Court Opinion

ID: 9942346
Source: CourtListenerOpinion
Date Created: 2024-02-20 21:03:59.136173+00
Date Added: 2024-06-11T13:48:00.793076
License: Public Domain

2024 IL App (1st) 220606-U
                                             No. 1-22-0606

                                                                                    FIRST DIVISION
                                                                                    February 20, 2024

      NOTICE: This order was filed under Supreme Court Rule 23 and is not precedent except in the
      limited circumstances allowed under Rule 23(e)(1).
      ____________________________________________________________________________

                                         IN THE
                             APPELLATE COURT OF ILLINOIS
                                FIRST JUDICIAL DISTRICT
      ____________________________________________________________________________

      U.S. BANK NATIONAL ASSOCATION AS                     )     Appeal from the Circuit Court of
      TRUSTEE OF THE BUNGALOW SERIES IV                    )     Cook County.
      TRUST,                                               )
                                                           )
                                                           )
              Plaintiff-Appellee,                          )     No. 10 CH 45741
                                                           )
      v.                                                   )
                                                           )
      DAVID M. LESSER,                                     )     The Honorable
                                                           )     Joel Chupack,
              Defendant-Appellant.                         )     Judge Presiding.

      ____________________________________________________________________________

              JUSTICE PUCINSKI delivered the judgment of the court.
              Presiding Justice Fitzgerald Smith and Justice Lavin concurred in the judgment.

                                                   ORDER

     Held:          In this mortgage foreclosure action, we affirm the decision of the circuit court
                    granting plaintiff summary judgment and confirming the judicial sale of the
                    property. Plaintiff established a prima facie entitlement to foreclosure and
                    defendant-appellant failed to meet his burden to raise an issue of fact supporting
                    his affirmative defenses. Defendant-appellant’s motion to reconsider was also
                    properly denied.

¶1           In this mortgage foreclosure action, defendant-appellant David M. Lesser appeals the

     orders in favor of plaintiff-appellee U.S. Bank National Association as Trustee of the Bungalow
     1-22-0606

     Series IV Trust (“U.S. Bank”) that granted summary judgment in U.S. Bank’s favor, denied

     Lesser’s motion to reconsider, and confirmed the judicial sale of the subject property. For the

     following reasons, we affirm.

¶2                                                  BACKGROUND

¶3           This action stems from loan and mortgage documents executed in August 2007 by Lesser

     and his former spouse, Elizabeth A. Wiener, during their marriage. Harris, N.A. (Harris), made a

     loan to Wiener in the amount of $1 million, evidenced by a promissory note signed by Wiener.

     Significant to this appeal, the loan was made only to Wiener; Lesser did not sign the promissory

     note. The loan was secured by a mortgage encumbering the residence known as 855 W. George

     Street in Chicago, Illinois (the property). Whereas the loan was only in Wiener’s name, both Lesser

     and Wiener executed the mortgage securing the loan. 1

¶4           On the same date in August 2007, Wiener and Lesser signed and executed a second

     mortgage against the property, which secured a home equity line of credit (HELOC) in the

     principal amount of $125,000. However, the second mortgage is not at issue in this appeal.

¶5           In September 2009, Wiener filed a petition for dissolution of marriage. 2 In June 2010, the

     circuit court entered a plenary order of protection granting Lesser exclusive possession of the

     property. In the eventual judgment for dissolution of marriage, Lesser was awarded “100% interest

     in the property free and clear of any claim by Wiener.” BMO Harris Bank, N.A. v. Lesser, 2016 IL

     App (1st) 143115-U, ¶ 8. The record reflects that Lesser continued to reside at the subject property.

             1
               The mortgage identified the “mortgagor” as “David M Lesser and Elizabeth A Wiener, Husband and
     Wife, Not as Joint Tenants or Tenants in Common But as Tenants by the Entirety.”
             2
                 The instant matter was consolidated with the divorce proceeding until December 2018.

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       1-22-0606

¶6             It is undisputed that payments due under the loan stopped in 2010. On October 20, 2010,

       Harris filed a foreclosure complaint against Lesser, Wiener, and others with potential interests in

       the property.3 The complaint contained separate counts regarding the first mortgage securing the

       $1 million loan (count I) and the second mortgage corresponding to the HELOC (count II). Count

       II was eventually dismissed and is not at issue in this appeal. Copies of the loan and mortgage were

       attached to the complaint.

                   ¶7     Lesser’s Affirmative Defenses Based on Harris’ Alleged Fraud

¶8             In July 2011, Lesser filed an answer and pleaded several affirmative defenses. In his

       pleading, Lesser did not dispute the authenticity of the mortgage and loan documents attached to

       the complaint. However, he raised a number of affirmative defenses, all of which were premised

       on alleged fraud by a Harris loan officer regarding the information used to approve the underlying

       2007 loan to Wiener and the corresponding mortgage.

¶9             Lesser pleaded a number of factual allegations common to the affirmative defenses. Lesser

       alleged that since 2001, he and Wiener had entered into a number of different loan transactions

       with Harris, in which they worked with a “particular loan officer” at Harris. Lesser did not identify

       the loan officer by name. Lesser pleaded that by 2007, the loan officer and Harris had detailed

       information about Wiener and Lesser’s income, assets and employment.

¶ 10           Lesser alleged that he and Wiener approached Harris for a new refinancing loan in 2007.

       Lesser pleaded that he and Wiener completed and submitted a residential loan application that

       correctly indicated Lesser’s monthly employment income was $18,000 and that Wiener’s monthly

               3
                 The complaint also named as defendants Meghan Mulhern, Laura Wolbeck, Aileen Rooney, the City of
       Chicago, and “Unknown Owners and non-Record Claimants.” None of those parties is involved in this appeal.

                                                           -3-
       1-22-0606

       employment income as $1200. At that time, Wiener worked part time as a teacher and academic

       administrator.

¶ 11          According to Lesser, Harris’s loan officer subsequently contacted him by telephone and

       told him that Wiener’s credit rating was “excellent and Defendant Lesser’s credit rating was not.”

       The loan officer indicated Harris would agree to a loan of $1,000,000 as well as a $250,000 home

       equity line of credit to be secured by a mortgage on the property executed by both Wiener and

       Lesser. The interest rate for the loan would be lower (5.75%) if Wiener was the sole borrower,

       whereas it would be higher (7.75%) if she and Lesser were co-borrowers. Lesser alleged that in

       reliance upon the loan officer’s representations, he agreed for Wiener to be the sole borrower, with

       both Wiener and Lesser executing a corresponding mortgage. Lesser pleaded that the loan officer

       never indicated that false information about Wiener’s income and employment would be used to

       process the loan.

¶ 12          Lesser alleged that Harris subsequently prepared a typewritten residential loan application

       containing false information that differed dramatically from the correct information provided by

       Wiener and Lesser. The loan application prepared by Harris overstated Wiener’s income level “to

       a number nearly twenty times greater” than that indicated by the prior application prepared by

       Lesser and Weiner. It also falsely stated that Wiener was employed as the president of “Wieners

       Inc.” a non-existent entity. Lesser alleged “upon information and belief” that the fraudulent

       application was prepared by the same loan officer.

¶ 13          Lesser further alleged that the false loan application was “presented for the first time to

       Defendant Wiener at the 2007 Closing when she was asked to sign that document together with

       multiple other documents as part of the standard closing process.” Lesser pleaded that it was never

       disclosed to Wiener or Lesser that the loan application contained false information before Wiener

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       1-22-0606

       was asked to sign it at the closing. Lesser pleaded that he did not review the loan application

       because “he had no reason to believe that it differed in any way” from the previous, accurate loan

       application that he and Wiener prepared.

¶ 14          Lesser alleged that Harris’ misrepresentations and nondisclosures were made with specific

       intent to induce Wiener and Lesser to sign the mortgage documents. Based on these facts, Lesser

       pleaded affirmative defenses of fraudulent inducement, unclean hands, estoppel, illegality, and

       mistake of fact.

¶ 15          In August 2011, Harris filed an answer to Lesser’s affirmative defenses, in which it

       responded it had “insufficient knowledge to either admit or deny” a number of Lesser’s factual

       allegations. After Lesser successfully moved to strike Harris’s answer, Harris was ordered to file

       a new answer or otherwise plead. On November 30, 2011, Harris moved to dismiss the affirmative

       defenses. That motion was denied in July 2012.

¶ 16          In May 2012, Lesser served discovery requests upon Harris, including requests for

       documents relating to the 2007 loan and documents related to the facts alleged in the affirmative

       defenses. The record reflects that Harris’s successor entity, BMO Harris Bank, N.A. (BMO

       Harris), was substituted as the party plaintiff.

            ¶ 17            BMO Harris’ Settlement with Wiener and Related Prior Appeal

¶ 18          In May 2013, BMO Harris and Wiener executed a settlement agreement in which BMO

       Harris agreed to dismiss Wiener from the foreclosure action and Wiener disclaimed any interest

       in the property. See Harris v. Lesser, 2016 IL App (1st) 143115-U, ¶ 9. BMO Harris released

       Wiener “ ‘from all actions, claims, demand, damages, obligations [and] liabilities’ ” related to the

       note and mortgage. Id. However, the settlement agreement also specified that BMO Harris “

       ‘retained the security interest created by the [mortgage]’ ” and that no provision of the agreement

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       1-22-0606

       could be used as a defense to the foreclosure action. Lesser was not a party to the settlement

       agreement.

¶ 19              In October 2013, Lesser moved to dismiss this foreclosure action due to the settlement

       between Wiener and BMO Harris, arguing that BMO Harris had discharged and released the debts

       that were the basis of the foreclosure. The trial court granted that order, but BMO Harris appealed

       (no. 14-3115).

¶ 20              In May 2016, this court reversed the order granting Lesser’s motion to dismiss and

       remanded for further proceedings. BMO Harris Bank, N.A., 2016 IL App (1st) 143115-U. This

       court concluded that the release in the Wiener-BMO Harris settlement did not discharge the

       outstanding debt but “discharged only the personal liability of Wiener who, by virtue of the

       judgment for dissolution of marriage, no longer had a legal interest in the mortgaged property.”

       Id. ¶ 3.

¶ 21              In January 2017, BMO Harris filed its answer to defendant’s affirmative defenses. The

       record reflects that BMO Harris tendered discovery responses to Lesser in October 2017. Lesser

       objected to those responses and subsequently moved for discovery sanctions. That motion was

       ultimately denied.

                        ¶ 22   Assignment of the Underlying Mortgage to U.S. Bank

¶ 23              In 2018, the underlying mortgage was assigned from BMO Harris to another entity, U.S.

       Bank Trust National Association as Trustee for CVF III Mortgage Loan Trust II; that entity was

       substituted as the plaintiff in October 2018. The mortgage was subsequently assigned to U.S. Bank

       Trust National Association as Trustee of the Tiki Series IV Trust. It was then assigned again to the

       plaintiff-appellee herein, U.S. Bank Trust National Association, as Trustee of the Bungalow Series

       IV Trust. For brevity and ease of reference, we refer to these entities as “U.S. Bank.”

                                                       -6-
       1-22-0606

          ¶ 24     U.S. Bank’s 2019 Motion for Summary Judgment and Additional Discovery

¶ 25             In July 2019, U.S. Bank moved for summary judgment, urging the undisputed facts

       evidenced a default with respect to the mortgage and note and that Lesser’s affirmative defenses

       were meritless. U.S. Bank emphasized that Lesser was not a party to the subject note, such that he

       was “limited to being a mortgagor as he pledged his interest in the property as security for the

       loan.”

¶ 26             On September 30, 2019, Lesser filed a motion to compel discovery. In December 2019, the

       court granted that motion in part, requiring “the parties to whom discovery was propounded” to

       provide documents concerning the 2007 loan, as well as copies of loan applications received from

       Wiener or Lesser. U.S. Bank moved to reconsider, noting that Lesser’s discovery requests were

       propounded to BMO Harris, which was no longer a party. The trial court subsequently allowed

       Lesser to propound written discovery to U.S. Bank and to issue third-party discovery to BMO

       Harris. In April 2020, Lesser issued a subpoena to BMO Harris and discovery requests to U.S.

       Bank. BMO Harris and U.S. Bank submitted responses in 2021.

       ¶ 27      U.S. Bank’s Renewed Motion for Summary Judgment and Lesser’s Response and

                                                Counteraffidavit

¶ 28             On September 2, 2021, U.S. Bank filed a renewed motion for summary judgment, a

       “Second Amended Motion for Judgment of Foreclosure and Sale,” and supporting affidavits. U.S.

       Bank included an affidavit of amounts due and owing sworn to by Dani Coe, an asset manager of

       U.S. Bank’s servicing agent.

¶ 29             On November 4, 2021, Lesser filed his response to the motion for summary judgment.

       Lesser maintained that U.S. Bank had not made a prima facie case for foreclosure because there

       were material questions of fact as to whether the loan and mortgage were valid and enforceable.

                                                       -7-
       1-22-0606

       Lesser also argued that there were triable issues of fact pertaining to his allegations of BMO’s

       “fraudulent conduct.” He asserted that the allegations in his affirmative defenses were

       substantiated by documents produced by BMO Harris, which allegedly demonstrated that Harris

       prepared a loan application with false information that was presented to Wiener to sign at closing.

¶ 30          Lesser also suggested that U.S. Bank had not established standing, as the various

       assignments were “inconsistent regarding whether or not the debt, as opposed to the mortgage

       only, has been assigned.” He suggested that the assignment could be “part of BMO’s coverup.”

       Lesser also argued that U.S. Bank’s supporting affidavit was insufficient under Supreme Court

       Rule 113.

¶ 31          Lesser simultaneously submitted an “Affidavit of David M. Lesser in Support of Response

       to Motion for Summary Judgment”            (the counteraffdavit) in which he “reaffirm[ed]” the

       allegations set forth in his answer and affirmative defenses. He stated that in July 2007, he prepared

       a loan application with accurate information regarding his and Wiener’s finances and employment,

       which he submitted by email to BMO Harris. Attached to his counteraffidavit was a copy of that

       loan application, signed by him and Wiener as co-borrowers on July 17, 2007. That application

       indicated that Lesser’s employment income was $18,000 per month, Wiener’s employment income

       was $1200 per month, and that they received an additional $2500 in monthly “Net Rental Income”

       and $350 in monthly “Dividends/Interest.” The application indicated that Lesser was employed by

       “David M. Lesser dba Karian Capital Group and David M. Lesser & Associates,” and that Wiener

       was employed by Kaplan, Inc. as an “instructor.”

¶ 32          According to Lesser’s counteraffidavit, documents produced by BMO Harris showed that

       in August 2007, BMO Harris processed the loan by using “fraudulent” information about Wiener’s

       income that differed dramatically from the correct information that Lesser had provided in the July

                                                        -8-
       1-22-0606

       2007 application. Lesser’s affidavit attached two forms dated August 16, 2007, entitled “Uniform

       Underwriting and Transmittal Summary” and “Harris Bank Multi-Product Pre-Qualification

       Worksheet”, both of which indicated that Wiener’s monthly income was $21,000.00. Those forms

       reflect that they were prepared by Guadulupe Perez as “underwriter” and that Brian Jessen was the

       “Loan Originator.”

¶ 33          Lesser’s counteraffidavit also attached a four-page “Uniform Residential Loan

       Application” form identifying Wiener as the borrower and reflecting that she signed it at two

       separate points, on July 18, 2007 and August 17, 2007. Lesser averred that he recognized Wiener’s

       signature. That loan application indicated that Wiener’s monthly income was $21,100 and that she

       was employed as president of “Weiners Inc.” The same document identified Brian Jessen as the

       “interviewer.” Lesser averred that this income information was dramatically different from the

       correct information that he had previously provided, and that he had never heard of “Weiners Inc.”

       before the instant lawsuit.

¶ 34          The counteraffidavit also attached correspondence from Harris addressed to Wiener dated

       August 2, 2007, informing her that her request for mortgage financing had been approved and

       setting forth the terms of an approved $1 million loan. That correspondence identified Brian Jessen

       as “your Residential Mortgage Specialist.”

¶ 35          Lesser’s counteraffidavit also attached, as a single exhibit, four untitled pages produced by

       BMO Harris that Lesser referred to collectively as the “Investigatory Report.” The first two pages

       of that exhibit consist of a series of typewritten notations, nearly all of which reflect they were

       made from April 2011 through June 2011 and entered by individuals identified only as “ISAIS”

       or “LAURIE.”

                                                       -9-
       1-22-0606

¶ 36           One such entry, dated May 24, 2011, reflected a conversation with Wiener in which she

       denied knowledge of the contents of the loan application. That entry stated:

                      “During a review of the mortgage documents, it was noticed that on

                      the application Elizabeth Wiener listed her income as $21,000 a

                      month and her employer [as] Wieners Inc.; 855 W. George St.

                      During an interview with Elizabeth Wiener on April 14, 2011 she

                      stated that her husband filled out the application. Ms. Wiener said

                      she might have signed the documents but did not look at the

                      document and did not fill it out. Ms. Wiener further states she was

                      told by her husband they were applying for a HELOC and the money

                      was to be used for his business. Ms. Wiener is a teacher’s aid making

                      $1000.00 a month and has never heard of Weiners Inc. David Lesser

                      reported to our attorney that he gave Harris a correct mortgage

                      application and that the application was altered by the loan officer

                      at Harris. The loan officer was Brian Jessen; who no longer is

                      employed by Harris N.A.”

¶ 37          A separate entry dated June 30, 2011, reflects that Jessen was interviewed. According to

       that entry, Jessen claimed he did not specifically remember the loan but said “Lesser was highly

       educated and involved in the industry” and that “Lesser is only trying to get out of the loan by any

       means necessary and the allegation is just an attempt to stop the bank from doing what it needs to

       do.” Jessen also stated that “he would not make any change to any application on his own” and

       that any changes “would have been with the knowledge of the customer.”

                                                      -10-
       1-22-0606

¶ 38          Another entry reflected that BMO Harris received a subpoena and learned that the State’s

       Attorney’s office had “opened an investigation into Wiener’s loan and possible fraud committed

       by former employee Brian Jessen.”

¶ 39          Apart from these dated entries, the “Investigatory Report” exhibit to Lesser’s

       counteraffidavit included an untitled two-page document without any identified author. According

       to that document, Lesser emailed an application to Jessen and Christine Coe (Jessen’s assistant)

       stating Wiener’s income was $1000 per month, but Choe subsequently “entered into the system”

       an application listing Wiener “as the president of Wiener Inc. with a monthly income of $21,000.”

       The document indicated that Choe was interviewed and “explained that after receiving David

       Lesser’s emailed application [Jessen] would have reviewed the application along with the

       customer’s tax returns. [Jessen] would then make contact with the customer and then give the

       application along with his notes to [Choe] to enter into the system.” Choe indicated that any

       changes to Wiener’s income and employment would have come from Jessen’s notes. Choe “stated

       the reason the application was changed was because David Lesser’s credit score was so low” it

       would have otherwise been declined.

¶ 40          The document concluded: “The change of information on this loan appears to have been

       altered by Brian Jessen with help from David Lesser. False information was submitted to Harris

       N.A. for the purpose of obtaining a million dollar mortgage.”

¶ 41          In his counteraffidavit, Lesser stated that the four pages comprising the “Investigatory

       Report” exhibit were the only documents produced by BMO Harris regarding its internal

       investigation. He claimed they showed that BMO Harris personnel “corroborate[d] substantially

       all of the allegations” he asserted in his affirmative defenses.

                                                        -11-
       1-22-0606

¶ 42          Elsewhere in the counteraffidavit, Lesser averred that BMO Harris had “refused to comply

       with” his valid discovery requests and had “refused to identify a deponent with firsthand

       knowledge” of BMO Harris’ loan processing practices or the processing of the loan at issue. He

       stated “there are material facts that would corroborate and/or provide further support for the

       matters attested to *** that are known only to persons from whom I have been unable to procure

       information” due to BMO Harris’s refusal. Lesser further asserted “[o]n information and belief”

       that had BMO Harris complied with his document requests and identified deponents, “these

       documents and deponents would establish” the truth of his allegations about BMO Harris’s

       “fraudulent conduct” and other facts probative of his affirmative defenses.

¶ 43          U.S. Bank filed its reply in support of summary judgment on November 16, 2021. Among

       other arguments, U.S. Bank contended that Lesser’s counteraffidavit did not comply with Supreme

       Court Rule 191 because it made conclusory statements, did not set forth facts with particularity,

       and did not lay a proper foundation for the exhibits thereto be admissible as business records under

       Illinois Rule of Evidence 803(6) or Supreme Court Rule 236.

¶ 44          U.S. Bank also contended that the counteraffidavit’s allegations were irrelevant as they

       were “not germane to *** the default under the mortgage and note at issue.” Thus, it argued that

       Lesser did not raise a material issue of fact to preclude summary judgment.

                         ¶ 45    The Trial Court’s Summary Judgment Ruling

¶ 46          On December 1, 2021, the parties appeared before the court, at which time the court stated

       its reasons for granting U.S. Bank’s motion for summary judgment. The court found that U.S.

       Bank’s affidavit of amounts due and owing complied with Supreme Court Rules 113, 191, and

       236. The court remarked that Lesser’s counteraffidavit failed to raise a genuine issue of material

       fact as to whether the loan was in default, or with respect to the amounts due and owing. With

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       1-22-0606

       respect to standing, the court found that “plaintiff has established a prima facie case.” The court

       noted that Lesser did not plead standing as an affirmative defense, and it otherwise found that

       Lesser failed to establish a genuine issue of material fact to dispute U.S. Bank’s standing.

¶ 47             In granting summary judgment, the court further commented that Lesser’s counteraffidavit

       “fails to comply with Supreme Court Rule 191”, was “in the form of a narrative and not in the

       form of an affidavit,” and failed to lay a proper foundation for the admission of the attached

       documents. The court also remarked that the counteraffidavit did not dispute the amounts due or

       raise a genuine issue of material fact. Accordingly, on December 1, 2021, the trial court entered

       orders granting U.S. Bank’s motion for summary judgment and for judgment of foreclosure and

       sale. 4

                      ¶ 48   Lesser’s Motion to Reconsider and Supporting Affidavit

¶ 49             On February 3, 2022, Lesser filed a “Motion to Vacate and Reconsider” the order granting

       summary judgment, as well as a supporting affidavit (“Affidavit 2”), which attached thereto many

       of the same documents previously attached as exhibits to the counteraffidavit. In Affidavit 2,

       Lesser included further assertions as to how BMO Harris had resisted discovery and included

       averments that he believed the documents produced by BMO Harris were admissible as business

       records. For example, Lesser averred that he believed “in good faith that the Investigatory Report

       is a copy of a genuine BMO [Harris] business record by BMO [Harris] in the ordinary course of

       its business.” Lesser also described his “good faith” belief as to what BMO Harris witnesses would

       testify to regarding the 2007 loan, as well as the internal investigation.

                 4
                 The court also pointed out that Lesser’s counteraffidavit did not redact personal
       identifying information, including social security numbers, from the documents attached thereto.
       On December 14, 2021, Lesser filed a “Revised Affidavit” in order to redact such information.

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       1-22-0606

¶ 50           Following briefing, the trial court denied the motion to reconsider on February 15, 2022.

       In making its ruling, it found the motion presented “no new evidence”, and there was “no asserted

       error in the Court’s application of the facts to the law.”

¶ 51           A judicial sale for the property was held on March 2, 2022, at which time U.S. Bank

       purchased the property for $1.25 million. U.S. Bank moved to approve the sale, and the trial court

       granted the motion on April 27, 2022.

¶ 52           Lesser filed a timely notice of appeal, indicating that he appealed from the December 2021

       order granting summary judgment, the denial of his motion to reconsider, and the order approving

       the judicial sale.

¶ 53           On April 27, 2022, Lesser filed in the trial court an “emergency motion to stay pending

       appeal.” At a hearing on May 9, 2022, the trial court denied that motion. In doing so, it remarked

       to Lesser: “You have been living [at the property] for free for 12 years. You’re not even on the

       note. You acknowledge this yourself by saying you’re not the borrower. *** Reading through your

       brief, the defense that you assert has nothing to do with you, but with your ex-wife and co-

       defendant Elizabeth Weiner.”

¶ 54           After this appeal was docketed, Lesser (acting pro se) filed numerous motions in this court.

       In May 2022, he filed two emergency motions to stay pending appeal, which were denied in June

       2022. On June 17, 2022, he filed a third motion to stay, which was denied on June 27, 2022. The

       record on appeal was filed on July 13, 2022. In September 2022, Lesser filed a “motion regarding

       supplemental record and for extension of time” to file his opening brief. After this court directed

       him to file a status report, the motion was ultimately denied in November 2022. On November 4,

       2022, he filed a “motion to supplement record and for other relief”, which was denied. In

       December 2022, he filed an “emergency motion” to supplement the record and also requested that

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       1-22-0606

       this court enter an order stating that omissions in the record due to this court’s denial of his prior

       requests to supplement “shall not be construed against” him. We denied that motion on November

       15, 2022. The appeal has now been fully briefed.

¶ 55                                               ANALYSIS

¶ 56          On appeal, Lesser makes a number of related arguments challenging the grant of summary

       judgment and denial of his motion to reconsider. Notably, he does not challenge U.S. Bank’s

       standing or whether there was, in fact, a payment default under the loan and mortgage. Rather, he

       claims that U.S. Bank failed to meet its burden to show that there is no genuine issue of material

       fact regarding his affirmative defenses. That is, he maintains that U.S. Bank is not entitled to

       summary judgment unless it is “clear and free from doubt that the fraudulent scheme did not

       occur.” That is, he stakes his appeal on the existence of an issue of fact pertaining to the affirmative

       defenses, which he claims were supported by his counteraffidavit and the exhibits thereto. Lesser

       urges that in granting summary judgment, the trial court improperly disregarded his

       counteraffidavit and failed to adjudicate his affirmative defenses.

¶ 57          With respect to denial of his motion to reconsider, Lesser similarly faults the trial court for

       giving “very short shrift” to the supporting “Affidavit 2”, which he claims was a “better

       conforming affidavit” that corrected any shortcomings of the counteraffidavit. He suggests that

       “Affidavit 2” made a “strong showing” of the fraudulent scheme and constituted “new evidence”

       that could preclude summary judgment. He thus asserts that the trial court abused its discretion

       when it denied his motion to reconsider.

¶ 58          For the following reasons, we find that U.S. Bank met its prima facie case for foreclosure,

       after which the burden shifted to Lesser to raise a genuine issue of material fact regarding his

       affirmative defenses. We conclude he did not do so, especially given the deficiencies in the

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       counteraffidavit and his failure to lay a foundation for documents attached thereto. Thus, summary

       judgment was properly entered in favor of U.S. Bank. We also conclude that Lesser’s motion to

       reconsider did not correct these deficiencies and otherwise lacked merit. Thus, we affirm.

                            ¶ 59    Summary Judgment Standard of Review

¶ 60          Summary judgment is proper when ‘the pleadings, depositions, and admissions on file,

       together with the affidavits, if any, 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.” 735 ILCS 5/2-1005(c) (West

       2022). “A genuine issue of fact exists where the material relevant facts in the case are disputed, or

       where reasonable persons could draw different inferences and conclusions from undisputed facts.”

       PNC Bank, Nat’l Ass’n v. Zubel, 2014 IL App (1st) 130976, ¶ 13.

¶ 61          “Although courts have deemed summary judgment a ‘drastic means of disposing of

       litigation’ (Purtill v. Hess, 111 Ill. 2d 229, 240 (1986), it is nonetheless an appropriate mechanism

       to employ *** when the moving party’s right to a judgment in its favor is clear and free from

       doubt.” Zubel, 2014 IL App (1st) 130976, ¶ 13. “To survive a motion for summary judgment, the

       nonmoving party need not prove her case” but “must present some evidentiary facts that would

       arguably entitle her to judgment. [Citations.]” Id.

¶ 62          A trial court’s ruling on a motion for summary judgment is subject to de novo review,

       meaning the judgment may be affirmed based on any basis found in the record. Id. In other words,

       “the reviewing court does not need to defer to the trial court’s judgment or reasoning.” Bank of

       America, N.A. v. Adeyiga, 2014 IL App (1st) 131252, ¶ 56. De novo review “is completely

       independent of the trial court’s decision” and “means that the reviewing court performs the same

       analysis that a trial judge would perform.” Id.

   ¶ 63    U.S. Bank Established a Prima Facie Case for Foreclosure, Shifting the Burden to Lesser

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¶ 64          Under Illinois law, “a mortgagee may foreclose its interest in real property upon ‘either the

       debt’s maturity or a default of a condition in the instrument.’ ” Zubel, 2014 IL App (1st) 130976,

       ¶ 18 (quoting Heritage Pullman Bank v. American National Bank & Trust Co. of Chicago, 164 Ill.

       App 3d 680, 685 (1987)). A bank establishes a prima facie case for foreclosure with the

       introduction of the mortgage and note, after which the burden of proof shifts to the borrower to

       prove any applicable affirmative defense. See Zubel, 2014 IL App (1st) 130976, ¶ 18. “The mere

       fact that a copy of the note is attached to the complaint is itself prima facie evidence that the

       plaintiff owns the note.” Parkway Bank and Trust Co. v. Korzen, 2013 IL App (1st) 130380, ¶ 24.

¶ 65          Here, there is no dispute that U.S. Bank established a prima facie case for foreclosure.

       Copies of the subject note (executed by Wiener) and mortgage (executed by Lesser and Wiener)

       were attached to the complaint. Lesser has never disputed their authenticity. Lesser’s answer did

       not explicitly deny that the complaint attached an accurate copy of the mortgage and note. See

       Parkway Bank and Trust Co. v. Korzen, 2013 IL App (1st) 130380, ¶ 37 (an allegation not

       explicitly denied is admitted unless the party states that it lacks knowledge of the matter sufficient

       to form a belief and supports this statement with an affidavit). Thus, Lesser admitted their

       authenticity. See id, ¶¶ 36-38 (foreclosure defendants’ pleading that “they lacked knowledge

       sufficient to answer” allegations functioned as admissions that established the authenticity of the

       notes and mortgage.)

¶ 66          Further, whereas Lesser’s response to the motion for summary judgment disputed whether

       U.S. Bank was the current holder of the note, the trial court correctly noted that Lesser did not

       plead standing as an affirmative defense. See Amos Financial, LLC v. Szydlowski, 2022 IL App

       (1st) 210046, ¶ 44 (“lack of standing is an affirmative defense that must be pleaded and proven by

       the defendant”). In any event, Lesser’s opening brief raises no argument as to standing, which

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       forfeits the issue. Ill. S. Ct. R. 341(h)(7) (eff. Oct. 1, 2020) (“Points not argued are forfeited and

       shall not be raised in the reply brief, in oral argument or on petition for rehearing.”)

¶ 67          Notably, Lesser’s briefing repeatedly urges that it was U.S. Bank’s burden, as movant, to

       show that it was “free from doubt” that the alleged fraudulent conduct underlying Lesser’s

       affirmative defenses did not occur. This is an incorrect statement of the law, as it ignores the burden

       of a non-movant after the movant makes a prima facie showing of its entitlement to foreclosure.

       That is, after U.S. Bank established its prima facie case, the burden shifted to Lesser to “present

       evidence showing a genuine issue of material fact or that the moving party [U.S. Bank] was not

       entitled to judgment as a matter of law.” Wolff v. Bethany North Suburban Group, 2021 IL App

       (1st) 191858, ¶ 29. It became Lesser’s burden to show the existence of a material issue of fact with

       respect to one or more of his affirmative defenses. Zubel, 2014 IL App (1st) 130976, ¶ 18. In other

       words, to avoid summary judgment he needed to present a “factual basis that would arguably

       entitle [him] to a judgment.” Adeyiga, 2014 IL App (1st) 131252, ¶ 54. Pleadings and argument

       alone are insufficient to avoid summary judgment. Triple R Development, LLC v. Golfview

       Apartments, I, L.P., 2012 IL App (4th) 100956, ¶ 16. (“The nonmovant may not simply rely on his

       pleadings to raise issue of material fact.”).

¶ 68          We turn to assess whether Lesser raised a genuine issue of triable fact pertaining to his

       affirmative defenses. We find he did not.

       ¶ 69   Lesser Cannot Rely on Contractual Defenses to the Note That He Was Not Party To

¶ 70          As a threshold issue, we note our agreement with U.S. Bank’s position in the trial court

       that, because Lesser was not a party to the note, he could not rely on contractual defenses to that

       note. However, we find he did have standing to assert contractual defenses to the mortgage (to

       which he was a party).

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¶ 71          Lesser pleaded five affirmative defenses: fraudulent inducement, unclean hands, estoppel,

       illegality, and mistake of fact. Each of the five affirmative defenses alleged that the original lender

       (Harris) made fraudulent misrepresentations in connection with execution of the loan by Wiener

       and execution of the mortgage executed by both Wiener and Lesser. That is, all defenses stem

       from the same core allegations that Harris fraudulently altered Wiener’s income and employment

       information on loan application documents in order to induce Wiener to sign the note (to which

       Lesser was not a party) and to induce Lesser to sign the mortgage (to which Lesser was a party).

       Each of the affirmative defenses alleged that Lesser relied on misrepresentations or nondisclosures

       related to the loan application to execute the mortgage.

¶ 72          The trial court apparently believed that Lesser could not rely on these affirmative defenses,

       insofar as the alleged fraudulent statements concerned a loan to which Wiener, but not Lesser, was

       a party. This is evidenced by the trial court’s comments at the May 2022 hearing that Lesser was

       “not even on the note” and the “defense that you assert has nothing to do with you, but with your

       ex-wife and co-defendant Elizabeth Wiener.”’

¶ 73          The parties’ briefs do not devote much effort to discussing whether Lesser’s non-party

       status on the note affected his standing to assert these affirmative defenses. Lesser does not cite

       any case indicating that a mortgagor may avoid foreclosure by asserting, as affirmative defenses,

       contract defenses to enforcement of a note that he was not party to. Yet, he argues “a third-party

       pledge of collateral via a real estate mortgage is a contract” such that he as “co-mortgagor has the

       right to assert well recognized contract defenses.” He otherwise makes policy arguments as to

       why a mortgagor, as a “credit enhancer,” should be able to assert the same contractual defenses as

       the borrower on the note.

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¶ 74          We recognize that “a mortgage and an accompanying promissory note securing the

       mortgage constitute separate contracts.” LP XXVI, LLC. v. Goldstein, 349 Ill. App. 3d 237, 241

       (2004). Lesser has not identified a case holding that a mortgagor who was not party to the note

       may avoid foreclosure based on defenses to enforcement of the note. Our precedent supports the

       proposition that defenses to enforcement of a contract may only be asserted by a party to the

       contract. See, e.g. Jordan v. Knafel, 378 Ill. App. 3d 219, 229 (2007) (“Fraud in the inducement

       of a contract is a defense that renders the contract voidable at the election of the injured party.”);

       Tower Investors, LLC v. 111 East Chestnut Consultants, Inc., 371 Ill. App. 3d 1019, 1030 (2007)

       (“Fraud in the inducement of a contract is a defect which renders the contract voidable at the

       election of the innocent obligor.” (Emphasis added.)) In this case, Lesser was not a “party” to or

       an “obligor” under the loan. However, he was a party to the mortgage.

¶ 75          Lesser has not cited any authority or offered any persuasive reason why he can stand in the

       shoes of the party to the underlying loan (Wiener), to assert affirmative defenses to that contract.

       Thus, we conclude he does not have standing to assert defenses based on unenforceability of the

       note. For instance, he could not defend against the mortgage by alleging that the note was

       unenforceable because Wiener was fraudulently induced into signing it. However, review of the

       affirmative defenses shows that Lesser simultaneously pleaded that he personally relied on

       Harris’s misrepresentations or omissions to execute the mortgage at issue. Lesser had standing to

       plead contractual defenses to the mortgage, to which he was a party.

¶ 76          Regardless of whether the trial court based its entry of summary judgment on this particular

       issue, we keep in mind that we “review only the court’s ultimate judgment, not its reasoning in

       support of that judgment.” Jarosz v. Buona Companies, LLC, 2022 IL App (1st) 210181, ¶ 29

       (citing Makowski v. City of Naperville, 249 Ill. App. 3d 110, 115 (1993)). That is, “we may affirm

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       the trial court’s grant of summary judgment on any ground appearing from the record.” Catom

       Trucking, Inc. v. City of Chicago, 2011 IL App (1st) 101146, ¶ 9 (quoting Fan v. Auster Co, 389

       Ill. App. 3d 633, 648 (2009)). As discussed below, we independently conclude that Lesser did not

       submit evidence raising a triable issue of fact regarding his affirmative defenses, which

       independently warranted entry of summary judgment in favor of U.S. Bank.

¶ 77               Lesser’s Counteraffidavit Did Not Meet His Burden to Raise a Material Issue of Fact

¶ 78          Lesser faults the trial court for disregarding his counteraffidavit and the exhibits thereto,

       which he claim establish the fraudulent conduct underlying his affirmative defenses. However, our

       independent review of that submission leads us to find that it did not comply with Supreme Court

       Rule 191(a) and was insufficient to avoid summary judgment. Ill. S. Ct. R. 191(a) (eff. Jan. 4,

       2013). That is, Lesser did not submit sufficient evidence to create a triable issue of fact regarding

       the allegations of fraud underpinning his affirmative defenses. This is so, considering: (1) the

       failure to attach any statement or testimony by Wiener corroborating the allegations of fraud, (2)

       the failure to attach testimony by any BMO witness, and, (3) perhaps most important, the failure

       to lay any foundation for the BMO Harris records attached thereto. As a result, the affidavit

       essentially consisted of Lesser’s personal knowledge and his conclusory beliefs about the alleged

       fraudulent scheme, without corroborating evidence.

¶ 79          Moreover, Lesser failed to file in the trial court an affidavit pursuant to Rule 191(b)

       specifying what discovery he needed to oppose summary judgment and seeking an order to compel

       such discovery. Ill. S. Ct. 191(b) (eff. Jan. 4 2013). Nor does Lesser appeal any particular discovery

       order by the trial court. Accordingly, Lesser cannot simply rely on BMO Harris’ alleged non-

       compliance with his discovery requests to avoid summary judgment.

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¶ 80          Affidavits submitted in connection with summary judgment proceedings are governed by

       Illinois Supreme Court Rule 191. Avdic, 2014 IL App (1st) 121759, ¶ 21. Rule 191(a) provides, in

       relevant part:

                        “Affidavits in support of and in opposition to a motion for summary

                        judgment under section 2-1005 of the Code of Civil Procedure ***

                        shall be made on the personal knowledge of the affiants; shall set

                        forth with particularity the facts upon which the claim,

                        counterclaim, or defense is based; shall have attached thereto sworn

                        or certified copies of all documents upon which the affiant relies;

                        shall not consist of conclusions but of facts admissible in evidence;

                        and shall affirmatively show that the affiant, if sworn as a witness,

                        can testify competent thereto. If all of the facts to be shown are not

                        within the personal knowledge of one person, two or more affidavits

                        shall be used.”(Emphases added.) (Ill. S. Ct. R. 191(a), eff. Jan. 4,

                        2013).

¶ 81          A Rule 191(a) “affidavit is actually a substitute for testimony taken in open court and

       should meet the same requisites as competent testimony. [Citation.] The circuit court may not

       consider evidence that would be inadmissible at trial when assessing a motion for summary

       judgment.” Avdic, 2014 IL App (1st) 121759, ¶ 22.

¶ 82          Documents attached to a Rule 191(a) affidavit may be admissible under the business

       records exception to the general rule exclusion hearsay if the proponent “lay[s] a proper foundation

       by showing that the records were ‘made (1) in the regular course of business, and (2) at or near the

       time of the even or occurrence.” Avdic, 2014 IL App (1st) 121759, ¶ 23. Similarly, Illinois Rule

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       of Evidence 803(6) permits admission of “records of regularly conducted activity” if such record

       is “made at or near the time by, or from information transmitted by, a person with knowledge, if

       kept in the course of a regularly conducted business activity, and if it was the regular practice of

       that business activity to make the memorandum, report, record or data compilation, all as shown

       by the testimony of the custodian or other qualified witness, or by certification that complies with

       Rule 902(11) * * *.” Ill. R. Ev. 803(6) (Jan. 25, 2023)(Emphasis added).

¶ 83          Significantly, Rule 191(b) allows a party to seek relief from the trial court to allow it to

       obtain necessary discovery to support or oppose summary judgment:

                      “If the affidavit of either party contains a statement that any of the

                      material facts which ought to appear in the affidavit are known only

                      to persons whose affidavits affiant is unable to procure by reason of

                      hostility or otherwise, naming the persons and showing why their

                      affidavit cannot be procured and what affiant believes they would

                      testify to if sworn, with his reasons for his belief, the court may make

                      any order that may be just, either granting or refusing the motion, or

                      granting a continuance to permit affidavits to be obtained, or for

                      submitting interrogatories to or taking the depositions of any of the

                      persons so named, or for producing documents in the possession of

                      those persons or furnishing sworn copies thereof.” Ill. S. Ct. R.

                      191(b) (eff. Jan. 4, 2013).

       Significantly, “[p]arties who fail to file Rule 191(b) affidavits cannot complain that the ‘discovery

       process was insufficient or limited.’ ” Parkway Bank & Trust, 2013 IL App (1st) 130380, ¶ 48

       (quoting Kane v. Motorola, Inc., 335 Ill. App 3d 214, 225)); see also Avdic, 2014 IL App (1st)

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       121759, ¶ 39 (foreclosure defendant could not avoid summary judgment by contending he was

       entitled to take deposition of plaintiff bank’s affiant, where “Avdic did not file a Rule 191(b)

       affidavit to explain why he needed Armstrong’s deposition to oppose the motion for summary

       judgment and requesting that the court grant a continuance for the taking of the deposition.”).

¶ 84          With these authorities in mind, we find that Lesser’s counteraffidavit and the documents

       attached thereto did not raise a genuine issue of material fact regarding the viability of his

       affirmative defenses. This is true for multiple reasons.

¶ 85          First, Lesser failed to submit any affidavit or testimony from Wiener corroborating the

       central allegations of the affirmative defenses—namely, that BMO Harris inserted false

       information about Wiener’s income and employment into loan documents and fraudulently

       induced her to execute the loan documents at the August 2007 closing. His affirmative defenses

       largely depend on Wiener being fraudulently induced to enter into the loan. However, Lesser did

       not provide any affidavit or testimony from Wiener pertaining to any element of fraudulent

       inducement. See Jordan v. Knafel, 378 Ill. App. 3d 219, 229 (“In order for a representation to

       constitute fraud that would permit a court to set aside a contract, the party seeking such relief must

       establish that the representation was: (1) one of material fact; (2) made for the purpose of inducing

       the other party to act; (3) known to be false by the maker, or not actually believed by him on

       reasonable grounds to be true, but reasonably believed to be true by the other party; and (4) was

       relied upon by the other party to his detriment.” (citing Tower Investors, LLC v. 111 East Chestnut

       Consultants, Inc., 371 Ill. App. 3d 1019, 1030 (2007)). That is, there is no evidence from Wiener

       attesting that the information about her income and employment was, in fact, inaccurate. Perhaps

       more important, there is no testimony from Wiener that she reasonably relied on any specific

       misrepresentation or nondisclosure to sign the loan documents.

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¶ 86           In this regard, we note that Lesser’s counteraffidavit does not indicate any reason why he

       could not obtain any testimony from Wiener to support the allegations of his affirmative defenses.

       Nor did Lesser file a Rule 191(b) affidavit in the trial court suggesting that he could not procure

       Wiener’s affidavit “by reason of hostility or otherwise” or stating “what [Lesser] believed [Wiener]

       would testify to if sworn, with his reasons for his belief.” Ill. S. Ct. R. 191(b) (Jan. 4, 2013).

¶ 87           Similarly, Lesser’s counteraffidavit did not attach any affidavit or other form of testimony

       from the loan officer who allegedly processed the loan, or from any other employee of BMO

       Harris, whose alleged fraud is the basis for the affirmative defenses. Lesser’s counteraffidavit

       complained that BMO Harris “refused to comply with Lesser’s “valid discovery requests,”

       including a subpoena for “appropriate deponents.” Lesser averred “[o]n information and belief”

       that had BMO Harris complied, the requested documents and deponents would establish the truth

       of his allegations of fraudulent conduct. However, Lesser’s statements “on information and belief”

       as to what discovery would establish do not constitute the sort of particularized statement required

       by Rule 191(a), which states that affidavits “shall not consist of conclusions but of facts admissible

       in evidence.” Ill. S. Ct. R. 191(a) (eff. Jan. 4, 2013). Further, Lesser did not file with the trial court

       a Rule 191(b) affidavit naming any BMO Harris witnesses and “showing why their affidavits

       cannot be procured and what [Lesser] believes they would testify to if sworn.” Ill. S. Ct. R. 191(b)

       (eff. Jan. 4, 2013). Had he done so, the trial court would have had an opportunity (before ruling on

       the summary judgment motion) to make an order “permit[ting] affidavits to be obtained, or for

       submitting interrogatories to or taking the deposition of any of the persons so named, or for

       producing documents in the possession of those persons.” Id. Having failed to do, so Lesser cannot

       avoid summary judgment by simply blaming a lack of supporting evidence on BMO Harris’s

       refusal to comply with his discovery requests. See Parkway Bank & Trust, 2013 IL App (1st)

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       130380, ¶ 48 (parties who fail to file Rule 191(b) affidavits cannot complain that the discovery

       process was insufficient or limited).

¶ 88           We also find that Lesser’s counteraffidavit did not lay a proper evidentiary foundation for

       documents attached thereto that are central to his affirmative defenses—namely, the loan

       application documents allegedly generated by BMO Harris containing false information about

       Wiener’s income and employment. Lesser’s counteraffidavit did not show that these documents

       were made in the regular course of BMO’s business, or that they otherwise were admissible under

       Illinois Rule of Evidence 803(6) or Supreme Court Rule 236(a). Lesser did not provide any

       affidavit or certification from any “custodian or other qualified witness” who could testify that

       such records met the requirements of Rule 803(6). Ill. R. Ev. 803(6) (eff. Jan. 25, 2023).

¶ 89           The same is true with respect to the exhibit Lesser referred to as an “Investigatory Report”,

       which consists of four pages of untitled documents purportedly referencing BMO Harris’s internal

       investigation into the loan. The counteraffidavit offers no basis on which to conclude that such

       writings were made in the regular course of business or that it was the regular course of business

       to make such records. See Ill. S. C. R. 236(a). Moreover, even assuming Lesser had set forth a

       proper evidentiary foundation for those documents, they would hardly corroborate Lesser’s

       affirmative defenses. Rather, they reflect BMO Harris’s conclusion that, although Wiener’s

       income and employment information were changed, such information “appears to have been

       altered by Brian Jessen with help from David Lesser.” (Emphasis added.).

¶ 90           For the foregoing reasons, we determine that Lesser’s counteraffidavit and the documents

       attached thereto failed to create a genuine issue of fact as to the validity of his affirmative defenses.

       That is, he did not “present a factual basis that would arguably entitle [Lesser] to a judgment.”

       Adeyiga, 2014 IL App (1st) 131252 We also reiterate that Lesser’s counteraffidavit did not dispute

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       that there was a payment default under the loan and mortgage. And on appeal, Lesser does not

       dispute that U.S. Bank established a prima facie case. Accordingly, we conclude that the trial court

       properly entered summary judgment.

                        ¶ 91    The Motion to Reconsider Was Properly Denied

¶ 92          Our analysis does not end there, because Lesser additionally appeals the trial court’s denial

       of his motion to reconsider. Lesser’s opening brief suggests that in denying the motion to

       reconsider, the trial court abused its discretion when it “completely ignore[d]” the new affidavit

       submitted in support of that motion (“Affidavit 2”). He avers that Affidavit 2 was “new evidence”

       that made a strong showing of the alleged fraudulent scheme underlying his affirmative defenses.

¶ 93          “The purpose of a motion to reconsider is to bring to the trial court’s attention a change in

       the law, an error in the trial court’s previous application of existing law, or newly discovered

       evidence that was not available at the time of the prior hearing or decision. [Citations.]” Horlacher

       v. Cohen, 2017 IL App (1st) 162712, ¶ 79. If a motion to reconsider is based on a “purported

       misapplication of existing law, our standard of review is de novo.” Id. ¶ 80. If the motion to

       reconsider is “based on new evidence, facts, or legal theories not presented in the prior

       proceedings, our standard of review is abuse of discretion.” Id. Under either standard of review,

       we conclude the motion to reconsider was properly denied.

¶ 94          The record reflects that the motion to vacate and the supporting “Affidavit 2” did not attach

       any “new,” previously unavailable evidence to support Lesser’s affirmative defenses. See id. ¶ 82

       (in civil cases, “newly discovered evidence has been defined as evidence that was not available at

       the time of the prior order or hearing. [Citations.]”). Rather, Lesser reiterated BMO Harris’

       “hostility” in withholding discovery, asserted that Lesser’s averments were sufficient to

       authenticate documents produced by BMO Harris, and offered his “good faith” beliefs that the

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       documents support his claims of a fraudulent scheme. The exhibits to “Affidavit 2” consisted of

       documents previously submitted as exhibits to the counteraffidavit, but Lesser included new

       statements complaining of BMO Harris’s discovery responses. Citing Rule 191(b), he claimed

       BMO Harris intentionally impaired his ability to procure evidence and identify deponents. Lesser

       also added new averments about his “good faith” belief as to the admissibility of the documents,

       what the documents showed, and what BMO Harris deponents would testify to. For example,

       Lesser asserted he “believe[d] in good faith that the Investigatory Report is a copy of a genuine

       BMO business record produced by BMO in the ordinary course of its business.” Lesser also stated

       his belief that BMO Harris employees, if deposed, would testify that any false information

       contained in the loan application was inserted by BMO Harris officers or employees, and that they

       would testify there was no evidence that Lesser assisted in altering information.

¶ 95          In this manner, the motion to vacate and “Affidavit 2” apparently attempted to correct the

       shortcomings of Lesser’s counteraffidavit, including his failure to lay an adequate evidentiary

       foundation for the BMO Harris records he relied upon. However, Lesser’s mere averment that

       BMO Harris produced the documents in discovery was not sufficient to authenticate them as

       business records under Rule 803(6) or Supreme Court Rule 236, as Lesser lacked any personal

       knowledge as to whether they were generated or kept in the regular course of BMO Harris’s

       business. Further, Lesser’s claims of BMO Harris’ “hostility” were unavailing, since he never filed

       a Rule 191(b) affidavit.    Moreover, Lesser could not correct such deficiencies by offering

       speculative statements about his “good faith” belief about what BMO Harris witnesses would

       testify to, had they been deposed. Accordingly, we affirm the denial of the motion to vacate.

¶ 96          We note that our decision should not be construed as condoning BMO Harris’ level of

       cooperation (or lack thereof) with Lesser’s discovery requests in this lengthy litigation. The record

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        raises some questions, such as why BMO Harris did not produce a deponent or produce additional

        documents concerning any investigation into the approval of the loan in question. Nevertheless,

        the case law is clear that because he did not first seek relief through a Rule 191(b) affidavit, Lesser

        cannot now avoid summary judgment by merely pointing to alleged deficiencies in BMO Harris’

        discovery responses, or speculating as to what additional discovery might reveal. See Avdic, 2014

        IL App (1st) 121759, ¶ 39; Parkway Bank & Trust, 2013 IL App (1st) 130380, ¶ 48. Moreover,

        we again note that Lesser did not appeal any discovery ruling. In turn, he was left to rely on the

        record before us, including his affidavits, to demonstrate a genuine issue of fact concerning his

        affirmative defenses. We agree with the trial court that he did not do so.

¶ 97            Before we conclude, we note that although Lesser’s notice of appeal referenced the order

        approving the judicial sale of the property to U.S. Bank, Lesser raises no argument with respect to

        that order.

¶ 98            In summary, we find that the trial court properly granted summary judgment where (1)

        U.S. Bank established a prima facie entitlement to foreclosure and (2) Lesser failed to meet his

        corresponding burden to raise an issue of fact supporting his affirmative defenses. Further, his

        motion to reconsider was properly denied.

¶ 99                                              CONCLUSION

¶ 100           For the foregoing reasons, we affirm the circuit court orders granting summary U.S. Bank’s

        motion for summary judgment, denying the motion to reconsider, and confirming the judicial sale

        of the property.

¶ 101           Affirmed.

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