Plaintiff's application, upon the default of all defendants, for an order of reference for the premises located at 363 Madison Street, Brooklyn, New York (Block 1820, Lot 76, County of Kings) is denied without prejudice, with leave to renew upon providing the Court with: a copy of a valid assignment of the instant mortgage and note to plaintiff WELLS FARGO BANK, N.A., AS TRUSTEE (WELLS FARGO); a satisfactory explanation to questions with respect to the two December 8, 2004 assignments of the instant mortgage and note from ARGENT MORTGAGE COMPANY, LLC (ARGENT) to AMERIQUEST MORTGAGE COMPANY (AMERIQUEST), and then from AMERIQUEST to plaintiff WELLS FARGO; and satisfactorily answering certain questions regarding a May 5, 2005 limited power of attorney from WELLS FARGO, as Trustee, to LITTON LOAN SERVICING, LP, as Servicer.

Assuming that plaintiff can provide answers to the above questions, plaintiff has to then answer various questions about LITTON, its alleged servicer. The instant application for an order of reference contains an "affidavit of merit and amount due" by Debra Lyman, Vice President of LITTON, attorney in fact for WELLS FARGO. The Limited Power of Attorney, dated May 5, 2005, attached to the instant application for an order of reference, states that WELLS FARGO:

to Park Place Securities Inc. Asset Backed Pass through Certificates,

Series 2005-WLL1 dated as of March 1, 2005 (the "Agreement") by

and among Park Place Securities, Inc. as ("Depositor") and Litton

Loan Servicing LP as ("Servicer") and Wells Fargo Bank, N.A. as

its true and lawful attorney-in-fact . . . to execute and deliver on

behalf of [WELLS FARGO] any and all of the following instruments

[documents with respect to foreclosures] to the extent consistent with

the terms and conditions of the Agreement [sic].

Plaintiff WELLS FARGO must have "standing" to bring this action. The Court of Appeals (Saratoga County Chamber of Commerce, Inc. v Pataki, 100 NY2d, 901, 812 [2003]), cert denied 540 US 1017 [2003]) held that "[s]tanding to sue is critical to the proper functioning of the judicial system. It is a threshold issue. If standing is denied, the pathway to the courthouse is blocked. The plaintiff who has standing, however, may cross the threshold and seek judicial redress." In Carper v Nussbaum, 36 AD3d 176, 181 (2d Dept 2006), the Court held that "[s]tanding to sue requires an interest in the claim at issue in the lawsuit that the law will recognize as a sufficient predicate for determining the issue at the litigant's request." If a plaintiff lacks standing to sue, the plaintiff may not proceed in the action. (Stark v Goldberg, 297 AD2d 203 [1d Dept 2002]).

In the instant action, the two December 8, 2004 assignments, from ARGENT to AMERIQUEST and then AMERIQUEST to WELLS FARGO, are defective. This affects WELLS FARGO's standing to bring this action. The recorded assignments are both by Jose Burgos "as Agent." The assignments lack any power of attorney granted by either ARGENT or AMERIQUEST to Jose Burgos to act as their agents. Real Property Law (RPL) § 254 (9) states:

Power of attorney to assignee. The word "assign" or other words of

assignment, when contained in an assignment of a mortgage and bond

or mortgage and note, must be construed as having included in their

meaning that the assignor does thereby make, constitute and appoint

the assignee the true and lawful attorney, irrevocable, of the assignor,

in the name of the assignor, or otherwise, but at the proper costs and

charges of the assignee, to have, use and take all lawful ways and means

for the recovery of the money and interest secured by the said mortgage

and bond or mortgage and note, and in case of payment to discharge

the same as fully as the assignor might or could do if the assignment

were not made. [Emphasis added]

Therefore, to have a proper assignment of a mortgage by an authorized agent, a power of attorney is necessary to demonstrate how the agent is vested with the authority to assign the mortgage. "No special form or language is necessary to effect an assignment as long as the language shows the intention of the owner of a right to transfer it [Emphasis added]." (Tawil v Finkelstein Bruckman Wohl Most & Rothman, 223 AD2d 52, 55 [1d Dept 1996]; see Suraleb, Inc. v International Trade Club, Inc., 13 AD3d 612 [2d Dept 2004]).

To foreclose on a mortgage, a party must have title to the mortgage. The instant assignments are both nullities. The Appellate Division, Second Department (Kluge v Fugazy, 145 AD2d 537, 538 [2d Dept 1988]), held that a "foreclosure of a mortgage may not be brought by one who has no title to it and absent transfer of the debt, the assignment of the mortgage is a nullity." Citing Kluge v Fugazy, the Court (Katz v East-Ville Realty Co., 249 AD2d 243 [1st Dept 1998], held that "[p]laintiff's attempt to foreclose upon a mortgage in which he had no legal or equitable interest was without foundation in law or fact."

It is clear that plaintiff WELLS FARGO, with the invalid assignments of the instant mortgage and note from ARGENT, lacks standing to foreclose on the instant mortgage. The [*4]Court, in Campaign v Barba, 23 AD3d 327 [2d Dept 2005], held that "[t]o establish a prima facie case in an action to foreclose a mortgage, the plaintiff must establish the existence of the mortgage and the mortgage note, ownership of the mortgage, and the defendant's default in payment [Emphasis added]." (See Household Finace Realty Corp. Of New York v Wynn, 19 AD3d 545 [2d Dept 2005]; Sears Mortgage Corp. v Yahhobi, 19 AD3d 402 [2d Dept 2005]; Ocwen Federal Bank FSB v Miller, 18 AD3d 527 [2d Dept 2005]; U.S. Bank Trust Nat. Ass'n v Butti, 16 AD3d 408 [2d Dept 2005]; First Union Mortgage Corp. v Fern, 298 AD2d 490 [2d Dept 2002]; Village Bank v Wild Oaks Holding, Inc., 196 AD2d 812 [2d Dept 1993].

Accordingly, it is

ORDERED that the application of plaintiff WELLS FARGO BANK, N.A., AS TRUSTEE, for an order of reference for the premises located at 363 Madison Street, Brooklyn, New York (Block 1820, Lot 76, County of Kings) is denied without prejudice, and it is further

ORDERED that leave is granted to plaintiff WELLS FARGO BANK, N.A., AS TRUSTEE, to renew its application for an order of reference for the premises located at 363 Madison Street, Brooklyn, New York (Block 1820, Lot 76, County of Kings), upon presentation to the Court, within forty-five (45) days of this decision and order of: (1) a proper assignment of the instant mortgage and note to plaintiff, WELLS FARG0 BANK, N.A, AS TRUSTEE, and compliance with the statutory requirements of CPLR § 3215 (f) by an affidavit of facts executed by someone with authority to execute such an affidavit: (2) an affidavit from an officer of plaintiff, WELLS FARG0 BANK, N.A, AS TRUSTEE, explaining for whom WELLS FARGO BANK, N.A. is acting as Trustee, why Jose Burgos acted as both an assignor and assignee on December 8, 2004, and, why the December 8, 2004 assignments were executed in Westchester County, New York, and not Orange, California; and (3), if the affidavit of facts is executed by a loan servicer, a copy of the power of attorney to the loan /servicer and the Servicing Agreement authorizing the affiant to act in the instant foreclosure action.

This constitutes the Decision and Order of the Court.

ENTER

___________________________

Hon. Arthur M. Schack

J.S.C.