[Cite as JP Morgan Chase Bank v. Wiram, 2013-Ohio-2232.]




              IN THE COURT OF APPEALS FOR CLARK COUNTY, OHIO

JP MORGAN CHASE BANK, N.A.                          :

       Plaintiff-Appellee                           :            C.A. CASE NO.   2013 CA 3

v.                                                  :            T.C. NO.   12CV803

CHARLES H. WIRAM, et al.                            :            (Civil appeal from
                                                                  Common Pleas Court)
       Defendants-Appellants                        :

                                                    :

                                          ..........

                                         OPINION

                       Rendered on the       31st       day of      May      , 2013.

                                          ..........

STEPHEN D. WILLIGER, Atty. Reg. No. 0014342, 127 Public Square, 3900 Key Tower,
Cleveland, Ohio 44114
       Attorney for Plaintiff-Appellee

MICHAEL DILLARD, JR., Atty. Reg. No. 0083907, 41 S. High Street, Suite 1700,
Columbus, Ohio 43215
      Attorney for Plaintiff-Appellee

THOMAS B. SQUIRES, Atty. Reg. No. 0043986, 5511 Manchester Rd., Suite 3, Akron,
Ohio 44319
      Attorney for Defendants-Appellants

                                          ..........
DONOVAN, J.

       {¶ 1}    This matter is before the Court on the Notice of Appeal of Charles H. and

Carol A. Wiram, filed January 10, 2013.         The Wirams appeal from the trial court’s

December 12, 2012 Judgment Entry and Decree in Foreclosure, which granted summary

judgment in favor of JPMorgan Chase Bank, National Association (“JPMCB”).                 The

foreclosed property is located at 6225 Pleasant Chapel Road in Mechanicsburg. We hereby

affirm the judgment of the trial court.

       {¶ 2}    JPMCB filed a Complaint for Foreclosure against the Wirams on July 31,

2012, attached to which is a promissory note, dated January 23, 2008, in the amount of

$203,152.00, that identifies the Wirams as Borrowers and Select Mortgage Group Ltd.

(“Select”) as Lender; the Wirams’ mortgage, paragraph 9 of which provides that the Lender

may accelerate the debt in the event of Borrower’s default, and paragraph 18 of which

provides, “If Lender requires immediate payment in full under paragraph 9, Lender may

foreclose this security instrument by judicial proceeding”; an assignment of the mortgage,

dated May 21, 2012, from Select to JPMCB; a Loan Modification Agreement, with an

effective date of April 1, 2011, which provides that the “new principal balance” of the Note

is $213,285.56, and that the unmodified terms of the loan documents remain in full force and

effect; and a preliminary judicial report. According to the complaint, the Wirams are in

default on the note, a principal sum of $210,920.15, plus interest, late charges and costs are

due, and JPMCB is entitled to foreclose the mortgage. A final judicial report was filed on

August 29, 2012.

       {¶ 3}    On September 4, 2012, the Wirams filed an Answer and Request of

Foreclosure Mediation that provides that they “generally” deny “any and all allegations
                                                                                             3

contained in the Complaint,” and that they request referral of the matter to mediation.

       {¶ 4}    On November 19, 2012, JPMCB filed its motion for summary judgment,

along with the Note, Mortgage, Loan Modification Agreement, and the affidavit of Lanier

M. Jeffrey, Vice President, on behalf of JPMCB, which authenticates the loan documents

and attests to the amount due.

       {¶ 5}     In sustaining JPMCB’s motion, the trial court found that “there is due to

Plaintiff on the Note principal in the amount of $210,920.15 plus interest on the principal amount

at the rate of 5% per annum from December 1, 2011,” along with “all late charges imposed under

the Note, all advances made for the payment of real estate taxes and assessments and insurance

premiums, and all costs and expenses incurred for the enforcement of the Note and Mortgage.”

Finally, the court ordered that “an order of sale shall issue to the Sheriff of Clark County,

directing him to appraise, advertise and sell the Property.”

       {¶ 6}     On December 17, 2012, five days after the trial court’s judgment, the Wirams

filed a memorandum in opposition to the motion for summary judgment. The memorandum in

opposition provides as follows:

               1. Plaintiff has failed to follow Federal guidelines in that the annual

       percentage rate was calculated incorrectly at 7.75% vs. the corrected APR of

       7.263, which is greater than the Federal allowable variance of .125%. The TIL

       failed to disclose the correct payment and the TIL disclosures were not timely

       submitted as required by Federal Law.

               2. Plaintiff violated the RESPA statute in that they did not provide all of

       the proper disclosures to the Defendants.
[Cite as JP Morgan Chase Bank v. Wiram, 2013-Ohio-2232.]
               3. Plaintiff violated the Equal Credit Opportunity Act by not providing

       certain written notices regarding the loan prior to the date of closing.

               4. Plaintiff violated the Fair Credit Reporting Act by not having written

       authorization from the defendants to examine their credit.

               5. Plaintiff violated the Federal Trade Commission Act as the Uniform

       Mortgage Application contains omissions which may be considered to be

       misleading, unfair, and deceptive.

       {¶ 7}     Also on December 17, 2012, the Wirams filed a “Request for Reconsideration of

Summary Judgment.” On December 21, 2012, JPMCB filed a reply in opposition to the request

for reconsideration. We note that “a motion for reconsideration after a final order in the trial

court is a nullity. Pitts v. Ohio Dept. of Trans. (1981), 67 Ohio St.2d 378, 423 N.E.2d 1105.”

Payne v. Wilberforce Univ., 2d Dist. Greene No. 2003-CA-64, 2004-Ohio-4055.

       {¶ 8}    The Wirams assert one assignment of error herein as follows:

               “THE      TRIAL     COURT       ERRED       IN   GRANTING          SUMMARY

       JUDGMENT IN FAVOR OF THE APPELLEE AND VIOLATED CLARK

       COUNTY LOCAL RULE OF PRACTICE AND PROCEDURE R. 2.33 AND

       THE OHIO SUPREME COURT MANDATE ESTABLISHING COMMON

       PLEAS COURT FORECLOSURE MEDIATION BY NOT RULING ON THE

       APPELLANTS[’] TIMELY REQUEST FOR THEIR CASE TO BE PLACED

       INTO THE CLARK COUNTY, OHIO FORECLOSURE MEDIATION

       PROGRAM.”

       {¶ 9}    According to the Wirams, upon receipt of the motion for summary judgment,

defense counsel “immediately phoned the Clark County Common Pleas Court Magistrate that
                                                                                                5

was listed with the Ohio Supreme Court as the Court Foreclosure Mediation Magistrate and was

informed that due to recent Local Rule changes a special Mortgage Mediation Form was required

to be filed with the Court and that this form was supposed to be submitted to the Wirams” by

JPMCB. The Wirams assert that defense counsel was “also informed that the Wirams case file

would be flagged and the proceedings stayed. A separate request for Foreclosure Mediation

form was prepared which the Wirams signed and submitted to the Clark County Clerk of Court.”

 The Wirams direct our attention to Rule 2.33 of the Clark County Common Pleas Court,

General Division, Local Rules of Practice and Procedure, which allows for the referral of

foreclosure matters to mediation, and they assert that the trial court adopted “this specific

procedure and requirement on October 30, 2012.” The Wirams assert that “they made a timely

request for foreclosure mediation in their Answer and it was never ruled upon or considered by

the trial court.”

        {¶ 10} JPMCB responds that the Wirams’ demand for mediation does not constitute an

issue of fact in dispute to prevent the entry of summary judgment, and that the Wirams “provided

no evidence that demonstrated a genuine issue of material fact in dispute.” JPMCB asserts that

the Wirams’ assertion that they are entitled to mediation is waived, “and cannot serve as the basis

for overturning the trial court’s decision,” since they failed to assert it in timely opposition to the

motion for summary judgment. JPMCB asserts that the trial court’s failure to rule upon the

request for mediation is deemed to be a denial. JPMCB asserts that the trial court was not

required to refer the matter to mediation. JPMCB further asserts that the Wirams’ “alleged

reliance on a purported phone call with an unidentified someone who was unassociated with the

case is not reasonable and does not relieve them of the constructive knowledge the trial court
                                                                                              6

docket provided: dispositive motion practice was proceeding.”

       {¶ 11} As this Court has previously noted:

              Summary judgment is appropriate when: (1) there is no genuine issue as to

       any material fact; (2) the moving party is entitled to judgment as a matter of law;

       and (3) reasonable minds can come to but one conclusion, and that conclusion is

       adverse to the party against whom the motion for summary judgment is made,

       who is entitled to have the evidence construed most strongly in his favor. Harless

       v. Willis Day Warehousing Co., Inc., (1978), 54 Ohio St.2d 64, 66, 375 N.E.2d 46;

       citing Civ. R. 56(C).

              Upon a motion for summary judgment, the initial burden is on the moving

       party to show that there is [no] genuine issue of material fact. Dresher v. Burt

       (1996), 75 Ohio St.3d 280, 292-93, 662 N.E.2d 264. Once a moving party satisfies

       its burden, “the nonmoving party may not rest upon the mere allegations or denials

       of the party's pleadings.” Murphy v. McDonald's Restaurants of Ohio, Inc., Clark

       App. No.2010-CA-4, 2010-Ohio-4761, at ¶ 13, citing Dresher, 75 Ohio St.3d at

       292-93, 662 N.E.2d 264. “Rather, the burden then shifts to the non-moving party

       to respond, with affidavits or as otherwise permitted by Civ. R. 56, setting forth

       specific facts which show that there is a genuine issue of material fact for trial.”

       Id. “Throughout, the evidence must be construed in favor of the non-moving

       party.” Id. Steve Zell Farm Equip., Inc. v. Wagner, 2d Dist. Miami No. 2010 CA

       1, 2010-Ohio-5902, ¶ 9-10.

       {¶ 12} As this Court has further noted:
[Cite as JP Morgan Chase Bank v. Wiram, 2013-Ohio-2232.]
                 Appellate courts review a trial court's entry of summary judgment de novo.

       Brown v. Scioto Cty. Bd. of Commrs., 87 Ohio App.3d 704, 711, 622 N.E.2d 1153

       (4th Dist.1993). “De novo review means that this court uses the same standard

       that the trial court should have used, and we examine the evidence to determine

       whether as a matter of law no genuine issues exist for trial.” Brewer v. Cleveland

       Bd. of Edn., 122 Ohio App.3d 378, 383, 701 N.E.2d 1023 (8th Dist.1997), citing

       Dupler v. Mansfield Journal Co., 64 Ohio St.2d 116, 119-120, 413 N.E.2d 1187

       (1980).      PNC Bank, N.A. v. Craig, 2d Dist. Montgomery No. 25010,

       2012-Ohio-5410, ¶ 5.

       {¶ 13}     Regarding the Wirams’ assertion that the trial court failed to consider their

request for mediation, we agree with JPMCB that “[w]hen a trial court has not ruled on a motion

prior to the conclusion of the case, the motion is deemed overruled. Thornton v. Conrad, 194

Ohio App.3d 34, 2011-Ohio- 3590, 954 N.E.2d 666 (8th Dist.).” Fin. Freedom Aquisition,

L.L.C. v. Heirs of Thomas, 2d Dist. Montgomery No. 25047, 2012-Ohio-3845, ¶ 10.

       {¶ 14}     We further agree that the trial court was not required to refer the matter to

mediation by local rule 2.33. As the Wirams assert, Rule 2.33 of the Clark County Common

Pleas Court was adopted on October 30, 2012, after JPMCB filed its complaint, and it provides in

relevant part as follows:

                 ***

                 II. REFERRAL TO MEDIATION

                 A. Eligibility. All foreclosure cases filed in the court of Common Pleas,

       General Division are eligible for referral to the Foreclosure Mediation Program.

       The assigned Judge or Magistrate may refer a case to mediation any time prior to
                                                                                               8

       trial on the court’s own motion, on a party’s request, or by agreement of the

       parties. * * *

               B. A “Request for Mediation” form will be served with the complaint in

       all new foreclosure actions. On this form the party may indicate whether or not

       they are interested in mediation and return the form to the Clark County Clerk of

       Courts. The clerk shall then forward the request to the assigned judge for review.

       * * *. (emphasis added).

As JPMCB asserts, by the plain language of the rule, mediation referral is discretionary and not

mandatory, and it applies prospectively to “new” complaints in foreclosure and not those already

pending prior to the effective date of the rule.      Further, as this Court has previously noted,

“[m]ediation is not a required step in the trial process. R.C. 2323.06 states that ‘[i]n an action for

the foreclosure of a mortgage, the court may at any stage in the action require the mortgagor and

the mortgagee to participate in mediation as the court considers appropriate * * * .’” Bank of

Am. v. Litteral, 191 Ohio App.3d 303, 2010-Ohio-5884, 945 N.E.2d 1114, ¶ 20 (2d

Dist.)(emphasis added).

       {¶ 15} Finally, we agree with JPMCB that it established the absence of a genuine issue

of material fact for trial with competent Civ.R. 56 evidence, and that the Wirams failed to

respond with any evidence permitted by Civ.R. 56 setting forth specific facts demonstrating a

genuine factual issue for trial. As JPMCB asserts, the Wirams’ request for mediation does not

present a factual issue. Accordingly, the Wirams’ sole assigned error is overruled, and the

judgment of the trial court is affirmed.
[Cite as JP Morgan Chase Bank v. Wiram, 2013-Ohio-2232.]
                                             ..........

HALL, J. and WELBAUM, J., concur.

Copies mailed to:

Stephen D. Williger
Michael Dillard, Jr.
Thomas B. Squires
Hon. Richard J. O’Neill
