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Av!\\ib01s01\clerk1nas,,,,0~1 (`$.8dd8    ("  Z6Times New Roman Regular0:i+00 C:\PROGRA~1\COREL\WORDPE~1\TEMPLATE\CUSTOM~1\REVISE~1.WPTC:\Program Files\Corel\WordPerfect Office 2000\Template\Custom WP Templates\revised standard opinion.wpt3|xU R$      2  0  _Thenotestatedexplicitlythat IunderstandthattheLendermaytransferthis_Note._ԀLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5 f R$      3  0  _Bythistime,bothNorthAmericanandHomesideLendingwerepartofWashingtonMutualBank,and  WashingtonNationalBankwastheholderofMs._Vedder_snoteanddeedoftrust.(#$  0   CorlewSmyrna P.J.MathernePulliamHomesideKillingerKilgrow NAMC nunc tuncEdmundsonKaylorPaehlerNatlTafflinSundquistIcard TimmFurenGinsburgHardinGuentherVedder R$      5  0  _Irvinv.CityofClarksville,767S.W.2d649,652(Tenn.Ct.App.1988).  R$      1  0  _Tenn.Ct.App.R.10provides:  8  ThisCourt,withtheconcurrenceofalljudgesparticipatinginthecase,mayaffirm,reverseormodify 8 theactionsofthetrialcourtbymemorandumopinionwhenaformalopinionwouldhaveno L precedentialvalue.Whenacaseisdecidedbymemorandumopinionitshallbedesignated   MEMORANDUM_OPINION,_Ԁshallnotbepublished,andshallnotbecitedorreliedonforany  reasoninanyunrelatedcase. 0 R$      4  0  _Ms._Vedders_Ԁlengthybriefsonappeal,likemanyofherfilingsinthetrialcourt,aredifficulttofollow.  Althoughsheemployslegalterminology,sheoftendoessoinanincoherentandnonsensicalmanner.Forexample,her t openingbriefonappealcontainsthefollowingpassageinasectionentitled JUDICIALNOTICE: 8 8  FURTHER THAT,AnitaJ.Vedder ISNOT atrusteeoftheUNITEDSTATESBANKRUPTCY,  asprovidedbytheEMERGENCYBANKINGACTOFMARCH9,1933,nuncprotunc,thatAnita   J._Vedders_ԀnamehasbeencopyrightedforTRUTHINCOMMERCEANDCONTRACTTORT  WAIVERwithsignificantsilverspeciepenaltiesinplaceformisuse,nuncprotunc,toApril08,1941, t thatshehaspowerofattorneyoverherstrawmanonfilewiththeStateofTennesseeSecretaryofState 8 andRutherfordCountyRegisterofDeedsandthatthismatterproceedswithapriorreservationofright L asprovidedbyUCCat1207.- -(|G2$ !.8dd8         0  0 d(|3$ !.8dd8     VVVV'dxd)!dxdx( $ Figure  1  ^_X`YE<<CLevel 1Level 2Level 3Level 4Level 5(|3$ !.8dd8     ($$   1  X[Z&OLE 2.0 Box <=8C HKKKK !.8dd8     _  8ǹXXdd8  @ tINTHECOURTOFAPPEALSOFTENNESSEE  @kk$ATNASHVILLE#t#Ԉ &   November5,2004Session L XǹX #XXǹ#ANITAJ.VEDDERv.NORTHAMERICANMORTGAGECO.,etal.XǹX  J @@ AppealfromtheCircuitCourtforRutherfordCounty  J @@No.47825RobertE.Corlew,III,Chancellor  6 @@*AV) ` dE< ` A    @@TTNo.M200301682_COA_ԄR3CVFiledNovember30,_2004_   AV) ` dE<` A      Thiscaseinvolvesahomeownerwhodefaultedonherhomemortgage.Aftertheholderofthenote   commencedforeclosureproceedings,thehomeownerfiledsuitintheCircuitCourtforRutherford x  Countyassertingnumerousclaimsagainsttheoriginalmortgagee,thesubsequentpurchasersofthe d note,andanexecutiveemployedbyoneofthesubsequentpurchasers.Thetrialcourtgrantedthe P defendantsmotiontodismissthehomeownerscomplaintforfailuretostateaclaimuponwhich < reliefcouldbegranted.Thehomeownerappealedand,whiletheappealwaspending,requestedthe (x trialcourttovacateitsearlierdecisionforlackofsubjectmatterjurisdiction.Thetrialcourtdenied d thehomeownersmotion.Wenowaffirmbothofthetrialcourtsdecisions.#XXǹ#XǹX P  Tenn.R.App.P.3AppealasofRight;JudgmentoftheCircuitCourtAffirmed  (   #Xǹ#XǹX.WilliamC.Koch,Jr.,P.J.,M.S.,deliveredtheopinionofthecourt,inwhichHerschelP.Franks,  P.J.,andFrankG.Clement,Jr.,J.,joined.  AnitaJ.Vedder,Smyrna,Tennessee,ProSe. t J.GrahamMatherneandAndrewJ.Pulliam,Nashville,Tennessee,fortheappellees,North L  AmericanMortgageCo.,WashingtonMutual,Inc.,WashingtonMutualBank,FA,Homeside 8!  Lending,andKerryK.Killinger. $"t! F  MEMORANDUMOPINION #XXǹu #XǹX #  1       #L#     OnJuly5,1999,AnitaJ.Vedderpurchasedaresidentialpropertyat1000KilgrowCourtin %$!% Smyrna,Tennesseeusinga$97,600mortgageloanfromNorthAmericanMortgageCo.( North &"& American).Ms.VeddersignedanoteinwhichshepromisedtorepayNorthAmericanthe$97,600 '"' plusinterest.Thisnotewassecuredbyadeedoftrust.Italsocontainedaprovisionpermitting  NorthAmericantotransferthenoteanddeedoftrust.  #  2      ׀NorthAmericansubsequentlytransferred  thenoteandthedeedoftrust,andinAugust2002,HomesideLendingownedthenoteanddeedof  trust.Ms.VedderdidnotmakehermonthlymortgagepaymentinAugust2002,apparentlybecause t shebelievedthatthetransfersofthenoteanddeedoftrustsomehowextinguishedherobligationto ` paythebalanceofhermortgageloan.HomesideLendingdeterminedthatMs.Vedderwasindefault L  andcommencedforeclosureproceedings. 8    OnFebruary6,2003,Ms.VedderfiledaprosecomplaintagainstNorthAmerican,  ` HomesideLending,WashingtonMutualBank,F.A.,T #  3      ׀andothersintheRutherfordCountyCircuit  L  Court.Ms.Vedderassertednumerousclaimsunderstateandfederallawincludingbreachof  8  contract,failureofconsideration,nondisclosureandmisrepresentationofmaterialfacts,theftby $  falsepretext,ratificationandenforcementofadministrativeagreements,civilviolationsoftheFair   CreditReportingAct,15U.S.C.A.16811681x(1998&Supp.2004),andtheFairDebt   CollectionPracticesAct,15U.S.C.A.16921692o(1998),andcivilandcriminalviolationsof   theTruthinLendingAct,15U.S.C.A.16011667f(1998&Supp.2004).AlthoughMs.Vedders   complaintisfarfromclear,thefactualpredicateformostofherclaimsappearstobeherbeliefthat p NorthAmericancouldnotlegallytransferthenote,thatNorthAmericansagentsactedoutsidethe \ scopeoftheircorporateauthorityinmakingtheloantoherinthefirstplace,andthatsheistherefore H nolongerrequiredtomakehermonthlymortgagepayments. 4   ThedefendantsmovedtodismissMs.VedderscomplaintunderTenn.R.Civ.P.12.02(6).  \ ThetrialcourtcarefullyexaminedMs.Vedderseightcausesofactionandfoundthateachfailed H tostateaclaimuponwhichreliefcouldbegranted.Thus,inaMay28,2003lettertothepartiesand 4 aJune11,2003order,thecourtdismissedMs.Vedderscomplaintwithprejudice.Ms.Vedderfiled   anoticeofappeal.Whiletheappealwaspending,Ms.Vedderfiledadocumentinthetrialcourt   styledasfollows: VerifiedPetitiontoVacateaVoidJudgmentandDirectAttack.Inthis  document,Ms.VedderarguedthattheJune11,2003orderwasvoidbecausethetrialcourtlacked  subjectmatterjurisdictionoverthecase.InaDecember2,2003lettertothepartiesandaDecember  16,2003order,thetrialcourtdeniedMs.Vedderspetition. l   Onthisappeal,Ms.Veddercontinuestopressherjurisdictionalattackonthetrialcourts D! orders.Herargumentsonthispointbearlittle,ifany,resemblancetorecognizedlegaltheories. #  4      ׀ 0"  However,Ms.Vedderisproceedingasaproselitigantinthiscase.Accordingly,inrecognitionthat  manyproselitigantslacklegaltrainingandareunfamiliarwiththeworkofthecourts,( #  5      ׀wewillgive  heracertainamountofleewayinthepreparationofherbriefsandlegalarguments,Whitakerv.  WhirlpoolCorp.,32S.W.3d222,227(Tenn.Ct.App.2000);Paehlerv.UnionPlantersNatlBank, t Inc.,971S.W.2d393,397(Tenn.Ct.App.1997),andwewillmeasureherpapersusingless ` stringentstandardsthatthoseappliedtopaperspreparedbylawyers.Hughesv.Rowe,449U.S.5, L  910,101S.Ct.173,176(1980);Baxterv.Rose,523S.W.2d930,939(Tenn.1975);Winchester 8  v.Little,996S.W.2d818,824(Tenn.Ct.App.1998).Wewillnot,however,excuseherfrom $ t complyingwiththesamesubstantiveandproceduralrulesthatrepresentedpartiesareexpectedto  ` observe.Edmundsonv.Pratt,945S.W.2d754,755(Tenn.Ct.App.1996);Kaylorv.Bradley,912  L  S.W.2d728,733n.4(Tenn.Ct.App.1995).  8    Regardlessoftheamountofleewaywegive,Ms.Veddersjurisdictionalargumentsremain   difficulttofollow.Herclaimsmostcloselyresemblethefollowinglegalarguments:(1)statecourts   havenojurisdictionoverherclaimsbecauseherclaimsarebasedonfederallaw;(2)thefederal   statutesonwhichherclaimsarebasedprovideforexclusivejurisdictioninthefederalcourts;and   (3)thetrialcourtdidnothavetheauthoritytoadjudicateherclaimsbecausetheyaroseatlawrather p thaninequity.Eachoftheseargumentsisflawed. \   First,statecourtsretainconcurrentjurisdictionwiththefederalcourtsoverclaimsarising 4 underfederallawunlesstheUnitedStatesCongresshaswithdrawnthatjurisdictionwithrespectto  p aparticularclaim.Tafflinv.Levitt,493U.S.455,458460,110S.Ct.792,795(1990).Second,the  \ federalstatutesreliedonbyMs.Vedderexplicitlyprovideforstatecourtjurisdictionoverclaims H arisingunderthoseacts.15U.S.C.A.1681p(FairCreditReportingAct);15U.S.C.A.1692k(d) 4 (FairDebtCollectionPracticesAct);15U.S.C.A.1640(e)(TruthinLendingAct).Third,in   researchinghercase,Ms.VedderhasapparentlyoverlookedTenn.CodeAnn.1611102(1994),   whichgivesthechancerycourtsconcurrentjurisdictionwiththecircuitcourtsoverallcivilcauses  ofactionsubjecttocertainexceptionsnotapplicablehere.Accordingly,weaffirmthetrialcourts  rejectionofMs.Veddersjurisdictionalchallenge.    WealsoagreewiththetrialcourtsconclusionthatMs.Vedderscomplaintfailedtostate X  aclaimuponwhichreliefcouldbegranted.ThesolepurposeofaTenn.R.Civ.P.12.02(6)motion D! istotestthesufficiencyofthecomplaint,notthestrengthoftheplaintiffsevidence.Doev. 0"  Sundquist,2S.W.3d919,922(Tenn.1999);Bellexrel.Snyderv.Icard,Merrill,Cullis,Timm, #l! Furen&Ginsburg,P.A.,986S.W.2d550,554(Tenn.1999).Itrequiresthecourtstoreviewthe $X" complaintalone,Danielv.HardinCountyGen.Hosp.,971S.W.2d21,23(Tenn.Ct.App.1997), $D # andtolooktothecomplaintssubstanceratherthanitsform.Kaylorv.Bradley,912S.W.2dat731.  DismissalunderTenn.R.Civ.P.12.02(6)iswarrantedwhentheallegedfactswillnotentitlethe  plaintifftorelieforwhenthecomplaintistotallylackinginclarityandspecificity.Dobbsv.  Guenther,846S.W.2d270,273(Tenn.Ct.App.1992). t   OnappealfromanordergrantingaTenn.R.Civ.P.12.02(6)motion,wemustpresumethat L  thefactualallegationsinthecomplaintaretrue,andwemustreviewthetrialcourtslegal 8  conclusionsregardingtheadequacyofthecomplaintwithoutapresumptionofcorrectness.Bellex $ t rel.Snyderv.Icard,Merrill,Cullis,Timm,Furen&Ginsburg,P.A.,986S.W.2dat554;Steinv.  ` DavidsonHotelCo.,945S.W.2d714,716(Tenn.1997).HavingindependentlyreviewedMs.  L  Vedderscomplaint,weconcurwiththetrialcourtsconclusionthatitfailstostateaclaimupon  8  whichreliefcanbegranted.Accordingly,thetrialcourtdidnoterringrantingthedefendantsTenn. $  R.Civ.P.12.02(6)motionandindismissingMs.Vedderscomplaintwithprejudice.     WeaffirmtheordersdismissingMs.Vedderscomplaintanddenyingherposttrialpetition   andremandthecasetothetrialcourtforfurtherproceedingsconsistentwiththisopinion.Wealso   taxthecostsofthisappealtoAnitaJ.Vedderforwhichexecution,ifnecessary,mayissue. p    `     h     ___________________________________  p    `     h     WILLIAMC.KOCH,JR.,P.J.,M.S.