Marsden v. BAC HOME LOANS SERVICING, LP | FL 4DCA - Because the bank did not present any evidence of the amount of interest owed, we reverse and remand for the trial court to amend the final judgment and remove any calculations for interest

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Marsden v. BAC HOME LOANS SERVICING, LP | FL 4DCA – Because the bank did not present any evidence of the amount of interest owed, we reverse and remand for the trial court to amend the final judgment and remove any calculations for interest

Marsden v. BAC HOME LOANS SERVICING, LP | FL 4DCA – Because the bank did not present any evidence of the amount of interest owed, we reverse and remand for the trial court to amend the final judgment and remove any calculations for interest

 

MARIO MARSDEN and ROSAL MARSDEN, Appellants,
v.
BAC HOME LOANS SERVICING, L.P. f/k/a COUNTRYWIDE HOME LOANS SERVICING, L.P.; NEWPORT ISLES PROPERTY OWNERS ASSOCIATION, INC.; PORTOFINO ISLES HOMEOWNERS ASSOCIATION INC.; and Unknown Tenant(s) In Possession Of The Subject Property, Appellees.

No. 4D14-1623.
District Court of Appeal of Florida, Fourth District.
July 13, 2016.
Appeal from the Circuit Court for the Nineteenth Judicial Circuit, St. Lucie County; James W. Midelis, Judge; L.T. Case No. 562009CA005997.

Thomas Erskine Ice of Ice Appellate, Royal Palm Beach, for appellants.

Adam M. Topel of Liebler Gonzalez & Portuondo, for appellee Bank of America, N.A., successor by merger to BAC Home Loans Servicing, L.P., f/k/a Countrywide Home Loans Servicing, L.P.

CIKLIN, C.J.

Mario and Rosal Marsden (the “borrowers”) challenge a final judgment of foreclosure entered in favor of BAC Home Loans Servicing, L.P. f/k/a Countrywide Home Loans Servicing, L.P. (the “bank”). They raise multiple issues on appeal. We find only one has merit, and reverse and remand for the trial court to enter an amended final judgment and therein to eliminate its award of interest, in that the record is devoid of any such proof.

The borrowers argue that the bank did not prove the amount of damages reflected in the final judgment. We agree, but only as to the award of interest. At trial, the bank relied on a payment history to prove its damages. The payment history, however, does not provide an evidentiary basis for the inclusion of any interest. Further, the face of the note does not make apparent how much interest, if any, is owed. The bank’s witness testified that the amounts in a proposed final judgment were consistent with the payment history, but the witness did not offer any testimony as to the amount of interest owed, and the proposed final judgment was not entered into evidence.[1] Because the bank did not present any evidence of the amount of interest owed, we reverse and remand for the trial court to amend the final judgment and remove any calculations for interest.

Reversed and remanded with instructions.

WARNER and GERBER, JJ., concur.

Not final until disposition of timely filed motion for rehearing.

[1] If the bank had offered some, but insufficient, evidence of the amount of interest owed, we would remand for the trial court to take additional evidence. See McMillan v. Bank of New York Mellon, 180 So. 3d 1090, 1091-92 (Fla. 4th DCA 2015).

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2 Responses to “Marsden v. BAC HOME LOANS SERVICING, LP | FL 4DCA – Because the bank did not present any evidence of the amount of interest owed, we reverse and remand for the trial court to amend the final judgment and remove any calculations for interest”

  1. tesah says:

    THE STATE OF NEW JERSEY MUST FORCE N.J JUDGES TO READ CASES LIKE THAT AND LEARN WHAT FAIRNES AND JUSTICE IS ALL ABOUT THE STATE SHOULD PARTICULARY READ ALL FORECLOSURE ORDERS WHICH ORIGINATED BT THE IGNORATE JUDGE EDWARD A JEREJIAN THAT IS KNOWN TO IGNORE FACTS AND IS ANTI HOMEOWNERS IN BERGEN COUNTY

  2. tesah says:

    THE STATE OF NEW JERSEY MUST FORCE N.J JUDGES TO READ CASES LIKE THAT AND LEARN WHAT FAIRNES AND JUSTICE IS ALL ABOUT THE STATE SHOULD PARTICULARY READ ALL FORECLOSURE ORDERS WHICH ORIGINATED BT THE IGNORATE JUDGE EDWARD A JEREJIAN THAT IS KNOWN TO IGNORE FACTS AND IS ANTI HOMEOWNERS IN BERGEN COUNTY

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