AMY S. BERNAL vs. IRWIN WEITZ.

BROWN, J. This is an appeal by the plaintiff from a judgment awarding nominal damages for her loss arising from the negligence of the defendant, Irwin Weitz, a duly appointed notary public. [Note 1] The plaintiff challenges the damage award, arguing that the judge relied on improper precedent and erred in finding that the extent of her loss was not adequately proven. In the alternative, the plaintiff urges that we find against the defendant for fraud or negligent misrepresentation and award damages accordingly.

The plaintiff, Amy Bernal (Amy), was married to Hugo Bernal (Hugo) from 1987 to 1991. In March, 1988, Amy and Hugo purchased property in Wilbraham (residence), paid for in part

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by a $200,000 mortgage from Springfield Institute for Savings. Unbeknownst to Amy, on June 21, 1988, Hugo, purportedly on behalf of himself and Amy, granted a second mortgage to a different lender, Heritage Bank, in the amount of $100,000. [Note 2]

By the end of 1990, due to Hugo's unsuccessful business transactions and the extreme downturn in the real estate market, the couple's financial base began to crumble. The couple's marriage disintegrated at virtually the same time. In December, 1990, Amy obtained a restraining order against Hugo, forcing him to move out of the residence. In spring, 1991, Amy discovered that Hugo had obtained the second mortgage and that it had been rolled over four times. [Note 3]

The second mortgage documents required both Amy's and Hugo's signatures. When Hugo, appearing without Amy, presented the documents to Weitz to be notarized, Hugo represented to Weitz that Amy's signatures were genuine. In fact, Hugo had forged Amy's signatures. She knew nothing about the documents. Weitz purported to notarize the documents, falsely attesting to Amy being present and signing the documents before him. See G. L. c. 267, § 1.

Amy, still living in the residence, was unable to make payments on the first and second mortgages. The first mortgagee eventually foreclosed on the property. [Note 4]

The trial judge found that Weitz was negligent and that his negligence resulted in the encumbrance of the equity in the residence. However, the judge concluded that since the residence was foreclosed by the first mortgagee, not the second mortgagee, Weitz's negligence did not cause Amy's claimed injury. The judge found that Amy was harmed only by the first mortgagee's

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foreclosure (as to which there was no breach of duty by Weitz). She went on to conclude that since Hugo had duped Weitz as well as Amy, there was no fraud or intent to harm Amy on Weitz's part, even though Weitz breached his duty as notary. The judge reasoned that although there was a breach of duty owed to Amy by Weitz as to the second mortgage, because the second mortgage provided a $100,000 infusion of funds into the family finances from which Amy benefitted, and because there was no evidence of fraud by Weitz since he gained nothing from the deception and was himself misled by Hugo, Amy was entitled only to nominal damages. This appeal ensued.

We think the judge's findings are dispositive, and Amy does not argue or establish that they are clearly erroneous. [Note 5] Amy claims that the trial judge erred in holding that nominal damages are appropriate, given the extent of her loss due to Weitz's negligence.

Plaintiffs have the burden of proving every element of their negligence claim. Ulwick v. DeChristopher, 411 Mass. 401 , 408 (1991). Actual damages or loss are an essential element of the tort of negligence. Ibid. Damage awards are intended to compensate plaintiffs for the loss they have sustained.

Based on the judge's findings, we do not discern any grounds for recovery in fraud. In addition, we note the absence of any finding of specific harm attributable to the breach of the notary's duty. Indeed, since the judge found -- correctly -- that Amy had suffered no loss, there is a failure to establish the damage element of the negligence claim; Amy is not entitled to anything, not even nominal damages.

Although Weitz's breach of duty as a notary public is not actionable as negligence in the instant circumstances, his conscious lapse violates the most fundamental duty of a notary and our opinion should not be read as condoning the sloppy and grievous exercise of notary public commissions.

A judgment is to enter for the defendant.

So ordered.