              IN THE COURT OF APPEALS OF NORTH CAROLINA

                                  No. COA18-1073

                                 Filed: 4 June 2019

Craven County, No. 17-CVS-914

JOHN E. WYGAND and NORMA S. WYGAND, Plaintiffs,

             v.

DEUTSCHE BANK TRUST COMPANY AMERICAS AS INDENTURE TRUSTEE
FOR THE REGISTERED HOLDERS OF SAXON ASSET SECURITIES TRUST
2004-1 MORTGAGE LOAN ASSET BACKED NOTES AND CERTIFICATES,
SERIES 2004-1, OCWEN LOAN SERVICING, LLC, and TRUSTEE SERVICES OF
CAROLINA, LLC, Defendants.


      Appeal by defendants from order entered 30 May 2018 by Judge Benjamin A.

Alford in Craven County Superior Court. Heard in the Court of Appeals 9 April 2019.


      Stubbs & Perdue, PA, by Trawick H. Stubbs, Jr., Matthew W. Buckmiller, and
      Joseph Z. Frost, for plaintiffs-appellees.

      Bradley Arant Boult Cummings LLP, by Brian M. Rowlson, for defendants-
      appellants.


      BERGER, Judge.


      Deutsche Bank Trust Company Americas as Indenture Trustee for the

Registered Holders of Saxon Asset Securities Trust 2004-1 Mortgage Loan Asset

Backed Notes and Certificates, Series 2004-1, Ocwen Loan Servicing, LLC, and

Trustee Services of Carolina, LLC (“Defendants”) appeal the trial court’s order, which

denied their motion to compel John E. Wygand and Norma S. Wygand (“Plaintiffs”)

to submit to binding arbitration. Defendants argue in this interlocutory appeal that
                   WYGAND V. DEUTSCHE BANK TR. CO. AMERICAS

                                  Opinion of the Court



they have the contractual right to demand arbitration. For the reasons stated herein,

we reverse and remand.

                         Factual and Procedural Background

      On July 2, 1998, Plaintiffs executed a Note in favor of Saxon Mortgage

Corporation, which called for monthly installment payments consisting of principal

and interest.   The Note was secured by a Deed of Trust on Plaintiffs’ primary

residence located in New Bern, North Carolina.           In connection with the loan,

Plaintiffs executed an Arbitration Rider, which supplemented the provisions of the

Deed of Trust. The Arbitration Rider stated in pertinent part:

             ARBITRATION OF DISPUTES. All disputes, claims, or
             controversies arising from or related to the loan evidenced
             by the Note, including statutory claims, shall be resolved
             by binding arbitration, and not by court action, except as
             provided under “Exclusions from Arbitration” below. This
             arbitration agreement is made pursuant to a transaction
             involving interstate commerce, and shall be governed by
             the Federal Arbitration Act (9 U.S.C. §§ 1-14) and the Code
             of Procedure of the National Arbitration Forum as in effect
             as of the date of this agreement. . . . Any arbitration
             hearing shall be conducted in the jurisdiction in which the
             Borrower signs this agreement, unless a different location
             is agreed to by Borrower and Lender. . . .

             EXCLUSION FROM ARBITRATION. This agreement
             shall not limit the right of Lender to (a) accelerate or
             require immediate payment in full of the secured
             indebtedness or exercise the other Remedies described in
             this Security Instrument before, during, or after any
             arbitration, including the right to foreclose against or sell
             the Property . . . .



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             NOTICE. BY SIGNING THIS ARBITRATION RIDER
             YOU ARE AGREEING TO HAVE ANY DISPUTE
             ARISING OUT OF THE MATTERS DESCRIBED IN THE
             ‘ARBITRATION OF DISPUTES’ SECTION ABOVE
             DECIDED EXCLUSIVELY BY ARBITRATION, AND
             YOU ARE GIVING UP ANY RIGHTS YOU MIGHT HAVE
             TO LITIGATE DISPUTES IN A COURT OR JURY TRIAL,
             DISCOVERY IN ARBITRATION PROCEEDINGS IS
             LIMITED IN THE MANNER PROVIDED BY THIS
             AGREEMENT. (“Notice Provision”).

      In February 2017, Trustee Services of Carolina, LLC commenced a special

proceeding in Craven County seeking to exercise the power of sale provision in the

Deed of Trust, and foreclose on Plaintiffs’ real property. The foreclosure proceeding

remains pending in Craven County.

      On July 17, Plaintiffs filed suit in Craven County and demanded a jury trial

against Defendants, alleging causes of action for breach of contract; violations of the

North Carolina Debt Collection Act, North Carolina Unfair and Deceptive Trade

Practices Act, North Carolina Mortgage Debt Collection and Servicing Act;

defamation; and negligence. In addition, Plaintiffs sought a temporary restraining

order, preliminary injunction, and permanent injunction. Defendants then filed a

motion for an extension of time to file an answer or other responsive pleadings in

response to Plaintiffs’ complaint. On September 21, Defendants filed their answer

and affirmative defenses. Plaintiffs then filed their First Set of Interrogatories and

Requests for Production of Documents on September 27. After obtaining an extension

of time to answer, Defendants provided their responses to Plaintiffs’ First Set of


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                                   Opinion of the Court



Interrogatories and Requests for Production of Documents on November 27. Also, on

December 22, Defendants filed a motion for substitution of counsel, and an order was

entered on January 10, 2018, granting this motion.

      On March 16, 2018, Defendants filed a motion to dismiss, or in the alternative,

to compel arbitration.     Plaintiffs filed a response and memorandum of law in

opposition to Defendants’ motion on May 4.          In support, Plaintiffs provided an

Affidavit of Joseph Z. Frost (“Attorney’s Affidavit”), which stated, among other things,

that “through May 3, 2018, Plaintiffs have incurred actual attorneys’ fees, expenses,

and costs in the amount of $40,164.51, relating to the preparation, filing, and

prosecution of the above-captioned civil action, and defense of the special proceeding

filed by Defendants, seeking to exercise the power of sale provision in the Deed of

Trust.” On March 21, the parties participated in a mediation, which resulted in a

recess. Upon Defendants’ request, on May 14, the trial date was moved from July 9

to August 8.

      After a hearing was held on Defendants’ motion to compel arbitration, the trial

court entered an order on May 30, 2018, denying Defendants’ motion (“Order Denying

Arbitration”). In its Order Denying Arbitration, the trial court made the following

pertinent findings and conclusions:

                  3. The Arbitration Rider is unconscionable and
               unenforceable pursuant to N.C. Gen. Stat. § 22B-10, as a
               matter of law, because it required that Plaintiffs, as the
               purported contracting parties, waive their right to jury


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              trial.      Although contractual provisions may provide
              procedural prerequisites or contractually limit the time,
              place, or manner or asserting claims, N.C. Gen. Stat. § 22B-
              10 expressly prohibits “any provision in a contract
              requiring a party to the contract to waive his right to a jury
              trial . . .” N.C. Gen. Stat. § 22B-10. The Arbitration Rider,
              which does not contain a severability clause, contains an
              unenforceable provision requiring Plaintiffs, as the
              contracting parties, to “GIV[E] UP ANY RIGHTS YOU
              MIGHT HAVE TO LITIGATE DISPUTES IN A COURT
              OR JURY TRIAL.” In the absence of a severability clause,
              and based upon the explicit language of the Arbitration
              Rider requiring that Plaintiffs waive or “give up” their
              right to a jury trial, the Arbitration Rider is unconscionable
              and unenforceable, pursuant to N.C. Gen. Stat. § 22B-10,
              as a matter of law.

                 4. However, and even if the Arbitration Rider was not
              unenforceable as a matter of law pursuant to N.C. Gen.
              Stat. § 22B-10, Defendants—by and through its course of
              conduct and actions—have waived any purported right to
              compel or require arbitration of the claims for relief
              asserted in the Complaint filed by Plaintiffs. . . .

      Defendants appeal, arguing that the trial court erred when it denied their

motion to compel arbitration. We agree.

                                        Analysis

      We must initially note that Defendants’ appeal is interlocutory.                 “An

interlocutory order is one made during the pendency of an action, which does not

dispose of the case, but leaves it for further action by the trial court in order to settle

and determine the entire controversy.” Veazey v. City of Durham, 231 N.C. 357, 362,

57 S.E.2d 377, 381 (1950) (citation omitted).          “Generally, there is no right of

immediate appeal from interlocutory orders and judgments. It is, however, well

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                                    Opinion of the Court



established that an order denying a motion to compel arbitration [affects a

substantial right and] is immediately appealable.” Cornelius v. Lipscomb, 224 N.C.

App. 14, 16, 734 S.E.2d 870, 871 (2012) (citations and quotation marks omitted).

Therefore, Defendants’ appeal is properly before us.

                      The standard governing our review of this case is
               that findings of fact made by the trial judge are conclusive
               on appeal if supported by competent evidence, even if ...
               there is evidence to the contrary. Conclusions of law drawn
               by the trial court from its findings of fact are reviewable de
               novo on appeal. Because unconscionability is a question of
               law, this Court will review de novo the trial court’s
               conclusion that the arbitration agreement contained in
               plaintiffs’ loan agreements is unconscionable.

Tillman v. Commercial Credit Loans, Inc., 362 N.C. 93, 100-01, 655 S.E.2d 362, 369

(2008) (citations and quotation marks omitted).

         Defendants contend that the trial court erred in concluding that the

Arbitration Rider was unconscionable pursuant to N.C. Gen. Stat. § 22B-10. We

agree.

         Section 22B-10 states:

               Any provision in a contract requiring a party to the
               contract to waive his right to a jury trial is unconscionable
               as a matter of law and the provision shall be unenforceable.
               This section does not prohibit parties from entering into
               agreements to arbitrate or engage in other forms of
               alternative dispute resolution.

N.C. Gen. Stat. § 22B-10 (2017). Section 22B-10 cannot be read as equating contracts

with an arbitration clause to those contracts that do not contain an arbitration clause.


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                                  Opinion of the Court



The language of this section could not be clearer: the proscription against contractual

waivers of jury trials “does not prohibit parties from entering into agreements to

arbitrate or engage in other forms of alternative dispute resolution.” N.C. Gen. Stat.

§ 22B-10 (emphasis added).

      Moreover, “North Carolina has a strong public policy favoring arbitration of

disputes between parties. Our strong public policy requires that the courts resolve

any doubts concerning the scope of arbitrable issues in favor of arbitration.” Miller

v. Two State Constr. Co., 118 N.C. App. 412, 416, 455 S.E.2d 678, 680-81 (1995)

(citations and quotation marks omitted). “Once an agreement to arbitrate is found,

courts should compel arbitration on a party’s motion and then step back and take a

hands-off attitude during the arbitration proceeding.” Id. at 415, 455 S.E.2d at 680

(citation and quotation marks omitted).

      “An agreement to arbitrate a dispute is not an unenforceable contract requiring

waiver of a jury,” and “there is no constitutional impediment to arbitration

agreements.” Id. at 416-17, 455 S.E.2d at 681. In Miller v. Two State Construction

Company, this Court held that “the trial court erred in concluding that because the

arbitration provision did not provide for trial of facts by a jury that it was

unconscionable and unenforceable under North Carolina General Statutes § 22B-10,

and in violation of Article I §§ 18 and 25 of the North Carolina Constitution.” Miller,

118 N.C. App. at 416, 455 S.E.2d at 681.



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                                  Opinion of the Court



      Thus, Section 22B-10 expressly permits parties to enter into arbitration

agreements. “Arbitration may be defined as a method for the settlement of disputes

and differences between two or more parties, whereby such disputes are submitted to

the decision of one or more persons specially nominated for the purpose, either

instead of having recourse to an action at law, or, by order of the Court, after such

action has been commenced.” Arbitration, BLACK’S LAW DICTIONARY (10th ed. 2014)

(quoting John P.H. Soper, A Treatise on the Law and Practice of Arbitrations and

Awards 1 (David M. Lawrence ed., 5th ed. 1935)). Further, this Court has stated that

arbitration is “a process to privately adjudicate a final and binding settlement of

disputed matters quickly and efficiently, without the costs and delays inherent in

litigation.” Canadian Am. Ass’n of Prof’l Baseball, Ltd. v. Ottawa Rapidz, 213 N.C.

App. 15, 18, 711 S.E.2d 834, 837 (2011) (citation and quotation marks omitted).

Therefore, arbitration necessarily settles disputed matters without a jury trial.

      Here, the Notice Provision simply explains that by agreeing to arbitration, any

disputes would be settled without a jury. Such contractual provisions which define

or explain arbitration do not run afoul of Section 22B-10, and including an

explanation of what a party forfeits when it agrees to arbitrate any disputes in an

arbitration agreement does not render the arbitration agreement unenforceable.

Accordingly, the trial court erred when it concluded that the Arbitration Rider was

unconscionable pursuant to Section 22B-10.



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                                         Opinion of the Court



      Even if Section 22B-10 could be read as allowing arbitration clauses, yet

precluding waivers of jury trials, here, the Arbitration Rider is still enforceable

pursuant to the Federal Arbitration Act.

      “[S]tate law generally governs issues concerning the formation, revocability,

and enforcement of arbitration agreements.” Park v. Merrill Lynch, 159 N.C. App.

120, 122, 582 S.E.2d 375, 378 (2003). However, “[i]f the parties affirmatively chose

the FAA to govern an agreement to arbitrate, then the FAA will apply to that

agreement.” Bailey v. Ford Motor Co., 244 N.C. App. 346, 350, 780 S.E.2d 920, 924

(2015) (citation omitted) (determining that the FAA applied to any disputes arising

from the parties’ arbitration agreement after noting the trial court should have

addressed this issue).1 The FAA is “enforceable in both state and federal courts,”

Park, 159 N.C. App. at 122, 582 S.E.2d at 377, and “the FAA preempts conflicting

state law, including any state statutes that render arbitration agreements

unenforceable.” Sillins v. Ness, 164 N.C. App. 755, 757, 596 S.E.2d 874, 876 (2004).

More specifically, “[t]he FAA only preempts state rules of contract formation which

single out arbitration clauses and unreasonably burden the ability to form arbitration

agreements ... with conditions on (their) formation and execution ... which are not

part of the generally applicable contract law.” Park, 159 N.C. App. at 122, 582 S.E.2d

at 378 (citations and quotation marks omitted).



      1   On appeal, Plaintiffs do not dispute the applicability of the FAA.

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                                  Opinion of the Court



                    [T]he United States Supreme Court has issued two
             important opinions on the use of state law to set aside an
             arbitration agreement when that agreement is governed by
             the FAA: AT&T Mobility v. Concepcion, ___ U.S. ___, 179
             L. Ed. 2d 742 (2011) (determining that the FAA preempted
             California’s judicial rule prohibiting class waivers in
             consumer arbitration agreements contained within
             contracts of adhesion) and American Express Co. v. Italian
             Colors Rest., ___ U.S. ___, 186 L. Ed. 2d 417 (2013) (holding
             that the FAA does not permit courts to invalidate an
             arbitration agreement on the grounds that it does not
             permit class arbitration).

King v. Bryant, 369 N.C. 451, 459-60, 795 S.E.2d 340, 346, cert. denied, 138 S. Ct.

314, 199 L. Ed. 2d 233 (2017) (citation and quotation marks omitted). Our Supreme

Court then emphasized that, “[w]hile both Concepcion and Italian Colors dealt with

class action waivers, underlying those decisions was a broader theme that

unconscionability attacks that are directed at the arbitration process itself will no

longer be tolerated.” Id. at 460, 795 S.E.2d at 346 (quoting Torrence v. Nationwide

Budget Finance, 232 N.C. App. 306, 321, 753 S.E.2d 802, 811 (2014)) (emphasis

added).

       As stated above, Section 22B-10 does not burden the formation of contracts

with arbitration clauses. However, even if we presume arguendo that it does, the

contract dictates that FAA governs review of the Arbitration Rider. Because the FAA

preempts state statutes that render arbitration agreements unenforceable, Section

22B-10 cannot be interpreted or used to set aside the parties’ Arbitration Rider, and




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                                   Opinion of the Court



the trial court erred when it purported to interpret Section 22B-10 to render the

Arbitration Rider unconscionable.

      In addition, the trial court’s Order Denying Arbitration concluded that, even if

the Arbitration Rider was enforceable, Defendants had waived their right to compel

arbitration by utilizing the “litigation machinery,” which in turn, prejudiced

Plaintiffs. On appeal, Defendants argue these conclusions are erroneous. We agree.

      As stated above, “state law generally governs issues concerning the formation,

revocability, and enforcement of arbitration agreements.” Park, 159 N.C. App. at 122,

582 S.E.2d at 378. “Since the right to arbitration arises from contract, it may be

waived in certain instances.” T.M.C.S., Inc. v. Marco Contractors, Inc., 244 N.C. App.

330, 340, 780 S.E.2d 588, 595 (2015) (citation omitted).

                    Waiver of a contractual right to arbitration is a
             question of fact. Because of the strong public policy in
             North Carolina favoring arbitration, courts must closely
             scrutinize any allegation of waiver of such a favored right.
             Because of the reluctance to find waiver, we hold that a
             party has impliedly waived its contractual right to
             arbitration if by its delay or by actions it takes which are
             inconsistent with arbitration, another party to the contract
             is prejudiced by the order compelling arbitration.

                    A party may be prejudiced if, for example, it is forced
             to bear the expenses of a lengthy trial; evidence helpful to
             a party is lost because of delay in the seeking of arbitration;
             a party’s opponent takes advantage of judicial discovery
             procedures not available in arbitration; or, by reason of
             delay, a party has taken steps in litigation to its detriment
             or expended significant amounts of money thereupon.



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                                     Opinion of the Court



Cyclone Roofing Co. v. David M. LaFave Co., 312 N.C. 224, 229-30, 321 S.E.2d 872,

876-77 (1984) (citations omitted).

      “[T]he mere filing of pleadings by both parties to a contract containing an

arbitration agreement does not constitute waiver of the arbitration provision as a

matter of law[.]” Id. at 232, 321 S.E.2d at 878. Also, “[r]esponding to discovery

requests promulgated by an opposing party—or . . . failing to respond to discovery

requests—does not constitute making use of discovery not available in arbitration.”

Herbert v. Marcaccio, 213 N.C. App. 563, 568, 713 S.E.2d 531, 535 (2011). In addition,

“inconveniences and expenses consistent with normal trial preparation” will not be

considered detrimental spending. Smith v. Young Moving & Storage, Inc., 141 N.C.

App. 469, 473, 540 S.E.2d 383, 386 (2000) (citations and quotation marks omitted).

      Moreover, “when considering whether a delay in requesting arbitration

resulted in significant expense for the party opposing arbitration, the trial court must

make findings (1) whether the expenses occurred after the right to arbitration

accrued, and (2) whether the expenses could have been avoided through an earlier

demand for arbitration.” Herbert, 213 N.C. App. at 568, 713 S.E.2d at 536. When the

trial court fails to make findings indicating whether any legal fees incurred resulted

from delay in demanding arbitration or whether they were incurred prior to a demand

for arbitration, a trial court cannot conclude the party opposing arbitration was

prejudiced by having expended significant expenses in litigation costs. McCrary ex



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                                  Opinion of the Court



rel. McCrary v. Byrd, 148 N.C. App. 630, 639-40, 559 S.E.2d 821, 827 (2002)

(emphasizing that expenses incurred in pursuit of claims in a separate action cannot

be calculated to support a finding of significant expense).

      Here, the trial court made the following findings regarding Defendants’ actions

and conduct inconsistent with arbitration:

             A. The filing of multiple pleadings with this Court,
                including the Answer and requests for extensions of
                certain deadlines and continuances of the Trial, which
                neglected to raise any right to demand arbitration relief
                under the Arbitration Rider or otherwise requesting—
                at any point between service of the Complaint on July
                21, 2017, through March 15, 2018—to compel
                arbitration of the claims for relief in the Complaint;

             B. The commencement and continued prosecution of the
                Foreclosure Proceeding, seeking to foreclose on its
                purported interest, lien and encumbrance in the
                Property, which involved the same legal and factual
                issues as those affirmative claims asserted by Plaintiffs
                in the Complaint;

             C. Agreeing to, and participating in, the Mediation, which
                was recessed and not declared an impasse by the
                Mediator;

             D. Engaging in certain actions and pursuing a litigation
                strategy, in the above-captioned civil action, which
                resulted in Plaintiffs expending additional attorneys’
                fees, expenses, and costs associated with litigating the
                matter before this Court; and

             E. Preparing and serving on Plaintiffs, through their
                counsel, the Ocwen Written Discovery Responses,
                which included production of thousands of pages of



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                                  Opinion of the Court



                documents,    materials,    and    items   in   connection
                therewith.


      Although Defendants did file an answer in response to Plaintiffs’ complaint,

“the mere filing of pleadings by both parties to a contract containing an arbitration

agreement does not constitute waiver of the arbitration provision as a matter of

law[.]” Cyclone Roofing Co., 312 N.C. at 232, 321 S.E.2d at 878. Moreover, Plaintiffs,

not Defendants, initiated discovery when Plaintiffs filed their First Set of

Interrogatories and Requests for Production of Documents on September 27, 2017.

Because “[r]esponding to discovery requests promulgated by an opposing party . . .

does not constitute making use of discovery not available in arbitration,” Herbert,

213 N.C. App. at 568, 713 S.E.2d at 535, Defendants’ responses cannot be considered

making use of the litigation machinery. Furthermore, after moving for arbitration,

“subsequent participation in mediation, absent a specific waiver of arbitration, is not

‘inconsistent with arbitration’ and does not constitute an implied waiver of

arbitration.” O’Neal Constr., Inc. v. Leonard S. Gibbs Grading, Inc., 121 N.C. App.

577, 580-81, 468 S.E.2d 248, 250 (1996) (citation omitted). Because Defendants did

not delay in moving for arbitration or act inconsistently with arbitration, the trial

court erred in determining that Defendants had waived their right to arbitration

under this factor.

      The trial court also made the following findings regarding how Plaintiffs were

prejudiced by its expenditure of $40,164.51 and 112 hours of legal services:

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                                  Opinion of the Court



                 6. The delay by Defendants in electing to exercising
             (sic) their purported rights to demand arbitration under
             the Arbitration Rider, in addition to the foregoing
             inconsistent actions and steps that they undertook, were
             prejudicial to Plaintiffs, as they were required to expend
             significant time, resources, and expenses in prosecuting
             and litigating this action following the filing of the
             Complaint with this Court on July 17, 2017, which is the
             time at which Defendants’ purported right to arbitration,
             under the Arbitration Rider, accrued.

                7. All of the costs and expenses that Plaintiffs have
             incurred, including the substantial attorneys’ fees and
             expenses reflected in the Attorney’s Affidavit, totaling
             $40,164.51, were attributable solely to the positions taken
             by Defendants, were for naught if this action were to be
             abruptly sent to arbitration after engaging in pretrial
             discovery in this multi-proceeding litigation.

      The Attorney’s Affidavit indicated that a substantial amount of time and effort

had been expended in “preparing the requisite pleadings, and attending the hearings

held by the Court, preparation of written discovery and reviewing responses and any

responsive documentation produced in connection therewith, both in the above-

captioned civil action, and the related special proceeding.” The Attorney’s Affidavit

further noted that “through May 3, 2018, Plaintiffs have incurred actual attorneys’

fees, expenses, and costs in the amount of $40,164.51, relating to the preparation,

filing, and prosecution of the above-captioned civil action, and defense of the special

proceeding filed by Defendants, seeking to exercise the power of sale provision in the

Deed of Trust.”




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                                   Opinion of the Court



         Although the Affidavit indicates that 112 hours of legal services and

$40,164.51 had been expended, the Affidavit does not distinguish how much time or

expense was actually expended on filing suit and pursing this proceeding as opposed

to the special proceeding.     The special proceeding was not only excluded from

arbitration as stated in the Arbitration Rider, but it was also filed prior to July 17,

2017. Thus, any time or expense spent on that proceeding are immaterial to our

determination of prejudice in this proceeding. McCrary, 148 N.C. App. at 639-40, 559

S.E.2d at 827. Because it is unclear how much money Plaintiffs have expended in

legal fees prior to and after Defendants’ demand for arbitration, the trial court erred

in concluding Plaintiffs were prejudiced by having expended $40,164.51 in litigation

costs.

         Thus, the trial court also erred when it concluded that Defendants had waived

their contractual right to compel arbitration by acting inconsistently with arbitration,

and that as a result, Plaintiffs had been prejudiced. Accordingly, we reverse and

remand the trial court’s Order Denying Arbitration.

                                      Conclusion

         The trial court erred in concluding that the Arbitration Rider was

unconscionable. The trial court also erred when it concluded in the alternative, that

Defendants had waived their right to compel arbitration through their course of

conduct, which in turn, prejudiced Plaintiffs. Therefore, we reverse and remand for



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                                 Opinion of the Court



entry of an order directing the parties to submit to arbitration consistent with the

terms of the Arbitration Rider and the FAA.

      REVERSED AND REMANDED.

      Chief Judge MCGEE and Judge TYSON concur.




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