[Cite as PNC Bank, Natl. Assn. v. JP Morgan Chase Bank, Natl. Assn., 2013-Ohio-1046.]

COURT OF APPEALS 

DELAWARE COUNTY, OHIO 

FIFTH APPELLATE DISTRICT 

PNC BANK, NATIONAL 

ASSOCIATION, SUCCESSOR IN 

INTEREST TO NATIONAL CITY BANK, 

N.A. 

 Plaintiff-Appellee 

-vsJP MORGAN CHASE BANK, 

NATIONAL ASSOCIATION, 

SUCCESSOR IN INTEREST OF 

CERTAIN ASSETS AND LIABILITIES 

FROM THE FEDERAL DEPOSIT AND 

INSURANCE CORPORATION, AS 

RECEIVER FOR WASHINGTON 

MUTUAL BANK, F.A. 

 Defendant-Appellant 

JUDGES: 

Hon. Patricia A. Delaney, P.J. 

Hon. William B. Hoffman, J. 

Hon. Sheila G. Farmer, J. 

Case No. 12 CAE 07 0042 

O P I N I O N 

CHARACTER OF PROCEEDING: Appeal from the Delaware County Court of 

Common Pleas, Case No. 08 CVE 11 1568 

JUDGMENT: Affirmed 

DATE OF JUDGMENT ENTRY: March 18, 2013 

APPEARANCES: 

For Plaintiff-Appellee For Defendant-Appellant 

JAMES R. MOATS O. JUDSON SCHEAF, III 

BROAM T. JOHNSON GABE J. ROEHRENBECK 

Carille Patchen & Murphy LLP JASON R. HARLEY 

366 East Broad Street Welin, O'Shaughnessy & Scheaf LLC 

Columbus, Ohio 43215 240 N. Fifth Street, Suite 300 

 Columbus, Ohio 43215 

 
Delaware County, Case No. 12 CAE 07 0042 2

Hoffman, J. 

{¶1} Defendant-appellant JP Morgan Chase Bank, National Association, 

Successor In Interest of Certain Assets and Liabilities from the Federal Deposit and 

Insurance Corporation, As Receiver for Washington Mutual Bank, F.A. appeals the June 

13, 2012 Judgment Entry entered by the Delaware County Court of Common Pleas 

denying its motion for relief from judgment pursuant to Ohio Civil Rule 60(B). Plaintiffappellee is PNC Bank, National Association, Successor in Interest to National City 

Bank, N.A. 

STATEMENT OF THE FACTS AND CASE 

{¶2} On June 19, 1998, Tushar Shelat opened a revolving line of credit with 

National City Bank. Ruma T. Shelat guaranteed the note. The Shelats granted 

National City Bank a mortgage lien to secure the line of credit. 

{¶3} On January 13, 2003, the Shelats borrowed $840,000 from Washington 

Mutual Bank, granting Washington Mutual a mortgage lien to secure the loan. On 

January 17, 2003, pursuant to the terms of the loan, $215,964.53 was paid to National 

City Bank on the line of credit. 

{¶4} Subsequent to paying the proceeds from the Washington Mutual loan on 

the National Bank line of credit, the Shelats proceeded to incur an additional 

$286,615.04 on the National City Bank line of credit. 

{¶5} On September 25, 2008, JP Morgan Chase purchased substantially all of 

Washington Mutual's secured assets, including the mortgage at issue. 
Delaware County, Case No. 12 CAE 07 0042 3

{¶6} On November 24, 2008, National City Bank filed a foreclosure action 

against Tushar B. Shelat and Ruma T. Shelat, naming Washington Mutual Bank, JP 

Morgan Chase Bank's predecessor in interest, as a necessary party defendant. 

{¶7} On February 9, 2009, National City Bank moved for default judgment as 

Washington Mutual had not responded to the complaint. 

{¶8} On March 31, 2009, the trial court granted the motion for default judgment, 

and issued a judgment of foreclosure in favor of National City Bank. 

{¶9} On July 12, 2010, Appellant JP Morgan Chase Bank filed an Ohio Civil 

Rule 60(B) motion for relief from the judgment. JP Morgan Chase maintains their legal 

department never received the summons and complaint pursuant to the established 

corporate policy for handling judicial documents. 

{¶10} On June 8, 2011, via Magistrate's Order, the trial court denied the motion. 

{¶11} Appellant filed objections to the Magistrate's Order. Via Judgment Entry of 

June 13, 2012, the trial court overruled the objections, and adopted the order of the 

Magistrate. 

{¶12} Appellant JP Morgan Chase now appeals, assigning as error: 

{¶13} “I. THE TRIAL COURT ERRED IN DENYING APPELLANT’S CIV.R. 

60(B)(1) MOTION FOR RELIEF FROM A JUDGMENT ENTRY AND DECREE OF 

FORECLOSURE (THE ‘FORECLOSURE ENTRY’) (A COPY OF THE FORECLOSURE 

ENTRY IS ATTACHED HERETO AS APPENDIX A) BECAUSE (1) IT FILED ITS 

MOTION WITHIN A REASONABLE TIME AND LESS THAN ONE YEAR AFTER THE 

FORECLOSURE ENTRY; (2) IT HAS A MERITORIOUS DEFENSE TO THE CLAIMS; 
Delaware County, Case No. 12 CAE 07 0042 4

AND (3) ITS FAILURE TO TIMELY RESPOND RESULTED FROM EXCUSABLE 

NEGLECT. 

{¶14} “II. THE TRIAL COURT ERRED IN DENYING APPELLANT’S CIV.R. 

60(B)(5) MOTION FOR RELIEF FROM THE FORECLOSURE ENTRY BECAUSE (1) 

THAT MOTION WAS MADE WITHIN A REASONABLE TIME AFTER THE 

FORECLOSURE ENTRY; (2) APPELLANT HAS A MERITORIOUS DEFENSE TO THE 

CLAIMS; AND (3) THE FORECLOSURE ENTRY WAS ERRONEOUS AND/OR 

CONSTITUTES EXTRAORDINARY CIRCUMSTANCES THAT WILL CAUSE 

SUBSTANTIAL INJUSTICE. 

{¶15} “III. THE TRIAL COURT COMMITTED PLAIN ERROR BY ENTERING 

THE FORECLOSURE ENTRY AND DENYING APPELLANT’S MOTION FOR RELIEF 

FROM IT BECAUSE THOSE DECISIONS RESULT IN A MANIFEST MISCARRIAGE 

OF JUSTICE AND HAVE A MATERIAL ADVERSE EFFECT ON THE CHARACTER 

OF, AND PUBLIC CONFIDENCE IN, JUDICIAL PROCEEDINGS.” 

I, II, & III 

{¶16} Appellant's assigned errors raise common and interrelated issues; 

accordingly, we will address the arguments together. 

{¶17} Initially, we note, a Rule 60(B) motion is not a substitute for direct appeal. 

Key v. Mitchell, 81 Ohio St.3d 89, 689 N.E.2d 548, 1998–Ohio–643; Bobardier Capital, 

Inc. v. W.W. Cycles, Inc. 155 Ohio App.3d 484, 801 N.E.2d 900, 2003–Ohio–6716; 

Citimortgage, Inc. v. Buttermore, 5th Dist. 2012CA00004, 2012CA00071, 2012-Ohio5351. 

{¶18} Civil Rule 60(B) provides, 
Delaware County, Case No. 12 CAE 07 0042 5

{¶19} "(B) Mistakes; inadvertence; excusable neglect; newly discovered 

evidence; fraud; etc. 

{¶20} "On motion and upon such terms as are just, the court may relieve a party 

or his legal representative from a final judgment, order or proceeding for the following 

reasons: (1) mistake, inadvertence, surprise or excusable neglect; (2) newly discovered 

evidence which by due diligence could not have been discovered in time to move for a 

new trial under Rule 59(B); (3) fraud (whether heretofore denominated intrinsic or 

extrinsic), misrepresentation or other misconduct of an adverse party; (4) the judgment 

has been satisfied, released or discharged, or a prior judgment upon which it is based 

has been reversed or otherwise vacated, or it is no longer equitable that the judgment 

should have prospective application; or (5) any other reason justifying relief from the 

judgment. The motion shall be made within a reasonable time, and for reasons (1), (2) 

and (3) not more than one year after the judgment, order or proceeding was entered or 

taken. A motion under this subdivision (B) does not affect the finality of a judgment or 

suspend its operation." 

{¶21} Appellant initially sought relief from judgment under (B)(2), excusable 

neglect. Appellant argues the failure to timely answer was the result of Washington 

Mutual's collapse and JP Morgan's purchase of the secured assets of Washington 

Mutual such that the procedures to process legal documents did not work in this unique 

circumstance. Alternatively, Appellant asserts, pursuant to 60(B)(5), the foreclosure 

entry would result in windfalls for both Appellee and the Shelats in addition to extreme 

prejudice to Appellant. The Shelats’ personal liability on the note was discharged in 
Delaware County, Case No. 12 CAE 07 0042 6

bankruptcy, and the Shelats' grown children purchased the property at Sheriff's sale 

free of encumbrance. 

{¶22} The question of whether a motion for relief from judgment should be 

granted is entrusted to the sound discretion of the trial court and will not be disturbed on 

appeal absent an abuse of discretion. Strack v. Pelton (1994), 70 Ohio St.3d 172. 

{¶23} Washington Mutual Bank was served with several legal documents during 

the course of the proceedings below and never responded. As such, we do not find the 

trial court abused its discretion in not finding excusable neglect on Appellant’s part. We 

note, Rule 60(B)(1) does not allow for relief from judgment for excusable neglect outside 

of one year from the date of judgment. Further, the Ohio Supreme Court has held Civil 

Rule 60(B)(5) "is not to be used as a substitute for any of the other more specific 

provisions of Civil Rule 60(B)." Caruso-Ciresi, Inc. v. Lohman (1983), 5 Ohio St.3d 64. 

{¶24} In Daroczy v. Lantz, 10th Dist. 2002, 2002 Ohio 5417, the Tenth District 

held where a party had the opportunity to but failed to pursue an appeal, the application 

of Civil Rule 60(B)(5) was barred as the movant could not achieve by Civil Rule 60(B)(5) 

what it could have timely pursued on appeal. 

{¶25} Here, Appellant did not file a timely appeal and is barred from 

consideration of Civil Rule 60(B)(1)-(4). Accordingly, we find the trial court did not 

abuse its discretion in denying the Rule 60(B) motion for relief from judgment. 
Delaware County, Case No. 12 CAE 07 0042 7

{¶26} The June 13, 2012 Judgment of the Delaware County Court of Common 

Pleas is affirmed. 

By: Hoffman, J. 

Delaney, P.J. and 

Farmer, J. concur 

 s/ William B. Hoffman _________________

 HON. WILLIAM B. HOFFMAN 

 s/ Patricia A. Delaney _________________

 HON. PATRICIA A. DELANEY 

 s/ Sheila G. Farmer __________________

 HON. SHEILA G. FARMER 

 
IN THE COURT OF APPEALS FOR DELAWARE COUNTY, OHIO 

FIFTH APPELLATE DISTRICT 

PNC BANK, NATIONAL : 

ASSOCIATION, SUCCESSOR IN : 

INTEREST TO NATIONAL CITY BANK, : 

N.A. : 

 : 

 Plaintiff-Appellee : 

 : 

-vs- : JUDGMENT ENTRY 

 : 

JP MORGAN CHASE BANK, : 

NATIONAL ASSOCIATION, : 

SUCCESSOR IN INTEREST OF : 

CERTAIN ASSETS AND LIABILITIES : 

FROM THE FEDERAL DEPOSIT AND : Case No. 12 CAE 07 0042 

INSURANCE CORPORATION, AS : 

RECEIVER FOR WASHINGTON : 

MUTUAL BANK, F.A. : 

 : 

 Defendant-Appellant : 

 For the reasons stated in our accompanying Opinion, the June 13, 2012 

Judgment of the Delaware County Court of Common Pleas is affirmed. Costs 

to Appellant. 

 s/ William B. Hoffman _________________

 HON. WILLIAM B. HOFFMAN 

 s/ Patricia A. Delaney _________________

 HON. PATRICIA A. DELANEY 

 s/ Sheila G. Farmer __________________

 HON. SHEILA G. FARMER