Bank of N.Y. Mellon v. Selig

213 A.D.3d 894

182 N.Y.S.3d 656 (Mem)

BANK OF NEW YORK MELLON, etc., respondent,

v.Krista SELIG, appellant, et al., defendants.

2019–13837

Index No. 23649/10

Supreme Court, Appellate Division, Second Department, New York.

Argued—November 10, 2022

February 22, 2023

Krista Selig, Roslyn Heights, NY, appellant pro se.

Druckman Law Group PLLC, Westbury, NY (Maria Sideris of counsel), for respondent.

ANGELA G. IANNACCI, J.P., CHERYL E. CHAMBERS, PAUL WOOTEN, HELEN VOUTSINAS, JJ.

DECISION & ORDER

In an action to foreclose a mortgage, the defendant Krista Selig appeals from an order and judgment of foreclosure and sale (one paper) of the Supreme Court, Nassau County (Thomas A. Adams, J.), entered September 12, 2019. The order and judgment of foreclosure and sale, upon an order of the same court dated January 31, 2019, granting the plaintiff's motion, inter alia, for summary judgment on the complaint insofar as asserted against the defendant Krista Selig and for an order of reference, granted the plaintiff's motion to confirm the referee's report and for a judgment of foreclosure and sale, confirmed the referee's report, and directed the sale of the subject property.

ORDERED that the order and judgment of foreclosure and sale is affirmed, with costs.

In January 2006, the defendant Krista Selig executed a note in favor of the defendant Concord Mortgage Corporation. The note was secured by a mortgage on residential property located in Roslyn Heights. On March 1, 2006, the plaintiff entered into a pooling and servicing agreement (hereinafter PSA), pursuant to which the plaintiff became trustee of a trust that holds Selig's mortgage. In December 2010, the plaintiff commenced this action to foreclose the mortgage against, among others, Selig, alleging that Selig had defaulted on her obligations under the note by failing to make the payment due on March 1, 2009. Selig interposed an answer in which she asserted various affirmative defenses, including lack of standing.

In an order entered March 27, 2014, the Supreme Court granted the plaintiff's motion, inter alia, for summary judgment on the complaint insofar as asserted against Selig and for an order of reference. Selig subsequently moved, among other things, to vacate that order and pursuant to CPLR 3211(a)(8) to dismiss the complaint insofar as asserted against her for lack of personal jurisdiction. The court denied that motion, and a judgment of foreclosure and sale was subsequently entered. On a prior appeal, this Court reversed the judgment of foreclosure and sale and, inter alia, denied that branch of the plaintiff's motion which was for summary judgment on the complaint insofar as asserted against Selig, determining that the plaintiff failed to demonstrate, prima facie, that it had standing to commence this action (see Bank of N.Y. Mellon v. Selig, 165 A.D.3d 872, 872–874, 86 N.Y.S.3d 543 ). This Court also determined that the Supreme Court properly denied that branch of Selig's motion which was to dismiss the complaint insofar as asserted against her for lack of personal jurisdiction, concluding that Selig had waived that defense by failing to raise it in a pre-answer motion to dismiss or in her answer (see id. at 874, 86 N.Y.S.3d 543 ).

Thereafter, the plaintiff moved, inter alia, for summary judgment on the complaint insofar as asserted against Selig and for an order of reference. In an order dated January 31, 2019, the Supreme Court granted the plaintiff's motion. An order and judgment of foreclosure and sale was subsequently entered on September 12, 2019. Selig appeals.

"A plaintiff establishes its standing in a mortgage foreclosure action by demonstrating that, when the action was commenced, it was either the holder or assignee of the underlying note. Either a written assignment of the underlying note or the physical delivery of the...