Case ID: f-appx_528/html/0710-01.html
Source: Caselaw Access Project
Author: {"author": "", "license": "Public Domain", "url": "https://static.case.law/"}
Date Created: 2024-08-24T03:29:51.129683

Barbara NURCZEWSKA, Plaintiff-Appellant, v. FEDERAL HOME LOAN MORTGAGE CORPORATION; JPMorgan Chase BANK, Defendants-Appellees.
    No. 12-55309.
    United States Court of Appeals, Ninth Circuit.
    Argued and Submitted June 5, 2013.
    Filed June 14, 2013.
    David Andrew Pash, Los Angeles, CA, for Plaintiff-Appellant.
    William Guy Malcolm, Bankruptcy Counsel, Donald W. Robinson, Andrew David Scoble, Esquire, Malcolm & Cisne-ros, A Law Corporation, Irvine, CA, for Defendants-Appellees.
    
      Before: TROTT and W. FLETCHER, Circuit Judges, and STEIN, District Judge.
    
    
      
       The Honorable Sidney H. Stein, District Judge for the U.S. District Court for the Southern District of New York, sitting by designation.
    
   MEMORANDUM

Plaintiff-Appellant Barbara Nurczewska appeals the dismissal of her first amended complaint without leave to amend. We have jurisdiction under 28 U.S.C. § 1291, and we affirm.

Nurczewska’s argument to set aside the foreclosure sale based upon California’s deed-of-trust statutes is misplaced. An agreement between the lender and a non-trustor third party, like Nurczewska, does not void the sale. See Nguyen v. Calhoun, 105 Cal.App.4th 428, 129 Cal.Rptr.2d 436, 450 (2003) (holding that a “nonstatutory postponement ... does not constitute an irregularity in the foreclosure proceeding itself’ that could justify setting aside a foreclosure sale).

Nurczewska’s breach of contract claim fails for lack of consideration. Consideration requires a bargained for detriment or benefit. Steiner v. Thexton, 48 Cal.4th 411, 106 Cal.Rptr.3d 252, 226 P.3d 359, 366 (2010). None of Nurczewska’s actions was taken at Appellees’ request. Therefore, they are not consideration for the oral promise to postpone the foreclosure sale.

While the fact that Nurczewska’s reliance on Freddie Mac’s promise to postpone the foreclosure sale may support a standalone claim for promissory estoppel, it does not save Nurczewska’s contract claim. The California Supreme Court “repeatedly has recognized the claims not only as distinct or alternative theories of recovery but also as mutually exclusive.” Douglas E. Barnhart, Inc. v. CMC Fabricators, Inc., 211 Cal.App.4th 230, 149 Cal.Rptr.3d 440, 450 (2013); see also id. (collecting cases distinguishing between the two causes of action). However, at oral argument Nurczewska’s counsel expressly disclaimed any intent to amend the complaint to include a claim for promissory estoppel.

Nurczewska’s fraud claim fails because she did not suffer any “out-of-pocket” damages. See Fragale v. Faulkner, 110 Cal.App.4th 229, 1 Cal.Rptr.3d 616, 622 (2003).

Nurczewska’s negligence claim fails because Freddie Mac did not owe Nurczews-ka a duty of care. Unless a financial institution steps out of its traditional role as a lender, it does not owe a duty of care to a borrower. See, e.g., Nymark v. Heart Fed. Savings & Loan Ass’n, 231 Cal.App.3d 1089, 283 Cal.Rptr. 53, 59 (1991). Given that Freddie Mac owed no duty to the actual homeowners in considering whether to forego its rights as a lender, we believe it stands a fortiori that it did not owe a duty to a prospective purchaser. Nurczewska’s reliance on U.S. Liability Insurance Co. v. Haidinger-Hayes, 1 Cal.3d 586, 83 Cal.Rptr. 418, 463 P.2d 770 (1970), is unpersuasive because Freddie Mac is not her fiduciary.

According to counsel, Nurczewska’s requests for a declaratory judgment and to reinstate the lis pendens are now moot. Therefore, we do not address these arguments.

Finally, the district court properly dismissed Nurczewska’s complaint without leave to amend. Apart from failing to present her proposed amendments to the district court, we have considered Nurc-zewska’s proposed amendments and conclude that they lack merit.

AFFIRMED. 
      
       This disposition is not appropriate for publication and is not precedent except as provided by 9 th Cir. R. 36-3.