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THE PLAINTIFF IN THIS FORECLOSURE ACTION DID NOT DEMONSTRATE THE INTEREST CALCULATION WAS DONE USING THE METHOD REQUIRED BY THE NOTE AND THE RELEVANT BUSINESS RECORDS WERE NOT SUBMITTED; THE REFEREE’S REPORT SHOULD NOT HAVE BEEN CONFIRMED (SECOND DEPT).

The Second Department, reversing Supreme Court, determined the referee’s report in this foreclosure action should not have been confirmed. There was no evidence the interest calculation was done in the manner required by the note and the relevant business records were not submitted:

… Supreme Court should have denied the plaintiff’s motion to confirm the referee’s report and for a judgment of foreclosure and sale because the plaintiff failed to present evidence that the interest on the loan was calculated using the method set forth in the note, and the referee’s computations, including the amount due and owing and payments for taxes, insurance, and other advances, were premised upon unproduced business records … . Bank of N.Y. Mellon v Singh, 2022 NY Slip Op 03221, Second Dept 5-18-22

Practice Point: In a foreclosure action, the interest must be calculated using the method required by the note, and any relevant business records must be produced in order to warrant confirmation of the referee’s report.

 

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