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WATSON v. WELLS FARGO HOME MORTG., INC.

No. SC 93769.

438 S.W.3d 404 (2014)

Shelby E. WATSON, Appellant, v. WELLS FARGO HOME MORTGAGE, INC., et al., Respondents.

Supreme Court of Missouri, En Banc.

August 19, 2014.

Attorney(s) appearing for the Case

Mitchell B. Stoddard , Consumer Law Advocates, St. Louis, for Watson.

David T. Hamilton , John H. Kilper , Hazelwood & Weber LLC, St. Charles, for Wells Fargo and Fannie Mae.

James Layton , Bryan Bear , Attorney General's Office, Jefferson City, for Attorney General.

Dale K. Irwin , Gina Chiala , Slough Connealy Irwin & Madden LLC, Bernard E. Brown , Lee R. Anderson , The Brown Law Firm, Kansas City, for National Consumer Law Center.

MARY R. RUSSELL, Chief Justice.

Shelby Watson appealed from the trial court's judgment in favor of Wells Fargo on her Missouri Merchandising Practices Act (MMPA), section 407.0201 claim, in which she maintained Wells Fargo engaged in bad faith negotiations of a loan modification and wrongfully foreclosed on a deed of trust. The trial court held that since Wells Fargo's actions were not done before or at the time of the extension of credit...

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