UNPUBLISHED

UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT

No. 11-1165

JAMES O. GIBSON; TERI GIBSON,

Plaintiffs - Appellants,

v.

WELLS FARGO BANK, N.A.; OCWEN LOAN SERVICING, LLC,

Defendants – Appellees,

and

NECTAR PROJECTS, INCORPORATED,

Defendant.

Appeal from the United States District Court for the Eastern District of Virginia, at Alexandria. Liam O’Grady, District Judge. (1:10-cv-00304-LO-IDD)

Submitted: December 13, 2011 Decided: January 4, 2012

Before MOTZ, GREGORY, and SHEDD, Circuit Judges.

Affirmed by unpublished per curiam opinion.

Christopher Edwin Brown, BROWN, BROWN, & BROWN, PC, Alexandria, Virginia, for Appellants. D. Margeaux Witherspoon, Rachel McGuckian, MILES & STOCKBRIDGE, P.C., McLean, Virginia, for Appellees. Unpublished opinions are not binding precedent in this circuit.

2 PER CURIAM:

James O. Gibson and Teri Gibson appeal the district

court’s orders denying the Gibsons leave to amend their

responses to the Appellees’ requests for admissions and granting

summary judgment against the Gibsons in their action seeking to

prevent the Appellees from foreclosing on their property. We

have reviewed the record and find no reversible error. In

particular, we reject the Gibsons’ assertion that our holding in

Horvath v. Bank of New York, N.A.,

(4th Cir. 2011),

precludes entry of summary judgment in favor of the Appellees

and requires summary judgment in the Gibsons’ favor.

Accordingly, we affirm the judgment of the district court. We

dispense with oral argument because the facts and legal

contentions are adequately presented in the materials before the

court and argument would not aid the decisional process.

AFFIRMED

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