Regulators Ask Banks to Re-check their Foreclosures

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Editor’s Comments: There are two ways of looking at this development. One is that the regulators are setting up the banks for failing to comply with the requirements of their regulators — and potentially extending the statute of limitations on Fed action against the banks.

The other is that the regulators are either politically motivated or so incredibly stupid that they are outsourcing the investigation of wrongful behavior of the banks to the potential defendants and respondents.

I can see a rationale in the first scenario but I am concerned that it is the second rationale that is at play here. The Paulson-Geithner doctrine of keeping the banks safe from collapse still appears to be guiding the regulators and law enforcement.

This isn’t really so difficult: first you ask those already in litigation to send in their papers. Second you ask the banks to show proof of payment and the entire money trail to show proof of loss. If the banks are able to show the actual proof of loss then the paperwork problems become less severe in terms of twisting the outcome. If the banks are not able to show they had any losses then it is true, all hell will break loose.

If the banks were in fact not using their own money on the loans that were originated, transferred and eventually offered for assignment into the loan pools, then their claims of loss to insurance companies and counter-parties to credit default swaps and other hedge products (and of course TARP) are subject to repayment to the insurers because the banks had no insurance interest and received the money anyway — not as agent for the investors who are the real losers, but for themselves. Having lied to the insurers, the ratings companies, and the investors, they were forced to lie to the government who gave them the TARP money to save the banks from going under as a result of huge losses in the credit markets.

A quick look at the 10K annual reports filed with the SEC will show that the banks were not showing any exposure to a risk of loss on the residential mortgage loans that were funded with investor money. Simple arithmetic would establish whether or not the total money given by investors was even close to the money used to fund actual loans.

One of two outcomes is possible if the banks were in fact lying to everyone. Either they owe back the insurance dollars they received and kept instead of passing it on to investor/lenders; or they owe the investor/lenders the money from insurance, credit default swaps etc. And THAT would reduce the loan receivable on the books of the investor/lenders. This in turn would reduce the amount due under the loan to homeowners, which in turn would flip the situation from homeowners being underwater to homeowners having equity.

Insurers and counter-parties in credit default swaps might have an unsecured claim for contribution from homeowners, but more likely they would be blocked by their own waiver of subrogation or extinguished in bankruptcy. The rest would be subject to negotiations on a level playing field whereby the investors could mitigate their damages while they recover the balance stolen from them by the banks.

It is difficult to imagine the banks reporting themselves for mistakes or criminal misbehavior. The regulators must know that. So there must be some plan working whereby the banks get further umbrella coverage from the Feds or where the Feds go into action against the banks. Only time will tell.

Feds to Banks: Double-Check Your Foreclosures for Errors

Independent review not working, so comptrollers go straight to banks

By Mark Russell,  Newser Staff

(Newser) – In the quest to right wrongful foreclosures, government regulators are turning to the last people on Earth one might expect—the unscrupulous lenders who did the foreclosing in the first place. An attempt to distribute billions of dollars in aid by independent consultants was shut down after it was found to be rife with delays and inefficiencies—consultants charged the government $2 billion in fees for 14 months of review, despite examining only a small number of the 500,000 complaints filed. So instead the Office of the Comptroller of the Currency is tapping the banks to re-evaluate their own foreclosures for errors, reports the New York Times.

Banks are to sort improper foreclosures according to degree of error, with the seriousness of the foreclosure error determining how much aid a homeowner might get. But critics say the new process is full of conflicts of interest and many loan files are in disarray. “The whole process has been a slap in the face to homeowners and a slap on the wrist to banks,” said one homeowner advocate. On the other hand, the federal comptroller’s office has asked the banks to self-regulate their foreclosure practices before.

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104 Responses

  1. Ray Shelton, on December 19, 2013 at 12:20 am said:

    US Bank and SN Servicing has submitted Forged documents in our federal bankruptcy case too and we will never stop perusing them in court for damages. We are also asking our Federal judge to prosecute their current attorney out of Jacksonville Florida who continued to defend this case knowing that forged document are before a federal court. All the offending parties at SN Servicing and their attorneys are committing a serious crime against our country. We have filed a formal complaint with the FBI and the US attorney general and many great Judges all across this nation are finally stopping them from this kind of fraud on American families. US Bank and SN servicing and their attorneys are also violating a serious consent order that was to protect the people from these crimes but they could care less. Please feel free to have your clients join a class action suit so that we can end their behavior with a multi billion dollar punitive damage suit. Join us, call Ray Shelton in Florida at 352 274 8467

  2. Thanks ABBY…..I believe that. I have seen the IRON MOUNTAIN TRUCKS perusing the vicinities of the TBTF DISTRICT…

  3. Well the Marilyn, sounds like that attorney you hired has a lot of explaining to do. Seems like he is waiting around for the TBTF crooks to seize the entire joint and that is unacceptable. I would not give them time to pull a stunt. I would demand justice, and if your liberty is not upheld, I would sue the dirty crooks. We have become way to passive with these crooks and we are allowing them to tell us what to do. That is a crock of shit.

  4. This is to tell everyone on this blog…what I said whenever..were not lies…as the same issues merely came to this blog…I am sure you all know what I am talking about…it was the fact that I myself saw it much worse than what I had experienced along with and others .. on another blog in the past….it’s the fact of causing arguements among the bloggers…this is not the time or place for anyone to over-ride others comments…we are not in school…one does not only speak the truth and think all others are liars…or dumb to knowledge…it’s the fact when one is in denial….to issues that have come forth…….

  5. HERE YOU GO–BANKRUPTCY TRUSTEE’S LAW FIRM FILES LEGAL MOTIONS TO GET JUDGE TO APPROVE WHOLESALE DESTRUCTION OF MORTGAGE LOAN FILES—EVEN GOING BACK AS FAR AS 2004! THESE WOULD BE THE MORTGAGE LOAN FILES AND OTHER DOCUMENTS (SECURITIZATION RELATED, OPERATIONS) FOR…………….

  6. Oh geez, how does such an intelligent man get these psychos on his blog?

  7. NO GUTS…NO FREEDOM…NO LIBERTY …..NO INDEPENDENCE …. WHAT WILL NO GUTS GET YOU ….? JUST ONE THING…TOTALITARIANISM

  8. Marilyn obviously intends to deceive others by lying about me EXPOSING THE DECEIT & THE LIES BY THE COMMIE TROLLS …… I AM EXPOSING THE TRUTH ABOUT THIS ENTIRE FRAUD & SHAM AKA TOO BIG TO FAIL…….THE COMMIE TROLLS WHINE…..YOU CAN’T …..YOU CAN’T …..

    YOU JUST CAN’T EXPOSE THE TRUTH ABOUT TBTF IS WHAT THE COMMIE TROLLS WILL SAY…..OH YEAH…? DO YOU WANT TO BET….? GUESS WHAT? I ALREADY DID.. OH SNAP..

  9. No Marilyn, you did not push my button….I obviously rang your bell…..That’s right guest, I nailed everyone of you commie trolls and it is NOT impossible to SUE TBTF……THAT IS A HUGE FALLACY..NO ONE HAS THE GUTS TO DEMAND MONETARY COMPENSATION FROM THESE CROOKS…..NO GUTS….NO GLORY…

  10. Guest….Just to clarify …I merely asked stripes about suing the Feds as it is a repeat she keeps saying..SUE THE FEDS..I know it’s hog-wash to even think of it…there are bigger dogs in this country who can handle that…I wanted to know if she tried to sue them…since she was telling others to do it…and that pushed her button……………oh well……

  11. NAILED! NAILED! NAILED!

  12. Stripes..A/K/A iVent….Yes…we were both on another blog in the past…in all the time I was on it I never had one person ever tell me to shut up, stop the caps, to stop the repeating over and over…you would analyze and judge other comments as if you were the teacher of grade school kids ..I never had any problem…but you did ..alot of times…and you know it…you even got warnings ….it got to the point I felt my time was to valuable to waste so I left the forum…one could see your words were getting stronger with anger…you yourself said you had many appointments with various attorneys in Chicago area..not one would take your case…you made phone calls, ran to court records..it was like panic was setting in….you may not realize it but many saw it…alot of people were on that blog but no one had any problems or arguements but you…did you not see that or did you not care..? Now I see it on this blog…only worse. Not sure if it is a hormone problem or menopause but you need something before you explode…you have the same pattern as before only now when you comment one can see there is a problem…and by the way…DON”T call me a troll ..and for your information no one has sent me to attack you…I am not a tool to be used…I don’t go on blogs to attack..not everyone is like you…get off that high horse you are riding on…I list my name as I have nothing to hide..why don’t you? What are you hiding ? You had no choice in finding a lawyer..all turned you down, maybe it was your attitude that made their decision…now you are left to fight it alone…

  13. Yes stripes. But the CABAL includes the government & the courts and that’s the way they operate and if someone rises against them, like the recent cop in LA then they just burn him alive!
    Even though the Fed. is private it rules & no one has managed to sue it successfully as far as I know, not even the U.S. Government!!!

    Here is a related article plus comments:

    http://www.veteranstoday.com/2013/02/16/lapd-high-crimes/comment-page-1/

  14. TBTF ARE NOT THE GOVERNMENT(S). THEY ARE A PRIVATE FOREIGN CABAL OF BANKSTER THIEVES WHO HAVE HIJACKED AMERICA UNDER THE GUISE OF THEY ARE THE GOVERNMENT(S)……THEY ARE FOREIGN IMPOSTERS WHO ARE NOT THE GOVERNMENT(S)…..THAT IS WHY NOTHING TBTF DOES IS LEGAL OR CONSTITUTIONAL..THEY ARE TOTALITARIAN CONTROL FREAKS…..DON’T HAND THEM ANOTHER DIME AMERICA …… OR ANOTHER PIECE OF PROPERTY….SUE THESE TBTF IMPOSTER CROOKS WHO ARE NOT THE GOVERNMENT(S).

  15. @ Marylin, guests +:

    You can file a complaint against anyone you want but it just gets dumped as quickly as it was filed!.
    The norm of suing any federal authority is that first you have to obtain their written permission to sue them then to file your complaint & attach that permission else consider the complaint dumped in advance of filing it!

  16. This is certainly no longer a rodeo. This is now a troll dog & pony show.

  17. Just all sweet & innocent right marilyn…?….. NOT…. You’re certainly not the sharpest tool in their shed. They sent you out to attack me with a two year old script…..? HA….HOW UNDIGNIFIED, RIGHT..? That’s just like them so here is what i would do If god forbid, I were you, I would demand a better script and better pay or I would sue your ill reputed fedster bosses. Damned crooks & abusers of U.S. TAXPAYER MONEY IS ALL THEY ARE….

  18. Shove it Marilyn. I know you are a lying troll from way back in the game. You come on friendly and slowly try and outsmart your target. You aren’t that smart so you try and win by sneak attacking your victims. I only call out liars & deceivers. Do yourself a favor and freshen up your stanky routine. It’s not changed in two years. Better educated trolls please. Sheese, this is getting to be redundant and repugnant.

  19. Stripes…Look..I am not attacking the messenger as you always say of others…BUT..first I want to say, don’t talk to me as you may talk to your children…” Now do you get that Marilyn ?” I have long known it was/is the Federal Reserve as a 3rd party…that is something I found out on my own and not from you. Let me ask you..what actual proof do you have in your hands that prove it in court…I don’t think you have any, otherwise you would long be done in court .knowing is not showing…getting discovery is repeatedly refused by plaintiff…nothing filed on order to comply…so now its gotten to comtempt and sanctions…I skip over..something must be working since the Mills lawyers are no longer involved…an outside lawyer is in…nothing so far can be fixed or cured…it stands at comtempt and sanctions motion…So are you saying I have a ‘ caged mind ?’ Save your time and stop trying to tell people information they already know…you certainly are not the only person with knowledge of what is going on in past, now or in the future…we are well aware of the fight we face with many issues…and right now my fight is to prove the plaintiff has no right to foreclose..they have nothing to prove anything, but I do…otherwise they would have proved it before now…sorry I cannot go into any further proof I have right now…nothing is highly improper or evil and no attorney is using me up as you say.

  20. You seem educated marilyn so why are you allowing an attorney to ring you up…? He should have at the very least, got your daughter out of fraudclosure court by now and forced a mediation with these crooks. That’s the drill, the status quo. You have been paying an attorney for 3 years for what precisely….? That sounds highly improper and evil. What is the attorney fighting for you or itself..? Sorry, but it sure sounds like that attorney is using you up.

  21. Why are you paying a lawyer marilyn? The free ones will get you the same results.

  22. People are scaaaaared because they don’t want to face their real enemy. That is. pathetic and weak. People are cowards. An attorney told me your chances of winning in fraudclosure are the same with or without an attorney because these crooks want to steal everything from US….. Now do you get that Marilyn…..? THIS IS WAR ON ALL OF US..and unfortunately, fraudclosure is just one of many battles WE THE PEOPLE have to fight.

  23. No one wants to stand up to the FED beast, that’s the problem. Weak and closed minded individuals cower at the feet of tyrants. U.S. PATRIOTS DO NOT COWER AT THE FEET OF TYRANTS.

  24. Who you think is fraudclosing Marilyn….? The FEDERAL RESERVE BANK…IS FRAUDCLOSING AS A THIRD PARTY BECAUSE THEY ALREADY GOT PAID….YOU DON’T NEED AN ATTORNEY TO FIGHT & SUE THESE CROOKS UNLESS YOU HAVE A CAGED MIND.

  25. Stripes….You keep saying…Sue the Feds…Do you know of a lawyer who is willing to sue the Feds? Have you tried to sue them? People cannot even find lawyers to help them in foreclosure and you keep saying Sue the Feds…plus it takes money to sue…who has that kind of money? I realize what you are saying, but on a forum of people fighting to save their property…telling them to do that makes no sense. If you can start the lawsuit, I am sure others will join as word spreads..but I myself cannot think of starting a lawsuit when I am fighting one now to save my daughter’s home…and paying a lawyer past the 3 year mark….and when all is done and I have any money left..I plan to go on vacation to the nearest casino….cha-ching !!

  26. The trolls always attack the truth by attacking the messenger. That is how you know the truth is being exposed. Please, do your own research America. The truth is being revealed about this evil to all who really want to know.

  27. @guest, If I read a comment that is highly improper and misleading I will address it. You guest, never practice what you preach. You stick your nose in everyones business when no one asks for it. This is a forum to expose fraud & lies, not aid & abet them. I refuse to turn a blind eye to evil and fully intend to expose it when I see it and that includes you guest.

  28. Stripes is a Shill.

    The Pope resigned due to the fact that Vatican archives were announced to be released, and they generalyl disprove the Holocaust.
    No, 6 million did not die in a 3 car Garage -sized, vented room, by use of bug spray, in 18 months.
    Youtube ‘Gordon Duff Of Veterans Today on Vatican Archives Holocaust.’ He broke this story, and he is a Jew.

    Additionally, a Jew has been named as head of the Vatican Bank. Big surprise there too.

  29. Thanks Kareem, I have not had time to review it yet. @Stripes…. people are tired of being attacked by you if they do not share the same views as you. Lets agree, that unless someone specifically addresses you … you do not respond/attack them.

  30. Demand clear title plus monetary damages from the judge. If they did not have the note, the legal agreement at the onset, their suit was criminal upon presentment of those copies was proof of intent to harm by Concealment of the true facts of their case, the plaintiff was intending to gain unjust enrichment from you & intending to permanently harm you.

  31. @ guest + everyone arguing M E R S:

    http://kareemsalessi.files.wordpress.com/2010/04/2-4-12-salessi-petition-for-writ-of-certiorari-with-the-supreme-court-with-live-hyperlinks.pdf

    At page 10, in the above U.S. Supreme Court Petition, in my Case # 11-1013, filed and published February 2012, I disclosed the true nature of MERS as a very simple forgery operation.
    None of the incriminating facts I have published have been contested as to any one of the individuals or entities named, thus rendering those facts as readily ascertainable proofs-of-facts pursuant to Federal Rules of Evidence (FRE).
    You can ask your lawyer/s if you can use any of the facts which I have already established, in my personally published court-documents, as readily ascertainable proofs of facts to your advantage, or if you can use my personal affidavit (as to those facts) which he could then integrate into your complaint/s, or other document/s to fortify your case.

  32. Do Not Forget … You Still Need A Court Order to Clear Your Title! When you settle …. make sure the ??? ….agrees NOT to fight your QT action! Make sure it is in writing and part of your settlement agreement.

  33. All the buttwipes had to do was wait to get the fc deed (by ANY means), then they could collect on the taxpayers, take out their FEES and forward the balance/loss onto the Investers. Nobody knows about their Crimes or Profits! Nice Scam! But if a Wise Ole Lady (a Invester, taxpayor and homeowner) caught on to the scam, the Buttwipes would have to credit the Ins and Payments to the balance for the Invester and the Homeowner. :)

  34. The 1st defaulter collected the Ins and passed these loans on their books like hot potatos. The invester was never notifed and nor was the homeowners. Nice Profit for the Greedy Buttwipes! They kept the ins and kept collecting your payments! They did NOT pay off the only party owed an underlying debt ~~ the Invester/funder/lender!

  35. It took me along time to figure out why they would not put us on automatic payment withdrawl like we had been for almost 30years on our prior mortgages. Not hard to guess why now. And its certainly not hard to figure out why there was no escrow account.

  36. After four years of having our account screwed up, all we wanted to do was payoff the Buttwipe and take our Business Elsewhere. Four years was long enough to fix the account and we didnt need the headache or stress. How nice of them to ut ummm … to Help Us?

  37. Let me re-phrase that last statement. In Sept 2011 … MERS (as unlawful beneficiary) transferred the Note to MERS and then down the line.

  38. The MERS consent order was filed in April 2011. The assignment of our deed, MERS appointing MERS as Note Holder was filed in Sept 2011. Buttwipes!!!!

  39. I ask you again sir ….. Who authorized/appointed you as servicer/trustee? MERS? hahahaha

  40. A lawful beneficiary ….. The party to whom the underlying debt is owed.

  41. Only a lawful beneficiary can appoint a Trustee to FC. Simple Stuff!

  42. Simply put ….. If MERS does not hold the Note, it is not the lawful benificiary. Just ask MS! :)

  43. fwiw, poppy, I didn’t mean you. certainly not your comment at 7:04, which pretty much tells it like it is without histrionics.

  44. if the investors’ money were literally used to fund the loans instead of purchase loans already funded by someone else and then purchased in a manner which would guarantee bankruptcy remoteness, that’s one set of facts which would find “A, B, and C”, and that would be a real hornet’s nest.
    If the investors never purchased loans already made (sale not accomplished) and found themselves with mere security interests for lack of appropriately endorsed and delivered notes after the execution of an Article 9 Sale and Assignment Agreement , that’s another set of facts, which would find “D, E, and F”, including a very real possiblity if not fact that the banksters retained insurable interests and the loans were retired dollar for dollar to the extent of any insurance payouts. Those funds imo, even if in equity, belong to the investors holding a security interest. and should have gone to the investors, and the loans shouldn’t be treated as if the insurance had no impact as to the homeowner. But doesn’t that beg the question? WHY aren’t the investors after those funds?
    When considering this one (only security interests were created for the trusts), remember – take 10 – that the AIG’s were not able to demand subordination rights. The investors security interests were senior pursuant to article 9, and just getting subordination rights would expose the fact that the banksters retained interest.
    I don’t even know for a fact that AIG insured those loans. I’ve only heard it repeatedly. But if they did, are we to believe that it was unknown, esp to them, that the banksters retained insurable interests? If not, what interest did the banksters have to insure?
    If the loans were actually transferred to the trusts, how is it the banksters retained insurable interests? By way of their guarantees or by way of their repurchase agreements? Liability in a repurchase agreement may give rise to an insurable interest, I’d hazard. Or was the insurance just a side bet not contemplated by any insurance commission?
    I don’t know. Who the heck does? But I do know that as to insurance and also as to actual transfer v security interests there is a reason an assignment of the note is included in every “MERS” assignment and I also know there is a reason or reasons for the MERS Consent Order we don’t know about and yet continue to ignore as if it’s not significant and even dispositive. And I, for one, am still hugely troubled by that MERS contract with Genpact.
    Imo all the off-topic comments posted here repeatedly, regardless of how terribly fascinating, are RED HERRINGS designed to distract and move attention from the real issues, some of which must have gotten too real for the banksters. Their campaign has been partly if not largely successful. I urge everyone not to let this continue: ignore it and it will die because it needs feedback to survive, trust me. Ignore it and get back on point: fraudclosure.

  45. Here’s a hot potato….Fannie Mae sent one of my in laws a letter last year that stated the lien on their home was never secured.

  46. I didn’t find out until 2011 about the bankruptcy either.

    Fighting in Delaware with a late claim issue. Don’t see much hope there, but hanging in there. My case in NC was just dismissed last week. The trustee is the lawyer for Ocwen…really? We have been fighting these cats since early 2009. been in and out of court at least 6 times and three dismissals. Now, they say they have acquired a blue-ink note from 2007. I say Bulls**t. It just blows my mind how much they all lie, forge documents and get away with it!

  47. “helps” is not part of my email…

  48. @ colleen

    Anything helps…newenglandblonde@yahoo.com. Thanks, in advance.

  49. LOL! Poppy! I get your Frustration! Hang In There! It is over Soon! :) You have what you need and they know it! That is why in some cases or NO cases have been stalled for a couple of years.

  50. Poppy,
    I have that trust on 2 “liens”. We did CH 7 in 2010 never
    being told at the time that New Century was in bankruptcy too.
    I think it was made up. We’re working on something
    FAR better than ANY of these scams to lie bold in our face that
    WE paid to have knowledge in-no more….
    If your interested, send me your email as REMEDY is on it’s way..

  51. Anyone here know anything about the CSMC Trust NC1 OSI 2007? I cannot find anything after early 2008…need to verify how long it existed.

  52. I get it…the glaring thing in Obamacare: How can you mandate buying anything with the private sector dictating skyrocketing prices?

    Any Universal Health care should have completely “ELIMINATED” private insurers, to maintain costs and accessibility…period!

  53. Poppy, our entire Constitutional Republic, all of our freedoms and liberties are under attack. The truth is now self evident, this secret war against every American went into high gear when they assassinated J.F.K and is no longer secret if we bother to pay attention. These powers working behind the scenes have intentionally been working against us to overthrow the power of the people, our Constitutional Republic and none of what they have done or are doing is moral, ethical or legal anywhere in the world, let alone in our Constitutional Republic.

    The OBAMACARE scam to secretly create an authoritarian, totalitarian Government was written under the Clinton administration, this coup on our Constitutional Republic was well planned and is being implemented by these traitors through their agent Obama. These traitors in Congress, the Senate, and their House Legislators along with the Supreme Court, and all throughout our judiciary are the real dirty rats here. They have all of the power to stop this and they refuse and keep blaming the useful idiot.

    Therefore, the superior power of the American people is granted to every naturalized American Citizen. We have the power to reject them and all of their illegal b.s. and not comply, cooperate or conform until the proper legal corrections that we deem are acceptable, are made.

    WE THE PEOPLE have to demand our grievances be redressed and the rule of law be implemented.

    OBAMACARE IS GIANT FRAUD yet, the American people in large part, refuse to even bother to look into it. That is unforgivable.

    The truth is now self evident, the politicians are traitors and therefore, the people must revolt. The traitors & crooks and all of their fraud must be rejected and the people must stop going along with it until liberty and justice, our Constitutional Republic is restored.

  54. And I’d like to know WHY we have to spend the last of our saving/earnings to defend ourselves against FRAUD committed AGAINST US?

    Where the hell does our criminal justice system get off, making us, the victims defend what the entire FREE WORLD knows? We have fraud in the origination, wire fraud, forgeries in the deed offices, conversion, perjury, false representations…the list is long and we the homeowners were late on a couple of payments in the beginning? WTF; the punishment doesn’t nearly fit the circumstances. Our government is not just accountable, the ATTORNEYS are too. As a matter of law, the attorneys are aiding, abetting and enabling the crime…not to mention the perjury they commit, which is a direct violation of their oath.

    As for myself, I am looking to see if I can amend/modify the DOT in my district, to put the PROPER lender, which is RBC in place of the New Century originator.

    Recently, I found out the note was charged-off and sent to Ocwen, from Carrington, who bought all servicing rights from New Century. The foreclosure suit says, Credit Suisse “seized” the note from lines of credit, NC defaulted on in 2007. The HUD says RBC lent the funds? Bullshit, seizure was not lawful. And where Judge Carey says on transcript, the court is not concerned with your loan as it was prior to filing the bk…now, I find a transcript on Exhibit F, p.125,126, where he allows the sale/movement of pre-petition loans, signs the order. Also, 90 day claw back, under bk rules, which we have asked for and he ignores!

    We get an amended repurchase order, via Carey and the trusts Defense Attorneys, where it was faxed from a DMD office in NJ on Sunday, 03/11/2007 (732) 936-1424, a working number for the doctor as of 2012 and date of the notice of default is scratched out with a pen to coincide with the seizure date. I mean really, this garbage is admissible in the courts now?

  55. It is a sad shame Marilyn, how the American people could be going along with any of this any longer. Brainwashing, lack of time or the toxic environment are not valid excuses. We were all believing their lies at one time, no one has the time for this and we are all living a in their toxic waste dump. However, when we get the wake up call, we must make the time to educate ourselves because it is apparent when you the truth, this has been a personal attack on each one of us since they assassinated J.F.K., They are greedy and selfish beyond belief and they want it all…they want our individual freedom and liberty. We as a free and open society cannot allow that. These traitor politicians have sold the American people out for money and oil and that is unacceptable in the Wealthiest nation on earth because WE THE PEOPLE are WHO PAY FOR EVERYTHING. Therefore, it is time WE THE PEOPLE held them all accountable and stop complying, conforming and cooperating with these traitors and their greedy criminal friends..

  56. Just about everything Obama has put in place, not LEGISLATED, is a scam. Who puts a mandate for health care in place, WITH private insurers pricing the market? NO ONE!

    Who advocates higher minimum wages with no relief from staggering inflation…prices; doubling-tripling?

    The military conflicts add up by the day and the cost of being a global 9-11 service, to corporations that have left us, took jobs and pay no taxes ask repeatedly for taxpayers assistance? You left this country, pay for your own security!

    We have absolutely no infrastructure to ease the “congestion” and dependence on oil, with a government energy department bureaucracy costing BILLIONS of dollars, which was meant to lower our dependency on oil. Where people are “forced” to work in any conditions, just to maintain a place to stay…as the reality is: most cannot afford a house, the way the interest has been calculated @ 2 1/2 times the value. This is not 3.75% per annum folks!

    The banks are not only stealing, cheating and breaking EVERY law in the criminal statutes, but laundering drug and terrorists money, with the approval of the Justice Department, while we are paying for the department of homeland security another BILLION dollar, private corporate scam…what a crock of shit!

    There is much talk lately of “vote” fixing…Hmmm, a program that can alter votes in elections.

    The ugly truth is: this is not hidden anymore, it is obvious to all. The arrogance and depth of this treason is incalculable.

    The Fed NEEDS to go, Geithner needs to be arrested, with Bernake and the entire clan of mobsters in DC. They are nothing but thugs in suits, incompetent-freaks…serving up slavery, indebtedness and life-long service to the “finance” industry, who are Barons to all the wealth they can steal, with the swipe of a pen!

  57. For those who have little or no knowledge of the Corporation of the United States…this is a great site to read… http://reality-bytes.hubpages.com/hub/The-Corporation-Of-The-United-States-Of-America This will help to understand all about what we call government…it will shock many…it opens our eyes very wide ..and why we see no one going to jail..why we are called the criminals and banks the victim…what happened to our Republic and our Constitution..the whys are many…Please read this and pass it on to family and freinds…

  58. Stripes….Your comment at 9:06 was right on with what I have said for years….being called critical, finding fault..I would just tell them they were ignorant and showing their lack of knowledge…I was taught to look through (not at) the problem to the seed that caused(es) the problem..and the solution will come forth…this has always worked for me…before we had computers I spent time in the library searching…so what I have gathered in knowledge goes back many decades. What we have seen or experienced in the past all had a pattern like a blueprint…that has taken us to what we now call totalitarian dictatorship or communism…was I being critical finding fault ?…I don’t think so..it is here and now. Foreclosures are the reason the fraud was found..not errors, fraud on millions of people in this country..world wide… evil tripped itself…this is just the beginning as the world wakes up after years of sleeping…now the Vatican..hiding behind the heavy robes of glory..and this is not the end..just beginning…

  59. The cover up for the J.F.K assassination always bugged me alot. I often wondered why the people just went along with that whole charade. Now I see history repeating itself on a much bigger scale with 9/11 and this massive ongoing robbery of the American people. There is no excuse for it nowadays with internet access to everything and anything imaginable. These crooks have been terrorizing US for over a decade now and it never stops. Why any American would be cooperating with this rogue foreign Government operating black ops on U.S. soil in this day and age is unimaginable. There is simply no leadership in our Constitutional Republic and that needs to change.
    WE THE PEOPLE are badly in need of Constitutional and Legal educators. We need leaders who “get it.” We need educating, strategies, a game plan and leaders if we want to restore this Constitutional Republic. We can’t unite if we are uneducated and have no leadership.

  60. I was watching the you tube video series entitled: The men who killed Kennedy: the truth will set you free. This attack on the American people is the same exact pattern of criminality and cover up as with the J.F.K. assassination. That was a coup de tat of our Presidency and this is a coup de tat of the Treasury and all of our wealth. They are assassinating the American people in increments of a few hundred thousand at a time. This assassination and terrorism of the American people began on 9/11…..same cover up as with the Kennedy assassination…..disappearing evidence, disappearing documents, judges turning a blind eye, no paper trail, dead witnesses and uninvestigated Govt conclusions that don’t make sense. Same control fraud scenario, some new faces, same criminals. When it makes no sense and things don’t add up, it’s the 8 illuminati banking families and their evil minions and cohorts at the Vatican. Their reps are in all positions of power in all nations. Sue the FED…

  61. Trespass…..they were doing this fraud before it was legal….

  62. I think the banks can’t hide.
    When the regulators gave them the option, that was one thing, but there is a solid enough paper trail to show there is a huge problem.

    See for years people filed taxes and took mortgage interest deductions, so there is the paper trail of who they were paying interest to.

    Some of us were robbed by people we weren’t paying a dime to.
    In my case, after the theft, I got two 1099A’s one from Fannie Mae and one from the company that dispossessed me and made me leave my home. I had equity, they lost nothing, they loaned nothing, there was no meeting of the minds. They said they had an interest in my home and I told them I had an interest in my home. With the upkeep I should have been paid labor and more for keeping the property in a saleable condition.

    They threw our property on their books, claimed it as an asset, the trustees were supposed to protect us by keeping track of the true holder of both note and deed, but they chased the same money to be one of the clients of the banks foreclosing and the workers who’s energy was used in the transaction and to pay the note, got the short end of the stick.

    But for those who fought, there is enough evidence in our answers to reveal the fraud if the purported transactions.
    Strange that they knew to use the courts as a way to set up their right to foreclose by filing a notice of default that the court would destroy in one or two years. Someone sent me a link where a county will begin to notify you if anyone files documents with that count clerk, using your name.

    Even if they make them look over the foreclosures, there are those agreements, like a judgement via an appeal or a bankruptcy where the decision is final. One of those, you waive all rights to do something else if you go through with this thing.
    Part of that no law impairing the obligations of contracts.

    See they made the contract when they stole the home, but you’d make the contract to fight them on appeal. They make the contract to foreclose on your home, and you make the contract to get a stay in bankruptcy and go through bankruptcy hoping for a favorable outcome.

    You have to learn the law of contracts to know when something that happens to you was by your will, or against your will.

    Sounds tacky I know, but this was a nasty test.
    From a cosmic standpoint, the people were to know ‘who they are’, and deal with the theft in a WWJD (what would Jesus do) kind of way. Stand before them being who you are, and if their judgment is against you, they carry the karma.

    Karma is coming back. Patience is a virtue.

    I personally didn’t want anyone holed up in my home claiming it as theirs. The family that moved into my home, hardly ever leave the house. It’s as if they are paying mortgage to be there but squatting at the same time hoping to keep the place.

    No one can convey a right they do not have. That’s a legal maxim. For banks, it should be; no one can convey rights to property they didn’t have original standing to own.

    My home is a nice home.
    The people living in it, don’t take care of it and the trees and landscape like I did. Maybe some people are meant to rent?

    I should be paid cost, loss, equity, and treble damages, and get the home back, because I’ll have to do a bit to make it “model quality” for me to move in and live in it again.

    Trespass Unwanted, Corporeal, Life, Free and Independent State, People, In Being, In Jure Proprio, Jure Divino

  63. Christine can’t say this is getting dull anymore…I think she just had to run to the vomitorium…and she’s now riding the porcelain bus..

  64. NOW…..CLEAR TITLE & BIG FAT CHECK ASAP…

  65. That’s right America, these crooks gave me an ALL NEW PROPERTY TAX INDEX NUMBER (PIN) NUMBER IN 2000…..RIGHT AFTER GLASS STEAGAL WAS REPEALLED IN ORDER TO COVER UP FOR THE FACT THEY WERE DOING THIS SCAM WAY BEFORE IT WAS LEGAL….!

  66. CHRISTINE IS A LYING SHILL FOR THE BANK OWNERS & INVESTORS…..DON’T BELIEVE HER…DO YOUR OWN RESEARCH….IT’S ALL TRUE….THE REPEAL OF GLASS STEAGAL WAS A COVER UP …..THE FEDSTERS & WALL STREET WERE DOING THIS MORTGAGE FRAUD WAY BEFORE THE REPEAL OF GLASS STEAGAL…..CHRISTINE IS A LIAR &A FRAUD..

  67. IN THE YEAR 2000…..8 YEARS AFTER I PURCHASED MY HOME THE COUNTY GAVE ME A NEW PIN AND HID THE ORIGINATION FRAUD THE FED COMMITTED IN 1992 UNDER THE OLD PIN……THE ATTORNEY WHO WORKS IN THE COOK COUNTY RECORDERS OFF DOWNTOWN CHICAGO TOLD ME THIS……SHE TOLD ME THERE ARE NO LIENS ON MY HOME EITHER….NONE….

  68. Don’t allow yourself to be deterred by the likes of the shill.

    Except in a few states (I believe CA is one of them), attorneys can be be retained for less than your mortgage payment. Then you have a choice to make: pay him or pay your mortgage. No one said it would be easy. You can fight intelligently by finding a competent attorney (and I have posted over and over for 2 years on how to go about it), you can fight stupidly by representing yourself while knowing nothing of the system or you can fold like a cheap suit.

    If you fight, you still have… a fighting chance (duh!) And if the shill scares the pants out of you, no one can do anything for you.

  69. NO CHRISTINE THAT IS A COMPLETE LIE…..THIS. DESTRUCTION OF OUR TITLE FRAUD…THESE CRIMES AGAINST US BEGAN IN 1982 …..

  70. THAT IS A COMPLETE BOLD FACED LIE CHRISTINE AND I CAN PROVE IT…..

  71. People…..please read my comment at 6:35 …Christine the commie is trying to cover up the truth with her stupid people video…..These crooks were committing these MORTGAGE FRAUD FELONIES against US WAY BEFORE THE REPEAL OF GLASS STEAGAL….THE REPEAL OF GLASS STEAGAL WAS A COVER UP FOR THE TBTF GOVT CORPS DESTRUCTION OF OUR TITLES………THE INTENTIONAL DESTRUCTION OF OUR TITLES BY THESE TRAITOR POLITICIANS WAS HIGH TREASON AMERICA…!

  72. “…only a decade ago these crooks were recording legal liens.” That is absolutely true. 10 years ago, even though some liens were not recorded, the great majority still was. The insanity became systematic and endemic around 2005-2006. Go back to O’Brien and other recorders’ lawsuits: they claim(ed) the same: starting on or about 2005. So… that guy is right.

    Is people’s mission in life to sap others’ morale? Oops! I forget that’s what shills do. Try to kill hope in everyone else…

  73. Excuse me for this people but this commie biyatch needs to be told to go piss off….Christine, go piss off…

  74. DO IT THE WAY WHO DOES IT CHRISTINE…? I DON’T KNOW OF ANY ATTORNEYS FIGHTING FOR THE AVERAGE AMERICAN…..THEREFORE, THESE MUST BE PEOPLE WITH MONEY WHO CAN AFFORD TO PAY THROUGH THE NOSE TO HIRE ATTORNEYS TO SUE THESE CROOKS FOR THEM. ……IT IS COMPLETE TREASON AND COMPLETE BULLSHIT….! EVERYONE IS EQUAL UNDER THE LAW…..

    AND TELL YOUR COMMIE PROFESSOR FRIEND HE IS A LIAR & HE IS FULL OF SHIT TOO… RE HIS CRIMINAL SUGGESTION TO REPEAL ARTICLE 3 AFTER THE CRIMES HAVE ALREADY BEEN COMMITTED…..NO EX POST FACTO LAWS JERK OFF ….. THESE LYING TRAITOR BASTARDS ALL NEED TO BE HUNG..

  75. As far as I and millions like me are concerned, the battle has been won. It is worldwide and it goes way beyond this country. Don’t believe and keep being scared or believe and learn how to use it. Your choice.

  76. The Professor in that link Christine posted below said ….only a decade ago these crooks were recording legal liens. WELL..I HAVE NEWS for that Professor….you can go all the way back to 1982 and there are still NO LEGAL LIENS RECORDED ON THE PUBLIC RECORDS. This fraud began in 1982 according to many professionals in the mortgage industry…..WAY BEFORE THE REPEAL OF GLASS-STEAGAL IN 1999……The repeal of Glass-Steagal was yet another cover up for what this TBTF GOVT CORP WERE ALREADY DOING WITH OUR BUILDINGS…MAKING THE U.S. TAXPAYERS PAY FOR EVERYTHING AND SELLING INVESTMENTS IN OUR BUILDINGS VIA WALL STREET INVESTMENT BANKSTERS TO THE FOREIGNERS……I can prove it….I purchased my home in 1992……THE RECORDER OF DEEDS OFFICE TOLD ME THERE HAS NEVER BEEN A LEGAL LIEN RECORDED IN 18 YEARS & AS A RESULT OF THAT, MY HOUSE IS PAID FOR…I CAN LIVE IN IT …SELL IT…OR DO WHATEVER I WANT WITH IT YET…..I AM FIGHTING FRAUDCLOSURE PRO SE …..THESE POLITICIANS ARE COMPLETE CRIMINALS & ABSOLUTE TRAITORS….

  77. And this all time best read. It’s been revised a few times to accommodate the recent developments but it’s still very relevant. So far, it’s working for many, including myself…

    http://www.msfraud.org/Articles/mortgage_servicer_scam.pdf

    Mortgage Servicing Fraud is REAL!
    Avoid being cheated out of your home before it’s too late!
    Document version 1.5
    1.9 1.7

    DO IT THE WAY THEY DO IT: SUE FIRST, ASK QUESTIONS LATER!

  78. Very important article, loaded with case law and it puts the OPPT UCC filings into perspective, for those of you who really, really don’t want to believe that things are, indeed, moving in the right direction. And by the way, I will keep on claiming it. So, attack away.

    http://douglaswhaley.blogspot.com/2013/02/mortgage-foreclosures-missing.html

    Monday, February 11, 2013
    Mortgage Foreclosures, Missing Promissory Notes, and the Uniform Commercial Code: A New Article

  79. There were banking laws, trust laws and securities laws already in place. They are all full of shit for trying to pretend that there were none. The financial sector were doing whatever the hell they wanted and they still are. .Warren and others want SOCIAL JUSTICE FIXES FOR CRIMINAL FRAUD AND THE INTENDED FAILURE OF SOCIALIST COMMUNISM IS TOTALITARIANISM ……Take Dodd Frank and their protection for TBTF…..WTF? Sue & Jail the crooks….!

  80. One incredibly evil thing they did ….they stole the property of the victims with no income first…..sue these crooks America….!

  81. Securitization was a TBTF GOVT CORP black op, Psy op….Securitization…Globalization these are psychological methods of control by these Globalist communists….these insolvent on their balance sheet crooks who want US to believe investment in what WE THE PEOPLE PAID FOR 100X OVER IS OWNERSHIP…..NO…THESE CROOKS ARE FRAUDS….THEY DON’T OWN ANYTHING BUT YOUR MIND IF YOU BELIEVE THEM…

  82. I agree Charles about the deception. However, this is a wake up call to the American people and if you get the call and don’t want to become proactive and educate YOURSELF…. that is unfortunately going to be to YOUR OWN peril.

    What good is accepting a loan mod of massive unsustainable debt….? One attorney found his clients credit slip had 607 investors.

    NO EXCUSES AMERICA, PUT DOWN THE REMOTE CONTROL….SHUT OFF THEIR DISTRACTIONS…..IT IS IMPERATIVE THAT _YOU_ MAKE & FIND THE TIME TO EDUCATE YOURSELVES… YOU have for the first time in history, access at YOUR fingertips to ALL OF THE LAWS and information that YOU NEED to FIGHT FOR YOUR LIBERTY.

  83. Stripe I get it with the 800,000 should not have been placed into a modification because of the fact that it is just that and not a refinance, however that people who did not have the money or the knowledge or could find an attorney that had a clue as to what the trillion dollar bank were up too, in order to mount a defense.

    Right now 99.9% of the public or professionals understand the securitization that we been talking about today. But what the banks and Ginnie Mae did was by not modifying was to make it able for someone to come along like myself, and make me lend how exactly the crime was committed. Had I and other been simple offered the modification before all the homework was done there would not have been reason to search further, as the problem was resolved to the knowledge at the time.

    However as this just dragged on and more knowledge gained and the different report as to how many non modification and what put a stop to what I think, was the end of the road is that OCC & Federal Reserve Bank by me of the fact of the government loan situation, they knew it was impossible that every Ginnie Mae pooled loan could not be modified instead they were foreclosed. Only the few that were not pooled were modified.

    Yes at first the bank got away scot-free, but investors including the Federal Reserve got taken, and the Fed itself had to challenge just how these loan were put together and did Notes get placed into trust. However nobody figure out the Ginnie Mae twist to this latest part of the corruption!

    Once you get pass the secrecy of Ginnie Mae this thing is the easy trail to each loan because there only one place this paper can go. It impossible to have had a $70 billion loan lost over at the FHA.

  84. What could possibly go wrong with anything to do with this cabal of traitors and communist control freak crooks AKA….the TBTF GOVT CORP…..? You have to know who the foreign controlled enemy is THE TBTF GOVT CORP.. and what they want to destroy our Constitutional Republic and fraudulently induce…TOTALITARIANISM..a one world Global Tyranny…..and remember …. they are all terrorists and communist crooks, shills and liars and they are all full of shit. That as how you will know EVERYTHING & EVERYTHING that can go wrong will and it is INTENTIONAL…FRAUDULENTLY INDUCED MURPHYS LAW…TBTF’s BRAND OF HELL ON EARTH…

  85. Diane Sweet summarizes it the best…

    February 14, 2013 12:00 PM
    Big Banks To Review Their Own Foreclosures

    By Diane Sweet

    bankers

    The Big Banks accused of abusing homeowners will now help to decide who gets foreclosure aid dollars. What could possibly go wrong?

    Via:

    Washington is seeking help from an unlikely group in its effort to distribute billions of dollars to struggling homeowners in foreclosure: the same banks accused of abusing homeowners with shoddy foreclosure practices.

    In doing so, the regulators are trying to speed the process after a flawed, independent foreclosure review delayed relief for millions of borrowers, according to people briefed on the matter. But housing advocates worry that the banks, eager to end the costly process, could take shortcuts as they comb through loan files for potential errors, in some cases diverting aid from the neediest homeowners.

    Regulators say they will check the work. And banks have already agreed to pay a fixed amount to troubled homeowners, creating another backstop.

    According to officials involved in the process, who spoke anonymously because the matter is not public, the regulators had few alternatives.

    These are the same regulators who just a month ago didn’t trust the banks.

    Here’s how this is supposed to work, the Big Banks will now have to assess each loan for potential errors — errors they never admitted to in the slap-on-the-wrist settlements with the Justice Department — which will then help the Big Banks determine how much money each homeowner will receive.

    Wow. How about just sending bankers door-to-door and have them slap the 4 million homeowners who lost their homes to foreclosure in the face?

  86. Guest says don’t listen to anybody here but, she turned around and re-worded what I said and parroted it in a more politically correct form. That’s exactly how the TBTF GOVT CORP OPERATES….

    Don’t believe anyone is my motto…do your own research. I already did mine and came to the conclusion a long time ago these crooks want to overthrow our Constitutional Republic and create a Totalitarian Authoritarian Global Government without our knowledge or consent. Just like they did with those worthless credit slips they called mortgages.

    Therefore, upon my discovery of all of their criminal fraud, I reject the TBTF GOVT CORP and all of their fraudulent unconstitutional and illegal criminal crap.

  87. [...] Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud Tagged: follow the money trail, OCC, self-regulation, wrongful foreclosure Livinglies’s Weblog [...]

  88. @ MariK.
    No experts here except Neil Garfield & whoever can be positively verified as expert. So don’t fall for anyone’s crap, especially anonymous ones.

    I know over a dozen people who filed those docs with OCC & independent foreclosure review scam-artists. Not one received a penny. Most of them didn’t even receive a letter acknowledging receipt of their complaint!!!
    This is a massive plan to steal majority of U.S. homes. Recent article & its comments provide some understanding of what is happening here:

    http://www.veteranstoday.com/2013/02/09/the-great-imposition/

  89. The truth about the loan mods Charles IS, these TBTF crooks want to RE-SERVE US UP SOME UNSUSTAINABLE MORTGAGE FRAUD DEBT…..TO DO US IN FOR GOOD….. these pigs and crap these TBTF crooks sold as mortgages were never mortgages. They were all set ups to fail by the TBTF GOVT CORP as ex FDIC CHAIR Sheila Baird said. Know what they call these set ups to fail when they fail….?! FALLEN ANGELS…..THATS RIGHT…THEY ARE A TBTF GOVT CORP OF CREEPS AND WEIRDOS….REJECT THEM AND THEIR RE-SOCIALIST TOTALITARIAN CRAP…..!

  90. 800,000 should not have been modified in this manufactured horrible economy…..Sign a new debt ….a new note & mortgage and lose your ability to pay and you will be done. Any acceptance of any new debt by these TBTF crooks is another set up to fail by these TBTF crooks AKA THE GOVT CORP……THAT WAS TOLD TO ME BY AN HONEST ATTORNEY….REJECT THESE TBTF CROOKS DEBT & SUE THESE ROBBERBARON THEIVES AMERICA…!

  91. Their banking collapse threat has no validity when you know this fraudulently induced Govt Corp of TBTF crooks have stolen $60.4 trillion dollars of our wealth since 2008 backed by the U.S. TAXPAYER’S initial stakeholders investment of $12 trillion dollars.

    Our properties are now only worth what the vultures will pay. This GOVT CORP OF TBTF crooks have destroyed the value of everything WE THE PEOPLE PAID FOR by committing a Quadrillion dollars in fraud in our names, with our stolen wealth and signatures and without our knowledge or consent.

    Stop participating and enabling them & sue this TBTF GOVT CORP of crooks America for robbing US and handing US their bill for our robbery….

  92. I get your direction, because looking back the OCC & Federal Reserve Bank in Sept said that 800,000 should have been modified but were not that were process through the HAMP.

    So now banks who went uncovered or unchecked by regulators in obvious crimes as Docx President Lorraine Brown is on a Nation wide plead deal agreement with all States where her ordered forged assignment enter local counties land recording records, and were used to foreclose on millions of properties.

    OK so it is a fact that Ginnie Mae pooled loans could not be foreclosed as they were denied a modification, because Ginnie Mae was and is in possession of the blank Notes but are without the power to modify or foreclose as they did not purchase the debt and are not “holder in due course”!

    Now you got a case where in all the Ginnie Mae held loans that were foreclose by these non-financially interested parties, submitted insurance claims against the Federal Government insurances in FHA Mortgage Insurance Premium and VA Guaranty Fund.

    Banks are in between a rock and a hard place, where they could try and work financial arrangement with the already know victims for a settlement and return the insurances plus some agreed to amount to the government, or as Wells Fargo saw in the last few days that the government is going after them for the 10 years of abuse, that the judge of the ROBO signing did not wipe out Wells FHA slate clean.

    Ginnie Mae pooled loan cannot be given back to the lender who placed it into the pools because the Note is now and forever not a Note because there is no debt associated with it to make it a Note. The document is blank of who it is endorsed too, and there is no proof on earth that Ginnie Mae purchase the Notes, that they are not allowed by law and rules to ever buy of sell!

    The balls in the Banks hands because it only take one large class action suit, plus the False Claims submitted against the United States insurance is owed to the taxpayer!

  93. The ongoing GOVT CORP AKA TBTF theft of our wealth is not about the money for these Globalist crooks. Their greed is for much more nefarious puposes. They are complete control freaks so for them, this is about weakening the minds and pocketbooks of the American People so severely that we will be forced to accept their Totalitarian Government.

    Just say no to their fraud and reject it & reject them…refuse their fixes for fraud & demand the rule of law, liberty & justice be upheld. Clear title & monetary damages for every American is the only proper correction for these egregious crimes against the American people by this TBTF GOVT CORP OF ROBBERBARRONS.

  94. OK all you experts:)
    How can we monitor these money offerings from the OCC ?
    I lost my 4-plex, was violently evicted, and filed the OCC paperwork in Jan 2012. Citi resold it about a month ago for $46,000 less than I OWED THEM AT FORECLOSURE !

    BTW, I qualified for the SaveMyHomeAZ program.
    I am homeless and want my property returned !!!!

  95. Info is slowly beginning to leak out about the real reason why the Pope resigned. One report says he was forced to resign or he would be arrested for being complicate in criminal activity at the Vatican Bank. Certainly this is no different than what these greedy crooks are doing at the U.S. TREASURY… CNBC reported these crooked banksters and their cohorts and minions have stolen $60.4 trillion dollars from US since 2008….. for the latest on their crimes against humanity..

    http://www.fourwinds10.net/

  96. It’s only a question of time before it happens here too.

    First Monte Paschi Banker Arrested With $54mm Stash
    Tyler Durden’s picture
    Submitted by Tyler Durden on 02/14/2013 09:22 -0500

    Unfortunately for the apparently not quite big enough to not fail Italian bank’s former leaders, the Monte Paschi derivative debacle just won’t go away. As Reuters reports today, the first (or many) arrests have been made. Gianluca Baldassarri and four other people suspected of criminal conspiracy to commit fraud were arrested after police seized EUR40mm of apparently ill-gotten gains. The alleged fraud and bribery case charges Baldassarri (who left shortly after the arrival of the new CEO in Jan 2012) of misleading regulators over the true nature of a secret derivative contract that was found in a safe by the bank’s new management in October 2012. Echoing JPM’s London Whale, they uncovered a ‘systematic overshooting of risk limits’ in the management of the group’s EUR24bn prop book. Baldassarri was arrested quickly after the police found evidence that he was trying to cash in securities worth over EUR1mm soon after the funds were seized.

  97. The American people and our Constitutional Republic are being held hostage by this fraudulently induced Foreign Controlled Govt Corp of Communist Dictators they call Democracy.

    Democracy flies in the face of our Constitutional Republic….Democracy and Globalization are nice sounding words for TOTALITARIANISM …

    OBAMACARE is AN ABUSE OF POWER…..OBAMACARE IS UNCONSTITUTIONAL & ILLEGAL…..OBAMACARE IS the installation of their FOREIGN FEDERAL AUTHORITARIAN GOVERNMENT, THEIR GLOBALIST TOTALITARIAN DICTATORSHIP…

    Therefore, WE THE PEOPLE must reject the evils of this totalitarian dictatorship and stop complying, conforming and cooperating with it. The more we accept it, the more intolerable our lives will become.

  98. Agreed Poppy, no more asking, we demand!!! now to get the stupid gov to grow some,but they are too doped up and greedy we need to replace all…jail ALL, so now the priest is going down… hopefully… so will others. see here http://itccs.org/ and pray this happens…. the public has EYES Wide OPEN
    Happy Valentines and blessings

  99. Neil: You are absolutely right, that THEY HAVE A PLAN, and an evil one at that which is to give banks time and money to steal more homes. By turning this country into massive Palestinian refugee concentration camps they are reaching their evil goals of total world control, as well documented by articles of Veterans Today news channel like this page: http://www.veteranstoday.com/2013/02/10/elite-underground/

  100. They need to look at the origination – not the the foreclosures…start with the false appraisals and fake loans that induced the home owner..Just like the rating agencies who induced the investor to buy the bond. This is where it begins – Researching the means to the end will not conclude the wrongful doing by the banks. Not to mentioned the US Congress who intiated the crime which resulted in tearing down this country one mortgage at a time. The orignators are the people and institutions that need to be jailed !

  101. So, they “asking” the banks to do the legal thing, not TELLING them, do it or else. RICH!

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