U.S. v BofA: Countrywide Eliminated Underwriting Standards

EDITOR’S NOTE:  The complaint below is from the United States Atty. for the Southern District of New York gives us a clear picture of the processing of loans without any underwriting standards at Countrywide and other aggregators across the country. The complaint is not authority, but it is a guide for what you can allege and what you can ask about in discovery.

It is time to ask the nuclear question, to wit: in light of the revelations that are already in the public domain with dozens of whistleblowers, is it not reasonable to assume that the aggregators not only knew about fabricated, forged and inaccurate loan applications, but actually intended that result. I ask that question because of the number of attempted prosecutions of people for mortgage fraud, when mortgage fraud was exactly what Countrywide wanted.  They clearly wanted the highest possible volume of loans approved under circumstances where it can only be assumed that they wanted those loans to fail, in order to be paid by insurers, counterparties on credit default swaps, the federal government in bailouts and now the Federal Reserve which appears to be  buying $85 billion in worthless mortgage bonds from the financial industry every month.

  Thus Wall Street collected money from the investors (and took a share of that and put it in their pocket), collected money from borrowers (and took a share of that and put it in their pocket), collected money from insurers which went only into their pockets, collected money from the proceeds of credit default swaps which went only into their pockets,  collected money from the government in the bank bailouts, collected money from the government sponsored entities who guarantee the loans, and are collecting money from the Federal Reserve who are buying worthless mortgage bonds which have little or no interest in any secured loan, residential or otherwise. On top of all of that Wall Street has taken the homes of more than 5 million families and is expected to take the homes of another 5 million families —  supposedly to cover the “loss”  on mortgage bonds they never owned and mortgage loans they never owned.

And then you have the real question, to wit: why would banks create a scheme that originated loans, most of which were destined to fail in one fashion or another? And the answer is unavoidable and incontestable: they did it because that was the way they could make the most money.

And then the second real question, to wit: why would banks want foreclosures but not want the property?  And the related question is why would they want a foreclosure under circumstances where a modification would produce far greater proceeds to mitigate the loss on a loan that a foreclosure? And the related question to that is why would the largest bank in the world adopt a policy of fraud in order to guide people into foreclosure deceiving them into thinking that they were getting a modification? And the final question related to all of that is why with the modification not become permanent after the borrower has done everything correctly during the trial period?  The answer is extremely simple: the foreclosure process is the largest cover-up in history for the largest economic crime in history; it provides cover for all of the defects, multiple payments that were already received and never disclosed, and the diversion of money and property from investors and homeowners.

Here are some relevant allegations in the complaint:

HUSTLE: A PLAN TO DESTROY HOMEOWNERS AND DEFRAUD INVESTORS: The U.S. Government in its complaint filed against Bank of America details the specific ways in which Countrywide was operating when loans were originated.

“Countrywide rolled out a new streamlined loan origination model is called the “hustle.”

In order to increase the speed at which it originated and sold loans to the GSES,  countrywide eliminated every significant checkpoint on loan quality and compensated its employees solely based on the volume of loans originated, leading to rampant instances of fraud and other serious lung defects all while countrywide was informing the GSES that it had tightened its underwriting guidelines.”

Countrywide eliminated underwriter review even from many high risk loans. In lieu of underwriter review, countrywide assigned critical underwriting tasks to loan processors who were previously considered unqualified even to answer borrower questions. At the same time, countrywide or eliminated previously mandatory checklists that provided instructions on how to perform these underwriting tasks. Under the Hustle, such instructions on proper underwriting were considered nothing more than unnecessary forms that would slow the swim lane down.

Countrywide also eliminated the position of compliance specialist, an individual previously responsible for conducting a final, independent check on alone to ensure that all conditions on the loans approval were satisfied prior to funding.

The Hustle began in full force in approximately August 2007.

Countrywide also concealed the quality control reports on Hustle loans demonstrating that instances of fraud and other material defects (i.e. defects making the loans in eligible for investors sell) were legion. Countrywide’s own quality control reports identified material defect rate of nearly 40% in certain months, rates that were nearly 10 times the industry-standard defect rate of approximately 4%.

U.S. v. BOA False Claims Act complaint, SDNY 10-25-2012

ENCORE BANK v. BOA, NA (2013) Effective as of July 1, 2008, the parent company of BofA, Bank of America Corporation, acquired the parent corporation of Countrywide, Countrywide Financial Corporatio

 

397 Responses

  1. All true poppy. They have no valid argument. They are a joke because the only argument they have is name calling. That is because they are all liars and they are all full of shit. I know they are all demons from hell and what they really fear is the truth being exposed at this blog that THEY ARE ALL SECURITIES FRAUD FELONS & SHEISTERS WHO OWE US ALOT OF MONEY AND CLEAR TITLES TO ALL OF OUR PROPERTIES…!. NOW PAY US BACK WHAT YOU STOLE & HIJACKED YOU SLIMEBAG FELON CROOKS!

  2. Perhaps…

  3. Some people have a serious hair across…

  4. Webster’s Seventh New Collegiate Dictionary: amended definition of moron; a potential age of between eight and twelve years, who is capable of doing routine work, under supervision..

  5. moron: (in a former classification of mental retardation) a person having an intelligence quotient of 50-60. Now, who on here, consistently copies and pastes other’s work/words, berates certain people and cuddles up to others’, while claiming to have a plethora of needy people flailing and grasping at her every word to get needed information, so she can share her “illusion” of success and be the hero?

    Seems like a person lacking in smarts. Truly moronic people, have the need to fulfill there own needs this way. Altruism is needed in this format…helping all, not just the few, that agree with our opinions and make us feel better about ourselves. Just saying…

  6. MASTER SERVICERS OF SATAN IS ALL THE GSES ARE.

  7. They made it ALL ABOUT THE MONEY….& YOU GSE’S ARE WHO NEEDS TO BE PUT OUT OF YOUR ROTTING DECAYING MISERY….CALLING OUT TO YOUR MASTER SATAN ISN’T GOING TO SAVE YOU.

  8. Sorry Christine .. I needed to put Stripes out of her Misery. I just couldn’t stand it anymore. God Bless Her!

  9. So Simple its going to make you laugh!

    http://online.dakotahomestead.com/Vol%20VI%20State%20Und/9-Missouri-partf-Non-TitleSpousesmustsign.pdf

    Sometimes its not always about the money.. Right Master?

  10. This is precisely why the Constitution said Congress shall pass no laws that weaken the power of the people. That is precisely what these imposters have done.

  11. Everyone is naive about something. No one knows everything but, what you do know you should expose for the greater good. People are easily seduced into believing authority figures. That is incredibly dangerous. They should all be considered strangers not to be trusted because these evil doers have invaded our Security. You only need to look at the daily headlines to know this is true. I am not paranoid, just extra precautious and let me just say, that isn’t foolproof either. If things keep getting worse the people are bound to start taking matters into their own hands and I will have no pity for them if that day comes. If there were no gun laws none of this serial fraud would have ever happened.

  12. The best thing to do is to ignore the the stripes fellow, hmm fellow–how low can you go, low hanging is pretty lowwwwwwwwwwwwwwwww

  13. Did I tell you about the Award I Received for my ..

    “World Peace” Garden?

    Many Blessings to You All and to All A Good Night!

  14. Correct spelling error…. I believe in _ONE_ GOD THE CREATOR OF EVERYTHING.

  15. I believe in on God, the Creator and that Creator is all powerful however Satan is the Great Deceiver. That is the warning.

    Alerting the American people about all of the deceit by the Great Deceiver Satan…AKA THE SYNAGOGUE OF SATAN… is my charity work.

    I certainly don’t know of all of his evil snares because the Synagogue of Satan tricked me many times. They murdered my beloved pet and almost killed my daughter when she was 2 mos old with the MMR shot. It made her stop breathing. Only by the Grace of God was I standing over her when she stopped breathing. They gave my son epilepsy. They stole my business and my wealth and are trying to steal my properties. They sent hospice in to kill my grandparents.

    I don’t know all of Satan’s evil snares but I know a few.

  16. Stripes you need a hobby, all (a lot) of us are sick of your shit, this site can do with out you and it (was) is a good source of information for people who so desperately needed help, not your bull shit, your are infectious and must be a communistic pig guber-ment infiltrator working for the banksters. U R very low hanging fruit and just stop taking up time and find something else to do. I agree too some one who suggested U write a book. That will keep you occupied…….

  17. Correction..
    “Although we have never met in person”

  18. I have hundreds Sisters span across the World,
    We have conversed almost daily for several years now.
    We met on the internet, (Garden Club) .
    Although we have never met, we share our troubles and fears, Our Hopes, Our Dreams, Our Experiences and Most of All Our Prayers..

    We Pray Together for World Peace.

    All is One and One is All

  19. Being able to speak in many language can be likened to speaking in tongues…a sign of demonic possession.

    http://www.jesus-is-savior.com/False%20Doctrines/Speaking%20in%20Tongues/demonic.htm

  20. Knuckleheads take longer. She will get there. I have Faith 🙂

  21. Ya stripes
    Snakes come in many guises
    After 4 years of litigating believe me ive met em all. But shut up on the far out stuff, if you cant maybe you might seek help
    Your opinon is here every day, its not healthy,
    Try a distraction, volunteer somewhere.
    Seriously if its as bad as you think then all this time blogging tou might write a book instead. Like Tiabbi his ” giftopia” you might reAd that. Im not being mean to you but respect the simple fact that talking about such things and the so called synagog of satan is futile.
    God has the last word and there is nothing snyone can do about that and none of us mortals are getting out of here let’s face it.
    Nite i hope you sleep well.

  22. Sometimes, we think we do. I got screwed by 2 attorneys out of $6,000. Didn’t like how it felt. I won’t allow it.

    Except for stripper. Until she gets a day job. 🙂

  23. The only complete morons here are you trolls who continue to lie and deceive in much more subtle and deceptive ways. Damned Nazis think you are smarter than everyone else but have been reduced to name calling idiots because you have no valid arguments. Being able to speak in more than one language does not make fraud legal but it makes you sound inhuman and demon possessed.

  24. I’m the kinda gal who likes to see what I am buying before I buy it.

  25. And KC,

    If i recall, UKG got screwed out of $3,000 by MS for absolutely nothing of worth. That’s bad. Really bad when an LL blogger preys on another LL blogger. Unforgivable.

  26. I Like Christine! 🙂

  27. KC,

    I will call on anyone and everyone trying to enrich himself on the back of the homeowner. In case you haven'[t noticed, the last one who screwed an LL homeowner out of $5000 for absolutely nothing in exchange hasn’t come back in a very, very long time. Remember Nancy Drewe?

    People come here for info. Not to be screwed more than they have been so far. Even if they get nothing out of it, I won’t allow anyone to steal from them if i can prevent it. Moral duty to my fellow human beings.

  28. “We didn’t pick any side. We were completely deceived from the onset of this scam by an extremely nefarious and diabolical entity. This serpent was subtle, cunning and completely hidden from us.”

    Stripper, complete moron…

    I was addressing MS but apparently, the shoe fits you too if you feel the need to justify him on his behalf. So are you saying you were playing the bank game too? In that case, it serves you well.

    Poor, poor imbecile. MS is smarter than you. He didn’t answer.

  29. Please clarify the WHO KC. NO ONE KNOWS WHO YOU ARE TALKING ABOUT.

  30. .~~~~Behave Christine~~~~

  31. HA…! There is no shame in being broke because you picked the greed side and were bad at it.

    BAFANGUL TO THAT B.S. TOO.

    We didn’t pick any side. We were completely deceived from the onset of this scam by an extremely nefarious and diabolical entity. This serpent was subtle, cunning and completely hidden from us.

  32. Oh My!
    Somebody is riding the High Horse on the Low Road.

  33. Oh, and Maher Soliman,

    Just so that you and I understand each other…

    There is no shame in being flat broke in this economy. There is no shame in having lost everything because you had picked the greed side from the get go and where bad at it.

    There is something reprehensible about turning your coat half-way and trying to make a buck both with the banks and with the victimized homeowner at the same time while pushing your own “I am a victim of the tobacco industry because I’m sick from not having the self-discipline to quit smoking on my own and I’m too damn proud to get help with that.”

    Pick where you belong or belong nowhere. So far, not too many people respect your knowledge. Fewer even respect your persona…

  34. Maher Soliman,

    “When I am deposed its a media circus”

    As i can recall, the last media circus about you was when you tried to sue the tobacco industry and… lost. Tone it down a bit, my boy. Nobody is impressed. Anyone biting yet? I doubt it.

    And just for the hell of it… UKG uses common sense. my kind of guy. As far as that unnamed person who “bastardized” what you had to offer, it it stood on its on merit, it couldn’t have been done. So… you’re weak someone, my friend. Very, very weak.

  35. Maher Soliman,

    From your own self-serving horn tooting:

    http://foreclosureinfosearch.blogspot.com/2011/04/graupner-v-select-portfolio-servicing.html

    “Graupner v. Select Portfolio Servicing

    A sale under a power in a mortgage or trust deed must be conducted in strict compliance with the terms of the power. The sale must be made fairly, openly, reasonably, and with due diligence and sound discretion to protect the rights of the mortgagor and others, using all reasonable efforts to secure the best possible or reasonable price.”

    Sorry buddy! I don’t call that kind of decision a win. Try again next time.

  36. The serpent moves more subtle than any beast of the field the Lord God has made.

  37. The synagogue of Satan is as real as the nose on your face Deborah. They have existed since the beginning of time. Either you are a member or you are in denial.

  38. They want controlled chaos. They don’t want America armed to the teeth. That is too hard to control. We are only free as long as we have our UNCONDITIONAL Second Amendment right to bear arms. The U.S. Constitution says nothing about having to register your legal rights. Registering firearms is a Hitler plan to seize all of our guns under the guise of national security. Dont fall for it. If it comes down to guns and bullets you don’t want these imposters knowing you own guns. Registering our firearms makes it too easy for them to target us and disarm us.

  39. And
    I have do many chicken recipes its not even funny

  40. Stripes
    I have no freakin assets they got all of it and 4 years of my life
    I need air fare to go see someone dear to me.
    And time off WORK
    I have news for you
    Talking about the bloody synagog of satan is bloody ridiculous ok

  41. Why do you think these satanists want our guns and bullets….? They cant have anarchy if we are armed to the teeth …

  42. We shoot to kill.

  43. This is America, we do not engage in feudalism with imposters.

  44. I reject the devils Bible and all of its evil works. I do not do business with vampires and demons AKA THE SYNAGOGUE OF SATAN. I am not a coward. Ive got my silver stake aimed right for their rotted souls and my cross made of gold. They aren’t getting my shit. Bafangul them.

  45. Bafangul MASTERSERVICER…..if there is fraud anywhere in the contract there is no contract. These MERS BIS KHAZAR CROOKS OWE US AN INNUMERABLE AMOUNT OF MONEY AND CLEAR TITLES TO EVERYTHING.

    YOU CAN’T BULLSHIT ME. I KNOW THE TRUTH.

    Yeah Deborah the truth is not pretty. So why are you liqiudating your assets? That’s the question.

  46. Christine , thanks, im having a heavy day, reading this awful stuff on here…why I bother, well some of it helps me a bit, (all cases are different and at different stages, not to mention “how many ways” to plead.
    I have 4 foot lady justice bronze statue I purchased long long before is ever guess in my wildest dreams I would be doing this, im liquidating some possessions not that theres much left , my best friend is encouraging me to sell her, she tells me its like an “albatross” (her words) but I cant seem to part with her, but let me say this, her foot is on the head of the snake.

  47. Homeowners’ job is to keep it as simple as possible
    **This I agree. Since the time of Christ the good word is to not point the finger at the lender till you have cured your own sins -as in default.

    The loan you received is a mortgage and the obligations is outstanding and was not paid back.

    The devises and instrumentality applied are convoluted complex and far reaching but unavoidable in a defense

    You said – and to investigate where their documents and money went.
    ah WELL really ……..break down a claim ….

    You said -Their job is to document the facts so well that their case is attractive to an attorney
    The same attorney who judged the last case by the retainer -for case lost .

    You said – and they won’t have to appear pro se in a system stacked against them.
    (comment is not a question)

    All the rest is a load of BS many try to follow and fail to win with.

    You will prevail with my arguments if adjudged by the banks accounting firm or Tax Attorney . ..or Academia and scholar

    Against who is the question and for what argument – that to be seen .
    William Black NG and others have yet to isolate fraud -NOT ONE FRAUD

    My frustrated my narrow minded melancholy philosopher who loves ancient rock bands is this

    KISS -Keep Interests, Settlements Separate

    Ps. – got email – cool no problem./ Apology accepted

  48. Christine

    here we go again – attack the experts credibility

    California Court of Appeals decision to remand
    in Graupner v Select Portfolio Services 2010
    Two day deposition and overcame motions in Limney by oppsotion

    Three Fed US Bankruptcy Cases -where the trustee office has counsel call me ….or invoke the statute of limitations for fraud …or call me upon order of a federal Judge as with recent Santa Ana case .

    When I am deposed its a media circus . I respect the judicious and imply nothing here .

    I also respect your opinion Christine

    US District Court San Francisco
    Mass Action Suit Prevailed 2008

    US District Court BK Court
    – 2012 Indefinite Stay
    Prevailed in wrongful Foreclosure claims

    Settlements

    Henderson $450,000 offer
    JoeB $165,000 Cash for Keys
    Lopez $50,000 Cash for keys

    *** There are those who pick my brain and then publish my work .I smile and do not get upset.

    Do you want to see an example of what I mean ..

    There are things happening to you in foreclosure the media and this site are not aware of …..do you want proof of what I mean.

    Do you desire to see how fast the word spreads……

    Someone publish a pleading or send me your pleading for a professional lay person “expert” opinion or UsedCarGuy – I will send to you something that I believe can bolster every case in certain states and or cases in America ..

    You can publish it and see for yourself – I’m not about authorship

    Christine, Please note that there is someone here at present on this site that contacted me and took the little info i could give and has bastardized it . She talks about extinguishing and liquidation with no clue – yes that is dangerous

    …And subject to massive sanctions .

    If Rog agrees to accept the information ….I’ll publish it …through him I believe it is something far bigger than Robo signatures and perhaps , . . sure to catch the next wave of media interest. .

    Then lets see how much discussion arises over the aforementioned subject matter, . ps Christine – GET OFF THE INTERNET AND ENJOY YOUR LIFE

    LEAVE A COMMENT

  49. MERS …..that’s a SATURDAY NIGHT SPECIAL…..its got a barrel that’s blue & gold….it ain’t good for nothing but put a man six feet in a hole…..and its bullets are mortgage backed securities…GIMME BACK MY BULLETS…!….

  50. The French translation for MER IS SEA…..THE INVESTOR PIRATE SHIP IS CALLED MERS…..THEIR BOOTY….MORTGAGE BACKED SECURITIES FRAUD…THEIR SECRET CODE NAME IS FRENCH FRIES…OUR CODE NAME IS ……. FREEDOM FRIES…!

  51. MORTGAGE BACKED SECURITIES ARE THEIR FINANCIAL WEAPONS OF FRAUD & MASS DESTRUCTION….THEY ARE ALL DUMPED AT THE BOTTOM OF THE SEA IN A PIRATE SHIP CALLED MERS….THEIR INVESTOR DISTRESS CALL…THEIR S.O.S., IS ALSO THEIR HIDDEN M.O………THEY ARE THE SYNAGOGUE OF SATAN.

  52. MERS & THEIR INVESTORS ARE AS QUEER AS A $3.00 BILL…!

  53. I rest my case.

  54. BAFANGUL CHRISTINE……! DO NOT PASS GO….GO DIRECTLY TO JAIL…LOSER!

  55. BAFANGUL KC…..WE THE PEOPLE OWN EVERYTHING BECAUSE WE THE PEOPLE PAY FOR EVERYTHING!

    THEY RULE OF LAW SAYS THEY CANNOT HAVE IT BOTH WAYS!

    REAL PROPERTY DOES NOT HAVE A SEXUAL ORIENTATION!

  56. Garfield will be known as the man who indulged so much a certified moron that ultimately, she completely lost her mind and imploded…

    Neil, there is such a thing as enabling. For what stripper is concerned and given the fact that she cannot make a decision for herself or express a coherent thought, you’ve become an enabler by allowing her to play out her psychosis here.

  57. AH BAFANGUL….IT WAS AN INVESTMENT SCAM BY THE POLITICIANS …..WHO ARE MERS. MERS IS THE COMPUTERIZED VERSION OF JIMMY HOFFA….!

  58. Buy..Sell/leaseback. You were set up to be a temp renter while they sucked you dry in interest and taxed you on something you didn’t own.

  59. THAT’S RIGHT OBAMA….! WHAT THEY DID WAS CRIMINAL….NOT RECKLESS.

    THAT BIG LIE BY OBAMA WAS THE DIRECT RESULT OF POLITICIANS BEING ALLOWED TO INVEST IN ANYTHING & EVERYTHING THAT EFFECTS OUR LIFE, LIBERTY & PROPERTY……!

    THE INVESTORS ARE ALL VIOLATING OUR CONSTITUTIONAL RIGHTS …OUR LEGAL RIGHTS AND THAT IS CRIMINAL….!

  60. The deed was Liquidated as an ABS for a Interest Bearing Note. They never planned to let you have and to hold your deed but instead to steal your life estate.

  61. And KC,

    Sad to say but whoever(s) concocted that scheme knew for a fact that there were more people like stripper, incapable of lining two personal thoughts and too afraid to act, than there are ready and able to use their brain and have the courage to say “No!”

    Nothing happens in a vacuum. You don’t destroy an entire country by using fear and greed as a primary motivation without some ulterior motive. Go back 30 years and study how it was methodically and systematically put together. It probably started long before but the manifestation of its realization really took place in the last 30 years, with Reagan, Bush, Clinton and everyone after that. Is Obama part of the problem? I still don’t know. Alan Bloom said it as early as 1987 with his book “The closing of the American Mind.” Few people read it here. Millions read it worldwide and watched what he was saying unravel.

    What I do know is that he sure as hell hasn’t been part of the solution…

  62. I SHOULD MAKE CLEAR THE COOK COUNTY RECORDER OF DEEDS MAIN OFFICE….DOWNTOWN CHICAGO….LOCATED IN THE CITY HALL BUILDING… ACROSS THE STREET FROM THE DALEY CENTER COURTHOUSE WHERE I AM FIGHTING THESE CROOKS PRO SE…..TOLD ME I OWN BOTH OF MY PROPERTIES FREE & CLEAR BECAUSE OF THE FRAUD IN BOTH OF MY TITLES…..!

  63. You can not get a payoff of the promissory note in MERS .. and you can not get a payoff of the promissory note outside MERS. Why? Why can you not get your Promissory Note stamped Paid in Full?

    If you cant pay your way out … what makes you think a mod is going to help?

  64. I HOLD BOTH DEEDS TO BOTH PROPERTIES AS A RESULT OF MERS INVESTORS COMMITTING MULTIPLE FELONIES IN MY NAME UNDER THE GUISE OF MONEY LENDING…THEY MASSIVELY DEFRAUDED ME. THE RECORDER OF DEEDS OFFICE TOLD ME MY PROPERTIES ARE PAID FOR BECAUSE OF FRAUD IN MY TITLES…YET, I AM FIGHTING 2 FRAUDCLOSURES PRO SE…! LOUSY LYING CRIMINAL FUGGERS!

  65. KC,

    “so why refuse to send a payoff statement to the borrower who has been removed outside MERS?”

    Because by then, the deed was finalized and sending a pay off would give the homeowner a chance to question it and, possibly, pay it if he really wanted to keep the house. That system was meant forward with a definite goal in mind. Forcing it to back track at any point and allow for exceptions and revisions was assuring that it would make it crumble. Think in terms of timing and how well conceived it was: all of a sudden, seemingly out of the blue, a huge wave of foreclosures swept the entire continent. Media was ready with its catch phrases “Too much house for their means. Too much loans for their income. Deadbeats. Irresponsible. Fraudulent paperwork. Cheating on their income.” It was very clever. Not enough though to make it succeed and last.

    And that’s exactly what has been happening slowly. Whoever created that system didn’t count on a few people having preserved their inquisitive and critical mind and the courage to speak.

  66. INTENT TO DECEIVE IS CRIMINAL….! THIRD PARTIES NOT BEFORE THE COURT…AKA……THE MERS INVESTORS……ARE USING CONCEALMENT OF THE TRUE FACTS OF THEIR CRIMES TO GAIN UNJUST ENRICHMENT UNDER THE FALSE PRETENSES OF MONEY OWED……. MERS INVESTORS HAVE NO LEGAL RIGHT TO COLLECT ANY MONEY OR PROPERTY FROM US…!

  67. Who hold the deed? You pledged the title for a promissory note and a lien on your deed and they pledged the deed for an interest bearing note. What the Heck? Did you get the deed? Did you give the deed as grantor in a trustee deed after receiving the deed? Maybe you didn’t get the deed.

    Just thinking out loud..

  68. So in my cases we have the U.S. States Attorney’s office joining me to foreclose on MERS. However, they are both very deceptively trying to gain unjust enrichment by stealing my properties. THAT IS A MULTIPLICITY OF FELONIES….!

  69. They never had our permission to convert anything into anything …. that unauthorized conversion of the deeds was COPYRIGHT INFRINGEMENT & UNLAWFUL USE OF A DIGITAL SIGNATURE. FRAUD & FORGERY WITH THE INTENT TO DEFRAUD…..FELONIES.

  70. One could get suck up …. on the facts. so why refuse to send a payoff statement to the borrower who has been removed outside MERS?

  71. Conversion… (another type) of the Deed into a Interest Bearing Note replacing the Promiissory Note.

    The Interest bearing Note was extinguished.

  72. I think I found Jimmy Hoffa….they transformed him into a computer data base called MERS!

  73. Interest Bearing Note…Extinguishment of Liabilities.

  74. In the words of my grandfather who fought in WWII so we could all have a right to say this…. BAFANGUL..!

  75. Christine… same time of the LP release. Odd?

  76. Deb, I have never received a 1099a or c. The 1098 identifies the investor bank and what they paid on your behalf. This past year the only thing on 1098 was homeowner ins… snuck it in and got me booted from auto pay. I have a Cure for that. hahahaha

    Christine,, We got booted on the Maturity Date from MERS, almost three years after artificial default. Make sense?

  77. They liquidated the deed into an interest bearing note REPLACING the promissory note with a notional yield.

  78. Here are some of the names involved in the MERS/MORTGAGE BACKED SECURITIES PENSION FUND SCAM……AKA THE SARBANES-OXLEY INVESTOR PROTECTION RACKET ……. THESE ARE THE CROOKS WHO ROBBED US…AND STILL ARE UNDER THE FALSE PRETENSES OF MONEY OWED….

    WHO CONTROLS THE TREASURY DEPARTMENT?
    http://thezog.wordpress.com/who-controls-the-treasury-department

  79. Deb,

    My best guess is that only a handful of individuals were bound to gain from this horrendous situation and that it didn’t work out according to plans. Hence the back tracking, the lies, the fraud, the forgery, you name it.

    When people started questioning what was going on, when judges started having to sanction foreclosure on their family members, sheriffs kicked neighbors out to the the curb and veterans were treated as anyone else, it became too obvious and it slowed down what, otherwise, might have explained why people like Bill Black, Neil Barofsky, Catherine Austin Fitts and many others have been thoroughly ignored despite their credentials, testimonies and analysis of the situation: an enormous conspiracy (and I’m not one to use that term lightly) to take absolute ownership and control of all land, waterways and resources.

    Again, it is not a conclusion i want to draw but the evidence is getting clearer and clearer. Government was either complicit (bribery can do wonders) or incompetent (hard to be efficiently reactive with putting out fires in a proactive system, which probably was lighting them up for decades, slowly but methodically.

    Keep fighting. All it takes to reverse any trend is 10% of the people saying: “No!” Revolutions were never fought by the entire population. 10% is just enough to reverse anything. Be one of the 10%.

  80. HEY MORTGAGE ELECTRONIC REGISTRATION SYSTEMS AKA MUNICIPAL EMPLOYEE RETIREMENT SYSTEMS ALL OF YOU FICTITIOUS PENSION FUND/MERS INVESTORS….HERE’S A MESSAGE FROM WE THE PEOPLE….. http://m.neogaf.com/showthread.php?t=385569

  81. Thanks christine
    If it doesnt matter why misrepresent conceal and lie to thr court?

  82. And Deb,

    Going back to that “transfer out of MERS”, many people are still on the modification track, some even have active court cases and a loan that may very well be in default but has not yet officially defaulted. What i have learned is that, pretty much as soon as a default exists, no matter how curable, the loan is transferred out. That would explain why, all along, servicers have made it so very difficult for homeowners to obtain actual mods or pay off what they owed.

    What that tells me if I’m right is that there is no intention on the part of the servicers/trustees/regulatory agencies to see any of those loans reinstalled, regardless of the outcome of the case.

    Combine that with the countless artificial defaults created with “suspense accounts” and loss of mortgage payments and you can see how intentional the entire situation was from the get go.

    I wouldn’t be surprise to learn down the road that this was part of a plan to seize a certain percentage of properties over a certain period of time by hook or by crook and even to make it happen if necessary.

    Still unsure for what purpose though.

  83. DON’T CALL ME A LIAR YOU LYING CROOK! I DIDN’T LIE ABOUT ANYTHING YOU BIG FAT MERS INVESTMENT FRAUDSTER..!

  84. I DID NOT BORROW ANY MONEY…..KC…..NOT ONE DIME. HOWEVER, YOU INVESTOR CROOKS STOLE MY MONEY UNDER THE FALSE PRETENSES OF MONEY LENDING …….YOU INVESTOR CROOKS USED A PUBLIC PENSION FUND SCAM CALLED MERS & A FRAUDULENT INVESTMENT TOOL CALLED MORTGAGE BACKED SECURITIES TO ROB ME AND MILLIONS OF AMERICANS OF EVERYTHING.

    PAY ME BACK YOU PONZI SCHEMING INVESTOR CROOKS. YOU ARE LOW LIFES.

  85. 8 Foods We Eat In The U.S. That Are Banned In Other Countries
    Thursday, June 20, 2013 9:41

    http://beforeitsnews.com/health/2013/06/8-foods-we-eat-in-the-u-s-that-are-banned-in-other-countries-2494724.html

    Any wonder people are dysfunctional in this country?

  86. “But. Wrong party issued 1099a. Why. Ms? Kc?”

    Deb, read at 6/22 1:09pm. KC and I were looking at our MERS accounts and, even though we still have active loans, they show “inactive” in MERS, whatever the search (address, name, SS No, etc.)

    We didn’t understand why and i did some research.

    Apparently, when a loan defaults, it gets transferred “out of MERS”. I don’t have a current list for MERS but it counts over 6500 members, Between that and the 400+ banks and financial institutions gone belly up since 1/1/12, it leaves IRS as the only recipient with a vested interest since we, taxpayers, foot the bill to the tune of what? 80 millions/mo? More?…

    The name on the 1099 makes no difference in my opinion.

  87. MS,

    You keep giving terrible and dangerous advice. That is NOT the job of a poor peon before a court. If anything, that’s the job of regulatory agencies. Homeowners’ job is to keep it as simple as possible and to investigate where their documents and money went. Their job is to document the facts so well that their case is attractive to an attorney and they won’t have to appear pro se in a system stacked against them. All the rest is a load of BS many try to follow and fail to win with.

    End of story.

    K.I.S.S. or lose.

    I never cared much for what you have to say but i find it repulsive that you would intentionally mislead others when you, yourself, will never answer this: “Name one case in which you have testified so well that homeowner won. Have you EVER testified? What authority are you invoking to plaster your BS here?”

  88. Note is paid AND thry took the house and sold it and loan the new owners have is in mers. And the beat goes on. But. Wrong party issued 1099a. Why. Ms? Kc?

  89. “You should know why the collateral security for the full payment and performance by Pledgor of the Obligations.is the only servicing allowed by so called loan servicers”.

    “So called” loan servicers, Hmmmmmmm…interesting. What I am seeing, in court, is people claiming to be “servicers”…the fact is: servicing functions are governed by the PSA for a trust, not a “collection service” by a debt collector, very different things. The words are being used interchangeably. One is very different than the other.

    And in a particular case, creditors in the bankruptcy court, have been paid claims up to 90% of the face value of the “note” or claim and are passing along the copy of the note to servicing entities to collect in full, the face value of the note, even after being compensated. They have also collected insurance, CDS’ and bailouts…interesting one can collect collect multiple times on the same debt. Maybe I need to start pulling copies of deeds and acquiring notes, make an LLC and grab some real estate? Seems that easy to me…who knew. The DMV has more oversight!

  90. Bijaya K D Brian D Grover, on June 22, 2013 at 7:45 pm said:
    MERS has no standing

    Mers standing is the IRS equivalent for collecting taxes.One person here is talking extinguished another Mers standing and another 8 different HUD settlement statements . Put the three together Mers +derecognition+recurring settlements.

    RECITALS:

    1. The Grantors and The Bank of New York Mellon, as trustee (the “Trustee”) and Collateral Agent, are parties to the Indenture dated as of October 9, 200 (as amended, supplemented, waived, or otherwise modified from time to time, the “Indenture”), pursuant to which, as of the date hereof, the Company has issued $400,000,000 in aggregate principal amount of its 9.625% Senior Secured Notes due 2015 (the “Notes”….

    Housing mortgages and especially a power of sale are void of a government actor . GSE are now government owned and Nominee is masking the Department of Treasury.

    You are loosing your rights and freedoms afforded you over 200 years ….they are going fast …..

    Leave a Reply

  91. de-recognition of assets
    extinguishment of liabilities

    Not the borrower liabilities -wrong note KC

  92. Security Interest and Pledge.

    What happened over the 2000 – 2005 timeline was the introduction of the concept for allowing a security instrument to stand in for a promissory note.

    The deed was converted to a interest bearing note that replaced the promissory note with a notional yield.

    Counsel- your job is to break this down for the court and to expose the opposition where they are most weak -defending the notional yield sold to foreign national bond holders as Zeros and discounted bonds…

    Develop your arguments for why the Pledgor elects to pledge Eligible Asset as Securities, for the purpose of 100% over Collateralization

    Break down why the Pledgor delivers, pledges, and assigns a continuing lien to bond holders

    Discuss how the security is a perfected interest in all of Pledgor’s
    rights, title and interest in and to the Pledged Account, the Pledged Collateral and the Pledged Investment Property

    You should know why the collateral security for the full payment and performance by Pledgor of the Obligations.is the only servicing allowed by so called loan servicers.

    Leave a Reply
    registerclaims@live.com

  93. You borrowed the money.. Don’t Lie! Lies are Useless and will come back to bite you in the grass!

    Read the Note/contract! When the Note is Extinguished..

    .What Must they Do?

    Deadbeat!

  94. The sharks been dead since 2008. They are simply necromaniacs.

  95. Join them in enforcing their fraud? That kinky shits not for me…! Eeeewwwwwh!

  96. They all have virulent gonnorhea and no one wants it.

  97. The Fed is winding down .. and will continue to do so until its ticker stops ticking. After that .. the Shark is Dead.

  98. Stripper.. I said Join them .. Not sleep with them.

    Join them in enforcing the contract ..

  99. We need to downgrade the “ratings agencies” to worthless lying pieces of crap and demand to know where in the hell all of our money is at.

  100. The IRS The Fed All Share the Same Mers Bed with?

    Buying back notes slang for bag of air

    You sleep with the dog… you get fleas.

  101. Yeah right….the pirates booty is long stashed away. The shit & poo ratings agencies are another hoax to make everyone believe the BIG LIE that America is broke but the truth is we were robbed by all of these investor crooks.

  102. There is no contract to enforce because these investor scammers destroyed it all. They blew it all up to rob the American people of everything. Don’t try and b.s. me. I want my money & my titles back clean.

    What are you trolls so afraid of is the real question? Are you afraid you are going to foot the blame? That’s not my problem. That’s yours. I held up my end of the fraudulently induced contracts and you tried to destroy my life. I demand the rule of law be upheld. I am nobodies sucker. Pay back what you stole. You spineless crooks who tried to destroy my life. Greedy bastards.

  103. Your so Stupid sometimes Stripper .. You make Me Laugh!

    You know the Pension Funds are in the Red and downgraded this month.

  104. Nope.. that’s not what I said. Take Better Notes!

  105. Don’t fight them .. Join them. … Don’t Worry.. Be Happy

    Live.. Love.. Learn and Most of All Laugh! Good Night All!

  106. Oh wow really now? MERS paid whose debt after they printed as much money as they wanted off of my autograph, pocketed all of my payments and racketeered with my signature without my permission and made God only knows how much money by defrauding me? Pay me back crooks. Those pension funds are a big fat money pocketing hoax for the MERS investors. Goddamned swindling crooks..!

  107. RE Write….

    If the note is paid .. you have a claim.
    If the note is paid they don’t have a claim
    but you have one to state and to make known to the public.
    Its in the Contract.. Enforce It!

    Make the Call ..

  108. If the note is not paid .. you have a claim.
    If the note is paid they don’t have a claim
    but you have one to state and to make known to the public.
    Its in the Contract.. Enforce It!

    Make the Call ..

  109. The Note Must Be Paid to State Your Claim!

  110. The IRS .. The Fed.. They all share the same Bed.

    Behind Mers they did bad play and behind Mers they did pay your debt you let them once display.

    From there it Goes to Who Knows.

    Plant your seeds and state your claim .. reclaim what is yours.

  111. This is an investor war on our Constitutional Republic by the Khazar Nazis. Period…end of story. They all need to be sued into oblivion. The Brezezski-Russians are at the top of the pyramid scheme…they act like the innocent little BRICS nations who are here to save us from the evil Vatican Israeli rothschilds….but they were the masterminds of the entire plot. MWAHAHA..Watch RT NEWS…they blame their own perps….please…… that is a dead giveaway!

  112. Yeah right KC…… I am right smack on the blood money.

  113. This robbery has really been going on since 1914 but LBJ, Nixon, Carter, Reagan, Bush, Clinton, Bush, Obama really sped things up for their criminal friends. This was a hundred year scam to destroy America by the investors.

  114. OMG .. you still do not get who hijacked who? Move to the back of the class … AGAIN!

  115. The monster is the investors and those investors didn’t have to sue…..they hijacked the Treasury in 2008 and got $60.4 trillion more U.S. TAXPAYER DOLLARS as a thank you for robbing us since 1982.

  116. WOW! Now we are talking…

    SARBANNES-OAXLEY GUARANTEED THAT….. THE ISSUER WORKS FOR THE INVESTORS…

    Sooo.. when the investors got snookered because they trustee was working for the monster and not in the best interest as per the PSAs.. Geeee… they sued.

    “Clapping Hands”

  117. Oh bullshit KC…..The ISSUER would never screw their investors..They all do what the investors tell them to do…,SARBANNES-OAXLEY GUARANTEED THAT….. THE ISSUER WORKS FOR THE INVESTORS…..PERIOD….IF NOT…THEY WOULD ALL BE IN PRISON BY NOW. THIS ROBBERY WAS WELL PLANNED BY THE BIG SHOT 8 LARGESSE ILLUMINATI FAMILIES…..THOSE INVESTORS….THEY ARE FOREIGNERS TO OUR CONSTITUTIONAL REPUBLIC AS WELL..BECAUSE NOTHING THEY DO IS LEGAL….SO BA FONGUL ALL OF YOU FREAKING LIARS….!.

  118. The investors were not guilty of anything, the Issuer breached the .. their contracts with the investors just like they did with you. Triple Layer Cake Reflected in the same Mirror. Stop with the investor foreign racist BS and Wake Up.

  119. No Quacks .. to Many Quacks Already.

  120. Sorry kc…the dead horse heads in your bed…not mine and I didn’t put it there. Your investor friends did.

  121. Naaa… I have no use for Big Pharma mind controlling stuffs.. no more than I do for Monsanto…I make my own Happiness… its not handed to me in a pill bottle. But hey .. knock yourself out. God, the Earth and Mother Nature provides me with all I need … Oh look, I need to save the Whine… it needs air. *snickers and snorts*

  122. Fear?…..? LMAOROF….KNOWLDEGE IS POWER AND THAT IS WHAT THESE CROOKS ALWAYS FEARED… GET A GRIP…BIG PHARMA HAS A MED FOR YOU….

  123. Bet now they wish they never put WE THE PEOPLE out of business……!

  124. You know what Stripes.. I don’t believe you are a bank shill at all. I believe you have locked yourself up inside and you are afraid to come out to talk to or trust anyone about it. You are feeding your own fears… recognize your own behavior. These sharks feed on fear … I have a Solution for that. Make the Call

  125. Here are a like a thousand translations for bof….aka Ba fangul … you…. http://m.neogaf.com/showthread.php?t=385569

  126. Full moon alright…

  127. See bof run for cover when bof can’t bof you anymore.

  128. Oh you mean one of those “what do you call those attorney’s”….you know the ones who work for the investors in this scam…? What do you call those attorney’s again? You know …the ones who offer you a lifetime of slavery…?..Oh those attorney’s …! Those fool me twice attorney’s … bof attorney’s? Do you know bof? I know bof. I say bof them….! *duck snorts*

  129. Brown Bear.. Brown Bear… What do you see?
    I see a Bully charging at me.
    Brown Bear.. Brown Bear… What do you do?
    I go charging to ………

  130. Peace of Mind Every Night ..

    Teacher ..Teacher.. What do you see?

    I see Children Looking at Me.

  131. Fluffy Stuffs .. Better left to a Master Accountant, Just as Law is Better left with a Good Attorney.

  132. 50=1A+(20X1A)X3

  133. It sounds like new world order math. It just doesn’t add up to nothing but a lot of yada yada.

  134. Here is a good take on the meaning of THE NEW WORLD ORDER ..
    GLOBAL TECHNO FEUDALISM …

    Read about it here…THE ILLUMINATI: RENEGADES OF THE MYSTERY SCHOOLS…
    http://www.fourwinds10.net/

  135. 360 = 1X+50

  136. Hey Neil .. How are the Numbers working out for you? I hear a lot of talk about the number of visitors, but you know those are not the numbers we want to learn. Example 1A=3X(20)

  137. Or one of my personal Tony Soprano favorites..
    Tony: What’s that?
    Irina: Chicken Soup for the Soul.
    Tony: You should read Tomato Sauce for your Ass. It’s the Italian version.

  138. Or in the words of Tony Soprano….Tony (to the police)…..On your way out, do you think you can roll the garbage down the hill? Tommorow is pick up day.

  139. …FULL MOON all year tonight… [sic] It’s gonna be a looooong night!

  140. You liars just have to face the truth….you can’t fool em all…! oh the agony of dafeet….! *duck snorts*….

  141. How much do I estimate these crooks owe me…? I will throw you reservoir dogs a round figure..around 3 mil + clear titles. I am not greedy like them. Enough to rebuild our business they destroyed and have our lives back. More than a Fair deal right?

  142. Local weather guy says biggest FULL MOON all year tonight ….yes sirree….the foreign investors big fat asses to be exact. Great night for these werewolves to eat their shit and bark and howl at the moon…..!

  143. Don’t blame me if you flunked basic math morons. Hey Christine…NEWS FLASH….WE ARE ALL ALREADY CHECKED IN THE ASYLUM AND YOUR PSYCHO NAZI FRIENDS ARE THE INMATES WHO ARE RUNNING IT….!! You brown shirt guards better watch out cause when the people wake up & realize they were admitted against their will by the investor control freaks you might get shanked and I sure won’t shed a tear…!

  144. Really good news. Not only is Monsanto bad for our health but it yields 20% to 30% less than traditional farming and it uses up to 3 times the water to grow. In today’s climate, and by today’s standards, i would call this a terrific success. Glad to see that we’re all in agreement here! What could I do to make a few bucks? Anyone has any idea?

    http://www.survivalandbeyond.net/

    Monsanto Exec Awarded “Nobel Peace Prize” of Food

    By Anthony Gucciardi

    Robert Fraley, the chief technology officer at Monsanto, will be given $250,000 cash along with his prestigious award that was presented at the US State Department on Wednesday. It’s ironic, really, because the US State Department just so happens to also be using our tax dollars to market Monsanto internationally with promotional marketing DVDs and pamphlets. To put it simply, they quite literally act as a marketing wing for Monsanto — the corporation that might as well be a government entity.

    It is rather fitting, then, that Monsanto’s executive be adorned with the World Food Prize along with a sack of cash at the headquarters of the Monsanto marketing wing that is the US State Department.

    But of course there are also two other scientists being honored for their works against human and environmental health, so it’s important to also identify these corporate scientists as well. First up you have Mary-Dell Chilton, who founder of the rising star biotech company Syngenta, the same great companycharged for covering up the fact they knew their own GM corn had been killing animals after consumption. An admission that would ultimately doom their bottom line profits and unveil the reality that Syngenta’s GM crops are indeed unfit for consumption.
    As for the third scientist, Marc Van Montagu, he is a European cheerleader for GM crops who founded the Institute of Plant Technology Outreach at Ghent University in Belgium in order to help Monsanto get a stronger foothold in European nations that reject GM crops.

    So why have these individuals been given a World Food Prize, especially when over 900 scientists working under the United Nations were forced to admit after extensive research that GMOs lead to decreased yields and are easily outperformed by traditional farming with ease? Probably the same reason that the US government continues to support Monsanto despite complete public disapproval and outcry.

    The same conclusion that GM crops cannot feed the world was also reached in the report Failure to Yield following 20 years of research. Nevertheless, the World Food Prize has gone to these manipulators of the food supply in open opposition against human health and sustainability. As to why, the president of the World Food Prize Foundation stated:

    “These three scientists are being recognized for their independent, individual breakthrough achievements in founding, developing and applying modern agricultural biotechnology,” said foundation head Kenneth Quinn.

  145. Hold on .. let me call my Accountant. II wouldn’t want to speculate on something so important. ……. “Chuckles”

  146. KC,

    “What is the formula you are using to arrive at your figure?”

    Don’t tell me you forgot…

    Give $ 1M to each American
    $1M times 300 is… what was it again, Stripper? $300 M?
    E ToLLe and i are still chuckling thinking about it…

  147. Behave Christine!

  148. So Stripes .. how much of that stolen wealth do you estimate belongs to you? What is the formula you are using to arrive at your figure? What are you going to do with your wealth?

    I figured if I had to sue to claim what is mine then I am going to claim all the profit to. Didn’t know we were so valuable … So I figured I would spread the wealth to my favorite charities and organizations that help educate America.

    The Land of the Free and the Home of the Brave. Where all is one race and nationality, where world peace exists and we 68 all night after a hard days labor.. that is.. if you still can. But 11 works to.

  149. And there she is, indefatigable, working tirelessly day in, day out, to prove to the world how much on her way out she is… Stripper, I made a reservation at the Twin Valley psych hospital for you. Your bedroom is ready. You can stop by anytime… they’re on standby, waiting for you.

  150. Ha ha….PUBLIC are the same crooks who robbed the PUBLIC & THEY ARE ROBBING US AGAIN…..AND RE-PURCHASING THEIR OWN FRAUD WITH SOME OF THE $85 BILLION A MONTH THE INVESTORS HAVE BEEN STEALING FROM U.S. TAXPAYERS SINCE 2008….! $60.4 TRILLION THE INVESTORS HAVE STOLEN FROM US SINCE 2008……YOU CAN BUY ALOT OF FRAUD WITH $60.4 TRILLION DOLLARS & STEAL ALOT OF OUR PROPERTY TOO….! MWAHAHA…!

  151. HAWKS WIN AGAIN….!

  152. Scratch! …

  153. Ut Oh … they was a cookin the books to. Kat out of the Bag.

  154. When they downgraded the value of my husbands head.. I mean credit… haha … his truck loan was sold to Triad. He paid it off a few months after. Title returned lien released in Original Lender Stamper Name. Sit down for the next part …

    Just last week (2yrs later) they send him a letter, wanting him back as a valued customer. They want to let him cash out $5,000 in equity in his truck. roflmbo

  155. MERS has no standing

  156. Psst UKG… Triad still soliciting new loans. huh?

  157. The IRS The Fed put a Price on Your Head. ~ Your Life Estate

    I sure wished hubby would have told me what his head was worth a few years back. Twas a toss up between the family jewels and his head. hahaha

  158. IRS is complicate
    They were forwarded all my discovery on HOMEQ & OCWEN servicers & the 6 other banks 1 1/2 years ago with no response
    Credit bid does not match 1099 & is twice the amount recieved from sale to purchaser ( I offered the amount received on a 10 yr mod & OCWEN refused)

  159. so gault, I contacted TRIAD. you think they would call me now that they’re in BK. mum’s the word. they don’t want to talk to me.

  160. Sorry… Misprint

    Public could be anybody who STATES a claim?

  161. Public could be anybody who stakes a claim?

  162. Ones reflection is of itself in the mirror.

    Shadow.. Mirror ..

  163. Go back to the Accounting Office. Where did my money go? What was it used for?

    Its time to leave MERS…

    Where do you go when you leave MERS? Do you go public? Public could be anybody.

  164. In order for anyone to execute anything in MERS’ name, he’s supposed to have one of those infamous Hultman ‘corporate resolutions’ ‘officer-izing’ that person. Do you suppose Hultman or anyone else is actually stating in that resolution that the new
    “MERS’ officer is authorized to assign the NOTE in the dot assgt??

    Which reminds me:
    There was that case a year back or so (Johnson?) wherein the court errantly found a corporate assgt was the bomb, game over. The judge imo misconstrued the statute he used in making his decision. All that statute said (I know – I’ve said this before) is that the signature of
    a so and so officer of the corp binds the corporation. That case has been used to say things it shouldn’t, because all the statute says is if a corporation has an interest, the corp is bound by so and so’s signature (and tough luck on the corp if so and so REAL officer shouldn’t have signed the thing). The signature of so and so is not evidence the corporation had any interest to assign. Where I’m going here is unless MERS has some new agreement we haven’t seen, take 10, MERS has no business alleging to assign the note. It’s a false instrument (as opposed to using the word ‘fraud”) and imo that’s an argument we have standing to make, also imo, without question. And I would be interested in knowing if “MERS” has the gall to authorize these servicer-employees to allege to assign the notes. Yep. Sure like to see one of those MERS’ resolutions, I would.

    Certified copies of public record docs are judicially noticeable in addition to providing notice in general to the public. The intent of a false instrument and its recordation is to cause errant reliance by courts (and the public alike) and as to a court, that is a sanctionable offense. You cannot submit a false document to improperly influence a court.
    Even if you concede the deed of trust and its bull about MERS as to the dot, there’s nothing in there about the note and MERS rules, at last reading, stated the note is to be negotiated (as usual). And isn’t that odd – the alleged agent has decided how the alleged principal is going to conduct his own business.

  165. Has anyone looked at the definition of a qualified real property loan for REMICs per the IRS definition? None of the loans would qualify per the rule. So if that is the case, is the loan (asset) derecognized on the books? And the banks can sell the collection rights for cash immediately (back to the residual tranche owner – the GSE), who sells it to the servicers? Thus the loan is no longer secured debt? I’m taking a stab in the dark here.

  166. Investor says to the IRS your shadow is misbehaving. MIME

  167. According to a 2009 case I’m reading, the investors end up with
    45 cents on the dollar.

  168. I guess if we want to fight fire with fire, there’s something we could do. If “MERS” assigned or assigns a collateral instrument and also purports to assign the note to a particular trust whose cut-off date has come and gone, we could start reporting the post cut-off transfers, past, present, and future, to the IRS. en masse. And we could have a website where these alleged transfers are cataloged. The goal here wouldn’t be to punish investors. It would be to get the investors to ‘urge’ the banksters to use the HAMP and other gimme-funds to modify loans or modify their servicing contracts so that meaningful mitigation could occur between the two parties who give a damn. The investors probably think they didn’t bite this off. Well, neither did we.

  169. Tonight’s dinner special is … “Lil Porgys”,
    I’m having my Chicken BBQ’ed tonight.

  170. From 4closurefraud…..HEADLINE………INSIGHT: LOSSES LOOM FOR INVESTORS ENMESHED IN MORTGAGE CHAOS….

    BOO FRICKETY HOO….THEY CAUSED IT….!

  171. MERS IS A FESTERING BOIL ON THE ASS OF AMERICA..!

  172. OH HELL NO KC …! IWILL NEVER EVER ACCEPT THAT SCAM & THAT FRAUD…..OR BE A PARTY TO IT. WE THE PEOPLE FUNDED THIS SCAM, PAID FOR EVERYTHING AND THEY DEFRAUDED US MASSIVELY.

    I DEMAND NO LESS THAN MONETARY RESTITUTION AND CLEAR TITLES …. THE RULE OF LAW….MY LIBERTY.. BE UPHELD AND MY LIBERTY AND FREEDOM BE RESTORED.

  173. egg – a court might order the reformation of the dot to name a trustee. Depends on the court, I’d say, but I’ve seen it done. Pretty sure I’ve seen it go another way, also.

  174. If members don’t pay their club-dues or whatever for two months, it’s my understanding they’re “disengaged”.

  175. In the Walker case a few years ago, Hultman (think it was) testified that Bayrock was a member when the November 2006 (think) loan was made. The Bayrock application was dated january 2007. Don’t recall exact dates, but one gets the idea. I don’t think Walker’s attorney ever caught that.

  176. It’s a known fact that bankster servicers tack on bs fees and charges to borrowers, right? How’s this one (this is for neidermeyer). I saw a bk poc which claimed an amt owed over twice the amt of the original loan amount! I forget the breakdown of that amt. Now this was on a loan which was only a few years old. there’s no way accrued interest & principle would make the balance 200% of the loan amt. I think the attorney who submitted the proof of claim made this a practice in pro se bk filings. I meant to nail him when the time came and if i can find that stuff again, the time has come. If that bs amt is entered as a book loss after the re-sale, it’s a tax scam. Plus the borrower could end up with a totally bogus 1099.

  177. MSFraud had the complete list not long ago with over 6500 members. I’ll look it up later. “Out of MERS” is quite limited. Aside from the IRS and government, i can’t think of too many others…

  178. christine – you could look at their membership agreement. who knows who’s a member or not? I’m not even sure MERS knows.

  179. Beware of the word love it can be used as a weapon. Like the N word. It can have other meanings. Eric Holder was right when he said we are a nation of cowards when it comes to having an honest discussion about race. Everyone is prejudice and racist in one way or another. Why be a phony and a liar and hide it?

  180. Also – after two years of fighting, yesterday I noticed that my “refinance” was really a HELOC!! They had two HUD-1s in the title company file, and one showed me receiving $200k at closing!! They took that equity line of credit (opened in my name) and created an escrow account in the title companies name. Then, the bait and switch on the HUD-1 closing agent refers to Titleserv – who was mysteriously shut down and raided by FBI (they took all the docs). That was in April 2011 so not much hope of a break there. But THIS explains the missing payoff wire on my refi. Can you say TILA violation? Check your paperwork closely, the banks were lazy when hiding their schemes to take your home’s equity via your own credit.

  181. Request your MERS Milestone Report to see why you are inactive. It shows all the transfers of beneficial interest, as well as who made the note in MERS/date.

    Also, because MERS wasn’t designed to assign mortgages out to MEMBERS… MERS can only act as agent for the LENDER per the terms of the mortgage. If the person who signed your document isn’t on the list of certified officers for your LENDER (not SERVICER), then does that person have authority to act on behalf of another member (lender) to make an assignment? If so, when did the lender allow that servicer entity to act on its behalf?

  182. KC,

    Do you want to read that infamous letter i sent Congress and Obama (and never got any answer to but I get up every morning thinking…”Maybe today’s the day the FBI will come knocking…” Gives me a reason to get up too.)

    It’s a current, KC. It’s sweeping the entire world. Quiet revolution of people saying: “No. I won’t do that!”

  183. I do Christine .. I also see the triple taxation. Good Grief!

  184. They leave the record open and sealed because the debt of ownership can never be repaid when there will always be an outstanding balance. You never really get ownership just a life estate. Knowing and Accepting … Its been hard for me to do … I suspect I’ve always known but remained in denial. I just had to accept it. I Thank those of You who were there for me to talk to.

  185. Which begs the question – why does MERS ever need to do an assignment out to a MEMBER to foreclose? The system wasn’t designed to require it, yet MERS now forbids foreclosures commenced it its own name. However, was the authority granted to MERS to assign to MEMBERS via certifying officers? I need to go hunt down the presentation on MERS rules for certifying officers to see…

  186. Good luck
    Are you in CA?

  187. KC,

    Did you read what i posted about MERS and the inactive accounts? You’re onto something. One of the atty who answered confirmed transfers to “non0MERS” entities. Who do we know who qualifies other than the IRS? And that opens the door to a whole lot of other questions… including government taking back the country foreclosure by foreclosure… does that make sense in the context of what i was saying about the behind-the-scene redistribution of wealth?

  188. You are having to much Fun today Christine … for someone who has been kicked out and all … LOL! I have been kicked out going on three years now. Nope! They still wont let me back in. I am to hot to handle. Oh well … Scratch that one……

  189. I love you too, stripper. Someone’s gotta do it and i’m in a magnanimous mood… 🙂

  190. You are lying low down dirty fourflushing carcass Christine!

  191. There’s more!………CORELOGIC …. FIRST AMERICAN CORP INTEGRATED WITH MERS/THE GSES TO STEAL IT ALL FROM US UNDER THE GUISE OF INVESTING…..! SUPERCALIFRAGILISTICEXPEOLIDOCIOUS CRIMINAL FRAUD…..!
    http://www.corelogic.com/about-us/news/corelogic-integrates-fannie-mae-lqi-compliance-suite-with-ellie-mae-encompass-mortgage-management-solution.aspx

    They call her ELLIE MAE…..!

    JED WHERE’S MY SHOTGUN?

  192. Can you tell she’s slipping big time? Maybe that’s the end…? Comforting thought.

  193. JG,

    Do you recall reading anything about MERS assigning “out of MERS”? I’m trying to figure that one out since the only thing “outside of MERS” would be… the IRS? Everything else, from bank to JDB, is pretty much a MERS member.

  194. WO…..HO…HO….FIRST AMERICAN CORP JOINED FORCES WITH CORELOGIC TO FRAUDCLOSE ON YOU AMERICA….!!!

    http://www.sacbee.com/static/weblogs/real_estate/Firstam.htm

  195. How does one “invest” in FIRST AMERICAN FINANCIAL CORPORATION?…..

    WHY THROUGH INVESTOR RELATIONS OF COURSE….!
    http://investors.firstam.com/phoenix.zhtml?c=233852&p=irol-irhome

  196. Who are the investors in FIRST AMERICAN TITLE?…ANSWER…FIRST AMERICAN FINANCIAL CORP….WHO ARE THE INVESTORS IN FIRST AMERICAN INVESTMENT CORP…..? HERE ARE A FEW…..
    http://firstamericaninvestment.com/

  197. Anyone know how to get back to an older post here?

    In looking, I realized there is a ton of info here on the right and left on this page and all posts which most of us are likely overlooking.

  198. SASS….MERS IS ANOTHER INVESTMENT SCAM BY OUR ENEMIES…THE FOREIGN INVESTORS & ALL THEIR CRIMINAL FRIENDS HERE & AROUND THE GLOBE. They used MERS to hide & dump their investment fraud…! Let’s sue the INDIVIDUALS….The dirty rat investors in MERS hiding behind MERS BOARD OF DIRECTORS… http://www.mersinc.org/about-us/board-of-directors

  199. Yeah Christine cry me a river ….it looks really bad for you foreigners, you investor trolls, that the truth is exposing all of your investment DEFRAUDING vehicles like MERS & FRAUDCLOSURE …& OBAMACARE…AT THIS SITE…. YES….! IT IS ABOUT TIME…. and as a result….it is right NOW virtually impossible for you to get away with lying on this blog …! Hallelujah …& Praise the Good Lord!

  200. KC,

    Read the answer from the end attorney. “The second is that the loan was assigned out of the MERS system to another lender.” You may be right when stating that your loan was assigned out of MERS. In which case you definitely need to go to the recorder’s office and find out if they have anything on the new assignee.

    Too bad it’s nearly impossible to have coherent conversations on this damn blog! Amazing what we find out when we get in touch person to person!

  201. http://paularush.com/MERS.html

    Paula rush is outstanding. Read Nye Lavallee affidavit as well. Water to your mill if you’re questioning MERS.

  202. Put my finger on something…

    The status of my mortgage on the MERS web site is designated as “Inactive.” What does this mean?

    Asked 7 months ago – Naples, FL

    The servicer for my loan filed a foreclosure complaint against me on 8/24/2010, claiming that it is the designated holder of the note and is authorized to prosecute this action on behalf of the owner. I hired an attorney to stop the foreclosure within 20 days, and this matter has been dormant ever since.

    Attorney answers (2)

    Licensed in FL Keith Adam Halpern

    Answered 7 months ago. MERS, the Mortgage Electronic Registration Systems Corporation is a membership entity that can’t really own anything. I would like to know what the docket says in your county with regard to the foreclosure case that was filed.

    MERS can’t really own anything, but some caselaw in certain jurisdictions clarifies part of their role as a nominee for a lender, and often they claim to be a mortgagee.

    In any event if that sounded like garbley-gook, then please consult with your attorney and take a look at the docket to see what activity is in the COURT file. It’s also okay to hire counsel for a second opinion.

    I would hate for that thing to come back–and it’s at least reasonably likely that it will.

    Sorry to say, but I don’t trust much that MERS says at this stage.

    Michael T Millar,Toms River Litigation Lawyer

    An “inactive” loan designation could mean two things. The first is that the loan was paid off and closed. The second is that the loan was assigned out of the MERS system to another lender. This second one happens when the loan is in distress and in collections or foreclosure

    [I’d like to know why, though… It’s as though they bury the body while it’s still warm and could still be alive…]

  203. Guys,

    KC and I came across something interesting you may want to check out, whether you are paying your mortgage or not.

    Go to MERS. Do the research with your name, SS No. and zipcode. Do also the other two searches and see what you come up with. Our loans shows “inactive” under all 3, which technically means that it was paid off and closed.

    If you stopped paying for a while, there’s probably an explanation (although i don’t have it) but if you are still current and it still shows inactive, time to ask the hard questions…

  204. The truth is now apparent so you are either with our Constitutional Republic, the good guys or you are with the Nazi Investor Democracy Commie Satanist Hypocrisy, the bad guys….there is no more being neutral in this. You are either with us or you are with the terrorists.

  205. UKG… Grandmas Halo is lopsided and her Horns are Showing … the converging of the two can only mean one thing…. heeeheeehe

  206. Guess what Christine…? I m proud of my husband and I am proud to say my husband is no sniveling coward. Some of us took our vows…. for better or for worse ….in sickness and in health …..for richer or for poorer seriously. When the going gets tough makes a real marriage stronger, not weaker.

  207. Remember when Boehner said the politicians spent too much of our money? Well that was another lie. The politicians are the investors who helped defraud us.

    Obama was right by not allowing their fraud to be extinguished in a Bk. He would have been aiding and abetting their coverup.

  208. Correct error…they had to throw US into fraudclosure to conceal all of their criminal acts against us.

    I would never file Bk and aid and abet their cover up by dumping their fraud for them.

  209. There is no doubt in my mind these investor crooks did not pay one dime of tax on any of those payments we made. That is what those fictitious trusts, those escrow and insurance accounts were used for by the title companies/U.S. TREASURY DEPT. They had to throw is fraudclosure to hide their fraud because they closed those fraud laundering fictitious trusts when they dumped it into our laps called PUBLIC and forced us into fraudclosure to blame us and cover up their criminal acts against us.

    These investors are criminal masterminds.

  210. KC and the Sunshine Band: I still have $3.2MM fraud suit sitting stagnant in the County Court pending resolution of the matters in BK. This is the culmination of five years of battling with these pricks. Far from done.

  211. These investor crooks are also the ones who don’t want to pay their taxes and don’t want obamacare for themselves but will send the nihilists upon you to force you to pay yours.

  212. It really doesn’t matter to me what these foreign investors think or believe, what religion, race or nationality they are. They are all frauds, thieves and liars and nothing they are doing is legal, moral or ethical.

    The only way to really know who they are is by the lies they tell. You cannot always recognize their lies and this is why our nation is in peril.

    IMHO, the best we can do is fight for the rule of law to be upheld and all crooks to be held to account.

    These foreign investors need to be sued out of existence for their foreign insurrection, their undeclared war on U.S.

    If not, I won’t feel sorry for them when the people decide enough is enough and choose an eye for an eye because the rule of law is not being upheld in America.

    I see what is coming and it won’t be good.

    I pray these crooks see the light and come out of their darkness..

    It is apparent their greed is fomenting bitter hatred towards them and that is a real shame.

  213. Poppy….there are a lot of haters of America and the American people who are telling alot of lies as if they are fact. That is the reason why we are here.

    We have been hijacked by a bunch of fat cat corporate investors who want us to believe America is a democracy, a giant corporate investment bank where the own everything and everyone.

    Not only is that a big lie and a big fat fraud it is heinous, egregious, evil and destructive to our Constitutional Republic.

    We have gone from being a nation of laws to a nation of lies and that is in reality a coup de tat of our great nation.

    The American people better wake up & soon before these crooks steal it all from us under fraudulent aquisitions.

    Fraudclosure, the ongoing bailouts of these crooked investors, & OBAMACARE will be the end of our Constitutional Republic and all of our wealth, freedoms & liberties.

  214. Maher smokes too much pot, stripes…he’s funny and all that, but?

  215. This is getting ugly now like I knew it would. Playing the American people for fools and Robbing millions of freedom loving Americans into poverty to try and control them is never a good idea. Well they asked for it.

    BREAKING: THE TWA FLIGHT 800 COVER-UP EXPOSED….
    http://www.jewishterrorism.com/breaking-twa-flight-800-exposed/

  216. Listening to bill Mather’s analog crap on CNN. He sure knows how to spin the investor crapola convincingly. He said we are a democracy & people elect these politicians because they are easily swayed & so terribly misinformed. Well NO we are not a democracy, were founded as a Constitutional Republic & NO we don’t elect these jerks….the investors do…..they virtually elect themselves and the electoral college is a scam. The people are terribly misinformed and easily swayed and bill mahers success is proof of that.

    Is the electoral college even legal? It sure is a scam and a fraud and why we are all here being controlled by control freak foreign investors. It needs a Rico action brought on it. Too bad the foreign investors fraudulently control our DEPARTMENT OF JUSTICE/TREASURY TOO….! MWAHAHA….IT’S GREAT TO BE A FOREIGN INVESTOR HIJACKER NAZI IN AMERICA…!

  217. Please Christine stop insulting your own meager intelligence. I know you are some weird kind of control freak sadomasochist but try and control your illness in public.

    So please do yourself a favor and get yourself on some meds and I will worry about my own husbands snoring problem. A man with a deviated septum can cause enough problems in life. Like we needed all of this too….! Lucky for us we Americans are a hearty breed….!

  218. I struck a cord.

    “Married 31 years” is all alone fighting 2 foreclosures. Pro se. Hubby is awol, like many in that fight. No wonder she has to rely on her teenagers and St. Kudlow for advice… That’s alright, stripper. You’re not the only 31-year-married alone in that fight. Many husbands fucked it up for their families and vanished when the going got tough.

    Typical.

  219. It is absolutely, positively, none of your business what I do with my time Christine and, all of your nonsensical insults will not stop me. My mission is to get to the truth and restore my freedom & liberty & slowly but surely I am. God Bless America!

  220. The U.S.Treasury Department and their Attorneys from THE DEPARTMENT OF JUSTUS are fraudclosing on WE THE PEOPLE on behalf of the greedy investors who already stole $60.4 trillion dollars in U.S. TAXPAYER MONEY backed by our $12 trillion dollar stakeholders investment since 2008….. Bloomberg news reported several monrhs ago the FEDERAL RESERVE BANK collects trillions of dollars per month in mortgage payments from U.S. TAXPAYER’S per month they are not even owed and are also stealing $85 billion per month in the U.S. TAXPAYER funded ongoing INVESTOR BAIL-OUT….THE INVESTORS HIDING IN THIS CORP ARE WHO HAVE LABELED THEMSELVES TOO BIG TO FAIL….

    The FED announced the INVESTORS will be tapering their robbery of us down to $45 billion per month maybe by fall and will not be using our stolen money to repurchase their own fraud AKA MORTGAGE BACKED “SECURITIES.”….

    All in all ……. this was the biggest Ashkenazi bank heist of our wealth in U.S. HISTORY by these foreign imposter investors. These crooks owe the U.S. TAXPAYERS GAZILLIONS…..IN OTHERWORDS AN INNUMERABLE AMOUNT OF MONEY REPORTED CNBC.

  221. “You certainly don’t stay married for 31 years to someone you fear.” Where is your husband in that quest for knowledge? He sure as hell isn’t asking ant questions. Does he have all of it figured out? So… why are you spending your life on TV and internet? Because he does such a good job quieting your fears?

    Nincompoop is handling it all by herself and it is her house to start with. Married 31 years and you’re in FC? Pro se? Where the hell is he? Or does he have all the answers already?

    Who are you trying to fool? Yourself? You’re all alone like 90% of the women trying to fight foreclosure. ‘Cuz hubby sure as hell didn’t get a lawyer, that’s for sure!

  222. Christine needs to get her own problems psychoanalyzed before she goes trolling around judging others. She hates on the wrong people and acts like she has all the answers to everyone else’s problems but can’t solve her own problems like why she’s such a hater of the truth. The answers to her problems have nothing to do with us and she knows it.

  223. KC,

    Get into specifics or drown in generalities. US courts don’t follow Wales, England or the early common law. They follow jurisprudence here. You are in the nitty-gritty. Most of it is strictly state law, which restricts it even more. And keep checking who blogs here. I know I’m right on that.

  224. The early common law did not recognize a life estate in personal property, but such interests were cognizable in equity. Thus, although life estates in real estate are still created today, the life estate is more commonly used in trust instruments, typically in an attempt to minimize the effect of the inheritance tax or other taxes on transfers of wealth.

    The law of England and Wales no longer recognises the life estate at law in relation to land; instead the holder of legal title to the land (whether the freehold fee simple or a lease) will hold that land on trust first for the life tenant and then for the remainderman

  225. I am petrified of no boogey man and LMAO…certainly not him. You certainly don’t stay married for 31 years to someone you fear. I am here to help everyone fighting these crooks like myself, get to the bottom of this scam. It helps to know who your enemy is that you are fighting.

    One thing i have learned is that you are a nincompoop Christine

  226. In common law and statutory law, a life estate is the ownership of land for the duration of a person’s life. In legal terms it is an estate in real property that ends at death when there is a “reversion” to the original owner. The owner of a life estate is called a “life tenant”.

    Although the ownership of a life estate is of limited duration because it ends at the death of the person who is the “measuring life”, the owner has the right to enjoy the benefits of ownership of the property, including income derived from rent or other uses of the property, during his or her possession. Because a life estate ceases to exist at the death of the measuring person’s life, this temporary ownership agreement cannot be left to heirs (intestate) or devisees (testate), and the life estate cannot normally be inherited (but see Life Estate pur autre vie, and Estate for Term of years). At death, the property involved in a life estate typically falls into the ownership of the remainderman named in the life estate agreement.

    A land owner of an estate cannot give a “greater interest” in the estate than he or she owns. That is, a life estate owner cannot give complete and indefinite ownership (fee simple) to another person because the life tenant’s ownership in the property ends when the person who is the measuring life dies. For instance, if Bob conveyed to Ashley for the life of Ashley, and Ashley conveys a life estate to another person, Brenda, for Brenda’s life [an embedded life estate], then Brenda’s life estate interest would last only until whoever dies first, Brenda or Ashley. Then Brenda’s interest conveys to the remainder interest or reverts to the original grantee. Once Ashley dies, however, whoever possesses the land loses it (with the land likely reverting to its original grantor). This is a life estate pur autre vie, or the life of another. Such a life estate can also be conveyed originally, such as “to A until B dies”.

    Another limitation on a life estate is the legal doctrine of waste, which prohibits life tenants from damaging or devaluing the land, as their ownership is technically only temporary.[clarification needed]

  227. K is for Kat …. Scratch Stripes….

  228. Christine … Most husbands didn’t have the full picture, not even a wife in Training in late 2007 after leaving the school district. All we ever had was a standard 30 yr fixed conventional. Until this loan.. securitized. You would be shocked how ill trained NSAs are. I took a course on title abstract in late 2008. By then ….. it was to late we were already sucked in.

  229. C is for Charlotte

  230. KC,

    And you asked… what? You need specifics, girl. Ask the hard questions. Not from your husband if you want to keep being married. Ask the lawyer. What did he mean? How much do you really know?

    Want to talk quietly? cbrightlife@aol.com

    I know. I have 5 wives currently trying to save their house and family with half a deck.

    I bet Carie is in the same boat. They all are. They turn on me and i understand. Stripper, are you there too? Is this why you’re losing it?

    The only reason so many women end up blogging here day in, day out is because they are petrified because their husband didn’t give them the whole picture and they’re trying so hard to keep the family together. I know. i deal with that every single day in my job.

  231. I asked our attorney last month …. answer ….. your assets are safe but not his. ????

  232. I haven’t seen any hubbies fighting fraudclosure. It’s always the wives trying to mop up the mess. It is a monstrosity to figure out and sorry to say, most men don’t have the kind of patience required to get to the bottom of this. Not many women are fighting either from what I’ve seen but, those fighting pro se are all women.

  233. The ENRON scam had the same result on a much smaller scale. The Investors in the banks call the shots and clean out the pee-ons down below. ENRON, the S&L SCANDAL, the dotcom boom & bust Bernie Madoff were all test subjects and trial runs for the biggest bank heist of our wealth in history by this megacorp of investor thieves. They hide behind many proxies but you will find all of their names on the Corporate investor lists. They are all greedy bastards.

  234. KC,

    “I know Christine, that is what worries me.” Anon is right there with you. Many wives put in front of the fait accompli and picking up the pieces afterwards. Why do you think I am so harsh on them too?

    Those are the ones contacting me… with half the information!

    KC, I’m not kidding. I spend so much time on that! And lawyers don’t have a clue. i help women figure it out before they go to a lawyer.

  235. I am with you on lien theory UKG. Warranty Deed …. Husband and Wife Joint Tenants By Entirety. That Trumps the Trustee Deed and the Mortgage .. married to….

  236. They intended to cause feudalism between everyone. It keeps everyone distracted from the real culprits, the investor control freaks. How many divorces, suicides, robberies and murders did these investor crooks cause? We will probably never get the true statistics.

  237. The wife actually signs several docs .. (the spousal docs for marital states) … including TIL …

  238. None of us signed anything anyways so it really doesn’t matter whose name is on anything. That’s the bottom line.

  239. I know Christine, that is what worries me.

  240. The Judge says I am a pain in the dairy aire … Does not want to see me in his court room anymore. No Sir! Not Coming Back!

    I bond… not bail. LOL! …. 🙂 I like clean hands.

  241. Not just the wives, their kids too. They get the “spending money” ….our money and the cushy jobs. That’s no secret. Nepotism is a part of the game. Look at Chicago politics. Its all political cronyism….who you know or are related to. Politics is a robberbaron.

  242. Christine … You got Bail? roflmbo

  243. KC,

    And if you dealt with as many people as I correspond with on e-mail, you’d know that many screw ups with the mortgage happened when men took the lead. Wife not on the deed. Wife about to be evicted and had no clue. Wife signed one doc but not all of them and can’t fight. Wife not present and no POA.

    It goes on and on, KC. You know it. Look at your own story.

  244. KC,

    Judges have wives.who do the cleaning. Like all other wives. They buy ABC (twice as costly) and sell it to their husband when he yells at the price. Don’t tell me otherwise. Hell, the wives do the cleaning with that stupid grin too… Look at how happy those women are to have discovered ABC!!!

  245. La Dish Washers …

  246. Oh Christine … Nobody talks about the wives. Nobody… not even me. Shhhhhhh ……………………You wanna go to Jail? Orange is not my color. hahaha

  247. I have been calling for audits and accounting of every dime of our money from the local level on up since the beginning of this scam and there has been ZERO RESPONSE. The local politicians give you the run around and tell you its not their fault and blame the County or the State and knock a couple hundred off your bill. They are all goddamned crooks.

  248. It has been no accountability from DAY 1 …..beginning with 9/11…up to today. ZERO ACCOUNTABILITY ABOUT WHERE ALL OF OUR MONEY WENT…..A BIG FAT ZERO….

  249. ALL,

    You have it right there. The fighters have one angle and many roads leading to it. Numbers.

    Yes, UKG, it’s back to: “Where did my money go? Show me the accounting. Numbers, I want numbers!”

    This is your country, for Pete’s sake. You created it. If you can be sold on Cleaner ABC getting rid of 49% more than cleaner XYZ, you guys function on numbers and so do judges. Their wives buy the fucking cleaners!!!

    Why can’t you make numbers the basis of your offense or defense?

    It is all about numbers. Nothing else.

    Hugh… takes time to compiiiiiiiiiiiiiiiiile. It’s too much woooooooooooork… ! Stop the whining! Get to work and win or forever keep your peace. Meaning: Do your homework or shut the fuck up. Or… lose and no one will feel sorry for you.

  250. I AM SPITTING ON THESE INVESTOR CROOKS KFC….NOT DROOLING…DROOLING IS FOR BABIES ……

  251. Illinois is a LIEN THEORY & FACT PLEADING JURISDICTION but I am fighting 2 fraudclosures pro se….All Thanks to the NATIONAL INVESTOR INSTITUTE….& THIS INVESTOR SCAM BY THESE FOREIGN INVESTORS…..FOREIGNERS TO OUR CONSTITUTIONAL REPUBLIC….

    HOW DO THE NATIONAL INVESTOR INSTITUTE HOLD $5.4 TRILLION IN STOCK MARKET CAPITALIZATION..? BECAUSE THEY LEFT US HOLDING THEIR BAG OF FRAUD & GAMBLING DEBTS…THAT’S HOW….!

  252. Shut Up Deadbeat Stripper! Go Drool Elsewhere!

  253. UKG… Master Servicer was Right. It was the Accounting. Since when do innocent people become considered collateral damage in the best interest of their own country? Oh Right .. when they need to cover up Bank Fraud aka Trade Secrets! Makes Me Want to Puke! As an Investor a wanna be Homeowner and a Taxpayer.

  254. Cram it Christine. The truth is going to be told whether the investors like it or not. This is our country, not theirs.

    I am not revealing any info about my pending cases. Things are egregious and heinous enough thanks to the FOREIGN INVESTORS….FOREIGNERS TO OUR CONSTITUTIONAL REPUBLIC…

    .
    Yes UKG….That qualifies as a good fight and I like that ruling a lot.

  255. Oh.. UKG.. you can blow a powerful blow to! LOL!

    JG… Original Deposition Transcript of Angela Edwards (Carter 11-22504)

  256. gault, I am very fortunate in that Wisconsin is a lien state, I own title first, a lien must be proven. all the forged phony documents tell a story by themselves. See the judges opinion that I posted below. It’s already in appeal and partially overruled.
    and I always appreciate the time you spend here educating the masses.
    it’s funny how all the standing and securitization and recording and MERS issues are all coming back to the accounting issues as Soliman stated. Seems we all took the long way to get there, but one argument could never be made without the other in tandem, IMHO, as you would say.

  257. We have been riding in the tail winds of Res Judicata. Waiting for the big boys to get finished battling it out..

  258. THE NATIONAL INVESTOR RELATIONS INSTITUTE HAS $5.4 TRILLION IN STOCK MARKET CAPITALIZATION……MWAHAHA…….READ ABOUT IT HERE…….
    http://en.wikipedia.org/wiki/National_Investor_Relations_Institute

  259. for your reading pleasure: the “proposed Findings..and Conclusions of Law” of one Judge Susan Kelly. She forgot one thing: the evidentiary hearing. We’ve already had the two sets of plaintiffs re-joined by Fed Dist. ruling.
    http://www.wieb.uscourts.gov/opinions/files/pdfs/Rinaldi_et_al_v._HSBC_et_al._-_Decision.pdf

    now read this…..sent by a colleague of mine……
    Attorney affidavit was not prima fascie evidence for summary judgment.

    this is just a footnote from one judges’ well-reasoned opinion in:
    Central Bank v. Duncan,Court of Appeals, District III, June 18, 2013
    Case No.2012AP2551
    2
    “Even if it did establish personal knowledge, Attorney Paiement would face an additional obstacle to his continued representation in this matter. Supreme Court rules generally forbid a lawyer from
    acting as an advocate “at a trial in which the lawyer is likely to be a necessary witness.” SCR 20:3.7. This is because the roles are associated with different expectations; a witness is required
    to testify on the basis of personal knowledge, while an advocate is expected to explain and comment on evidence given by others. SCR 20:3.7, cmt. 2, Advocate-Witness Rule. “It may not be clear whether a statement by an advocate-witness should be taken as proof or as an analysis of the proof.” Id. This is precisely our problem with
    Paiement’s affidavit.”

    this goes to our argument to disqualify attorneys for fraud.

    does this qualify as fighting back?
    stripes?

  260. kc – what depo?

  261. Christine … there are no words for what was allowed to happen without any prosecutions. BOA has not passed our servicing to Nationstar,(gag) but they are still duel tracking and FOS business as usual. You would get a laugh at the escrow charges on the statements they send my husband since he took back control of his escrow funds……and demanded a payoff statement in 2010. Every time he requests payoff he gets notice they are considering sending him to FC. send out property inspecter and want to offer him a MOD or Short Sale or DIL. NOPE! No payoff statement but a $17,000 escrow shortage claiming they paid what we paid … Still standing firm they are …….. Hard as a Rock with as much common sense as a Stripper. Deadbeats!

  262. Stripper,

    Until you have something of value to contribute, as in… “I did this and failed or succeeded”, or “I should have done this or that”, you are irrelevant and I will not click on anything you post. I thought by now you had gotten that much. As a person, you are irrelevant. A pest who will croak but an irrelevant pest nevertheless.

    Now, poor thing, go ahead and insult away. That’s all you know how to do, isn’t it?

  263. NATIONAL INVESTOR RELATIONS CHICAGO-NIRI – CHICAGO……,
    http://www.niri-chicago.org/?page=releasedetail&ReleaseID=772768

  264. Welcome to the UNITED STATES OF INVESTORS…&…THE NATIONAL INVESTOR RELATIONS INSTITUTE…….THEY ARE NO RELATION TO OUR CONSTITUTIONAL REPUBLIC WHATSOEVER BUT CONTROL THE WHOLE PLACE FROM BEHIND THE SCENES….!

    SURE SMELLS LIKE COMMIE BULLSHIT…

    http://www.niri.org/

  265. The banking industry is one of the US’s biggest employers … they keep their employees and venders in the dark and send them out to do the dirty work for them aka disposable collateral damage.

    I Loved that Depo… knowing that the servicers lawyer was the plaintiffs lawyer who produced those docs for the employee to sign…. OBJECTION!!! ..says the plaintiff servicer lawyer standing there knowing their firm made those false statements for the signors to affirm as true. LOVED IT!

  266. My day…notice from NSA vender management for ATI training .. same sht different day … what we want you to know … You know nothing and answer nothing….! LSILPS … the nerve calling me. Was funny thou… shows desperation….. shakey voice. Oh Well… It was worth a try. I’m all booked up.

  267. usedkarguy – nice succinct way you said that this morning, if I may say so. I think unsecured debt obligations can and do serve as cdo’s, just not these particular debt obligations and by these trusts. These notes in most if not all states can’t be enforced without the coll instrument because of the “security first” laws (any first act to recover on a note secured by a residence must be one against the collateral, the ‘security’). I’m not sure that having an unsecured note finds the trusts with nothing at all in them (if the notes were properly negotiated all the way down the line). I’m pretty sure of one thing, tho, these days – the trusts can’t enforce the notes even with the collateral instruments if it means they would take title to real property Enter MERS, the alleged nominee v agent)? Some courts are now saying that the note and dot have been bifurcated, but that reunification is possible. maybe. Darn nice of them to finally decide they’re bifurcated after millions lost homes to bifurcated notes and dots. Learning curve? Well, judges don’t get one, although in their defense, no one in history has ever seen such a legal snow job.

  268. Every aspect of the industry has been deliberately effed up by the banks says Christine. The banks do what the investors want. Thank the Sarbannes-Oaxley Act of 2002 which significantly increased the importance of INVESTOR RELATIONS in the financial markets.

    Read about it here…INVESTOR RELATIONS….
    http://en.wikipedia.org/wiki/Investor_relations

  269. KC,

    Believe me, I understand what it’s like to get the wrong advice. Just to put things into perspective, I got myself into $6,000 worth of error by trusting a wormy outfit to get a “modification” for me and another wormy outfit to help me negotiate debt repayment (both under investigation for so long now, it’s not even funny!) I didn’t get it right from the get go! I made choices and didn’t like the results. Litigation was the last thing on my list because… well, an honest person goes the honest way first, right?

    In that mess, there is no “honest” way. There’s only the jugular way. Banks and attorneys taught me well. I go for the jugular. So far, it’s working. But i get very frustrated when, having learned the hard way, people who ask for my advice still don’t listen and run in every direction like brainless hens in a thunderstorm.

    That’s why i am so harsh on Carie. She had the benefit of Anon’s and my mistakes. Water under the bridge. Anon, on the other hand, pursues her angle… in court. So do Colleen, Dee and the many who write to me regularly. Tough road. Doers are in it together. Screamers without substance? Not so much…

    No wrong angle. Pick one. Only one. Stick with it to the end. Dig into it. Know it inside out. Get the cases backing it up. My philosophy. And it still isn’t a sure proof method of winning. Perspective is necessary too.

    And i ain’t paying my taxes until I have serious answers from both Congress and White House. What’s the worst that can happen? I croak? I will at some point. In the meantime, i will live well and enjoy myself.

  270. Paula Deen got canned from the Food Network for saying the N word. CNN portraying it with their usual racial bias asking only black people what they think about it. As if white people have no opinion on this matter. I think as usual it is more of the pot calling the kettle. As if black people aren’t racist. Oh please…! I am sure there are many black people who were overjoyed to see the rich white honkey cracker get canned for saying what they call each other the N word on Tv all the time. Racism goes both ways. Oh well, more power people like Daniel Tosh of Tosh.0 who isn’t afraid to say how he feels. We need more honesty in America and less b.s.

  271. Pretty much the same here Christine… I documented everything. Paid the legal fees the late fees and escrow shortages. I filed two complaints with the AGs office and their response was that it was a legal issue and I need to talk to an attorney. hahaha .. The attorney was filing the complaints for us to the AG office. We were told that small law firms and folks such as ourselves could not afford the legal expenses to go up against big corp like BOA. So we decide to pay them off … Not enough cash and could not use title as collateral for new loan in my name or my ……….. name. So we liquidate to raise more cash while paying legal fees and saving for PI and paying E. They would not consider anything except a loan mod … huh? There is no financial hardship … you want us to lie? NO! The stress has taken its toll on us, ….. the extortion, fear and trespass from BOA hired guns .. Safeland. I wanted to know why? What was so valuable that they would do this to us… I didn’t like the answer. I cant stomach it.

  272. Correct typo …all of the investors got rich off of our backs by robbing our Treasury and investing in their own fraud.

  273. And KC,

    This mess has many, many angles to it and there is no wrong one. Jeez! Every aspect of the mortgage industry has been deliberately fucked up by the banks!

    One can run the whole gamut of what’s wrong with the entire system until he gets red-white-blue in the face and still get nowhere. In fact (and Stripper, for Pete’s sake, get that point once and for all or cry for the rest of your life), people who prevail are those who grab one angle from the get go and pursue it relentlessly. Anon picked her own angle: securitization. It is a correct angle too. She is absolutely right in her approach. So far though it’s taken 9 years of her life. I didn’t want to spend that long on a damn house. I have a life to live.

    Mine was just one angle: ‘Where did my money go?” It’s not the theory you advance. it’s how you play the game once you picked your theory. Many people here get sidetracked pursuing all the theories and not focusing seriously on any single one.

    My take on it. It’s worked for me so far.

  274. KC,

    I understand what you’re saying. It is not, however, what my battle is about. Mine is much, much more simple: I paid my mortgage. It didn’t get applied to my account for several months. I was, in substance, placed in an artificial default through no fault of mine. I wasted months of dealing with my servicer in person, by phone and in writing. Even got the AG and BBB involved. My payments miraculously resurfaced but servicer refused to credit my account with all the past due penalties I should never have been assessed in the first place and was (stupidly) paying in earnest. And while my payments had been credited, I was still monthly receiving NODs for the late fees that, although i had been paying too, miraculously were growing exponentially.

    It lasted 2 years of documenting, documenting, documenting before I took the bull by the horn and consulted an attorney. On the basis of that documentation, the guy agreed that this was egregious and that I had a case worth pushing through fed court. From that point on, i had a decision to make: pay the lawyer or… pay my mortgage. Had servicer been reasonable instead of ignoring me (a woman, you know… and a foreigner to boot! What the hell does she know, right?), I would still be paying. They forced me. I can’t pay both. They chose for me.

    And by the way… the conversion aspect of my case is very straight forward: they enriched themselves by misapplying my payments, they took the money for the alleged fees I never owed in the first place and placed them in a “suspense account” while still packing interests on the amounts allegedly owed and they put me on the foreclosure track for no good reason. In addition to other nasty little things i won’t boil you with. 3 years of litigation and they still haven’t explained where my money went… Actually they got chewed on it in appeals court a few days ago. Waiting for the ruling as we speak.

    Mers and clouded title are only relevant to me to the extent that I have been held hostage and would have a hell of a time selling today if i wanted to. Personally though, and even though it shows a pattern of behavior on the part of the banks, it’s still a non-issue for me. I don’t give a hoot about the house. I sure as hell want 5 years worth of damages plus attorney’s fees: my time and peace of mind are worth something and i have already spelled it out for them. Meanwhile, servicer won’t have a dime of mine until that is resolved. After that, we’ll see. One battle at a time.

    Understand that I didn’t default and then sue. I went the other way around. And I have something like 3 feet of docs to show for the two years spent trying to get servicer to do his job. Plus all the business cards of everyone i ever talked to in person (all of them have been let go since. And they all have an axe to grind against servicer… Tough! Employer is responsible for employee’s actions!), all the dates i went to servicer’s agency, all the phone records of my calls (unreturned, mind you), the letter to the AG and his response, BBB’s involvement, etc. etc.

    Could I lose? Sure. As i learned in my 20 years in the legal field, “No case is ever so good that you can’t lose it”. Will I? Increasingly more doubtful. That’s why I documented the hell out of the case and retained the best in the field. So far, i haven’t been disappointed. And since I’m in it for the principle, I won’t be disappointed.

  275. So if my property is worth 20×1 value. Who is holding my 19?

  276. They made profit off my name//my life estate without my knowledge … then drug my name and credit thru the mud to cover it up?

  277. To Expand….. They did this to NON Borrowers to! ME!

  278. Christine… re; conversion. credit worthiness, pre foreclosure listing and publically advertisement that you were a default deadbeat when you indeed were current had the funds been applied and not held in suspense.

    . transfer? lack of ownership. snowball slander to title. 1) Needed Trust Agreement from Seller Estate 2) Proof Mers was paid off huh? Had to satisfy both before title cleared for Warranty and Transfer…

  279. Sale-leaseback financing allows corporations to use and control essential real estate without employing vast sums of debt and equity capital into an illiquid asset class. A form of off-balance-sheet financing, a sale-leaseback allows owners to sell the property and immediately lease it back from the buyer, unlocking capital that can then be deployed in more productive ways:

    ◾Reinvest into existing operations
    ◾Finance growth and/or expansion plans
    ◾Make an acquisition
    ◾Pay down debt

    ◾Engage in investment diversification strategies (long-term estate planning)
    ◾Reallocate capital into more productive uses

    Properly executed, a sale-leaseback transaction can:
    ◾Unlock corporate capital trapped in real estate
    ◾Provide longer-term capital (10 to 25 years) than is generally available from traditional debt sources
    ◾Come at a cost comparable to debt financing and substantially less than the cost of equity
    ◾Result in off-balance sheet treatment for generally accepted accounting principles (GAAP) purposes

    See Also:
    Sale and Leaseback
    Capital Lease Agreement
    Lease Term
    Make-or-Buy Business Decision
    Cost Driver

    Lessee Defined

    In a lease agreement, the lessee is defined as the party that pays for the use of the asset or property. The lessor is the party that receives payments from the lessee in exchange for the usage of its asset or property.

    Lessor Defined

    In a lease agreement, the lessor is defined as the party that receives payments in exchange for the usage of its asset or property. The lessee is the party that pays the lessor for the use of the asset or property.

    Lessor versus Lessee

    What’s the difference between lessee vs lessor? When you sign a lease, are you the lessor or lessee? When engaging in a lease agreement, a legally binding contract, it is important to know the difference between these two terms.

    For example, consider a rental apartment. The tenant is the lessee. The landlord is the lessor. The lessee pays rent to the landlord. The lessor receives payment from the tenant. The same is true for any lease or rental agreement. The lessee pays the lessor for the right to use the asset or property. The lessor receives payment from the lessee in exchange for the usage of the asset or property.

    Operating Lease vs Finance Lease

    In accounting, a distinction is made between an operating lease versus a finance lease. The difference is in the way the lease is recorded by the lessee in the lessee’s financial statements. There is also a difference in which party assumes the benefits and responsibilities of ownership of the asset or property.

    Operating Lease Definition

    An operating lease is a short-term off-balance-sheet lease agreement. An operating lease is not recorded on the lessee’s balance sheet. This type of lease typically spans a small portion of the asset’s useful life, and the lessor retains the risks and benefits of ownership. For example, in an operating lease, the lessor is responsible for service and maintenance of the asset throughout the duration of the lease. An operating lease is also called a service lease.

    Finance Lease Definition

    A finance lease, also called a capital lease, is a type of long-term lease agreement. A capital lease is recorded on the lessee’s balance sheet. This type of lease typically spans most of the useful life of the asset. In a capital lease agreement, the lessee, the party receiving the asset or property, assumes both the risks and benefits of ownership.

  280. Indian Chief

    An old Indian chief sat in his hut on the reservation, smoking a ceremonial pipe and eyeing two U.S. government officials sent to interview him.

    “Chief Two Eagles” asked one official, “You have observed the white man for 90 years. You’ve seen his wars and his technological advances.

    You’ve seen his progress, and the damage he’s done.”

    The Chief nodded in agreement. The official continued, “Considering all these events, in your opinion, where did the white man go wrong?”

    The Chief stared at the government officials for over a minute and then calmly replied. “When white man found the land, Indians were running it. No taxes, No debt, Plenty buffalo, Plenty beaver, Women did all the work, Medicine man free, Indian man spent all day hunting and fishing, All night having sex.”

    Then the chief leaned back and smiled ….. “Only white man dumb enough to think he could improve system like that.”

  281. CNBC reporting the Jeffrey Skilling of ENRON gets 10 years knocked off of his 24 year sentence under the condition he pays $40 million dollars back to his victims and he cannot appeal his convictions.

  282. Nothing makes sense because the FEDERAL RESERVE BANK is no more than a robberbaron for the rich. Unless and until we coin and issue our own currency as the U.S. CONSTITUTION requires, nothing is going to change. The World Bank business model is fraud. Their proxy shareholders and investors have all become filthy stinking rich off of our banks. They all need to be held to account and thrown out without their heads…..!

  283. On yahoo finance: Rating Agencies

    In incriminating e-mail after incriminating e-mail, executives and analysts from these companies are caught admitting their entire business model is crooked.

    “Lord help our fucking scam . . . this has to be the stupidest place I have worked at,” writes one Standard & Poor’s executive. “As you know, I had difficulties explaining ‘HOW’ we got to those numbers since there is no science behind it,” confesses a high-ranking S&P analyst. “If we are just going to make it up in order to rate deals, then quants [quantitative analysts] are of precious little value,” complains another senior S&P man. “Let’s hope we are all wealthy and retired by the time this house of card[s] falters,” ruminates one more.

    Nice!

  284. The plaintiff’s are accusing us of doing them harm….they are calling us criminals I am presuming though the concept of harm is conceptually foggy and not well defined. It is frequently claimed that only harm (to others) provides a suitably non-partisan base for justifiable legal interference. Nevertheless, harm remains the most underdeveloped concept in our criminal law.

    The problem in these fc suits is they are being entered in the courts based on a legal theory of moral hazard that is not based in law or fact as the law requires. The basic statutory legal requirements to bring a fc suit are being ignored.

    Plaintiffs must prove at the onset of their fc action a cause of action between the injury and the conduct complained of – the injury has to be ” fairly traceable to the challenged action of the Defendant, and not the result of the independent action of some third party not before the court” (Simon v Eastern Kentucky Welfare Rights Org.).

  285. Thanks, got it…

    ________________________________

  286. Just what I argued & the fed judge would not hear it

    Sent from my iPhone

  287. The courts do not have Subject Matter Jurisdiction because the plaintiffs have no case based in law or fact to be exact. Not unless the courts want to invoke their civil/criminal jurisdiction and arrest them all for criminal negligence and suborning perjury upon Presentment of those fraud docs because they are, counterfeiting and committing forgery to gain unjust enrichment from defendants without the Security Agreement.

  288. Poppy the States don’t have jurisdiction because the Plaintiff’s failed to attach a proof of claim as the law requires. The UCC governs banks & banking in regard to this entire scam.

  289. Article 9 – section (72) “Secured party” means: (A.) A person in whose favor a security interest is created or provided for under a SECURITY AGREEMENT, whether or not any obligation to be secured is outstanding.

    (B.) Consignor…(means a person that delivers goods to a consignee (means a merchant to which goods are delivered) in a consignment (means a transaction, regardless of form, in which a person delivers goods to a merchant for the purpose of sale and: (D.) The transaction does not create a security interest that secures the obligation.

    (D.) A person to which accounts, chattel paper, payment tangibles or promissory notes have been sold.

    (E.) A trustee, indentured trustee agent, collateral agent or other representative in whose favor a security interest or agricultural lien is created or provided for.

    KEY ….THE SECURED PARTY ………MUST HAVE THE SECURITY AGREEMENT ………TO ENFORCE THE SECURITY ENTITLEMENT ….OTHERWISE THERE IS NO SECURITY ENTITLEMENT ….

    FRAUDCLOSURE & THE ONGOING BAILOUTS TO THE INVESTORS ARE AN INVESTMENT SCAM ON STEROIDS SQUARED…..ALL BEING DONE TO STEAL EVERYTHING FROM US.

  290. Jurisdiction, stripes, administrative courts do not have it…in appeal right now, for lack of subject matter jurisdiction and expect favorable ruling from higher court (from the lawyer)…just because the courts understand commercial stuff, doesn’t mean the have authority to rule, just like the assignments? No offense intended here….

  291. Ukg
    Round of applause.

  292. Simply put jg ….the U.S. TREASURY DEPARTMENT, via the States are acting like fascist dictators, fraudclosing on WE THE PEOPLE ON BEHALF OF THE INVESTORS WHO ARE ……THEMSELVES & THEIR CRIMINAL FRIENDS BOTH FOREIGN & DOMESTIC. THEY HAVE NO LEGAL AUTHORITY IN WHICH TO DO THIS BECAUSE THE TREASURY ENGAGED IN THE ORIGINATION FRAUD WITH THE FED RESERVE BANKSTERS AND ARE COVERING IT ALL UP.

    THIS IS ALL ABOUT CONTROL FREAK GREED & NOTHING MORE BECAUSE THE INVESTORS RECEIVED $60.4 TRILLION DOLLARS IN U.S. TAXPAYERS MONEY SINCE 2008 REPORTED CNBC BACKED BY THE U.S. TAXPAYERS INITIAL STAKEHOLDER INVESTMENT OF $12 TRILLION DOLLARS.

    THEREFORE THE ONGOING BAILOUT TO THE FED OF $45 BILLION PER MONTH AND ALL OF THE FRAUDCLOSURES ARE SIMPLY AN OUTRIGHT ROBBERY OF WE THE PEOPLE..

    SAME PONZI SCHEME WITH OBAMACARE AND ALL PENSION MONEY….SOCIAL SAFETY NETS …TAXATION….CREDIT LENDING AND INVESTING ARE ALL BEING USED TO BENEFIT NO ONE BUT THE RICHEST PEOPLE IN THE WORLD AND TO WEAKEN ALL OF US.

    WHY? THERE IS NEVER ANY ACCOUNTABILITY FOR WHERE ALL OF OUR MONEY GOES.

  293. All States have adopted the UCC poppy. 35 states use versions of the FEDERAL RULES OF CIVIL PROCEDURE in their State courts.

  294. well, oops. that’s not the hearing, but it’s at his website.

  295. It’s no secret or mystery that some endorsements are questionable because the legal structure of the endorsor is not known, such as (was it?) America’s Wholesale Lender. There is no identification of its structure, like Corporation, Inc., LLC. We discussed this some time back. Since I didn’t want to read the credibility-leaching, shameful petty squabbles here, I looked around for something instructive and at Weidner’s found oral arguments in .Zervas v WF wherein the court said it couldn’t tell if Freemont Mtg were a corporation or what. Failing a legal structure, Freemont couldn’t endorse a note. Here’s the hearing:

  296. An investment security entitlement AKA a MORTGAGE BACKED SECURITY CANNOT BE ENFORCED WITHOUT PROOF OF CONTROL…(5/8-106)…..BY DELIVERY & POSSESSION….(5/8-301)……BY THE APPROPRIATE PERSON….(5/8-107)…….BY THE ISSUER (5/8-201)…..OF AN INVESTMENT COMPANY SECURITY (5/8-103)…..NOT BY OVERISSUE…….(5/8-210)…..IS A PURCHASER (5/8-303) OF A SECURITIES ACCOUNT (5/8-501) PROTECTED. INDORSEMENT (5/8-304)…..OR INSTRUCTION (5/8-305) DOES NOT GUARANTEE THE SIGNATURE INDORSEMENT.

  297. I have been able to put together a good trail of proof via my documents WITHOUT the servicer or Freddie providing any docs. My case is a refi, but here is where to look to show the fraud:

    PART 1 = Understand you were defaulted shortly after you originated and no one told you. They did this so the Trust took a tax write off on the loan. GSE held the residual tranch of the REMIC (not securitized) which they sold to the servicer for pennies on the dollar for collection rights to the “fake” unpaid defaulted debt you still owed. REMEMBER — you kept paying all along, so you didn’t even know ANY of this happened.
    PART 2 = Servicer (now the “creditor” holding your Note endorsed in blank that is already PAID OFF in the eyes of the REMIC Trust) convince the borrower to refinance. Mine was a HARP. Remember, the servicer holds only UNSECURED debt collection rights, but you still think you have a regular old mortgage. In order to try to convince you to reaffirm the debt and secure it with a new lien on the real estate, the servicers have to get you to do a refi (again, not sure how this works in the case of a mod). This is why the GSE’s are doing HARP refis at loan-to-value ratios that are out of this world… better to make sure the lien is (fraudulently) re-established and take a little hit on the interest rate.
    I forgot to mention one more thing – when your servicer establishes the debt collection right from the GSE, he does what servicers LOVE to do, he SECURITIZES IT. So he gets all the money up front, and sells the stream of DEBT payments to the GSE.
    PART 3 = Because the servicer has already “foreclosed” on your mortgage, your refinance transaction is a sham. It will appear like you are buying a NEW property and paying off a DIFFERENT property, rather than a normal refinance. So check your HUD-1 statement. If it was REALLY a refinance, they would use a HUD-1A, not a HUD-1. Get your closing file from the Title Agent – there are likely MULTIPLE HUDs, and on one of them, you will see that supposedly you received the value of your former mortgage as a CASH OUT value (money laundering by the Servicer?). You will also likely see a bait and switch on the Closing agent shown on the HUD-1 statement. The closing agent you didn’t see on the forged HUD-1 is the Trustee’s Closing Agent (my house is held in Trust as a foreclosure, even though no one told me so, remember?)
    PART 4 = Try to get a Federal Reference I.D. for the payoff wire from your Title Agent/Settlement Agent. Good luck on this, because there won’t be one. They will try to pass of HUD ledgers CLAIMING who got paid off, but those ledgers are false. The ledger isn’t completely useless though, since it will show the TILA violation when the person on your NOTE and MORTGAGE isn’t listed as the person who FUNDED your loan. Pay close attention to where the money coming IN for the refinance is from. There was no payoff of the mortgage that could legally go through the Federal Wiring system without triggering suspicion (because your loan was paid off already when they faked your default and bought the servicing rights). It is a violation of the Patriot Act to not use the Federal Wire system for mortgage payoffs, isn’t it? Uh oh…
    PART 5 = Get your Mortgage Insurance Company’s Recovery Division to investigate if your loan has even been “paid off”. These are umbrella policies so they don’t keep track on a loan level basis, but they better start checking or else they will all go under.

    PART 7 = Now go check out the fraudulent Discharge of Mortgage that will be filed in your country register of deeds. Look for robo-signers. Pull their home mortgages for signature examples, pull their Notary applications, check for their job titles on line (they will work for the servicer, no matter who they pretend to be signing for… the servicer is key to the fraud, as is the GSE) In my case, the Lender ID shows the REMIC/Freddie Mac Loan Number. More than likely, if you find the I/O tranche of this REMIC in the NY Fed’s Maiden Lane Holdings list of assets – your loan was written off. Email me if you have any questions on this. But check for codes at the BOTTOM of the Discharge too. On mine it had BLK to CITI, which means BLK = BlackRock, which oversees Maiden Lane Holdings.
    PART 8 = Ask for a copy of your Note, check for any endorsements. Probably won’t be any. If you do get an appointment to see your REAL NOTE at the foreclosure mill, note the codes at the top. My original note had a code E32 at the top – which corresponded to Freddie Mac’s PRODUCT CODE for a 15 year fixed security (remember, my Note was a 30 year fixed though). I managed to get my ORIGINAL note marked PAID and my ORIGINAL mortgage marked paid from the Trustee who was listed on my Release of Mortgage. They may try to fight you on sending this – don’t back down. If you refinanced, you have a right to the proof that the debt is paid off. Make SURE you keep the envelope it came in so you can prove you got it FROM THE SERVICER or the TRUSTEE. The poor girl at the Trustee company who sent the original Note to me likely got fired afterward, since now I have the ONLY thing that proved the servicer’s entitlement to ANY debt (unsecured and written down by any insurance payments). The refinance Note that I signed? Well, it was created out of fraud and not legal for the servicer to refinance debt collection rights, is it? Wouldn’t hold up in Court with all the other evidence of fraud listed above.
    Hopefully the facts in my case help someone else know where to start looking. I am hoping to gather up others who have similar proof to file a Class Action lawsuit, so please email me if you are interested (or if you would like to whistleblow on a servicer or GSE or Title Company). I am working with a reporter to expose the story as well. I have also drafted up a Powerpoint presentation to explain the flow of the fraud as I understand it, so if you would like that, I am happy to share.
    I know that other folks on this forum have the specifics of the fraud better understood than me, and they may need to correct some of my understandings above, but at least it is a good place to start. For homeowners fighting foreclosure, go back over ALL of your closing paperwork and recorded documents with a fine-toothed comb. Pay attention to every footnote, file number, inconsistency, party involved in the transactions, party involved on the checks/wiring instructions, etc. The fraud CAN be proven if you are careful and do your research.
    Best of luck to everyone fighting!! We can win if we share the word.
    =

  298. Scroll down to Article 9, section (47) states…”Instrument” means a negotiable instrument or any other writing that evidences a right to the payment of a monetary obligation, IS NOT ITSELF A SECURITY AGREEMENT OR LEASE, and is of a type that in ordinary course of business is TRANSFERRED BY DELIVERY WITH ANY NECESSARY INDORSEMENT OR ASSIGNMENT. The term does not include (i) Investment property (ii.) Letters of credit, or (iii.) WRITINGS THAT EVIDENCE A RIGHT TO PAYMENT ARISING OUT OF THE USE OF CREDIT OR CHARGE CARD OR INFORMATION CONTAINED ON OR FOR USE WITH THE CARD.

    Section (73) “SECURITY AGREEMENT”…..means an agreement that creates or provides for a security interest.

    ARTICLE 4…..BANK DEPOSITS AND COLLECTIONS….
    http://www.law.cornell.edu/ucc/4/overview.html

  299. One important thing, IMHO, not an expert, but UCC belongs in Federal Court, not state, no jurisdiction there. Corporations are “commercial entities” as are the notes, commercial paper, important!

  300. stripes, we’re saying that alot of these (warehouse line) monies came from foreign national banks. The investor money went another direction. If a trust is funded with DEBT (notes) and not secured by HARD ASSETS (homes with valid mortgages), it constitutes an SPV that is essentially empty. Debt instruments can definitely be ASSETS, but they are worthless without the security instruments (assigned and recorded mortgages). Get the picture? And I don’t lie, but you’re a (expletive deleted) useless windbag.

  301. In Illinois, Article 8 Governs a foreclosure action unless there is a conflict with Article 8, then Article 4 & 9 Govern the foreclosure.

    Article 9…..
    http://www.law.cornell.edu/ucc/9/article9.htm

  302. Docs say
    ” conventional loan”
    So that is to conform to fannie/freddie guidelines. Now all sub prime/ jumbo loans did not. Did any of us know realize or care at the time
    We thought we had equity on purchasing
    Loan to value and in my case plus every dime and asset i had representing my life time worth.

  303. Kc
    Your comment yesterday, ithink i gotcha
    But the discovery process got interferred with and that crazy lil thing called due process
    Now the SOL clock starts ticking ftom when the fraud is discovered. So, see my point
    My case was diverted iff course my job has been trying to get it bsck on the right track
    But it takes a long way around and deducation.

  304. “Conversion is when servicers took money intended to pay for mortgages and stuck them in “suspense accounts” with no rhyme or reason”

    Hmm, Conversion: Blacks Law Dictionary

    Unauthorized assumption and exercise of the right of ownership…Commercial Instruments: a drawee to whom it is delivered for acceptance refuses to return it on demand; or any person to whom it is delivered for payment refuses on demand either to pay or return it; or it is paid on a forged indorsement. UCC sub section-3-419(1).

    Then there is direct conversion, assuming title in himself, equitable conversion, constructive conversion, involuntary conversion and fraudulent conversion…OKAY?

  305. CONVERSION ……..UCC 3 – ARTICLE 3…..
    http://www.law.cornell.edu/ucc/3/article3.htm

  306. Hey Neil, can you tell me what underwriting standards they had? Can’t find them anywhere, LOL

  307. Stupid Foreigner’s like Christine don’t even know what in the hell Conversion is but, no matter what, they know how to be freeloading scumbag lowlifes and game our system even though they say they hate America, our Constitution and anything made here. Most of all they hate paying tax but they want all of our money and their shit for free.

    The American people are waking up to their scam and realizing who the real deadbeats are. It is the foreign imposters to our Constitutional Republic who hate us but our being unjustly enriched by gaming the system. Like the investors and their tax free safe havens where they hide all of their unjust enrichments and other monies the make off the backs of the American people.

    I can’t wait until the day all of you Imposters to our Constitutional Republic like you Christine piss off the wrong people WHO ARE…. the American people.

    The day will come when every American is completely FED UP with you Imposters and the judges are FED UP with your FREELOADING WHILE YOU KNOCK ALL US too and you will all get taken to the woodshed.

  308. KC,

    Conversion is when servicers took money intended to pay for mortgages and stuck them in “suspense accounts” with no rhyme or reason other than the obvious intent to create an artificial default (what many here have been experiencing through no fault of theirs. They did not necessarily know what to do about it, unfortunately. I have little tolerance for bad faith and i attacked as soon as i could, exactly as i advised here over and over.)

    I’m past title issues, mod issues, MERS issues and any other issues. I want my damages and that’s what I have been going after since day one. If they want the f…’ing house, they can have it. Plenty more left where that one came from.

    Stripper moron: i haven’t been criticizing American. Just pointing out that holding on to the illusory image of the past without taking any action ain’t gonna fix anything for people. Insulting people overt and over because they don’t agree with your idiotic rants ain’t gonna help you. Go back to your TV: apparently, that’s where you get your best thinking from… And be prepared for people to call you on your stupid, imbecile, negative, fruitless and shiftless attitude. Personally, you could remain as stupid as you are and it wouldn’t faze me one bit. What i do know though is that you are going to lose and I am winning so far. Eat your heart out.

  309. Can’t wait for that imbecile to piss off the wrong people… Just a question of time.

  310. The latest sales pitch is there is no law because we are forced to pay tax. That could very well be because the khazar banksters and their minions owe a lot of TAX $$$$. CNBC reported the FED owes the IRS a mere $50 billion and they have received $60.4 trillion from U.S. TAXPAYERS since 2008 and that does not even include the tax money they owe us. The khazars are GREEDY….and simply never want to pay for their crimes or pay their debts…..what Obama calls “their fair share.” They call Obama a communist only when it comes to them having to pay their debts to society otherwise Obamas their man. The khazars are world class sheisters that’s for sure.

  311. A Corporate Resolution would not give MERS legal authority to convey a property title they never legally held in the first place. All of the fat cat lawyers in the world can’t fix the Origination Fraud by the Issuer. God Bless America!

  312. Like most attorneys and pro se … I bet that Attorney is still waiting for that Corporate Resolution giving her authority to sign as a Mers officer. Objection! Trade Secrets!

  313. My Warranty Deed was recorded by the Title company I presume because that is their job but, no Trust Deed was ever recorded. On the Commercial my Trust Deed was recorded but not theirs. Too late now…a tisket a tasket there is a lot of fraud in their basket.

    It is a tangled web they weaved because they aimed to deceive.

    When you execute this much fraud you can’t expect no one will catch on but these people are the most arrogant o n the planet.

    They certainly have terrorized the hell out of us since 2001 and for that they should have to pay back everything they stole from us.

    God will see to the rest.

  314. Correction ….

    I would hate to be in her shoes …. not doing her job and Confirming the facts, but instead excepting proffer because he is a lawyer and he must be right… makes her disposable to. Oh well …..

  315. That’s the information/proffer the Lawyer gave her and she affirmed it for him, just like the at my profit pay history he produced on behalf of his client of course, mis stating the amount due. I would hate to be in her shoes …. not doing her job and affirming the facts. Oh well …..

  316. What was in that depo about the borrower holding legal title ? So many Questions… no Answers … Just objections. Oh well..

  317. Bad Boy! Bad Boy! Watcha gonna do do when Granny comes for you? Live Love Laugh and Learn or is it Live Love Learn and Laugh? Oh well … I make mistakes. roflmbo

  318. They didn’t file the Trust Agreement Either to transfer the Warranty Deed Granting Hubby legal title anyway. Guess who has copy of original Trustee Warranty Grant Deed/Agreement? The beneficiary of the estate before we bought it has retained her own RE Att and responded by saying she would not object to any proceedings we filed. 🙂

  319. The Trustee Deed is Void ( not Voidable) because the Warranty Deed was not filed yet by my husband. Sheesh .. I thought that was the title companies job. Oh Well …..

  320. Kinda sorta … The Warranty Deed is also a Grant Deed. Must have Warranty Deed Filed before becoming a Grantor to a Trustee Deed. I could be wrong … I do make mistakes.

  321. You won’t sign it over because you don’t have possession of the security instrument and you never did because it never existed.

  322. The Grant Deed is the Trustees Deed and you crooks don’t have it. So that means the Warranty Deed is now the Trustees Deed and we hold it. Sorry Charlie tuna.

  323. What they won’t tell you is all of those so called mortgage payments they extorted from us were an indulgence tax these crooks collected for the benefit of their investors. It wasn’t anyones pension money they stole……NO….THEY DEFRAUDED US OF AN INNUMERABLE AMOUNT OF MONEY UNDER THE GUISE OF CREDIT LENDING.

    SAME SCAM WITH OBAMACARE…

    It is all a pension/tax scam and they never intended we would own the property.

    Well…the jokes on them because the result of their fraud is we are the holders of all of the titles.

    No matter what they tell you about this fraud….it was all premeditated.

  324. Grant Deed Trumps Trustee Deed ( cant give what you don’t have) .. it has to be filed first and uh well maybe it was not filed and/or will not be filed til the note is satisfied and the lien released. LP release/Maturity Date/ Final Release/Note Extinguished ….. BOA full of SOS Criminal Slander to Title! They know what they need to file… but they afraid I wont sign it back over of my own free will without costs. You can sugar coat it .. but SOS is SOS

  325. WHERE IS THE PROSPECTUS….? That is the servicing contract that governs the servicers. The servicers duties are limited to servicing the contracts. WHERE ARE THE TRUSTEES IS THE REAL QUESTION…

    I will tell you where they are. The sniveling cowards are hiding behind the servicers.

  326. & THEY OWE US ALOT OF TAX…..!

  327. “The bank said when the lawsuit was filed that the city sued the wrong party. Loan servicers, not Deutsche Bank as trustee, were contractually responsible for maintaining the properties and for any actions taken with respect to tenants of the foreclosed properties, the bank said.”
    Contractually responsible? with whom are servicers contractually responsible? Imo only a major eejit would say his client wasn’t responsible because it outsourced the job, and that makes me think the servicers aren’t servicing for Deutsche Bank as trustee. Any one know for a fact that titles to these properties are held by Deutsche (by way of the dot trustee’s deed)? Well, if trusts can’t own dirt like I now believe, but some take title anyway, Deutsche just blew it and could never feign ignorance about those titles and any ramifications to the trusts for taking new assets (even as an ‘exchange’) after a cut-off date.

  328. WRONG AGAIN KC…..THE CONVERSION WAS ILLEGAL & KEEPS THEM FROM OWNERSHIP.

  329. Nice…Christine who does nothing but bad mouth the American people & our Constitution is getting a free ride off of our backs and using our Constitution to defend herself. These illegal aliens have invaded and hijacked our nation and have WE THE PEOPLE living in peril as a result.

    Sheriff Arpaio has it right.. lock them up…dress them in pink jumpsuits and deport them.

  330. The conversion kept us from ownership, the right to refinance, the right to payoff early … getting triple taxed for something we don’t own. Just for starters ……

  331. Blow it out your big fat coked up commie nostrils….!

  332. So KC you are saying that our TREASURY is a FOREIGN BANK? NOW THAT’S THE LIE OF THE CENTURY… We know the U.S. GDP was $30 trillion dollars a year….half the world GDP before the big khazar coup de tat and. heist of our TREASURY DEPARTMENT. We also know the total value of all U.S. PROPERTY before their big heist was $12 TRILLION DOLLARS ….SO….STOP LYING ABOUT WHERE THE MONEY CAME FROM TO FUND THE HEIST…..WE KNOW THE U.S. TAXPAYER’S PAY FOR EVERYTHING UPFRONT AT THE ORIGINATION…!

  333. Jan is correct…. What was being converted? Should they have disclosed it to you? Did they? Did they profit from the conversion? Did the conversion harm you? TILA REG Z,

  334. Stripper is Gawd’d biggest error. He’s been reeling over it ever since… Lost a lot of credibility over that one too.

  335. Jan Van Eck is right.

    Sue the servicer on conversion (among other things). Then, stop paying. Almost 4 years in my house without one payment made. That’s a lot of house for the money…

  336. The reason there are no endorsements is because Hitler defrauded us. That is why there are no mortgages, no notes and no claims. Stalin is here to steal it all from us if we allow it.

    Keep playing their confidence game and you will never be free…in fact keep playing their confidence game and you will be their peasant slave for life….guaranteed.

  337. Don’t pay Stripes no Mind. She stills missing the bus. Here lets look at this one more time…. Thank You UKG!

    the attack is in the lacking endorsements and if you can get to talking about secured borrowing and the bank pledging your house to make money off your demise, and the judge hasn’t shut you up, you’re getting a warm audience. see the following:

    Now stop and just hold up here for a second (would ya)?.
    What loan did you get? (you got money off of a warehouse line from a foreign national bank, maybe?)
    How was the loan de-recognized ? (By the trigger event caused by massive defaults, many caused by the servicers themselves)
    Can you service a loan that is extinguished ? (You can if the borrower doesn’t understand that the loan no longer exists)
    Why is it a mortgage modification was pushed so hard.? (Because the borrower re-affirms the original documents as part of the modification. There’s your fourth collection of the amount due)
    Look, truthfully, the administrations prior and current can not hide from the fact they need modifications for one single purpose. (To put you on the treadmill of trying to pay for your mortgage A SECOND TIME when the economy completely stops.) It is a corrupt and unthinkable concept they deployed that had people rushing to conventions centers in every city (mass modification trial periods equal massive fee income for the servicers. Non of the monies were applied to principal. They were taken AGAIN as FEES.)
    Gather your loan file in your possession.
    Head to the convention center to wait for your chance
    register your name with the department of treasury IRS
    State your real income , your real assets and real sources of other income …the kind you normally do not report, etc….Yes
    That’s what you did. (4506T I think they call it. Might as well have them search your dresser drawers while you’re at it)
    Next sell the host (stranger to the note AND the DEED) on what you can afford (pledge your happiness and future income) and leave with a trial modification offer TO BE MAILED TO YOUR HOME .
    WHY …BECAUSE YOUR LOAN WAS CHARGED OFF ; WRITE DOWN , THROWN AWAY FOR RELEASING THE BANKERS FROM 20:1 TIMES THE VALUE OF YOUR NOTE. They had to write off these toxic mortgages and release the banks of the burden of the waterfall and excessive Good will that the Banks, not you , but (the) banker could no longer afford,
    [I ] mortgage for $100,000 = 400 shares /
    400 shares = $100,000 depositors account /
    $100,000 Deposit was sold for $80,000 wire
    The DBS or HSBC or US BANK bond matured as follows:
    250 Mos 100,000.00
    200 Mos 80,000.00
    50 Mos 20,000.00
    Accretion 400.00 monthly
    This is called as synthetic yield and by discounting the obligation out 200 months , hence you have the Garfield “2nd note” or how they sold your mortgage twice.
    And it (is) all legal . But the modification was not …It was to register your name and revised income and have you finance the time required to take the loan to early maturity that was for a mandatory certain remaining amount of time remaining on the bond.
    I mean come on …profiting from american homeowner suffering!
    (1) Intentional Misrepresentation (Civ. Code §§ 1572 & 1710); for selling a consumer a 30 years mortgage with 10 year interest only payments used to accelerate early pay down of principal while borrowers balance remains unchanged.
    (2) Negligent Misrepresentation (Civ. Code §§ 1572 & 1710); for selling a loan due payable over 360 months with mandatory demand for payment at the end of 50 months 360/360 versus 360 /50
    (3) Concealment (Civ. Code §§ 1572 & 1710); Using a future value and accrued “spot price” to assess the borrowers current pay history and delinquencies.
    (4) False Promise (Civ. Code §§ 1572 &1710); having compelled borrowers to miss payments to trigger a modification while they trigger a
    (5) Breach of Fiduciary Duty (Civ. Code Sec. 2923.1);
    (6) Constructive Fraud (Civ. Code § 1573);
    (7) Conspiracy to Commit Fraud;
    (8) Unjust Enrichment;
    (9) Vicarious Liability; and
    (10) Quiet Title (Code of Civ. P. §§ 760.010 et seq.)
    Pleading available for attorneys
    registerclaims@live.com
    Not legal advice and not an attorney…call your local bar for a reference Not for legal assistance or fighting claims. Not licensed

  338. Stripper is Gawd’d biggest error. He’s been reeling over it ever since… Lost a lot of credibility over that one too.

  339. Derwood needs to realize he’s not a witch … he’s not a warlock, a sorcerer, wizard or a magician.

    No power is Superior to the power of the Creator or his people.

  340. None of that shi-ite is legal UKG….AND YOU KNOW IT. They defrauded us of innumerable amounts of money.

    If every American never sent these crooks another fraudulently induced payment these sheisters would never go broke in a million years or a million lightyears, depending on what you believe these illegal aliens really are.

    It is all a big confidence game…(Dorr v People, 1907, 228, Ill, 216) and when you know that and you know these entities are in fact, ALL FRAUDS…. LIARS and demons from hell, you are well within your legal rights to reject them and all of their evil works and recover your stolen wealth & title(s). You will know them by the stench of sulfur that eminates from all of their fraud docs…..without the trustees receipt there can be no chain…no mortgage and no note.

    Fire up those grills America because what UKG is trying to say is that FOREIGN BANK IS OUR TREASURY AND THAT IS A BIG IPSO FATSO LIE…..!

  341. I Like UKG! Nice article Christine on the CW/BOA/Nationstar post. Saxton aka Suxaton. Nationstar aka Risky Business. mirrors US Banks Ocwen and to Greentree greens uckers groupies. BAD BAD BAD Groupies! It specifically says … no continuing relation to the loan. Subbies don’t stand a chance . BOA and Trustee Cooked Crispy.

  342. patrickainsworth: because they’re holding MBS and bank stocks in their retirement plans.
    dee: give credit where credit is due when transferring posts.

    the attack is in the lacking endorsements and if you can get to talking about secured borrowing and the bank pledging your house to make money off your demise, and the judge hasn’t shut you up, you’re getting a warm audience. see the following:

    Now stop and just hold up here for a second (would ya)?.
    What loan did you get? (you got money off of a warehouse line from a foreign national bank, maybe?)
    How was the loan de-recognized ? (By the trigger event caused by massive defaults, many caused by the servicers themselves)
    Can you service a loan that is extinguished ? (You can if the borrower doesn’t understand that the loan no longer exists)
    Why is it a mortgage modification was pushed so hard.? (Because the borrower re-affirms the original documents as part of the modification. There’s your fourth collection of the amount due)
    Look, truthfully, the administrations prior and current can not hide from the fact they need modifications for one single purpose. (To put you on the treadmill of trying to pay for your mortgage A SECOND TIME when the economy completely stops.) It is a corrupt and unthinkable concept they deployed that had people rushing to conventions centers in every city (mass modification trial periods equal massive fee income for the servicers. Non of the monies were applied to principal. They were taken AGAIN as FEES.)
    Gather your loan file in your possession.
    Head to the convention center to wait for your chance
    register your name with the department of treasury IRS
    State your real income , your real assets and real sources of other income …the kind you normally do not report, etc….Yes
    That’s what you did. (4506T I think they call it. Might as well have them search your dresser drawers while you’re at it)
    Next sell the host (stranger to the note AND the DEED) on what you can afford (pledge your happiness and future income) and leave with a trial modification offer TO BE MAILED TO YOUR HOME .
    WHY …BECAUSE YOUR LOAN WAS CHARGED OFF ; WRITE DOWN , THROWN AWAY FOR RELEASING THE BANKERS FROM 20:1 TIMES THE VALUE OF YOUR NOTE. They had to write off these toxic mortgages and release the banks of the burden of the waterfall and excessive Good will that the Banks, not you , but (the) banker could no longer afford,
    [I ] mortgage for $100,000 = 400 shares /
    400 shares = $100,000 depositors account /
    $100,000 Deposit was sold for $80,000 wire
    The DBS or HSBC or US BANK bond matured as follows:
    250 Mos 100,000.00
    200 Mos 80,000.00
    50 Mos 20,000.00
    Accretion 400.00 monthly
    This is called as synthetic yield and by discounting the obligation out 200 months , hence you have the Garfield “2nd note” or how they sold your mortgage twice.
    And it (is) all legal . But the modification was not …It was to register your name and revised income and have you finance the time required to take the loan to early maturity that was for a mandatory certain remaining amount of time remaining on the bond.
    I mean come on …profiting from american homeowner suffering!
    (1) Intentional Misrepresentation (Civ. Code §§ 1572 & 1710); for selling a consumer a 30 years mortgage with 10 year interest only payments used to accelerate early pay down of principal while borrowers balance remains unchanged.
    (2) Negligent Misrepresentation (Civ. Code §§ 1572 & 1710); for selling a loan due payable over 360 months with mandatory demand for payment at the end of 50 months 360/360 versus 360 /50
    (3) Concealment (Civ. Code §§ 1572 & 1710); Using a future value and accrued “spot price” to assess the borrowers current pay history and delinquencies.
    (4) False Promise (Civ. Code §§ 1572 &1710); having compelled borrowers to miss payments to trigger a modification while they trigger a
    (5) Breach of Fiduciary Duty (Civ. Code Sec. 2923.1);
    (6) Constructive Fraud (Civ. Code § 1573);
    (7) Conspiracy to Commit Fraud;
    (8) Unjust Enrichment;
    (9) Vicarious Liability; and
    (10) Quiet Title (Code of Civ. P. §§ 760.010 et seq.)
    Pleading available for attorneys
    registerclaims@live.com
    Not legal advice and not an attorney…call your local bar for a reference Not for legal assistance or fighting claims. Not licensed

  343. “…Loan servicers, not Deutsche Bank as trustee, were contractually responsible for maintaining the properties…”

    Sure…that makes a lot of sense…since they are the ones claiming the loss on the 1099A…BUT, of course, the servicers say—“we don’t own the loan”…what a load of crap.

    “…Duncan King, a spokesman for Deutsche Bank in New York, declined to comment on the settlement…” Of course he did.

  344. The Middle Class is Alive and Well because We Do What Needs to Be Done. We take care of our responsibilities and we make mistakes along the way…. But we will survive, because we know what needs to be done… We admit our mistakes and build from the fallout. Learn from our failures ….Such is normal life. Its just that the top 1% running our country right now has not, will not, won’t and probably never will admit the error in their ways/mistakes and therefore can not learn from failure.. Its to profitable. sigh…

  345. F/U moron.

  346. Deutsche Bank Settles Los Angeles Suit Over ‘Slumlord’ Claims
    By Edvard Pettersson
    June 19, 2013

    Deutsche Bank AG (DBK) reached a settlement with the city of Los Angeles to resolve a lawsuit claiming the bank acted like a “slumlord” and let foreclosed homes in low-income neighborhoods fall into disrepair.

    The bank and the Los Angeles city attorney filed a joint notice of settlement June 17 in California state court. The two sides reached an agreement in principle and are in the process of completing the documentation, according to the filing.

    Terms of the settlement of the two-year-old lawsuit, which also accused Deutsche Bank of illegally evicting tenants, weren’t disclosed in the filing.

    Los Angeles sued the Frankfurt-based bank in May 2011, claiming Deutsche Bank had become one of the major “slumlords” in the city by buying more than 2,200 properties through foreclosure. California Superior Court Judge Elihu Berle at an April 8 hearing denied the bank’s request to dismiss the case.

    City Attorney Carmen Trutanich had sought a court order for Deutsche Bank to clean up the properties and comply with the municipal code, a penalty of $2,500 a day for each violation of the code and restitution. The bank faced liabilities of “hundreds of millions of dollars,” the city attorney said in 2011.

    The bank said when the lawsuit was filed that the city sued the wrong party. Loan servicers, not Deutsche Bank as trustee, were contractually responsible for maintaining the properties and for any actions taken with respect to tenants of the foreclosed properties, the bank said.

    Duncan King, a spokesman for Deutsche Bank in New York, declined to comment on the settlement. Representatives of Trutanich didn’t immediately respond to calls and e-mails seeking comment.

    The case is People v. Deutsche Bank National Trust Co., BC460878, Superior Court of California (Los Angeles).

    To contact the reporter on this story: Edvard Pettersson in Los Angeles federal court at epettersson@bloomberg.net

  347. Christine the voodoo priestess has returned. That voodoo crap only works on weak souls and I don’t see any ’round here.

    So….you can go back to your cauldron now and with any luck at all, you will fall in a deep dark well on the way back.

  348. Actually, Countrywide is water under the bridge. Check the new ways B of A found to circumvent the law. Those dishonest brains are simply limitless in their resourcefulness…

    http://mfi-miami.com/2013/06/bofa-solves-liquidity-problem-by-circumventing-national-mortgage-settlement/

    BofA Solves Liquidity Problem By Circumventing National Mortgage Settlement

    By Steve Dibert 06.21.13

    BofA Is Selling Servicing Rights To Unregulated Servicers

    “Are you aware of the fact that your bank is turning its customers over to a processor that based on the complaints posted appears to not only lack basic competency but also poor customer service? Many of the complaints are former BofA customers, is this how you want your bank to be remembered?” -Charles Giannotti in an email to Bank of America CEO Brian Moynihan

    BofA Executive Ron Sturzenegger tells BofA CEO Brian Moynihan, “Don’t worry, I’ve got an angle on how we can unload this crap.”

    BofA Executives tell BofA CEO Brian Moynihan, “Don’t worry, we’ve got an angle on how we can unload this crap.”

    Since the beginning of the year, hundreds of thousands of homeowners with loans being serviced by Bank of America have been receiving notices that the servicing of their loans is being transferred to Nationstar Mortgage, Greentree Servicing or M&T Bank.

    On the surface, it looks like Bank of America is selling the servicing rights to these loans to raise quick revenue but when you dig below the surface there is another reason. Bank of America is doing this to avoid their obligations under the National Mortgage Settlement they signed last year.

    According to inside sources at Bank of America, this scheme appears to be the brainchild Ron Sturzenegger, the executive in charge of Bank of America’s Legacy Asset Servicing Division. Sturzenegger is in charge of handling $1 trillion of shaky or soured home loans Bank of America acquired when they acquired Countrywide Financial in 2008. Because of the amount of loans that Legacy handles, Sturzenegger reports directly to Bank of America CEO Brian Moynihan.

    Sturzenegger realizing that it would be more lucrative for Bank of America to wash their hands of these loans then it would be to comply with the settlement began looking for buyers or someone to or someone to act as a subservice the loans.

    Avoiding the National Mortgage Settlement would keep Bank of America from being accused of any more claims of “Dual Tracking” and avoided the costs of a single point of contact for homeowners required under the settlement. It would also release Bank of America from any modification agreements it signed with homeowners and may even void them. Transferring the servicing would also void any agreements Bank of America made giving special treatment to borrowers impacted by Hurricane Sandy.

    [Click on link to really start puking…]

  349. http://www.dailyfinance.com/2013/06/20/middle-class-wealth-distribution/

    When It Comes to the American Dream, the U.S. Ranks 27th in the World

    by Bruce Watson Jun 20th 2013 5:00AM

    The American Dream — the notion that anybody, regardless of background, can achieve financial stability and build a secure life for his or her family — is a huge part of America’s self-identity. For centuries, it has been enshrined in our literature, in our history and in our politics. It is, in many ways, the most important aspect of life in this country.

    However, a recent study suggests that, like so many other American things, the American Dream may have been outsourced to other countries. Specifically, the 26 other countries where median wealth is higher than in the U.S.

    Credit Suisse’s annual Global Wealth Data Book publishes a ranking of median wealth in countries around the world. Basically, this study looks at the sum of all assets, subtracts all liabilities, and comes up with the amount of money that the household in the middle of the wealth distribution can put its hands on. As one might expect, rich enclaves like the UAE (21) and Luxembourg (2) did well. Similarly, countries with a strong social safety net — like Canada (12), Sweden (24), and Germany (23) — also outpace us. But there are a few surprises, too. For example, the U.S. ranks behind Ireland (18), Spain (20) and Cyprus (25), countries that are generally recognized for their abysmal economies.

    Why does America rank so low? The answer shouldn’t come as a surprise to anybody who watches the news: To begin with, financial deregulation has concentrated wealth at the top of the income pyramid, wage stagnation has made life harder for workers, and the shredding of America’s social safety net has made it ever more difficult for people to climb out of poverty. If you’re interested in seeing a more comprehensive explanation, Les Leopold has written a pretty solid rundown.

    The other side of the story — and another aspect that makes this income inequality even more appalling — is that, while the Global Wealth Data Book’s numbers are based on the average of all households, the wealth held by the richest of the rich badly skews the equation. As this video notes, the top 1 percent of households own almost 50 percent of all stocks, bonds, and mutual funds. By comparison, the bottom 50 percent of all households own 0.5 percent of those wealth instruments.

    Or, to put it another way, the middle class dream is alive and well in America — as long as you’re part of the upper class.

  350. And you would know … exactly how? Case Closed!

  351. principal… sub sub sub x3 and throw in a prostitute to boot. No authority to wipe their own butt… not without your permission to do so. Ut oh ……

  352. That is certainly one of MERS uses KFC but MERS is a multipurpose tool. It changes its identity more than a stripper changes pole positions.

  353. And this one to…

    Dear Mers VP/Secretary please provide all documents from the principal granting you authority to act on their behalf.

  354. This is my personal favorite…

    Provide all documents demonstrating any grant of authority of any kind to MERS;

  355. Or at least it was …. teeeheeheeehe

  356. MERS is a Washing Basin for Dirty Hands. Get It Right.

  357. Maybe MERS has the CHASE discovery….oh that’s right….MERS can’t have any discovery because MERS IS NOT A BANK…..MERS is a fraud laundering operation for the sheisters. Time to bbq some banksters… I would like my bankster charred…!

  358. After that .. I’m as quiet as a mouse. 🙂

  359. Enforce the Contract aka the Note. What does the note say? And who is the beneficiary when the note is extinguished by all payments? Enforce the Contract! Please Release Me … Let Me Go.

  360. BREAKTHROUGH: FLORIDA CIRCUIT JUDGE COMPELS JPM TO PRODUCE SECURITIZATION DISCOVERY INCLUDING ALL INSURANCES ON LOAN AND DOCUMENTS CONCERNING GRANT OF AUTHORITY FROM FDIC TO JPM

    June 13, 2013

    June 13, 2013A Pinellas County (St. Petersburg) Florida Circuit Judge has overruled the majority of a Motion for Protective Order filed by JPMorgan Chase Bank, N.A. against the homeowner’s written discovery. The homeowner is represented by Jeff Barnes, Esq., who argued the matter in court and prepared the legal memoranda requested by the court following the hearing.After months of consideration following full briefing, the Court compelled JPM to produce the following documents, among others: all documents relating to the securitization including all PSAs, Master Purchasing agreements, Custodial agreements, Guarantee agreements, and Release of Document agreements; all policies of insurance including but not limited to private insurance, LPMI and NIM policies, mezzanine policies, ISDA policies and credit default swaps; all documents demonstrating any payments against the loan by any source whatsoever; documents as to suspense or unapplied transactions accounts (where banks park payments in order to reflect no payment on the loan, thereby creating a “default” situation on paper); all documents setting forth any assignment of the loan to any SIV, SPV, CDO, CMO, or credit default swap; all documents demonstrating any grant of authority of any kind to MERS; all documents evidencing any grant of authority from the FDIC to JPM relating to the loan and documents setting forth the transfer of the loan from a WaMu securitization to JPM; and any documents evidencing the application of TARP monies including request for such funds based in part on a claimed default of the loan.We have been arguing the relevance of the documents across the US for years in terms of both the standing-related issues and issues related to setoffs against the claimed amount of default and how the default was created. This ruling is the second breakthrough ruling recently obtained (the other was that obtained in a case in Tennessee where Mr. Barnes represents the homeowner which was the subject of a recent post).Jeff Barnes, Esq., http://www.ForeclosureDefenseNationwide.com

    Filed under: Uncategorized |

  361. Deb!! roflmbo! The Corporate Veil. It gets messy poking at it. Just join it. Make the Call and find out about the call you missed. Your past maturity, heck you hot flashing like me. lol! The Master Baiter or was it the Master Servicer… anyway.. call/write/serve the Master. not Gwad. Oh.. Bait Stinks! Time for a Washing. 🙂

  362. COUNTRYWIDE ELIMINATED UNDERWRITING STANDARDS BECAUSE OF MERS……AUDIT MERS….HERE’S A HEADS UP….MERS ARE HIDING OUT IN THOSE FICTITIUOS TRUSTS INSIDE OF THE TITLE COMPANIES…!!!

  363. substitute trustee was the originators title company in my case, (same owner) oh and same company was the developer/builder- very sophistocated “outfit”, when I say that they posed as substitute and beny until foreclosure time whereby a substitute transferes to a substitute who transfers to a substitute and the are simply prostitute, for ? ( I know I should be a poet )

  364. Again, I am not an attorney and know even less about bk. Sorry I can not explain it … I’m just trying to apply common sense. Really.. I don’t know… 😦

  365. Does not matter trustee still needs to defend my property rights & if he did there was only $13000 at best to pay 1.5 million
    It was declared a no asset case
    We went home knowing we held the property since no one cane forward rot defend the secured debt (did not exist)

  366. Your other debt maybe? I am just guessing here.

  367. Exemption value was higher than property value

  368. If your debts exceed your homestead exemption and other allowed items.. The bankruptcy Trustee takes control of the property, by means of FC if necessary (I suspect) you admitted to the debt, you admitted you owed that amount. . Your total debts exceeded your allowable deductions including homestead exemption. Not a lawyer and guessing on bk law. Common sense?

  369. Yes we did claim our homestead exemption

  370. Exactly
    & they were wiped out
    Then they moved forward & foreclosed against the rules if bankruptcy for collectin & I won 2 default judgements & the trustee still did not step forward to help & the fed judge refused to hear the case since that was my only fed claim

  371. After the note is extinguished, there is no mortgage to follow it. Kapeesh…..

  372. Seems to me there couldn’t be a clearer example of bifurcation than this. Bank is beneficiary of DOT and presumably still the holder of the Note, yet on the same day the DOT is executed with no one listed as the trustee, the bank assigns ONLY the DOT to MERS? The judge in my own lawsuit held just last year that the mortgage follows the note. In this case, this is not happening, obviously.

    MERS is never the trustee, so this DOT never had a trustee?

  373. Here is a foreclosure notice from a newspaper today. What do you guys make of a Deed of Trust “executed to ‘NONE'” and then on the same day assigned to MERS? Seems to me this guy has a great cause of action, if there is no trustee:

    SUBSTITUTE TRUSTEE’S NOTICE OF SALE WHEREAS, on October 15, 2007, Thomas S. Chambliss executed a Deed of Trust to “NONE” as Trustee for the benefit of Grand Bank for Savings, FSB, which Deed of Trust was recorded in Book 1602 at Page 697 in the Office of the Chancery Clerk of Forrest County, Mississippi; and WHEREAS, Grand Bank for Savings, FSB assigned said Deed of Trust to Mortgage Electronic Registration Systems, Inc. pursuant to an instrument dated October 15, 2007 and recorded in Book 1602 at Page 0713 in the Office of the Chancery Clerk of Forrest County, Mississippi; and WHEREAS, Mortgage Electronic Registration Systems, Inc. assigned said Deed of Trust to Bank of America, N.A. Successor by Merger to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing, LP pursuant to an instrument dated April 19, 2012 and recorded in Instrument NO. 689693 – and in Book 1837 at Page 366 in the Office of the Chancery Clerk of Forrest County, Mississippi; and WHEREAS, Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP, the holder of said Deed of Trust and the Note secured thereby, substituted Scot P. Goldsholl as Trustee in place of the afore-mentioned original Trustee, as authorized by the terms thereof, as evidenced by an instrument dated February 21, 2013, and recorded in as Instrument No 705111 in Book 1902 at Page 0184 in the Office of the Chancery Clerk of Forrest County, Mississippi; and WHEREAS, default having been made in the terms and conditions of said Deed of Trust, and the entire debt secured thereby having been declared to be due and payable, and the legal holder of said indebtedness, Bank of America, N.A., successor by merger to BAC Home Loans Servicing, LP, having requested the undersigned Substitute Trustee to execute the trust and sell said land and property in accordance with the terms of said Deed of Trust for the purpose of raising the sums due thereunder, together with attorney’s fees, Substitute Trustee’s fees and expenses of sale. NOW, THEREFORE, I, Scot P. Goldsholl, Substitute Trustee, will on July 11, 2013, offer for sale at public outcry to the highest bidder for cash, within legal hours (between the hours of 11:00 a.m. and 4:00 p.m.) at the northeast rear door of the Paul B. Johnson, Jr. Chancery Court Building in Hattiesburg, Forrest County, Mississippi, the following-described property: Commence at the Northeast corner of the West 1/2 of the SW 1/4 of Section 12, T-2-N, R-13-W, Forrest County, Mississippi and run South 00 degrees 45 minutes 12 seconds West for 635.89 feet; thence run South 33 degrees 53 minutes 28 seconds West for 1685.10 feet to the North margin line of Old Highway No. 49; thence run on and along said margin line North 57 degrees 38 minutes 10 seconds West for 585.19 feet to the Point of Beginning. From the Point of Beginning continue on and along said margin line North 57 degrees 38 minutes 10 seconds West for 200.01 feet; thence run North 26 degrees 49 minutes 42 seconds East for 52.97 feet; thence run on and along the Arc of a curve which curves to the right and has a radius of 150.37 feet and a chord bearing a distance of North 42 degrees 44 minutes 29 seconds East for 82.46 feet and a length of 83.53 feet; thence run North 61 degrees 44 minutes 00 seconds East for 98.53 feet thence run on and along the arc of a curve which curves to the right and has a radius of 50.00 feet a chord bearing and distance of North 89 degrees 34 minutes 23 seconds East for 46.70 feet, and an arc length of 48.59 feet; thence run South 62 degrees 35 minutes 14 seconds East for 103.04 feet thence run South 32 degrees 21 minutes 27 seconds West for 253.88 feet back to the Point of Beginning. Said parcel of land is part of the East 1/2 of the SE 1/4 of Section 11, T-2-N, R-13-W, Forrest County, Mississippi. Title to the above described property is believed to be good, but I will convey only such title as vested in me as Substitute Trustee. WITNESS my signature on this 12th day of June, 2013. /s/ Scot P. Goldsholl Scot P. Goldsholl, Substitute Trustee Dyke, Henry, Goldsholl & Winzerling PLC 415 North McKinley, Suite 1177 Little Rock, AR 72205 Telephone No. 501-661-1000 THIS DOCUMENT PREPARED BY: DYKE, GOLDSHOLL & WINZERLING, P.L.C. 415 N. McKinley, Ste 1177 Little Rock, AR 72205 Telephone No. (501) 661-1000 DHGW No. 75804G-1 Publish: June 20 & 27, 2013 July 4, 2013

  374. You filed a ch7 and didn’t claim your homestead exemption. You also claimed them as unsecured (admission of owing the debt with proffer and without proof.. POC) Other debt I suspect also played a role .. ch7 is liquidity of assets to pay debts.

  375. About time but what about me ?$1000 from Kamila Harris
    No thanks
    I declared them unsecured approved by the trustee & still got booted

  376. I Like Barnes… He knows its about enforcing the Note.

  377. from dee’s article:
    “….documents as to suspense or unapplied transactions accounts (where banks park payments in order to reflect no payment on the loan, thereby creating a “default” situation on paper)..”

    The real goal here imo isn’t necessarily foreclosure. Default, even if leading to f/c, looks more like a way to get something they need to cover up some bad act, They could ‘just’ be after the default insurance, but I sense there’s more to it. Oh, geez, I suppose in their twisted minds, they could snarf HAMP funds to make the payments and keep th borrower’s in the suspense account. I know nothing of suspense accounts but I’d bet they’re interest bearing ….to the banksters and or are somehow used to prop up their balance sheets.

    Hope Barnes is up on electronic discovery, including spoilation.

  378. patrick – because they rely solely and ignorantly on possession of a bearer note without regard to anything else affecting the right to enforce. Unfortunately, these are judges who have bought it that
    MERS, or anyone, may hold “bare naked title’ to a contract.or ‘bare naked title’ to rights created in a contract. Now throw in some courts bias in favor of their own perceptions of what is right: you owe somebody.

  379. neidemeyer – those aren’t HUD 1’s – they’re applications, form 1003 ( see bottom of page). Never heard of a loan being approved during the pendancy of a bk. I get the idea you were getting cash out to pay off the balance to the bk trustee. Makes no difference. well, that loan couldn’t go to F or F, that’s for sure. You did sign the 1003 regarding your income but I believe doing so was justifiable because that’s the income the lender / broker said was appropriate and he’s the one who is supposed to know – not you. And it’s some kind of crime to have a borrower sign a blank 1003. Don’t know it’s exact name. If you didn’t et some heinous loan terms, I would be surprised. But then, that depends on the extent to which your true financial picture was messed with.

  380. @ Dee ,

    Found the link ..

    http://foreclosuredefensenationwide.com/

  381. I see Fire in the in the Ring Pit. A Ring of Fire….. byoc… free marshmellows. Plenty of Whine. 🙂

  382. dee – interesting! I expect an appeal. Please keep us posted if you’re able.

  383. Lets see if anyone can beat this … (on the # of HUD-1’s)

    I have my full closing/funding packet from the title company … at the time of the loan application I was in BK (13?) , had a job where I got paid by production and was out of work for 4 months with a broken ankle unable to stand/walk/drive ,, my wife was working full time but only taking home half of what we needed for the BK13 pmts …

    I did not lie on the HUD-1 but I only filled out one of them … using my average wages prior to the injury as instructed by the originator.

    I have 8 different HUD-1’s in my packet all “signed” by me .. , only 2 are explainable because of differing payoff amounts from the BK trustee (still doesn’t explain the signatures).

    Fraud anywhere in the system?? I’m SHOCKED.

  384. BREAKTHROUGH:

    FLORIDA CIRCUIT JUDGE COMPELS JPM TO PRODUCE SECURITIZATION DISCOVERY INCLUDING ALL INSURANCES ON LOAN AND DOCUMENTS CONCERNING GRANT OF AUTHORITY FROM FDIC TO JPM

    A Pinellas County (St. Petersburg) Florida Circuit Judge has overruled the majority of a Motion for Protective Order filed by JPMorgan Chase Bank, N.A. against the homeowner’s written discovery. The homeowner is represented by Jeff Barnes, Esq., who argued the matter in court and prepared the legal memoranda requested by the court following the hearing.After months of consideration following full briefing, the Court compelled JPM to produce the following documents, among others: all documents relating to the securitization including all PSAs, Master Purchasing agreements, Custodial agreements, Guarantee agreements, and Release of Document agreements; all policies of insurance including but not limited to private insurance, LPMI and NIM policies, mezzanine policies, ISDA policies and credit default swaps; all documents demonstrating any payments against the loan by any source whatsoever; documents as to suspense or unapplied transactions accounts (where banks park payments in order to reflect no payment on the loan, thereby creating a “default” situation on paper); all documents setting forth any assignment of the loan to any SIV, SPV, CDO, CMO, or credit default swap; all documents demonstrating any grant of authority of any kind to MERS; all documents evidencing any grant of authority from the FDIC to JPM relating to the loan and documents setting forth the transfer of the loan from a WaMu securitization to JPM; and any documents evidencing the application of TARP monies including request for such funds based in part on a claimed default of the loan.We have been arguing the relevance of the documents across the US for years in terms of both the standing-related issues and issues related to setoffs against the claimed amount of default and how the default was created.
    ——————————————————————————–

  385. Why do judges not recognize the criminality of the servicers and banks?

  386. HEY NEIL, CALL STAN, WOULD YA? He needs help.
    There, Stan. That should help.

    Tolle, isn’t that amazing? WTF? This shows how serious they are about winning.

  387. No joke. Deals no sane person would ever even remotely entertain were being funded left and right by BANKS.

    When I set up shop as an independent mortgage broker in the late 90’s, you could look at bank turn downs all day. Fantastic lead source thank you very much.

    Late 00’s = garbage I could not jam into the shredder fast enough would just scoot over to *cough*cough XYZ SEVERAL banks and get funded, no problem.

  388. ….“leading to rampant instances of fraud and other serious lung defects….”

    “At the same time, countrywide or eliminated previously….”

    “(i.e. defects making the loans in eligible for investors sell)”

    “….an individual previously responsible for conducting a final, independent check on alone”

    This is a US Government complaint? Was it acquired through Google Translator? Has the US Attorney’s office farmed out their work to Mumbai? Has the sequester has stopped all dictionary/thesaurus deliveries? Did Linda Green sign this thing?

    So many questions, so many crimes.

  389. Hah, I have a loan from 1986 with Countrywide, originated in 2005…LOL How’s that work?

  390. Neil
    I need you to call me. I am a disabled veteran and a monthly contributer. I need representation in Osceola County.
    Stanley Putra
    262 672 2543

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