Court Opinion

ID: 4681258
Source: CourtListenerOpinion
Date Created: 2021-04-27 16:04:25.228941+00
Date Added: 2024-06-11T08:04:00.512756
License: Public Domain

Digitally signed
                                                                           by Reporter of
                                                                           Decisions
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                          Illinois Official Reports                        to the accuracy
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                                                                           this document
                                  Appellate Court                          Date: 2021.04.26
                                                                           09:22:53 -05'00'

        Greenpoint Mortgage Funding, Inc. v. Hirt, 2020 IL App (1st) 190832

Appellate Court       GREENPOINT MORTGAGE FUNDING, INC., Plaintiff and
Caption               Counter-Defendant-Appellee, v. CYNTHIA HIRT; MORTGAGE
                      ELECTRONIC REGISTRATION SYSTEMS, INC.; GREENPOINT
                      MORTGAGE FUNDING, INC.; TOWN PLACE CONDOMINIUM
                      ASSOCIATION; UNKNOWN OWNERS; and NONRECORD
                      CLAIMANTS, Defendants (Cynthia Hirt, Defendant and Counter-
                      Plaintiff-Appellant).

District & No.        First District, Sixth Division
                      No. 1-19-0832

Filed                 March 27, 2020
Rehearing denied      April 24, 2020

Decision Under        Appeal from the Circuit Court of Cook County, No. 08-CH-16652; the
Review                Hon. Darryl B. Simko, Judge, presiding.

Judgment              Affirmed.

Counsel on            Douglas M. Matton, of Matton Law Offices, and Stephen E. Brown,
Appeal                both of Chicago, for appellant.

                      Jeffrey D. Pilgrim and Matthew O. Stromquist, of Pilgrim Christakis
                      LLP, of Chicago, for appellee.
     Panel                     JUSTICE HARRIS delivered the judgment of the court, with opinion.
                               Presiding Justice Mikva and Justice Cunningham concurred in the
                               judgment and opinion.

                                               OPINION

¶1        This case began as a mortgage foreclosure action by GreenPoint Mortgage Funding, Inc.
      (GreenPoint), against Cynthia Hirt, who filed affirmative defenses and counterclaims seeking
      rescission of the loan and damages pursuant to the Truth in Lending Act (Act) (15 U.S.C.
      § 1601 et seq. (2012)). As the litigation was pending, GreenPoint assigned the mortgage to
      U.S. Bank National Association (U.S. Bank), U.S. Bank and Hirt agreed to refinance the
      mortgage, and U.S. Bank dismissed the foreclosure action. GreenPoint and Hirt litigated Hirt’s
      counterclaims for rescission and damages, with the trial court granting summary judgment for
      GreenPoint regarding rescission in February 2016 and statutory damages in March 2017. On
      appeal, we affirmed the March 2017 summary judgment on statutory damages but reversed the
      February 2016 summary judgment on rescission, finding that a question of fact remained as to
      whether Hirt had three days or three years to seek rescission under the Act. GreenPoint
      Mortgage Funding, Inc. v. Hirt, 2018 IL App (1st) 170921, ¶ 3. On remand, the trial court held
      an evidentiary hearing in February 2019 and entered judgment for GreenPoint in March 2019.
¶2        On appeal, Hirt contends that the March 2019 judgment was against the manifest weight
      of the evidence and that GreenPoint violated the Act by including in a financing statement fees
      prohibited by the Act. For the reasons stated below, we affirm.

¶3                                          I. JURISDICTION
¶4         GreenPoint filed its foreclosure action in May 2008, and Hirt filed her counterclaim for
      rescission and damages in April 2009. The foreclosure action was dismissed without prejudice
      in October 2015. The circuit court granted summary judgment for GreenPoint as to Hirt’s
      rescission claim in February 2016 and statutory damages claims in March 2017. Hirt appealed,
      and in January 2018, we affirmed in part, reversed in part, and remanded for further
      proceedings. The circuit court held an evidentiary hearing in February 2019 and entered
      judgment for GreenPoint on March 22, 2019. Hirt filed her notice of appeal on April 18, 2019.
      Accordingly, this court has jurisdiction over this matter pursuant to article VI, section 6, of the
      Illinois Constitution (Ill. Const. 1970, art. VI, § 6) and Illinois Supreme Court Rules 301 (eff.
      Feb. 1, 1994) and 303 (eff. May 30, 2008).

¶5                                       II. BACKGROUND
¶6        Hirt refinanced her mortgage loan on certain real property in Schaumburg, Illinois, in May
      2005, and GreenPoint lent Hirt $219,200 secured by the property. Hirt failed to make a required
      payment on the loan on February 1, 2008. On February 12, 2008, Hirt sent GreenPoint a notice
      of rescission pursuant to the Act asserting that GreenPoint failed to comply with the Act’s
      various disclosure requirements and that she was therefore entitled to rescind the loan.
      GreenPoint received Hirt’s notice of rescission on February 15, 2008.

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¶7                                          A. Initial Litigation
¶8         GreenPoint filed a mortgage foreclosure complaint in May 2008 alleging Hirt’s failure to
       make monthly payments from February 1, 2008, onward. A copy of the mortgage was attached.
¶9         Hirt filed her appearance, answer, and affirmative defenses in January 2009, denying every
       allegation in the complaint. Her affirmative defenses alleged that she mailed a notice of
       rescission to GreenPoint on February 12, 2008, which it received on February 15, because it
       had failed to comply with “various requirements of” the Act and related regulations (12 C.F.R.
       § 226 (2008) (Regulation Z)) by not providing “an adequate number of copies of the Notice of
       Right to Cancel” (hereinafter Notice of Right) or “adequate disclosures” under the Act. She
       alleged that her notice rendered the note and mortgage void ab initio so that GreenPoint had
       no security interest in her property and could not maintain a foreclosure action. Hirt asked the
       court to dismiss the foreclosure action with prejudice, declare the entire loan transaction void,
       order GreenPoint to refund any money she paid under the transaction, award statutory damages
       for GreenPoint’s alleged failures to make proper disclosure and to honor the rescission, and
       award costs and attorney fees. Attached were Hirt’s rescission letter and a certified mail receipt,
       with the former stating that Hirt was rescinding because of GreenPoint’s “failure to comply
       with the Truth In Lending Act and its implementing regulations, including, but not limited to,
       Regulation Z.”
¶ 10       In April 2009, Hirt filed her counterclaim against GreenPoint, asserting that it had violated
       the Act and Regulation Z by failing to (1) provide her with two copies of the Notice of Right
       and (2) properly and accurately disclose various terms of the loan agreement including the
       finance charge. Hirt asserted that, due to these violations, her right to rescind under the Act
       was not three days but three years so that her February 2008 rescission notice was timely. She
       alleged that GreenPoint failed after the rescission to take any action necessary to terminate the
       security interest in Hirt’s property or to return any money to her. Hirt sought termination of
       the loan transaction, refund of any money she paid under the transaction, statutory damages
       for GreenPoint’s alleged failures to make proper disclosure and to honor the rescission, actual
       damages, and attorney fees. Attached to the counterclaim were the mortgage, the loan note
       underlying the mortgage, and the rescission letter and certified mail receipt.
¶ 11       GreenPoint filed its answer to the counterclaim in May 2009, denying that it violated the
       Act and Regulation Z and specifically denying that it failed to (1) provide two copies of the
       Notice of Right or (2) properly disclose the terms of the loan agreement. GreenPoint denied
       that Hirt timely rescinded the transaction but acknowledged the content of the purported
       rescission letter and the mailing receipt. GreenPoint acknowledged its refusal to release the
       mortgage or refund Hirt but denied any impropriety. GreenPoint acknowledged the contents
       of the note and mortgage and that the loan was not made to finance the purchase or initial
       construction of Hirt’s property. GreenPoint asserted affirmative defenses of limitations,
       estoppel, laches, and waiver; reiterated that it properly made all disclosures and provided all
       notices; and claimed that Hirt would be unjustly enriched if she received her relief.
¶ 12       In the course of discovery, Hirt was deposed in August 2009. She acknowledged signing a
       receipt at the May 2005 closing that she was provided with two copies of the Notice of Right.
       However, she testified to leaving the closing with only one copy of the Notice of Right, which
       she did not realize until she reviewed her entire closing packet with her attorney in 2008. After
       she left the closing with the loan documents in the folder given to her, she went home and
       placed the folder into a file cabinet where it remained until she gave it to her attorney. She

                                                    -3-
       never looked at the folder during that time, nor did she review it before meeting with her
       attorney. Hirt last made a payment on the mortgage loan in January 2008 and decided to not
       make further payments because she was in financial difficulty due to medical bills. She
       acknowledged signing at the closing a disclosure stating and defining the amount financed
       ($217,609.58), finance charge ($283,262.50), annual percentage rate (5.972%), monthly
       payment schedule, and total payments ($500,872.08) for the mortgage loan. Hirt understood
       that, if her rescission claim was successful, her loan and mortgage obligations would end but
       she would have to repay the amount she borrowed minus finance charges. However, she did
       not know if she could make that repayment. She did not have more than $200,000 in assets or
       in any bank account, nor did she own any real property other than the mortgaged property at
       issue.
¶ 13       GreenPoint moved to substitute U.S. Bank as plaintiff, which the court did in August 2014.
       U.S. Bank later moved to dismiss the foreclosure complaint without prejudice because Hirt
       had accepted a loan modification. In October 2015, the court dismissed the foreclosure
       complaint without prejudice, with each party to bear its own costs and attorney fees.

¶ 14                                       B. Summary Judgment
¶ 15       In November 2015, GreenPoint moved for summary judgment on Hirt’s counterclaim,
       arguing that (1) it could not grant rescission of the loan and mortgage once it had conveyed its
       interest to U.S. Bank and (2) Hirt’s claim was barred by her “admitted inability to tender
       repayment of the Loan” as provided in the Act and Regulation Z. GreenPoint also argued that
       Hirt’s counterclaim was barred by the one-year limitation period in the Act for damages claims
       arising from failing to provide adequate disclosures. 15 U.S.C. § 1640(a), (e) (2012).
       GreenPoint argued that it did not violate the Act and Regulation Z as alleged because Hirt
       acknowledged in her deposition that she signed documents (1) stating that she received the
       requisite two copies of the Notice of Right and (2) disclosing the requisite terms of the loan
       and mortgage.
¶ 16       Hirt responded to the summary judgment motion, arguing that there was a genuine issue of
       material fact as to whether she received two copies of the Notice of Right because signing a
       document stating she received two copies created a rebuttable presumption, which she rebutted
       with her deposition testimony. Regarding the Act’s limitation period, Hirt argued that section
       13-207 of the Code of Civil Procedure (735 ILCS 5/13-207 (West 2014)) preserved her
       counterclaim. She argued that her rescission claim was not moot merely because GreenPoint
       had transferred its interest in the loan and mortgage, as rescission would involve the original
       issuer and all subsequent holders of the loan and mortgage, nor because she refinanced with
       U.S. Bank. She argued that alleged violations of the Act must be adjudicated before ability to
       tender repayment is considered.
¶ 17       In February 2016, the court granted summary judgment for GreenPoint as to Hirt’s
       rescission claim but denied it as to Hirt’s damages claims, finding that the latter were not time-
       barred because they were preserved by section 13-207.
¶ 18       In a pretrial conference memorandum, Hirt claimed that GreenPoint had included in the
       computation of the finance charge at the closing a $300 appraisal fee that the Act (15 U.S.C.
       § 1605(e)(5) (2012)) excludes from the finance charge to be disclosed under the Act. She
       alleged that “inclusion of the appraisal fee, and other prohibited fees, skewed the calculations

                                                   -4-
       of the requisite numerical disclosures to her, thereby causing the aforementioned violations”
       of the Act.
¶ 19       GreenPoint then filed a supplemental motion for summary judgment, arguing that Hirt was
       raising the appraisal fee claim for the first time. It also argued that the appraisal fee was listed
       as a settlement charge at the closing but not included in the computation of the finance charge
       and that “the disclosed finance charge would still have been well within the tolerance for
       accuracy allowed” by the Act because the Act provides that no liability arises from a disclosed
       finance charge higher than the statutorily defined finance charge. 15 U.S.C. § 1605(f)(1)(B)
       (2012).
¶ 20       Hirt responded to the supplemental motion for summary judgment, arguing that the
       appraisal fee claim was inadmissible for summary judgment purposes under Illinois Rule of
       Evidence 408 (eff. Jan. 1, 2011) because it was disclosed during settlement negotiations. Hirt
       stated that she did not previously mention the appraisal fee claim and it was not mentioned in
       the counterclaim or any earlier motion pleadings. Hirt also asserted that the finance charge
       disclosed at the closing included various particular fees—notably, other than the appraisal
       fee—not included by the Act in the finance charge. Lastly, she argued that section
       1605(f)(1)(B) of the Act exempting overstatements from liability should be read in light of
       section 1605(e) imposing liability for including certain charges in the finance charge so that
       only overstatements other than those expressly listed in section 1605(e) are excluded from
       liability.
¶ 21       GreenPoint also filed a motion to reconsider the February 2016 partial denial of summary
       judgment, citing a recently decided case (Beneficial Illinois Inc. v. Parker, 2016 IL App (1st)
       160186) to argue that Hirt’s damages claims were time-barred. Hirt responded, claiming that
       the aforesaid case was not published and, thus, not citeable and also arguing that her damages
       claims were timely raised in her counterclaim as provided in section 13-207.
¶ 22       In March 2017, the trial court heard argument on GreenPoint’s reconsideration motion and
       granted summary judgment for GreenPoint on Hirt’s statutory damages claims. The court
       found that damages claims under the Act were time-barred and not preserved by section 13-
       207. Its order stated that its “ruling completes adjudication of Hirt’s claims and renders
       unnecessary consideration” of GreenPoint’s supplemental motion for summary judgment.

¶ 23                                               C. Appeal
¶ 24       On appeal from the summary judgments, Hirt contended that a question of fact remained
       as to whether she timely rescinded. GreenPoint Mortgage Funding, Inc., 2018 IL App (1st)
       170921, ¶ 18. The Act provides that “a loan made in a consumer credit transaction[,] ***
       secured by the borrower’s principal dwelling,” may be rescinded by the borrower under the
       Act up to three business days after the transaction, or up to three years afterwards if the lender
       “fails to deliver certain forms or to disclose important terms accurately” to the borrower. Beach
       v. Ocwen Federal Bank, 523 U.S. 410, 411 (1998) (citing 15 U.S.C. § 1635 (2012)). The Act
       permits borrowers to rescind “the transaction” including removal of the security interest on the
       property and the return of certain fees incurred during the transaction. 15 U.S.C. § 1635(a), (b)
       (2012). Hirt contended that her right to rescind was extended to three years—May 2008,
       rendering her February 2008 rescission timely—because GreenPoint failed to provide two
       copies of the Notice of Right. GreenPoint Mortgage Funding, Inc., 2018 IL App (1st) 170921,
       ¶ 20.

                                                    -5-
¶ 25        Hirt acknowledged signing, at the closing, a written acknowledgment that she was provided
       all the required forms including two copies of the Notice of Right. Id. However, section 1635(c)
       of the Act provides that such a form creates only a “rebuttable presumption of delivery” (15
       U.S.C. § 1635(c) (2012)), which Hirt contended was rebutted by her deposition testimony so
       that there was an issue of material fact. GreenPoint Mortgage Funding, Inc., 2018 IL App (1st)
       170921, ¶ 20. We agreed with Hirt that her deposition testimony that she received only one
       copy of the Notice of Right was sufficient to rebut the presumption created by the
       acknowledgment and create a genuine issue of material fact. Id. ¶¶ 21-22.
¶ 26        We found that the issue of rescission was not rendered moot by U.S. Bank substituting as
       plaintiff, refinancing Hirt’s mortgage, and dismissing the foreclosure complaint. Id. ¶¶ 23-25.
       Section 1635(b) of the Act provides that, “[w]ithin 20 days after receipt of a notice of
       rescission, the creditor shall return to the obligor any money or property given as earnest
       money, downpayment, or otherwise, and shall take any action necessary or appropriate to
       reflect the termination of any security interest created under the transaction.” (Emphasis
       added.) 15 U.S.C. § 1635(b) (2012). Accepting that GreenPoint could no longer release the
       security interest, we found that Hirt could still claim that GreenPoint must “return ‘any money
       or property given as earnest money, downpayment, or otherwise’ while still the holder of the
       mortgage.” GreenPoint Mortgage Funding, Inc., 2018 IL App (1st) 170921, ¶ 24 (quoting 15
       U.S.C. § 1635(b) (2012)).
¶ 27        We affirmed the March 2017 summary judgment regarding statutory damages. Id. ¶ 34.
       We found that Hirt forfeited on appeal any challenge regarding damages arising out of
       violations of the Act at the May 2005 closing, preserving only damages arising from
       GreenPoint not honoring Hirt’s rescission. Id. ¶ 28. Moreover, we found that section 13-207
       did not preserve Hirt’s counterclaim because the Act’s limitation provision (15 U.S.C.
       § 1640(e) (2012)) allows untimely claims for setoff or recoupment only, which Hirt’s
       counterclaim was not once the foreclosure complaint was dismissed. GreenPoint Mortgage
       Funding, Inc., 2018 IL App (1st) 170921, ¶¶ 30-33. We reversed the February 2016 summary
       judgment on rescission and remanded for an evidentiary hearing on the “disputed factual
       question as to whether Hirt received the requisite disclosures when the closing took place on
       May 13, 2005.” Id. ¶ 36.

¶ 28                                    D. Postremand Proceedings
¶ 29        Following remand, and with leave of the trial court, Hirt filed an amended counterclaim in
       July 2018 adding U.S. Bank as an additional defendant to the rescission claim. However, later
       in July 2018, Hirt voluntarily withdrew her amended counterclaim with leave to file a second
       amended counterclaim. Hirt did not file another amended counterclaim.
¶ 30        The court held an evidentiary hearing in February 2019 with Hirt as the sole witness. She
       testified that she entered into the transaction with GreenPoint in May 2005 to borrow money
       for medical expenses. She had been through “several” mortgage transactions, having owned
       “eight different properties over the course of [her] lifetime.” On the day of the closing, May
       13, 2005, Hirt had a medical appointment—follow-up from an earlier foot surgery that was
       still causing her pain—in the morning before the closing in the early afternoon. 1 At the closing,

          1
            Hirt’s counsel examined her at length and in detail about her movements and occurrences on the
       day of closing, from waking up onwards. She answered these questions promptly and fully.

                                                    -6-
       a woman presented Hirt with a packet of documents and asked her to sign at each line indicated
       by a tab. The woman did not describe the documents to Hirt. For about 15 minutes, Hirt signed
       as indicated, with nobody else in the room at the time. The woman then returned, took the
       signed documents to be copied, and again returned and gave Hirt an envelope, telling her that
       she was “all done.” Hirt placed the envelope in her bag and went home.
¶ 31        On the way home, Hirt felt that the closing “didn’t smell right” in comparison to her other
       closings because “no one was there *** to explain anything to me.” When she reached home,
       she placed the envelope in her filing cabinet without taking anything from it or adding anything
       to it. The next time she saw the envelope was when she removed it from the cabinet to bring
       to her attorney in 2008. Hirt testified that a certain envelope was the envelope from the closing
       and recognized the documents inside the envelope as the documents from the closing. At the
       meeting with her attorney, Hirt and her attorney reviewed the documents in the envelope and
       found that none were signed, dated, or notarized. There was only one copy of the Notice of
       Right in the envelope. Hirt then instructed her attorney to send a letter of cancellation. Up to
       that point, Hirt had made payments on the loan. She stopped making payments “[b]ecause we
       were in dispute over whether or not I should be paying.” A foreclosure action was filed against
       Hirt after her cancellation.
¶ 32        On cross-examination, Hirt could not recall when the previous refinancing to the closing
       at issue occurred nor who was the lender on her original refinancing. “Possibly” the previous
       refinancing to May 2005 was in January 2005. She attributed her superior recall of the events
       of the day of the May 2005 closing to her foot pain at the time and to her “gut feeling” that the
       May 2005 closing was not “appropriate.” She could not recall on which date her foot surgery
       was performed, though it caused her significant pain. When Hirt was deposed in 2009, she
       testified that she did not recall which documents she received or reviewed at the closing nor
       whether she received signed copies of the closing documents. At the hearing, Hirt
       acknowledged a copy of the Notice of Right, with her signature, stating that she received two
       copies thereof. When asked if she reviewed the closing documents before signing, Hirt replied
       that she signed without reviewing them. Hirt was then shown her deposition testimony that she
       reviewed the closing documents before signing them. Hirt was current on her loan payments
       when she went to see her attorney in 2008, and she decided to stop making payments only after
       that meeting.
¶ 33        When asked why she consulted counsel in 2008 regarding a 2005 loan, Hirt answered that
       the May 2005 mortgage loan “just didn’t feel right” compared to her previous mortgages and
       a friend recommended an attorney to her. Hirt did not send the envelope or its contents to her
       attorney before they met in February 2008 to review the envelope’s contents together. About
       a week later, her counsel sent GreenPoint the rescission letter. Hirt acknowledged that she
       wanted to cancel the GreenPoint mortgage loan “solely based on that, on getting one copy of
       [the Notice of Right] in your loan packet.” Hirt since refinanced the loan on her property more
       than once but testified that she “had no issue at all” with those loans because she “received the
       appropriate materials under law.” However, when Hirt was shown the closing documents from
       one of her earlier refinancings, Hirt’s counsel stipulated that there was only one copy of the
       Notice of Right in those earlier closing documents. Hirt did not “go through the packet page
       by page with” counsel on that earlier loan. Hirt had placed the document packet from that
       closing in her filing cabinet, as she did with the envelope in this case, and stated “I believed I

                                                   -7-
       never touched them” because she had “no reason to touch them” until she brought those closing
       documents to her attorney as well.
¶ 34       When asked why she was suing GreenPoint, Hirt replied “because I didn’t receive one
       copy.” She understood that only her rescission claim remained from her counterclaim. She
       acknowledged that the GreenPoint mortgage loan had been since modified but could not recall
       whether she told U.S. Bank that she was challenging the GreenPoint loan. However, she then
       acknowledged her 2015 loan modification agreement with U.S. Bank, which stated in relevant
       part that the May 2005 mortgage loan was still in full force and effect except as modified
       therein and that the May 2005 documents were a valid, binding, and enforceable agreement.
¶ 35       On redirect examination, Hirt testified that the closing documents from the GreenPoint
       mortgage loan provided by GreenPoint at the hearing bore her signatures and those of another
       person, along with the signatures and stamps of a notary. However, nobody was in the room
       with Hirt when she signed, and she neither added documents to, nor removed documents from,
       the envelope of closing documents at issue. She denied that anyone mailed her signed copies
       of the closing documents. The documents, including the Notice of Right, in the envelope Hirt
       provided her attorney did not have Hirt’s signature. By contrast, the closing documents she
       received from her January 2005 closing, for which she also did not touch the envelope
       afterwards, were all signed.
¶ 36       When Hirt was asked to consider a settlement statement from the GreenPoint closing,
       GreenPoint objected. Hirt’s counsel explained that Hirt testified on cross-examination that the
       single copy of the Notice of Right was her only basis for rescission, but counsel wanted to
       elicit that certain charges on the settlement statement violated section 1605(e) of the Act. The
       court sustained the objection.
¶ 37       On recross-examination, Hirt testified that her “bad feeling” about the May 2005 closing
       came from the unsigned closing documents. However, she then acknowledged that she did not
       examine the contents of the closing envelope until she met with counsel. She attributed her
       “bad feeling” to the absence of anyone at the closing explaining the documents as she signed
       them.
¶ 38       On March 22, 2019, the court entered judgment for GreenPoint. The court recited that this
       court remanded for an evidentiary hearing on whether Hirt received only one copy of the
       Notice of Right. The court acknowledged that Hirt so testified but found “Hirt’s testimony on
       the whole to be discountable as not credible.” Thus, her rescission did not fall under the Act’s
       three-year extended rescission period. The court noted Hirt’s detailed recollection of the day
       of the May 2005 closing on direct examination, contrasted to her inability to recall details of
       her other loans on cross-examination. The court found that Hirt never testified directly to
       noticing at the closing that she received only one copy of the Notice of Right. The court noted
       discrepancies between her hearing and deposition testimony, including her earlier testimony
       that she reviewed the closing documents before signing them and her later testimony that she
       did not. The court found that Hirt testified that her suspicion of the closing at issue came from
       the unsigned documents, but she could not know that her copies of the closing documents were
       unsigned until she opened the envelope with counsel in 2008 and learned that she received
       only one copy of the Notice of Right. The court also noted Hirt’s evidence that her earlier loan
       closing documents had the same Notice of Right issue as the GreenPoint mortgage loan and
       found that “too convenient.” Lastly, the court found that the closing document from the U.S.
       Bank loan modification, in which Hirt represented that the GreenPoint mortgage loan was valid

                                                   -8-
       and binding, worked to “underscore the lack of overall credibility of her testimony.” The court
       concluded that Hirt did not meet her burden of proving by a preponderance of the evidence
       that she received only one copy of the Notice of Right. This appeal timely followed.

¶ 39                                        III. ANALYSIS
¶ 40       On appeal, Hirt contends that the March 2019 judgment was against the manifest weight
       of the evidence and that GreenPoint violated the Act by including certain fees in a financing
       statement contrary to section 1605(e) of the Act.

¶ 41                                   A. Section 1605(e) Claim
¶ 42       We may briefly dispose of the latter claim. As Hirt notes, she alleged in the trial court that
       GreenPoint improperly included certain fees in the finance charge at the May 2005 closing in
       violation of section 1605(e). However, the trial court granted summary judgment for
       GreenPoint on Hirt’s rescission claim in February 2016 and on her statutory damages claims
       in March 2017, with the two orders disposing of all claims raised in and under her
       counterclaim. In our earlier opinion, we affirmed the March 2017 summary judgment,
       reversing and remanding for further proceedings on the rescission claim only. Id. ¶¶ 34-36.
       Specifically, we remanded for an evidentiary hearing on the disputed factual issue of whether
       Hirt received the requisite two copies of the Notice of Right under the Act. Id. ¶¶ 20-22, 36.
       Thus, regardless of whether our earlier opinion expressly addressed the section 1605(e) claim,
       we conclude that our earlier affirmance of the summary judgments except for the limited
       question upon which we reversed and remanded does not leave room for Hirt to now reassert
       her section 1605(e) claim. For sake of completeness, we also find that the trial court did not
       err in not allowing Hirt’s counsel to examine her in the evidentiary hearing regarding the
       settlement statement and section 1605(e).

¶ 43                                        B. Manifest Weight
¶ 44       When the trial court conducts an evidentiary hearing, we review whether the court’s factual
       findings were against the manifest weight of the evidence and review any questions of law
       de novo. Forest Preserve District of Cook County v. Royalty Properties, LLC, 2018 IL App
       (1st) 181323, ¶ 23. A finding is against the manifest weight of the evidence only if the opposite
       conclusion is clearly evident or the finding is unreasonable, arbitrary, or not based on the
       evidence presented. Id. Because the trial court is in a superior position to this court in weighing
       witness testimony, we do not substitute our judgment for its determinations of credibility and
       the weight of evidence. Id.; 1472 N. Milwaukee, Ltd. v. Feinerman, 2013 IL App (1st) 121191,
       ¶ 21. A trier of fact “is free to accept or reject testimony and give whatever weight it deems
       appropriate to the evidence submitted.” Northwestern Memorial Hospital v. Sharif, 2014 IL
       App (1st) 133008, ¶ 26.
¶ 45       A decision that a party raised a question of material fact sufficient to withstand a summary
       judgment motion is distinguishable from a decision following an evidentiary hearing, with
       “entirely different burdens.” Forest Preserve District of Cook County, 2018 IL App (1st)
       181323, ¶ 33. For a summary judgment motion, the documents and exhibits must be considered
       in the light most favorable to the nonmovant, and all well-pleaded facts are taken as true, so
       that “there is no weighing of the strength of the nonmovant’s allegations, but only a

                                                    -9-
       determination that there is a question of fact that would entitle the case to move forward.”
       (Emphasis in original.) Id.
¶ 46        Here, the trial court’s judgment for GreenPoint was based on its determination that Hirt
       had not shown by a preponderance of evidence that she received only one copy of the Notice
       of Right, which in turn was based on the court’s conclusion that Hirt was not credible. As we
       stated in our prior appeal, the signed Notice of Right indicated that Hirt received two copies of
       the Notice of Right, which Hirt then rebutted by her deposition testimony that she received one
       copy. GreenPoint Mortgage Funding, Inc., 2018 IL App (1st) 170921, ¶¶ 20-22. While Hirt’s
       credibility was not at issue at that point due to the nature of summary judgment, it is clear
       under such circumstances that Hirt’s credibility at the mandated evidentiary hearing was
       central.
¶ 47        We do not find the court’s conclusion that Hirt was not credible to be unreasonable,
       arbitrary, or not based on evidence. Firstly, Hirt testified to detailed knowledge of her
       movements and occurrences on the day of the May 2005 closing but then could not recall when
       her previous refinancing occurred or with which lender. Though she explained her superior
       recall of the day of closing by noting that her foot was in pain from recent surgery, she also
       could not recall what date the surgery occurred, which tends to cast doubt on her assertion that
       pain focused her memory.
¶ 48        Secondly, Hirt’s deposition testimony differed significantly from her hearing testimony on
       the relevant matter of whether she reviewed the documents at the GreenPoint mortgage loan
       closing in May 2005. In her deposition, she replied “Yes” when asked if she recalled reviewing
       the documents before signing. However, in her hearing testimony she testified clearly that she
       did not review the documents and merely signed them where indicated. We do not consider
       this inconsistency immaterial in light of her testimony that her suspicion of the GreenPoint
       transaction was based on her account that nobody sat with her as she signed or explained the
       closing documents to her. If that was contrary to her experience with prior closings, as she
       testified, then her hearing testimony that she did not review the documents for herself before
       signing them is even more incongruous.
¶ 49        Lastly, there was hearing evidence that, when Hirt obtained a loan modification from U.S.
       Bank in 2015 after it purchased the GreenPoint mortgage loan, she agreed that the GreenPoint
       transaction was still valid, binding, and enforceable. Notably, the 2015 modification resulted
       in U.S. Bank dismissing the foreclosure complaint against Hirt. At the same time, Hirt was
       claiming in the trial court through her counterclaim that the GreenPoint transaction was void
       ab initio and that she was thus entitled to damages, attorney fees, and costs. We agree with the
       trial court that Hirt staking out diametrically opposed positions, to her benefit in each instance,
       does not speak well to her overall credibility.
¶ 50        In sum, we cannot conclude that the opposite of the trial court’s conclusion—that Hirt was
       credible and proved that she received only one copy of the Notice of Right—is clearly evident.

¶ 51                                    IV. CONCLUSION
¶ 52      Accordingly, we affirm the judgment of the circuit court.

¶ 53      Affirmed.

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