Heraux

FACTS

Heraux, acting in propria persona, filed a complaint against Chase, California Reconveyance Company, and Vu. The court sustained demurrers to the complaint and granted Heraux leave to amend. Heraux thereafter filed a first amended complaint. According to that complaint, Heraux gave Washington Mutual Bank, FA a deed of trust on his residence in Anaheim (the property) on September 28, 2005, to secure the repayment of a $455,000 loan. California Reconveyance was named as trustee. The complaint alleges Chase subsequently acquired Washington Mutual’s beneficial interest in the deed of trust. At the end of March 2009, California Reconveyance Company recorded a notice of default and intent to sell under the deed of trust, stating Heraux was $10,359.29 in arrears as of March 28, 2009. Heraux alleged he thereafter sought to modify the loan secured by the deed of trust. At the end of May 2009, Heraux received a call from someone at Chase about possibly arranging a loan modification. Heraux alleged his notes from his conversation

California Reconveyance Company is not a party to this appeal.

2 with the individual show Chase had a two-step approach to modifications. There was a…