Reversed in part. Plaintiffs appealed from the trial court sustaining Defendant’s demurrer without leave to amend. Plaintiff contended that Defendant had an obligation to modify their home mortgage loan; that the trial court erred in finding no duty of care; and the loan modification denial did not satisfy CCP sec. 2923.6; and that intentional infliction of emotional distress was sufficiently pled. The appeals court reversed as to failure to satisfy CCP sec. 2923.6 and affirmed the rest.