HSBC Bank USA v. Cook
178 So. 3d 548
Fla. Dist. Ct. App.
2015
Check Treatment
PER CURIAM.

The order on appeal in this case dismisses, without prejudice, the mortgage foreclosure action HSBC Bank'USA (“HSBC*) filed against Elmer Cook, II (“Cook”) on February 8, 2010. HSBC asks us to reverse the order, arguing that the trial court failed. to consider the factors set forth in Kozel v. Ostendorf, 629 So.2d 817 (Fla.1993). We affirm .because HSBC has failed to provide this court with a transcript of the hearing during which the trial court • considered -whether there were grounds for dismissal. As reflected in the order on appeal, HSBC “failed to present any .evidence or to have a court reporter present” at the hearing. Without a hearing transcript, the record on appeal is not sufficient to demonstrate reversible error. See Applegate v. Barnett Bank of Tallahassee, 377 So.2d 1150, 1152 (Fla.1979). In any event, the order on appeal details nearly three years’ worth of continuances, delays and unexplained inactivity by HSBC in response to Cook’s June 2011 motion to dismiss, and reflects that the court considered the totality of circumstances before dismissing the foreclosure action without prejudice. Thus, while Ko-zel is not specifically cited in the order, it appears the court conducted the necessary inquiry into whether dismissal was justified. Cf. BAC Home Loans Serv., L.P. v. Ellison, 141 So.3d 1290, 1291 (Fla. 1st DCA 2014) (reversing order dismissing foreclosure action without prejudice for counsel’s failure to appear at hearing where court failed to hold hearing to determine whether counsel acted willfully and failed to consider Kozel factors before dismissing action).

AFFIRMED. .

LEWIS, MARSTILLER and ■ OSTERHAUS, JJ., concur..