DocketNumber: No. 0121453
Citation Numbers: 1995 Conn. Super. Ct. 2893
Judges: McDONALD, J.
Filed Date: 3/23/1995
Status: Non-Precedential
Modified Date: 4/17/2021
The defendant Charles Gabriel (Gabriel) filed an answer with two special defenses. The plaintiff has filed a motion to strike the special defenses on the ground that the defenses do not constitute legally cognizable defenses to a foreclosure action.
A motion to strike properly challenges the legal sufficiency of a special defense. Practice Book § 152(5); seeRobarge v. Patriot General Insurance Co.,
"However, because foreclosure is equitable, courts have recognized that flexibility is required in certain situations." . . . Equity has permitted allegations of mistake, accident, fraud, equitable estoppel, CUTPA and breach of an implied covenant of good faith and fair dealing to become valid defenses. See Bedford Plaza Ltd. Partnership v. Nakhai,
5 Conn. Super. Ct. 468 (June 8, 1990, Flynn, J.); Essex Savings Bank v. Firmberger, Superior Court, Judicial District of New London, Docket No. 51 21 91 (May 1, 1991, Leuba, J.).
(Citations omitted.) Citicorp Mortgage, Inc. v. Kerzner,
In Gabriel's first special defense, he alleges that he inquired whether the plaintiff would initiate foreclosure if he stopped making the mortgage payments in order to work out a deed in lieu of foreclosure with the second mortgagee. The defendant alleges that the plaintiff represented it would not initiate foreclosure because there was enough equity in the property to protect its interest. The defendant alleges he stopped paying the payments on the plaintiff's mortgage in reliance on those representations, and that the plaintiff should therefore be equitably estopped from foreclosing the mortgage.
Successful assertion of the doctrine of equitable estoppel requires proof of two elements: (1) a statement or action by the party against whom estoppel is claimed designed to induce reliance on that statement or action; and (2) a changed position by the second party in reliance on the act or statement of the first that results in loss or injury to the second party. . . . For estoppel to exist, there must be misleading conduct resulting in prejudice to the other party.
(Citations omitted; internal quotation marks omitted.)Rosenfield v. Metals Selling Corp.,
In the second special defense, the defendant alleges that the terms of the mortgage entitled the defendant to notice of default, notice of how to cure, and thirty days to cure the default. The defendant alleges that the plaintiff failed to give notice of how to cure and failed to provide the defendant with thirty days to cure the default. Therefore, the defendant alleges that the plaintiff materially breached the terms of the note and is not entitled to foreclose.
The plaintiff argues that this special defense is legally insufficient because the mortgage rider, which is attached to the complaint as Exhibit B, expressly states that notice of default is not required, notwithstanding any provision in the terms of the note or mortgage to the contrary. The plaintiff also asserts that, contrary to the allegations of the defendant's second special defense, the plaintiff did provide to the defendant the proper notice and instructions to cure. The plaintiff attached to his motion to strike a copy of the notice the plaintiff allegedly sent to the defendant.
The plaintiff has not raised the issue of the legal sufficiency of the second special defense, but rather raises the issue of the construction of the mortgage document, which will necessarily entail a factual determination. "The interpretation of a contract is generally a question of fact. Gurliacci v.Mayer,
McDONALD, J.