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POKU v. FRIEDMAN

No. 50, Sept. Term, 2007.

939 A.2d 185 (2008)

403 Md. 47

Richard Atta POKU v. Alvin E. FRIEDMAN et al.

Court of Appeals of Maryland.

January 10, 2008.

Attorney(s) appearing for the Case

Scott C. Borison (Legg Law Firm, LLC, Frederick, Peter A. Holland, Benjamin C. Carney, The Holland Law Firm, P.C., Annapolis), on brief, for petitioner.

Kenneth J. MacFadyen (Friedman & MacFadyen, P.A., Baltimore, Robert H. Hillman, Magazine & Hillman, P.C., Rockville), on brief, for respondents.

Phillip Robinson, Civil Justice, Inc., Baltimore, amici curiae.

Argued before BELL, C.J., RAKER, HARRELL, BATTAGLIA, GREENE, ALAN M. WILNER, (retired, specially assigned) DALE R. CATHELL, (retired, specially assigned), JJ.

CATHELL, J.

In October of 2000, Richard Atta Poku, petitioner, executed a Deed of Trust encumbering property in Howard County Maryland. By assignments and merger the secured party became Washington Mutual Bank, a federal savings association. Thereafter, petitioner refinanced the indebtedness five separate times with three different lending institutions, including an entity known as Washington Mutual Home Loans, Inc. (apparently a different institution

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