Payette Fin., Servs., L.L.C. v. Mtge. Electronic Registration Sys., Inc.

2020 Ohio 5055
CourtOhio Court of Appeals
DecidedOctober 26, 2020
Docket2020-P-0010
StatusPublished

This text of 2020 Ohio 5055 (Payette Fin., Servs., L.L.C. v. Mtge. Electronic Registration Sys., Inc.) is published on Counsel Stack Legal Research, covering Ohio Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Payette Fin., Servs., L.L.C. v. Mtge. Electronic Registration Sys., Inc., 2020 Ohio 5055 (Ohio Ct. App. 2020).

Opinion

[Cite as Payette Fin., Servs., L.L.C. v. Mtge. Electronic Registration Sys., Inc., 2020-Ohio-5055.]

IN THE COURT OF APPEALS

ELEVENTH APPELLATE DISTRICT

PORTAGE COUNTY, OHIO

PAYETTE FINANCIAL SERVICES, LLC, : OPINION

Plaintiff, : CASE NO. 2020-P-0010

- vs - :

MORTGAGE ELECTRONIC : REGISTRATION SYSTEMS, INC., ACTING SOLELY AS NOMINEE FOR : MB FINANCIAL BANK, N.A., et al., : Defendants-Third Party Plaintiffs-Appellants/ : Cross-Appellees, : DAVID GRAY, et al., : Third Party Defendants- Appellees/Cross-Appellants. :

Civil Appeal from the Portage County Court of Common Pleas, Case No. 2016 CV 00969.

Judgment: Affirmed.

Kerin Lyn Kaminski and Kathleen A. Nitschke, Giffen & Kaminski, LLC, 1300 East Ninth Street, Suite 1600, Cleveland, Ohio 44114 (For Defendants-Third Party Plaintiffs- Appellants/Cross-Appellees).

Jeffrey Mark Levinson, Levinson LLP, 55 Public Square, Suite 1750, Cleveland, Ohio 44113 (For Third Party Defendants-Appellees/Cross-Appellants).

MARY JANE TRAPP, J. {¶1} Cross-appellants, David and Shelly Gray (collectively, “the Grays”), appeal

from the judgments of the Portage County Court of Common Pleas, which adopted the

magistrate’s decision and overruled their objections, finding that while the Grays asserted

a “vague” affirmative defense of release in their answer to the Third Party Complaint, they

did not assert a “counterclaim of any kind” that “meets the requirements of the Ohio Rules

of Civil Procedure as a properly pleaded claim for damages” for breach of contract.

{¶2} In the Grays’ sole assignment of error, they argue that the trial court erred

in failing to find that they asserted a valid breach of contract claim via an affirmative

defense because the cross-appellees, Douglas and Kristine Ritzel (collectively, “the

Ritzels”), commenced and prosecuted third party claims against them in direct

contravention of the parties’ earlier mutual release, thus entitling the Grays to damages.

They further assert the trial court erred in failing to find the issue was tried by implied

consent pursuant to Civ.R. 15(B) after the Ritzels made a motion to amend their pleadings

to conform to the evidence.

{¶3} A review of the record and pertinent law reveals the Grays only asserted a

breach of the mutual release as an affirmative defense and did not file a counterclaim or

a motion for leave to amend. There is sparse testimony by Mr. Gray regarding the costs

they incurred from the underlying litigation as a result of the alleged breach. Further,

objections were made to this line of questioning, which were sustained. Moreover, to find

a breach of contract claim was impliedly tried by consent would cause a substantial

prejudice to the Ritzels.

{¶4} Thus, the judgment of the Portage County Court of Common Pleas is

affirmed.

2 Substantive and Procedural Facts

{¶5} This case arises from a foreclosure action in which the Ritzels were the

defendants/third-party plaintiffs along with their lender and co-defendant/third-party

plaintiff, MB Financial Bank, N.A. (“MBFinancial”), and the Grays were third-party

defendants.

{¶6} In 2011, the Ritzels entered into a lease with an option to purchase with the

Grays for the subject residential property. In 2015, the Ritzels signed a purchase

agreement for the property. At the time the purchase agreement was executed, three

mortgages encumbered the property – two held by Wells Fargo and a third originally held

by Lake National Bank. It was alleged that Payette Financial Services, LLC (“Payette”)

subsequently acquired a participation interest in that third note and mortgage (the

“Payette mortgage”).

{¶7} At closing, the Wells Fargo liens were satisfied from the sale proceeds

funded by MBFinancial. Neither the Ritzels nor MBFinancial discovered, nor did the

Grays disclose, the third mortgage prior to the closing of the sale of the property

{¶8} To further complicate matters, after the purchase agreement was executed,

but before closing, the relationship between the Ritzels and the Grays grew tumultuous –

culminating in the Grays filing an eviction action. The Grays alleged non-payment of

amounts due under the lease agreement, and the Ritzels filed a counterclaim for specific

performance and money damages. The parties eventually signed a confidential

settlement agreement and mutual release – the subject of this appeal – and dismissed

the eviction action.

3 {¶9} The Ritzels then completed the purchase, and the Grays delivered a

general warranty deed. Later, having been unable to collect against the Grays, Payette

brought its foreclosure action, asserting its lien against the Ritzels’ residence as first in

priority when it discovered the property had been sold to the Ritzels.

{¶10} In the foreclosure action, MBFinancial and the Ritzels filed amended third-

party claims against the Grays for breach of warranty deed, fraudulent misrepresentation,

and unjust enrichment. In turn, the Grays filed an amended answer denying the

allegations and raising various affirmative defenses, including a defense that “the claims

against the Grays contained in the Third-Party Complaint were released.” In their prayer

for relief, the Grays requested the court to “enter judgment in favor of the Grays on the

Third-Party Complaint as to each and every Count therein, assessing any costs of this

litigation against the Defendants and grant the Grays such further and additional relief as

is just.” There were no further amendments to the pleadings.

{¶11} After a lengthy discovery phase, which included, by the parties’ stipulation,

the filing of the mutual release from the eviction action into the record of the foreclosure

action, a three-day trial was held before a magistrate.

Trial Testimony and the Grays’ Claims

{¶12} Counsel for the Grays concluded his opening statement by stating: “At the

end of this case, the Grays, who are the parties least able to afford this expense, will ask

the Court for an award that the Defendants pay the costs the Grays incurred in this

meritless litigation due to their breach of the contract of the mutual release.”

{¶13} Mr. Gray testified briefly as to the mutual release:

4 {¶14} “Q. So once you saw this mutual release in the closing documents, did you

expect to be done with the Ritzels forever?

{¶15} “A. Absolutely.

{¶16} “Q. Did you think we would be here today?

{¶17} “A. No.

{¶18} “Q. Would you please read aloud the mutual release paragraph of this

document found on Page 2 at 1.0, starting with mutual releases?

{¶19} “A. Mutual releases. Each party, including their respective families,

assignees, agents, heirs, beneficiaries, fiduciaries, representatives, insurers, successors,

and assigns, exchange for the other party’s promises and covenants and for all other

good and valuable consideration, the sufficiency of which are acknowledged, irrevocably

and non-conditionally release, acquits, and forever discharges the other party from any

and all claims, demands, costs, expenses, and cause of action of any kind or description

whatsoever whether known or unknown, vested or contingent, legal or equitable, that

each has or might have against the other relating to or arising out of subject matter of

litigation to lease the purchase agreement, from the beginning of time until the date the

agreement is fully executed.

{¶20} “Q. It’s pretty comprehensive; isn’t it?

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2020 Ohio 5055, Counsel Stack Legal Research, https://law.counselstack.com/opinion/payette-fin-servs-llc-v-mtge-electronic-registration-sys-inc-ohioctapp-2020.