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  1. david franklin says:

    Hi I agree about the paying
    But on chase’s case i pay they steal the money and extort me
    For more

    If tarp paid off the loan then i should be paying the us treasury
    Dept and no one can tell me what i owe and chase has admitted that
    In writing

    One vp here got fired for talking to my attorney and cpa
    And forensic fraud examiner

    So far i have paid the same mortgage balance down
    Three times

    David

    Ny ag in nyc Is suing chase and bear stearns trusts again

    For investor fraud after settling the cohen milstein case

    Today chase has called me 12 times since 7 30 am

    They wont let the local distict vp talk to me
    Or my attorney or cpa forensic fraud examiner

    And they reverse my mortgage payments and steal the money

    And admitted it in writing

    Feels like extortion

    And i never approved or applied for a 12.37 percent loan

    With a 312,000 balloon payment. In 2037

    And most of the time i dont mortgage statements

    On arm loan

    David

  2. usedkarguy says:

    were you a prime borrower who got WaMu’d? and ended up in Chase servicing? with no loan documents and no loan schedules? Bear was counterparty to the swaps on my trust.
    Check in Maiden Lane 1. Lots of acronyms (WFHET 05-2 = Wells Fargo Home Equity Trust Series 2005-2, SASCO Structured Assets Securities Corp, CWALT Countrywide Alternative Loan Trust, etc.) you get the idea. Maybe you get lucky and find some of your trust assets in the ML1, and that’s serviced by GMAC/ResCap, tied up in the SDNY. Now what, judge? The servicing rights, not the note, not the mortgage, but the “rights to collect” the loan are all that’s left?
    CDS gain no title to the res through subrogation.

  3. David Franklin says:

    I don’t understand follow the money follow the docs

    David

    • drchris11 says:

      Read the definition of a debt collector and of a creditor in the Fed. Debt Collect Practices Act 15USC1692A. If it is not your actual lender to whom you signed the promissory note bringing the foreclosure, and if there was a default letter prior to any kind of alleged assignment then they do not fit the definition of “creditor” and they cannot, by law, bring this foreclosure. They have most likely violated multiple counts of the FDCPA and check your state debt collection laws. Read that set of laws line by line. It’s well worth it.
      Look at all of their papers and those of the attorneys. If it says “we are a debt collector attempting to collect a debt” or “this is an attempt to collect a debt” they are admitting it.
      These laws are very important. Blessings to you

    • thanks usedcarguy. if the mortgage original is paid off which it is according to the credit bureau and chase created a new mortgage with higher interest rates and loan terms ie a balloon payment in 2037 with no loan docs no nothing and nothing is registered at the court house and did they get a new MERS number as well. I have been fighting with them for seven years now and it is a pure stonewall . thanks for the info . I looked up eurobobo and deal vector. very useful information. out here in Washington that kind of info would cause a state court judge to have a meltdown. this is an outpost out here and chase has everyone allegedly on their tab. if I mention chase to an attorney out here they run for the hills.

      do you have any suggestions on how I get confirmation from treasury or a TARP report that all the bear stearns trusts have been paid off by TARP.

      or some other confirmation. I know about the Bloomberg cancelling the terminals. I should have gotten my free subscription for one month when I had the chance but now that info would be worthless.

      I just submitted to chase a section 1594 RESPA Qualified Written request for the name of the new trustee if there is on e and the name of the mortgage trust that this new loan is in or knowing chase they would say it is a mod of the old loan.

      this wound up in a class action case in boston ma here is the link
      http://www.chasemdlsettlement.com

      where the homeowners got nothing. now thanks to you I understand why chase lied to the judge about the number of modifications in the class. to cover up perhaps the TARP deal.

      chase has allegedly been trying to extort me for more and more money for the last seven years and am not behind not late not in mod and not in bankruptcy and even four payments ahead.

      I have been telling my pro bono attorney whose firm works for banks doing bankruptcy that there is no loan.

      thanks for the info used car guy.

      I did find out who owned in the past my mortgage certificates In the 2007 bear stearns trusts 2007 ar 4 by scanning the federal court in new York for cases brought against bear stearns and chase. I found one where the investors were represented by cohen and Milstein and one other class action firm in new York and on the pleadings where the investors sued chase and the trusts all of their names wer e o nthe styling section of the brief

      in my case they were blacksmith and boilermaker’s union pension fund out of Kansas city Kansas or kc Missouri and I looked them up and do they ever have a history of hassles with the us dept of labor. theother two were railroad pension fund and healthcare company pension fund all of which were afl cio labor organizations.

      best regards
      David
      I hope that helps someone.

      chase has tried to manufacture a default three times and so far has extorted me allegedly over $ 50,000 and stolen another 100,000 in payments . they harass me daily now by mail and by phone . even had one of their affiliates call me on the phone and threaten me with prison.

      so my view says I am getting closer and closer to the truth

      one of their local v.p.s that I spoke to and who reached out to my pro bono attorney and cpa and forensic fraud examiner was fired because she talked to them without upper level clearance T O DO SO.

      SHE WAS A NICE LADY WHO WA S TRYING TO HELP ME.

      WHAT I DID DISCOVER WAS THAT CHASE IS SELLING LOANS TO PEOPLE TELLING THEM THEY ROUND UP THEIR INTEREST RATES ON ARM LOANS. WHEN IN FACT THEY ARE ADDING 5/8THS OF ONE PERCENT OF INTEREST EVERY SIX MONTHS TO THE RATE FOR PAYMENT CALCULATIONS PURPOSES.

      ON AN AGGREGAGE BASIS FOR EVERY ONE TRILLION DOLLARS OF LOAN BALANCES CHASE IS SURCHARGING EVERY HOMEOWNER IN AMERICA OVER $ 6.25 BILLION DOLLARS IN INTEREST EVERY SIX MONTHS THAN THEY SHOULD BE CHARGING

      AND THIS INTEREST HAS NEVER BEEN REVEALED TO AN YOF THE HOMEOWNERS AS REQUIRED BY THE TILA law.

      regards
      David

      • Lms53 says:

        David, the chasemdlsettlement is about contract breach mainly and it has not been finaled yet so if you think you are getting nothing monetary you are right, but you are supposed to be able to cure any delinquency which would not apply since u r 4 payments ahead and we are supposed to be offered new hamp modifications. It just depends what you are looking to accomplish with your home situation. From what I read about your situation, it sounds like thru all the transfers ur note was satisfied at some point, but you would know if it has been satisfied. We all have to pay.

    • Tom Heinrich says:

      When you borrow money, you agree to pay it back – that never changes.

      However, while people who lend you the money can put the Beneficial Rights, Title, and Interest in your Note and Mortgage, and have different entities SERVICE (collect the payments), into other entities hands…NOW it gets interesting. IF IT WERE JUST YOU AND THE ORIGINAL LENDER, you’d have someone to sit down with and work things out or at least deal with and come to an agreement as to whether they get the title or you get new terms.

      No need to ever make payments to anyone else other than your original lender, in an IDEAL WORLD.

      BUT, when that lender DOES things, they – and others – can put you in an unfair and weak position…and that’s what’s happened to most of us, and what’s caused the financial mess the world is in ( and the world IS in one, – a VERY serious one – make no doubt of that ! )

      SO, you need to POSSESS ALL THE DOCUMENTS OF WHAT THEY DID !!! You have a right to know that your PAYMENTS GET TO – AND ARE RECEIVED BY – THE RIGHT PARTY(ies) along WITH THEIR RIGHTS TO…AND… your money !!!

      When you DOCUMENT all of that, you are “following the docs and the money”, …..and be sure to include the “fair and reasonable” compensation paid TO your original lender and all other parties who may claim interests and make demands upon you. One dollar is NOT “fair and reasonable”…..[.if it were you'd only have to pay the investor ONE DOLLAR to make them "whole" !, right ??? ]

      My experience is that people who represent themselves DO NOT DO THAT.

      “I want every document and every dollar accounted for “.

      Judges – when presented with that, HAVE LITTLE LEEWAY…THEY CAN’T BY LAW ORDER YOU TO PAY SOMEONE WHO HAS NO LEGAL RIGHT TO YOUR MONEY, NOR CAN THEY ORDER YOU TO PAY A PENNY MORE THAN YOU are legally liable to pay.

      UNLESS A BORROWER shows the court they are precluded from giving a party your money, they WILL order you to pay them on the grounds YOU failed to physically show the judge why they don’t have a legal right to it. IT SHOULD BE that THEY have to prove they are entitled to it, but no more in the United States is that the current case. Our judicial SYSTEM HAS BEEN DESTROYED OVER THIS SCANDEL. Judges are still requiring such proof in a small number of cases, but they are getting overruled in the Appellate Courts. Until we have our LEGISLATORS pass laws to “right” our judicial system, it will remain upside down. The Banksters are betting U.S. citizens don’t have the Will to do that.

      We’re in an Economic War, and we’re losing.

      What are YOU going to do about it.

  4. Me says:

    Hello. I’m in the DIscovery phase of my SECOND case against the bank (pro se) after having their first Complaint dismissed. The judge said there are still issues, and we are going to trial.

    I tried leaving a message on http://www.casediscussions.org/ but it looks as if the links are not live. Is there another site or other way to leave my info. I could use some comments. I believe I have a winning case, but need to bounce things off other foreclosure defenders.

    Thank you very much.

    • Tom Heinrich says:

      You have to be VERY aggressive in doing your discovery to get to – and document – the truth, then its just a matter of matching the documented truth with the law and case precedent (unless you want to try to set NEW precedent !) You need a SKILLED TRIAL ATTORNEY to present your case correctly.

      The links on casediscussions are still being worked on to get it to be the most useful.

      In the meantime… WHY do you think YOU should win, and WHAT are the issues the judge said need to be tried.

      ps – if you convince the OTHER SIDE you have a winning case, they’ll want to settle

  5. can used usedkarguy or anyone tell me how to get access to Bloomberg data for my mortgage. I don’t have the money as a disabled veteran to pay for access to securitization data for my bear stearns mortgage. however I do know who owns my mortgage in the bear stearns trust and wells fargo used to be the trustee but the petitioned the SEC to get out of the trustee business for bear stearns trusts.

    • ldynps says:

      The Bloomberg system is the best securitization data available, however, it’s $1,500 or more and really does nothing!! The banks are just stealing the houses and the courts are allowing it to happen. You can walk into Court with ALL the evidence to prove fraud and it just doesn’t matter…the Courts are in bed with the banks and I am telling you this because I wasted entirely too much money to prove my case and it just DIDN’T MATTER!!!

      • Tom Heinrich says:

        Every case turns on just one or two points – you took out a loan, you didn’t repay it…that’s what the courts HAVE to look at, – ….now if you can prove “I DON’T HAVE TO REPAY IT, or REPAY IT TO THEM“, then the court has to go with you, or be overturned.. Remember a judgment CAN BE OVERTURNED under certain conditions – a judge being paid under the table will get both YOUR JUDGMENT and the JUDGE tossed out, but YOU MUST DEMAND AND INSIST ON IT…the media LOVES Judges on the take news stories !!! How are you going to prove it – most payoffs are in cash or something paid on behalf of the party or their family or friends and associates…do you have good P.I.’s ???

    • Tom Heinrich says:

      All the securitization documents can be obtained through the SEC and other public filings and by Subpeona Duces Tecum. What is even MORE effective however is to TRACK THE MONEY…follow the documents, follow the money – nothing passes until its done correctly.

    • usedkarguy says:

      David, Bloomberg shut down all their terminals that were leased to anyone NOT a trader or investor. That was my understanding. I had a guy do mine a couple years ago. I have also obtained information through a firm that tracks ownership of MBS, called DealVector. These guys are trying to shine light on the market for investors, and are open to sharing their information upon registration. You have to tell them HONESTLY why you’re there, who you are, and provide valid information. This site allows you to find the MBS and for a modest fee I am sure they will certificateholder information. I am in the process of trying to get in touch with investors now.
      All of this is fraud, and when you start chasing your loan down some rabbit hole trust, then find out the trust certs are paid off, they were extinguished in 08 through TARP, and only a couple of the EQUITY tranches (owned by the sponsors) are still paying, That’s where your loan ended up if it’s current or modified. They resecuritize the modified balances.
      Find Bob Garassi’s brief on Erobobo, and then…….go figure…….

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