[Cite as Bank of New York Mellon v. Ettayem, 2014-Ohio-4487.]

COURT OF APPEALS 

DELAWARE COUNTY, OHIO 

FIFTH APPELLATE DISTRICT 

THE BANK OF NEW YORK MELLON 

fka THE BANK OF NEW YORK, AS 

TRUSTEE 

 Plaintiff-Appellee 

-vsASHRAF A. ETTAYEM, et al. 

 Defendants-Appellants 

JUDGES: 

Hon. William B. Hoffman, P. J. 

Hon. W. Scott Gwin, J. 

Hon. John W. Wise, J. 

Case No. 14 CAE 04 0020 

O P I N I O N 

CHARACTER OF PROCEEDING: Civil Appeal from the Court of Common 

Pleas, Case No. 12 CVE 09 1058 

JUDGMENT: Affirmed 

DATE OF JUDGMENT ENTRY: October 8, 2014 

APPEARANCES: 

For Plaintiff-Appellee For Defendant-Appellant Ettayem 

ASHLEY E. MUELLER MATTHEW J. RODA 

JASON A. WHITACRE 522 North State Street 

LAW OFFICEF OF JOHN D. CLUNK CO. Westerville, Ohio 43082 

4500 Courthouse Blvd., Suite 400 

Stow, Ohio 44224 
Delaware County, Case No. 14 CAE 04 0020 2

Wise, J. 

{¶1} Appellant Ashraf A. Ettayem appeals the decision of the Court of Common 

Pleas, Delaware County, which granted summary judgment to Appellee Bank of New 

York Mellon in a foreclosure lawsuit. 

STATEMENT OF THE FACTS AND CASE 

{¶2} On December 29, 2004, Appellant Ashraf A. Ettayem executed a 

Promissory Note in favor of America's Wholesale Lender and both Appellant and his 

wife Natasha Ettayem executed a Mortgage in favor of Mortgage Electronic 

Registration Systems, Inc., solely as nominee for America's Wholesale Lender for 

$472,000.00. Complaint, Ex. A, B. The Mortgage was recorded in the Delaware County 

Official Records on January 3, 2005, Book 573, Page 1521. 

{¶3} An Assignment of Mortgage from Mortgage Electronic Registration 

Systems, Inc., acting solely as nominee for America's Wholesale Lender to Bank of 

New York (BONY) was executed on May 1, 2012, and recorded in the Delaware 

County Official Records on May 8, 2012, Book 1119, Page 1726. 

{¶4} On September 19, 2012, BONY filed a complaint in foreclosure. 

{¶5} On November 19, 2012, Appellant was served by certified mail. 

{¶6} On or about January 16, 2012, Appellant, through counsel, filed a Motion 

for Leave to Plead Beyond Answer Deadline. The trial court denied this request and his 

subsequent Motion for Reconsideration. Appellant appealed that denial, which was 

dismissed for lack of final, appealable order. 

{¶7} Subsequent to the remand back to the trial court, BONY filed a motion 

with the trial court to amend its Complaint, which was granted on August 13, 2013. 
Delaware County, Case No. 14 CAE 04 0020 3

{¶8} On August 28, 2013, Appellant filed his Answer. 

{¶9} On November 1, 2013, Appellant propounded its first Request for 

Production of Documents and Interrogatories. 

{¶10} BONY filed a Motion for extension with the trial court, which extended the 

deadline to December 5, 2013. 

{¶11} BONY asked for, and was granted, a second extension until January 6, 

2014. The trial court's order indicated that no further extensions would be granted and 

simultaneously set the dispositive deadline for February 5, 2014. The order also stated 

that failure to comply with the order shall result in the matter being administratively 

dismissed. 

{¶12} On January 6, 2014, BONY served Appellant with its responses to his 

discovery requests and filed a notice of the same with the trial court on January 7, 

2014. 

{¶13} On January 27, 2014, BONY moved for summary judgment. 

{¶14} On February 11, 2014, Appellant filed his memorandum contra to BONY's 

Motion for Summary Judgment. 

{¶15} On February 21, 2014, Appellant filed a Motion for leave to Supplement 

his Memorandum Contra to BONY's Motion. 

{¶16} On February 24, 2014, BONY filed a reply in support of its Motion for 

Summary Judgment in conjunction with a Motion to Strike Exhibits I, II and IV to 

Appellant’s Affidavit. 

{¶17} On March 6, 2014, the trial court issued an Entry granting BONY's Motion 

for Summary Judgment and denying Appellant's Motion for Leave. 
Delaware County, Case No. 14 CAE 04 0020 4

{¶18} On March 7, 2014, a final Order granting BONY judgment on the Note and 

a decree in foreclosure was issued. 

{¶19} Appellant now appeals, assigning the following errors for review: 

ASSIGNMENTS OF ERROR 

{¶20} “I. THE COURT ABUSED ITS DISCRETION IN FAILING TO DISMISS 

PLAINTIFF'S CASE FOR FAILING TO TIMELY RESPOND TO DISCOVERY 

REQUESTS. 

{¶21} “II. THE TRIAL COURT ERRED BY GRANTING SUMMARY JUDGMENT 

WHEN PLAINTIFF FAILED TO PRODUCE CIV.R. 56 MATERIAL EVIDENCE OF AN 

INTEREST IN THE NOTE AND MORTGAGE. 

{¶22} “III. THE TRIAL COURT COMMITTED PREJUDICIAL ERROR IN 

WEIGHING THE EVIDENCE OFFERED BY APPELLANT AND/OR DECLARING IT 

TO BE IRRELEVANT. 

{¶23} “IV. THE TRIAL COURT ABUSED ITS DISCRETION IN DENYING 

APPELLANT LEAVE TO SUPPLEMENT HIS MEMORANDUM CONTRA. 

I. 

{¶24} Appellant’s First Assignment of Error argues that the trial court erred in not 

dismissing Appellee’s complaint for failure to timely respond to discover requests. We 

disagree. 

{¶25} More specifically, Appellant argues that Appellee failed to produce the 

original Note and Mortgage for inspection until after the discover deadline had passed, 

and therefore, the trial court should have dismissed the instant foreclosure action. 
Delaware County, Case No. 14 CAE 04 0020 5

{¶26} Appellee requested and was granted two extensions of the discovery cutoff date, with the last deadline being January 6, 2014. 

{¶27} In its response to Appellant’s discovery request regarding production of 

the original Note and Mortgage, Appellee stated: 

{¶28} "The Original Note and Mortgage are being sent to Plaintiff's Counsel. 

Once available, Plaintiff's Counsel will contact Defendant's Counsel to schedule a 

mutually agreeable date, time and location for inspection." 

{¶29} On January 31, 2014, counsel for Appellee advised Appellant’s counsel 

that they were now in possession of the Note and Mortgage and that same was 

available for inspection. 

{¶30} Appellant did not file a motion to compel with the trial court, instead raising 

the issue in his memorandum contra to Appellee's motion for summary judgment. 

{¶31} We have generally recognized that a trial court has the inherent authority 

to manage its own proceedings and control its own docket. Love Properties, Inc. v. 

Kyles, Stark App.No. 2006CA00101, 2007–Ohio–1966, ¶ 37, citing State ex rel. Nat. 

City Bank v. Maloney, Mahoning App.No. 03 MA 139, 2003–Ohio–7010, ¶ 5. A 

decision regarding the disposition of discovery issues is reviewed under an abuse of 

discretion standard. Contini v. Ohio State Bd. of Edn., Licking App. No. 2007CA0136, 

2008–Ohio–5710, ¶ 46 citing State ex rel. The V Companies v. Marshall (1998), 81 

Ohio St.3d 467, 469, 692 N.E.2d 198. “Abuse of discretion” implies an unreasonable, 

arbitrary or unconscionable attitude on the part of the court. Blakemore v. Blakemore, 5 

Ohio St.3d 217, 219 (1983). 
Delaware County, Case No. 14 CAE 04 0020 6

{¶32} A party may move for an order compelling discovery. Civ.R. 37(A). 

However, it is “well-settled that ‘[a] trial court enjoys broad discretion in the regulation 

of discovery, and an appellate court will not reverse a trial court's decision to sustain or 

overrule a motion to compel discovery absent an abuse of discretion.’ ” Watkins v. 

Holderman, 10th Dist. No. 11AP–491, 2012–Ohio–1707, ¶ 14, quoting Stark v. Govt. 

Accounting Solutions, Inc., 10th Dist. No. 08AP–987, 2009–Ohio–5201, ¶ 14, citing 

Coryell v. Bank One Trust Co. N.A., 10th Dist. No. 07AP–766, 2008–Ohio–2698, ¶ 47. 

{¶33} Further, the decision to dismiss under Civ.R. 37(B)(2)(c) and 41(B)(1) is 

within the sound discretion of the trial court. Quonset Hut, Inc. v. Ford Motor Co., 80 

Ohio St.3d 46, 47, 684 N.E.2d 319 (1997); Toney v. Berkemer, 6 Ohio St.3d 455, 458, 

453 N.E.2d 700 (1983). However, that discretion must be cautiously exercised. 

Quonset Hut, Inc. at 48, 684 N.E.2d 319. Before dismissing claims for violation of a 

discovery order, a trial court must find that the failure to comply is due to willfulness, 

bad faith, or any fault of the plaintiff. Toney at 458, 453 N.E.2d 700. Appellate courts 

will affirm the dismissal “when ‘the conduct of a party is so negligent, irresponsible, 

contumacious or dilatory as to provide substantial grounds for a dismissal with 

prejudice for a failure to * * * obey a court order.’ ” Quonset Hut, Inc. at 48, 684 N.E.2d 

319, quoting Tokles & Son, Inc. v. Midwestern Indemn. Co., 65 Ohio St.3d 621, 632, 

605 N.E.2d 936 (1992). 

{¶34} As stated above, in this case Appellant did not file a motion to compel 

discovery with the trial court. Rather, Appellant raised the issue in his response to 

Appellee's motion to dismiss. 
Delaware County, Case No. 14 CAE 04 0020 7

{¶35} Upon review, we find no abuse of discretion in the trial court's failure to 

dismiss Appellee's claims in this matter. 

{¶36} Appellant’s First Assignment of Error is overruled. 

II., III. 

{¶37} Appellant’s Second Assignment of Error argues that the trial court erred in 

granting summary judgment in favor of Appellee. We disagree. 

STANDARD OF REVIEW - SUMMARY JUDGMENT

{¶38} Our standard of review is de novo, and as an appellate court, we must 

stand in the shoes of the trial court and review summary judgment on the same 

standard and evidence as the trial court. Smiddy v. The Wedding Party, Inc., 30 Ohio 

St.3d 35, 506 N.E.2d 212(1987). 

{¶39} Civil Rule 56(C) states in part: 

{¶40} “Summary judgment shall be rendered forthwith if the pleadings, 

depositions, answers to interrogatories, written admissions, affidavits, transcripts of 

evidence in the pending case, and written stipulations of fact, if any, timely filed in the 

action, show that there is no genuine issue as to any material fact and that the moving 

party is entitled to judgment as a matter of law.” 

{¶41} Summary judgment is a procedural device to terminate litigation, so it 

must be awarded cautiously with any doubts resolved in favor of the non-moving party. 

Murphy v. Reynoldsburg, 65 Ohio St.3d 356, 604 N.E.2d 138(1992). 

{¶42} The party seeking summary judgment bears the initial burden of informing 

the trial court of the basis for its motion and identifying those portions of the record that 

demonstrate the absence of a genuine issue of material fact. The moving party may 
Delaware County, Case No. 14 CAE 04 0020 8

not make a conclusory assertion that the non-moving party has no evidence to prove 

its case. The moving party must specifically point to some evidence that demonstrates 

the non-moving party cannot support its claim. If the moving party satisfies this 

requirement, the burden shifts to the non-moving party to set forth specific facts 

demonstrating there is a genuine issue of material fact for trial. Vahila v. Hall, 77 Ohio 

St.3d 421, 429, 674 N.E.2d 1164(1997), citing Dresher v. Burt (1996), 75 Ohio St.3d 

280, 662 N.E.2d 264(1996). 

{¶43} This appeal shall be considered in accordance with the aforementioned 

rules. 

{¶44} In the instant case, Appellant argues that Appellee failed to produce 

evidence of an interest in the note and mortgage, and that the Affidavit in support of its 

motion for summary judgment was deficient. 

{¶45} To have standing to pursue a foreclosure action, a plaintiff “must establish 

an interest in the note or mortgage at the time it filed suit.” Home Loan Mtge. Corp. v. 

Schwartzwald, 134 Ohio St.3d, 2012–Ohio–5017, 979 N.E.2d 1214. The current holder 

of the note and mortgage is the real party in interest in a foreclosure action. U.S. Bank 

Nat'l. Assn. v. Marcino, 181 Ohio App.3d 328, 2009–Ohio–1178, 908 N.E.2d 1032 (7th 

Dist.), citing Chase Manhattan Corp. v. Smith, 1st Dist. Hamilton No. C061069, 2007–

Ohio–5874. R.C. 1303.31 provides: 

{¶46} (A) A person entitled to enforce an instrument means any of the following 

persons: 

{¶47} (1) The holder of the instrument; 
Delaware County, Case No. 14 CAE 04 0020 9

{¶48} (2) A nonholder in possession of the instrument who has the rights of a 

holder; 

{¶49} (3) A person not in possession of the instrument who is entitled to enforce 

the instrument pursuant to Section 1303.38 or division (D) of section 1303.58 of the 

Revised Code. 

{¶50} (B) A person may be a “person entitled to enforce” the instrument even 

though the person is not the owner of the instrument or is in wrongful possession of the 

instrument. 

{¶51} Upon review, with regard to the Note and Mortgage in this case, we find 

the evidence produced in support of Appellee's motion for summary judgment 

demonstrated: 

NOTE AND MORTGAGE

{¶52} On December 29, 2004, Appellant and Natasha Ettayem executed a 

Mortgage in favor of Mortgage Electronic Registration Systems, Inc. as a nominee for 

America's Wholesale Lender, Fifth Third Mortgage Company. 

{¶53} On December 29, 2004, Appellant executed a Note payable to America's 

Wholesale Lender. 

{¶54} On May 5, 2012, the Mortgage and Note were assigned to The Bank of 

New York Mellon fka The Bank of New York, as Trustee for Certificate holders of 

CWMBS, Inc. CHL Mortgage Pass-through Trust 2005-1, Mortgage Pass-Through 

Certificates, Series 2005-01. 

{¶55} Appellee is the holder of the Note and Mortgage. 
Delaware County, Case No. 14 CAE 04 0020 10

{¶56} Upon review, this Court finds that Appellee BONY attached the Note, 

endorsed in blank, to the Complaint. Appellee also attached with the Complaint the 

recorded assignment of mortgage. 

{¶57} Based on the foregoing, we find that Appellee established that it had 

standing in this matter. 

AFFIDAVIT

{¶58} Appellant herein argues Appellee is not entitled to summary judgment 

because Appellee's affidavit attached to its motion for summary judgment was 

insufficient to support a granting of summary judgment. 

{¶59} More specifically, Appellants contend the note and mortgage were not 

properly authenticated by a custodian of the records as "true and accurate". 

{¶60} In Wachovia Bank Delaware, N.A. v. Jackson, this Court detailed the 

requirements necessary for an affidavit in support of a motion for summary judgment in 

a foreclosure case. 5th Dist. Stark No. 2010–CA–00291, 2011–Ohio–3202. The 

affidavit must show: 

{¶61} (1) the affiant is competent to testify; 

{¶62} (2) the affiant has personal knowledge of the facts, as shown by a 

statement of the operant facts sufficient for the court to infer the affiant has personal 

knowledge; 

{¶63} (3) the affiant must state he or she was able to compare the copy with the 

original and verify the copy is accurate, or explain why this cannot be done; 

{¶64} (4) the affidavit must be notarized; and 
Delaware County, Case No. 14 CAE 04 0020 11

{¶65} (5) any documents the affidavit refers to must be attached to the affidavit 

or served with the affidavit. Id. 

{¶66} Personal knowledge is required to qualify the records of an affidavit under 

the business records hearsay exception of Evid.R. 803(6). To qualify for admission 

under Rule 803(6), a business record must manifest four essential elements: 

{¶67} (i) the record must be one regularly recorded in a regularly conducted 

activity; 

{¶68} (ii) it must have been entered by a person with knowledge of the act, 

event, or condition; 

{¶69} (iii) it must have been recorded at or near the time of the transaction; and, 

{¶70} (iv) a foundation must be laid by the ‘custodian’ of the record or by some 

‘other qualified witness.’ Citimortgage, Inc. v. Cathcart, 5th Dist. Stark No. 

2013CA00179, 2014–Ohio–620. 

{¶71} The phrase “other qualified witness” should be broadly interpreted and it is 

not a requirement that the witness had firsthand knowledge of the transaction giving 

rise to the business record. Id. “Rather, it must be demonstrated that: the witness is 

sufficiently familiar with the operation of the business and with the circumstances of the 

record's preparation, maintenance and retrieval, that he can reasonably testify on the 

basis of this knowledge that the record is what it purports to be, and that it was made in 

the ordinary course of business consistent with the elements of Rule 803(6).” Id.

{¶72} Affidavits which merely set forth legal conclusions or opinions without 

stating supporting facts are insufficient to meet the requirements of Civil Rule 56(E). 

Tolson v. Triangle Real Estate, 10th Dist. Franklin No. 03AP–715, 2004–Ohio–2640. 
Delaware County, Case No. 14 CAE 04 0020 12

However, Ohio law recognizes that personal knowledge may be inferred from the 

contents of an affidavit. Wells Fargo Bank, N.A. v. Dawson, 5th Dist. Stark No. 

2013CA00095. The assertion of personal knowledge in an affidavit satisfies Civil Rule 

56(E) if the nature of the facts in the affidavit combined with the identity of the affiant 

creates a reasonable inference that the affiant has personal knowledge of the facts in 

the affidavit. Id. 

{¶73} In this case, the Affidavit of Lyvonne Jones stated that on December 29, 

2004, Appellant and Natasha Ettayem executed a Mortgage in favor of Mortgage 

Electronic Registration Systems, Inc. as a nominee for America's Wholesale Lender, 

Fifth Third Mortgage Company; on December 29, 2004, Appellant executed a Note 

payable to America's Wholesale Lender; on May 5, 2012, the Mortgage and Note were 

assigned to The Bank of New York Mellon fka The Bank of New York, as Trustee for 

Certificate holders of CWMBS, Inc. CHL Mortgage Pass-through Trust 2005-1, 

Mortgage Pass-Through Certificates, Series 2005-01; that Appellant was in default in 

the Note and that the principal balance due was $437,928.85 at 3% interest per annum 

from February 1, 2012. 

{¶74} Affiant Jones also stated, inter alia, that she is an employee of Resurgent 

Capital Services, LP; that Resurgent Capital Services, LP, is the Plaintiff's servicer of 

Appellant's loan; that she examined/had personal knowledge of Appellant's loan 

account; that she had personal knowledge as to how the loan records are created and 

maintained; that BONY was in possession of Appellant's Note at the time of the filing of 

the Complaint in this matter; and that BONY is the assignee of the Mortgage. 
Delaware County, Case No. 14 CAE 04 0020 13

{¶75} Attached to Jones' Affidavit were copies of the Note and Mortgage 

executed by Appellant and the Assignment of the Mortgage to BONY. 

{¶76} From her position, her statement that she reviewed the documents in the 

instant case, and her statement that she has personal knowledge in this matter, we find 

the documents qualify as an exception to the hearsay rule as a business document. 

We find Jones' affidavit meets the requirements set forth in Wachovia Bank v. Jackson.

The affidavit is properly admissible Civil Rule 56 evidence, and Appellant failed to 

submit any Civil Rule 56 evidence to contradict the affidavit. The trial court did not err 

in granting summary judgment based on Jones' affidavit. 

ASSIGNMENT OF MORTGAGE

{¶77} Appellant also argues that the trial court erred in entering summary 

judgment in favor of Appellee because the assignment of mortgage from MERS to 

BONY was “robo-signed.” In support of this claim, Appellants offered internet research 

questioning the authority of the designated representative and signor, Valerie White. 

Such evidence is not properly considered on summary judgment. Bank of New York 

Mellon Trust Co. v. Unger, 8th Dist. Cuyahoga No. 97315, 2012–Ohio–1950 at ¶ 43. 

Appellants have therefore produced no evidence that the assignment of mortgage in 

this case was in fact robo-signed. 

{¶78} Further, as this Court was explained by the Court in Unger, given that 

there is no dispute that Appellant executed the mortgage to secure the obligations 

owed on the note, Appellant lacks standing to challenge the subsequent assignment of 

the mortgage: 
Delaware County, Case No. 14 CAE 04 0020 14

{¶79} "The mortgage assignments did not alter the Ungers' obligations under the 

note or mortgage. Mellon filed the foreclosure complaint based on the Ungers' default 

under the note and mortgage, not because of the mortgage assignments. The Ungers' 

default exposed them to foreclosure regardless of the party who actually proceeds with 

foreclosure. The Ungers, therefore, failed to show they suffered or will suffer any injury, 

the injury is traceable to the mortgage assignments, and it is likely a favorable decision 

will remedy the injury. The trial court properly granted Mellon's motion for summary 

judgment because the Ungers lacked standing to challenge the mortgage assignments. 

(Citations omitted.) Unger, 2012–Ohio–1950 at ¶ 35; see also Bridge v. Aames Capital 

Corp., N.D. Ohio No. 1:09 CV 2947, 2010 U.S. Dist. LEXIS 103154, *10–16, 2010 WL 

3834059 (Sept. 28, 2010); Smoak, 461 B.R. at 519 (makers of note could not 

challenge mortgage securing the note based on a defect in its assignment, where 

holder provided evidence that the makers granted the mortgage to secure the 

obligations owed on the note)." 

{¶80} Even if the assignment of mortgage in this case was invalid, BONY would 

still be entitled to enforce the mortgage because under Ohio law, the mortgage “follows 

the note” it secures. U.S. Bank N.A. v. Marino, 181 Ohio App.3d 328, 2009–Ohio–

1178, 908 N.E.2d 1032, ¶ 52 (7th Dist.) (“For nearly a century, Ohio courts have held 

that whenever a promissory note is secured by a mortgage, the note constitutes the 

evidence of the debt, and the mortgage is a mere incident to the obligation. Therefore, 

the negotiation of a note operates as an equitable assignment of the mortgage, even 

though the mortgage is not assigned or delivered.”) (Citations omitted.) The physical 

transfer of the note endorsed in blank, which the mortgage secures, constitutes an 
Delaware County, Case No. 14 CAE 04 0020 15

equitable assignment of the mortgage, regardless of whether the mortgage is actually 

(or validly) assigned or delivered. See, e.g., Dobbs, 2009–Ohio–4742 at ¶ 30. 

{¶81} Accordingly, Appellants' Second Assignment of Error is overruled. 

III. and IV. 

{¶82} Appellant’s Third and Fourth Assignments of Error argue that the trial 

court erred in denying Appellant leave to supplement his memorandum contra. We 

disagree. 

{¶83} Appellant filed his Memorandum contra to Appellee's motion for summary 

judgment on February 11, 2014. Then on February 21, 2014, Appellant moved for 

leave to supplement his memorandum contra stating that same was based upon newly 

discovered evidence. Attached to the motion were: Ex. 6: Appellant's 2nd affidavit 

concerning his viewing of the original Note and Mortgage which took place on February 

17, 2014; Ex. V: a copy of the Note executed by Appellant on Dec. 29, 2004; Ex. VI: a 

copy of the Mortgage, executed by Appellant and Natasha Ettayem on Dec. 29, 2004; 

Ex. 7 and 8: copies of the Complaints filed in this matter, on Nov. 19, 2009 and Dec. 8, 

2011. 

{¶84} The trial court found that none of the attachments/exhibits were newly 

discovered evidence and denied Appellant's motion and ordered the exhibits stricken 

from the record. 

{¶85} Upon review, we find that the trial court did not err in denying Appellant 

leave to supplement his memorandum contra as the original Note and Mortgage were 

not newly discovered evidence. Further, Appellant could have viewed same prior to 
Delaware County, Case No. 14 CAE 04 0020 16

February 11, 2014. The remainder of the attachments were likewise not newly 

discovered evidence. 

{¶86} Upon reviewing Appellee's motion for summary judgment and Appellant's 

memorandum contra, the trial court found the following attachments to Appellant's 

memorandum were not relevant to the issues at hand: 

{¶87} Ex. I: Webpage listing Merscorp Holdings Inc. Officers and Mortgage 

Electronic Registration Systems, Inc. Officers 

{¶88} Ex. II: LinkedIn search for Valerie White 

{¶89} Ex. IV: web article/press release with copy of Superior Court of California 

Case No. LC081846 - Proposed Stipulated Judgment and other pleadings (unsigned). 

{¶90} Upon review, we agree with the trial court that the above exhibits were not 

relevant to the issue of whether Appellee was entitled to foreclosure in this case. 

{¶91} Further, we find that the trial court did review the evidence produced by 

Appellant but found that he failed to produce any evidence to dispute BONY's evidence 

that it was entitled foreclosure in this action. 

 
Delaware County, Case No. 14 CAE 04 0020 17

{¶92} Appellant’s Third and Fourth Assignments of Error are overruled. 

{¶93} For the forgoing reasons, the judgment of the Delaware County Court of 

Common Pleas is affirmed. 

By: Wise, J. 

Hoffman, P. J., and 

Gwin, J., concur. 

 

JWW/d 0923 
Delaware County, Case No. 14 CAE 04 0020 18