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	Comments on: From Across the Pond &#124; U.S. Mortgage Crisis: Where Does The Homeowner Stand?	</title>
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	<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/</link>
	<description>- Fighting Foreclosure Fraud BY SHARING THE KNOWLEDGE</description>
	<lastBuildDate>Thu, 10 Feb 2011 15:55:20 +0000</lastBuildDate>
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		<title>
		By: l vent		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19947</link>

		<dc:creator><![CDATA[l vent]]></dc:creator>
		<pubDate>Thu, 10 Feb 2011 15:55:20 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19947</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19845&quot;&gt;losing my home in florida&lt;/a&gt;.

You can copies of any of your doc&#039;s at your county recorder&#039;s office for a small fee. You can also get those notarized there. In my county we can print them off of the internet, but you can&#039;t notarize them that way.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19845">losing my home in florida</a>.</p>
<p>You can copies of any of your doc&#8217;s at your county recorder&#8217;s office for a small fee. You can also get those notarized there. In my county we can print them off of the internet, but you can&#8217;t notarize them that way.</p>
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		<title>
		By: l vent		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19946</link>

		<dc:creator><![CDATA[l vent]]></dc:creator>
		<pubDate>Thu, 10 Feb 2011 15:52:15 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19946</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19845&quot;&gt;losing my home in florida&lt;/a&gt;.

Sounds like your county recording is a bit different than mine. We go by grantor/grantee index. Not sure what Consideration means. Do you have your land title records? In my county and state you  search for your recordings by PIN#. The PIN# is your Property Index Number, or your property tax ID#. It is on your property tax bill. Sometimes they issued a new pin# under our noses to cover-up the fact that our homes are paid for. The original pin# is on your deed for sure. You have to get to the origination of your loan in order to find out the truth (release of mortgage, pay-off of all liens). Sometimes they cleverly hid the origination via a new pin#. (sneaky, sneaky)   Good Luck.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19845">losing my home in florida</a>.</p>
<p>Sounds like your county recording is a bit different than mine. We go by grantor/grantee index. Not sure what Consideration means. Do you have your land title records? In my county and state you  search for your recordings by PIN#. The PIN# is your Property Index Number, or your property tax ID#. It is on your property tax bill. Sometimes they issued a new pin# under our noses to cover-up the fact that our homes are paid for. The original pin# is on your deed for sure. You have to get to the origination of your loan in order to find out the truth (release of mortgage, pay-off of all liens). Sometimes they cleverly hid the origination via a new pin#. (sneaky, sneaky)   Good Luck.</p>
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		<title>
		By: losing my home in florida		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19845</link>

		<dc:creator><![CDATA[losing my home in florida]]></dc:creator>
		<pubDate>Wed, 09 Feb 2011 11:40:42 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19845</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19834&quot;&gt;l vent&lt;/a&gt;.

ACTUALLY THE &quot;CONSIDERATION&quot; SAYS ZERO.  HOW  DO YOU GET DOC. COPIED?  THEY ARE ON 
LPS.   WHAT DO I -- USE THE PIN # FOR/\?]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19834">l vent</a>.</p>
<p>ACTUALLY THE &#8220;CONSIDERATION&#8221; SAYS ZERO.  HOW  DO YOU GET DOC. COPIED?  THEY ARE ON<br />
LPS.   WHAT DO I &#8212; USE THE PIN # FOR/\?</p>
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		<title>
		By: l vent		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19836</link>

		<dc:creator><![CDATA[l vent]]></dc:creator>
		<pubDate>Wed, 09 Feb 2011 06:03:58 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19836</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19834&quot;&gt;l vent&lt;/a&gt;.

Look for a release of mortgage, it should be recorded not long after Orig. See what the prior doc# matches. It should match the orig. mortgage. Any lien below that release is cured by that release such as a mechanic&#039;s lien,etc. There should be a  for and in consideration for the indebtedness secured by the mortgage, letter because the second bank sold you your unsecured mortgage for a nominal fee as well as cured all liens with this payment and now therefore it is YOUR  collateral, Thank God.  KNOW ALL MEN BY THESE PRESENTS,....]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19834">l vent</a>.</p>
<p>Look for a release of mortgage, it should be recorded not long after Orig. See what the prior doc# matches. It should match the orig. mortgage. Any lien below that release is cured by that release such as a mechanic&#8217;s lien,etc. There should be a  for and in consideration for the indebtedness secured by the mortgage, letter because the second bank sold you your unsecured mortgage for a nominal fee as well as cured all liens with this payment and now therefore it is YOUR  collateral, Thank God.  KNOW ALL MEN BY THESE PRESENTS,&#8230;.</p>
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		<title>
		By: l vent		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19834</link>

		<dc:creator><![CDATA[l vent]]></dc:creator>
		<pubDate>Wed, 09 Feb 2011 05:51:14 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19834</guid>

					<description><![CDATA[@losing my home in florida: Look at the assignment and look for a prior doc#,  Does it match any other doc#? In mine it is attached or secured to nada, no prior doc# means bogus assignment, unsecured mortgage. The mortgage never existed. My recorder&#039;s office confirmed this to be true. That is the securitization, the prior doc#.  Did you find your pay-off letter yet from the second banker? Make sure you have your original pin#,(sneaky,sneaky) it tis on your deed. Good Luck.]]></description>
			<content:encoded><![CDATA[<p>@losing my home in florida: Look at the assignment and look for a prior doc#,  Does it match any other doc#? In mine it is attached or secured to nada, no prior doc# means bogus assignment, unsecured mortgage. The mortgage never existed. My recorder&#8217;s office confirmed this to be true. That is the securitization, the prior doc#.  Did you find your pay-off letter yet from the second banker? Make sure you have your original pin#,(sneaky,sneaky) it tis on your deed. Good Luck.</p>
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		<title>
		By: losing my home in florida		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19824</link>

		<dc:creator><![CDATA[losing my home in florida]]></dc:creator>
		<pubDate>Wed, 09 Feb 2011 03:58:33 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19824</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19767&quot;&gt;l vent&lt;/a&gt;.

looking at records now.  under consideration 0 is listed. and no other assignments after wells fargo.  confused what his all means.  how do we not get hijacked.  this info has to go viral.  everyone needs to know.  foreclossures need to stop]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19767">l vent</a>.</p>
<p>looking at records now.  under consideration 0 is listed. and no other assignments after wells fargo.  confused what his all means.  how do we not get hijacked.  this info has to go viral.  everyone needs to know.  foreclossures need to stop</p>
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		<title>
		By: ian		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19796</link>

		<dc:creator><![CDATA[ian]]></dc:creator>
		<pubDate>Tue, 08 Feb 2011 20:08:08 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19796</guid>

					<description><![CDATA[Most NOD are sent by the servicer, acting on behalf of blahblahbank as trustee for xyz2001-1 mortgage backed securities.  You have been paying the servicer, who is supposed to pay the investors in the trust. However, you have no idea,except for a 1pg printout from the servicer, as to where your payments went, if they went anywhere at all.   That is why you need to demand the servicer&#039;s remittance ledger, to see where your payments went. Otherwise it is all unsubstantiated hearsay, inadmissable in court. Because the servicer is not your creditor. And under the 2009 Federal Reserve Board interim opinion(now law) the creditor is the person who can account for the loan on their balance sheet.  But wait, a trust doesn&#039;t have a balance sheet. It is a &quot;pass through&quot;. So- who is your creditor? Find that out and you will understand the extent of this fraud.]]></description>
			<content:encoded><![CDATA[<p>Most NOD are sent by the servicer, acting on behalf of blahblahbank as trustee for xyz2001-1 mortgage backed securities.  You have been paying the servicer, who is supposed to pay the investors in the trust. However, you have no idea,except for a 1pg printout from the servicer, as to where your payments went, if they went anywhere at all.   That is why you need to demand the servicer&#8217;s remittance ledger, to see where your payments went. Otherwise it is all unsubstantiated hearsay, inadmissable in court. Because the servicer is not your creditor. And under the 2009 Federal Reserve Board interim opinion(now law) the creditor is the person who can account for the loan on their balance sheet.  But wait, a trust doesn&#8217;t have a balance sheet. It is a &#8220;pass through&#8221;. So- who is your creditor? Find that out and you will understand the extent of this fraud.</p>
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		<title>
		By: l vent		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19788</link>

		<dc:creator><![CDATA[l vent]]></dc:creator>
		<pubDate>Tue, 08 Feb 2011 16:35:52 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19788</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19767&quot;&gt;l vent&lt;/a&gt;.

@losing my home in florida: They are all very deceptive in what they do. They have screwed millions of people and they still are. They are doing anything they can to cover-up for their ORIGINATION fraud. It is pretty much the same types of stories across the country. Denied Hamp, offered a fraudulently induced loan mod for a non-existant loan, or Forebearance payments ,Deed-in-lieu, cash for keys, short sale, All equally criminal acts of fraud, just sneakier and more devicive. They are giving people a few choices to help to aid and abed them and cover-up their past and ongoing criminal activity.  Homeowner&#039;s  can re-establish a false mortgage debt SLAVERY BURDEN for say-ever or CREATE A NEW CLEAR CHAIN OF TITLE SO THEY CAN STEAL YOUR HOME EASIER. I kind of liked the post on this website  week or so ago entitled: Homeowner&#039;s Motto for 2011:  MODIFY, BUT ALSO NULLIFY! Check it out: http://bryllaw.blogspot.com/2011/01/homeowners-motto-for-2011-modify-but.html]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19767">l vent</a>.</p>
<p>@losing my home in florida: They are all very deceptive in what they do. They have screwed millions of people and they still are. They are doing anything they can to cover-up for their ORIGINATION fraud. It is pretty much the same types of stories across the country. Denied Hamp, offered a fraudulently induced loan mod for a non-existant loan, or Forebearance payments ,Deed-in-lieu, cash for keys, short sale, All equally criminal acts of fraud, just sneakier and more devicive. They are giving people a few choices to help to aid and abed them and cover-up their past and ongoing criminal activity.  Homeowner&#8217;s  can re-establish a false mortgage debt SLAVERY BURDEN for say-ever or CREATE A NEW CLEAR CHAIN OF TITLE SO THEY CAN STEAL YOUR HOME EASIER. I kind of liked the post on this website  week or so ago entitled: Homeowner&#8217;s Motto for 2011:  MODIFY, BUT ALSO NULLIFY! Check it out: <a href="http://bryllaw.blogspot.com/2011/01/homeowners-motto-for-2011-modify-but.html" rel="nofollow ugc">http://bryllaw.blogspot.com/2011/01/homeowners-motto-for-2011-modify-but.html</a></p>
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		By: losing my home in florida		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19774</link>

		<dc:creator><![CDATA[losing my home in florida]]></dc:creator>
		<pubDate>Tue, 08 Feb 2011 11:18:36 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19774</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19767&quot;&gt;l vent&lt;/a&gt;.

hi i vent.  they called it an in house mod.  because i did not qualify for hamp.  it was a take it or leave it loan.  either sign the paperwork or go into fooreclosure (she even mentioned short sale what a crock of sh-t , yeah i put my 20% down , lost all my equity and i&#039;m going to give my house away?   whatare they thinking)  they added a cool 10k to the back of my loan,  i heard that 10k was the norm across the board that has to be investigated as fraud because they had 10 months.  i continue to pay until  all my money was gone.  i would call up to ask what the hold up was ,  they kept losing my paper work. everytime i called it was missing.  it was awful.  
    i have the original ink deed,  it is also recorded with the county.  the only assignment with the county is wells fargo from my closing.  all my paper work from closing is all blank., exept the deed. i will definite learn alot from this,  if anyone ever closes on a house always demand the same paperwork as the bank.  everything signed in duplicate.  notice they did it for the deed and nothing else.  i woned a house in S. florida  MERS was paid off,  also all paper work blank.  i will find my original house from 1991  great western bank loan.  i guess they never planned,  or should say they expected all this to happen that is why it is all blank so they can forge  the info.  geez talked about being mad.  have a good day have to go to work.  so could pay a reasonable mortgage for my family.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19767">l vent</a>.</p>
<p>hi i vent.  they called it an in house mod.  because i did not qualify for hamp.  it was a take it or leave it loan.  either sign the paperwork or go into fooreclosure (she even mentioned short sale what a crock of sh-t , yeah i put my 20% down , lost all my equity and i&#8217;m going to give my house away?   whatare they thinking)  they added a cool 10k to the back of my loan,  i heard that 10k was the norm across the board that has to be investigated as fraud because they had 10 months.  i continue to pay until  all my money was gone.  i would call up to ask what the hold up was ,  they kept losing my paper work. everytime i called it was missing.  it was awful.<br />
    i have the original ink deed,  it is also recorded with the county.  the only assignment with the county is wells fargo from my closing.  all my paper work from closing is all blank., exept the deed. i will definite learn alot from this,  if anyone ever closes on a house always demand the same paperwork as the bank.  everything signed in duplicate.  notice they did it for the deed and nothing else.  i woned a house in S. florida  MERS was paid off,  also all paper work blank.  i will find my original house from 1991  great western bank loan.  i guess they never planned,  or should say they expected all this to happen that is why it is all blank so they can forge  the info.  geez talked about being mad.  have a good day have to go to work.  so could pay a reasonable mortgage for my family.</p>
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		By: l vent		</title>
		<link>https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19767</link>

		<dc:creator><![CDATA[l vent]]></dc:creator>
		<pubDate>Tue, 08 Feb 2011 06:45:51 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=18141#comment-19767</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19747&quot;&gt;losing my home in florida&lt;/a&gt;.

You got a loan mod?  Have you gone to your County Recorder&#039;s Office  on line or in person to see what is recorded? I have seen some of the stunts Wells Fargo has pulled. They evicted my brother-in-law from his townhouse in the name of the Homeower&#039;s ass.  He was not even late on his mortgage just his HOA fees. They never even filed a foreclosure but have his townhouse up for sale on the MLS. I would go back and look at the Origination of your loan and see what that looks like and when and how Wells Fargo came to own the loan. Servicers are no more than a debt collector and I do not know how they could have given you a loan mod except a fraudulent one. You should  have your Original stamped and recorded Warranty Deed. Everything goes back to that original blue ink note. Where is it?   WF had to  pay off the original note if they now own it. Yet you  probably never signed a contract with WF. Look for a release of mortgage in your rec. not long after Orig. Ask your recorder for a copy of the pay-off letter it will be from a second bank, not your original lender. No doubt any and all liens recorded were paid off by the second bank, get those released liens from your recorder, too. Now you have the proof you do not owe them any money. What do they have to prove otherwise?  KNOW ALL MEN BY THESE PRESENTS......]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/02/07/from-across-the-pond-u-s-mortgage-crisis-where-does-the-homeowner-stand/#comment-19747">losing my home in florida</a>.</p>
<p>You got a loan mod?  Have you gone to your County Recorder&#8217;s Office  on line or in person to see what is recorded? I have seen some of the stunts Wells Fargo has pulled. They evicted my brother-in-law from his townhouse in the name of the Homeower&#8217;s ass.  He was not even late on his mortgage just his HOA fees. They never even filed a foreclosure but have his townhouse up for sale on the MLS. I would go back and look at the Origination of your loan and see what that looks like and when and how Wells Fargo came to own the loan. Servicers are no more than a debt collector and I do not know how they could have given you a loan mod except a fraudulent one. You should  have your Original stamped and recorded Warranty Deed. Everything goes back to that original blue ink note. Where is it?   WF had to  pay off the original note if they now own it. Yet you  probably never signed a contract with WF. Look for a release of mortgage in your rec. not long after Orig. Ask your recorder for a copy of the pay-off letter it will be from a second bank, not your original lender. No doubt any and all liens recorded were paid off by the second bank, get those released liens from your recorder, too. Now you have the proof you do not owe them any money. What do they have to prove otherwise?  KNOW ALL MEN BY THESE PRESENTS&#8230;&#8230;</p>
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