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May One Undo What One HAS Done?

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Mortgage and Lending with Right Trac Financial Group, Inc., NMLS# 2709 NMLS #1012303

As somewhat of a companion blog to my recent blog about rescinding a loan before consummation of the loan transaction, a recent case in the Supreme Court (trial court) for Nassau County, NY, has somewhat of a similar twist, but involves the cancellation of a Residential Contract of Sale.  The case is entitled Jenkins v. Hobbs, and is another case where no one wins except the attorneys.

In June 2010, Jenkins entered into a contract to purchase the property owned by Hobbs.  The contract did contain a mortgage contingency clause which allowed Jenkins 45 days within which to obtain a mortgage and failing fulfillment of the contingency, the contract could thereafter be cancelled by either party by written notice to the attorney for the other party. 

Jenkins did not obtain a mortgage commitment within 45 days, and in September 2010 the contract was cancelled.  The parties agreed in the court case that the contract was cancelled, but neither could remember how or when, and there was no documentary evidence of the cancellation.  The down payment paid by Jenkins was returned to Jenkins in February 2011.

In February 2012, Jenkins sued Hobbs for breach of contract as Hobbs refused to sell the property to Jenkins at that time unless Jenkins agreed to pay an additional $15,000 for the property.  In response, Jenkins filed suit to enforce the contract which all parties agreed was previously cancelled.  On a motion by Hobbs, the case brought by Jenkins was dismissed. It is hard to believe that an attorney would advise Jenkins to go forward with such a groundless case, but strange things happen in the world of real estate.

The foregoing statements are not to be considered as legal advice or as a legal opinion.  If you are involved in a contract dispute you are advised to seek the services of a competent attorney.

Posted by

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Randy Kirsch, NMLS #1012303

Right Trac Financial Group, Inc. NMLS #2709

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Manchester, Ct. 06042

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The blogs written and published by Randy Kirsch are not in any manner whatsoever to be considered as legal advice or as a legal opinions.  If you have legal questions or concerns regarding any area of real estate law or mortgage law you are advised to consult a licensed, competent real estate attorney in your local area to address your concerns and questions.

 

Randy Kirsch does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

 

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Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Randy. You are surprised why? Unfortunately many of the actions that are started should never have been, just like the one you just described.

Oct 28, 2014 07:29 PM