RICHARD A. CARDEN and ROSALIE P. CARDEN v. HSBC MORTGAGE SERVICES, INC., f/k/a HOUSEHOLD FINANCE CORP., Defendant-Respondent

RICHARD A. CARDEN and )
ROSALIE P. CARDEN, )
)
Plaintiffs-Appellants, )
)
vs. ) No. SD36172
)
HSBC MORTGAGE SERVICES, INC., ) Filed: May 4, 2020
f/k/a HOUSEHOLD FINANCE CORP., )
)
Defendant-Respondent. )

APPEAL FROM THE CIRCUIT COURT OF PHELPS COUNTY

Honorable Gael D. Wood, Senior Judge

Before Lynch, P.J., Rahmeyer, J., and Francis, Jr., J.

APPEAL DISMISSED; JUDGMENT AFFIRMED

PER CURIAM. Richard A. Carden and Rosalie P. Carden (“Appellants”) appeal

the judgment dismissing a Petition they filed against HSBC Mortgage Services, Inc., f/k/a

Household Finance Corp. (“HSBC”). The Petition 1 was dismissed for failure to state a

claim. The trial court also found that Appellants’ petition was frivolous and sanctioned

Appellants with the payment of $2,000 in attorneys’ fees to HSBC. Further, the court

1
The Petition was titled “Petition for Damages Fraudulent Unlawful Admitted Conduct with Trial by Jury
Injury to the Person RSMO 516.120.”

1
“ordered [Appellants] to not file any further lawsuits or motions relating to the

allegations in their Petition relating to their prior loan with HSBC or foreclosure on their

property.”

Appellants have engaged in extensive litigation and appeals involving the

foreclosure of their home. 2 Each of the appeals resulted in a dismissal by this Court for

failure to comply with the rules of appellate procedure. This appeal suffers the same fate.

To begin with, Appellants’ statement of facts fails to comply with Rule 84.04(c). 3

Appellants’ statement of facts gives a procedural history of the actions of the Missouri

Attorney General against HSBC. There is no fact that ties that action of the Attorney

General to Appellants. Appellants do not state the substance of their current Petition.

We are left to wonder what this action is about from the statement of facts. Although

Appellants note that the trial court dismissed the Petition because the action had been

heard by other courts, Appellants in no way stated what the substance of this Petition is,

nor how it is different from any of the previous actions.

If we then look to the points relied on, we are further confused. Appellants’ first

point follows none of the dictates of Rule 84.04(d). It does not follow the format of Rule

84.04(d) by identifying the trial court ruling or action challenged. If we surmise that it is

granting the motion to dismiss, we still are not informed of the legal reason that the trial

court erred. We can guess what the grounds are by reviewing the motion to dismiss, but

2
Briefing violations have compelled us to dismiss five prior pro se appeals by Appellants: Carden v. CSM
Foreclosure Trustee Corp., 575 S.W.3d 297 (Mo.App. S.D. 2019); Carden v. Regions Bank, Inc., 542
S.W.3d 367 (Mo.App. S.D. 2017); Carden v. CSM Foreclosure Trustee Corp., 479 S.W.3d 164 (Mo.App.
S.D. 2015); Carden v. City of Rolla, 290 S.W.3d 728 (Mo.App. S.D. 2009); and Carden v. Missouri
Intergovernmental Risk Mgmt. Ass’n [MIRMA], 258 S.W.3d 547 (Mo.App. S.D. 2008). Each opinion
described well-established Rule 84.04 requirements, why compliance is necessary, how Appellants’
briefing was deficient, and why this impeded appellate review. All of the cases stem in some way from the
foreclosure action on Appellants’ home.
3
All references to rules are to Missouri Court Rules (2020).

2
Appellants fail to inform us which legal ground is being challenged. Finally, Appellants

fail to inform us in summary fashion why, in the context of this case, the legal reasons

support a claim of reversible error. Rather, the point relied on simply cites an entire

excerpt from a Supreme Court opinion in an unrelated case. Appellants’ third point

appears to be a continuation of the first point with all the same infirmities. Points I and

III leave nothing for review.

The second point at least states a claimed trial court error in imposing sanctions,

but fails to state the legal reasons for reversible error or the facts in the context of this

case supporting why sanctions should not have been imposed.

The most egregious error, however, is that the argument section fails to support

any of the points. The entire argument consists of one page for all three points. It fails to

distinguish between the three points and cites no cases that correspond to the issues

before the trial court or the issues before this Court. It appears to be simply a nonsensical

collection of sentences. There is no standard of review, only one case cited, and no page

cites in the argument section. 4

As we first noted in the Carden v. MIRMA case from 2008:

If we did not fairly and impartially apply the rules to all litigants,
regardless of their status as an unrepresented party, represented party or
attorney, we would be abdicating the rule of law.
. . . [F]ailure to comply with procedural rules also creates the
possibility that the appellate court, in an effort to fairly review the trial,
would become an advocate by speculating on the facts and arguments
which have not been made. We will not assume that role. Failure to
comply with the briefing requirements under Rule 84.04 preserves nothing
for appellate review.
. . . In order that we may adjudicate an appeal without becoming an
advocate for the appellant, the appellant must define the scope of the
controversy by stating the relevant facts fairly and concisely.

4
While we appreciate HSBC’s attempts to make sense of Appellants’ claims, at the risk of making a legal
argument for Appellants we are not comfortable addressing any of Appellants’ claims on the merits.

3
 . . . Where, as here, the briefing deficiencies are so substantial that
the appellate court, in order to conduct any review, would be forced to
speculate not only as to the claims being raised, but as to the facts and
arguments being relied on in support of the same, we have no choice but
to decline review.

Carden v. Missouri Intergovernmental Risk Management Ass’n, 258 S.W.3d 547, 554-

55, 557 (Mo.App. S.D. 2008) (internal quotations and citations omitted).

The appeal is dismissed; the judgment is affirmed.

4