U.S. Bank Trust v. Roach, C.

CourtSuperior Court of Pennsylvania
DecidedFebruary 21, 2025
Docket2501 EDA 2024
StatusUnpublished

This text of U.S. Bank Trust v. Roach, C. (U.S. Bank Trust v. Roach, C.) is published on Counsel Stack Legal Research, covering Superior Court of Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
U.S. Bank Trust v. Roach, C., (Pa. Ct. App. 2025).

Opinion

J-A06044-25

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT O.P. 65.37

U.S. BANK TRUST NATIONAL : IN THE SUPERIOR COURT OF ASSOCIATION, NOT IN ITS : PENNSYLVANIA INDIVIDUAL CAPACITY BUT SOLEY : AS OWNER TRUSTEE FOR RCF : ACQUISTITION TRUST : : : v. : : No. 2501 EDA 2024 : CHARLES ROACH A/K/A CHARLES M. : ROACH, AND MARK ROACH : : : APPEAL OF: MARK ROACH :

Appeal from the Order Entered August 29, 2024 In the Court of Common Pleas of Monroe County Civil Division at No(s): 003184-CV-2017

BEFORE: PANELLA, P.J.E., DUBOW, J., and STEVENS, P.J.E.*

MEMORANDUM BY STEVENS, P.J.E.: FILED FEBRUARY 21, 2025

Appellant, Mark Roach,1 appeals from the order entered on August 29,

2024, in the Court of Common Pleas of Monroe County, which denied his

petition to open or vacate judgment. After a careful review, we affirm.

The relevant facts and procedural history are as follows: On May 3,

2017, Wells Fargo Bank, N.A., (“Wells Fargo”) filed a complaint in mortgage

____________________________________________

* Former Justice specially assigned to the Superior Court.

1 As discussed infra, the complaint in this case was filed against Appellant Mark Roach and his father, Charles Roach a/k/a Charles M. Roach. However, Charles Roach a/k/a Charles M. Roach died in 2024, and he is not a party to this appeal. J-A06044-25

foreclosure against Charles Roach a/k/a Charles M. Roach (“Charles Roach”)

and Mark Roach (“Appellant”) (collectively “the Roaches”), who are father and

son. Therein, Wells Fargo averred that, on January 28, 2004, the Roaches

took out a loan in the amount of $237,975.00, and they secured the loan’s

promissory note with their property located on Mountain Terrace Drive in

Blakeslee, Pennsylvania (“the mortgaged property”). Cardinal Financial

Company was the original mortgagee; however, the mortgage was

subsequently assigned to Wells Fargo.2

Wells Fargo averred the Roaches failed to pay the installments of

principal and interest on the loan due on December 1, 2016. They made no

subsequent payments on the loan. Thus, Wells Fargo averred the Roaches

were in default of the promissory note and the mortgage securing the

promissory note. Wells Fargo indicated it provided the Roaches with notice of

intent to foreclose on the mortgaged property. Accordingly, in its complaint,

Wells Fargo sought an in rem judgment in mortgage foreclosure for the

property.

On June 1, 2017, the Roaches filed a pro se answer, which they

amended on September 8, 2017. On September 19, 2017, Wells Fargo filed

a motion for summary judgment, as well as a supporting brief. Wells Fargo

2 As discussed infra, the mortgage was then assigned to Appellee, not in its

individual capacity but solely as the owner trustee for RCF 2 Acquisition Trust.

-2- J-A06044-25

averred the Roaches were in default under the terms of the promissory note

and mortgage, and they failed to assert any defenses in their pro se answer.

Wells Fargo attached to its motion a sworn affidavit from Cynthia A. Thomas,

Vice President of Loan Documentation, indicating the Roaches have been in

default on the promissory note since December 1, 2016. Ms. Thomas

indicated a notice of intent to foreclose on the mortgage was sent to the

Roaches; however, they failed to take any steps to avoid foreclosure.

Accordingly, Wells Fargo averred there are no genuine issues of material fact,

and Wells Fargo is entitled to judgment as a matter of law.

On September 25, 2017, the trial court entered an order directing the

Roaches, who were still pro se, to file a response to the summary judgment

motion. They failed to respond, and, therefore, by order entered on October

31, 2017, the trial court granted Wells Fargo’s motion for summary judgment

in the mortgage foreclosure action. On November 7, 2017, Wells Fargo filed

a praecipe for the entry of judgment and seeking interest. On November 8,

2017, the prothonotary entered judgment in favor of Wells Fargo and against

the Roaches in the amount of $248,276.78, plus interest, and for the

foreclosure/sale of the mortgaged property.

On December 4, 2017, the Roaches, represented by Joshua Thomas,

Esquire, filed a counseled petition to open and/or strike the judgment, as well

as a supporting brief. Therein, the Roaches averred they were not served with

either Wells Fargo’s motion for summary judgment or Wells Fargo’s November

-3- J-A06044-25

7, 2017, praecipe for judgment. They noted that, since the motion for

summary judgment was filed just eleven days after the Roaches’ amended

answer, there had been insufficient time for discovery. The Roaches averred

they had a meritorious defense in that the chain of assignments had been

“broken,” and, accordingly, only “the originator, Cardinal Financial

Company,…has the authority, pursuant to proper recording of assignments, to

foreclose.” The Roaches’ Petition to Open and/or Strike Judgment, filed

12/4/17, at 2. Moreover, the Roaches averred that, upon their belief, Fannie

Mae is the owner of the promissory note, and, consequently, Fannie Mae

should have been assigned the mortgage.

On December 6, 2017, the trial court issued upon Wells Fargo a rule to

show cause, and on December 29, 2017, Wells Fargo filed a response in

opposition to the Roaches’ petition to open and/or strike the judgment, as well

as a supporting brief. Therein, relevantly, Wells Fargo noted the record

indicates Wells Fargo’s motion for summary judgment and praecipe for

judgment were mailed to the Roaches.

On January 29, 2018, Wells Fargo filed a request for oral argument on

the Roaches’ petition to open and/or strike the judgment, and the trial court

set a hearing date of April 2, 2018. By order entered on April 5, 2018, the

trial court granted the Roaches’ petition to open the judgment. The order

provided the Roaches would have sixty days to complete discovery.

-4- J-A06044-25

On September 13, 2018, Wells Fargo filed a motion to compel responses

to various discovery requests. Therein, Wells Fargo averred that, on May 1,

2018, it served the Roaches with requests for admissions, interrogatories, and

production of documents. Further, on June 22, 2018, Wells Fargo wrote to

the Roaches’ counsel asking for a response to the discovery requests.

However, the Roaches failed to respond. Thus, Wells Fargo requested that

the trial court direct the Roaches to respond to the discovery requests.

By order entered on September 14, 2018, the trial court issued a rule

to show cause on the Roaches as to why the motion to compel should not be

granted. The Roaches did not respond, so on November 26, 2018, Wells Fargo

filed a motion to make absolute the rule to show cause. By order entered on

November 28, 2018, the trial court ruled that Wells Fargo’s request for

admissions are deemed admitted under Pennsylvania Rule of Civil Procedure

4014 since the Roaches failed to respond. The trial court directed the Roaches

to answer Wells Fargo’s requests for interrogatories and requests for

production of documents.

On March 20, 2019, the Roaches, with the assistance of Attorney

Thomas, filed an answer with new matter to Wells Fargo’s complaint. On April

15, 2019, Wells Fargo filed a reply to the new matter. On September 23,

2021, Wells Fargo filed a motion for summary judgment, as well as a

supporting brief.

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