Keith T. Dennis v. Quicken Loans, Inc.

• Court: Supreme Court of Rhode Island
• Decided: September 25, 2014
• Docket: 13-268
• Status: Unpublished

Opinion

Supreme Court

No. 2013-268-Appeal.

Keith T. Dennis et al. :

v. :

Quicken Loans, Inc., et al. :

ORDER

The plaintiffs appeal from a Superior Court summary judgment, in favor of the

defendants, Mortgage Electronic Registration Systems, Inc. (MERS) and OneWest Bank. This

case came before the Court at a session in conference pursuant to Article I, Rule 12A(3)(b) of the

Supreme Court Rules of Appellate Procedure. The plaintiffs raise several issues challenging the

validity of the foreclosure sale of their property. At this time, we proceed to decide this case

without further briefing and argument.

We review the granting of a motion for summary judgment de novo, viewing the

evidence in the light most favorable to the nonmoving party. Moura v. Mortgage Electronic

Registration Systems, Inc., 90 A.3d 852, 855 (R.I. 2014). We will affirm the judgment if there

are no genuine issues of material fact and the moving party is entitled to judgment as a matter of

law. Id. “[T]he burden is on the nonmoving party to produce competent evidence that ‘prove[s]

the existence of a disputed issue of material fact[.]’” Id. at 856 (quoting Sullo v. Greenberg, 68

A.3d 404, 407 (R.I. 2013)). “[T]he nonmoving party * * * cannot rest upon mere allegations or

denials in the pleadings, mere conclusions or mere legal opinions.” Id. (quoting Mruk v.

Mortgage Electronic Registration Systems, Inc., 82 A.3d 527, 532 (R.I. 2013)).

1 In this matter, the plaintiffs have failed to submit competent evidence demonstrating

issues of material fact. Further, we disagree with the plaintiffs’ contention that the trial justice

engaged in fact finding as to several issues. What the trial justice did find was an absence of

genuine issues with respect to each of the appellants’ claims.

The plaintiffs further contend that MERS’s status as nominee of the lender is not a

recognized estate under Rhode Island Law, that MERS did not have authority to assign the

mortgage, that the assignments were void because the mortgage and note were not united, and

that the foreclosure was void for the same reason. We rejected similar arguments in Bucci v.

Lehman Brothers Bank, FSB, 68 A.3d 1069 (R.I. 2013) and Mruk v. Mortgage Electronic

Registration Systems, Inc., 82 A.3d 527 (R.I. 2013), and find these cases to be controlling here.

The plaintiffs also claim that an affidavit presented in support of the summary judgment

motion was inadmissible. A similar contention was raised and rejected by this Court in Moura v.

Mortgage Electronic Registration Systems, Inc., 90 A.3d 852 (R.I. 2014), and we find no reason

to deviate from our decision in that case.

Accordingly, the plaintiffs’ appeal is denied and dismissed.

Entered as an Order of this Court on this 25th day of September, 2014.

By Order,

/s/ Clerk

2 RHODE ISLAND SUPREME COURT CLERK’S OFFICE

Clerk’s Office Order/Opinion Cover Sheet

TITLE OF CASE: Keith T. Dennis et al. v. Quicken Loans, Inc., et al.

CASE NO: No. 2013-268-Appeal.

COURT: Supreme Court

DATE ORDER FILED: September 25, 2014

JUSTICES: Suttell, C.J., Goldberg, Flaherty, Robinson, and Indeglia, JJ.

WRITTEN BY: N/A – Court Order

SOURCE OF APPEAL: Kent County Superior Court

JUDGE FROM LOWER COURT:

Associate Justice Bennett R. Gallo

ATTORNEYS ON APPEAL:

For Plaintiffs: George E. Babcock, Esq.

For Defendants: Paul J. Bogosian, Jr., Esq.