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PNC Bank v. Otero

Third District Court of Appeal State of Florida
Jul 10, 2019
277 So. 3d 199 (Fla. Dist. Ct. App. 2019)

Summary

In PNC Bank, N.A. v. Otero, 277 So. 3d 199 (Fla. 3d DCA 2019), the court held that a dismissal without prejudice "does not constitute an adjudication on the merits" and that "following an involuntary dismissal without prejudice 'there [is] no practical purpose in requiring an additional notice [of default].' "

Summary of this case from HSBC Bank SA, N.A. v. Sherman

Opinion

No. 3D18-56

07-10-2019

PNC BANK, N.A., Appellant, v. Gardenia OTERO, et al., Appellees.

McGlinchey Stafford, William L. Grimsley, N. Mark New, II, and Kimberly Held Israel, (Jacksonville), for appellant. Corona Law Firm, P.A., Ricardo M. Corona and Dennis A. Donet, for appellee Gardenia Otero.


McGlinchey Stafford, William L. Grimsley, N. Mark New, II, and Kimberly Held Israel, (Jacksonville), for appellant.

Corona Law Firm, P.A., Ricardo M. Corona and Dennis A. Donet, for appellee Gardenia Otero.

Before FERNANDEZ, LOGUE, and MILLER, JJ.

MILLER, J.

Appellant, PNC Bank, N.A. ("PNC") appeals from an involuntary dismissal entered in favor of appellees, Gardenia Otero and Orlando Otero, following a non-jury trial. After an initial foreclosure action against the Oteros was dismissed without prejudice, PNC filed a second foreclosure action predicated upon the same default. The trial court dismissed the second action, concluding it was barred by the doctrine of res judicata and that the failure of the bank to transmit a new default notice to the Oteros constituted a fatal defect to prosecution.

It is well-established that a "dismissal without prejudice will not support a claim of res judicata," as it does not constitute an adjudication on the merits, and here, the initial order of dismissal specified it was indeed without prejudice. Froman v. Kirland, 753 So. 2d 114, 116 (Fla. 4th DCA 1999) ("One of the requirements for res judicata to apply is that the claim must have been adjudicated on the merits.") (citations omitted). Thus, the trial court erred in concluding the instant action was barred by res judicata. See Fla. R. Civ. P. 1.420(b) ("Unless the court in its order for dismissal otherwise specifies , a dismissal under this subdivision and any dismissal not provided for in this rule, other than a dismissal for lack of jurisdiction or for improper venue or for lack of an indispensable party, operates as an adjudication on the merits.") (emphasis added); see also U.S. Bank Nat'l Ass'n v. Amaya, 254 So. 3d 579, 583 (Fla. 3d DCA 2018) ("Generally, an involuntary dismissal without prejudice does not operate as an adjudication on the merits.") (citation omitted); Drady v. Hillsborough Cty. Aviation Auth., 193 So. 2d 201, 205 (Fla. 2d DCA 1966) ("The dismissal of a cause of action can either be with prejudice, same being an adjudication on the merits, or without prejudice, which is not an adjudication on the merits and is no bar to a subsequent suit on the same cause of action.").

We are cognizant that at the time the learned lower tribunal rendered its ruling in this case, it did not have the benefit of our decision in U.S. Bank National Ass'n v. Amaya, 254 So. 3d 579 (Fla. 3d DCA 2018).
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Further, following an involuntary dismissal without prejudice, "there [is] no practical purpose in requiring an additional notice [of default]," and here, "[t]he mortgage does not require that a new notice of default be sent." Sill v. JPMorgan Chase Bank, Nat'l Ass'n, 182 So. 3d 851, 852-53 (Fla. 4th DCA 2016) ("[As the first complaint was] dismissed without prejudice, ... [the original] notice of default remained valid and a second notice of default was not required before filing the second complaint based on the same default."); see HSBC Bank USA, N.A. v. Leone, 271 So. 3d 172, 176 (Fla. 2d DCA 2019) ("[T]he dismissal was without prejudice and was, therefore, not an adjudication on the merits. As such, the Bank was not required to send a new default notice prior to filing the second foreclosure action, and the trial court erred in concluding otherwise."). Thus, as the Oteros "had not made any payments between receipt of the ... notice of default and the filing of the second complaint. ... [PNC's] notice of default remained valid and a second notice of default was not required before filing the second complaint based on the same default." Sill, 182 So. 3d at 853. Accordingly, we reverse and remand for further proceedings consistent with this opinion.

Reversed.


Summaries of

PNC Bank v. Otero

Third District Court of Appeal State of Florida
Jul 10, 2019
277 So. 3d 199 (Fla. Dist. Ct. App. 2019)

In PNC Bank, N.A. v. Otero, 277 So. 3d 199 (Fla. 3d DCA 2019), the court held that a dismissal without prejudice "does not constitute an adjudication on the merits" and that "following an involuntary dismissal without prejudice 'there [is] no practical purpose in requiring an additional notice [of default].' "

Summary of this case from HSBC Bank SA, N.A. v. Sherman
Case details for

PNC Bank v. Otero

Case Details

Full title:PNC Bank, N.A., Appellant, v. Gardenia Otero, et al., Appellees.

Court:Third District Court of Appeal State of Florida

Date published: Jul 10, 2019

Citations

277 So. 3d 199 (Fla. Dist. Ct. App. 2019)

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