Weak or Unsupported Evidence Fails to Justify Foreclosure
In an action brought by Deutsche Bank, the lender attempted to prove default with a sworn affidavit—but failed to include any business records to support the claim. The affiant had no personal knowledge of the loan's administration and the appellate court found the evidence inadmissible, and vacated the judgment.
Similarly, in a case involving Nationstar Mortgage, the foreclosure was based on a payment history that predated the lender’s ownership of the loan. Nationstar relied on records from a previous servicer but offered no authentication or foundation for their accuracy. The court held that this documentation lacked legal support, and the foreclosure judgment was reversed.
Inadequate Notice Invalidates Legal Action
U.S. Bank faced reversal after relying on internal logs and vendor-generated reports to prove compliance with New York’s RPAPL 1304 notice requirement. However, it failed to demonstrate how those notices were prepared, verified, or mailed under applicable procedures. The appellate court found that U.S. Bank had not met its evidentiary burden and denied its motion for summary judgment.