Tripathi v. Tesconi CA1/3

California Court of Appeal·Decided July 29, 2026·No. A172456·Unpublished

Opinion

Filed 7/29/26 Tripathi v. Tesconi CA1/3 NOT TO BE PUBLISHED IN OFFICIAL REPORTS California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or ordered published, except as specified by rule 8.1115(b). This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

FIRST APPELLATE DISTRICT

DIVISION THREE

ASHISH TRIPATHI, Plaintiff and Respondent, A172456 v. RAYMOND TESCONI, (Alameda County Super. Ct. No. 24CV078303) Defendant and Appellant.

Defendant Raymond Tesconi appeals from the trial court’s order granting plaintiff Ashish Tripathi’s unopposed motion for summary judgment. Tesconi argues the shortened briefing schedule prevented him from opposing the motion, and Tripathi failed to establish the required elements for his unlawful detainer claim. Tesconi further contends the court erred in denying his motion for a stay of the dispute while his wrongful foreclosure civil action was proceeding. We are not persuaded and affirm. BACKGROUND Tesconi owned and resided at the subject property for nearly 30 years. He financed the property through two loans: a primary loan held by Wells Fargo Bank, N.A.; and a junior loan (a loan that sits behind a primary loan in repayment priority) held by Dark Run Ventures, Inc. (DRV). In 2018, Tesconi recorded the deed of trust securing DRV’s junior loan (loan). Only that loan is at issue in this appeal. 1 In January 2023, approximately three months before the loan matured, Mortgage Lender Services, Inc. (MLS), acting as trustee under the deed of trust, initiated nonjudicial foreclosure based on failure to pay the mortgage by recording a notice of default election to sell under deed of trust. Tesconi disputed the default and asserted he had financing available to satisfy the loan, but the foreclosure proceeded. MLS later recorded a notice of trustee’s sale. Following several postponements, the trustee’s sale occurred on April 2, 2024. Tripathi attended the sale and successfully submitted the highest bid, and the foreclosure sale was subsequently deemed final pursuant to Civil Code section 2924m, subdivision (c)(4) (all further statutory references are to the Civil Code unless otherwise noted). All further dates are in 2024. Wrongful Foreclosure Action On April 16, Tesconi filed a wrongful foreclosure complaint against DRV, its owner, and MLS, alleging causes of action for wrongful foreclosure, quiet title, misrepresentation, constructive fraud, financial elder abuse, conversion, monies had and received, breach of fiduciary duty, intentional infliction of emotional distress, and declaratory relief. The complaint principally challenged DRV’s conduct leading up to the foreclosure. Among other things, Tesconi alleged that while he was undergoing cancer treatment, DRV required him to execute a settlement document, improperly advanced funds on the primary loan, charged unauthorized interest, refused to provide an accurate payoff demand, and otherwise prevented him from paying off the junior loan. As to the foreclosure sale itself, the complaint alleged only that defendants refused to postpone the sale and that the property may have been sold to insiders because the purchase price was below market value.

2 On May 10, Tesconi recorded a notice of pendency of action (lis pendens) concerning the property. The notice stated that Tesconi filed an action against DRV, its owner, and MLS that “alleges a real property claim affecting” the subject property. On June 7, Tesconi filed a Doe amendment to his wrongful foreclosure action, adding Tripathi as a defendant. Unlawful Detainer Action On May 22, MLS confirmed the trustee’s sale to Tripathi had become final. MLS provided Tripathi an executed “Trustee’s Deed Upon Sale,” which he recorded on May 24. Tripathi thereafter served Tesconi with notices to quit. Although the record reflects an initial notice served on May 24, Tripathi served a second three-day notice to quit on May 30. Tesconi did not leave. Tripathi filed an unlawful detainer action on June 4. The complaint alleged that Tesconi refused to surrender possession even though Tripathi had acquired the property through a “properly noticed and conducted non- judicial foreclosure sale,” perfected title by recording the Trustee’s Deed Upon Sale, and served Tesconi with a three-day notice to quit. Tesconi’s answer alleged various affirmative defenses, including that the sale was subject to recissions and the Trustee’s Deed Upon Sale voidable because “the lender, prior to foreclosure, violated salient portions of the Homeowners’ Bill of Rights.” Motion To Stay Tesconi moved to stay the unlawful detainer action pending resolution of the wrongful foreclosure case. He argued the separate action presented title issues that could not fairly be resolved within the summary unlawful detainer proceeding. In a supporting declaration, Tesconi asserted he had attempted to repay the loan, that DRV pursued foreclosure while he was

3 recovering from a stroke, and that Tripathi acted as a straw purchaser in a scheme to acquire the property below market value. In opposition, Tripathi argued the wrongful foreclosure action challenged only DRV’s preforeclosure conduct and did not raise issues concerning the statutory validity of the trustee’s sale and compliance with section 2924. The trial court denied the motion. It reasoned that a stay is not warranted merely because a defendant challenges title in a separate action, as such a rule would effectively halt most postforeclosure unlawful detainer proceedings. The court noted Tesconi cited no authority requiring or even supporting a stay under these circumstances, and the authorities he relied upon were distinguishable. The court emphasized Tesconi did not directly challenge the postforeclosure trustee’s sale procedures (i.e., the trustee’s sale failed to comply with section 2924 et seq.) but instead alleged that the lender’s preforeclosure violations of the Homeowner Bill of Rights rendered the sale voidable. Because plaintiff’s verified complaint alleged compliance with the statutory foreclosure scheme and the attached Trustee’s Deed Upon Sale reflected a facially valid trustee’s sale, the court found no basis to stay the unlawful detainer proceedings. Tesconi filed a petition for writ of mandate challenging this order with the appellate division of the superior court, which was summarily denied. Motion for Summary Judgment On November 27, Tripathi moved for summary judgment. The motion alleged there was prima facie evidence that the foreclosure sale was conducted in compliance with section 2924 as Tripathi purchased the property at a trustee’s sale and was subsequently issued a Trustee’s Deed Upon Sale, which contained recitals stating the foreclosure proceedings were conducted in accordance with applicable law. It further asserted he was a

4 bona fide purchaser and thus took title free of any issues between Tesconi and MLS or DRV. Finally, it asserted Tripathi properly served Tesconi with a notice to quit, Tesconi was not challenging the adequacy of that notice, and Tesconi failed to vacate the property. Tripathi submitted a supporting declaration, stating he attended the trustee’s sale, submitted the highest bid at that sale, and was declared the winning bidder. He declared that, at the time he attended the trustee’s sale and purchased the property, he was unaware of any dispute regarding the property or the foreclosure proceedings. Tripathi further stated he served Tesconi with two separate notices to quit but was required to file the unlawful detainer action as those notices were ignored.

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