Document ID: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-ca4-14-01141/USCOURTS-ca4-14-01141-0/pdf.json

Parties Involved:
Capital One, National Association
Appellee
Jane M. Castle

Richard Castle
Appellant

Document Text:

UNPUBLISHED

UNITED STATES COURT OF APPEALS

FOR THE FOURTH CIRCUIT

No. 14-1141

RICHARD CASTLE, in his capacity as Personal Representative 

for the Estate of Jane Mary Castle,

Plaintiff – Appellant,

and

JANE M. CASTLE,

Plaintiff,

v.

CAPITAL ONE, NATIONAL ASSOCIATION,

Defendant – Appellee.

Appeal from the United States District Court for the District of 

Maryland, at Baltimore. William M. Nickerson, Senior District 

Judge. (1:13-cv-01830-WMN)

Argued: January 27, 2015 Decided: February 10, 2015

Before WILKINSON, KING, and DUNCAN, Circuit Judges.

Affirmed by unpublished per curiam opinion.

ARGUED: Scott Craig Borison, LEGG LAW FIRM LLC, San Mateo, 

California, for Appellant. Robert A. Scott, BALLARD SPAHR LLP, 

Baltimore, Maryland, for Appellee. ON BRIEF: Phillip Robinson, 

CONSUMER LAW CENTER LLC, Silver Spring, Maryland, for Appellant. 

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Martin C. Bryce, Jr., BALLARD SPAHR LLP, Philadelphia, 

Pennsylvania, for Appellee.

Unpublished opinions are not binding precedent in this circuit.

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PER CURIAM:

By this appeal, Richard Castle — as personal representative 

for his deceased mother Jane M. Castle — seeks relief from the

dismissal of his complaint in the District of Maryland. Castle 

alleged, inter alia, that defendant Capital One, N.A., as 

mortgage lender, purchased excessive and otherwise flawed

“force-placed insurance” on his mother’s mortgaged real estate, 

in contravention of Maryland consumer fraud statutes.*

 Castle 

maintained that he was entitled to class certification, plus

declaratory, injunctive, and monetary relief. Having carefully 

assessed the record and the thoughtful opinion of the district 

court, as well as the written submissions and arguments of 

counsel, we are content to affirm the judgment. See Castle v. 

Capital One, N.A., No. 1:13-cv-01830 (D. Md. Jan. 15, 2014), ECF 

No. 17.

AFFIRMED

 * Force-placed insurance — sometimes called “lender-placed” 

or “creditor-placed” insurance — is generally described as 

homeowner’s insurance placed by a mortgage lender on a mortgaged 

residential property when the debtor’s homeowner’s coverage has 

lapsed. See Cohen v. Am. Sec. Ins. Co., 735 F.3d 601, 603 (7th 

Cir. 2013).

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