Beyer v. Countrywide Home Loans Servicing LP

MEMORANDUM **

We affirm the district court. Countrywide’s inclusion of the expedited payoff service fee in the loan payoff demand statement was not deceptive within the meaning of the Washington Consumer Protection Act (“CPA”), Rev.Code. Wash. § 19.86.010, et seq., because the payoff demand statement twice unambiguously disclosed that payment of the payoff service fee was not required to release the mortgage lien. Cf. Dwyer v. J.I. Kislak Mortgage Corp., 103 Wash.App. 542, 13 P.3d 240, 243 (2000).

The expedited payoff service was voluntary and extraneous to the mortgage. Beyer nowhere alleged…