Vous êtes sur la page 1sur 7

SUPREMECOURT OFTHESTATE OFNEWYORK COUNTYOFSUFFOLK

Citibank,N.A.asTrustee forAmerican HomeMortgage

AssetsTrust2006-3^ ryl oJtgage_Backed pass_Th rouih "

Certificates,Series2006-3,

ptaintiff,

INDEX NO.:10-02914

-against-

DEFENDANTS, VERIFIED

ANSWERWITHAFFIRMATIVE

DEFENSES

f91man Lamison, and

#10"thelastnames beingfictitious andunknowntothe Plaintiff,theperson orparties intended beingtneperson

Orparties, ifany,havingorclaiminganinterestinor

Lienuponthemortgagedpremisesiescribed inthe complaint,

,,JOHN DOE#1,,through"JOHN DOE

Defendants.

Defendant, HermanLamison by his attorneys GilmartinandBregmanfor hisanswerto the

complaint, allegesto this Courtasfollows:

1' Deny information or knowledge sufficientto form a belief as to the allegationssetforth in paragraph "FIRST,, of the Complaint.

2' Deniesinformation or knowledge sufficient to form a beliefasto the allegationssetforth in paragraphs "SECOND", "THIRD", .,FOIJRTH" ,.FIFTH", ,,SIXTH", ,,SEVENTH", ,,EIGHTH",

"NfNITH", "TENTH"

"ELEVENTH",

"TWELFTH",

and ,.THIRTEENTH,,, ,,FOURTEENTH,,,

"FIFTEENTH", "SIXTEENTH", "SEVENTEENTH" and ,,EIGHTEENTH" of complaint exceptto

admit that Defendant executed a Mortgagewith American Home Mortgagein

$2'250'000'00'

Defendant refersthe court to the

Mortgage referredto

in

the principal sum of

paragraphs ,,THIRD,,

"and "FIFTH" of the Complaint for it's legal interpretation andstatesthat the allegationsset forth in

H

paragraphs "sECoND", .,THIRD", ,,FOURTH" .,FIFTH", ,.slxTH",

SEVENTH", .,E,IGHTH",

"N[NITH',, ,.TENTH,' ,,ELEVENTH,,, ,,TWELFTH,,, and ,,THIRTEENTH,,, ,,FOURTEENTH,,,

"FIFTEENTH"' "SIXTEENTH", "SEVENTEENTH" and,,EIGHTEENTH,,of thecomplaint attempt

to characterize andsummarize facts, circumstances, evidenceandlaw andtheDefendant respectfully

refers all questions of factandlawto theCourt.

3. Plaintiff

lackscapacity to commence the instantlawsuit.

4. Plaintiff s claimsarebarredin wholeor in partby thestatuteof frauds.

RD

SE

5' Plaintiff s claimsarebarredin whole or in party by thedoctrineof uncleanhands.

6. Plaintiff s damages, if any,werecausedin whole or in partby is own wrongfulconduct.

7. Plaintiff s claimsarebarred by

IVE

documentary evidence.

FEN

8'

Defendant' Herman Lamison is of a classintendedto be protected under recent federal

legislation' relatedto lendingpractices' typesof mortgages andforeclosures, andexpresslyreservesall rights andremedies' now or laterpromulgated, with respectto suchprotection and preservation of real

property interests.

9' That the Defendant, HermanLamison, admitsthat he obtaineda mortgagefrom American

Home Mortgage, but has no knowledge of, nor was Defendant, ever notified of an assignmentto

Citibank, N.A. as Trustee, upon information and

Herman Lamison with a proper

assignment of the

beliel, Plaintiff has never provided Defendant

moftgageand thereforeDefendantallesesthat

Plaintiff doesnot havestanding to commence this action.

i0'

EIGHTH AFFIRMATIVE

DEFEN$E

That the Plaintiff has not complied with the terms of Chapter Section 17, amending

RPAPL Section 1302 having failed to give proper notice to the Defendant.RpApL Section 1302

states:

"l'

Any

complaintservedin a proceeding initiatedpursuant to this

articlerelatingto

a high-costhomeloanor a

6-l and 6-m of the bankingI,u*,

subprimehomeloan,as suchtermsaredefinedin section

respectively, must containan affirmativeallegation

that at the time the proceeding is .o--"n".d,

holder

delegatedthe authority to

institute a mortgage foreclosure action by the owner and holder

mortgageandnote; and (b) hascompliedwith all of the provisions of Banking Law

Section 595-a organizations"],

f"High-cost homeloans")or 6-m

Section1304 ["Required priornotices"]of thisarticle".

loais"]of the BankingLaw, and

the plaintiff (a) is the owner and

of the subject

exempt

of the subjectmortgage and note, or has bein

["Regulation of mortgagebrokers, mortiage bankers and

and any rules

and regulationspromutga6a thereunder,Section6-l

["subprime home

I 1' Upon information andbelief,the loan issuedby Plaintiff is a high cost or subprimehome

loan.

WHEREFORE, Defendant, HermanLamisondemandsjudgment:

1'

Dismissing the Plaintiffs complaint herein and awarding interest,costs and

expenses,includingattorney'sfees;and

2'

equitable.

For suchotherand furtherrelief as this Court deemsjust and properand

SUPREMECOURTOFTHESTATEOF NEWYORK COUNTYOF SUFFOLK

--------x

Citibank,N.A.asTrusteeforAmericanHomeMortgage

AssetsTrust2006-3Mortgage-Backed pass_Throu!h-

Certificates,Series2006-3,

Plaintiff.

-against-

VERIFICATION

HermanLamison,and"JOHN DOE#1,

through"JOHN DOE

#10"thelastnamesbeingfictitiousandunknowntothe Plaintiff,thepersonorpartiesintendedbeingtheperson Orparties,ifany,havingorclaiminganinterestinor Lienuponthemortgagedpremises describedinthe complaint,

?:1t_t.11tlt

STATEOFNEW YORK

COLTNTYOFSUFFOLK )ss.:

)

x

Herman Lamison, being duly sworn, deposesand says that I am a

Defendant in the within

action.

thereof;

alleged uponinformationandbelief and.asto thosematt

I have read the foregoing Verified Answer with Affirmative Defensesand know the contents

that the same is true to my own knowledge, except as to those matters statedtherein to be

ievethemto betrue.

Swornto beforemethis54

*fr,l?ffi#&.,

Dated: May 5,2010 Southampton, New york 1196g

TO:

Michael J. Chatwin,

Attorney for plaintiff

Esq.

Shapiro, Dicaro & Barak,LLp 250 Mile CrossingBoulevard SuiteOne Rochester, Ny 14624 Your File No. l0-000039

Clerk of the Court Supreme Court of the Stateof New york Suffolk CountyClerk's Offrce

310CenterDrive

Riverhead, New york 11901

Gilmarfin & B-regman-- Attomey for Defendant HermanLamison 320Hampton Road Southampton, New york l l96g

AFFIDAVIT OF SERVICE BY MAIL

STATEOFNEW YORK)

) ss:

COL|NTYOF SUFFOLK)

DONNA MARSZYCKI, beingduly swom, deposesand,says:

I am not apartyto the action,am overeighteen(18)years of ageandresideat 99

JessupAvenue, Quogue, New york 11959.

on May

i

,2010,I servedthewithin ANSWER by depositinga truecopy

thereofenclosedin a post-paid wrapperin anofficial depositoryundertheexclusivecareand

custodyof theU'S' PostalServicewithin New York State,addressedto the followine at the last

known addresssetforth aftereachname:

MichaelJ.Chatwin,Esq. AttorneyforPlaintiff Shapiro,Dicaro& Barak,LLp

250MileCrossingBoulevard

SuiteOne

Rochester, New york 14624

YourFileNo. l0-000039

Clerkof theCourt Supreme Courtof theStateof New york SuffolkCountyClerk'sOffice

310CenterDrive

Riverhead,NewYork.I l90l

Sygrnto "' beforemethis

J dayof May,2010

DAVIDJ. GILMARTIN,JR. NOTARYPUBLIC,STATEOFNEWYORK

NO.02Gt6200303,SUFFOLKCOUNW

COMMISSIONEXPIRESFEB.A 2013

t.

f

J

t

l

t

iPll

:lll

iail

iSll

iU ll

'm

ll

rnll

t)il

iP ll

lhll

ii

ll

;Pll

.<

il

'il:t

:ll

'll

ltl

;ll

. i

iil

il

rr ll

iil<

i

ll

ll

ll

ilE

ilI

lB

r*.

#F

:J

E<

I.

0'

33

g,

-

s

H 3

e n

,z m

a

I

x

3

I

:

o-

=

p

I

s

7

I

2

;

f

5

X

eir

,.dY

s$

3FFd

!pF;

slxia

iXEe

€83$

-lAo

F

S

;*

clg-

c ffF

a

o

=

q

q,

E

<

o

i

o

=.

+

o

o

'

6'

=

.il

0

J

r$o)

oo

3

3

E

'I

ix

h: zE

wF

t0

q'

o

:'

m

E,Do0)

*o

q)

o

6.^^

=

o

ooJ

Of*

o_v<

(o

6J*

a\u/.

aTJ

{e

=o

a6

K<

at

J>.

o-o-

o(D

a\v

\<

6s

=€

+J

==.

a

(D

t

o

*a,E

q

'll

f,

'

n16

il*

mlm

6t9

uti

=lm

^'

lr

I

lo

l3

lm lz t{

*J>

q-

R

{

@

q

g

S

.6

q

-;!]

3 9;-

.t sB'r

F

ts

"

AE

:f,

F3

53

I

F

i,

9P

ag

+a

isrl 3*

zi

;XdQ p":

ZEZS

-:jfit

;3

rd

F 5$ H

rhd?+

s

r

E

9XEU.

* Exl:

5

+

3

iii

a

'zlT

qF

ot'

i;l=

il*

:

BB 3

=+

a

^9

FQn

<:r.!

d.Y3

-i

E5

{rb

V+lc|

T

F?

aSFiq

e3e5

-,j-- Nv=!

87Y:

$sE

ui6

-{

!r

R-.l3

|

u>

dz

Eze;

v-_A

F>

(

{

v

o

tl

tl

EII

$il

ill

JH

ffiFE

cil

HI

fiiE

-ll

HI

wl

>il

nEf; 50sr xyF

zl

7ql

"tl 4tl

>il

5B

fiP

ll

:

>tl

vll

Flll

r4l

E3

H"ll xE

*F

=<

Err

F'II ";B

;ll

gll

E g'

s

Ell

ill

$ll B

L7

*

5ll F

q'll

!l

A

5

VH

s7q aE=

ooo

J

|T{(IJ- ;

!(h

H.'EF Zg

i

A

Hr'l

*.

=

*

>rn

vd

HH

nE

rtJll

"rll

rdl I

Prl

X

FX

ilr

g

r) e

z

-l

Lrl

(/)ll

*ll

I

t-dtl

I

(t)

5

*

X

z

O(,

-(1

-1

dP:.

3

rc

[r:t ,

t<:

ffi

T'

QY

>r1

EH

\J

4

Fca

X*l >

-lFr1

,/6

m