Edwards & Jones v. Wilmington Savings Fund Society, FSB

Summary

The court affirmed dismissal of both appellants' counterclaims and summary judgment for Wilmington in the judicial foreclosure action. Ms. Edwards failed to plead that Wilmington was a CPPA merchant or that she relied on an allegedly inaccurate default notice, while Ms. Jones failed to plead particularized, justifiable reliance on a supposed settlement representation. The court also held that Ms. Jones's later-acquired property interest remained subject to Wilmington's prior mortgage and that her unpreserved arguments were forfeited.