Justia Rhode Island Supreme Court Opinion Summaries

In 2006, Ingram executed a promissory note in favor of Loancity in the amount of $212,500 to finance the purchase of property in Providence and executed a mortgage on the property. The documents identified Mortgage Electronic Registration Systems (MERS) as “a separate corporation that is acting solely as nominee for Lender and Lender’s successors and assigns.” After a series of assignments in 2009, Deutsche Bank held both the note and the mortgage to the property. Ingram failed to make the required payments. OneWest, under power of attorney for Deutsche Bank, mailed notice that a foreclosure sale on the property was scheduled for March 25, 2010. The foreclosure sale was advertised in the Providence Journal. At the scheduled sale, Deutsche Bank purchased the property for $95,066.40. Ingram sought declaratory relief and to quiet title to the property. The superior court dismissed. The Rhode Island Supreme Court affirmed, rejecting various allegations of improper procedure. View "Ingram v. Mortg. Elec. Registration Sys., Inc" on Justia Law

This case involved an ongoing dispute between two commercial landowners, Plaintiff and Defendant, over the existence of a prescriptive easement used by delivery trucks to access a loading dock owned by Plaintiff. After Defendant ordered the installation of barriers along the southwestern boundary of an express easement, it was nearly impossible for delivery vehicles to directly access the loading dock. Plaintiff filed a complaint, claiming a prescriptive easement over Defendant’s lot. In his second decision, the trial justice denied Plaintiff’s claim for a prescriptive easement. The Supreme Court affirmed, holding that Plaintiff failed to meet its burden of proof on the element of hostility, and therefore, Plaintiff could not succeed on its claim. View "Butterfly Realty v. James Romanella & Sons, Inc." on Justia Law

Plaintiff, Rose Nulman Park Foundation, owned real property that was used as a park. In 2011, Defendants, Robert Lamoureux and Four Twenty Corporation, completed construction on a $1.8 million home. A prospective buyer of the home had a survey conducted which revealed that the building was entirely located on Plaintiff’s property. Plaintiff filed suit against Defendants, asserting that the structure constituted a continuing trespass on the property and requesting a mandatory injunction ordering Defendants to remove the structure. The trial justice concluded that a 13,000 square foot intrusion, amounting to six percent of the Nulman property, was not a de minimus encroachment and, accordingly, ordered Defendants to remove the structure. The Supreme Court affirmed after concluding that it would be unjust to order the transfer of title to a portion of the Nulman property to Defendants or to award only money damages, holding that injunctive relief was the appropriate remedy in this case. View "Rose Nulman Park Found. v. Four Twenty Corp." on Justia Law

The Rhode Island Joint Reinsurance Association brought an interpleader action against multiple defendants for the purpose of determining the proper disposition of insurance proceeds. Bank of America, N.A. (BANA), one of the defendants, moved for summary judgment on the interpleader claim and against defendant Genoveva Santana-Sosa’s cross-claim. The superior court granted summary judgment for BANA, concluding that BANA was entitled to the entire amount of the insurance proceeds and that Santana-Sosa was entitled to none of the disputed funds. The Supreme Court affirmed, holding that BANA was entitled to judgment as a matter of law. View "R.I. Joint Reinsurance Ass’n v. Santana-Sosa" on Justia Law

Plaintiff signed an adjustable-rate note evidencing a loan from Bank of America and executed a mortgage on property that secured the loan. Bank of America was designated as the Lender and the mortgagee. After Plaintiff defaulted on his loan, a foreclosure auction was held at which Celtic Roman Group placed a successful bid. Before Celtic could close on the property, Plaintiff filed a notice of lis pendens in the land evidence records. Plaintiff subsequently filed a complaint challenging Bank of America’s authority to foreclose on the property. The superior court granted summary judgment for Defendants. The Supreme Court affirmed, holding (1) there was no genuine issue of fact as to whether Plaintiff defaulted on his loan; (2) the foreclosure sale was lawfully noticed; and (3) Bank of America was the holder of the note at the time of foreclosure. View "McGovern v. Bank of Am., N.A." on Justia Law

At issue in this case was which party was entitled to insurance funds under an insurance policy on a parcel of property that sustained water damage. Stanley Gurnick and Phoenix-Gurnick, RIGP claimed they owned the property as a result of a foreclosure sale. Navigant Credit Union claimed it was entitled to the funds as the named mortgagee/loss payee in the insurance policy. The superior court decided that Navigant was entitled to the insurance proceeds because the funds were personal property under the insurance contract and Navigant was named a loss payee under that contract. The Supreme Court affirmed, holding that the hearing justice correctly determined that Navigant was entitled to the insurance proceeds. View "R.I. Joint Reinsurance Ass’n v. O’Sullivan" on Justia Law

Plaintiff executed a promissory note in favor of EquiFirst, secured by a mortgage on real estate. The mortgage designated EquiFirst as the Lender and named Mortgage Electronic Registration Systems (MERS) as the mortgagee and the Lender’s nominee. MERS, as EquiFirst’s nominee, assigned the mortgage to Sutton Funding, which assigned the mortgage to Bank of New York Mellon Trust Company (Bank of New York). Bank of New York subsequently initiated a foreclosure sale, at which it prevailed as the highest bidder. Plaintiff filed suit in the superior court challenging the validity of the two mortgage assignments. The hearing justice dismissed Plaintiff’s complaint under Sup. Ct. R. Civ. P. 12(b)(6), concluding that the assignments were valid, and additionally dismissed Plaintiff’s complaint under Rule 12(b)(7) for failing to join an indispensible party, Bank of New York. The Supreme Court affirmed the dismissal on the basis of Rule 12(b)(7), holding that hearing justice’s dismissal on Rule 12(b)(7) grounds was appropriate where Plaintiff failed to join Bank of New York to the action. View "Rosano v. Mortgage Elec. Registration Sys., Inc." on Justia Law

Decedent established a Trust that required, upon Decedent’s death, the trustee to distribute a parcel of land to the trustee and to distribute the remainder of the land to Decedent’s children. The Trust filed a complaint for eviction for unlawfully holding over after the termination of tenancy against Defendants, Decedent’s children. The district court entered judgment in favor of the Trust. Defendants appealed, arguing that the Trust was not a landlord and Defendants were not tenants, but rather, tenants in common with the trustee. Therefore, Defendants argued, an action for eviction could not lie. The superior court granted Defendants’ motion to dismiss, concluding that the court lacked subject matter jurisdiction and that the Trust lacked standing. The Supreme Court vacated the judgment of the superior court, holding that the superior court did have jurisdiction over trespass and ejectment matters, and therefore, the motion justice erred in dismissing the case for lack of subject matter jurisdiction. Remanded for an evidentiary hearing with respect to the issue of standing. View "Joseph P. Notarianni Revocable Trust v. Notarianni" on Justia Law

Plaintiffs purchased a home. To finance the transaction, Plaintiffs executed a note payable to Accredited Home Lenders. The note was secured by a mortgage on the property naming Mortgage Electronic Registration Systems, Inc. (MERS) as the mortgagee. MERS assigned the mortgage to Deutsche Bank National Trust Company. Because Plaintiffs stopped making their payments as set forth in the note Deutsche Bank foreclosed on the property. Accredited REO Properties purchased the property. Plaintiffs subsequently filed a complaint seeking declaratory judgment and injunctive relief seeking orders declaring that they were owners of the property as a matter of law and that the foreclosure sale, conveyance, and assignment were void. Defendants - MERS, Deutsche Bank, Accredited REO Properties, Accredited Home Lenders, and others - filed a motion for summary judgment, which the district court granted. The Supreme Court affirmed, holding that a legal and valid foreclosure occurred in this case. View "Moura v. Mortgage Elec. Registration Sys., Inc." on Justia Law

Frederick Carrozza, Sr. filed a petition seeking to impose a resulting trust on four properties and caused notices of lis pendens to be filed with respect to each of the properties at issue. Counterclaimants, in turn, filed a counterclaim alleging slander of title. Summary judgment was granted in favor of Counterclaimants with respect to the resulting trust issue. After a trial on the slander of title counterclaim, the trial justice held the counterclaim defendants - Frederick Sr. and his three living children - liable for slander of title. The Supreme Court affirmed the judgment of the superior court in all respects except that part of the judgment awarding $845,00 in punitive damages, holding that the award of punitive damages should be reduced to $422,500. View "Carrozza v. Voccola" on Justia Law