed that my signature created the funds and that said funds were never in existence prior to 24th July 2006.... Further, I was not informed that I was signing an illegal contract.

Id. 3 She sent three additional documents to SunTrust on April 24, 2009: a “Notice of *96 Removal” which purported to “remov[e] and terminat[e] [SunTrust and MERS] from any/all duties and forever bar[]/es-top[] the aforesaid from any further appointments or assignments originally granted or contained within the Mortgage Deeds concerned herein” — that is, to prevent SunTrust and MERS from transferring the note, id. at 5-6; a “Notice of Revocation of Power of Attorney” stating that “due to the discovery of various elements of fraud, fraudulent inducement, fraudulent misrepresentation, entrapment, and nondisclosure resulting in the deprivation of our property ... [I] hereby revoke, rescind, and terminate all my signatures relating to any/all said deeds, notes, and agreements from their inception,” id. at 9; and a “2nd Notice of Right to Cancel” offering to release SunTrust from liability for its allegedly wrongful actions if Sun-Trust agreed to forgive the full amount of the loan. Id. at 51-52.

Fabiola Is Ra El Bey’s effort to unilaterally terminate her three-year-old loan agreement with SunTrust was unsuccessful. On May 6, 2009, SunTrust sent a notice to her informing her that she was in default on the loan and owed SunTrust $14,326.87. See Ex. Pt. A to Pet. of Removal [doc. # 1-3] at 23-24. In the notice, SunTrust informed Fabiola Is Ra El Bey that if she did not pay the total amount due within thirty days, SunTrust would accelerate the entire balance of her loan and institute foreclosure proceedings. See id. SunTrust also informed her of her right to bring a court action at any time to assert the non-existence of default or any other defense to the acceleration of the balance and the sale of her property. See id.

After she received the notice of default from SunTrust, Fabiola Is Ra El Bey sent a “Request for Accounting” to SunTrust. See App. Attach. Pt. B to Pet. of Removal [doc. # 1-2] at 22. The request stated as follows:

To date, I have not received a response from SUNTRUST regarding my notices. Instead, SUNTRUST sent me a letter of default for a loan I have not received, and a loan that SUNTRUST WAS not authorized to offer. In addition, SUN-TRUST entered into fraudulent and illegal contracts with me, contracts I was not aware of at the time as being such____ In response to SUNTRUST’s fraudulent BREACH LETTER and illegal and fraudulent collection effort, please take Notice that FABIOLA DERISME, needs the information set forth in this Request before she or her Authorized Representative can make an Offer to Settle this Account.

Id. at 22-23. The request then set forth a list of forty-nine questions for SunTrust to answer, and concluded: “Upon failure or refusal ... to comply with this legal Request for Accounting ... SUNTRUST MORTGAGE agrees to waive all claims against the debtor named herein....” Id. at 27. Ms. Is Ra El Bey signed the request: “Without Prejudice, Under Reserve Fabiola: Derisme, Secured Party/Creditor and Authorized Representative to FABIOLA DERISME.” Id.

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Bluebook (online)
743 F. Supp. 2d 93, 2010 U.S. Dist. LEXIS 81789, 2010 WL 4135826, Counsel Stack Legal Research, https://law.counselstack.com/opinion/bank-of-america-national-assn-v-derisme-ctd-2010.