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IN THE CIRCUIT COURT OF THE SIXTH JUDICIAL CIRCUIT,


IN AND FOR PINELLAS COUNTY, FLORIDA
CIVIL DIVISION

SUNTRUST MORTGAGE, INC., CASE NO.


09-019041-CI-07

PLAINTIFF,

v.

POLLY ROBERTS,

DEFENDANT.
_________________________________________/

DEFENDANT¶S ANSWER, AFFIRMATIVE DEFENSES, AND MOTION TO DISMISS


PLAINTIFF¶S AMENDED COMPLAINT

COMES NOW c c c


c
 c c c c c

cccc !"#c$c#%& cc'ccc(cc

!&# c !))% !%*c )& c !&c


%
&c 
c % %c !%&%))+c

! &c(
!%&cc,cc,c c'cc c-$-./ c-$-0/1 c

c-$--/c)$c $c(,$c $ cc'cc2 ccc''cc3c

DEFENDANT¶S ANSWER AND AFFIRMATIVE DEFENSES TO PLAINTIFF¶S


AMENDED COMPLAINT

-$c !4$c

5$c $c

6$c !4$c

0$c #c72ccc$c

8$c !4$c

1$c #c72ccc$c

9$c #c72ccc$c

c
c

:$c #c72ccc$c

.$c #c72ccc$c

-/$c#c72ccc$c

--$c#c72ccc$c

-5$c#c72ccc$c

-6$c#c72ccc$c

-0$c#c72ccc$c

-8$c#c72ccc$c

-1$c!4$c

-9$c!4cccc'c,$c

-:$c#c72ccc$c

-.$c#c72ccc$c

5/$c#c72ccc$c

5-$c#c72ccc$c c

55$c#c72ccc$c

DEFENDANT¶S AFFIRMATIVE DEFENSE I

c #ccccccc!4c(4' cc +c4cccc

2c c c ' c c c c 4c &c c c c +c !4c

(4'c c c c c 4c 2c 4c c )$c $c ;196$-/0--c 5//1$c c

' cc&3c-c',cccccc9 cc!<c5c c cc

cc=>ccc4ccc4ccc44<cc6ccc?c

c  c 4c cc c c '4c c 'c c >c 4c $c c (@ c c 2c

,cc4 ccccc)$c$c;196cï ïc5//1 ccc''cc

c
c

c&$c c ›ïïcAc c!'c('$c,$c"c!c(cBc" c%$ cc

$ c.66c$c5c60c)$c5c(!c5//1<c#c)c7 c&!c,$c('cC$c( cc$ c

(c&$c8-=5//.=(!=18/.=#DAc1C$($ $($c/5D55D5/-/cc $c  cC$c

DEFENDANT¶S AFFIRMATIVE DEFENSE II

c #ccccccc!4c(4' cc +c4cccc

2ccc' ccc +c!4c(4' c2c2ccccc c

-/ c 5/-/ c c ,c c c c c c  c 4 c c c 2c 43c

c'cc'? c%ccc%c,ccc ccccccc

ccccccc4c72cc$c c ccc,ccc,c)$c

$c (,$c $c -$--/c 2c @c c c 4'c 2c 'c c c c

c''ccc)c-- c5/-/cc,$c c

DEFENDANT¶S AFFIRMATIVE DEFENSE III

c #ccccccc!4c(4' cc +c4cccc

2c c c ' c c c c c c 4'c 2c c  c 4c

4 c c c c ',c c ,c @4c c c c c

)c2$c

DEFENDANT¶S MOTION TO DISMISS


PLAINTIFF¶S AMENDED COMPLAINT

STANDARD OF REVIEW

-$c %cccc+c4cc4 ccccc4cccccc c

c(4' ccc4c'cccccc(4'cc$c›ïïc Ec 7c

)c $c &c A' c %$c ,$c "c ( c 99.c $5c 6:/ c 6:6c )$c 5c

(!c 5///$c "2, c >c c c c (4'c c c 'c c c (4'$c c ›ïïc

c,$c(cc  c.0.c$5c5.8c)c6c(!c5//9c2ccc4c

c
c

c4 ccccc@cccc>cc cc'ccc

'$c c ›ïïc"c ''cBc!$ c%$c,$c  c509c$5c961c)$c6c(!c

-.9-cc FGccc 4cc4cccc2c@ccc

c>c$c$c$cccc'ccc4c4'cc@c)c

cc(,c c-$-6/ c',ccFGc>cccc'ccc

cc'cccc''$c c !c cc>cccc(4'ccc

'c c c (4'c c 4c c c 2c c c c 4c c 4$c c

(c >c c c c (4'c c c ,c c c c $c c

) c>cccc(4'c 4cc2ccccc(4' c

c2cc2ccc cc>c$c›ïï cAcA$c%$c($c*$cA c

:0.c$5c--.1c)$c0c(!c5//6ccAc,$c c)$c" c%$c108c$5c

0./ c 0.0c )$c 6c (!c -..0c 2c >c c 4'c  c 'c

4c c >c $c "c ''c Bc !c *$c  c 509c $5c 961c )$c

6c(!c-.9-ccïïc"c!''c$c*$c"c  c6:-c$5c5.0c)$c-c(!c

-.:/$c

LEGAL MEMORANDUM IN SUPPORT OF DEFENDANT¶S MOTION

I. The Plaintiff¶s Complaint Should be Dismissed for Failure to State a Cause of


Action Because the Alleged Note in Question is Not a Negotiable Instrument

a. Legal Standards

c )$c $c (,$c $c -$-0/1c ', c c 'c' cc c 2c c 4c

c4cc4ccc'ccc'Hcccccc$c c %ccc

c 4c c 4c c c c c c c c  c c c c 4c 4c c c

ccc4'ccccc2cc c2cccc$c c

(4c,$c I c% cAcBc c $!$ c.85c$5c-596c)$c5c(!c

c
c

5//9$c c &, ccccccc ,2c c


 c>cc

c c +c 4'c c 'c c c 4' c c 2c c c 4c c c

4'cccc2cc>c cc>c$c

5$c ,c4ccc4'cc2c4cJccc4ccc c

4c4$c c &c4c2c4cc4c4cc4ccccc

c 4 cc c 4c c c c c c $c c c ,$c c ,$c %$ c 6-6c

$c 5c 99c )$c -c (! c -.98<c 'c ,$c ' c 055c $c 5c .-/c )$c 6c (!c -.:5<c

2Ec,$cc '$ c00-c$c5c--50c)$c6c(!c-.:6<c ! &c"% c


)c


  c 
A!Ac ;c 8$0c-..9$c c c c '4c c c ,c c c '4c

4c$c c c4cccc4cccc$c c 2c,$c c1c)$c

90-c-:81<cc,$c!4c&+c7 c89c$c19:c)$c-.-5<cc,$c c8:c$c6/c

)$c -.-5<c c ,$c * c -8/c $c 150c)$c -.66<c4c ,$c "4 c 886c$c 5c -581c

)$c8c(!c-.:.<c ! &c"% c


)c
  c
A!Ac;c-$/-c-..9c c c

c4c4ccccccc$c c Ac,$c $"$($c c($ c

590c $c 5c 5-c )$c 0c (!c -.96<c c ,$c A c 18:c $c 5c --15c )$c 5c (!c -..8<c

(c A'c %$c ,$c 4c )$c ,c c $c $ c 950c $c 5c 11-c )$c 5c (!c -...$c c

) c c c 4c c  c c c c @c c c 'c c c

'4ccc,ccc>'ccc+ccc'cc'ccc

c$c c ›ïïc2c,$c)c&c 7cc 7c( c:-c$c5c0:1c)$c-.88<c

)c ,$c 7c 'c  c 869c $c 5c ---6c )$c 6c (!c -.:.<c =c

,'4 c %$c ,$c ,c !'4 c $$ c %$  8.1c $c 5c 851c )$c 6c (!c -..5<c

&c c%, c $ $c,$cC4c ! c919c$c5c80. c88-c)$c6c(!c5///<c

cc7ccc($c,$c  c:8-c$5c9./ c9.-c)$c0c(!c5//6$c c c

c
c

6$c %cc4cc cccc@ccc'ccc c

'4ccc,ccc>'ccc+ccc'cc'ccc

c$c c ›ïïc2c,$c)c&c 7cc 7c( c:-c$c5c0:1c)$c-.88<c

)c ,$c 7c 'c  c 869c $c 5c ---6c )$c 6c (!c -.:.<c =c

,'4 c %$c ,$c ,c !'4 c $$ c %$  8.1c $c 5c 851c )$c 6c (!c -..5<c

&c c%, c $ $c,$cC4c ! c919c$c5c80. c88-c)$c6c(!c5///<c

cc7ccc($c,$c  c:8-c$5c9./ c9.-c)$c0c(!c5//6$c c #cc

c c c c 'c c c '4c c c c c c c c c

 c c 4c 4'c c c c c c c c ',c c c )$c

$c;196$6/.-$c c "2, cc4c44cc)$c$c;196$6/.-cc>'c

,c c c 4c c c 4c 72c c c 4$c c c > c

;196$6/.-c ',c c c 'c c c 'c c c 4c c c c cc

4c c c 4c c c 'c 4<c c  c 2, c

4cccccc4c'cc)$c$c;196$-/0--$c c  c

cccc cc,7cc4c'2cc;196$6/.- cc4ccccc

cc4$c

c #c'ccc4 c)cccccc4cc)$c

$c;196$-/0-c5//1 c2c', cc'c'3c

c4cc4c4ccc'4cccc'c
a fixed amount of money c2cc2ccccccc
c'4cc cc3c
c
(c) Does not state any other undertaking or instruction by the
person promising or ordering payment to do any act in addition
to the payment of money ccc'4ccc4c3c
c
-$c !c 7c c '2c c , c 4 c c 'c
ccc'4<c

c
c

5$c !c Ec c '2c c c c c c
?4ccEccc'cc<cc
6$c !c 2,c c c c c c 2c c c c
,c c 'c c c $c c ˜  ï 
 ï $c
c
0$c )4 ccc2cccccccc=ccc c

c c 4c c c 4' c  c  c c ?c c c

$c c !c 4c 2c ,c  c Kc 4c c c c 2c $+c c Ac

c!'c('$c,$c"c!c(cBc" c%$ c.66c$c5c60 c69c)$c5c

(!c5//1c@c c,$c)2 c-/9c$c660 c668c-.51$c c %ccAc c c

c 4c c 4'c c c 4c c c 4c c 4c c

cccc4cc4cccc %($c c cc

c c c %(c 2c  c c 4c c c %(c c c c c

c c c c 'c '4c '4c c c c c '4c c

4,c c c c c 4c c c c ;196$-/0--c ,$c c

' c c &c c c c c c @c c c c 4c c c &c

',ccc&)cccc$c

8$c %ccccc''c cccc2ccccc'c c

cc  c and in this circuit c 2c ,c c c c ''c c &c c c c

c4c2ccc&)c cc cccccc2c

c =>c c 4c c c 'c $c c %c #c )c 7 c &!c ,$c

('c C$c ( c c $ c (c &$c 8-=5//.=(!=18/.=#DAc 1C$($ $($c

/5D55D5/-/c c $c  c C c Cc c GRANTED c +c c c

4cc +c)c(4'cFGccAc c!'c('$ c

c &c c c c ',c c &)c c c c $c c %c  c c c ',c

c
c

c c 2c c =>c c 4c c c 'c $c c

Consequently, the law concerning the transfer of negotiable instruments«does not apply to

this Note.c c ˜ ï  ï $c

1$c c''cc,cccc2cc c&ccccc c

c'4cc'cc>c4 cc&ccccc4$c c %c&c,$c

( c 9:5c $c 5c 061c )$c 8c (!c 5//- c c )c c c c c c c c

4cc c c c c L(( c c 4c c c c '4c c 'c c

4cc@cLc&+c7cc 4c,$c!'c Ec $c +' c869c$c5c1/: c

1/.c)$c6c(!c-.::$c c cc4ccccc',ccc>c''c

4 ccccccccccc4ccc;196cï ïcc

''$c c %cc06.$c c , cc"c"c! c $c,$c(c7ccA, c6-0c$c

5c 5/. c 5--c )$c 5c (!c -.98 c c c c c c c c 4c c c

@c 'c c 4c c c '=4c 4c c c c c c

c '4c c 'c c @c c ;196c ï  ïc c c 2c c c c

4$c

b. Argument

9$c " c2cc c4'cc,7cc4c'2cc;196$6/.- cc c

''c 4c &c c @c c c c c 4$c c c ' c

4c &c c c c +c !4c (4'3c -c ',c c c c c

c 9 c c !<c 5c c c c c =>c c c 4c c c

4ccc44<cc6ccc?cc c4ccccc'4cc'c

c>c4c$c c c

:$c c9 cc! cc c(cc


,c 4c',cc c

c
c

FGcc&c"ccc,ccc4ccc4c'4ccccc-8c

c c c c c c c  c Ëthe Defendant] will pay a late charge to the Note

Holder$c c c 4c c c c 2c c 8$///Mc c 4c ,c '4c c ''c c

$c c %c 2c 'c c c c '4'c c c c c c c '4$c c ˜ 

ï  ï $c c ccccccccccc2cccc

c 4c c ;196$-/0--$c c , c c c c c c c c

>c'4c c4cccc c 4c ccc c

ccccc($c

.$c cc2ccc=>ccc4ccc4c c

c c !44c c !?c c &c c c c +c !4c (4'$c c

c 44c 4c c c c c c ''c c c 8 c c

2+c c c '$c c c =>c c c 4c c c c c

4ccc=>cc2c2c'c cc 4c&ccc#c

)c c c Cc  c (c Cc c ($c c c (c c 2c Cc

c c c c c c 'c c c =>c @c c ''c &c c

@c4cc4c$c

-/$cc''c&cc@ccc!?c c& c2c4ccc c

cccccc?cc$c c c'ccc'ccc&c

c c 0 c c %c c c c 4c ($c c c !c c c

ccFGccc%c2c'cmay change cc-ccc  c5/-/cccc

c ,c -5c 4c $c c c c c 2c 4c c c c c c c c

(c $c c ˜  ï   ï $c c c c c c c c c c c c

3ccccc4cc2cc2cc@cc'$c c cc

c
c

&cc?cc ccccc'4cc'cc>c4ccc@cc;196$-/0-c

c cc ccc 4cccc ccccc"c

!c c c )c (c c &$c c ) c c c c c 'c 4c c

4c '2c c ;196$6/.- c (c %c c c (4' c 2c 'c c c c

+c c '' c c 4,c 2c c c c c c &c c $c c

" cc ccc,cc&ccccccc>'ccc

c c 'cc &$c c  cc c c 'c 4c c c c c

c+cc''$c

WHEREFORE ccc cccccccc'c2cc

c cc2cc cccc(4'ccccc cc) cc

cc4cc4$c

II. The Plaintiff¶s Complaint Should be Dismissed for Failure to Attach a Verified
Complaint

a. Legal Standards
c
--$c)$c $c(,$c $c-$05/c', cc'c' ccFGc'c4c4,cc c

4ccccccc4ccc'ccccc,c'cc4'c

2ccccccc$c c  cc?4c2cccc4'c2cc

)c cc(,c cccc,$c

-5$cc)c(c,cc)c'4c(c4'ccc c

'4cccc)c cc(,c $c c ' c!c* cc5c

c c )c (c ',c c FGc '4c c c 'cc cc 'c

c 'c c c c c c 4c c 7c ''c ,2 c c 4,c

',ccc cccccc,c?ccc'c2cc

?c c c c c c 4',c ,7 c c c @4c c c c

c
c

cc4ccc4''c4ccc$c c ›ïï=& c%$c,$c

Ac)c c($cc 4c&2 c-19c$5c56/c6c(!c-.10c'4c(c

c ,c 2c c c c '4 c c c 4c c )c c c (,c

 c 2c 4c ,c c c c '4c ( c  ï  ï c -90c

$5c68<cc,$c c6/5c$5c9:5c6c(!-.90ccccc'4cc

c'4c(cc )cc c'ccc c''c<cc,$c  c

5.6c $5c 6.-c 5c (!c -.90c '4c (c c c c 'c cc c ,c 4c c

2c'$c

-6$c
c)c-- c5/-/ccc)c'4c(c4c)$c $c(,$c $c-$--/c

cc c

F2Gcccc cccc4cccc''c
the complaint shall be verified$c c #c ,c c c 4c c @ c
c4cccc c4 ccc2c43cLc
'cc'? c%ccc%c,ccc ccc cc
c c c c c c c c c 4c 72c c $c c Y 
 ï $c
c
 c c 4c c c c c )c -- c 5/-/c 4c c ,$c c c

'4c(ccc

FGc '4c ''c c c 44c 3c -c c ',c ,c c c
'cc'''c ,cc,c c2'cccccc
ccccccccc cc4'cc<c
5c c ,c ?c c c c c c 2c c
'''c 'c c c c c c <c 6c c
',c c 2c c ?c c c 4c c c c 4c
c c c 'c c c c c c <c c 0c c ,c c
c c c c c 'c 2c 47c c $c c %c 3c
!44c cc )c c c (,c  c &$c (/.=-89. c )$c -- c
5/-/$c
c
c )4 c)$c$c;.5$858c',cc c
c
-c c #c c c Ec c @c c 2 c c c c c 4,c
 cccccccccc4cc,cc c' cc

c
c

,c4cc4'ccc2c43c c
c
c c Lc c c 4c 7c c 4c c c c
Ecc$c.5$8/cc4c<cc c
c
c c c c c c c 2c c 'c c c
5$c c
c
5c c !c 2c c 4c c 2c 43c Lc 'c c
'? c %c c c %c ,c c c c F4Gc c c c c
c c c c  c 2c c c c c c 'c 47c c
 c >'c 2c c ,c c 4c c c c '4c c
2 c c 2c c c 2c cc cc 4c 72c c c 4c c
$c c 2c c c c 'c c 'c c c c c c
44c 2c c 4c c ,c c ,c c c c c
'c47cc$c
c
›ïïc c,$c c)c c% c $ $ c196c$c5c:0c)$c0c(!c-..1$c c c
c
-6$c) c2cccc cc(,c cc'',ccc c c

'c',c2$c c E= Ec,$c E= E c181c$5c08: c01/c)$-..8$c c

)4 c)$c $c(,$c $c-$-./c',ccF2Gcc4cccccc

4c'ccccc c cccccc4'cc

cccccc' cc44ccc7ccccccc

'$c c &, cc4c4'cc7ccccc4cc4cc

$c c ›ïï c Bc ($ c%$c ,$c #4 c 980c $5c 19-c )$c 5///$c c %c  cc )c

'4c(ccc2cc-$-./c2ccc7ccc4c4'c

cccccc4'c2cc4c cc4c4'ccccc

4c  c  c c c c c c c c ' c c c 7c

'c cc 4c c c Ecc c c @c 4c 4'c

7cccc' cwith the ³original pleading´ being the motion to amend$c c %cc

1:/$c c ˜  ï   ï $c c  c c c 4c c 4c c c c c c ,c cc

cc(,c ccc ccc4c4'cc7cccc

c
c

cc4cc4ccc?ccc,c',ccc cc(,c cc

@$c

b. Argument

-0$c" cc cccccc,c4'$c c cccccc c

cccc''c2c2cc2cc ccc!4c

(4'cccc c-/ c5/-/ccc@c4c2ccccc

,c)c cc(,c $c c &, cc +c!4c(4'cc

c c c  c 4 c c c ,c 4c c @c c )$c $c (,$c $c

-$--/$c c cc +c(4'c cccccc cc +c

(4'c c c ''c ,c c c )c '4c (c c c 44c c

c -$--/$c c )4 c c c c 7c c 2c c c 7c c

cc!4c(4'cc7ccc cc!4 c2c2ccccc

c c-/ c5/-/$ccc +c cc!4c2cc@ccc)c

'4c (+c ,c c )$c $c (,$c $c -$--/ c c +c !4c (4'c c

?ccc ,c ',c 2c @c 4'c @c c c c

c''cc,$c

WHEREFORE ccc c c ccc c ,c4' cc c

c4cc4$c

CERTIFICATE OF SERVICE

c %c"  c( %) cccccc'cccccccc

L$$c cccNNNNccc  c5/-/ccCL %c!&"


L% c %!&c"L  c!&c


&! c $c  % ! c )c c 2c A' c $ $ c $
$c >c 58/-: c 4' c ) c

66155=8/-:$c

c
c

c c c c c c c c c
c
3NNNNNNNNNNNNNNNNNNNNNNNNNNc
c c c c c c c c c c c c c c c !"#c$c#%& c
c c c c c c c c c c c c c c c !ccc
c c c c c c c c c c c c c c c -55.c(c!,c
c c c c c c c c c c c c c c c $c  c) c669/8c
c c c c c c c c c c c c c c c 959c:.0=6-8.c
c c c c c c c c c c c c c c c )&3c/-:8.89c