US Bank Nat'l Ass'n v. Kaplan

202 A.D.3d 1144

159 N.Y.S.3d 915 (Mem)

US BANK NATIONAL ASSOCIATION, etc., respondent,

v.Shirley A. KAPLAN, et al., appellants, et al., defendants.

2018–11321, 2018–11322

Index No. 66477/14

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

Submitted—November 13, 2019

February 23, 2022

Charles Wallshein, Melville, NY, for appellants.

David A. Gallo & Associates LLP, Roslyn Heights, NY (Jonathan M. Cohen of counsel), for respondent.

COLLEEN D. DUFFY, J.P., BETSY BARROS, SYLVIA O. HINDS–RADIX, SHERI S. ROMAN, JJ.

DECISION & ORDER

In an action to foreclose a mortgage, the defendants Shirley A. Kaplan and Darren Kaplan appeal from two orders of the Supreme Court, Suffolk County (C. Randall Hinrichs, J.), both dated August 3, 2018. The first order, insofar as appealed from, granted those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against the defendants Shirley A. Kaplan and Darren Kaplan, to strike those defendants’ answer and dismiss their affirmative defenses, and for an order of reference, and denied those defendants’ cross motion for summary judgment dismissing the complaint insofar as asserted against them. The second order, insofar as appealed from, granted the same relief to the plaintiff and referred the matter to a referee to compute the amount due to the plaintiff.

ORDERED that the orders are reversed insofar as appealed from, on the law, with one bill of costs, those branches of the plaintiff's motion which were for summary judgment on the complaint insofar as asserted against the defendants Shirley A. Kaplan and Darren Kaplan, to strike those defendants’ answer and dismiss their affirmative defenses, and for an order of reference are denied, and those defendants’ cross motion for summary judgment dismissing the complaint insofar as asserted against them is granted.

RPAPL 1304(1), which applies to home loans, provides that "at least ninety days before a lender, an assignee or a mortgage loan servicer commences legal action against the borrower, ... including mortgage foreclosure, such lender, assignee or mortgage loan servicer shall give notice to the borrower." RPAPL 1304(2) provides that "[t]he notices required by this section shall be sent by the lender, assignee or mortgage loan servicer in a separate envelope from any other mailing or notice."

Here, the plaintiff failed to establish, prima facie, that it strictly complied with the requirements of RPAPL 1304 (see Aurora Loan...