SUPERIOR COURT OF NEW JERSEY

APPELLATE DIVISION

DOCKET NO. A-1132-18T2

WELLS FARGO BANK, NA,

Plaintiff-Respondent,

v.

WILLIAM H. TAYLOR,

Defendant-Appellant,

and 

MRS. WILLIAM H. TAYLOR,

his wife, FIRST ATLANTIC 

SAVINGS AND LOAN ASSOCIATION,

and UNITED STATES OF AMERICA,

Defendants.

___________________________________

Submitted February 26, 2020 – Decided

Before Judges Mayer and Enright.

On appeal from the Superior Court of New Jersey, 

Chancery Division, Hunterdon County, Docket No. 

F-014804-17.

William H. Taylor, appellant pro se.

NOT FOR PUBLICATION WITHOUT THE

APPROVAL OF THE APPELLATE DIVISION

This opinion shall not "constitute precedent or be binding upon any court." Although it is posted on the 

internet, this opinion is binding only on the parties in the case and its use in other cases is limited. R. 1:36-3.

March 18, 2020
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Reed Smith LLP, attorneys for respondent (Henry F. 

Reichner, of counsel and on the brief; Ethan R. Buttner, 

on the brief).

PER CURIAM

Defendant William H. Taylor appeals from a September 24, 2018 final 

judgment of foreclosure in favor of plaintiff Wells Fargo Bank, N.A. (Bank). 

Defendant also appeals from a February 23, 2018 order striking his answer,

dismissing his counterclaims, and denying his cross-motion to amend his 

pleadings. We affirm. 

Defendant executed a residential reverse mortgage with PNC Reverse 

Mortgage, LLC (PNC) on March 26, 2010, allowing him to borrow up to 

$697,500. To secure payment of the loan, defendant executed a note and 

mortgage encumbering his personal residence. The mortgage was assigned from 

PNC to the Bank on March 26, 2010. 

In accordance with the loan documents, defendant was required to pay all 

property taxes on the mortgaged property. Because defendant failed to pay the 

required property taxes, the loan went into default on February 14, 2017. After 

serving a notice of intent to foreclose, the Bank filed a foreclosure complaint on 

June 14, 2017. Defendant filed a contesting answer and counterclaim.
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The Bank moved to strike defendant's answer and dismiss defendant's 

counterclaim, which defendant opposed. Defendant cross-moved for leave to 

amend his pleadings. In support of its motion, the Bank presented a certification 

from the bank's employee, Linda L. Bridges, stating she had personal knowledge 

of the records in support of the Bank's right to foreclosure. 

On February 23, 2018, Judge Margaret Goodzeit granted the Bank's 

motion to strike defendant's contesting answer and defenses and dismiss 

defendant's counterclaim. She also denied defendant's cross-motion for leave to 

amend his pleadings. 

The judge attached a detailed written statement of reasons to her order. 

She found the Bank was the mortgagee of record when it filed the foreclosure 

complaint and established its right to foreclose. In her written statement, the 

judge determined "defendant's [a]nswer raises no genuine issue as to plaintiff's 

prima facie right to foreclose." In addition, she rejected defendant's challenge 

to the assignment of the mortgage because defendant, as the borrower, lacked 

standing to contest the assignment. Further, the judge reviewed defendant's 

fraud-based defenses and counterclaims and explained the fraud allegations 

were barred by the six-year statute of limitations under N.J.S.A. 2A:14-1. In 

addition, the judge concluded defendant failed to plead his fraud claims with the 
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requisite specificity. The judge denied defendant's motion to amend his 

pleadings because the substance of the proposed amended pleadings "remain[ed] 

unchanged." She also rejected defendant's proposed additional counterclaims, 

because they "lack[ed] factual or legal bases." 

The Bank subsequently obtained a final judgment of foreclosure. 

On appeal, defendant raises the following arguments:

1

POINT I

PRIMA FACIE FAILS. PLAINTIFF DID NOT HOLD 

A VALID NOTE, MORTGAGE OR ASSIGNMENT. 

ALL ARE FORGERIES AND VOID. PNC WAS NOT 

A REAL PARTY IN THE TRANSACTION.

POINT II

APPELLANT'S AMENDMENT SHOULD NOT 

HAVE BEEN DENIED. APPELLANT'S 

AMENDMENT WAS TIMELY FILED. THE 

COURT'S DECISION MISSTATED AND 

MISAPPLIED THE RULE.

POINT III

STATUTE OF LIMITATIONS. CONSIDERING THE 

[STATUTE OF LIMITATIONS] WAS MISPLACED. 

VIABILITY OF THE CONTRACTS COMES FIRST.

1

 We recite defendant's legal points verbatim.
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POINT IV

DENIAL AND WITH PREJUDICE 

INAPPROPRIATE. THE COURT DID NOT 

ADDRESS THE FACTS, FRAUD. RESPONDENT 

DID NOT DENY THEM. THE [STATUTE OF 

LIMITATIONS] RULE APPLICATION WAS IN 

ERROR. DISCOVERY RULE IS APPROPRIATE. 

(Not raised below).

POINT V

COURT TURNED A BLIND EYE TO EVERY 

MATERIAL FACT, INCLUDING THE FRAUD, 

FALSIFIED AGREEMENTS, FAKE SIGNATURES 

ON THE NOTE, ASSIGNMENT, THAT PNC DID 

NOT EXIST, THE ILLEGAL USE OF RELS, THAT 

RESPONDENT DID NOT DENY THE FRAUD, 

THAT THE CERTIFICATIONS WERE BOGUS. (Not 

raised below).

POINT VI

RESPONDENT HAS NO STANDING. STANDING 

REQUIRES VALID AGREEMENTS. 

RESPONDENT HELD ONLY COUNTERFEIT VOID 

AGREEMENTS, NO STAKE IN THE OUTCOME 

AND NO DAMAGE OF AN ADVERSE RULING.

POINT VII

APPELLANT'S MOTION TO DISMISS. THE 

COURT AVOIDED APPELLANT'S MOTION TO 

DISMISS THE COMPLAINT. DID NOT RULE ON 

IT. (Not raised below).

POINT VIII
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RESPONDENT'S FAILURE TO JOIN PARTIES. 

THE COURT FAILED TO ORDER PNC BANK, 

ILLEGALLY ON THE NOTE, JOINED. PNC IS A 

NECESSARY PARTY.

POINT IX

ILLEGAL USE OF RELS, PNC. THE COURT 

NEVER ADDRESSED THE ILLEGAL USE OF RELS 

OR THE PAPERED OVER PNC DOCUMENTS. THE 

FRAUDULENT SCHEME VOIDS THE 

CONTRACTS. (Not raised below).

POINT X

DUE PROCESS VIOLATION. THE COURT 

MISSTATED, MISAPPLIED LAW, OVERLOOKED 

THE FACTS, FORGERIES, FAKE SIGNATURES, 

RELS, THE PNC FRAUD, MOTION TO DISMISS, 

ALL EVIDENCED IN ITS DECISION. THE COURT 

DID NOT CONSIDER ANY FACTS OR 

APPELLANT'S [SEVENTY-FIVE] PAGE 

REBUTTAL. A PRO SE DEFENDANT HAS NO 

STANDING IN THE COURT BELOW. IT 

ACCEPTED RESPONDENT'S PLEADINGS 

WITHOUT CHALLENGE. (Not raised below.)

Having reviewed the record, we affirm substantially for the reasons 

expressed by Judge Goodzeit. We add the following brief comments.

Defendant repeats the identical unsubstantiated and unsupported claims 

raised before the Chancery court. He continues to assert these claims without 

any basis in fact or in the record. 
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 Defendant also argued before this court, as he did before the Chancery

court, that the Bank lacked standing to obtain a final judgment. However, 

defendant presented no evidence and offered only conjecture that the Bank 

lacked standing. In response, the Bank provided a certification establishing it 

had possession of the note and a valid assignment of the note to evidence its 

standing. See Deutsche Bank Tr. Co. Ams. v. Angeles, 428 N.J. Super. 315, 318 

(App. Div. 2012). 

Regarding defendant's fraud allegations, we are satisfied those allegations 

were untimely. Defendant had six years from the date of the March 26, 2010 

note and mortgage to raise his fraud-based claims against the Bank.

2

 The sixyear statute of limitations expired on March 26, 2016. However, defendant did 

not assert his fraud-based defenses and claims until August 30, 2017. Therefore,

those claims were properly time barred. 

Nor do we discern any abuse of discretion in the judge's denial of defendant's 

motion to amend his pleadings. Generally, motions to amend pleadings are liberally 

granted, but the determination is left to the sound discretion of the trial court. Bldg.

2

 The judge found defendant submitted the application for a reverse mortgage 

in July 2009, and the note and mortgage were dated March 26, 2010. Thus, 

defendant's fraud-based defenses and counterclaims accrued no later than March 

26, 2010.
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Materials Corp. of Am. v. Allstate Ins. Co., 424 N.J. Super. 448, 484 (App. Div. 

2012); R. 4:9-1. Courts consider the usefulness of the proposed amendment in 

deciding a motion to amend a pleading. Notte v. Merchs. Mut. Ins. Co., 185 N.J. 

490, 501 (2006). Having reviewed the record, we are satisfied that the proposed 

amendments were essentially unchanged from defendant's initial pleadings and did 

not articulate any factual or legal bases for the newly proposed assertions. 

Defendant raised several arguments on appeal that were not presented to 

Judge Goodzeit. We need not consider arguments not properly presented to the trial 

court when an opportunity for such a presentation is available, absent the matter 

going to the jurisdiction of the trial court or a concern of great public interest. See

Nieder v. Royal Indem. Ins. Co., 62 N.J. 229, 234 (1973); R. 2:10-2. Defendant's 

newly asserted arguments do not go to the jurisdiction of the trial court or 

involve matters of great public interest.

To the extent we have not specifically addressed defendant's remaining

arguments, we conclude those arguments lack sufficient merit to warrant 

discussion in a written opinion. R. 2:11-3(e)(1)(E).

Affirmed.