Buchanan v. Gandhi

District Court, D. Arizona·Decided May 11, 2023·No. 2:22-cv-01482·Unknown

Opinion

WO

John Clark Buchanan, II, No. CV-22-01482-PHX-SMB

Plaintiff, ORDER

v.

Randhir Gandhi, et al.,

Defendants. Before the Court are multiple motions. Plaintiff John Clark Buchanan II filed his original Complaint on September 1, 2022. (Doc. 1.) Defendants Randhir Gandhi and Select Portfolio Services Inc. (“SPS”) filed a Motion to Dismiss (“MTD”) the original Complaint on September 22, 2022. (Doc. 10.) During the pendency of these motions, Plaintiff filed his First Amended Complaint on October 17, 2022. (Doc. 13). Plaintiff’s original Complaint and all relating responsive motions are therefore inoperative and rendered moot. As such, Defendants Gandhi and SPS’ MTD Plaintiff’s original Complaint is denied as moot. (Doc. 10.) However, the Court grants in part Plaintiff’s “Motion to Extend Time from November 30 for Service & Response to 60 Days Additional, Storms Took Out 14 Trees Up to 3 Feet at Base Blocking Plaintiff’s Driveway, Due to Complexities to Get Rule 4 Waivers Served in Different States, Power Outages, Internet Failures, and Medical Procedures to be Done to Plaintiff Buchanan” (Doc. 15) for the reasons discussed herein. But the Court denies the following pending motions by Plaintiff for the reasons discussed below: (1) “Motion to Strike All Answers and Pleadings of Defendants” (Doc. 14); and (2) “Motion, Letter of Request to Allow Amended Complaint to All Defendants and New Summons Sent to Plaintiff to Perfect and Re-do Rule 4 Process Objection to all pages of Buchalter Motions & Oppositions, et al.” (Doc. 18.) Finally, the Court grants Defendants Gandhi and SPS’ MTD Plaintiff’s First Amended Complaint (Doc. 25), as well as Defendants Buchalter, a Professional Corporation (“Buchalter”), Buzzi L. Shindler, and Stephen F. Best’s MTD Plaintiff’s First Amended Complaint (Doc. 26) for the foregoing reasons. On July 26, 2005, Plaintiff and Bank of America, N.A. (“BANA”) executed a Promissory Note titled “Bank of America Equity Maximizer Agreement and Disclosure Statement” (“Loan Agreement”), which detailed Plaintiff’s $150,000 credit line to purchase the property in question. (See Docs. 25 at 2–3.) Plaintiff agreed to pay the total of all credit advances and the costs and expenses that secured his credit line. (Docs. 9 at 3; 9-1 at 2.) The Promissory Note was secured by a Deed of Trust. (See Doc. 25-1 at 2– 9.) The Deed of Trust was signed by Plaintiff and Theresa Buchanan. (Doc. 25 at 3.) On August 15, 2005, the Deed was recorded in the Pinal County Recorder’s Office as Instrument No. 2005-104177. (Id.) BANA executed a Notice of Substitution of Trustee on August 10, 2016, naming Quality Loan Service Corporation as the Substitute Trustee under the Deed of Trust. (Id.; Doc. 25-1 at 11.) BANA recorded the Notice of Substitution of Trustee with the Pinal County Recorder’s office. (Id.) On December 27, 2019, BANA assigned all interests in the property to the beneficiary through its servicing agent, Defendant Select Portfolio Servicing, Inc. (“SPS”). (Docs. 25 at 3; 25-1 at 13.) Plaintiff made timely payments under the Loan Agreement and corresponding Deed of Trust for nearly eleven years, ceased making regular and timely payments in 2016, and stopped making payments entirely in 2017. (See Doc. 25 at 3.) But specifically, Plaintiff’s Complaint asserts that: Beginning in 2005 and continuing until June, 2016 the plaintiff made timely payments to Bank of America; on time and never missing a payment; until Bank of America several times on a recorded line said, (via their Bank of America Agents) “Stop making payments”. On a recorded line. In January of 2017 it was agreed by Bank of America Agents and I to pay $300 per month during bankruptcy direct to them for HELCO; this lasted until approximately October of 2017, then BANK OF AMERICA agents said approximately 7 times in multiple recorded conversations to stop making payments. So John-Clark: Buchanan II stopped making payments. Plaintiff Buchanan requested payment to stop from BOA in writing and never received anything. (Doc. 13 at 13 ¶ 15.2.) In 2019 SPS informed Plaintiff that he was in default of the Loan Agreement. (Doc. 25 at 4.) On July 31, 2019 a Notice of Trustee’s Sale of the Property was recorded with the Pinal County Recorder. (See id.; Doc. 25-1 at 15–17.) The Trustee’s Sale was continued until September 6, 2022. (Docs. 25 at 4; 25-1 at 19–21.) Plaintiff received notice on June 21, 2022 that the Trustee’s Sale was scheduled for September 6, 2022. (Docs. 13 at 14 ¶ 15.4; 25 at 4.) The Trustee’s Sale occurred on September 6 and title reverted back to the Beneficiary, MEB Loan Trust IV. (Docs. 25 at 4; 25-1 at 25-1 at 23– 26.) MEB Loan Trust IV’s deed conveying title was recorded in the office of the Pinal County Recorder. (Id.) Before the Court now, Plaintiff’s Amended Complaint seeks 25.5 million in damages for non-judicial wrongful foreclosure. (Doc. 13 at 2.) Plaintiff alleges the following causes of action: (1) wrongful disclosure; (2) violation of the Fair Debt Collection Practices Act (“FDCPA”); (3) violation of the Truth in Lending Act (“TILA”); (4) Breach of Contract; (5) violation of the federal trust and lien laws; (6) slander of title; (7) slander of credit; (8) infliction of emotional distress. (Doc. 13 at 18–19.) Defendants filed motions to dismiss all claims. II. LEGAL STANDARD Rule 8 of the Federal Rules of Civil Procedure require complaints to possess “a short and plain statement of the claim showing that [plaintiff] is entitled to relief.” Fed. R. Civ. P. 8(a)(2). Rule 8 also “demands more than an unadorned, the-defendant- unlawfully-harmed-me accusation.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009). “Threadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice.” Id. A complaint must also contain factual allegations that sufficiently support “a claim to relief that is plausible on its face.” Id. at 678 (quoting Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 570 (2007)). Plausible claims are those in which a court can reasonably believe the defendants committed the alleged conduct. Id. “Determining whether a complaint states a plausible claim for relief [is] . . . a context- specific task that requires the [trial] court to draw on its judicial experience and common sense.” Id. at 679. On a motion to dismiss for failure to state a claim, a pro se plaintiff’s pleadings are construed liberally. Thompson v. Davis, 295 F.3d 890, 895 (9th Cir. 2002). Pro se plaintiffs, although subject to less stringent pleading standards, still may not support a cause of action with conclusory and vague allegations. Ivey v. Bd. of Regents of the Univ. of Alaska, 673 F.2d 266, 268 (9th Cir. 1982); see also Sprewell v. Golden State Warriors, 266 F.3d 979, 988 (9th Cir. 2001) (the Court is not “required to accept as true allegations that are merely conclusory, unwarranted deductions of fact, or unreasonable inferences”). If essential elements of a claim were not pled, a Court’s liberal interpretation of the pleadings cannot cure the deficiencies. Ivey, 673 F.2d at 988. A. Plaintiff’s Motion to Amend and Mail First Amended Complaint and Summons Plaintiff filed his Amended Complaint on October 17, 2022. Seven days later, Pl

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