FILED
NOT FOR PUBLICATION JUN 14 2013
MOLLY C. DWYER, CLERK
UNITED STATES COURT OF APPEALS U .S. C O U R T OF APPE ALS
FOR THE NINTH CIRCUIT
BARBARA NURCZEWSKA, No. 12-55309
Plaintiff - Appellant, D.C. No. 5:11-cv-01668-RGK-SP
v.
MEMORANDUM *
FEDERAL HOME LOAN MORTGAGE
CORPORATION; JPMORGAN CHASE
BANK,
Defendants - Appellees.
Appeal from the United States District Court
for the Central District of California
R. Gary Klausner, District Judge, Presiding
Argued and Submitted June 5, 2013
Pasadena, California
Before: TROTT and W. FLETCHER, Circuit Judges, and STEIN, District Judge.**
Plaintiff-Appellant Barbara Nurczewska appeals the dismissal of her first
*
This disposition is not appropriate for publication and is not precedent
except as provided by 9th Cir. R. 36-3.
**
The Honorable Sidney H. Stein, District Judge for the U.S. District
Court for the Southern District of New York, sitting by designation.
amended complaint without leave to amend. We have jurisdiction under 28 U.S.C.
§ 1291, and we affirm.
Nurczewska’s argument to set aside the foreclosure sale based upon
California’s deed-of-trust statutes is misplaced. An agreement between the lender
and a non-trustor third party, like Nurczewska, does not void the sale. See Nguyen
v. Calhoun,129 Cal. Rptr. 2d 436, 450 (Cal. Ct. App. 2003) (holding that a “non-
statutory postponement . . . does not constitute an irregularity in the foreclosure
proceeding itself” that could justify setting aside a foreclosure sale).
Nurczewska’s breach of contract claim fails for lack of consideration.
Consideration requires a bargained for detriment or benefit. Steiner v. Thexton,
226 P.3d 359, 366 (Cal. 2010). None of Nurczewska’s actions was taken at
Appellees’ request. Therefore, they are not consideration for the oral promise to
postpone the foreclosure sale.
While the fact that Nurczewska’s reliance on Freddie Mac’s promise to
postpone the foreclosure sale may support a standalone claim for promissory
estoppel, it does not save Nurczewska’s contract claim. The California Supreme
Court “repeatedly has recognized the claims not only as distinct or alternative
theories of recovery but also as mutually exclusive.” Douglas E. Barnhart, Inc. v.
CMC Fabricators, Inc., 149 Cal. Rptr. 3d 440, 450 (Cal. Ct. App. 2013); see also
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id. (collecting cases distinguishing between the two causes of action). However,
at oral argument Nurczewska’s counsel expressly disclaimed any intent to amend
the complaint to include a claim for promissory estoppel.
Nurczewska’s fraud claim fails because she did not suffer any “out-of-
pocket” damages. See Fragale v. Faulkner, 1 Cal. Rptr. 3d 616, 622 (Cal. Ct. App.
2003).
Nurczewska’s negligence claim fails because Freddie Mac did not owe
Nurczewska a duty of care. Unless a financial institution steps out of its traditional
role as a lender, it does not owe a duty of care to a borrower. See, e.g., Nymark v.
Heart Fed. Savings & Loan Ass’n, 283 Cal. Rptr. 53, 59 (Cal. Ct. App. 1991).
Given that Freddie Mac owed no duty to the actual homeowners in considering
whether to forego its rights as a lender, we believe it stands a fortiori that it did not
owe a duty to a prospective purchaser. Nurczewska’s reliance on U.S. Liability
Insurance Co. v. Haidinger-Hayes, 463 P.2d 770 (1970), is unpersuasive because
Freddie Mac is not her fiduciary.
According to counsel, Nurczewska’s requests for a declaratory judgment and
to reinstate the lis pendens are now moot. Therefore, we do not address these
arguments.
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Finally, the district court properly dismissed Nurczewska’s complaint
without leave to amend. Apart from failing to present her proposed amendments to
the district court, we have considered Nurczewska’s proposed amendments and
conclude that they lack merit.
AFFIRMED.
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