Cardoso v. Bank of America
Cardoso v. Bank of America
Cardoso v. Bank of America
INTRODUCTION
1. Mr. and Mrs. Cardoso, a Massachusetts couple with a second home in Spring Hill,
Florida which they owned free and clear of any mortgage, and despite never having had a
mortgage with Countrywide or Bank of America on their Florida home, learned on January 5,
2010 that their home had been foreclosed on by Bank of America. Despite the homeowners and
others telling Bank of America that it was foreclosing on the wrong house, Bank of America
foreclosed anyway, intimidating the Cardoso’s tenant into leaving the house, then seizing the
house, changing all the locks and “trashing out” the house by throwing out the Cardoso’s
personal possessions that were stored in the house and garage. To remedy the damage caused by
the Defendants, Mr. and Mrs. Cardoso bring the following claims: 1) trespass; 2) conversion; 3)
of privacy; 9) violations of the Massachusetts civil rights act and 10) unfair and deceptive acts
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PARTIES
2. The Plaintiffs, Charlie and Maria Cardoso are husband and wife who reside in
Massachusetts at 255 Heritage Drive, New Bedford, MA and own a second home at 9168
of America Corporate Center, 100 North Tryon Street, Charlotte, North Carolina 28255.
4. Defendants John Does 1-5 are the yet identified employees, agents, contractors or
other persons ordered, hired or told by BOA to trespass on the Plaintiff’s property and to dispose
diversity of all parties and the amount in controversy exceeds $75,000. The Defendants, as BOA
or its employees and/or agents, have sufficient contacts with Massachusetts as it has a substantial
number of bank branches here and enters into a substantial number of loans in the
Commonwealth.
and/or employees of BOA do business in this jurisdiction or otherwise have substantial contacts
7. The Plaintiffs own their Spring Hill, Florida home free of any mortgages and
liens. The street address of their Spring Hill, Florida home is 9168 Geneva Street. Mr. Cardoso
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is currently laid off from his job in the construction industry and his wife is disabled. The
Cardosos used their Florida home on occasion and rented it at other times.
8. The Cardosos had family and friends in Spring Hill who they socialized with on a
regular basis and who watched over their house for them. The Cardosos paid a family friend,
who lived near the house, to cut the grass and care for the house.
9. At all times relevant to this case, the Cardosos had rented their home to a single
mother with children. The tenant had full use of the house. The Cardosos had stored a number
of personal possessions - such as clothes, small counter-top appliances, family photos, etc. – in
the attic of the house. Mr. Cardoso also had stored a substantial number of tools and other items
in the garage and the screened in porch, including but not limited to various power tools (air
compressor, nail gun, pneumatic stapler, cordless drill, cordless miter saw, bench router, belt
sander, table saw, etc.) , a gas grill, a lawnmower, a shop vac, a household vacuum, two
10. In late June of 2009, the Cardosos’ tenant called Mr. Cardoso in a panic indicating
that he had been untruthful when he told the tenant that she could rent the house as long as she
wanted, as three men had just shown up from BOA to foreclose, clean out the house and place
11. The tenant put Mr. Cardoso on the phone with one of the workers. Mr. Cardoso
implored the worker to stop and double check what they were doing, telling him that he had no
loan with Countrywide or BOA and that he owned the house free and clear of any mortgages.
12. Mr. Cardoso also talked to Jason Garcia, the real estate agent BOA had hired to
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list the foreclosed house for sale. The realtor indicated that he was going to alert the bank about
the fact that they were foreclosing on the wrong home. The realtor contacted BOA to advise it
that it was foreclosing on the wrong home. Mr. Cardoso believed the problem had been taken
care of, as he had asked, because he received no additional contact from BOA.
13. Unknown to the Cardosos and all of which they learned after the fact, BOA had
not stopped the foreclosure. In August, BOA had hired a landscaping service to cut the grass at
the property. The lawnmowers were too large for the gate on the Cardosos’ fence so the
landscaper broke the fence to get the mowers into the backyard.
14. The Cardosos’ tenant was intimidated by the foreclosure proceedings and started
looking for a new rental, which she secured in December. She moved out just before Christmas.
15. On January 5th, the Cardosos’ family friend met the tenant at the property to assist
her in obtaining her remaining possessions from the house. When the Cardosos’ family friend
arrived at the house, workers hired by BOA were there putting locks on all the doors. The
workers told the family friend that the house now belonged to BOA.
16. The family friend called Mr. Cardoso to tell him that his house had been seized by
BOA. Confused as to how this could all be happening, Mr. Cardoso immediately called the tax
assessor for Spring Hill to ask if his taxes were paid. The tax collector indicated that his property
taxes had been paid by Countrywide. The tax collector gave Mr. Cardoso a telephone number for
17. On the same day, January 5, 2010, Mr. Cardoso called Countrywide. He was on
the phone with them for approximately two hours. A Countrywide/BOA representative
eventually told him that BOA had made a mistake, they were going to fix the problem and that he
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18. Countrywide/BOA never called Mr. Cardoso back that day or any day thereafter.
They did not fix the problem. The locks remained on the house.
19. On January 7, 2010, after BOA failed to even call him back, Mr. Cardoso had his
son drive him to Florida so he could try to gain access to his house. Mrs. Cardoso’s son was
returning from his third tour of duty in Iraq with two weeks leave at this time. The Cardosos had
to cancel his homecoming to deal with the seizure of the Florida property. Mr. Cardoso could
not be there at the airport to greet him when he arrived home, as he had done on the two prior
occasions.
20. Upon arriving in Florida, Mr. Cardoso called the local police who advised him not
to remove the locks to the house and that he had to prove that he owned the house before he
21. The next day, January 9, 2010, Mr. Cardoso was able to convince the police to
allow him to enter his own home. He immediately went to Lowe’s to buy a bolt cutter. Upon
arriving at his house, he cut all the locks off the doors and had to break into the back screen door
to get in.
22. When inspecting the house and property after gaining access, he realized that
BOA had removed the Cardosos’ possessions from the house, garage and screened in porch when
it “trashed out” the property after seizing it, with the exception of the items stored in the attic
which were apparently were not found by BOA. He also became aware that both the electricity
and the water had been shut-off causing pipes to freeze, his pool pump to shut-down and his
automatic sprinkler system from working, as evidenced by the brown patches in the lawn. He
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also observed tire tracks on his lawn where a truck must have driven on the property. BOA has
not returned the Cardosos’ personal possessions and they are presumed destroyed.
COUNT 1
Trespass
(Vicarious Liability As to BOA)
23. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
24. The Defendant, its agents, contractors and/or employees entered the Plaintiffs’
property and house without permission or authorization at various times during its “foreclosure”
25. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property.
26. The actions of the Defendant, its agents, contractors and/or employees were done
intentionally and/or with gross disregard for the rights of the Cardosos.
27. The Plaintiffs were damaged as a direct and proximate result of the actions of the
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive and/or multiple
damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-and post-
COUNT 2
Trespass
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28. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
29. The Defendant’s yet unknown agents, contractors and/or employees entered the
Plaintiffs’ property and house without permission or authorization at various times during its
30. The Defendant and/or its agents, contractors and/or employees were on notice that
they had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize
their home and property and remove possessions in the home and garage and on the property.
31. The actions of the Defendant’s agents, contractors and/or employees were done
intentionally and/or with gross disregard for the rights of the Cardosos.
32. The Plaintiffs were damaged as a direct and proximate result of the actions of the
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive and/or multiple
damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-and post-
COUNT 3
Conversion
(Vicarious Liability As to BOA)
33. The Plaintiff re-allege the above paragraphs as if fully set forth in this Count.
34. The Defendant, its agents, contractors and/or employees entered the Plaintiffs’
property and house without permission or authorization at various times during its “foreclosure”
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35. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property.
36. The Defendant, its agents, contractors and/or employees removed and disposed of
numerous possessions of the Plaintiffs, only some of which are itemized above. The actions of
the Defendant, its agents, contractors and/or employees were done intentionally and/or with gross
37. The Plaintiffs were damaged as a direct and proximate result of the actions of the
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 4
Conversion
(As to John Does 1-5)
38. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
39. The Defendant’s yet unknown agents, contractors and/or employees entered the
Plaintiffs’ property and house without permission or authorization at various times during its
40. The Defendant and/or Defendant’s agents, contractors and/or employees were on
notice that they had no right or authority to enter onto the Plaintiffs’ property, break into their
home, seize their home and property and remove possessions in the home and garage and on the
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property.
41. The Defendant’s agents, contractors and/or employees removed and disposed of
numerous possessions of the Plaintiffs, only some of which are itemized above. The actions of
the Defendant’s agents, contractors and/or employees were done intentionally and/or with gross
42. The Plaintiffs were damaged as a direct and proximate result of the actions of the
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 5
Negligence
(Vicarious Liability As to BOA)
43. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
44. The Defendant BOA owed a duty to the Plaintiffs to act as a reasonable and
prudent lender during any foreclosure proceedings, which included the obligation to verify that it
45. The Defendant, its agents, contractors and/or employees entered the Plaintiffs’
property and house without permission or authorization at various times during its “foreclosure”
46. The Defendant, its agents, contractors and/or employees were on constructive and
actual notice through public property records and direct contact that they had no right or authority
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to enter onto the Plaintiffs’ property, break into their home, seize their home and property and
47. Moreover, once the Defendant and/or its agents, contractors and/or employees
were on notice that it had trespassed on the Plaintiffs’ property when trying to place locks on the
doors and that it was foreclosing on the wrong home, the Defendants had a duty of reasonable
48. The Defendants breached the duty it owed to the Plaintiffs by foreclosing on the
wrong home and continuing the wrongful foreclosure after notice, seizing the plaintiff’s house
49. The Plaintiffs were damaged as a direct and proximate result of the actions of the
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 6
Negligence
(As to John Does 1-5)
50. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
51. The Defendant BOA owed a duty to the Plaintiffs to act as a reasonable and
prudent agents/lenders during any foreclosure proceedings, which included the obligation to
52. The Defendant’s agents, contractors and/or employees entered the Plaintiff’s
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property and house without permission or authorization at various times during its “foreclosure”
53. The Defendant’s agents, contractors and/or employees were on constructive and
actual notice through public property records and direct contact that they had no right or authority
to enter onto the Plaintiffs’ property, break into their home, seize their home and property and
54. Moreover, once the Defendant and/or its Defendant’s agents, contractors and/or
employees were on notice that they had trespassed on the Plaintiffs’ property when trying to
place locks on the doors and that it was foreclosing on the wrong home, the Defendants had a
duty of reasonable care to investigate and correct any potential wrongful actions/foreclosure.
55. The Defendants breached the duty they owed to the Plaintiffs by foreclosing on
the wrong home and continuing the wrongful foreclosure, seizing the Plaintiffs’ house and
56. The Plaintiffs were damaged as a direct and proximate result of the actions of the
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 7
Negligent Infliction of Emotional Distress
(Vicarious Liability as to BOA)
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57. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
58. The Defendant BOA owed a duty to the Plaintiffs to act as a reasonable and
prudent lender during any foreclosure proceedings, which included the obligation to verify that it
59. The Defendant, its agents, contractors and/or employees entered the Plaintiffs’
property and house without permission or authorization at various times during its “foreclosure”
60. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property.
61. Moreover, the Defendant and/or its agents, contractors and/or employees were on
notice that it had trespassed on the Plaintiffs’ property when trying to place locks on the doors
and that it was foreclosing on the wrong home, the Defendants had a duty of reasonable care to
62. The Defendants breached the duty it owed to the Plaintiffs by foreclosing on the
wrong house and continuing the wrongful foreclosure, seizing the Plaintiffs’ house and throwing
63. The Defendants actions were taken with a gross disregard for the Plaintiffs’ rights
and were so severe and outrageous so as to shock the conscience and cause the Plaintiffs severe
64. The Plaintiffs were damaged as a direct and proximate result of the actions of the
Defendant, its agents, contractors and/or employees. In the case of Mr. Cardoso, his emotional
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distress includes, but is not limited to, extreme humiliation in front of relatives and friends,
anxiety attacks, loss of sleep, a near fainting episode and an increase in prescription medication
dosages, as ordered by his doctor to control his increased anxiety. In the case of Mrs. Cardoso,
her emotional distress has manifested in the form of extreme humiliation in front of relatives and
friends, loss of sleep, crying episodes and an increase in prescription medication dosages, as
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 8
Negligent Infliction of Emotional Distress
(As to John Does 1-5)
65. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
66. The Defendant BOA, its agents, contractors and/or employees owed a duty to the
Plaintiffs to act as a reasonable and prudent lender during any foreclosure proceedings, which
included the obligation to verify that it was foreclosing on the correct house.
67. The Defendant’s agents, contractors and/or employees entered the Plaintiffs’
property and house without permission or authorization at various times during its “foreclosure”
68. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property.
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69. Moreover, once the Defendant and/or its agents, contractors and/or employees
were on notice that it had trespassed on the Plaintiffs’ property when trying to place locks on the
doors and that it was foreclosing on the wrong home, the Defendants had a duty of reasonable
70. The Defendants breached that duty by foreclosing on the wrong home and
continuing the wrongful foreclosure, seizing the Plaintiffs’ house and throwing out the Plaintiffs’
possessions. The Defendants actions were taken with a gross disregard for the Plaintiffs’ rights
and were so severe and outrageous so as to shock the conscience and cause the Plaintiffs’ severe
71. The Plaintiffs were damaged as a direct and proximate result of the actions of the
Defendant, its agents, contractors and/or employees. In the case of Mr. Cardoso, his emotional
distress includes, but is not limited to, extreme humiliation in front of relatives and friends,
anxiety attacks, loss of sleep, a fainting episode and an increase in prescription medication
dosages, as ordered by his doctor to control his increased anxiety. In the case of Mrs. Cardoso,
her emotional distress has manifested in the form of extreme humiliation in front of relatives and
friends, loss of sleep, crying episodes and an increase in prescription medication dosages, as
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 9
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72. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
73. The Defendant, its agents, contractors and/or employees entered the Plaintiffs’
property and house without permission or authorization at various times during its “foreclosure”
74. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property.
75. The Defendant’s acts and/or omissions were done intentionally and/or with gross
76. The Plaintiffs were damaged as a direct and proximate result of the actions of the
Defendant, its agents, contractors and/or employees. In the case of Mr. Cardoso, his emotional
distress includes, but is not limited to, extreme humiliation in front of relatives and friends,
anxiety attacks, loss of sleep, a fainting episode and an increase in prescription medication
dosages, as ordered by his doctor to control his increased anxiety. In the case of Mrs. Cardoso,
her emotional distress has manifested in the form of extreme humiliation in front of relatives and
friends, loss of sleep, crying episodes and an increase in prescription medication dosages, as
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
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COUNT 10
Intentional Infliction of Emotional Distress
(As to John Does 1-5)
77. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
78. The Defendant’s its agents, contractors and/or employees entered the Plaintiffs’
property and house without permission or authorization at various times during its “foreclosure”
79. The Defendant’s agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property.
80. The Defendants’ acts and/or omissions were done intentional and/or with gross
81. The Plaintiffs were damaged as a direct and proximate result of the actions of the
Defendant, its agents, contractors and/or employees. In the case of Mr. Cardoso, his emotional
distress includes, but is not limited to, extreme humiliation in front of relatives and friends,
anxiety attacks, loss of sleep, a fainting episode and an increase in prescription medication
dosages, as ordered by his doctor to control his increased anxiety. In the case of Mrs. Cardoso,
her emotional distress has manifested in the form of extreme humiliation in front of relatives and
friends, loss of sleep, crying episodes and an increase in prescription medication dosages, as
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
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multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 11
Interference with Contractual Relations
(As to BOA)
82. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
83. Prior to BOA’s foreclosure proceedings, the Plaintiffs had a lease with their tenant
84. BOA intentionally and/or with gross disregard for the Plaintiffs’ rights proceeded
to foreclose on the Plaintiffs’ home when BOA knew or should have known it was foreclosing on
the wrong house. Both BOA’s motive and means were improper as it had no legal right to
85. BOA’s reckless and intentional acts and omissions in foreclosing on the Plaintiffs’
home, intimidated the tenant into vacating the premises, interfered with the Plaintiffs’ lease with
their tenant and resulted in an empty house which BOA could secure and “trash out.”
86. The Plaintiffs do not have a tenant and have lost past and potential future rental
income on the house as a direct and proximate result of the acts and omissions of BOA.
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 12
Defamation
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(As to BOA)
87. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
88. The Defendant BOA and/or its employees and agents made statements to third-
parties that the Plaintiffs had not paid their mortgage debt, that the Plaintiff’s house was in
foreclosure and that BOA owned the house. These statements were made to BOA’s employees,
agents, contractors and/or to third persons including the Plaintiffs’ family friend who maintained
the house for the Plaintiffs, and the Cardosos’ tenant. Said statements formed the basis on which
BOA’s employees, agents and/or contractors proceeded to foreclose on the Plaintiffs’ home,
publically seize their house, change the locks and “trash out” the Plaintiffs’ house, resulting in
89. Said statements were false, BOA knew the statements to be false and said
statements were made with reckless and/or negligent disregard for the truth.
90. The false and defamatory statements made by BOA, its employees and/or agents
caused damage to the Plaintiffs’ reputation, good name and honor in their community and before
their family, friends and tenant, some of whom reside in Florida near their property. Moreover,
said false and defamatory statements have caused the Plaintiffs emotional distress which has
resulted in physical symptoms and an increase in their anxiety prescription medication dosages.
In addition, the false and defamatory statements resulted in the intimidation and departure of the
Plaintiffs’ tenant who was a good tenant who paid the rent. Accordingly, the Plaintiffs have lost
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
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multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 13
Libel
(As to BOA)
91. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
92. The Defendant BOA and/or its employees and agents made written statements to
third-parties that the Plaintiffs had not paid their mortgage debt and that the Plaintiffs’ house was
in foreclosure. These included, but were not limited to, written communications with its
employees, real estate agent and contractors that the Plaintiffs had not paid their mortgage and
the house was in foreclosure. Said written statements formed the basis on which BOA’s
employees, agents and/or contractors proceeded to foreclose on the Plaintiff’s home, publically
seize their house, change the locks and “trash out” the Plaintiff’s house, resulting in the disposal
93. Moreover, as part of BOA’s foreclosure process and procedures, it posts a “no
entry” sign at the premises prohibiting “unauthorized persons” from entering. The sign is posted
“[t]o protect the interest of the lender and in accordance with the terms of the security
instrument.” Based on BOA’s practices and procedures, it is believed that such a sign was
94. Said written statements were false, BOA knew the statements to be false and said
statements were made with reckless and/or negligent disregard for the truth.
95. The false and defamatory written statements made by BOA, its employees and/or
agents caused damage to the Plaintiffs’ reputation, good name and honor in their community and
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before their family and friends, some of whom reside in Florida near their property. Moreover,
said false and defamatory statements have caused the Plaintiffs emotional distress which has
resulted in physical symptoms and an increase in their prescription dosages. In addition, the false
and defamatory statements resulted in the intimidation and departure of the Plaintiffs’ tenant who
was a good tenant who paid the rent. Accordingly, the Plaintiffs have lost past and potential
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive damages and/or
multiple damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-
COUNT 14
Invasion of Privacy
(Vicarious Liability As to BOA)
96. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
97. The Plaintiffs owned the property and home located at 9168 Geneva Street, Spring
Hill, Florida. Despite having a tenant in the property for part of the Defendants’ wrongful
foreclosure process, the Plaintiffs also stored their personal possessions in the house, the garage
and on the property. The Plaintiffs also were responsible for maintaining the property for the
tenant and maintained at the property items, tools, and equipment which belonged to the
Plaintiffs. Due to the Defendants’ wrongful foreclosure, its false statements and its entry onto
the property, the Plaintiffs’ tenant moved out of the house just prior to Christmas, thereby ending
her tenancy.
98. The Plaintiffs, as the owners of 9168 Geneva Street, had a right to privacy in their
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property and house. The Plaintiffs had the right to be free from unlawful intrusion onto their
property and into their home and also from the unauthorized viewing, taking, seizure and
destruction of their personal property within their home and on their property.
99. The Defendant, its agents, contractors and/or employees entered the Plaintiffs’
property and house without permission or authorization at various times during its “foreclosure”
process and proceedings and viewed, took and destroyed their personal property and possessions.
100. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove/dispose of their personal property and possessions in the home
and garage and on the property. The acts of the Defendant, its agents, contractors and/or
employees were an unreasonable, substantial and/or serious interference with the Plaintiffs’
privacy.
101. The actions of the Defendant, its agents, contractors and/or employees were done
intentionally and/or with gross disregard for the rights of the Cardosos and constituted an
102. In addition, the Defendant, its agents, contractors and/or employees held the
Plaintiffs out to the public in a false light by representing through their words and actions that the
Plaintiffs had a mortgage with BOA, that the Plaintiffs had not paid their mortgage and that their
home was subject to foreclosure by BOA. All of these direct or implied representations about the
Plaintiffs were false and constituted an invasion of their privacy. These acts were an
103. The Plaintiffs were damaged as a direct and proximate result of the acts and
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WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive and/or multiple
damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-and post-
COUNT 15
Invasion of Privacy
(As to John Does 1-5)
104. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
105. The Plaintiffs owned the property and home located at 9168 Geneva Street, Spring
Hill, Florida. Despite having a tenant in the property for part of the Defendants’ wrongful
foreclosure process, the Plaintiffs also stored their personal possessions in the house, the garage
and on the property. The Plaintiffs also were responsible for maintaining the property for the
tenant and maintained at the property items, tools, and equipment which belonged to the
Plaintiffs. Due to the Defendants wrongful foreclosure, the defendant’s false statements and the
defendants entry onto the property, the Plaintiff’s tenant moved out of the house just prior to
106. The Plaintiffs, as the owners of 9168 Geneva Street, had a right to privacy in their
property and house. The Plaintiffs had the right to be free from unlawful intrusion onto their
property and into their home and also from the unauthorized viewing, taking, seizure and
destruction of their personal property within their home and on their property.
107. The Defendant’s yet unknown agents, contractors and/or employees entered the
Plaintiffs’ property and house without permission or authorization at various times during its
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“foreclosure” process and proceedings and viewed, took and destroyed their personal property
and possessions.
108. The Defendant and/or its agents, contractors and/or employees were on notice that
they had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize
their home and property and remove/dispose of their personal property and possessions in the
home and garage and on the property. The acts of the Defendant, its agents, contractors and/or
employees were an unreasonable, substantial and/or serious interference with the Plaintiffs’
privacy.
109. The actions of the Defendant’s agents, contractors and/or employees were done
intentionally and/or with gross disregard for the rights of the Cardosos and constituted an
110. In addition, the Defendant, its agents, contractors and/or employees held the
Plaintiffs out to the public in a false light by representing through their words and actions that the
Plaintiffs had a mortgage with BOA, that the Plaintiffs had not paid their mortgage and that their
home was subject to foreclosure by BOA. All of these direct or implied representations about the
Plaintiffs were false and constituted an invasion of their privacy. These acts were an
111. The Plaintiffs were damaged as a direct and proximate result of the actions of the
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive and/or multiple
damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-and post-
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COUNT 16
Violations of the Massachusetts Civil Rights Act
(Vicarious Liability As to BOA)
112. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
113. The Plaintiffs owned the property and home located at 9168 Geneva Street, Spring
Hill, Florida. Despite having a tenant in the property for part of the Defendants’ wrongful
foreclosure process, the Plaintiffs also stored their personal possessions in the house, the garage
and on the property. The Plaintiffs also were responsible for maintaining the property for the
tenant and maintained at the property items, tools, and equipment which belonged to the
Plaintiffs. Due to the Defendant’s wrongful foreclosure, the Defendant’s false statements and the
Defendant’s entry onto the property, the Plaintiff’s tenant moved out of the house just prior to
114. The Plaintiffs had a right of privacy in their home and property, a right to possess
the property free from intrusions by others and a right to lease the property to a tenant if they so
chose.
115. The Defendant, its agents, contractors and/or employees broke and entered into
the Plaintiffs’ home, trespassed on their property and disposed of the Plaintiffs’ possessions that
were on the property and in the home and garage. In addition, as part of the invasion of the
Plaintiffs’ home by the Defendant, its agents, contractors and/or employees, said Defendant, its
agents, contractors and/or employees took total possession of the home by changing the locks.
These acts were taken to dispossess the Plaintiffs of the ownership interest and other rights they
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116. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property. The
actions of the Defendant, its agents, contractors and/or employees were done with gross disregard
for the Plaintiffs’ rights and constituted threats, intimidation and/or coercion in violation of the
117. The Plaintiffs were damaged as a direct and proximate result of the acts and
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive and/or multiple
damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-and post-
COUNT 17
Violations of the Massachusetts Civil Rights Act
(As to John Does 1-5)
118. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
119. The Plaintiffs owned the property and home located at 9168 Geneva Street, Spring
Hill, Florida. Despite having a tenant in the property for part of the Defendants’ wrongful
foreclosure process, the Plaintiffs also stored their personal possessions in the house, the garage
and on the property. The Plaintiffs also were responsible for maintaining the property for the
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Case 1:10-cv-10075-RGS Document 5 Filed 02/10/2010 Page 26 of 32
tenant and maintained at the property items, tools, and equipment which belonged to the
Plaintiffs. Due to the Defendants’ wrongful foreclosure, the Defendants’ false statements and the
Defendants’ entry onto the property, the Plaintiff’s tenant moved out of the house just prior to
120. The Plaintiffs had a right of privacy in their home and property, a right to possess
the property free from intrusions by others and a right to lease the property to a tenant if they so
chose.
121. The Defendants broke and entered into the Plaintiffs’ home, trespassed on their
property and disposed of the Plaintiffs’ possessions that were on the property and in the home
and garage. In addition, as part of the invasion of the Plaintiffs’ home by the Defendants, said
Defendants took total possession of the home by changing the locks. These acts were taken to
dispossess the Plaintiffs of the ownership interest and other rights they had in their home and
property.
122. The Defendants were on notice that they had no right or authority to enter onto the
Plaintiffs’ property, break into their home, seize their home and property and remove possessions
123. The actions of the Defendants were done with gross disregard for the Plaintiffs’
rights and constituted threats, intimidation and/or coercion in violation of the Plaintiffs’ civil
rights.
124. The Plaintiffs were damaged as a direct and proximate result of the acts and
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
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Case 1:10-cv-10075-RGS Document 5 Filed 02/10/2010 Page 27 of 32
request that they be awarded damages in an amount to be proven at trial, punitive and/or multiple
damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-and post-
COUNT 18
Violations of Florida Consumer Protection Statute
(Vicarious Liability as to BOA)
125. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
126. The Plaintiffs owned the property and home located at 9168 Geneva Street, Spring
Hill, Florida. Despite having a tenant in the property for part of the Defendants’ wrongful
foreclosure process, the Plaintiffs were responsible for the maintenance of the property and house
and stored possessions in the house, the garage and on the property. Due to the Defendants’
wrongful foreclosure, the Plaintiffs’ tenant moved out of the house just prior to Christmas,
127. The Plaintiffs had a right of privacy in their home and property, a right to possess
the property free from intrusions by others and a right to lease the property to a tenant if they so
chose.
128. The Defendants, its agents, contractors and/or employees were all engaged in
trade and/or commerce as that term is used in the consumer protection statute as they were all
involved in the business of foreclosing on residential properties to either obtain BOA’s alleged
129. The Defendant, its agents, contractors and/or employees broke and entered into
the Plaintiffs’ home, trespassed on their property and disposed of the Plaintiffs’ possessions that
were on the property and in the home and garage. In addition, as part of the invasion of the
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Case 1:10-cv-10075-RGS Document 5 Filed 02/10/2010 Page 28 of 32
Plaintiffs’ home by the Defendant, its agents, contractors and/or employees, said Defendant, its
agents, contractors and/or employees took total possession of the home by changing the locks.
These acts were taken to dispossess the Plaintiffs of the ownership interest and other rights they
130. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property. It is an
unfair and deceptive act and practice for BOA to publicly foreclose on a home, seize the home
and “trash out” the homeowner’s possessions when it has no legal right to do so, especially when
132. BOA lacks an adequate policy or practice to verify that it is foreclosing on a home
to which it has a legally valid security interest, to timely stop wrongful foreclosures from
happening after receiving notice and to timely address homeowners’ concerns after being locked
133. The Defendant, its agents, contractors and/or employees have wrongfully
foreclosed and/or taken personal property from the homes of other homeowners, without
authorization or legal privilege, in Texas, Massachusetts (two other known occasions), Nevada
and Kentucky.
134. It is an unfair and deceptive act and/or practice for the Defendant BOA not to
have an adequate system in place to verify the legality of its security interest prior to instituting
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Case 1:10-cv-10075-RGS Document 5 Filed 02/10/2010 Page 29 of 32
foreclosure proceedings, to stop wrongful foreclosures from proceeding and to timely address
homeowners’ concerns after being locked out in a wrongful foreclosure, especially when it is on
135. The actions of the Defendant, its agents, contractors and/or employees were done
with gross disregard for the Plaintiffs’ rights and constituted unfair and deceptive acts and
136. The Plaintiffs were damaged as a direct and proximate result of the acts and
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive and/or multiple
damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-and post-
COUNT 19
Violations of Florida Consumer Protection Statute
(As to John Does 1-5)
137. The Plaintiffs re-allege the above paragraphs as if fully set forth in this Count.
138. The Plaintiffs owned the property and home located at 9168 Geneva Street, Spring
Hill, Florida. Despite having a tenant in the property for part of the Defendants’ wrongful
foreclosure process, the Plaintiffs were responsible for the maintenance of the property and house
and stored possessions in the house, the garage and on the property. Due to the Defendants’
wrongful foreclosure, the Plaintiffs’ tenant moved out of the house just prior to Christmas,
139. The Plaintiffs had a right of privacy in their home and property, a right to possess
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Case 1:10-cv-10075-RGS Document 5 Filed 02/10/2010 Page 30 of 32
the property free from intrusions by others and a right to lease the property to a tenant if they so
chose.
140. The Defendants, its agents, contractors and/or employees were all engaged in
trade and/or commerce as that term is used in the consumer protection statute as they were all
involved in the business of foreclosing on residential properties to either obtain BOA’s alleged
141. The Defendant, its agents, contractors and/or employees broke and entered into
the Plaintiffs’ home, trespassed on their property and disposed of the Plaintiffs’ possessions that
were on the property and in the home and garage. In addition, as part of the invasion of the
Plaintiffs’ home by the Defendant, its agents, contractors and/or employees, said Defendant, its
agents, contractors and/or employees took total possession of the home by changing the locks.
These acts were taken to dispossess the Plaintiffs of the ownership interest and other rights they
142. The Defendant, its agents, contractors and/or employees were on notice that they
had no right or authority to enter onto the Plaintiffs’ property, break into their home, seize their
home and property and remove possessions in the home and garage and on the property. It is an
unfair and deceptive act and practice for BOA to publicly foreclose on a home, seize the home
and “trash out” the homeowner’s possessions when it has no legal right to do so, especially when
144. BOA lacks an adequate policy or practice to verify that it is foreclosing on a home
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Case 1:10-cv-10075-RGS Document 5 Filed 02/10/2010 Page 31 of 32
to which it has a legally valid security interest, to timely stop wrongful foreclosures from
happening after receiving notice and to timely address homeowners’ concerns after being locked
145. The Defendant, its agents, contractors and/or employees have wrongfully
foreclosed and/or taken personal property from the homes of other homeowners, without
authorization or legal privilege, in Texas, Massachusetts (two other known occasions), Nevada
and Kentucky.
146. It is an unfair and deceptive act and/or practice for the Defendant BOA not to
have an adequate system in place to verify the legality of its security interest prior to instituting
foreclosure proceedings, to stop wrongful foreclosures from proceeding and to timely address
homeowners’ concerns after being locked out in a wrongful foreclosure, especially when it is on
147. The actions of the Defendant, its agents, contractors and/or employees were done
with gross disregard for the Plaintiffs’ rights and constituted unfair and deceptive acts and
148. The Plaintiffs were damaged as a direct and proximate result of the acts and
WHEREFORE, the Plaintiffs request judgment in their favor on this Count and further
request that they be awarded damages in an amount to be proven at trial, punitive and/or multiple
damages to the extent allowed by the applicable law, attorney’s fees and costs and pre-and post-
31
Case 1:10-cv-10075-RGS Document 5 Filed 02/10/2010 Page 32 of 32
Respectfully submitted
On behalf of the Plaintiffs,
/ s / Joseph F. deMello
_________________________________
Joseph F. deMello
BBO# 546017
LAW OFFICE of JOSEPH F. deMELLO, P.C.
71 Main Street
Taunton, MA 02747
508-824-9112
508-824-5917 (fax)
[email protected]
/ s / Carlin J. Phillips
__________________________
Carlin J. Phillips
BBO# 561916
PHILLIPS & GARCIA, P.C.
13 Ventura Drive
N. Dartmouth, MA 02747
(508) 998-0800
(508) 998-0919 (fax)
[email protected]
32