FILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`NYSCEF DOC. NO. 75
`
`INDEX NO. 701954/2023
`
`RECEIVED NYSCEF: 08/30/2024
`
`Exhibit G
`
`{5318969: }
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`SUPREME
`COUNTY
`
`OF THE
`COURT
`OF QUEENS
`
`STATE
`
`OF NEW YORK
`
`U.S. BANK
`NATIONAL
`TRUST
`INDIVIDUAL
`IN ITS
`CAPACITY,
`OF THE TRUMAN
`TRUSTEE
`
`ASSOCIATION,
`BUT
`SOLELY
`SC9
`TITLE
`
`2021
`
`NOT
`AS
`TRUST
`
`Index
`
`No.:
`
`701954/2023
`
`Plaintiff,
`
`VERIFIED
`AFFIRMATIVE
`
`ANSWER WITH
`DEFENSES
`
`KINSLER
`CO-
`
`ANN
`TO
`
`K.
`
`AKA
`ROBINSON
`ELIOTT
`ELIOTT
`A KA
`ELIOTT
`ROBINSON
`ROB1NSON,
`OF EVELYN
`OF THE ESTATE
`ADMINISTRATOR
`AND HEIR
`AKA EVELYN
`A. KINSLER
`KINSLER
`ANN
`AKA
`THE ESTATE
`OF EVELYN
`KINSLER
`CO-
`EVELYN
`RICHARD
`A. KINSLER,
`WILLIAMS,
`ANN
`OF EVELYN
`ADMINISTRATOR
`OF THE ESTATE
`AND HEIR
`AKA EVELYN
`A. KINSLER
`TO
`KINSLER
`AKA
`N ANN
`ESTATE
`OF EVELY
`KINSLER
`THE
`OFAMERICA
`UNITED
`EVELYN
`STATES
`A. KINSLER,
`NEW YORK
`REVENUE
`BY THE INTERNAL
`SERVICE,
`AND FINANCE,
`DEPARTMENT
`OF TAXATION
`STATE
`OF NEW YORK
`COURT
`OF THE
`CRIMINAL
`CITY
`OF NYC,
`OF SOCIAL
`COMMISSIONER
`SERVICES
`SPV I, LLC,
`SUPREME
`QUEENS
`CAVALRY
`COURT,
`OF NEW YORK,
`CITY
`OF
`PEOPLE
`OF THE STATE
`NEW YORK TRANSIT
`ADUDICATION
`BUREAU,
`OF NEW YORK ENVIRONMENTAL
`CONTROL
`CITY
`NEW YORK
`PARKING
`OF
`CITY
`BOARD,
`OF NEW YORK PARKING
`VIOLATIONS
`CITY
`BUREAU,
`JOHN
`VIOLATIONS
`CITIMORTGAGE,
`BUREAU,
`INC.,
`
`DOE,
`
`Defendants.
`
`PLEASE
`
`TAKE
`
`NOTICE
`
`that
`
`defendants
`
`ELIOTT
`
`K. ROBINSON
`
`AKA ELIOTT
`
`KINSLER
`
`ROBINSON
`
`AKA ELIOTT
`
`ROBINSON,
`
`CO-ADMINISTRATOR
`
`OF THE
`
`ESTATE
`
`OF EVELYN
`
`ANN KINSLER
`
`AKA EVELYN
`
`A. KINSLER
`
`AND HEIR
`
`TO
`
`THE ESTATE
`
`OF EVELYN
`
`ANN KINSLER
`
`AKA EVELYN
`
`A. KINSLER,
`
`RICHARD
`
`WILLIAMS,
`
`CO-ADMINISTRATOR
`
`OF THE
`
`ESTATE
`
`OF EVELYN
`
`ANN KINSLER
`
`AKA
`
`1 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`EVELYN
`
`A. KINSLER
`
`AND HEIR
`
`TO THE
`
`ESTATE
`
`OF EVELY
`
`N ANN
`
`KINSLER
`
`AKAEVELYN
`
`A. KINSLER
`
`hereby
`
`appear
`
`in this
`
`proceeding
`
`by way
`
`of
`
`their
`
`attorney
`
`and
`
`that
`
`the
`
`undersigned
`
`has
`
`been
`
`retained
`
`as attorney
`
`for
`
`said
`
`defendants
`
`and
`
`demands
`
`that
`
`you
`
`serve
`
`all
`
`papers
`
`upon
`
`the
`
`undersigned
`
`at
`
`the
`
`address
`
`stated
`
`below.
`
`FURTHER
`
`NOTICE
`
`PLEASE
`
`TAKE
`
`that
`
`the
`
`defendants
`
`hereby
`
`interpose
`
`the following
`
`answer
`
`to the Complaint
`
`herein.
`
`1.
`
`The
`
`defendants
`
`ELIOTT
`
`K. ROBINSON
`
`AKA ELIOTT
`
`KINSLER
`
`ROBINSON
`
`AKA ELIOTT
`
`ROBINSON,
`
`CO-ADMINISTRATOR
`
`OF THE
`
`ESTATE
`
`OF EVELYN
`
`ANN
`
`KINSLER
`
`AKA EVELYN
`
`A. KINSLER
`
`AND HEIR
`
`TO THE
`
`ESTATE
`
`OF EVELYN
`
`ANN
`
`KINSLER
`
`AKA EVELYN
`
`A. KINSLER,
`
`RICHARD
`
`WILLIAMS,
`
`CO-ADMINISTRATOR
`
`OF THE ESTATE
`
`OF EVELYN
`
`ANN KINSLER
`
`AKA EVELYN
`
`A. KINSLER
`
`AND HEIR
`
`OF EVELY
`
`N ANN
`
`KINSLER
`
`AKAEVELYN
`
`TO THE
`
`ESTATE
`
`A. KINSLER
`
`(collectively
`
`"Robinson/Kinsler")
`
`deny
`
`each
`
`and
`
`every
`
`allegation
`
`contained
`
`in paragraphs
`
`"8"
`
`"9."
`
`and
`
`2.
`
`The
`
`defendants
`
`Robinson/Kinster
`
`do not
`
`possess
`
`knowledge
`
`or
`
`information
`
`sufficient
`
`to form
`
`a belief
`
`with
`
`respect
`
`to the
`
`allegations
`
`contained
`
`in paragraphs
`
`"1",
`
`"2",
`
`"3",
`
`"4",
`
`"5",
`
`"6",
`
`"11",
`
`"12",
`
`"13",
`
`"14",
`
`"15",
`
`"16",
`
`"17",
`
`"18",
`
`"19",
`
`"20",
`
`"21",
`
`"22,"
`
`"7",
`
`"10",
`
`"23",
`
`"24",
`
`"25",
`
`"27",
`
`"28",
`
`"29",
`
`"30."
`
`and
`
`FIRST
`
`AFFIRMATIVE
`
`DEFENSE
`
`3.
`
`Plaintiff
`
`does
`
`not
`
`have
`
`standing
`
`to sue because
`
`it was
`
`not
`
`the
`
`legal
`
`owner
`
`of
`
`the
`
`Note
`
`and/or
`
`Mortgage
`
`at
`
`the time
`
`it commenced
`
`this
`
`foreclosure
`
`lawsuit.
`
`SECOND
`
`AFFIRMATIVE
`
`DEFENSE
`
`4.
`
`Plaintiff
`
`failed
`
`to properly
`
`serve
`
`the Summons
`
`and Complaint
`
`pursuant
`
`to NY
`
`2
`
`2 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`CPLR
`
`308.
`
`5.
`
`Specifically,
`
`Plaintiff
`
`failed
`
`to make
`
`the
`
`necessary
`
`attempts
`
`to serve
`
`the
`
`named
`
`parties
`
`and
`
`defendants
`
`"Robinson/Kinsler."
`
`6.
`
`At
`
`the times
`
`Plaintiff's
`
`process
`
`server
`
`claims
`
`to have
`
`attempted
`
`service,
`
`but
`
`failed
`
`to serve
`
`defendants
`
`"Robinson/Kinsler")
`
`personally,
`
`at
`
`the
`
`times
`
`there
`
`were
`
`individuals,
`
`either
`
`the
`
`defendants
`
`or an authorized
`
`party,
`
`at
`
`the Premises.
`
`7.
`
`8.
`
`Plaintiff
`
`did
`
`not make
`
`the
`
`necessary
`
`attempts
`
`at service.
`
`THIRD
`
`AFFIRMATIVE
`
`DEFENSE
`
`Defendants
`
`reserve
`
`the
`
`right
`
`to
`
`amend
`
`this
`
`answer
`
`and
`
`to
`
`assert
`
`additional
`
`defenses
`
`or
`
`to
`
`supplement,
`
`alter
`
`or
`
`change
`
`this
`
`answer
`
`and
`
`assert
`
`additional
`
`cross-claims
`
`or
`
`completion
`
`and
`
`counterclaims
`
`upon
`
`ascertaining
`
`more
`
`definite
`
`facts
`
`upon
`
`of
`
`discovery
`
`investigation.
`
`FOURTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`9.
`
`That
`
`the
`
`defendants
`
`hereby
`
`gives
`
`notice
`
`that
`
`it
`
`intends
`
`to
`
`rely
`
`upon
`
`such
`
`other
`
`defenses
`
`as may
`
`become
`
`available
`
`or apparent
`
`during
`
`discovery
`
`proceedings,
`
`or as may
`
`be raised
`
`or asserted
`
`by other
`
`defendants
`
`in this
`
`case.
`
`FIFTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`10.
`
`Plaintiff's
`
`claims
`
`are barred
`
`the
`
`doctrine
`
`of unclean
`
`hands.
`
`by
`
`SIXTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`11.
`
`Defendants
`
`has
`
`suffered
`
`damages
`
`by
`
`reason
`
`of
`
`the
`
`plaintiff's
`
`conduct,
`
`and
`
`has
`
`a
`
`right
`
`to
`
`offset
`
`any
`
`amount
`
`of money
`
`owed
`
`to the
`
`plaintiff
`
`or
`
`due
`
`the
`
`plaintiff
`
`by way
`
`of
`
`these
`
`damages.
`
`3
`
`3 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`SEVENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`12.
`
`That
`
`the
`
`complaint
`
`fails
`
`to allege
`
`a cause
`
`of action
`
`or
`
`sufficient
`
`facts
`
`to state
`
`and
`
`constitute
`
`a proper
`
`cause
`
`of action
`
`against
`
`the
`
`defendants.
`
`EIGHTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`13.
`
`The
`
`causes
`
`of
`
`action
`
`alleged
`
`in plaintiffs
`
`complaint
`
`are
`
`barred
`
`by
`
`the
`
`doctrine
`
`of
`
`laches
`
`because
`
`plaintiff
`
`inexcusably
`
`and
`
`unreasonably
`
`delayed
`
`in
`
`filing
`
`and
`
`serving
`
`the
`
`complaint,
`
`to the prejudice
`
`of
`
`the
`
`defendants.
`
`NINTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`14.
`
`That
`
`the
`
`causes
`
`of
`
`action
`
`alleged
`
`in plaintiffs
`
`complaint
`
`are
`
`barred
`
`by
`
`estoppel,
`
`including
`
`being
`
`barred
`
`by
`
`reason
`
`of
`
`acts,
`
`omissions,
`
`representations
`
`and
`
`courses
`
`of
`
`conduct
`
`by
`
`plaintiff
`
`by which
`
`defendants
`
`was
`
`led
`
`to rely
`
`to their
`
`detriment.
`
`TENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`15.
`
`That
`
`the
`
`causes
`
`of
`
`action
`
`alleged
`
`in
`
`plaintiffs
`
`complaint
`
`are
`
`barred
`
`by waiver,
`
`including
`
`that
`
`plaintiff
`
`engaged
`
`in
`
`conduct
`
`that
`
`constituted
`
`a waiver
`
`and
`
`full
`
`release
`
`of
`
`their
`
`rights
`
`and
`
`by
`
`reason
`
`of
`
`said
`
`waiver,
`
`defendants
`
`is
`
`excused
`
`from
`
`any
`
`performance
`
`of
`
`the
`
`obligations
`
`under
`
`the
`
`alleged
`
`agreement.
`
`ELEVENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`16.
`
`If,
`
`after
`
`trial,
`
`plaintiff
`
`should
`
`prove
`
`that
`
`an
`
`agreement
`
`existed
`
`as
`
`alleged,
`
`the
`
`plaintiff's
`
`breached
`
`the
`
`alleged
`
`agreement
`
`with
`
`defendants,
`
`and
`
`that
`
`by
`
`reason
`
`of
`
`said
`
`breach,
`
`defendants
`
`has been
`
`excused
`
`of
`
`their
`
`duties
`
`to perform
`
`all
`
`obligations
`
`set
`
`forth
`
`in said
`
`agreement.
`
`TWELFTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`4
`
`4 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`17.
`
`That
`
`any
`
`amount
`
`of
`
`damages
`
`otherwise
`
`recoverable
`
`by
`
`the
`
`plaintiff
`
`shall
`
`be
`
`diminished
`
`in
`
`the
`
`proportion
`
`which
`
`such
`
`culpable
`
`conduct
`
`of
`
`the
`
`plaintiffs
`
`bear
`
`to
`
`the
`
`total
`
`culpable
`
`conduct
`
`causing
`
`the
`
`injury
`
`or damages
`
`alleged.
`
`THIRTEENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`That
`
`in
`
`the
`
`event
`
`of
`
`judgment
`
`or
`
`verdict
`
`on
`
`behalf
`
`of
`
`the
`
`the
`
`18.
`
`any
`
`plaintiff(s),
`
`defendants(s)
`
`are entitled
`
`to a set-off
`
`or credit
`
`with
`
`respect
`
`to the
`
`amounts
`
`of any
`
`payments
`
`made
`
`to the
`
`plaintiff(s)
`
`for
`
`expenses
`
`prior
`
`thereto
`
`and/or
`
`with
`
`respect
`
`to any
`
`settlement
`
`proceeds
`
`paid
`
`to the
`
`plaintiff
`
`from
`
`the
`
`circumstances
`
`herein,
`
`including
`
`a reduction
`
`by
`
`the
`
`amount
`
`of
`
`plaintiffs
`
`prior
`
`settlement
`
`with
`
`other
`
`potentially
`
`liable
`
`parties
`
`or
`
`the
`
`percentage
`
`of
`
`negligence
`
`attributable
`
`to G.O.L.
`
`15-108.
`
`.
`
`to such
`
`other
`
`potentially
`
`liable
`
`parties,
`
`whichever
`
`is greater,
`
`pursuant
`
`FOURTEENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`19.
`
`Plaintiff
`
`breached
`
`the
`
`implied
`
`covenant
`
`of good
`
`faith
`
`and
`
`fair
`
`dealing
`
`contained
`
`in
`
`all
`
`contracts.
`
`FIFTEENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`20.
`
`Plaintiff's
`
`claims
`
`are
`
`barred
`
`by
`
`their
`
`own
`
`misconduct,
`
`negligence,
`
`fraud,
`
`and
`
`gross
`
`negligence
`
`with
`
`respect
`
`to the
`
`underlying
`
`subject
`
`matter
`
`of
`
`this
`
`litigation.
`
`SIXTEENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`plaintiff
`
`21.
`
`If,
`
`after
`
`trial,
`
`should
`
`prove
`
`that
`
`plaintiff
`
`sustained
`
`injuries
`
`and
`
`damages
`
`as
`
`alleged,
`
`such
`
`injuries
`
`and
`
`damages
`
`are usurious
`
`and
`
`violate
`
`state
`
`and
`
`federal
`
`laws.
`
`SEVENTEENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`22.
`
`If,
`
`after
`
`trial,
`
`plaintiff
`
`should
`
`prove
`
`that
`
`plaintiff
`
`sustained
`
`injuries
`
`and
`
`damages
`
`as
`
`alleged,
`
`such
`
`injuries
`
`and
`
`damages
`
`are usurious
`
`and
`
`violate
`
`state
`
`and
`
`federal
`
`laws.
`
`5
`
`5 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`EIGHTEENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`23.
`
`Plaintiff
`
`failed
`
`to serve
`
`notice
`
`of
`
`the
`
`"Help
`
`for
`
`Homeowners"
`
`Foreclosure"
`
`in
`
`that
`
`was
`
`supposed
`
`to
`
`be
`
`served
`
`with
`
`the
`
`Foreclosure
`
`Summons
`
`and
`
`Complaint
`
`(NY
`
`Real
`
`Property
`
`Actions
`
`and Proceedings
`
`Law Section
`
`1303).
`
`NINETEENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`knowledge
`
`that
`
`the
`
`plaintiff
`
`was
`
`assigned
`
`the
`
`debt
`
`that
`
`is
`
`24.
`
`Defendants
`
`have
`
`no
`
`alleged
`
`to be owed.
`
`TWENTIETH
`
`AFFIRMATIVE
`
`DEFENSE
`
`25.
`
`Upon
`
`information
`
`and
`
`belief,
`
`plaintiff
`
`regularly
`
`makes
`
`mortgage
`
`loans,
`
`and
`
`is
`
`therefore
`
`subject
`
`to the
`
`Truth
`
`in
`
`Lending
`
`Act
`
`("TILA"),
`
`15 U.S.C.
`
`§ 1601
`
`et seq;;
`
`and
`
`Federal
`
`Reserve
`
`Board
`
`Regulation
`
`Z,
`
`12 C.F.R.
`
`§ 226.
`
`which
`
`implements
`
`TILA.
`
`26.
`
`Upon
`
`course
`
`of
`
`the
`
`consumer
`
`credit
`
`transaction
`
`information
`
`and
`
`belief,
`
`in the
`
`between
`
`plaintiff
`
`n , plaintiff
`
`violated
`
`the disclosure
`
`requirements
`
`of TILA
`
`and Regulation
`
`Z in
`
`the
`
`following
`
`and
`
`other
`
`respects
`
`:
`
`a.
`
`by
`
`improperly
`
`falling
`
`to disclose
`
`in the
`
`finance
`
`charge
`
`certain
`
`charges
`
`imposed
`
`by plaintiff
`
`directly
`
`and
`
`indirectly
`
`as an incident
`
`to the
`
`extension
`
`of
`
`credit,
`
`in violation
`
`of
`
`15 U.S.C.
`
`§1638(a)(3)
`
`and Regulation
`
`Z § 226.4
`
`and
`
`226.18(d)
`
`in the
`
`finance
`
`charge
`
`payable
`
`to certain
`
`b.
`
`by
`
`failing
`
`to disclose
`
`fees
`
`third
`
`parties
`
`that were
`
`not
`
`bona
`
`fide
`
`nor
`
`reasonable
`
`in amount,
`
`as required
`
`by Regulation
`
`Z §226.4;
`
`§.1638(a)(2)(A)
`
`c.
`
`d.
`
`by
`
`improperly
`
`disclosing
`
`the
`
`amount
`
`financed,
`
`in violation
`
`of
`
`15 U.S.C.
`
`and Regulation
`
`Z §226.4
`
`and
`
`226.18
`
`(d);
`
`and
`
`by
`
`improperly
`
`disclosing
`
`the
`
`annual
`
`percentage
`
`rate
`
`(APR),
`
`in violation
`
`of
`
`15 U.S.C.
`
`§1638(a)(4)
`
`and Regulation
`
`Z §226.18(e).
`
`6
`
`6 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`27.
`
`Further,
`
`plaintiff
`
`failed
`
`to delay
`
`performance
`
`until
`
`after
`
`the
`
`expiration
`
`of
`
`the
`
`defendants
`
`statutory
`
`rescission
`
`period
`
`for
`
`such
`
`transaction,
`
`in violation
`
`of
`
`12 C.F.R.
`
`§ 226.23(c).
`
`Specifically,
`
`services
`
`were
`
`performed
`
`before
`
`the
`
`rescission
`
`period
`
`expired.
`
`28.
`
`Because
`
`of
`
`the
`
`violations
`
`of TILA
`
`and Regulation
`
`Z, defendants
`
`Robinson/Kinster
`
`have
`
`an extended
`
`right
`
`to rescind
`
`the mortgage
`
`loan
`
`transaction
`
`with
`
`plaintiff
`
`pursuant
`
`to
`
`15 U.S.C
`
`§1635.
`
`Robinson/Kinsler
`
`hereby
`
`exercises
`
`their
`
`right
`
`to rescind
`
`the mortgage
`
`transaction.
`
`As
`
`a result
`
`of
`
`the
`
`aforesaid
`
`violations
`
`of TILA
`
`and Regulation
`
`Z, Plaintiff
`
`is liable
`
`29.
`
`30.
`
`for:
`
`a.
`
`Rescission
`
`of
`
`the mortgage
`
`loan
`
`transaction,
`
`termination
`
`of any
`
`security
`
`interest
`
`created
`
`under
`
`the transaction,
`
`and
`
`return
`
`given
`
`to anyone
`
`in connection
`
`with
`
`this
`
`transaction:
`
`of any money
`
`or property
`
`by Plaintiff
`
`b.
`
`c.
`
`d.
`
`Actual
`
`damages
`
`in an amount
`
`to be determined
`
`at
`
`trial;
`
`Statutory
`
`damages
`
`as provided
`
`by
`
`15 U.S.C.
`
`§1640;
`
`and
`
`Costs,
`
`disbursements,
`
`and
`
`attorney's
`
`fees.
`
`TWENTY-FIRST
`
`AFFIRMATIVE
`
`DEFENSE
`
`31.
`
`The
`
`plaintif
`
`was
`
`required
`
`to serve
`
`defendants
`
`Robinson/Kinsler
`
`with
`
`a ninety
`
`day
`
`notice
`
`of pre-foreclosure.
`
`The
`
`plaintiff
`
`failed
`
`to comply
`
`with
`
`this
`
`statutory
`
`requirement.
`
`As
`
`such,
`
`this
`
`action
`
`is not
`
`timely
`
`and
`
`the
`
`court
`
`lacks
`
`jurisdiction
`
`due
`
`to the
`
`plaintiff
`
`not
`
`complying
`
`with
`
`the
`
`requirements
`
`as set out
`
`by
`
`the
`
`laws
`
`of
`
`the
`
`state.
`
`TWENTY-SECOND
`
`AFFIRMATIVE
`
`DEFENSE
`
`32.
`
`Plaintiff
`
`has not
`
`and
`
`cannot
`
`produce
`
`the
`
`security
`
`note
`
`for
`
`the mortgage
`
`on the
`
`premises.
`
`7
`
`7 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`33.
`
`The
`
`defendants
`
`Robinson/Kinsler
`
`demands
`
`that
`
`Plaintiff
`
`produce
`
`the
`
`note
`
`on the
`
`premises
`
`so that
`
`they may
`
`adequately
`
`prepare
`
`their
`
`defenses
`
`and
`
`counterclaims
`
`and
`
`if necessary
`
`amend
`
`this
`
`answer
`
`to include
`
`additional
`
`defenses
`
`and
`
`counterclaims.
`
`34.
`
`Until
`
`Plaintiff
`
`produces
`
`the
`
`note
`
`in a timely
`
`manner,
`
`this
`
`action
`
`should
`
`be stayed,
`
`or
`
`fails
`
`note
`
`this
`
`action
`
`should
`
`be dismissed
`
`in its
`
`in the
`
`alternative
`
`if Plaintiff
`
`to produce
`
`the
`
`entirety.
`
`TWENTY-THIRD
`
`AFFIRMATIVE
`
`DEFENSE
`
`35.
`
`To maintain
`
`a foreclosure
`
`action
`
`under
`
`New York
`
`state
`
`law,
`
`the
`
`plaintiff
`
`must
`
`own
`
`both
`
`the mortgage
`
`and
`
`the note.
`
`Because
`
`Plaintiff
`
`does
`
`not
`
`own
`
`the
`
`note
`
`(and may
`
`not
`
`own
`
`the mortgage),
`
`Plaintiff
`
`lacks
`
`legal
`
`capacity
`
`to bring
`
`this
`
`foreclosure
`
`action.
`
`TWENTY-FOURTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`36.
`
`a foreclosure
`
`action
`
`under
`
`New York
`
`plaintiff
`
`must
`
`To maintain
`
`state
`
`law,
`
`the
`
`own
`
`both
`
`the mortgage
`
`and
`
`the
`
`note.
`
`Because
`
`Plaintiff
`
`does
`
`not
`
`own
`
`the
`
`note
`
`(and may
`
`not
`
`own
`
`the mortgage),
`
`Plaintiff
`
`lacks
`
`standing
`
`to bring
`
`this
`
`foreclosure
`
`action.
`
`TWENTY-FIFTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`37.
`
`Plaintiff
`
`has
`
`failed
`
`to join
`
`an indispensable
`
`part.
`
`If
`
`the
`
`note
`
`and/or
`
`mortgage
`
`are
`
`held
`
`as the
`
`plaintiff
`
`alleges
`
`in their
`
`then
`
`action
`
`brought
`
`under
`
`those
`
`in a trust,
`
`complaint,
`
`any
`
`instruments
`
`must
`
`be brought
`
`by all members
`
`of
`
`the
`
`trust.
`
`TWENTY-SIXTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`38.
`
`The Court
`
`lacks
`
`subject
`
`matter
`
`jurisdiction,
`
`as the
`
`true Owner
`
`of
`
`the
`
`claim
`
`upon
`
`which
`
`the Complaint
`
`is based
`
`did
`
`not
`
`bring
`
`the
`
`lawsuit.
`
`The
`
`plaintiff
`
`is not
`
`the
`
`real
`
`party
`
`in
`
`interest
`
`and
`
`fails
`
`to show
`
`any
`
`authorization
`
`to bring
`
`this
`
`action.
`
`TWENTY-SEVENTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`8
`
`8 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`39.
`
`Plaintiff
`
`brought
`
`this
`
`action
`
`without
`
`providing
`
`notice
`
`to Defendants
`
`of
`
`Defendants'
`
`right
`
`to dispute
`
`the
`
`debt,
`
`pursuant
`
`to the Fair Debt
`
`Collection
`
`Practices
`
`Act.
`
`Plaintiff
`
`is required
`
`to notify
`
`Defendants
`
`pursuant
`
`to
`
`15 U.S.C.
`
`1601
`
`et. Seq.
`
`that Defendants
`
`may
`
`dispute
`
`the
`
`debt
`
`and Plaintiff
`
`is required
`
`to provide
`
`verification
`
`for
`
`the
`
`debt.
`
`Defendants
`
`hereby
`
`dispute
`
`the
`
`debt
`
`and
`
`demands
`
`that
`
`Plaintiff
`
`verify
`
`the
`
`debt
`
`in accordance
`
`with
`
`the Fair Debt
`
`Collection
`
`Practices
`
`Act.
`
`Plaintiff
`
`is required
`
`to suspend
`
`litigation
`
`until
`
`verification
`
`of
`
`the debt
`
`at
`
`issue.
`
`TWENTY-EIGHTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`40.
`
`The Court
`
`lacks
`
`subject
`
`matter
`
`jurisdiction,
`
`as the
`
`true Owner
`
`of
`
`the
`
`claim
`
`upon
`
`not
`
`the
`
`lawsuit.
`
`The
`
`plaintiff
`
`is not
`
`the
`
`real
`
`in
`
`which
`
`the Complaint
`
`is based
`
`did
`
`bring
`
`party
`
`interest
`
`and
`
`fails
`
`to show
`
`any
`
`authorization
`
`to bring
`
`this
`
`action.
`
`TWENTY-NINTH
`
`AFFIRMATIVE
`
`DEFENSE
`
`41.
`
`Plaintiff
`
`and
`
`its predecessors
`
`and/or
`
`assignors
`
`failed
`
`to give
`
`proper
`
`annual
`
`accountings
`
`of
`
`the
`
`funds
`
`contained
`
`in
`
`Defendants'
`
`escrow
`
`account.
`
`THIRTIETH
`
`AFFIRMATIVE
`
`DEFENSE
`
`42.
`
`The
`
`doctrine
`
`of
`
`statute
`
`of
`
`limitations
`
`does
`
`not
`
`permit
`
`the Plaintiff
`
`to prevail
`
`on the
`
`claims
`
`of
`
`liability
`
`and/or
`
`damages.
`
`THIRTY-FIRST
`
`AFFIRMATIVE
`
`DEFENSE
`
`43.
`
`The
`
`doctrine
`
`of Res
`
`Judicata
`
`does
`
`not
`
`permit
`
`the Plaintiff
`
`to prevail
`
`on the
`
`claims
`
`of
`
`liability
`
`and/or
`
`damages.
`
`THIRTY-SECOND
`
`AFFIRMATIVE
`
`DEFENSE
`
`44.
`
`The
`
`doctrine
`
`of Stare Decisis
`
`does
`
`not
`
`permit
`
`the Plaintiff
`
`to prevail
`
`on the
`
`claims
`
`of
`
`liability
`
`and/or
`
`damages.
`
`9
`
`9 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`45.
`
`46.
`
`The mortgage
`
`contains
`
`provisions
`
`for
`
`legal
`
`fees
`
`that
`
`Plaintiff
`
`seeks
`
`in this
`
`action.
`
`Defendants
`
`are entitled
`
`to their
`
`legal
`
`fees
`
`and
`
`costs
`
`under
`
`Real
`
`Property
`
`Law
`
`282
`
`which
`
`provides
`
`that
`
`all mortgage
`
`agreements
`
`giving
`
`prevailing
`
`lenders
`
`the
`
`right
`
`to
`
`attorney's
`
`fees must
`
`be read
`
`to grant
`
`that
`
`right
`
`to borrowers
`
`as well.
`
`this
`
`court
`
`WHEREFORE,
`
`Defendants
`
`respectfully
`
`requests
`
`that
`
`1) dismiss
`
`the
`
`complaint
`
`in its entirety;
`
`2) enjoin
`
`the Plaintiff
`
`from
`
`enforcing
`
`the mortgage
`
`and
`
`note;
`
`3) award
`
`attorney's
`
`fees
`
`to defendants';
`
`and
`
`4) awards
`
`such
`
`other
`
`and
`
`further
`
`relief
`
`as this Court
`
`deems
`
`just
`
`and
`
`proper.
`
`DATED:
`
`Fresh Meadows,
`2, 2023
`May
`
`New York
`
`FRANZETTI
`
`LAW OFFICES,
`
`P.C.
`
`BY:
`
`J
`
`e
`
`S J. FRANZETTI,
`
`ESQ.
`
`To:
`
`GILMAN
`
`WOODS OVIATT
`for Plaintiffs
`Attorneys
`700 CROSSROADS
`STREET
`2 STATE
`NEW YORK
`ROCHESTER,
`855-227-5072
`TEL:
`
`BUILDING
`
`LLP
`
`14614
`
`10
`
`10 of 11
`
`

`

`
`FILED: QUEENS COUNTY CLERK 05/02/2023 07:51 PMFILED: QUEENS COUNTY CLERK 08/30/2024 10:59 AM
`
`NYSCEF DOC. NO. 55NYSCEF DOC. NO. 75
`
`
`
`INDEX NO. 701954/2023INDEX NO. 701954/2023
`
`
`
`RECEIVED NYSCEF: 05/02/2023RECEIVED NYSCEF: 08/30/2024
`
`VERIFICATION
`
`SS:
`
`} }
`
`}
`
`State
`
`of New York
`
`County
`
`of QUEENS
`
`I, ELIOTF ROBINSON,
`
`having
`
`been
`
`duly
`
`sworn,deposes
`
`and states
`
`that
`
`I
`
`have read the foregoing
`
`Verified
`
`Answer,
`
`and that
`
`the information
`
`stated
`
`therein
`
`as factual
`
`is
`
`and those
`
`factual
`
`matters
`
`which
`
`are stated
`
`upon
`
`information
`
`and belief
`
`are believed
`
`to be
`
`true,
`
`true.
`
`EUOTT ROBINSON
`
`to and sworn
`Subscribed
`2d
`*
`2023
`day of Mary,
`
`before me this
`
`-----
`
`NOfARY
`
`UBUC
`
`...-
`Joe-:"NE EDNAMCNEIL
`Notary F alic -State of New York
`NJ. OtMC6294952
`Qualifiec in Queens County
`My Coc mssion Expires Dec 23, 2015
`
`JOANNEEDNAMCNEli
`Notary PubHC- State of New York
`No. 01sC6294952
`Qualified in Queens County
`My Commission Expires Dec 23, 2025
`
`11 of 11
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`