                           NOT FOR PUBLICATION

                    UNITED STATES COURT OF APPEALS                           FILED
                           FOR THE NINTH CIRCUIT                              NOV 21 2012

                                                                          MOLLY C. DWYER, CLERK
MARGARET CARSWELL,                              No. 11-55423               U.S. COURT OF APPEALS



              Plaintiff - Appellant,            D.C. No. 2:10-cv-05152-GW-PLA

  v.
                                                MEMORANDUM*
JP MORGAN CHASE BANK N.A.; and
CALIFORNIA RECONVEYANCE
COMPANY,

              Defendants - Appellees.


                   Appeal from the United States District Court
                      for the Central District of California
                    George H. Wu, District Judge, Presiding

                     Argued and Submitted November 7, 2012
                              Pasadena, California

Before: GRABER, IKUTA, and HURWITZ, Circuit Judges.

       Margaret Carswell appeals the dismissal of her complaint. On de novo

review, Decker v. Advantage Fund Ltd., 362 F.3d 593, 595–96 (9th Cir. 2004), we

affirm.




          *
         This disposition is not appropriate for publication and is not precedent
except as provided by Ninth Circuit Rule 36-3.
      1. The district court properly dismissed the claim for wrongful foreclosure.

Defendants had statutory authority to initiate nonjudicial foreclosure proceedings.

Cal. Civ. Code § 2924(a)(1). Moreover, the statute does not allow a mortgagee to

sue to determine authority to foreclose. Robinson v. Countrywide Home Loans,

Inc., 130 Cal. Rptr. 3d 811, 814 (Ct. App. 2011); Gomes v. Countrywide Home

Loans, Inc., 121 Cal. Rptr. 3d 819, 824 (Ct. App. 2011).

      2. The district court properly dismissed the claim for unjust enrichment.

Even if such a theory exists in California, compare Melchior v. New Line Prods.,

Inc., 131 Cal. Rptr. 2d 347, 357 (Ct. App. 2003) (holding that there is no cause of

action in California for unjust enrichment), with Lectrodryer v. SeoulBank, 91 Cal.

Rptr. 2d 881, 883–84 (Ct. App. 2000) (permitting an unjust enrichment claim to

stand), JPMorgan Chase Bank ("Chase") was entitled to receive Plaintiff’s loan

payments because it was the loan servicer.

      3. The district court properly dismissed the claim for violations of the Real

Estate Settlement Procedures Act of 1974 ("RESPA"). Plaintiff failed to allege

(and cannot plausibly allege) any actual damage, which is required as an element

of a RESPA claim. 12 U.S.C. § 2605(f)(1)(A).




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      4. The court properly dismissed the claim for violations of the Truth in

Lending Act because it was time-barred. 15 U.S.C. § 1640(e); King v. California,

784 F.2d 910, 915 (9th Cir. 1986).

      5. The court properly dismissed the claim that Plaintiff’s contract with

Washington Mutual Bank ("WaMu") was void ab initio. Plaintiff cites no

authority for the proposition that a contract is void ab initio when one of the parties

to the contract did not disclose what it intended to do later with its economic

interest in the contract. Nor are we aware of any such authority. WaMu’s alleged

intent to securitize the mortgage after it was entered into stood as no obstacle to

contract formation.

      6. The district court properly dismissed the claim for "fraud and

concealment." A claim for fraud based on concealment requires that the

defendant’s concealment cause the plaintiff damages. Hahn v. Mirda, 54 Cal. Rptr.

3d 527, 532 (Ct. App. 2007). But any alleged failure by Chase to disclose

information caused Plaintiff no damage; only her failure to pay the mortgage

caused her damage.

      7. The district court properly dismissed the quiet title claim. Plaintiff did

not, and cannot plausibly, allege that she satisfied her payment obligations under




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the deed of trust. Plaintiff cannot quiet title without satisfying her debt. Aguilar v.

Bocci, 114 Cal. Rptr. 91, 92 (Ct. App. 1974).

      8. The district court properly dismissed the claim for declaratory and

injunctive relief, because Plaintiff has not pleaded a legally cognizable injury.

      9. The district court properly dismissed the claim for slander of title.

Statements made by Defendants in connection with the statutory nonjudicial

foreclosure proceedings were privileged and cannot support a claim for slander of

title. Kachlon v. Markowitz, 85 Cal. Rptr. 3d 532, 545 (Ct. App. 2008).

Moreover, Plaintiff did not, and cannot plausibly, allege that any statement was

without justification, which is an element of a slander of title claim. Seeley v.

Seymour, 237 Cal. Rptr. 282, 288 (Ct. App. 1987).

      10. The district court properly dismissed the claim for intentional infliction

of emotional distress. That claim requires an allegation of extreme and outrageous

conduct. Christensen v. Superior Court, 820 P.2d 181, 202 (Cal. 1991). The

complaint does not allege that Defendants engaged in any such conduct.

      11. Finally, the district court did not err in taking judicial notice of the

contents of the Purchase and Assumption Agreement. We review for abuse of

discretion a district court’s decision whether to take judicial notice. Madeja v.

Olympic Packers, LLC, 310 F.3d 628, 639 (9th Cir. 2002). In ruling on a motion


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to dismiss, a district court may consider "matters properly subject to judicial

notice." Swartz v. KPMG LLP, 476 F.3d 756, 763 (9th Cir. 2007) (per curiam).

The Purchase and Assumption Agreement was properly subject to judicial notice

under Federal Rule of Evidence 201(b)(2).

      AFFIRMED.




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