Court Opinion

ID: 4021454
Source: CourtListenerOpinion
Date Created: 2016-08-03 15:03:59.911671+00
Date Added: 2024-06-11T07:45:00.066781
License: Public Domain

NOT FINAL UNTIL TIME EXPIRES TO FILE REHEARING
                      MOTION AND, IF FILED, DETERMINED

                                              IN THE DISTRICT COURT OF APPEAL

                                              OF FLORIDA

                                              SECOND DISTRICT

LAWRENCE STROMINGER and                       )
ADRIANA STROMINGER,                           )
                                              )
             Appellants,                      )
                                              )
v.                                            )   Case No. 2D15-2788
                                              )
THE BANK OF NEW YORK, as Trustee              )
for the Certificateholders of the CWABS       )
Inc. Asset-Based Certificates, Series         )
2006-IMI,                                     )
                Appellee.                     )
                                              )

Opinion filed August 3, 2016.

Appeal from the Circuit Court for
Hillsborough County; Sandra Taylor, Judge.

Robert E. Biasotti and Christine R. O'Neil
of Biasotti and Associates, St. Petersburg,
for Appellants.

Allyson L. Smith of Albertelli Law, Tampa,
for Appellee.

CRENSHAW, Judge.

             Lawrence and Adriana Strominger appeal the final judgment of mortgage

foreclosure entered against them and in favor of the Bank of New York, as Trustee for

the Certificateholders of the CWABS Inc. Asset-based Certificates, Series 2006-IMI (the
Bank). Because the Bank failed to prove it had standing to foreclose at the inception of

the case, we reverse and remand for dismissal.

              This court employs a de novo standard of review to determine whether a

party has standing to bring a mortgage foreclosure action. St. Clair v. U.S. Bank Nat'l

Ass'n, 173 So. 3d 1045, 1046 (Fla. 2d DCA 2015). A plaintiff seeking to foreclose must

prove it had standing at the time the foreclosure complaint was filed. Focht v. Wells

Fargo Bank, N.A., 124 So. 3d 308, 310 (Fla. 2d DCA 2013). "A plaintiff who is not the

original lender may establish standing to foreclose a mortgage loan by submitting a note

with a blank or special endorsement, an assignment of the note, or an affidavit

otherwise proving the plaintiff's status as the holder of the note." Id.

              At a February 2015 trial, the Bank of New York relied on two documents to

prove it had standing. The first document was an assignment that the trial court

previously determined was fraudulent and "not entitled to introduction in evidence for

any purpose." The second document was a bailee letter dated October 6, 2005. The

bailee letter acknowledges an agreement between Countrywide Home Loans and

Impac Funding, and it identifies a wiring account number to the Bank of New York,

where Countrywide has an account. Both documents fail to prove that the Bank had

possession of the note at the time it filed the original complaint in November 2007.

Because the Bank failed to prove it had standing to enforce the note at the time the

initial complaint was filed, we reverse the final judgment of mortgage foreclosure and

remand for dismissal.

              Reversed and remanded.

CASANUEVA and KELLY, JJ., Concur.

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