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  1. hammertime says:

    What a week! TILA win, MA Settlement, Chase deposition

    Here’s a good primer on rescission, CA but good on concepts

  2. hammertime says:

    Must-read @washingtonpost article: “Warren has struck a chord” with voters in this Colorado focus group:

  3. dangeroosdave says:

    Google ‘Kari Giblin.’ She works for BAC now. She has pics posted :) Send her a subpoena!

  4. Al H says:

    Is anyone in South Carolina Dealing with these Fraudulent foreclose activates? There are 6 Law firms that has been cited by our Chief Justice

  5. Lauren Bradley says:

    Does anyone have “Kari Giblin” Assistant Vice President for Countrywide Home Loans, Inc. as the signer on their assignment of mortgage? This was in 2011

  6. hammertime says:

    Mass joinder fiasco

    The reader says, “Spire Law is closed down( Aug 2014) leaving all their clients holding the bag. The Abeel v Bank of America lawsuit was dismissed. As a way to keep their clients at bay, Spire Law came up with a possible new lawsuit involving violation of the National Mortgage settlement. Over 1000 clients paid $5,000 to $10K to be add joinders. The lawsuit was a scam disguised as a mass joinder. The firm used retainer fees to pay overhead operating expenses water, electricity, rent etc, and not for legal fees.

  7. alan hunter says:

    does the name Sabrina Deramus, a chase bank salesperson sound familiar to anyone

  8. C. Osborn says:

    Glarum v LaSalle, No. 4D10-1372, Florida 4th DCA.

    Deutsche v Holden, C.A. No. 26970, Ohio 9th COA.

    McDonald v Onewest, USDC Western WA, Case No. 2:10-cv-01952-RSL.

  9. hammertime says:

    This might be useful:


    (a) In this section, “transferable record” means an electronic record that:

    (1) would be a note under [Article 3 of the Uniform Commercial Code] or a document under [Article 7 of the Uniform Commercial Code] if the electronic record were in writing; and
    (2) the issuer of the electronic record expressly has agreed is a transferable record.”

    …Trying to find the definition of issuer, of course, was not an easy process. Definitions in state law are not clearly identified, if at all.

    “Issuer” means obligor, or the borrower aka “homeowner” as defined by E-Commerce: Financial Products and Services 2001, edited by Brian W. Smith, Appendix E, p. E-55-56. Page E-55:”

    So homeowner must agree!

    Article then has image of description that sec 16 was to not allow that a paper note not be converted than intentionally destroyed!

    Focused on MERS but concepts can help.

    • karen says:

      we prevaled in the trail agianst the boa, in may, now they have filed to have the 3 copies of the orginal note and mortagage retururned to them, I am per se
      any help or laws to refrecene I would reather leave the evidence in the file so no more fraud can be comitted the default date was 7 years ago

  10. hammertime says:

    “Tell Attorney General Eric Holder: No more excuses. Time for criminal charges against JPMorgan Chase

    Rolling Stone magazine has just published a breathtaking account of a whistleblower who personally witnessed fraud at JPMorgan Chase and was willing to testify — even as the Justice Department claimed it lacked the smoking guns to prosecute big banks.1

    For eight years, Alayne Fleischmann has told her story to regulators and government lawyers, only to watch as the Department of Justice settled with JPMorgan Chase out of court, with no admission of guilt, and a much lighter penalty than was initially announced to the public.2″

  11. BOBBI SWANN says:

    Try going under the state of KY list of financial institutions for the name: Equity Financial Mortgage (which is how they were listed on their webiste).

  12. James Smith says:

    Does anyone know how I can verify that New Equity Financial has gone bankrupt or out of business. They were out of Kentucky. I have been unable to find information on them. James

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