Association of Mortgage Investors Letter To JPMorgan Trust Administration RE: Notification of and Request to Address Pervasive Issues in RMBS Trusts

AMI Calls Upon RMBS Trustees to Carry Out Fundamental Responsibilities;

Private Capital Will Not Return to the Market without Transparency

Washington, D.C. – The Association of Mortgage Investors (AMI) today sent letters to the major Trustees regarding their obligations under the pooling and servicing agreements (“PSAs”) governing residential mortgage-backed security (RMBS) Trusts.  In sum, AMI’s reminds the Trustees of their legal responsibilities to RMBS certificate holders, ranging from  state pensions, retirement systems, to life-insurers, including:

 

  • Trustees Cannot be Negligent. Trustees cannot turn a “blind eye” to understanding pertinent facts and breach issues regarding the underlying collateral for RMBS, namely they cannot ignore the fact that breaches exist on the underlying mortgage loans.
  • Transparency. Upon the discovery of Events of Default or representation or warranty breaches, Trustees must notify the appropriate parties and maintain transparency for these beneficiaries as well.  They have obligations to provide investors with access to relevant deal documents, servicer notes, loan files, and other pertinent information.  In situations where a party may be unwilling to cooperate, the Trustee must act accordingly.
  • Action. In light of evidence of servicer Events of Default or breaches of any party’s representations and warranties, the Trustee is required to take appropriate action.

“The U.S. housing market place will neither function properly nor will private capital return to the market unless the Trustees take the actions required by law,” noted AMI Executive Director, Chris Katopis.  “Many public institutions will suffer as a result of the Trustees turning the other way in light of blatant evidence of servicer breaches,” he continued.  “At the heart of this situation are the actions of several entities – which as originators and as servicers — have shown an unwillingness to follow their contractual obligations and to make fair restitution to the investors including the public institutions investing in the U.S. RMBS market,” he also noted.  AMI continues to advocate tirelessly for RMBS investors, so that RMBS Trustees may promptly resolve these issues, without investors resorting to costly and time consuming litigation to vindicate their legal rights.

SOURCE: http://the-ami.org/

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4closureFraud.org

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AMI Trustee Letter to JPMorgan

Comments
63 Responses to “Association of Mortgage Investors Letter To JPMorgan Trust Administration RE: Notification of and Request to Address Pervasive Issues in RMBS Trusts”
  1. tina brooks says:

    The hold public global is seeing the wrong doing of the world trustee of wellsfargo bank and jpmorgan , and u say to ya self why want a judge revoke these people . I tell u what , its a place call change org ,draw up the compliant everybody with them , and we all sign it . To get all of this bull crap out of the world , we got to vote all the bull stuff out of the world . The administations of all of the big places like bank of america and so on , the hold staff need to be voted out , and if anybody thinks their work is good , we need to vote them out too , we have had multip years of hell , why they all have had good lives . Go to change .org . And take the vote , and vote them all out .

  2. tina brooks says:

    Did u try make a horr story compliant to the bank of englang the ficasal agent for jpmorgan chase bank na ,that company is been run , well the administation of that company is been run by trustee , and the office is in london uk .,what kind of trustee we got running the world today , first we had bush , now we have the banks doing the same stuff he doing , when u ask them a ? , they don’t no nothing , and get off the ? , by changeing the subject to a no factor of the matter we have at hand today ,low down people running the world in hi places . The adminstition of jpmorgan are trustee and can be revoke by a judge , anybody doing wrong can be revoked .we need all of this stuff revoked now today .

  3. lies is all they tell says:

    i am so tired of nothing being done by our officials i wrote Attorney General Schneiderman today he seems to want to help us home he gets my message and its not deleted.

  4. Alison says:

    I Vent is right about everything! I was on Yahoo looking for “Morgage Fraud” and “White Collar Crime”. Turns out it is the FBI we all and I mean we all have to start making complaints with the FBI and the SEC regarduing all this, also start writing to the newspapers and radio shows!!! We are the only ones who can, the Goverment is rolling out everything it can to take the attntion away from what is really going on so people don’t know that they can be paying their morgages all a long and now they have an emty nest and want to sell and downsize
    and guess what? They have a clouded title and can’t sell. So this is affectting everyone, not just us “deadbeats”. All 20,000 and I’m sure more. But remember Eric belongs to Obama and and believe me, they don’t want the Banksters to own them, they want to own the Banksters! What a perfect scheme, they let the “TOO big to fail Banks” FAIL then who owns who. And why are so many “sheeple so quick to believe otherwise? I don’t get that but I know this, I’m not a “sheeple and they are NOT getting my home unless they make me a huge offer for one that has no clouded title and no more BOA as my servicer (if they are even really my servicer” cuz if my Deed of Trust is separated from the note and securitized, then how can there be a servicer? Obama wants the banks to fail, part of the plan to crush America! I too am from Chicago and I know the dirt on dirty politics!!!!!

  5. Beth A. says:

    FYI: After Chase found out I knew about all of this fraudulent paperwork (via case inquiries w/4 law firms that turned out represented Chase …and obviously shared my knowledge with them AFTER they claimed a conflict-which actually worked in my favor, it seems.).

    Chase called out of the blue and said the foreclosure auction scheduled within that week — had been mysteriously cancelled.

    They are required to post the cancelation in the paper from what I read of state rules. This was never done. I assume it was probably posted at the courthouse – but we received nothing….ever.

    The county registrar’s office shows no assignments, no lis pendings (ever) filings.

    You know – in that single verbal notice (I picked up the phone only to learn about the cancelation from a Chase person – who verbally advised me the auction was canceled. Why? He said because “the investors didn’t want to foreclose”. Hmmm, after two attempts to get me to sign new contracts for modifications (which certainly would null & void the fraudulent mortgage and likely sign away my rights) – it has been quiet now.

    Yeah, I know – they’ll try again – and will force me argue it in court. I’m thinking they won’t make a move for so long as the named trust is wrapped up in an investor lawsuit.

    But, if Chase settles w/the investors (which I assume is via the Trustee?) – they’re next move will likely be to initiate another foreclosure…but before they could do that – I’m thinking the house’s title would have to be returned to Chase in lieu of their settlement $. That could be a while and probably won’t get done correctly. Who knows.

    In the meantime – IS IT ADVISED TO GO TO THE TRUSTEE OF THE TRUST AND REQUEST PROOF THEY OWN THE TITLE? OR SHOULD I GO TO THE TITLE COMPANY (The only one I know of is the one involved when I executed the sale)? Sorry to be a bit of a dolt here. Any info anyone can provide will be most appreciated.

    You know, all of you good people who share experiences and knowledge are just wonderful. I rarely go a day without visiting this site. Once of these days we hope to make it to a 4closurefraud happy hour since we are often in FL.

    Many Blessings!!

  6. Beth A. says:

    Hi StopGovtWaste: Excellent points, I do believe. Thank you for your kind input. We’re talking MI, in this case.

    The 1st time Chase tried to foreclose, about a 1.5 yrs ago – it was published as “Mers”. I was able to bring all current and the matter was dropped. We fell behind later down the road, and the published foreclosure then named HSBC (I may be off on the bank initials) as trustee for the 2007 Trust.

    I started to do some digging and found that the Trust at some point was no longer required to make SEC filings (due to its small size) so it fell off the radar until I found that the Trust was part of a class action investor suit. Of course the suit claimed some pretty sappy underwriing, etc. among other things – but those poor investors don’t know the 1/2 of it…such as falsified info, documents and signatures – ALL of which I was unaware of until I went to the county and printed mortage docs + looked over the data received in response to my QWR…couldn’t believe that Chase admin staff in the “copy department’ actually handed over this stuff – right to me – including Chase docs with obvious forgeries of my signature + the outrageous income verification info signed by the Chase person as “XXXXXX”. Oops…someone in the “copy department” forgot to shred that one. All of that data is stored off site in a safe, now :)

  7. First check and see if the trust legally exists. The issue regarding title in the name of a trust varies by state. In some states only the trustee can hold title to the property for the beneficiary. In other states the trust itself can hold title. Title companies ask for certificates of legal existence & in good standing prior to closing trust deals. They do it all the time. You can’t just close a deal without proof of legal existence and their proof of authority, it just doesn’t work that way in the title world.Why should the courts do it any differently?

    • Snowstorm says:

      Then all we need to do is SUBPOENA the TITLE INS. COMPANIES, and they will have to give us the names of our trusts? I’ve researched mine and can not find where my loan is. The citizen’s warriors stated a few weeks back when Terry was on educating us on (Securitization) that she will perform our audits needed for proofs in court. ($2,000). See, being out of state, not sure anyone can use it in a trial or as evidence as my experience is evidence has to be backed up by the person who performed the task. (IN PERSON to testify that this is her document and here is the RESULTS.) For out of staters to pay the costs for travel and testifing costs???? But anything that we find and research on our own can be submitted into evidence as our WORK PRODUCT. Plus we can SUBPOENA any instate employee from the TITLE COMPANY. They have to appear. They are considered “ADVERSE” or “HOSTILE” witnesses, but who cares, they have to tell the truth when faced with it. Terry stated that the TRUSTS had limited duties, That they can hold the NOTE, but it would be a violation for the trust to come to court, and that they can not foreclose.?

  8. Beth A. says:

    I dunno – sounds like a “this is your last chance to cooperate willingly…” communication… before the big class action suit hits the fan.

    This group and the investors they represent (particularly those in a 2007 Trust my loan was placed in) would love to see my mortgage docs from Chase.

    The doc copies I’d ordered were riddled with false data, signatures on pages that are not mine, income verification (“by interview”) with false info (that I NEVER would’ve signed) – including the fact that someone wrote that I received over $3,000 in rental income (I’ve never rented property in my life)….and the interviewer signature on the form that is signed in all “X’s” (too embarrased to sign their name to fraudulent info, I guess).

    So much fraud and on so many levels. It is absolutely fascinating if you bear the nausea.

    • i SO TIRED says:

      @ beth A wells fargo mortgage broker also doctored my motgage application. at the begining of this whole deal they were blaming home owners for this thinking we doctored our own application or went along with the fraud. if anyone can be my character witness i have never lie din my life. i was an out of town buyer. my mortgage application said telephone interview. i sent my paycheck stubs to the broker. i have emails to prove all my info was sent to her. ist wells fargo has me pay off car loans on used vehicles. (NOW we only did it because we wanted the american dream but now looking back …if they card about liquidity wouldnt theyhave approved us for a home worth less money, left our car loans intact so if we run into financial troubel we can have a car eposessed instead of a foreclosure hmmmmm i smell predatory lending to me she added 700$ does not sound like alot but it was enough to approve me alone for this home. i am on the note my husband was not working so they left him off the note. but i was in s. florida when i changed jobs b moving 300 mile north my salary was greatly reduced. so my 700$ turned in to 1000k less then she actually said i mad and i was unable to afford this house from day one. how predatory is this. there were 2500 homes fo rsal ein my county. i did not send paycheck stubs and my arms around her neck inthe mails saying I HAD TO HAVE T_H_I_S house. if this home was unaffordable then we choose another one. we all trusted the same people that duped us and for that i do not think we shoulld be responsible. it was so easy for her to do this. i was an hourly rate employee not salaried add a few hous here and there and wolla 700$ easy a spie. put it as the last paper signed at closing and she is scot free (i’m in the money yeah yeah) how nauseating.

      when i found the fraud i also found the mortgage applicationfrom just 1 1/2 year s earlier for home a home we had just sold to buy this one we were both on the note. we both had good jobs with a good salary combined. the mortgag eapplication 1 1/2 yrs later had me making by myself 1000k less then mine and my husnabs combined income on the other application. remember i said me and my husband both worked and made a good salary i did not get a raise.
      now this older application was 6/2004 the newer one was 2/2006. like i said i did not get a raise. will i beablle to show the older on as proof. on the paycheck stubs the same hourly rate will show. i feel so abused. used and left out to dry.

      • lvent says:

        THEY DID THE SAME THING WITH THE CAR LOANS AND THE COLLEGE LOANS. THAT WAS ALSO A PONZI SCHEME.

  9. Alison says:

    I find it quite telling that at the same time we are having this debt ceiling crisis,and threatened to have our country’s credit rating downgraded, and guess by who? The same very people who rated the the morgages to see what tranche they were to be put in. This was so premeditated and not just by a few. I for one am an American and before it’s over I’ll probably be held in contempt of court, but I am not afraid. Everyone should tie up the courts with thier suits, not give up, and complain to every official they can think of, especially the ones who want re-elected. Fu– this new world order shit and George Soro’s. Obama has got to go. Get ready cuz here we come!!!!!!!

    • i SO TIRED says:

      @ alison and snow storm i a just like like you guys so angry. yes they did use the american dream against us. we work so har and the ‘mortgage intrest deduction” was so important to us. we did not want to rent. now look what happened. wells fargo has caused such havoc in my life. and yes i complained to the government officials and do you know what they did. the sent every word i complained about back to wells fargo so wells fargo can write liar letters. how i do not know how to send the correct paper work in the mail. in one complaint i sent the fed ex tracking number and the signee. they denied it was real. that my file was never moved out of review. thye never lost any of my paper work i just didnt sned the correct papers. i just have been beat down so low by them its dis heartening to not have one goverment official or entity have them admit the fraud and modify my loan. so here i sit everything worked for all my llife in jedpardy. and yes me to allison. i have a big fooking mouth . i may live in florida but i a true new yorker born in brooklyn. you can not take that from me. i am not a little miss sweet polly. i too will end up in contempt of court becuase i will allow them to take my house. so no judge or bailif have seen any thing like me yet. should i go to the court house now and talk to someone becuase i will not beable to bear them taking my house. i worked all my life for this home what i do not understand these homes we care so much about are the homes thye should let us save. it is so easy for investors to walk away there are hundreds of homes in my area empty. but we are still here waiting. when ever a car pulls up i think its the server. i just do not beleive we deserve this. what state are you in allison because i will be joining you in jail. thats going to be the generation of people in jail women who are in contempt of court. lets keep up the fight.

    • lvent says:

      How many drank the Obama kool-aid and trusted but did not verify who was funding his campaign? The man virtually came out of nowhere. He gave one good speech and the people were sold? They say people get the Government they deserve. Goldman Sachs, The Chicago banking establishment and George Soros were his biggest campaign contibutors. That is how the NEW WORLD ORDER/WALL STREET/BANKSTERS have hijacked America. If anyone cared to look and see this man considers Saul Alinsky’s book, RULES FOR RADICALS his bible. Saul Alinsky was a socialist who believed infiltrating was how to take down a Government. One way that Saul Allinsky said to accomplish this was by becoming a Community Organizer. That is what Obama did here in Chicago. That is how and where he made his connections though I don’t think that was just per chance. These eliteists know exactly what they are doing. Nothing happens by chance. Now we have to rout out all of these treasonists and traitors and remove them from office. Our vote will never count as long as FOREIGN MULTINATIONAL LOBBYISTS ARE BUYING OUR POLITICIANS AND THEREFORE TAKING THE POWER AWAY FROM THE PEOPLE and the FEDERAL RESERVE ISSUES OUR CURRENCY BACKED BY NOTHING. The FOREIGN MULTINATIONALS WHO HATE OUR FREEDOM AND OUR NATIONAL SOVEREIGNTY have infiltrated everything and have HIJACKED AMERICA and are holding the American people hostage with weapons of financial terrorism. That is their WEAPON OF MASS DESTRUCTION.,These New World Order MEGALOMANIACS are not just happy owning everything they also want to own everyone. THEY OWN THE WORLD BANK, THE IMF, THE CENTRAL BANKS, THE FEDERAL RESERVE BANK, THE BIG BANKS, FANNIE/FREDDIE, WALL STREET OUR POLITICIANS AND OUR JUDICIARY AND EVERYTHING ELSE VIA PROXIES. WE THE PEOPLE ARE NEXT IF WE DON’T FIGHT THIS NEW WORLD ORDER TYRANNY. THEIR MOTTO IS: CONFORM OR PERISH….SOCIALISM, NAZIISM, FASCISM, COMMUNISM, then their ultimate goal, TOTALITARIANISM. THEY WANT A ONE WORLD GOVERNMENT TAKEOVER COMPLETE FOREIGN MUTINATIONAL GOVERNMENT TYRANNY. A DICTATORSHIP FULL OF MICROCHIPPED PEASANT DEBT SLAVES WHO THE GOVERNMENT OWNS AND CONTROLS EVERY ASPECT OF THEIR LIVES WITH NO OWNERSHIP OF ANYTHING BUT DEBT. A NATION OF DESTITUTE RENTERS. THEY CREATED THIS FINANCIAL CRISIS AND IT WAS INTENTIONAL AND MEANT TO DESTROY US WITH DEBT..THEY WANT TO LEVEL AMERICA BY FINANCIALLY WEAKENING US. THE NEW WORLD ORDER IS DOING THIS WORLDWIDE……. THE U.S. GOVERNMENT IS NOT BROKE AND THEY COULD PUT AN END TO THIS MANUFACTURED FINANCIAL CRISIS TOMORROW. THERE IS NO POLITICAL WILL TO FIX THIS BECAUSE THE POLITICIANS ARE ALL CORRUPT AND USELESS AND MUST BE REMOVED BY WE THE PEOPLE..

      • lvent says:

        I just want to add that I do not think Obama is all bad. He is doing many of things he said he would do like make America a socialist country.That is what spreading the wealth around means. I don’t think he hates this Country. Goldman Sachs was his largest campaign contibutor and who owns Goldman Sachs? It is one of the biggest SMOM/VATICAN/JESUIT banking proxies in the world. They are the head of the U.N./ New World Order. How many of our last presidents did the same things Obama is doing. They have been sneaking Agenda 21 in for many years. People thought the answer to our problems was we need to get rid of the Republicon president and then we didn’t like what the Demorat Obama was doing so we went and gave Congress to the Republicons. Now things are worse in many States. The American people really need to do their own homework this next election. This is not about Republicon/Demorat. Both parties are both no good. Trust but Verify.

  10. Snowstorm says:

    THEY USED THE AMERICAN DREAM AGAINST THE PEOPLE

  11. AliceN.Wunderland says:

    What a sad and pathetic letter. These Investors really think that the Trust cares about following the terms of the PSA. The Investors made zillions off these investments, were too happy to stab us all and were screaming for more loans…they certainly didn’t care how they were obtained and the fraud. They certainly didn’t follow through in checking that the Trust was doing their job. Now they are victims and they don’t like it.

    What goes around comes around. Wonder when the Servicers will start suing the Investors for all the money they advanced to them on the loans that never were in the Trust to begin with. The Trust has it made, no doubt in my mind who they work for.

    They will probably ignor this letter just like the Servicers’ ignor ours.

  12. i SO TIRED says:

    sad america in the last century is all about cons. they play on everyones ignorance. question for everyone. what did you know about foreclosures before finding these web sites. foreclosures were repossessed homes by the bank right well now what do you know about foreclosures. my sister who lost 2 houses in south florida to foreclosure still thinks i am crazy that she cant get either house back??? so if you take her and times her by 95% of the general public. we are big trouble. america loves ignorance the more people are in the dark the better. the judges in foreclosures still say i am not here to find the fraud i am here to pass rulings about what is presented. but if we are having the same conclusions……

    • lvent says:

      i so tired, We can only try to wake up the sheeple. The only way the foreign tyrants win is by secrecy. I like what Jesse Ventura said on RT news: ” I have a right to know what the Government is doing because I pay taxes.” I like Rt news motto “Question more…..” They hate fighters. Those who get it need to call them out by name in order to root out this foreign evil that is trying to overtake our freedom and our democracy. We can no longer let them rule by secrecy and that is how we will win..The truth will set us free.

  13. lvent says:

    Wouldn’t we like to know what kind of shit loans are in the GLOBAL “mortgage pool”? That would be the undeniable proof they set us up to fail.

    • lvent says:

      LET ME REPHRASE THAT, WHAT IS THE SHIT LOAN TO GOOD LOAN RISK RATIO IN THE GLOBAL MONEY FLOW POOL???????THAT IS THE PROOF OF THE SET UP TO FAIL.

    • Snowstorm says:

      I VENT, It was just on New Jersey news this evening that the Banks will start renting the foreclosed properties, as there is much money to be made in rentals these days. You are always so on the MARK girlfriend, You have been saying this all along. A NATION of renters as they have ruined our PROPERTY LAWS,. Also, they know they have SHI – titles , and the TITLE companies are balking about insuring them, so here they GO_____into the renting market. Spread the word for people to BOYCOTT the rentals as TABOO. BAD KARMA! PIGS.

      • Snowstorm says:

        SEE, this is more proof, that they can not sell these properties.

      • lvent says:

        Hi Susan, I heard this too last week I think on Bloomberg or CNBC. I think I posted it here. Someone said that most of these fraudclosures are going to become rentals. Not only are the titles bad, but if the people come back to claim their stolen homes they are going to be in a jam if they sell them with cloudy titles.. Remember what happened in I think it was Cali? The FBI called the people who bought a foreclosure and told them they would have to get out eventually because they bought their house on a cloudy title and the owners of the house want their stolen house back. I agree about boycotting the rentals. The Government can’t foreclose on cloudy title either unless the people don’t fight. The foreign tyrants want a nation of renters like commie Russia. Screw them. I hope the sheeple wake up in time to save their homes and their freedom.. We really need a moratorium. They probably won’t do it unless the people wake up and really start fighting back. It is unreal how many people just don’t get it and go to court and are like programmed robots and just go along with the program, short sale, loan mod, loan mediation with the bank.. It is awful and frightening to watch. . It is a disgrace. I love this country. I am ashamed of this Government.

  14. lvent says:

    DEATH TO THE NEW WORLD ORDER OWNED BANKSTER TYRANNY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    • Snowstorm says:

      Citizen Warriors stated that we gave 16 Trillion to Foreign Country BAILOUTS, and we have NOTHING for us. They did not state in how long of time frame? and they need more TAX money and CUTS

  15. lvent says:

    Now the BANKSTERS are talking about laying off the little guy. THAT IS BULLSHIT. Cut off the head, not the tail. MAKE WALL STREET PAY FOR THE MORTGAGE FRAUD PONZI SCHEME. THEY ARE A FOREIGN TYRANNY WHO SET AMERICA UP TO FAIL AND ROBBED US. TOP DOWN.

    • housemanrob says:

      Het Vent, Repeat all that will ya’……your holding back too much. Tell us how you really feel!

    • Snowstorm says:

      I VENT, I looked into “How to file the criminal charges?” I called all around, from Attorney General’s Office on down. I was told I had to file with the LOCAL POLICE DEPARTMENT. After they review your claim, where the FRAUD TOOK PLACE. IF THEY THINK YOU HAVE A CASE, only then will they APPOINT THE PROSECUTOR to handle an investigation. The FBI was not interested unless I could bring in alot (100′s) for the same entity. Hey, maybe that’s the way to go here today people. We all join forces, GROUP TOGETHER our FRAUD accordingly. and file the COMPLAINT WITH THE FBI.

      • lvent says:

        I found that out last fall from the FBI. I told him my story and he asked me if I was talking about the Origination Fraud and I told him yes and they weren’t coming forward with the note on my commercial property and it has been several months and he told me file a police report. That goes to the State’s Attorney and they send an investigator out and then they decide if if is a criminal case and they do represent individual cases.. I called the AG’s office after that and asked the woman what to do and she told me I might want to consult a private attorney first. That got me no where. Went to file a police report and the Chief of Police told me that first, before I do that he wanted to set me up with a meeting with someone from the AG’s office. I met with the Chief of the Investigations Division. He told me to file a complaint with the AG’s office and if they wont take my case he would see if someone at the Sherriffs dept. would because they have a mortgage fraud investigation division. If not then he would suggest I go the States Attorney route..He told me the AG’S only handle large complaints against say one lender like mine, PHH. They already are in trouble in Illinois. I was also told to call the FBI and ask for the Mortgage Fraud Division next time. I only spoke with the White Collar Crimes Division. I spoke with the FBI twice last fall, the second time was about my house and I spoke with a woman this time. I asked her if I should file a complaint with FINCEN. The FBI lady said FINCEN? WHAT’S THAT? and I said I don’t know. She told me call there and let her know what they tell me. Then she asked me if there was a dot gov for them. I told her yes and I gave her the name of the website. She told me she was going to check out their website. I called FINCEN and they told me to call the FBI. I called the FBI lady back and told her they told me to call the FBI she told me to call the pollice. I found out that FINCEN protects the Banks and they are UN. BLACK OPS. You just cant make this stuff up Susan. I have yet to file my complaint with the AG. The Investigative officer told me he may want to hire me after I get my mess fixed, He told me I know more than the people they have working for them. I said I will take the job. I still yet may just go ahead and file a police report but I think “someone” is stopping this from going criminal….The same thing happened to the 9/11 victims families. The guy from the AG’s office told me you know there are only 4 people who own everything in this world? I told him I heard that. He said I figured you did. I told him about these attorneys don’t want to help. I told them I cant think of the name for them. He and the police chief looked at each and laughed and said oh yeah, what are those called?

      • i SO TIRED says:

        snow storm cant you file a complaint and then we foward to your email all our email address someone needs to set a private email we can fell safe sending ours to. then let the fbi contact each of us individually. they will have their numbers that way. between this web site and the hamlet there is over 3k people. dont know if all want to be contacted. but again if the FBI is like our court system their pension is tied to these mbs also so they dont want help either.

    • Snowstorm says:

      Talk ’bout passing the buck, or the ole’ run around. I Vent , Indiana is not yet in foreclosure. When it goes in, I am fighting to VOID the mortgage. In N.J. I am fighting the same. I am heading to Indiana for August 8th settlement conference with the APPRAISAL COMPANY and APPRAISER. I won, and they are being held over for TRIAL on NEGLIGENCE and FRAUD. The case in Wheeling , West Virginia, the Appraiser settled out of court for $700.000, which is about what my losses come to. If they don’t settle, I will do the trial. I did TWO (2) trials in N.J. Superior Court 1993-2001, and I did win. It was appealed to the N,J, Appellate Court and I prevailed, then they appealed to our SUPREME COURT< which is N.J. Highest court, and they would not intervene, so I WON. But it took me (8) YEARS. I fought (3) sets of attorneys at the same time. TALK ABOUT NUTS. I have NO FEAR IN COURTS. I am always on the BRINK of being held over (JAILED) for CONTEMPT. FUC – them.

      • lvent says:

        WOW Susan! You should be our leader. You know way more about the Court system than me. Congratulations on all of your wins and also in the future. We need fighters for sure. When you know the truth than that is undeniable. This has nothing to do with owing somebody money. This is about way more than that. If we let them get away with this what will come next will be much worse. It will be intolerable.The foreigners who were the reason this country was founded will take America over without ever firing a shot. This is all being done in secret right now. 20 million foreclosures and the U.S. Government is allowing it. All of the devils need to be routed out by the people, exposed for the treasonists and posers that they are and removed from office. Those traitors and posers who came before them should not be left to get away with what they have done to America right under our noses either. No more rule by secrecy.

      • Readdocs says:

        Susan,
        It might be a good idea writing an E book, self publish it and link here to foreclosurefraud.org
        For a minimal fee you could self publish, and for .99 cents charge to read your book, which any
        one can afford. You make a little money for your efforts and the readers here get access to your
        knowledge.

  16. i SO TIRED says:

    yes we all know about redress the constitution and recalling our elected officials. but who leads the way. how do we actually acomplish this??? is the big quetion. we do not have a small ocuntry like egypt. we are a vast land. thousands of miles apart and from its capitol.. just like our forefathers we need a leader and i vote you Ivent. i need a second. and then we have our continental congress all over again. us out here are oyur minute men. gosh i wonder how those men did it ?????

    • lvent says:

      CLASS ACTION: PEOPLE OF THE UNITED STATES OF AMERICA- V- BANK OF AMERICA. ALL THE WAY TO THE SUPREME COURT FOR PROTECTION OF OUR PROPERTY RIGHTS AGAINST THIS FOREIGN MULTINATIONAL TYRANNY.

      • lvent says:

        THESE PRETENDER LENDERS DON’T HAVE THE NOTES AND THEY DON’T OWN THE MORTGAGE. THEY BROKE THE CHAIN OF TITLE. WE THE PEOPLE DEMAND NATIONWIDE LOAN RECISSIONS AND CLEAR TITLE TO OUR HOMES IF THEY CAN’T SHOW PROOF OF OWNERSHIP..

      • Kathleen Burt says:

        You may already know of the “mass action” suit against BOA, being brought in San Francisco, involving people suffering financially and in other ways before and during the foreclosure process. BOA tried several times to get a change of venue and was denied; it looks as if the suit will go forward., but people are still being added

        Financial suffering includes having your credit ruined, resulting in difficulty finding employment; bankruptcy, resulting in difficulty finding another lender, being pressured into a short sale resulting from pedatory fees putting one underwater.

        . Of course, they prefer the most egregious cases/worst stories to streghten the group case.

        Their opening demands are 80% principal reduction and 2% interest.

        toll free 866 400 8159 or dcurtis@ufairlaw.com

      • lvent says:

        Kathleen, Thank You for that. BOFA is the head of the banking snake. They have a vast controlling interest in the Federal Reserve Bank or you might say they own it.. Bank of America is really Bank of Italy. You can read about it at Wikipedia, U.S. TRUST CORP and than WIKIPEDIA BANK OF AMERICA. THEY REALLY ARE ALL ONE GIANT GLOBAL BANK. Here is another interesting link though they do not tell about BOFA. THE TRUTH HAS BEEN HIDDEN ABOUT WHO OWNS AND CONTROLS THE FEDERAL RESERVE BANK. http://www.laleva.cc/economy/whocontrolsthefrs.html BOFA IS THE MAIN OWNER BY AQUISITION OF US TRUST CORP VIA THE PURCHASE OF CHARLES SCWAAB IN THE SECOND QUARTER OF 2007.

    • Snowstorm says:

      I second I VENT to be our leader. I Vent, Could we think that the U.S. SUPREME COURT is not in on this conspiracy, and would schedule our case and allow us to be heard, and……WIN. I see that the Judges are allowing the FRAUD in the FORECLOSURES to proceed forward. I see we have no place to go. We can’t even find attorney’s to represent us, with or without money. I had four (4) turn my case away, which is why I am Pro-se. Experts on radio stated ” You must hire an attorney, or you will lose” Well, folks, Just how the HE – - are we supposed to get one. I am still looking for one to take over my case in Indiana Federal District Court. I plan on calling a few hundred just to prove my point out here. The New Jersey Supreme Court would NOT entertain my case that was appealed in Probate Court. We went as far as the APPELLATE COURT, and it was over. When th eparties filed to the SUPREME, they denied to hear the case. END OF STORY LINE.

      • lvent says:

        I have to go to my daughter’s softball tourney. I will talk to you guys later tonite. We can do this.

      • i SO TIRED says:

        ok I vent when she gets back from softball , she has been voted. we need to decide our 1st course of action. probably a letter to the supreme court and redress the constitution, recall all elected officials that have a conflict of intrest. they can not be involved with this ??????????? this evil doing the supreme court is not. they must help. maybe they are not aloud to get involved unless the people ask fo rhelp and bring suit????

      • lvent says:

        Susan, what about a bankruptcy attorney? A friend of mine has the same servicer PHH and the same Fannie Mae attorney network Fisher & Shapiro as I do. He filed BK a couple of weeks ago and said they lost because they did not have the note. He told me there was a Gov. sting on them for fraudulent affadavits and missing signature pages in docs. Ill has a Mortgage Foreclosure Law and I think it has stalled foreclosures. The Judges in Ill. have been made aware that just because a Plaintiff claims a defendant owes them money is not always the case. The records of the loan must be introduced otherwise it is heresay and incompetant of a Judge to grant a foreclosure. It also states that counsel should challenge any such testimony or affadavits. I think we need to file criminal complaints with the police and let the State’s Attorney’s know how rampant the fraud is. I don’t think the AG’s can bring criminal prosecutions. The FBI mortgage fraud division is another place to file criminal complaints. My County Recorder of Deeds office has a mortgage fraud hotline. They already told me to come downtown and file complaints. We need to file complaints with the AG’s as well. The more fraud we can prove the better for us. I have more to say but I have to run a quick errand.

      • lvent says:

        My brother in law has a friend who is an attorney. He and a group of his attorney friends already tried to get a ruling in favor of all of us and they were denied. They tried to get a ruling on the grounds that we recieved no actual money at the closing. I am not sure what level court they did this at. If bringing a foreclosure complaint on a cloudy title is indeed illegal than I think that could be a starting point to save many people and dismiss illegal foreclosure complaints. The pretender lenders are unfair dealing and using deceptive practices to steal homes they cannot prove they own the mortgage and the note but they are doing this criminal act in civil court. .Don’t the judges know this? To just say someone is owed the money is deceptive and dangerous. They have to show proof. The Supreme Court already ruled 130 years ago that the mortgage and the note cannot be severed or that is a nulllity. There are many things that are unjust for the people and just because they do not know these legal things should not mean they should have their home taken from them illegally. We need a Nationwide Moratorium. People need to be given a chance. People get a foreclosure complaint and the only thing they are offered is a mediation with the pretender lender and they are scared. I was told by my Senators office last fall that a moratorium has to go on a state by state basis. If we want to go to the Supreme Court for a ruling we need a lawyer to rep us. Can the Supreme Court stop illegal action in a Civil Court? Who has the legal authority to stop them in a civil court?

      • lvent says:

        I just want to say Susan that I think what you are doing, fighting your case pro se is extremely admirable. Are you fighting for clear title to your home? I think we need more people to come forward with criminal complaints to the proper authorities. We need to bitch to our State Senators and Governors and the General Assembly that we need a moratorium or at least some rules like a foreclosure law that protects homeowners from the pretender lenders. The playing field needs to be leveled. There are no checks and balances in foreclosure court. It is a debtors court and the Judges are there to help the banksters collect a debt, not protect our rights. The judges can turn a blind eye to the fraud because they are in civil court. The fact the pretender lenders can even bring a case on cloudy title is a criminal act. Someone needs to stop them. There have been recent Appellate court rulings in favor of the homeowner. Did you listen to the securitization podcast when the attorney said the most important thing to do is get out of foreclosure court? Something has to be done to prevent these crooks from stealing homes in civil court.

      • eif says:

        What Ivent says about debtors court seems sad but true.

        Plaintiffs can sue homeowners in higher courts but when one responds it does get sent to foreclosure court in many places.

        A question – have you heard of anyone saving their home after being sent to foreclosure court?

        (It could be very helpful to know and be able to refer to same).

        elders.in.foreclosure@gmail.com

    • Snowstorm says:

      I so tired, Pooling all our fraudulent documents together to file would require: The FBI told me they would only handle 100′s for the same entity; like “WELLS FARGO” or ” BANK of AMERICA”. . So we would have to locate groups of loans to match up. The local police will only file for the property where it is situated in. But……. All this fighting really may become immaterial if the BIG IMMUNITY DEAL gets passed on terms that SCREW US ALL.

      • lvent says:

        Same thing with the AG’s office Susan. The only entity who will take on individual cases is the States Attorneys office. You can file a police report at any police department to do this.

      • lvent says:

        The police may recomend you file a complaint with the State AG’s office first. I have been down this road already. It seems we are being blocked from going after them criminally until all other avenues are exhausted which is not right at all. This crime is massive and they all know it. We are creeping up on them though. Pretty soon they will have no choice but to go after the criminals or they will declare this crime spree to big to fix and TRY to tell the people this can’t be fixed and we can’t give everyone a free house. BULLSHIT. THE AMERICAN PEOPLE WILL NEVER ACCEPT THAT LIE. THE FOREIGNERS ROBBED US. I saw O’s speech the other morning and I believe he is trying to prime us up for that nation of renters thing. He said America can’t default on its bills. WE THE PEOPLE DID NOT CREATE THIS MESS. THIS MASSIVE DEBT WAS NEVER ACTUAL MONEY OWED. IT WAS SPECULATED BASED ON OUR ABILITY TO PAY. THERE IS PROOF THEY SET US UP TO FAIL. WHAT IS IN THOSE LOAN POOLS?????? HOW MANY SHIT LOANS ARE IN THOSE POOLS??????. WAY TOO MANY. THAT IS THE PROOF OF THE SET UP TO FAIL. THE CROOKS CRASHED THE STOCK MARKET INTENTIONALLY: SEE YOU TUBE VIDEO: CNBC ILLLUMINATI CRASHED STOCK MARKET. AND THERE IS PROOF THEY INTENDED FOR US TO NEVER RECOVER FROM THIS ECOMONIC CRISIS. WHERE ARE ALL THE JOBS? HOW MANY ARE ON UNEMPLOYMENT? 20 MILLION ARE IN FORECLOSURE. FACT IS: FOREIGN OWNED AND OPERATED CHASE DOLES OUT THE FOOD STAMPS TO THE AMERICAN PEASANTS THEY HELPED CREATE. THE U.S. GOVERNMENT IS NOT BROKE AND THEY CAN FIX THIS MESS TODAY IF THEY WANTED TO. THEY SHOULD HAND WALL STREET THE BILLS AND MAKE THEM PAY FOR THIS DEBT THEY CREATED OUT OF SPECULATION OR THE U.S. DEFAULTS, DECLARES BANKRUPCY BECAUSE THE FALSELY CREATED DEBT IS UNSUSTAINABLE AND THE US TREASURY DOES WHAT THE CONSTITUTION SAYS THEY SHOULD DO, ISSUE OUR OWN CURRENCY. DEATH TO THE FEDERAL RESERVE/BANKSTER/ WALL STREET TYRANNY!!!!!!!!!! THESE FOREIGNERS ARE OUT TO DESTROY OUR FREEDOM AND MAKE AMERICA PAY FOR OUR OWN ROBBERY AND TAKE US OVER WITHOUT EVER FIRING A SHOT WITH A ONE WORLD CURRENCY AND A ONE WORLD DICTATOR., THEY HATE US. CONFORM OR PERISH IS THEIR MOTTO AND THAT COMMIE TOTALITARIAN POLICY WILL NOT STAND IN THE UNITED STATES OF AMERICA….GOD BLESS AMERICA. WE WILL ROUT OUT THE TRAITORS AND TREASONISTS AND REMOVE THEM FROM OFFICE.

  17. Readdocs says:

    Don’t look to anyone else to cover your @55, it’s up to each of us. Research, read, and read, and read
    everything you can get your hands on. Dig deep, spend the time and effort of uncovering the fraud,
    the law breaking, and who these criminals are. Then push to see them investigated, push to see them
    prosecuted, and push to see them pay for their crimes if found guilty by a jury of their peers.

    • lvent says:

      FIGHT FOR CLEAR TITLE TO YOUR HOMES AND OTHER PROPERTY. IT IS ILLEGAL FOR THESE PRETENDER LENDERS TO BRING FORECLOSURE COMPLAINTS ON CLOUDY TITLES. IT IS ILLEGAL TO PUT COMMERCIAL PROPERTY INTO RECIEVERSHIP WITHOUT THE “LENDER” BEING GRANTED A FRAUDCLOSURE. FIGHT FOR YOUR PROPERTY RIGHTS AMERICA OR YOU WILL LOSE THEM TO THE FOREIGN MULTINATIONAL TYRANNY..

    • Snowstorm says:

      Thankyou so much for the compliment. Hey, I am only representing myself, as I can’t find an attorney to take the case. I think it has to do with their SECRET OATH, which is protecting the United States Corporation’s (BANRUPTCY) terms. Years ago, I had an attorney who took my case in N.J. I gave him $15,000 retainer fee. After two years into it my bill was now $38,000, and I was no closer to an agreement than day one. Then the attorney gets arrested for stealing money from women, and gets disbarred and off he goes to jail. I visited him and got all my files and took over. It took me 6 years to finally get my win. You do not have to be a lawyer, to win, but YOU DO HAVE TO DO YOUR HOMEWORK. I also will not accept losing if I KNOW THAT I AM RIGHT< AND THE LAWS ARE ON MY SIDE. I choose my battles carefully, as I DO NOT LIKE TO LOSE. You always lose in the LOWER COURTS , SO you must be prepared to APPEAL. Being pro-se is not FREE. You have to hire experts to research and testify in person for you. BUILD your case, from the BOTTOM UP. Gather all your evidence. prepare it in a fashion that the JUDGE will CLEARLY understand your POSITION. I usually file a POSITION DOCUMENT to all the parties and the COURT, so we are all on the same PAGE. But, out of necessity , I just had to do it. I apply all the COMMON SENSE that I have, as it is quite similar to most COMMON LAW . You only have to learn the LAWS that pertain to your case, then apply all the case laws that came before. Finally, which should be first is to purchase some books from WEST LAW on the RULES OF COURT for your state. These Law books are excellent and they tell you what to file, where to file, costs to file, formats to follow. Oh well, if I win or lose, I feel I have no one to blame but myself and I did the best job that I could.

      • Snowstorm says:

        Black’s Law Dictionary is also a good investment which helps with all the terminology. Good Luck I don’t really have time to write a book, but I am here if any one needs any help. You guys are my friends and I care about you all. So if you are finding yourself down and depressed, just e-mail Snowstorm. LOL I was depressed this week too. It happens to all of us. Cause fighting CITY HALL SUCKS. Local book stores have it.

      • lvent says:

        You can access Black’s Law Dictionary online by Googling a legal term.

      • Snowstorm says:

        Research can be found “LAWS” at your local library, colleges, and courts usually all have law libraries where you can reseaech the CASE LAWS that you have to apply. NOT TO SAY, this is NEW legal territories, so we may just be the next NEW CASE LAW. Law libraries are quite intimidating, but just ask for help. I was lucky one day and a nice woman attorney showed me the ropes. Once you get it, the research is easy. Just find your laws and case laws, get the pages copied, get home and read it later. I read my N.J. case law 100 times or more, and then one day it was like a LIGHT BULB going on. I GOT IT. When it all makes sense to you, and you understand the legal mumbo jumbo, you are ready for the TRIAL. The judge will KNOW YOU KNOW THE LAW, and the CASE LAW that applies. Makes it harder for a JUDGE to dismiss you, and on APPEAL , YOU WILL SAY THAT THE JUDGE ERRORED in HIS DECISION. You will have your transcript in hand for the APPEAL, to prove that the JUDGE ERRORED.

  18. Snowstorm says:

    I VENT, ALL the parties involved are looking for recourse. NOONE ever speaks of us ( The People). WHEN and HOW will OUR RIGHTS ever see any RESTITUTION.

    • lvent says:

      SUSAN, IF THE U.S. GOVERNMENT WON’T HELP ITS OWN PEOPLE BECAUSE IT IS TOO CORRUPT BY THE FOREIGN ENEMY, THEN, WE THE PEOPLE NEED TO SEEK PROTECTION FROM THE U.S. SUPREME COURT UNDER THE US.CONSTITTION AND THE U.S. BILL OF RIGHTS AND STRICT PROPERTY LAWS THAT DO PROTECT US FROM SUCH A GOVERNMENT TYRANNY..WE THE PEOPLE DO HAVE RIGHTS.THEY BETTER NOT TELL US THAT WE DO NOT.

  19. lvent says:

    THE FOREIGN OWNED BANKSTERS HAVE ALREADY TOOK IT UPON THEMSELVES TO PUT THE FRAUDULENT MORTGAGES INTO A GLOBAL TRUST WITHOUT OUR PERMISSION. WE THE PEOPLE DID NOT AGREE TO THAT.WE THE PEOPLE ARE NOT SOCIALISTS. NOW THE UNITED STATES GOVERNMENT MUST PROTECT THE PROPERTY RIGHTS OF THE AMERICAN PEOPLE AND FORCE NATIONWIDE LOAN RECISSIONS AND CLEAR TITLES TO HOMEOWNERS BECAUSE OF THE MORTGAGE FRAUD PONZI SCHEME BY THE FOREIGN ELITE.OTHERWISE, WE THE PEOPLE WILL SEEK PROTECTION UNDER THE U.S. CONSTITUTION AND THE U.S. BILL OF RIGHTS AND THE STRICT PROPERTY LAWS PUT IN PLACE BY OUR FOUNDING FATHERS TO PROTECT US FROM SUCH A GOVERNMENT TYRANNY. THE FOREIGN INFILTRATORS ARE OPPRESSING THE AMERICAN PEOPLE AND THE U.S. GOVERNMENT IS ALLOWING IT..THE FEDERAL RESERVE BANK HAS NO SAY SO HERE IN AMERICA. THEY ARE FOREIGN OWNED AND OPERATED. SEE THE LINK: http://www.laleva.cc/economy/whocontrolsthefrs.html

    • Nora says:

      We became a corporation in 1938. We are no longer the United States of America, a republic, but are now just the U.S. We are being prepared to be integrated into Russia, and its communist dictatorship.
      The Technocrati have systematically eroded our constitutional protections and nudged us ever closer to a police state so they can control us with violence and the threat of death. The only thing they fear is our numbers. They eavesdrop and surveil 24 hrs a day so that they know what we’re planning or doing. They’ve threatened everyone who opposes the plan of world domination, and killed those who refuse and resist. There is unbelievable evil and denial involved, and they actually believe they have a right to rule us, like the royals in England. We have no time to waste if we are going to take these evil families down. In the process we will have to dig out the corrupt politicians who hold important offices who have conspired with them, like Bush Sr and Jr, Rumsfeld, Cheney, Greenspan, Geitner, and many others. There will be bloodshed before these people are put in prison for treason and racketeering. If we are going to be a free people again, we need to disassemble our corrupt government, repeal all the laws they’ve enacted in secret to take away our freedoms, rights and constitutional protections, and revert to the original Constitution which has largely been circumvented by the evil ogliarchs. America is no longer the great country we could be proud of. She is broken, corrupted and polluted by evil tyrants, in the name of profit and power.
      I think we should begin by dropping a bomb on the Georgia Guidestones, which are an insult and a slap in the face to all free people. How dare they erect such a monument to elitest tyranny and class populace annihilation on American soil? We have ourselves to blame for being asleep at the wheel while they perpetrated a focused, long term attack on Freedom. Shame on us for sleeping in while the enemy set the charges and wired the detonator. Fight now, before they push the plunger.

      • lvent says:

        Right on Nora!!!! WOW!!! I feel the same way. You are right Nora, WE THE PEOPLE got lazy about protecting our freedom and were lulled into thinking we were safe and we allowed this foreign tyranny to dumb us down with distractions and diversions. We thought if we just voted every 4 years or so we were safe. Well that is where we were swindled. I hate the Georgia Guidestones too. Kudo’s about the Bush’s, Cheney, Geithner, Paulson, Blankfein, and all of the NWO crime syndicate who got rich off of this conspiracy. The Clinton’s as well..Like Jesse Ventura said, I have a right to know what the Government is doing because I pay taxes… J.F.K, Dwight D. Eisenhower and even F.D.R warned us about what they were planning. Alot of what these Presidents said and did was hidden from the public. This is history repeating itself and WE THE PEOPLE are once again at war with this same foreign tyranny that has been lurking there all through our history trying to overthrow us and own us. They are hiding behind the scenes and are in plain sight, they have infiltrated America. This foreign tyranny wears an American disguise but they are either treasonists or posing as American institutions. WE DO NEED TO ROOT THEM OUT. We still have a U.S. CONSTITUTION and a U.S. BILL OF RIGHTS and laws that protect WE THE PEOPLE from such a Government tyranny. People don’t know their rights, they don’t know the laws that were put in place to protect them. The only terrorists who threaten our freedom and National Sovereignty are hiding from within. 9/11 was America’s wake up call. These foreigners are after no less than complete ownership of everyone and everything. Communism. Complete Foreign Government control of every aspect of our lives, TOTALITARIANISM.. They want the people to have no ownership of anything but the debt that they create out of thin air. They want us to rent our homes, our cars, our land, even our furniture. they want us to leave this world with what we came with and use us as slaves until we die. They know the American people would never go along with their evil plans so they have been planning this SNEAK ATTACK FOR YEARS. It is never going to happen because their secret evil plans have been revealed. They can only get away with it if we don’t know about what they are planning. The truth movement has detonated all of their evil plans. Thank God.

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