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today we will continue our discussion of pre contractual reliance based liability you might remember from our last class discussing the hoffman v red owl case that liability may be appropriate if one party repeatedly baits and switches during negotiation and the other party relies to its detriment today we will see a more modern application of this idea in Dickson V Wells Fargo Bank despite being a fairly recent case judge Youngs opinion includes one of the most careful discussions of the development of promissory estoppel and the literature on pre contractual negotiations before we start lets take a moment to understand the basics of a mortgage a mortgage or a mortgage loan is used by home buyers to purchase the to purchase homes the lender is usually a bank credit union or other financial institution these loans are usually secured on the book with the security security being the borrowers property this means that if the borrower defaults or is unable to pay the loan as it comes d
