Filing # 52644701 E-Filed 02/17/2017 11:45:32 AM

IN THE CIRCUIT COURT OF THE

FIFTEENTH JUDICIAL CIRCUIT, IN AND
FOR PALM BEACH COUNTY, FLORIDA
CASE NO. 502014CA013725XXXXMB

HSBC BANK USA, NATIONAL ASSOCIATION, AS

TRUSTEE FOR GSAA HOME EQUITY TRUST 2005-
15, ASSET-BACKED CERTIFICATES SERIES 2005-15

Plaintiff,
vs.
THOMAS C. D'ALESSANDRO, JR.; BERNADETTE

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D'ALESSANDRO, ET AL.
Defendants
______________________ /

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PLAINTIFF’S AMENDED MOTION TO STRIKE DEFENDANT’S EXPERT WITNESS

Plaintiff, by and through undersigned counsel, and pursuant to section 90.702, Florida Statutes,

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hereby files this, its Motion to Strike Defendant’s Expert Witness, and in support thereof states as

follows:
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STATEMENT OF FACTS
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1. On August 30, 2016, this Court entered an Order Denying Motion for Summary

Judgment and Setting Residential Foreclosure Case for Non-Jury Trial and Directing Pretrial and Loan
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Modification Procedures, thereby scheduling this case for trial for the trial docket between January 2,

2017 and March 3, 2017, with call of the calendar scheduled for December 16, 2016. A copy of the Order
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is attached hereto as Exhibit “A.”

2. Pursuant to the aforementioned Order, the parties were required to identify expert
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witnesses no later than sixty (60) days prior to calendar call; to wit, October 17, 2016.
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3. No later than thirty (30) days prior to calendar call, any party intending to call an expert

witness was required to provide: the subject matter about which the expert is expected to testify; the

substance of the facts and opinions to which the expert is expected to testify; a summary of the grounds

for each opinion; a copy of any written reports issued by the expert regarding this case; and a copy of the

experts curriculum vitae.

OC0562-14/ws

FILED: PALM BEACH COUNTY, FL, SHARON R. BOCK, CLERK, 02/17/2017 11:45:32 AM
 4. Defendant failed to identify William McCaffrey as an expert they intend to call at trial,

until December 13, 2016, when the parties were attempting to finalize their Joint Pre-Trial Stipulation.

5. Defendants did not file their Exhibit and Witness List until December 13, 2016, three

days before calendar call. A copy of Defendants’ Exhibit and Witness List is attached hereto as Exhibit

“B.”

6. Defendants have failed to indicate a valid foundation for the Witness’ testimony or any

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sound basis for designating the Witness as an expert.

7. Instead, in the Joint Pre-Trial Stipulation, Defendant refers Plaintiff and this Court to the

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Affidavit previously submitted in opposition to Summary Judgment Motion of Mr. McCaffrey. A copy of

the Joint-Pre Trial Stipulation is attached hereto as Exhibit “C.”

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8. Although Defendant presented a copy of William McCaffrey’s Affidavit to the Court at
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the hearing on Plaintiffs Motion for Summary Judgment, upon information and belief, it was not filed
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with the Court nor provided to Plaintiffs counsel until December 13,2016, when Defendants filed the
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Affidavit of William McCaffrey. A copy of Defendants’ Filing of Affidavit of William McCaffrey is

attached hereto as Exhibit “D.”

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9. Notwithstanding the untimeliness of filing McCaffrey’s Affidavit, the Affidavit is

insufficient and a legal nullity, as it is unsigned, not sworn to and undated.

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10. The testimony of the Witness should not be permitted because Defendants failed
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to timely disclose the witness and have not shown that the Witness is qualified as an
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expert, that the anticipated testimony of the Witness is relevant, or that the methodology of the
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Witness complies with the requirements of Florida law or meets the standards of an expert witness

as set forth in Daubert v. Merrell Dow Pharm., 509 U.S. 579, 113 S.Ct. 2786, 125 L.Ed.2d 469 (1993)

(“Dauberf').

11. The Florida Evidence Code provides, in 90.702 that “If scientific, technical, or

other specialized knowledge will assist the trier of fact in understanding the evidence or in determining

a fact in issue, a witness qualified as an expert by knowledge, skill, experience, training, or education

OC0562-14/ws
 may testify about it in the form of an opinion or otherwise, if:

(1) The testimony is based upon sufficient facts or data;

(2) The testimony is the product of reliable principles and methods; and

(3) The witness has applied the principles and methods reliably to the facts of the case.

12. None of these requirements are met here. Defendants have failed to show: 1) that

the anticipated testimony of the Witness, to the extent ascertainable, will assist the trier of fact; 2)

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that the Witness is qualified as an expert by knowledge, skill, experience, training or education;

3) that the testimony is based upon sufficient facts or data; 4) that reliable methods have been used

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and 5) that the principles and methods (to the extent ascertainable) have been correctly applied to the

facts of the case. In addition, Defendants have failed to show that the anticipated testimony is in

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any way relevant to a genuine issue.

13.
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The anticipated testimony will not assist the trier of fact because the purported ‘facts’
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are unclear and ambiguous, not germane to any real issue and consist of speculation and conjecture and
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in no way meet the standards for expert witness testimony as set forth in Daubert.

14. Defendants have offered nothing to show that the “expert” is qualified as an expert
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witness, and have presented nothing to this Court other than a legally deficient Affidavit.

15. Even if this Court were to rely on the qualifications of the Witness in the legally
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deficient Affidavit, Mr. McCaffrey’s qualifications do not rise to the level required under Daubert.
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Furthermore, to the extent the “opinions” of the expert are ascertainable, these extend far beyond the
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limited expertise the witness may have.

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16. Similarly, Defendants have failed to show that the anticipated testimony of the

Witness, to the extent determinable, is based upon sufficient facts or data, that reliable methods have

been used or that the principles and methods used, to the extent these are ascertainable, have been

correctly applied to the facts of this particular case.

17. Defendants have failed to properly delineate the specific nature of the anticipated

OC0562-14/ws
testimony of the “expert” witness.

18. Moreover, to the extent McCaffrey intends to testify regarding Plaintiff’s

standing, McCaffrey is precluded from doing so because he is not a party to the Trust

documents. Citibank, N.A. v. Olsak, 3dl5-1032 (Fla. 3rd DCA November 30, 2016).

19. Furthermore, it is beyond dispute that in order for William McCaffrey to qualify as an

expert in a given area, his proponent must show that he has acquired special knowledge of the subject

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matter, whether by study or through experience, or both. Mathieu v. Schnitzer, 559 So. 2d 1244 (Fla. 4th

DCA 1990).

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20. This has not been accomplished here. Mr. McCaffrey does not identify his level of

education. Additionally, there is no indication that specialized coursework was taken. Although Mr.

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McCaffrey indicates prior employment with financial institutions, the brief description of such
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employment fails to indicate that this employment establishes a basis for qualification as an ‘expert.’
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21. Even if Mr. McCaffrey did possess the advanced training expected of an expert
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witness, his anticipated testimony is inadmissible and improper for several reasons. First, the

anticipated testimony, as indicated by the purported Affidavit, is that Plaintiff does not have standing
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and Plaintiff’s damages have not been calculated accurately. Such testimony is improper in part

because it is predicated upon a non-lawyer’s “legal interpretation” of Florida law in that the Witness
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purports to have knowledge as to what constitutes “standing.”

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22. A legal interpretation by a non-lawyer is not a proper subject of expert testimony. See
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Hann v. Balogh, 920 So. 2d 1250 (Fla. 2d DCA 2006)“[0]pinion testimony as to the legal
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interpretation of Florida law is not a proper subject of expert testimony.”). See also Lee County v.

Barnett Banks, Inc., 711 So. 2d 34 (Fla. 2d DCA 1997). In Lee County, the appellate court reversed an

award of attorney fees and expert witness fees, holding that “(ejxpert testimony is not admissible

concerning a question of law. Statutory construction is a legal determination to be made by the trial

judge, with the assistance of counsels’ legal arguments, not by way of ‘expert opinion.’” Id. at 34.

23. Moreover, the purported ‘findings’ of William McCaffrey are

OC0562-14/ws
based on insufficient data, speculation and conjecture and are inadmissible. Sidran v. E.I. Dupont De

Nemours & Co., Inc., 925 So. 2d 1040 (2003).

It is elementary that the conclusion or opinion of an expert witness based on facts or

inferences not supported by the evidence in a cause has no evidential value. It is equally
well settled that the basis for a conclusion cannot be deduced or inferred from the
conclusion itself. The opinion of the expert cannot constitute proof of the existence of the
facts necessary to the support of the opinion.

Arkin Cons. Co. v. Simpkins, 99 So. 2d 557 (Fla. 1957). See also, Husky Industries, Inc. v. Black,

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434 So. 2d 998, 992 (Fl. 4th DCA 1983)(“It has always been the rule that an expert opinion is inadmissible

where it is apparent that the opinion is based on insufficient data.”); Parc Royale East Development, Inc.

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v. U.S. Project Management, Inc., 38 So. 3d 865, 868 (Fla. 4th DCA 2010)(“Trial court abused its

discretion by allowing the expert to testify as to damages based upon a faulty foundation...”); Trumbull

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Ins. Co. v. Wolentarski, 2 So. 3d 1050, 1056 (Fla. 3d DCA 2009)(this is not fact based opinion, it is pure

speculation.”).
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24. The “findings” indicated in the purported Affidavit are inadmissible because the
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“Affidavit” was made solely for the purpose of litigation. A record made for purposes of litigation is

suspect. McElroy v. Perry, 753 So.2d 121, 126 (Fla. 2d DCA 2000)(“We .. .conclude that an IME report
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prepared for the purpose of litigation lacks the trustworthiness that business records are presumed to have,

and therefore, is not admissible under the business records exception.”).

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25. The Witness must not be permitted to testify at the trial of this matter, nor should
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the court permit any purported ‘Affidavit’ to be entered into evidence since the Defendants have
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failed to show that the testimony will assist the trier of fact, that the testimony will be relevant,
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that the Witness is qualified as an expert or that the anticipated testimony, which Defendants have

failed to properly delineate, meets the requirements of Daubert.

WHEREFORE, Plaintiff requests that this Court enter an order prohibiting the witness

designated by Defendants as an ‘expert’ witness from testifying and for any further relief this Court

deems proper.

OC0562-14/ws
 CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing was sent to the parties and

attorneys of record as shown on the attached service list. The service was completed on this 17th day of

February, 2017. On the service list, if an email address is designated for a party, then that party was

served via email only. If no email address is listed for that defendant on the service list, then that party

was served via regular U.S. Mail.

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VAN NESS LAW FIRM, PLC
1239 E. Newport Center Drive, Suite 110
Deerfield Beach, Florida 33442

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Ph: (954) 571-2031
PRIMARY EMAIL: Pleadings@vanlawfl.com

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Zs/ William C. Stanford_________________________
William C. Stanford, Esq.
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Florida Bar#: 670065
Email: wstanford@vanlawfl.com
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CASE NO.: 502014CA013725XXXXMB

SERVICE LIST:
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Kelsay D. Patterson, Esq.

Law Office of Kelsay D. Patterson
PO Box 273826
Tampa, FL 33688
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Attorney for Thomas C. D’alessandro, Jr. & Bernadette D’alessandro, Jr.

Email: kplaw@bellsouth.net
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Supervisor of Process
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1200 S. Pine Island Rd

Plantation, FL 33324
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CZo CT Corporation
Mortgage Electronic Registration Systems, Inc.,
as nomineefor Greenpoint Mortgage Funding, Inc.

United States of America

U.S. Small Business Administration
cZo Jason G. Pullen, Esq.
200 West Santa Ana Blvd. - Suite 180
Santa Ana, California 92701
Jason.pullen@sba.gov

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Mary Ella Turner
9949 N 54th Rd
Jupiter, FL 33478
Unknown Tenant #1 in Possession ofSubject Property, Pro-se

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Page-6 of 8
.‘i--- •
^5gc;’ PRE-MARKING EXHIBITS INTHE CIRCUIT COURT OF THE FIFTEENTH
JUDICIAL CIRCUIT, IN AND FOR PALM
BEACH COUNTY, FLORIDA,
' Parties shall pre-mark all exhibits prior to Division AW
"■ ’'• .tr^d. The’.label is sized to fit Avery Labels 6874.
Case No.:
' : ^l3a1)ei should be affixed to the back of each Plaintiff:
Defendant:
• *0 the back of file last page if exhibit
J'■og^ih? -several pages. (Obviously, until the trial, Filed by the: PLAINTIFF
DEFENDANT
'.'.ifi^^^ties. will not know if the exhibit will be COURT
■‘.•^/.rec^Vfed into evidence.) Blank templates with the
IDENTIFICATION as exhibit #
; ' .6^ £ame, date of the trial, case number, and
’■ ■ • ■■dfi|^:identifying information shall be brought to ADMITTED INTO EVIDENCE as exhibit fl

with objection without objection

This date: ■
?;^WCT%ne should be used to adhere them to the

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By:,------------------------------------------------------------------------------------------------------
< 'yWK-if.not using the adhesive labels (no staples). JUDGE
’ .-^cBhiijiosite exhibit, adhere the exhibit sticker to
' ^^i^feack of the last page.

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: • ■ •
. ■; '■ ■■ INTHE CIRCUIT COURT OF THE FIFTEENTH INTHE CIRCUIT COURT OF THE FIFTEENTH
W/ ;■ ■ ■. JUDICIAL CIRCUIT. IN AND FOR PALM JUDICIAL CIRCUIT, IN AND FOR PALM
‘ , BEACH COUNTY, FLORIDA, BEACH COUNTY, FLORIDA,

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‘ ’ Division AW Division AW

Case No.:

.‘.TOfendatit: ’*. •
v-FlialbyttiK PLAINTIFF
IE Plaintiffi
Defendant:

Filed by the: PLAIN TIFF

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- .? ■ DEFENDANT ■ ’• DEFENDANT
COURT COURT
'' '.^jsNTIFieATION a? exhibit # ____________________________________
IDENTIFICATION as exhibit# ;___________________________
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■ApMlTTED lNTO EVIDENCE as exhibit fl ADMITTED INTO EVIDENCE as exhibit #

5 with objection without objection with objection ■without objection

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This date: ________________________

_____

By:__________ _ ___________________________ —------- - ------- ---------------- —

•• - ----------------------------------------------------------------------------------------
jupcE.. • JUDGE
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INTHE CIRCUIT COURT OF THE FIFTEENTH INTHE CIRCUIT COURT OF THE FIFTEENTH
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JUDICIAL CIRCUIT, IN AND FOR PALM JUDICIAL CIRCUIT, IN AND FOR PALM
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■' 7Filed by the: PLAINTIFF Filed by the: PLAINTIFF

DEFENDANT DEFENDANT
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ilDENTlFICATION as exhibit # IDENTIFICATION as exhibit #

*;S;\^JiiTrrED INTO EVIDENCE as exhibit #
ADMITTED INTO EVIDENCE as exhibit #

with objection without objection with objection without objection

. ! This date: • This date:

-By:----------------------------------------------------------------------- -- ——------------- By:--------------------------------------------------- --- ------------------- ------------- —--------

■ ■JUDGE JUDGE

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14 .<
Filing# 50014953 E-Filed 12/13/2016 07:12:14 PM

IN THE CIRCUIT COURT OF THE

FIFTEENTH JUDICIAL CIRCUIT, IN AND
FOR PALM BEACH COUNTY, FLORIDA
CASE NO. 502014CA013725XXXXMB

HSBC BANK USA, NATIONAL ASSOCIATION, AS

TRUSTEE FOR GSAA HOME EQUITY TRUST 2005-
15, ASSET-BACKED CERTIFICATES SERIES 2005-
15

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Plaintiff,
vs.
THOMAS C. D'ALESSANDRO, JR.; BERNADETTE
D’ALESSANDRO, et al.

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Defendants •
_____________________________________________ /

DEFENDANTS’ EXHIBIT & WITNESS LIST

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Defendants, THOMAS D’ALLESANDRO, JR and BERNADETTE D’ALLESANDRO, by and
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through their undersigned counsel, hereby file this pleading in anticipation of their forthcoming Calendar
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Call.

Exhibits
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a. The original loan documents in the case at bar.

b. All such service returns, pleadings, and other documents as are maintained in
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the Court file for this case, including Complaint, and all documents and
affidavits previously filed and/or served by the Plaintiff.
c. Pooling and Service Agreement of 2005-1515 Goldman Sachs.
d. Mortgage Loan Purchase Agreement.
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e. Trust Mortgage Loan Schedule.

f. Return receipt for the breach letter(s).
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g. - US Postal Service delivery records.

h. All such public records and/or recorded documents which pertain to the
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subject property, including Assignment(s); Declaration of HOA, Merger

documents.
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i. All such documents which reflect ownership of the note and mortgage,
including Screen Shot(s) or Bailee letter(s) reflecting acquisition of the
Note/Mortgage.
j. All such documents which reflect servicing of the note and mortgage.
k. All such documents which reflect transfer of ownership of the note and
mortgage.
l. All such documents which reflect transfer of servicing of the note and
mortgage.
m. All such Power(s) of Attorney.

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 n. Payment history for the account of borrowers), THOMAS C.
D'ALESSANDRO, JR; BERNADETTE D’ALESSANDRO.
o. Loan comments for the account of borrower(s), THOMAS C.
D'ALESSANDRO, JR
p. Breach letter for the account of borrowers), THOMAS C. D'ALESSANDRO,
JR; BERNADETTE D’ALESSANDRO.
q. Wilson’s Ocwen Affidavit filed by the Plaintiff in support of their Motion for
Summary Judgment of Debt dated March 23,2016, and 80 page loan report.
r. Wells Fargo’s Loan Report dated May 12,2016.

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s. All exhibits listed on any Exhibit List filed by Plaintiff in this cause.

All such exhibits as the Court may permit for purposes of impeachment and/or rebuttal testimony and/or

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in the interest ofjustice.

WITNESSES

1. Defendant, Tom D’Alessandro

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2. Fact/Investigative Witness/Expert, William McCaffrey, 6020 East Foothill Drive, North, Paradise
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Valley, AZ 85253, mortgage, lending, banking, housing expert for the Defendants (See Affidavit
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previously submitted in opposition to Summary Judgment Motion of Mr. McCaffrey).
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3. Any person listed and identified by the Plaintiff on their Witness List.
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CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing was sent to the parties via
the Florida E-Portal to all persons/and attorneys of record, this IS
* day of December, 2016.
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LAW OFFICE OF KELSAY D. PATTERSON

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PO Box 273826
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Tampa, Florida 33688

Tel: (813)915-0950
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kplaw@bellsouth.net

By /s Kelsav Patterson
Kelsay D. Patterson, Esq.
Florida Bar No. 119784
kDlaw@bellsouth.net
Attorney for Defendants,
Thomas and Bernadette D’Alessandro

2
 IN THE CIRCUIT COURT OF THE
FIFTEENTH JUDICIAL CIRCUIT, IN AND
FOR PALM BEACH COUNTY, FLORIDA
CASE NO. 502014CA013725XXXXMB

HSBC BANK USA, NATIONAL ASSOCIATION, AS

TRUSTEE FOR GSAA HOME EQUITY TRUST 2005-
15, ASSET-BACKED CERTIFICATES SERIES 2005-
15

PY
Plaintiff,
vs.
THOMAS C. D'ALESSANDRO, JR.; BERNADETTE
D'ALESSANDRO, et al.

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Defendants
_____________ _________________ !
JOINT PRE-TRIAL STIPULATION

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Plaintiff, HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE FOR GSAA HOME

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EQUITY TRUST 2005-15, ASSET-BACKED CERTIFICATES SERIES 2005-15, and Defendants,
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THOMAS D’ALLESANDRO, JR. and BERNADETTE D’ALLESANDRO, by and through their

undersigned counsel, hereby file this their Joint Pre-Trial Stipulation to comply with the Court’s Order
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Setting Cause for Trial by Court and Directing Pre-Trial and Loan Modification Procedures as follows:
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1. PENDING MOTIONS

® Plaintiff’s Motion to Allow Amended Witness and Exhibit List, or, in the alternative,
Motion for Continuance of Trial.
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® Plaintiff’s Motion to Allow Second Amended Witness and Exhibit List.

® Plaintiff’s Motion for Leave to File Pre-Trial Stipulation.
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2. STATEMENT OF THE CASE,

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This is a mortgage foreclosure action. On September 13, 2005, THOMAS C.

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D'ALESSANDRO, JR; BERNADETTE D’ALESSANDRO executed a promissory Note and

delivered it to GREENSPOINT MORTGAGE FUNDING, INC. On September 13, 2005,

THOMAS C. D'ALESSANDRO, JR; BERNADETTE D’ALESSANDRO, executed and

delivered a mortgage in favor of GREENSPOINT MORTGAGE FUNDING, INC.

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3. FACTS WHICH ARE ADMITTED.

a. The note was executed by THOMAS C. D'ALESSANDRO, JR; BERNADETTE

D’ALESSANDRO and die mortgage was executed by THOMAS C. D'ALESSANDRO,

JR; BERNADETTE D’ALESSANDRO on September 13, 2005 for a loan in the amount

of $359,600.00.

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b. This is not homestead property.

c. The loan agreement contains an attorney’s fee provision in favor of the prevailing party.

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4. ISSUES OF FACT TO BE TRIED.

a. Whether the subject loan is in default.

b. The amount currently due and owing on the loan obligation.

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5- ISSUES OF LAW
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a. If Plaintiff has standing to foreclose.
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b. If the loan is in default.
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c. If the loan was accelerated.

d. If pre-suit notice to Defendants was provided.

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6. WITNESS LIST

a. Richard Pierre, Representative from Ocwen Loan Servicing, LLC. to authenticate

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documents and testify as to payments made on the mortgage, default, and amounts

due and owing on the mortgage.

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b. Representative from Bank of America to authenticate documents and testify as to

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payments made on the mortgage, default and amounts due and owing.
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c. William McCaffrey, 6020 East Foothill Drive, North, Paradise Valley, AZ 85253,

mortgage, lending, banking, housing expert for the Defendants (See Affidavit

previously submitted in opposition to Summary Judgment Motion of Mr.

McCaffrey).

® Plaintiff objects to William McCaffrey being called as an Expert Witness.

2
 d. Tom D’Alessandro

7. EXHIBIT LIST

a. The original loan documents in the case at bar.

b. All such service returns, pleadings, and other documents as are maintained in the
Court file for this case, including Complaint,
c. Pooling and Service Agreement of2005-1515 Goldman Sachs.
d. Mortgage Loan Purchase Agreement.
e. Trust Mortgage Loan Schedule.

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f. Return receipt for the breach letter(s).
g. US Postal Service delivery records.
h. All such public records and/or recorded documents which pertain to the subject
property, including Assignments); Declaration of HOA, Merger documents.

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i. All such documents which reflect ownership of the note and mortgage, including
Screen Shot(s) or Bailee letter(s) reflecting acquisition of the Note/Mortgage.
j. All such documents which reflect servicing of the note and mortgage.
k. All such documents which reflect transfer of ownership of the note and mortgage.
l. • All such documents which reflect transfer of servicing of the note and mortgage.

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m. All such Power(s) of Attorney.
n. Payment history for the account of borrower(s), THOMAS C. D'ALESSANDRO, JR;
BERNADETTE D’ALESSANDRO. IE
o. Loan comments for the account of borrowers), THOMAS C. D'ALESSANDRO, JR
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p. Mailing Address Certification.
q. Breach letter for the account of borrower(s), THOMAS C. D'ALESSANDRO, JR;
BERNADETTE D’ALESSANDRO.
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r. Wilson’s Ocwen Affidavit of Debt dated March 23,2016, and 80 page loan report
• Plaintiff objects to Exhibit Q on the basis that it is irrelevant and not
reasonably calculated to lead to the discovery of admissible evidence.
s. Wells Fargo’s Loan Report dated May 12,2016.
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o Plaintiff objects to Exhibit R on the basis that it is vague, ambiguous,

irrelevant and not reasonably calculated to lead to the discovery of
admissible evidence. Plaintiff is not aware of a “loan report” dated May 12,
2016.
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t. All exhibits listed on any Exhibit List filed by any Defendant in this cause.
u. All such exhibits as the Court may permit for purposes of impeachment and/or
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rebuttal testimony and/or in the interest ofjustice.

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8. ESTIMATE TIME FOR TRIAL

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a. The parties estimate this matter will take 2 hours for Trial and should not last for more
than one day.
9. NAME OF ATTORNEYS TRYING CASE

• Plaintiff: William C. Stanford

• Defendants, Thomas C. D’Allesandro, Jr. & Bernadette D’Allesandro: Kelsay Patterson

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 10. ADDITIONAL MATTERS

LAW OFFICE OF KELSAY D. PATTERSON VAN NESS LAW FIRM, PLC

PO Box 273826 1239 E. Newport Center Drive
Tampa, Florida 33688 Suite 110
kplaw@bellsouth.net Deerfield Beach, FL 33442
Tel: (813)915-0950 Tel: (954)571-2031
Fax: (954) 571-2033

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By /sKelsav Patterson Bv: /s/ William C, Stanford
Kelsay D. Patterson, Esq. William C. Stanford, Esq.

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Florida Bar No. 119784 Florida Bar No. 670065
kplaw@bellsouth.net wstanford@,vanlawfl.com
Attorney for Defendants Attorney for Plaintiff
Thomas and Bernadette D’Alessandro

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CERTIFICATE OF SERVICE
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I HEREBY CERTIFY that a true and correct copy of the foregoing was sent to fire parties and
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attorneys of record as shown on the attached service list. The service was completed on this 14th day of
December, 2016. On the service list, if an email address is designated for a party, then that party was
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served via email only. If no email address is listed for that defendant on the service list, then that party
was served via regular U.S. Mail.
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VAN NESS LAW FIRM, PLC

1239 E. Newport Center Drive, Suite 110
Deerfield Beach, Florida 33442
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Ph: (954)571-2031
PRIMARY EMAIL: Pleadings@vanlawfl.com
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/s/ William C. Stanford____________________

William C. Stanford, Esq.
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Florida Bar#: 670065

Email: wstanford@vanlawfl.com
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CASE NO.: 502014CA013725XXXXMB

SERVICE LIST:

Kelsay D. Patterson, Esq.

Law Office of Kelsay D. Patterson
PO Box 273826 ■
Tampa, FL 33688
Attorneyfor Thomas C. D’alessandro, Jr. & Bernadette D’alessandro, Jr.

4
Email: kDlaw@bellsouth.net

Supervisor of Process
1200 S. Pine Island Rd
Plantation, FL 33324
C/o CT Corporation
Mortgage Electronic Registration Systems, Inc.,
as nominee for Greenpoint Mortgage Funding, Inc.

United States of America

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U.S. Small Business Administration
c/o Jason G. Pullen, Esq.
200 West Santa Ana Blvd. - Suite 180
Santa Ana, California 92701

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Jason.Dullen@sba.gov

Maty Ella Turner

9949 N 54th Rd
Jupiter, FL 33478

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Unknown Tenant #1 in Possession ofSubject Property, Prose

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IF
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Filing# 50015356 E-Filed 12/13/2016 08:05:40 PM

IN THE CIRCUIT COURT OF THE

FIFTEENTH JUDICIAL CIRCUIT, IN AND
FOR PALM BEACH COUNTY, FLORIDA
CASE NO. 502014CA013725XXXXMB

HSBC BANK USA, NATIONAL ASSOCIATION, AS

TRUSTEE FOR GSAA HOME EQUITY TRUST 2005-
15, ASSET-BACKED CERTIFICATES SERIES 2005-
15

PY
Plaintiff,
vs.
THOMAS C. D'ALESSANDRO, JR; BERNADETTE
D'ALESSANDRO, et al.

CO
Defendants
___________________ ■________________________________________________________________/

DEFENDANTS’ FILING OF AFFIDAVIT OF WU.LTAM McCAFFREY

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Defendants, THOMAS D’ALLESANDRO, JR and BERNADETTE D’ALLESANDRO, by and
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through their undersigned counsel, served the attached affidavit of William McCaffrey via hand delivery
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upon the Plaintiff’s attorney at the Plaintiff’s Summary Judgment hearing and hand filed it with the Clerk

of Court on the same day as the Plaintiff’s Summary Judgment Hearing.

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CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing was sent to the parties via
the Florida E-Portal to all persons/and attorneys of record, this 13th day of December, 2016.
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LAW OFFICE OF KELSAY D. PATTERSON

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PO Box 273826
Tampa, Florida 33688
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Tel: (813)915-0950
kplaw@bellsouth.net
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By /s Kelsav Patterson
Kelsay D. Patterson, Esq.
Florida Bar No. 119784
kplaw@bellsouth.net
Attorney for Defendants,
Thomas and Bernadette D’Alessandro
 50015356 E-Filed 12/13/2016 08:05:40 PM
ARIZONA DOCUMENT SERVICES, LLC | CLDP #81339
azdocuments@icloud.com | raemacleans@icloud.com

1
AFFIDAVIT OF
2 THOMAS C. D’ALESSANDRO, JR. william McCaffrey
3 BERNADETTE D’ALESSANDRO

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William McCaffrey, Declare as follows:

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7 This Affidavit and analysis is based on my own personal knowledge. I have no direct or
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indirect interest in the outcome of the case at bar for which I offer my observations,

9 analysis, opinions and testimony. My experience in the Banking industry encompasses

10 over 30 years employment for federally insured institutions including a decade as

Business Development Manager, Indy Mac Bank FSB, and currently Consultant,

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Housing Mortgage Consultants Inc. I have knowledge and experience to render opinions
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in the topic areas related to the securitization of mortgage loans, derivative securities,
and the securities industry.
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15 My expertise also includes knowledge of loan origination, underwriting, accounting in

16 the context of securitization, pooling and servicing of securitized loans, assignment and
assumption of securitized loans, creation of trusts under deeds of trust, issuance of asset
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backed securities, specifically mortgage-backed where an entity is named as trustee for
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holders of certificates, and foreclosure of securitized and non-securitized residential
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mortgages. I have served as expert witness in numerous civil cases.

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21 I have testified in both federal and state courts including Nevada, Arizona, California,
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22 Texas, New Jersey, New Mexico, Florida, and South Carolina. Cases include Marshall
and Isley Bank v. Izzo, Slikker v. Kondaur, Brokalakis v. National City Mortgage, and
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Wells Fargo Bank v. Dutson. Superior Court Judges’ Ronan, Garcia, and Budoff, and
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Federal Bankruptcy Judges Markell and Riegle of Nevada, as well as Commissioners’
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Davis, Ellis, and Hamner have affirmed my expert testimony.
26

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Material outside of this Affidavit is not produced or verified by Housing Mortgage Consultants.
28 William McCaffrey does not authorize or lend his name for any reason.

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 ARIZONA DOCUMENT SERVICES, LLC | CLDP #81339 •
azdocuments@icloud.com | raemacleans@icloud.com

1
I am also a securitization analyst and can access corporate trust documents officially
2
filed with the Securities and Exchange Commission. I can find Notes held by named
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trust-entities and verify the status at any given time. I have the knowledge and
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experience to perform these searches with accuracy. I submit this Affidavit on behalf of
5 THOMAS C. D’ALESSANDRO, JR., and BERNADETTE D’ALESSANDRO, and
6 have personal first hand knowledge of the following facts:

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7
September 12, 2005, the D’alessandro’s executed a promissory Note and. a Mortgage.
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The subject property is located at 9949 154th Road North, Jupiter Florida 33478 and
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Green Point Mortgage Funding, Inc. is stated as lender. The property was securitized
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and placed in a Goldman Sachs (“GS”) AA Mortgage Securities Corp Asset-Backed

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Certificates, Series 2005-1515 (“Goldman Sachs Pooled Trust”).
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Pursuant to the Master Servicing and Trust Agreement of the Goldman Sachs Pooled
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Trust, Wells Fargo Bank, NA, is the Master Servicer, and Securities Administrator.
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15
Deutsche Bank National Trust Company is the Custodian.
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17 However, Ocwen avows to be in possession of a “Correct Copy of the Note.” I have

18 reviewed this purported copy and found it to be deficient. The supposed copy has been
19 impaired most noticeably with Eco fasteners. Further, the original would have a label in
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20 the bottom right comer placed by the post closing division along with any indorsements
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21 before placement in the collateral file and sent to the custodian, here Deutsche Bank
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22 National Trust Company.

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24 The subject original note would have the post-closing label located in the bottom right

25 comer as all original notes for this trast would have since the label specifies the

26 Goldman Sachs Securities Corp loan identification number.

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Material outside of this Affidavit is not produced or verified by Housing Mortgage Consultants.
28 William McCaffrey does not authorize or lend his name for any reason.

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 ARIZONA DOCUMENT SERVICES, LLC | CLDP #81339
azdocuments@icloud.com | raemacleans@icloud.com

1
The post closing division is responsible for preserving and transferring original
2
documents such as the Note and Mortgage. This division administers these labels as well
3
as indorsments as part of their regular course of business. To obtain an original copy of
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the Note, Deutsche Bank National Trust Company as the Custodian would be the point
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of contact.
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Equally, the Master Servicer Wells Fargo actually maintains correct details of the subject
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loans transaction history. The detailed loan report generated May 12, 2016 shows the
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subject loan has a Current loan rate of 3.625 and an approximate delinquent interest total
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of $95,672.03.

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However, Ocwen’s Affidavit of Debt dated March 23, 2016 affirms a daily rate of
$31.97 ad interest rate at date of the purported default to be 7.625. The affiant, Ms.
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14 Wilson acquired these amounts from the deferred principal balance interest on her
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15 Ocwen servicing system, which is incorrect and unreliable further the affidavit of
16 indebtedness claim of $96,370.48 on February 9,2016 at a rate of 7.625 is incorrect.
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18 The actual amount would be $95,672.03 at a rate of 3.625 according to the Goldman

19 Sachs Distribution Report, which was prepared for their investors on May 26, 2016
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20 (EXHIBIT I).
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Ms. Wilsons Detailed Transaction History and submitted 80 pages of loan history
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records do not contain the subject loans full transaction history or correct information of
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it as required. Specifically, this loan #0087854105, is not in Pool #1, nor is the property
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located in Wildwood New Jersey, in fact all pages 17-80 contain information on a
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property in another pool of the Goldman Sachs pooled trust.
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Material outside of this Affidavit is not produced or verified by Housing Mortgage Consultants.
28 William McCaffrey does not authorize or lend his name for any reason.

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 ARIZONA DOCUMENT SERVICES, LLC | CLDP #81339
azdocuments@icloud.com | raemacleans@idoud.com

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Therefore, based upon my research and decades of relevant experience within the
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banking industry, it is my conclusion and testimony it would be impossible for Ocwen as
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agent or HSBC N.A. to hold the subject Note, or to have calculated these payoffs
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accordingly or accurately.
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FURTHER AFFIANT SAYETH NAUGHT.
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William McCaffrey
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10 SWORN TO AND SUBSCRIBED before me, the undersigned notary public, this

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Day of June, 2016.
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IF
14 Notary Public
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My commission expires:
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Material outside of this Affidavit is not produced or verified by Housing Mortgage Consultants.
28 William McCaffrey does not authorize or lend his name for any reason.

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 ARIZONA DOCUMENT SERVICES, LLC | CLDP #81339
azdocuments@icloud.coin | raemacleans@icloud.com

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13 EXHIBIT I
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Material outside of this Affidavit is not produced or verified by Housing Mortgage Consultants.
28 William McCaffrey does not authorize or lend his name for any reason.