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### STATE OF MICHIGAN

COURT OF APPEALS

KIERA TEALL,

Plaintiff-Appellant, UNPUBLISHED February 19, 2015

v No. 318815 Wayne Circuit Court ONE WEST BANK, INDYMAC BANK, and US BANK NA, LC No. 10-005126-CH

Defendants-Appellees.

Before: C AVANAGH , P.J., and M ETER and S HAPIRO , JJ.

P ER C URIAM

. Plaintiff appeals as of right a n order granting summary dispos ition to defendants. We affirm.

I. STATEMENT OF FACTS

On November 23, 2005, plaintiff executed a mortgage with Mortg age Electronic Registration Systems, Inc. (MERS), as nominee for the lender, d efendant IndyMac Bank, to secure a loan for the property located at 35871 Sussex Drive in Romulus, Michigan (hereinafter “the property”). The mortgage contained a power of sale and pr ovided that MERS could assign the mortgage. MERS assigned the mortgage to defendant One WestBank on July 15, 2009. Plaintiff failed to fulfill her repayment obligations under the loan, and it was referred for foreclosure proceedings. The foreclosure notice was published pursuant to statute. On August 27, 2009, One West Bank bought the property in a sheriff’s sale . On December 16, 2009, One West Bank quitclaimed its interest to defendant US Bank NA, as trustee for the LXS 2005-9N Trust Fund.

After the redemption period expired, US Bank NA initiated an e viction action. Plaintiff responded by filing the instant lawsuit.

On October 22, 2010, defendants moved for summary disposition pursuant to MCR 2.116(C)(8) and (10). On December 15, 2010, plaintiff answered defendants’ motion for summary disposition. On December 17, 2010, the day of the summ ary disposition hearing, plaintiff filed a motion to amend the complaint to add an addit ional count for “Deceptive Act and/or Unfair Practice.” The tri al court granted plaintiff’s m otion to amend the complaint and-2- took no action on defendants’ motion for summary disposition, i nstead “[taking] the matter under advisement.” Plaintiff never f iled an amended complaint includ ing this new count.

On November 21, 2011, defendants filed a second motion for sum mary disposition under MCR 2.116(C)(8) and (C)(10). Plaintiff did not answer this mot ion for summary disposition.

On March 2, 2012, the trial court held a hearing concerning def endants’ motion for summary disposition. Plaintiff failed to appear at this hearin g. Defendants requested that their “motion be granted as no response was filed and . . . there’s a concession of all counts in that motion.” The trial court then gran ted defendants’ motion for summary disposition.

II. STANDARDS OF REVIEW

It is unclear on the basis of the order alone whether the tria l court decided to grant defendants’ motion for summary disposition under MCR 2.116(C)(7 ), (8), or (10). In their motions for summary disposition, defendants requested summary d isposition on the basis of MCR 2.116(C)(8) and (10), but they argued for summary dispositi on due to the application of the statute of frauds regarding plaintiff’s claims of unjust enrichment and innocent/negligent misrepresentation. This argumen t implicated MCR 2.116(C)(7).

A trial court’s decision regard ing a motion for summary dispos ition is reviewed de novo. See Johnson v Recca , 492 Mich 169, 173; 821 NW2d 520 (2012), and Beaudrie v Henderson
, 465 Mich 124, 129-130; 631 NW2d 308 (2001). “A summary disposi tion motion under MCR 2.116(C)(10) tests the factual support for a claim and should b e granted if there is no genuine issue as to any material fact and the moving party is entitled to judgment as a matter of law.” MEEMIC Ins Co v DTE Energy Co , 292 Mich App 278, 280; 807 NW2d 407 (2011). A court must consider the “pleadings, affidavits, depositions, admissio ns, and other documentary evidence in the light most favorable to the opposing party.” Id

. “Unlike a motion under subsection (C)(10), a movant under MCR 2.116(C)(7) is not required to file supportive material, and the opposing party ne ed not reply with supportive material.” Maiden v Rozwood , 461 Mich 109, 118-119; 597 NW2d 817 (1999). “The contents of the complaint are accepted as true unless contradicted by do cumentation submitted by the movant.” Id . at 119. If the parties submit admissible documentary evidenc e, it must be considered. Id

. “A motion under MCR 2.116(C)(8) tests the legal sufficiency of the complaint.” Id . A motion under this court rule “may be granted only where the cla ims alleged are so clearly unenforceable as a matter of law that no factual development co uld possibly justify recovery.” Id . (citation and quotation marks omitted). A trial court decidi ng a motion under this court rule considers only the pleadings. Id . at 119-120. “All well-pleaded f actual allegations are accept ed as true and construed in a lightmost favorable to the nonmovan t.” Id . at 119.

III. STATUTE OF FRAUDS

Plaintiff argues that her claims were not barred by the statut e of frauds. We disagree, in part. Plaintiff’s claims of promissory estoppel and misreprese ntation were barred by the statute of frauds.-3- Under the statute of frauds,

[a]n action shall not be brought against a financial institutio n [1] to enforce any of the following promises or commitments of the financial institut ion unless the promise or commitment is in writing and signed with an authoriz ed signature by the financial institution:

(a) A promise or commitment to lend money, grant or extend cre dit, or make any other financial accommodation.

(b) A promise or commitment to renew, extend, modify, or permi t a delay in repayment or performance of a loan, extension of credit, or other financial accommodation.

(c) A promise or commitment to waive a provision of a loan, ex tension of credit, or other financial accommodation. [MCL 566.132(2).]

This Court interprets the statute of frauds as “an unqualified and broad ban” on causes of action arising out of an unfulfilled ora l promise because the statute does not specify the type of “action” to which it applies. Crown Tech Park v D&N Bank, FSB , 242 Mich App 538, 550; 619 NW2d 66 (2000). This Court has applie d the statute of frauds to bar claims of promissory estoppel. Id

. First, plaintiff argues that herclaims were not barred becaus e there are writings that outline the alleged promise made by One West Bank to plaintiff that would fall within the statute of frauds. In her brief on appeal, plaintiff states, “upon inf ormation and belief there are a series of agreed upon writings by [One West Bank] to confirm the repre sentation and promise that the [s]heriff[’s] [s]ale would be a djourned and upon information an d belief [the sheriff’s sale] was adjourned on a number of occasions to accommodate the parties.” Plaintiff then asserts that discovery had not closed in the matter. Plaintiff’s assertion that discovery was not complete in the matter is untrue. Discovery closed on December 14, 2010. Furthermore, plaintiff never produced these writings that allegedly support her claim. Unde r MCR 2.116(C)(10), plaintiff cannot avoid application of the s tatute of frauds by claiming t hat some document exists somewhere that shows that the promise was not merely oral. Onc e defendants presented evidence that supported their argument, plaintiff was required to provide evidence that a genuine issue of material fact existed. Oliver v Smith , 269 Mich App 560, 563-564; 715 NW2d 314 (2006). Further, plaintiff’s assertion that written documentat ion exists that outlines the promise to postpone the sheriff’s sale p ending the outcome of a loan mo dification review is unsupported by her own arguments in her brief on appeal. Throughout her br ief, plaintiff asserts that had she known that One West Bank would conduct a sheriff’s sale before her loan modification could be considered, she would have “conf irmed [the agreement] in writin g.”

1 One West Bank is currently a national bank, but at the time of the allegations contained in this complaint, it was a federal savings association. In any event, both a national bank and a federal savings association are financial institutions under the statut e of frauds. MCL 566.132(3).-4- Plaintiff’s second argument reg arding the applicability of the statute of frauds also fails. Plaintiff argues that the statute of frauds did not bar her cla ims because the oral promise plaintiff based her claims upon did not constitute an alleged promise to lend money, extend credit, or waive or modify the performance of a loan. She further argues that the promise to place the sheriff’s sale on hol d in order for One West Bank to consider p laintiff for a loan modification did not fall within the “other fina ncial accommodation” provision o f the statute. Plaintiff’s claim is not supported by law.

Plaintiff relies on a Sixth Circuit case to support her argume nt: Schering-Plough Healthcare Prods v NBD Bank , 98 F3d 904, 909 (CA 6, 1996). Plaintiff argues that the Sixt h Circuit’s determination that the statute of frauds was “designe d to protect financial institutions from suits, by businesses that have experienced a significant d ownturn, alleging oral promises of financial commitment that expose the financial institution to a risk of loss” indicates that the representation that One West Bank would not proceed with the sh eriff’s sale while the loan modification was under review does not fit within the definitio n of “other financial accommodation” because upholding this promise would not expose One West Bank to any risk of loss. See id

. As an initial matter, this Court is not required to accept the Sixth Circuit’s interpretation of Michigan law. See Paul v Bogle , 193 Mich App 479, 487; 484 NW2d 728 (1992). Additionally, plaintiff fails t o explain how the result of Schering-Plough supports her claim. In Schering-Plough , the Sixth Circuit held that an oral promise to issue cashier’ s checks, certify the checks, and to make funds available, even though the account in question had a zero balance, did constitute an “other financial accommodation.” Schering-Plough , 98 F3d at 911-912. Thus, the Sixth Circuit interpreted the st atute broadly and used it to ba r a claim. This aligns with this Court’s rule of law that the sta tute of frauds is an “unqualifi ed and broad ban” on causes of action. Crown Tech Park , 242 Mich App at 550. Interpreti ng the statute broadly, the a lleged promise made to plaintiff would be an “other financial accommod ation.” Defendants were entitled to summary disposition on the misrepresentation and pr omissory estoppel claims because there was no genuine issue of material fact that existe d to support these claims, and the statute of frauds barred the in troduction of the alleged oral p romise that underpinned these claims.

Defendants are incorrect, however, in their assertion that the statute of frauds barred plaintiff from asserting an unjus t enrichment claim. Unjust en richment can provide a remedy for plaintiffs whose contracts are considered void under the statut e of frauds. Thurn v McAra , 374 Mich 22, 24-25; 130 NW2d 887 (1964) . Plaintiff’s unjust enrich ment claim was properly dismissed on other grounds, a s discussed in Part IV, infra

. IV. MCR 2.116(C)(8)

A. PLAINTIFF’S QUIET TITLE, FRA UD, AND NEGLIGENT/INNOCENT MISREPRESENTATION CLAIMS

Plaintiff argues that she was entitled to quiet title because she has shown through her pleadings and affidavit that she was misled into believing that the sheriff’s sale would not occur pending the outcome of the loan m odification process. Plaintif f argues that these allegations of-5- fraud and negligent/innocent misrepresentation granted her stan ding to challenge the sheriff’s sale and entitled her to quiet title. We disagree and find tha t plaintiff’s claims were barred even assuming, arguendo, that the statute of frauds did not in fact apply to certain of the claims as discussed supra

. In 2014, this Court held that if a mortgagor fails to redeem the property within the statutory redemption period, she loses standing to bring her cl aims. Bryan v JPMorgan Chase Bank , 304 Mich App 708, 715; 848 N W2d 482 (2014). In Bryan , the plaintiff sued the defendant bank, which was both the lender of the loan that secured the mo rtgage and the purchaser of the property following the sheriff’s sale, to quiet title and for u njust enrichment, deceptive/unfair practice, and wrongful foreclosure, alleging that the defendant was not the owner of the indebtedness secured by the mortgage or the servicing agent as required by Michigan law because the defendant failed to record its interest in the prop erty before the sheriff’s sale. Id . at 710-711. The plaintiff argued that the sheriff’s sale was void ab initio

. Id . at 711. The plaintiff filed her complaint after the ex piration of the redemption peri od, but the plainti ff argued that she had standing to sue because of fraud or irregularity in the for eclosure process due to the defendant’s failure to record its mortgage interest before the sale. Id . The Bryan Court held that summary disposition for the defendant was proper because the pl aintiff lacked standing to bring her claims. Id . at 715.

This case is analogous to Bryan. Plaintiff did not redeem the property within the statutory redemption period and the redemption period expired b efore she filed the complaint in this action. Thus, pursuant to Bryan , plaintiff never had standing t o bring these claims. Once the redemption period ended, the sheriff’s deed vested in One West Bank, and One West Bank was assigned all the “right and title” of plaintiff that existed at the time she executed the mortgage. Hanson v Huetter , 339 Mich 130, 133-134; 62 NW2d 663 ( 1954); see also MCL 600.3 236.

Plaintiff attempts to avoid the applicability of the Bryan rule by alleging that she “has clearly shown through her pleadings and affidavit that [she] wa s misled into believing that the [sheriff’s sale] would not occur pending the outcome of the [l] oan [m]odification process.” However, plaintiff has not “clear ly shown” her allegations of f raud. Allegations of fraud or mistake must be pleaded with particularity, MCR 2.112(B)(1 ), or they will fail for fail ure to state a claim upon which relief can be granted. Michigan ex rel Gurganus v CVS Caremark Corp , 496 Mich 45, 64 n 41; 852 NW2d 103 (2014) (“when the pleaded facts do not permit the court to infer more than the mere possibility of misconduct, the complaint fai ls to state a claim for relief ” [citations and quotation marks omitted]). Plaintiff makes noth ing more than general assertions of alleged promises made by One West Bank. Plaintiff’s complaint makes no particular and specific assertions of when these alleged promises were made, b y whom, and under what circumstances. Plaintiff has alleged nothing more than the mer e possibility of misconduct, and as such, her allegations failed to state a claim on which relie f can be granted.

In addition, the affidavit that plaintiff relies upon was not filed with her complaint, but with her answer to defendants’ 2010 motion for summary disposit ion. Furthermore, the affidavit could not have been considered by the trial court because it wa s neither signed nor notarized. Gorman v American Honda Motor Co , 302 Mich App 113, 120; 839 NW2d 223 (2013) (“an unsworn, unsigned affidavit may not be considered by the trial court on a motion for summary disposition”). Nonetheless, this affidavit did little more tha n indicate that plai ntiff would testify-6- to the allegations that she allege d in her complaint, and gave no additional particular circumstances surrounding these alleged promises. Therefore, p laintiff failed to support her allegations of fraud.

Defendants also present alternative grounds of affirmance, all eging that “the continued pursuit of this appeal is a collateral attack on the judgment i n the [e]viction [a]ction, which is res judicata on the issue of possession.” A n appellee may urge alternative grounds for affirmance without filing a cross appeal as long as a more favorable decis ion is not obtained. Middlebrooks v Wayne Co , 446 Mich 151, 166 n 41; 521 NW2d 774 (1994). However, in ord er for this Court to review these alternative grounds, defendants must have prese nted the issue to the trial court. See City of Riverview v Sibley Limestone , 270 Mich App 627, 633 n 4; 716 NW2d 615 (2006) (holding that an appellee arguing for alternative grounds for a ffirmance must present the issue to the trial court to properly pres erve it for appeal). Defendant s did not properly preserve this argument before the trial court , so this Court will not conside r it.

The trial court correctly granted defendants’ motion for summa ry disposition regarding plaintiff’s claims to quiet tit le and for negligent/innocent mi srepresentation and fraud; she failed to state a claim upon whic h relief could be granted.

B. PLAINTIFF’S UNJUST ENRICHMENT , PROMISSORY ESTOPPEL, AND CONSTRUCTIVE TRUST CLAIMS

Plaintiff argues that she was entitled to relief on her claim of unjust enrichment because defendants now have legal title to the property free and clear of plaintiff’s ownership rights due to One West Bank’s misrepresentat ions. Plaintiff asserts that the inequity she has suffered is “obvious.” We disagree.

In order to succeed on a claim of unjust enrichment, “a plaint iff must establish (1) the receipt of a benefit by the defen dant from the plaintiff and (2 ) an inequity resulting to the plaintiff because of the retentio n of the benefit by the defend ant.” Morris Pumps v Centerline Piping, Inc , 273 Mich App 187, 195; 729 NW2d 898 (2006). However, a claimseeking an implied contract to remedy unjust enrichment fails when there i s an express contract covering the same subject matter between the same parties. See Belle Isle Grill Corp v City of Detroit , 256 Mich App 463, 478; 666 NW2d 271 (2003).

There was an express contract between these parties regarding plaintiff’s rights to the property: the mortgage. In addition, plaintiff does not ident ify what benefit One West Bank received from her that left he r with an inequity. Under the te rms of the contract, plaintiff was not entitled to a loan modification before One West Bank’s initiati on of foreclosure proceedings. Plaintiff fails to identify what benefit she gave to One West B ank that it was not already entitled to under the terms of the mortgage. Therefore, plaintiff’s cla im for unjust enrichment fails to state a claim on which relie f could be granted. MCR 2.116(C)(8 ).

Plaintiff also argues that she is entitled to relief on her cl aim of promissory estoppel because defendants misled plaintiff “into believing that she wo uld either obtain a [l]oan [m]odification or have a definitive decision on whether she wou ld obtain a [l]oan [m]odification before [defendants] would go forw ard with a [s]heriff [s]ale.” In addition to being barred by the-7- statute of frauds, as discussed in Part III, supra , plaintiff’s argument fails for failure to state a claim upon which relief can be granted.

Under the doctrine of promissory estoppel, a promise that “‘th e promisor should reasonably expect to induce action or forbearance on the part o f the promisee or a third person and which does induce such acti on or forbearance is binding if injustice can be avoided only by enforcement of the promise.’” State Bank of Standish v Curry , 442 Mich 76, 83; 500 NW2d 104 (1993), quoting 1 Restatement Contracts, 2d, § 90, p 242. For a claim of promissory estoppel to be successful, the promise must be clear and definite. Id . at 85. A court will “look to the words and actions of the transaction as well as the nature of the rel ationship between the parties and the circumstances surrounding their actions” to determine whether a promise exists. Id . at 86. A clear and definite promise does not exist where “material terms of the agreement are lacking [because] the degree of certainty necessary in a promise is abs ent.” See id . (citation and quotation marks omitted). For example, “general discussions of extending credit or past renewals of credit should not lead a borrower to reasonably bel ieve that credit will be extended or renewed again and again.” Id . at 87 (citation and quotat ion marks omitted).

Plaintiff cannot identify a clear and definite promise here. In her complaint, plaintiff alleges that “[One West Bank] . . . assured [p]laintiff and [he r] representatives that during the [l]oan [m]odification and [s]hort [s]ale process [One West Bank ] would reschedule the [sheriff’s sale] so that [p]laintiff would not lose her home.” This alleg ed promise completely lacks definition regarding the date for which One West Bank would res chedule the sheriff’s sale or regarding whether the bank intended to halt it completely until the short sale process and loan modification process were complete. Due to the vague nature of this alleged promise, the nature of the relationship between the parties, and the circumstances involved, this alleged promise was not definite enough to constitute an actionable promise. Thus, plaintiff’s claim for promissory estoppel fails for failure to s tate a claim upon which relief c ould be granted.

Finally, plaintiff never would have succeeded on a claim of co nstructive trust because a constructive trust is not an i ndependent cause of action; it is an equitable remedy. CPAN v MCCA , 305 Mich App 301, 325; 852 NW2d 229 (2014). Thus, the count in plaintiff’s complaint that sought to impose a constructive trust was legally insuffic ient to state a claim. See id

. Further, plaintiff would not have been eligible to receive a co nstructive trust as a remedy because, as discussed supra , she failed to sufficiently pl ead fraud, misrepresentation, or any other cause of action that could have led to the imposition of a constructive trust.

V. MCR 2.116(C)(10)

Plaintiff argues that defendants breached former MCL 600.3205c by failing to give plaintiff the required 90 days for a good faith opportunity to negotiate a loan modification. We disagree.

The statutory scheme that pla intiff relies upon for this claimwas not effective when the foreclosure began. A mortgage holder or servicer’s responsibil ities under MCL 600.3205c(7) required that if a borrower was eligible for a modification, th e mortgage holder or servicer could only proceed to foreclosure if the borrower had been offered a modification agreement in good faith and if the borrower had not executed and returned the mod ification agreement within 14-8- days after receipt of the agreement. 2009 PA 31. 2 However, as noted by MCL 600.3204(4) and (5), these responsibilities only applied to foreclosures for wh ich the first notice of the foreclosure was published after July 5, 2009, the date that MCL 600.3205c w ent into effect. 2009 PA 29. 3 The sheriff’s deed contained an affidavit of publication that i dentified that the first date that notice of the foreclosure was published was July 2, 2009. Plai ntiff offered no evidence to rebut this date of publication. Therefore, there was no genuine issu e of material fact. Defendants cannot have violated a statute t hat did not apply to this parti cular foreclosure.

VI. TRANSFER OF THE PROPERTY TO THE TRUST

Plaintiff argues that pursuant to the terms of the trust pooli ng and servicing agreement, US Bank NA could not purchase th e property to place into the tr ust. “[T]o preserve an issue for appellate review, the issue must be raised before and decided b y the trial court.” Detroit Leasing Co v City of Detroit , 269 Mich App 233, 237; 713 NW2d 269 (2005). It is well estab lished that Michigan appellate courts will not review issues that were not preserved before the trial court unless “review is necessary to avoid a miscarriage of justice.” Napier v Jacobs , 429 Mich 222, 232-233; 414 NW2d 862 (1987). Here, the issue was not properlypreserved because plaintiff did not make the argument before the decision regarding the mot ion for summary disposition. Review is not necessary to avoid a miscarriage of justice, and we decline to address the merits of plaintiff’s claim.

Affirmed.

/s/ Mark J. Cavanagh /s/ Patrick M. Meter /s/ Douglas B. Shapiro

2 We cite this statutory provision using its public act number b ecause this statute was repealed by 2014 PA 521, which went into effect on June 30, 2013.

3 We cite these statutory provisions by their public act number because these portions of the statute were repealed by 2014 PA 125, which went into effect onJune 19, 2014.