Mark Geran v. Xerox Education Services, Inc. ( 2015 )


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  •          IN THE MISSOURI COURT OF APPEALS
    WESTERN DISTRICT
    MARK GERAN,                                  )
    )
    Appellant,                    )
    )
    vs.                                          )       WD77507
    )
    XEROX EDUCATION SERVICES,                    )       Opinion filed: May 19, 2015
    INC.,                                        )
    )
    Respondent.                   )
    APPEAL FROM THE CIRCUIT COURT OF JACKSON COUNTY, MISSOURI
    THE HONORABLE ROBERT M. SCHIEBER, JUDGE
    Before Division Two: Lisa White Hardwick, Presiding Judge,
    Victor C. Howard, Judge and Cynthia L. Martin, Judge
    Mark Geran appeals from the summary judgment in favor of Xerox Education Services,
    Inc. (XES), a loan servicer, in his suit for damages for violations of the Missouri Merchandising
    Practices Act and for intentional infliction of emotional distress. The judgment is affirmed.
    Factual and Procedural Background
    Mr. Geran took out various student loans with Norwest Bank for his law school education
    between 1997 and 2000, and Wells Fargo Education Financial Services became the holder of the
    promissory notes relating to those loans. In 2005, Mr. Geran applied for and entered into an
    agreement with Wells Fargo to consolidate all of his student loans and executed a Promissory
    Note in favor of Wells Fargo promising to repay that consolidated loan. Mr. Geran applied for
    an income sensitive repayment plan but was placed on a graduated repayment plan that provided
    for interest only payments for one-third of the repayment period and a level monthly payment for
    the remaining two-thirds of the repayment period. On March 18, 2005, Wells Fargo mailed Mr.
    Geran a Disclosure Statement and Repayment Schedule for the consolidated loan. It showed that
    the consolidated loan consisted of two accounts for subsidized and unsubsidized portions and set
    out the specific repayment plan—100 payments of $160.41/month total for both accounts
    beginning April 2005 and then the remaining 200 payments of $345.55/month beginning in
    August 2013.    The Promissory Note provided that terms of the Disclosure Statement and
    Repayment Schedule were made part of the loan:
    At or about the time my Federal Consolidated Loan is disbursed, a disclosure
    statement and repayment schedule (“disclosure”) will be provided to me. This
    disclosure will identify my Federal Consolidated Loan amount and additional
    terms of the loan….If the information in this Note conflicts with information in
    the disclosure, the specific terms and information in the disclosure apply to my
    loan.
    Similarly, the Disclosure Statement and Repayment Schedule provided, “This document will
    become an attachment to, and a part of, your Consolidated Loan Application/Promissory Note.
    Mr. Geran had the ability at any time under the Promissory Note and the Disclosure Statement
    and Repayment Schedule to request a change in his repayment plan, but Wells Fargo was not
    obligated to grant such request. Specifically, the Disclosure Statement and Repayment Schedule
    provided, “You must repay your loan according to the scheduled payments described below,
    unless the lender of your Consolidated Loan agrees to other terms.”           Additionally, the
    Promissory Note provided that the lender “may allow” a forbearance (temporary delayed or
    reduced loan payments) if the borrower is unable to make scheduled loan payments.
    In 2011, Wells Fargo contracted with ACS Education Services, Inc. (ACS), which was
    later acquired by XES in 2012, to service Mr. Geran’s consolidated loan. On March 23, 2011,
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    ACS sent Mr. Geran a letter informing him that it could not accommodate the graduated payment
    plan that he was on with Wells Fargo and gave him an option to request a graduated plan offered
    by ACS or be placed on level payments. Specifically, the letter provided:
    ACS has determined that your account(s) was approved for a graduated
    repayment plan while being serviced by Wells Fargo Education Financial
    Services. While ACS offers graduated repayment plans, we cannot accommodate
    the identical plan you previously selected at Wells Fargo Education Financial
    Services. We do offer a similar plan with a tiered repayment schedule where the
    payment amount gradually increases every 24 months. If you would like to
    choose this repayment plan, please complete the bottom portion of this letter and
    send the entire letter to the following address by 5/22/2011….
    It was undisputed that Mr. Geran called ACS on May 23, 2011, regarding the repayment plan
    change. Mr. Geran alleged that the customer service representative estimated that his monthly
    payment amount under the new tiered repayment schedule would be $154.81 within plus/minus
    ten percent. ACS admitted that the customer service representative provided Mr. Geran with an
    estimate but denied the amount. It also presented documents showing that Mr. Geran requested
    information on his debt and interest rate, requested to be placed on ACS’s tiered repayment
    schedule, and was told to put his request in writing during the phone call. That day, Mr. Geran
    returned by fax and mail the March 23, 2011 letter requesting to be placed on ACS’s tiered
    repayment plan. The request was signed by Mr. Geran on May 22, 2011.
    On April 9, 2011, ACS received a copy of Mr. Geran’s Promissory Note and became
    aware that the specific terms of the repayment plans were set out in the form Promissory Note
    while most other lenders would only list the generic graduated payment definition.
    Consequently, ACS and Wells Fargo decided that ACS needed to change its system to
    accommodate the repayment plans set out in the Promissory Note. Wells Fargo and ACS entered
    into a change order in this regard dated July 14, 2011.
    3
    In the meantime, in June 2011, ACS sent Mr. Geran two Loan Consolidation Disclosure
    Statement and Repayment Schedules for the two accounts under the consolidated loan. They set
    out the specific repayment plans under the new ACS tiered repayment plan. The first payment
    beginning June 28, 2011, for both accounts of the consolidated loan was $204.03 ($93.02 for
    subsidized part plus $111.01 for unsubsidized part) and increased as follows: $244.96/month
    beginning June 28, 2013; $294.09/month beginning June 28, 2015; $353.07/month beginning
    June 28, 2017; $423.89/month beginning June 28, 2019; $508.91/month beginning June 28,
    2021; $610.99/month beginning June 28, 2023; and a single final payment of $552.99 due on
    March 28, 2025.
    ACS had sent out a billing statement under the prior graduated repayment plan dated May
    31, 2011, for the June 28 payment due of $160.41. Thereafter, it sent Mr. Geran two new billing
    statements dated June 7, 2011, one for each account under the consolidated loan, for a new total
    of $204.03 due on June 28, 2011. Mr. Geran sent ACS a payment of $180 on June 28, 2011. On
    July 10, 2011, ACS sent Mr. Geran a past due reminder.      Mr. Geran sent ACS a payment of
    approximately $160 on July 23, 2011. On July 31, 2011, ACS sent Mr. Geran a delinquency
    notice assessing late charges.
    Mr. Geran phoned ACS on August 10, 2011, to inquire about his account and the
    delinquent status. A few days later on August 16, 2011, Mr. Geran sent a letter to ACS disputing
    the delinquency on his loan and further disputing the “current monthly payment amount
    scheduled by lender/holder.” Mr. Geran complained that “ACS breached the existing agreement
    between the previous lender, Wells Fargo, and myself by stating an intention to modify the
    existing agreement;” “ACS failed to properly apply payments made to lender/holder in
    accordance with statements received by debtor;” and “ACS is [sic] represented that payment
    4
    amounts that would result from enrolling in its graduated repayment plan, and that ACS had the
    right to change payments if debtor did not enroll in the graduated repayment plan.” On August
    19, 2011, ACS received and credited a payment of $228.89 that brought Mr. Geran’s loan
    current and resolved the deficiency. Thereafter, ACS notified Mr. Geran that the late charges
    were reversed.
    ACS responded by letter to Mr. Geran’s written complaint on September 1, 2011. It
    explained that the new monthly payment effective June 28, 2011, was $204.03 and that it
    received from him a payment of $180 on June 26, 2011, which resulted in his account being past
    due and the assessment of a late charge. The letter further advised, “If you would like to be
    placed on the prior services payment plan you can submit your request and it will be taken under
    consideration.” Mr. Geran did not request to be placed back on this initial graduated repayment
    plan and made payments under the new ACS tiered repayment plan for the next year and a half
    through April 2013.
    On March 14, 2013, Mr. Geran filed his petition in this matter against XES, which
    acquired ACS in April 2012. Count I through VI alleged violations of the MMPA. Specifically,
    Mr. Geran alleged: (1) ACS’s Misrepresentation of Right and Authority to Modify Plaintiff’s
    Repayment Obligation and Statement of Coercion (Count I); (2) ACS’s Misrepresentation of
    Eligibility to Remain on Existing Agreement and Monthly Payment Amount under ACS’s
    Graduated Repayment Plan (Count II); (3) ACS’s Fraudulent Billing and Requiring of Plaintiff
    to Make Payments of Amounts in Excess of ACS’s Representations and Plaintiff’s Federal
    Consolidation Loan Disclosure Statement and Repayment Schedule (Count III); (4) ACS’s
    Scheme of Deceptive, Confusing and Misleading Billing Statements and Design to Create
    Delinquency of Plaintiff’s Account (Count IV); (5) ACS’s Unlawful Assessment of Late Fees
    5
    (Count V); and (6) Unfair Application of Payment Amounts Received by ACS (Count VI).
    In Count VII for defamation/libel, Mr. Geran alleged that ACS published and
    communicated defamatory information about his account to third parties.
    In Count VIII for intentional infliction of emotional distress, Mr. Geran alleged that ACS
    acted in an intentional manner and or intended to cause him to suffer severe emotional distress in
    asserting its right to modify the repayment schedule and in refusing to adequately address his
    complaints by telephone and letter and his consumer complaint filed with the Missouri Attorney
    General’s officer. He further alleged that ACS’s conduct proximately caused him substantial
    anxiety, depression, embarrassment, frustration, and humiliation in relation to credit reporting,
    reputation, and standing; exacerbation of his preexisting condition and symptoms of post
    traumatic stress disorder, anxiety disorder, and depression; and substantial financial hardship,
    anxiety, depression, frustration, and physical harm and discomfort related to his diminished
    ability to meet household and utility expenses.
    XES filed a motion for summary judgment arguing that Mr. Geran’s six counts for
    violation of the MMPA failed to state a claim against it because it is a loan servicer, was a
    stranger to Mr. Geran’s 2005 loan transaction with Wells Fargo, did not sell any goods or
    services to Mr. Geran, and there was no sales transaction between it and Mr. Geran. In making
    this argument, XES relied on State ex rel. Koster v. Portfolio Recovery Assocs., LLC, 
    351 S.W.3d 661
    (Mo. App. E.D. 2011), and other federal decisions following it. In Koster, the
    Eastern District upheld the dismissal of MMPA claims against a third-party debt collector who
    was not a party to the original consumer transaction. 
    Id. at 668.
    It held that “actions occurring
    after the initial sales transaction, which do not relate to any claims or representations made
    before or at the time of the initial sales transaction, and which are taken by a person who is not a
    6
    party to the initial sales transaction,” are not made “in connection with” the sale as required by
    the MMPA. 
    Id. at 667.
    XES further argued that it was entitled to summary judgment on Mr. Geran’s
    defamation/libel claim because it did not publish the statements alleged to be defamatory to any
    third party. Finally, XES argued that it was entitled to summary judgment on the intentional
    infliction of emotional distress claim because (1) Mr. Geran’s claims were limited to contract
    under the terms of the Promissory Note with Wells Fargo, and tort claims were barred pursuant
    to the economic loss doctrine, and (2) Mr. Geran could not prove that ACS’s conduct was
    extreme and outrageous or that the conduct was done solely to inflict extreme emotional harm on
    him.
    Mr. Geran filed a response to the motion for summary judgment and a statement of
    additional material facts that remained in dispute. It argued that Koster was distinguishable and
    inapplicable to this case and that the March 2011 change of the repayment schedule constituted a
    new sale covered under the MMPA.
    The trial court granted XES’s motion for summary judgment and entered judgment in its
    favor on all of Mr. Geran’s claims. This appeal by Mr. Geran followed.
    Standard of Review
    Appellate review of the grant of summary judgment is de novo. ITT Commercial Fin.
    Corp. v. Mid-Am. Marine Supply Corp., 
    854 S.W.2d 371
    , 376 (Mo. banc 1993). Summary
    judgment will be upheld on appeal if the movant is entitled to judgment as a matter of law and no
    genuine issues of material fact exist. 
    Id. at 377.
    The record is reviewed in the light most
    favorable to the party against whom judgment was entered, according that party all reasonable
    inferences that may be drawn from the record. 
    Id. at 376.
    Facts contained in affidavits or
    7
    otherwise in support of a party’s motion are accepted as true unless contradicted by the non-
    moving party's response to the summary judgment motion. 
    Id. A defending
    party may establish a right to judgment as a matter of law by showing any
    one of the following: (1) facts that negate any one of the elements of the claimant’s cause of
    action, (2) the non-movant, after an adequate period of discovery, has not and will not be able to
    produce evidence sufficient to allow the trier of fact to find the existence of any one of the
    claimant’s elements, or (3) there is no genuine dispute as to the existence of each of the facts
    necessary to support the movant’s properly-pleaded affirmative defense. 
    Id. at 381.
    Once the movant has established a right to judgment as a matter of law, the non-movant
    must demonstrate that one or more of the material facts asserted by the movant as not in dispute
    is, in fact, genuinely disputed. 
    Id. The non-moving
    party may not rely on mere allegations and
    denials of the pleadings, but must use affidavits, depositions, answers to interrogatories, or
    admissions on file to demonstrate the existence of a genuine issue for trial. 
    Id. MMPA Claims
    In his first point on appeal, Mr. Geran contends that the trial court erred in granting
    XES’s motion for summary judgment on his MMPA claims. He asserts that the summary
    judgment in favor of XES was in contravention to the recent Missouri Supreme Court case,
    Conway v. CitiMortgage, Inc., 
    438 S.W.3d 410
    (Mo. banc 2014), which abrogated the Koster
    case relied on by XES in its motion for summary judgment. He further asserts XES was not
    entitled to judgment as a matter of law and genuine issues of material fact existed because the
    2011 change of the repayment schedule constituted a new sale bringing his claims under the
    MMPA.
    8
    The MMPA makes unlawful “[t]he act, use or employment…of any deception, fraud,
    false pretense, false promise, misrepresentation, unfair practice or the concealment, suppression,
    or omission of any material fact in connection with the sale or advertisement of any merchandise
    in trade or commerce.” § 407.020, RSMo Cum. Supp. 2013. After summary judgment was
    entered in this case and during the pendency of this appeal, the Missouri Supreme Court issued
    two opinions that considered when an act by a loan service provider, who was not a party to the
    initial loan transaction, is “in connection with” a sale so as to be actionable under the MMPA.
    See Conway, 
    438 S.W.3d 410
    , and Watson v. Wells Fargo Home Mortg., Inc., 
    438 S.W.3d 404
    (Mo. banc 2014). Generally, a change in the law by judicial decision is to be given retroactive
    effect. Sumners v. Sumners, 
    701 S.W.2d 720
    , 723 (Mo. banc 1985). “[I]f, subsequent to the
    judgment, and before the decision of the appellate court, a law intervenes and positively changes
    the rule which governs, the law must be obeyed, or its obligation denied.” 
    Id. (internal quotes
    and citation omitted). Two exceptions exist to the general rule of retroactivity. “The first
    exception is found when the change pertains to procedural as opposed to substantive law.” 
    Id. “The second
    exception turns on the issue of fundamental fairness and is often expressed as a
    question of reliance.” 
    Id. “If the
    parties have relied on the state of the decisional law as it
    existed prior to the change, courts may apply the law prospectively-only in order to avoid
    injustice and unfairness.” 
    Id. Neither exception
    applies in this case, therefore, Conway and
    Watson are given retroactive effect here.
    In Conway, homeowner plaintiffs appealed the dismissal of their MMPA claim against
    the defendants, the assignee of the mortgage loan and the loan servicer, for wrongful foreclosure
    of a deed of 
    trust. 438 S.W.3d at 412
    . The Missouri Supreme Court considered the meaning of
    the statutory phrase “in connection with” and the purpose of the MMPA and reversed. 
    Id. at 414.
    9
    It first explained that “a loan is an agreed upon bundle of services being ‘sold’ by the lender to
    the 
    borrower.” 438 S.W.3d at 412
    . “It creates a long-term relationship in which the borrower
    and the lender continue to perform various duties, such as making and collecting payments over
    an extended period of time.” 
    Id. at 415.
    Because of these continuing duties, the sale of a loan
    “continues throughout the time the parties perform their duties.” 
    Id. “A party’s
    right to collect a
    loan is part of that sale and is, therefore, ‘in connection with’ the loan.” 
    Id. Next, the
    Court explained that because the MMPA was enacted to supplement the
    common law definition of fraud, no compelling reason existed to interpret “in connection with”
    to apply only when the entity engaged in the misconduct was a party at the time the transaction
    was initiated as required by Koster. 
    Id. “[L]oan collection
    procedures, whether initiated by a
    loan originator or a loan servicer, are done ‘in connection with’ the original procurement of the
    loan.” 
    Id. at 416.
    Thus, the Court determined that homeowners sufficiently pleaded a claim
    under the MMPA because the defendants’ alleged actions were “in connection with” the original
    loan. 
    Id. at 417.
    In Watson, decided the same day, the plaintiff alleged that the defendant loan servicer
    violated the MMPA in two ways—by wrongfully foreclosing on the deed of trust and by
    engaging in bad faith negotiations of a loan 
    modification. 438 S.W.3d at 406
    .       The trial court
    granted summary judgment in favor of the loan servicer. 
    Id. With respect
    to the wrongful
    foreclosure allegations, the Missouri Supreme Court reversed following the analysis of Conway.
    
    Id. at 407.
    As to the bad faith negotiation claim, the Court affirmed the summary judgment
    finding that the loan servicer’s actions in that regard were not “in connection with” the sale of
    the original loan. 
    Id. at 408.
    It explained that the loan modification negotiations were not “a
    service the lender agreed to sell or the borrower agreed to buy when the parties agreed to the
    10
    loan.” 
    Id. “[T]he extent
    of [the bundle of services included in a loan] is fixed at the outset when
    the parties agree to the terms of the loan.” 
    Id. Because the
    deed of trust executed in the original
    transaction specifically stated that there was no obligation to engage in renegotiations, the loan
    servicer was not enforcing the terms of the loan in engaging in loan modification negotiations
    but rather contemplating creating a new agreement. 
    Id. Importantly, the
    Court noted that the
    plaintiff had not argued at the trial court, and therefore the Court did not consider, whether the
    loan modification negotiations constituted a separate sale under the MMPA and that the loan
    servicers actions were “in connection with” the negotiations. 
    Id. at 407
    n.2. It suggested that
    after remand, the plaintiff may seek leave to file an amended petition that includes such claims.
    
    Id. As in
    Watson, the renegotiation of the terms of repayment and the modification of the
    repayment schedule were not services the lender agreed to sell or the borrower agreed to buy
    when the parties agreed to the 2005 consolidated loan. While under the terms of the Promissory
    Note and the Disclosure Statement and Repayment Schedule, a borrower could request a new
    repayment plan, the lender was not obligated to grant such request.          Modification of the
    repayment schedule was not included in the bundle of services of the 2005 loan. As such, ACS
    was not enforcing the terms of that loan in modifying the repayment schedule and thus ACS’s
    actions surrounding the modification of the repayment schedule were not “in connection with”
    the consolidated loan. See Wivell v. Wells Fargo Bank, N.A., 
    773 F.3d 887
    , 899, 899 n.2 (8th Cir.
    2014)(dismissal of MMPA claims based on lender’s alleged false statements with respect to the
    availability of a loan modification upheld where lender’s conduct surrounding loan modification
    was not “in connection with” a sale because loan did not obligate the lender to negotiate or agree
    to a loan modification). Compare May v. Nationstar Mortg., LLC, 
    2014 WL 6607191
    (E.D. Mo.
    11
    2014)(loan servicer’s motion to dismiss two MMPA counts denied where plaintiff’s claims were
    not based on any conduct by defendant arising out of an unsuccessful loan modification effort
    but instead challenged the defendant’s servicing of the original loan).
    Mr. Geran argues that the March 2011 change of the repayment schedule constituted a
    new sale covered under the MMPA. Mr. Geran made this argument in his response to XES’s
    motion for summary judgment and set forth additional facts on the issue that he claimed
    remained in dispute. However, his argument in the response was cursory, and his uncontroverted
    facts on the issue were legal conclusions. Legal conclusions set forth as uncontroverted facts in
    summary judgment pleadings are not binding on the other party or the court. Village of Big Lake
    v. BNSF R. Co., 
    433 S.W.3d 460
    , 463 n. 3 (Mo. App. W.D. 2014). Furthermore, his petition did
    not allege that the change of the repayment schedule was a separate sale. The role of the
    pleadings is crucial to the adjudication of a valid summary judgment, as to any other judgment
    on the merits. Coleman v. City of Kansas City, 
    859 S.W.2d 141
    , 147 (Mo. App. W.D. 1993).
    “Pleadings define the issues and form the foundation of the process of adjudication and
    judgment.”    
    Id. In this
    case, the petition alleged misrepresentation and fraud by ACS
    surrounding the modification of the repayment schedule of the 2005 consolidated loan. The
    alleged unfair practices included ACS’s misrepresentations regarding its authority under the loan
    to modify the repayment schedule, Mr. Geran’s inability to remain on the original repayment
    schedule, and the new monthly payment, which led to Mr. Geran’s enrollment in ACS’s tiered
    repayment plan. The petition further alleged fraud and deception in ACS’s billing, assessment of
    late fees, and how payments were applied to the loan under the new repayment schedule. The
    petition did not allege that ACS’s conduct occurred in connection with a new sale. Accordingly,
    the trial court was not in a position to consider the new sale claim. Likewise, although able
    12
    appellate counsel did an excellent job arguing the claim on appeal, this theory has not been
    preserved for consideration by this court. See Hibbs v. Berger, 
    430 S.W.3d 296
    , 320-21 (Mo.
    App. E.D. 2014)(plaintiff could not base civil conspiracy claim on two new independent causes
    of action not pleaded in his petition and only mentioned in his response to defendant’s motion for
    summary judgment). See also 
    Wivell, 773 F.3d at 899
    n.2 (plaintiff’s alternative argument that
    the loan modification was a separate sale under the MMPA not addressed where complaint only
    alleged that lender’s actions occurred “in connection with the servicing of the…mortgage”);
    Groh v. JPMorgan Chase Bank, N.A., 
    2015 WL 58461
    (W.D. Mo. 2015)(dismissal of MMPA
    claim based on lenders’ failure to timely finalize loan modification agreement was upheld where
    allegations did not relate to any acts or omissions connected with original loan and amended
    petition did not allege a separate sale). The trial court did not err in entering summary judgment
    in favor of XES on Mr. Geran’s claims for violation of the MMPA. Point denied.
    Intentional Infliction of Emotional Distress Claim
    In his second and third points on appeal, Mr. Geran contends that the trial court erred in
    granting XES’s motion for summary judgment on his claim for intentional infliction of
    emotional distress. In this count, Mr. Geran alleged that ACS’s conduct in asserting its right to
    modify the repayment schedule and in refusing to adequately address his complaints was
    extreme, outrageous, intentional, and intended to cause him to suffer severe emotional distress.
    XES raised several grounds to support its motion for summary judgment on this claim, and Mr.
    Geran’s two points challenge all of those grounds. The trial court granted summary judgment on
    this claim without explanation.      Where the trial court grants summary judgment without
    specifying the basis for its order, it is presumed that the trial court based its decision on grounds
    specified in the motion for summary judgment. Central Mo. Elec. Co-op. v. Balke, 
    119 S.W.3d 13
    627, 635 (Mo. App. W.D. 2003). An appellate court will affirm the grant of summary judgment
    if it could have been based on any theory raised in the motion and supported by the summary
    judgment record. East Attucks Cmty. Housing, Inc. v. Old Republic Sur. Co., 
    114 S.W.3d 311
    ,
    324 (Mo. App. W.D. 2003).
    To recover for intentional infliction of emotional distress, a plaintiff must show (1) the
    defendant’s conduct was extreme and outrageous; (2) the defendant acted intentionally or
    recklessly; and (3) the defendant’s conduct caused extreme emotional distress resulting in bodily
    harm. 
    Balke, 119 S.W.3d at 636
    . Additionally, the plaintiff must demonstrate that the sole intent
    in acting was to cause emotional distress. 
    Id. “Where a
    desire to cause severe emotional harm is
    not the sole motivation for the conduct alleged,…suit cannot be brought for intentional infliction
    of emotional distress.” Thomas v. Special Olympics Mo., Inc., 
    31 S.W.3d 442
    , 448 (Mo. App.
    W.D. 2000).
    One of the grounds under which XES sought summary judgment was that Mr. Geran
    could not prove that ACS’s sole motivation for its conduct surrounding the change of the
    repayment plan was to cause Mr. Geran emotional distress. In support of its motion for summary
    judgment and of its reply in support of its motion for summary judgment, XES offered two
    affidavits of Jamie Broedel, a member of the company’s Financial Services Group and the
    corporate representative of XES. Mr. Broedel stated that, in sending the March 23, 2011 letter
    regarding changing Mr. Geran’s repayment plan, ACS was simply processing the transfer of Mr.
    Geran’s loan and was not intending any emotional harm to him. He also stated that ACS was
    servicing Mr. Geran’s loan pursuant to its belief that it had the ability and right on behalf of
    Wells Fargo to modify the repayment plan. Mr. Broedel further stated that ACS received a copy
    of Mr. Geran’s Promissory Note on April 9, 2011. XES also presented documents showing that
    14
    after receiving the Promissory Note, ACS learned that the Promissory Note listed specific
    repayment plans while most other lenders would only list the generic graduated payment
    definition. Consequently, ACS determined that it needed to create the repayment plans in the
    Promissory Note, and ACS and Wells Fargo entered into a change order in July 2011 to do so.
    Mr. Geran offered no evidence that disputed these facts or disproved XES’s claim that, at the
    time of the modification to the repayment plan, ACS believed it had authority to change the
    repayment plan. The uncontradicted evidence indicated that ACS had a legitimate business
    purpose for its conduct surrounding the repayment modification. Mr. Geran could not establish
    that ACS acted with the sole motivation to cause emotional distress. See 
    Balke, 119 S.W.3d at 636
    -38, and 
    Thomas, 31 S.W.3d at 447-49
    (where defendants set forth evidence that their actions
    were driven at least partially by legitimate reasons, and plaintiffs failed to contravene that
    evidence, plaintiffs failed to establish that defendants acted with the sole motivation to cause
    emotional distress, and summary judgments in favor of defendants were proper). The trial court
    did not err in entering summary judgment in favor of XES on the claim for intentional infliction
    of emotional distress. The points are denied.
    The judgment is affirmed.1
    __________________________________________
    VICTOR C. HOWARD, JUDGE
    All concur.
    1
    Mr. Geran filed a contingent motion for attorney’s fees on appeal under section 407.025.1, RSMo Cum. Supp.
    2013, and the motion was taken with the case. Mr. Geran sought attorney’s fees on appeal contingent upon his
    successfully winning the case on appeal and at trial. Under section 407.025.1, the MMPA authorizes a court to
    “award to the prevailing party attorney’s fees, based on the amount of time reasonably expended.” 
    Id. “However, the
    statutory authorization of such attorney’s fees award under the MMPA is conditioned upon the plaintiff
    prevailing in establishing actual damages under the MMPA.” Agnello v. Walker, 
    306 S.W.3d 666
    , 679 (Mo. App.
    W.D. 2010). Mr. Geran does not prevail on this appeal; the motion is denied.
    15