BLUE CASTLE (CAYMAN) LTD., Plaintiff, v. MOUSSA TAWIL a/k/a MORRIS TAWIL; SOUFIA TAWIL a/k/a SOFIA TAWIL; CITY OF NEW YORK DEPARTMENT OF TRANSPORTATION, PARKING VIOLATIONS BUREAU; “JOHN DOE” and “JANE DOE,” the last two names being fictitious, said parties intended being tenants or occupants, if any, having or claiming an interest in, or lien upon, the premises described in the Complaint, Defendants.
24-CV-1082 (MKB)
UNITED STATES DISTRICT COURT EASTERN DISTRICT OF NEW YORK
August 28, 2025
MARGO K. BRODIE, United States District Judge
Case 1:24-cv-01082-MKB-MMH Document 28 Filed 08/28/25 Page 1 of 13 PageID #: 432
MEMORANDUM & ORDER
MARGO K. BRODIE, United States District Judge:
Plaintiff Blue Castle (Cayman) Ltd. (“Blue Castle“) commenced the above-captioned action on February 12, 2024 against Moussa Tawil also known as Morris Tawil (“Moussa Tawil“), Soufia Tawil also known as Sofia Tawil (“Soufia Tawil“), City of New York Department of Transportation, Parking Violations Bureau (“DOT“), and “John Doe” and “Jane Doe” (collectively, the “Defendants“). (Compl., Docket Entry No. 1.) Plaintiff brings this mortgage foreclosure action pursuant to New York Real Property Actions and Proceedings Law
I. Background
The following facts are undisputed.2
a. Factual background
Plaintiff is a corporation organized under the laws of the Cayman Islands with a principal place of business in Florida. (Pl.‘s 56.1 ¶ 1.) Moussa Tawil and Soufia Tawil are individuals who are citizens of New York. (Id. ¶ 2.)
On September 27, 2021, Moussa Tawil took out a $2,000,000 loan and executed a promissory note (the “Note“) in favor of Quontic Bank. (Id. ¶ 3; see Note, annexed to Compl. as Ex. B, Docket Entry No. 1-2.) Moussa Tawil and Soufia Tawil “collaterally secure[d] the... loan” by executing a mortgage (the “Mortgage“) encumbering the property located at 2208 East 5th Street, Brooklyn, New York (the “Property“) in favor of Quontic Bank. (Pl.‘s 56.1 ¶ 4; see Mortgage, annexed to Compl. as Ex. C, Docket Entry No. 1-3.) The Note and Mortgage were assigned to Plaintiff on October 2, 2023, and recorded on October 10, 2023 in the King‘s County Office of the City Register. (Pl.‘s 56.1 ¶ 5; Assignments of Mortgage, annexed to Compl. as Ex. D, Docket Entry No. 1-4.)
On October 4, 2023, Plaintiff mailed notices of default required under
Plaintiff commenced this action on February 12, 2024, and was the owner and holder of, and in physical possession of, the Note and Mortgage at that time. (Pl.‘s 56.1 ¶¶ 11–12.) On March 18, 2024, Moussa Tawil and Soufia Tawil filed an answer asserting nine affirmative defenses. (Id. ¶ 14; Answer, Docket Entry No. 12)
b. Procedural background
Plaintiff moved for summary judgment on March 6, 2025, (see Pl.‘s Mot.), and filed a letter informing the Court that Defendants “did not file or otherwise serve Plaintiff with their opposition, and no request for any further adjournments was made,” (Ltr. of Shachar Hadar (“Hadar Ltr.“), dated March 6, 2025, Docket Entry No. 27). On March 7, 2025, the Court
The Court has fully considered the parties’ submissions and decides this motion based on the uncontroverted facts set forth in Plaintiff‘s Rule 56.1 statement which are fully supported by the accompanying affidavit and exhibits.
II. Discussion
a. Standard of review
Summary judgment is proper only when “there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law.”
b. Plaintiff satisfied the common law elements for a foreclosure action but failed to fulfill the statutory requirements under Article 13 of the RPAPL
Plaintiff argues that (1) it has established the common law elements required for prima facie entitlement to a foreclosure judgment and (2) Defendant‘s affirmative defenses lack merit. (Pl.‘s Mem. 5–13.) In support, Plaintiff contends that it has submitted the documents that establish “the existence of an obligation and a default” and that “Defendants’ Answer is
“To prevail in a mortgage foreclosure action under New York law, the plaintiff must satisfy the common law elements and the statutory requirements set forth in Article 13 of the [RPAPL].” Freedom Mortg. Corp. v. Petriello, No. 22-CV-7310, 2025 WL 1726320, at *8 (E.D.N.Y. June 20, 2025) (alteration in original) (quoting Wilmington Sav. Fund Soc‘y, FSB v. Fernandez, 712 F. Supp. 3d 324, 332 (E.D.N.Y. 2024)); see OneWest Bank, N.A. v. Conklin, 310 F.R.D. 40, 44 (N.D.N.Y. 2015) (explaining that “mortgage foreclosure actions are governed by Article 13 of the [RPAPL]” in addition to the common law elements).
“In a foreclosure action under New York law, a plaintiff establishes its prima facie entitlement to summary judgment by producing evidence of the mortgage, the unpaid note, and the defendant‘s default.” Windward Bora LLC v. Mohamed, No. 24-437, 2025 WL 88422, at *2 (2d Cir. Jan. 14, 2025) (citing Gustavia Home, LLC v. Rutty, 720 F. App‘x 27, 28 (2d Cir. 2017)); CIT Bank N.A. v. Donovan, 856 F. App‘x 335, 336 (2d Cir. 2021) (first citing Wells Fargo Bank, N.A. v. Walker, 35 N.Y.S.3d 591, 592 (App. Div. 2016); and then citing R.B. Ventures, Ltd. v. Shane, 112 F.3d 54, 59 n.2 (2d Cir. 1997)) (quoting) (similar); see also Gustavia Home, LLC v. Rutty, 785 F. App‘x 11, 14 (2d Cir. 2019) (similar); U.S. Bank, N.A. v. Squadron VCD, LLC, 504 F. App‘x 30, 32 (2d Cir. 2012) (“In a mortgage foreclosure action under New York law, a lender must prove (1) the existence of a debt, (2) secured by a mortgage, and (3) a default on that debt“) (first citing R.B. Ventures, 112 F.3d at 59 n.2; and then citing United States v. Freidus, 769 F. Supp. 1266, 1277 (S.D.N.Y. 1991))). “If the plaintiff establishes a prima facie case, ‘[t]he burden then shifts to the defendant to demonstrate the existence of a triable issue of fact as to a bona fide defense to the action, such as waiver, estoppel, bad faith, fraud, or oppressive or unconscionable conduct on the part of the plaintiff.‘” CIT Bank N.A., 856 F. App‘x at 336-37 (alteration in original) (quoting Capstone Bus. Credit, LLC v. Imperia Fam. Realty, LLC, 895 N.Y.S.2d 199, 201 (App. Div. 2010)); Rutty, 785 F. App‘x at 14 (same); Golden Bridge LLC v. 150-30 Ave Realty LLC, No. 23-CV-9045, 2025 WL 1548859, at *4 (E.D.N.Y. May 30, 2025) (“Once a plaintiff mortgagee in a foreclosure action has established a prima facie case, it has a presumptive right to foreclose that can only be overcome by an affirmative showing by the mortgagor . . . of a triable issue of fact as to a bona fide defense to the action, such as waiver, estoppel, bad faith, fraud, or oppressive or unconscionable conduct on the part of the plaintiff.” (citations and brackets omitted)).
“To succeed on summary judgment in a New York residential foreclosure action, a plaintiff must establish not only a mortgage, a note, and proof of default, but also compliance with RPAPL‘s notice requirements.” CIT Bank, N.A. v. Anderson, No. 16-CV-1712, 2019 WL 3842922, at *1 (E.D.N.Y. Aug. 14, 2019) (citing United States v. Starr, No. 16-CV-1431, 2017 WL 4402573, at *2–3 (S.D.N.Y. Sept. 29, 2017)). Article 13 requires the plaintiff in a residential foreclosure action to: (1) serve a specific notice on the defendants along with the summons and complaint, see
i. Common law elements
Plaintiff has satisfied the required common law elements. Plaintiff has provided evidence of the unpaid Note and Mortgage by submitting a copy of each. (See Note; Mortgage.) Plaintiff has also provided evidence of Moussa Tawil‘s default. (See Ramer Aff.) John Ramer, a default loan analyst at Blue Castle, affirms that, based on his review of the business records associated with the Property, Moussa Tawil “breached his obligations under the Note . . . by failing to pay the regular monthly payment, which came due on August 1, 2022, and all subsequent payments.”
ii. Statutory requirements
Plaintiff has complied with some, but not all, of the statutory requirements set forth in Article 13 of the RPAPL for a foreclosure judgment. First, Plaintiff complied with
Second, on October 4, 2023, Plaintiff satisfied the
Third, Plaintiff made the required filing pursuant to
However, Plaintiff has failed to establish its compliance with
Moreover, Plaintiff failed to provide evidence of its compliance with
Summary judgment is inappropriate because of Plaintiff‘s failure to comply with all the RPAPL notice requirements when it failed to submit proof that (1) it served a special summons to Moussa Tawil and Soufia Tawil and (2) it filed a notice of pendency with the clerk‘s office. See Anderson, 2019 WL 3842922, at *3–4 (denying the plaintiff‘s motion for summary judgment because the plaintiff “ha[d] not established its prima facie compliance with the [all the RPAPL requirements]“); Wilmington Sav. Fund Soc‘y, FSB v. White, No. 17-CV-2288, 2019 WL 4014842, at *6 (E.D.N.Y. May 28, 2019) (denying the plaintiff‘s motion for summary judgment because “[a] foreclosing mortgagee that does not clearly establish compliance with RPAPL‘s notice requirements ‘fail[s] to meet its prima facie burden of establishing its entitlement to judgment as a matter of law‘” (second alteration in original) (internal quotation marks omitted) (quoting Starr, 2017 WL 4402573, at *4)), report and recommendation adopted, 2021 WL 2548971 (E.D.N.Y. June 22, 2021).
III. Conclusion
For the foregoing reasons, the Court denies Plaintiff‘s motion for summary judgment.
Dated: August 28, 2025
Brooklyn, New York
SO ORDERED:
s/ MKB
MARGO K. BRODIE
United States District Judge
