hello ron

go to website http://www.hud.gov and get mortgage discrimination . as in predatoryh lending and or reverse redlining. you are going to have to get educated. and do the research. I am not a lawyer and thi sis not legal advice. always consult a licensed competent counself for sound legal advice.

this mortgage discrimination stuff is complicated and lots of traps along the way to defeat you.

remember though better to download the official form and fill it out and send it in or take it in and get a receipt for your submittal as in a stamped copy of what you submitted. there are several court cases that define what mortgage discimination is and what criteria constitute discrimination .

just keep researching and of course write your congressman and senators in washington and ask their help i ngetting HUD sec retary donovan to PERFECT your claim. now there is the wrinkle. that gate opening is very narrow .

the thing I like about this law is that it has an admin feature. you can raise hell with your lender but you dont have to g oto court. but you should know who your trust is and who owns the trust etc. so that is important info you get by filing a QWR with your servicer.

it is complicated but that is the way it is for now.
good luck to you
David B

hello Mary

they ignored me for 8 months. but I have their attention now. two investigators are coming next month. I raised hell but what did it is that we have a new congress person now and she is republican. three days after she got into office, her staff called me at home and went to bat for me. wow that woke up the other side quick

I only filed the complaint 7 times. but I got receipts to and I sent it to secretary donovan as well in washington, d.c. so now he is on the hook . suggest you do that as well sent it to d.c. and get your local mortgage counseling agency involved as well. get receipts for everything.

you have to meet certain criteria to get the complaint perfected so you need to read up on what those criteria are. if is available on the internet on topic discrminatory mortgage lending or predatory lending policy by HUD>

this agency does NOT want us to file these complaints .. that is very obvious.

but keep trying. never give up.

write your senators and congressman and complain that hud is igoring your complaint and send them a copy of your complaint that is stamped as received by HUD> . remember the trash can is heavily used in hud with these complaints just like the VA and social security do as well.

it is adversarial.

best of luck to you mary
David B.

I wish Senator Sheldon had put Geither on the spot and asked him to explain ‘We dont’ have the authority to compel’ that Congress did not give him that authority.

Under Article I Congress created laws to be enforced that are to protect the welfare of the nation, the economy recognized to be the third element of our national security.

Under Article II, President Obams his boss has the Authority of Execitive Orders to have the United States of America v. Defendants (BUYERS & SELLERS) ‘Master Servicers’ private members of the financial exchange who ordered creation of the ‘Loan Trust’ in the US there will be a business entity created, and in the UK there will only be reference over SEC to a 10K name of ‘Loan Trust’ or ‘Pass-Thru-Certificate-Series’ and no record of a business entity. In any case, the ‘Loan Trust’ is a business entity treated stand-alone and OFFICERS of a United States National Bank and or a Federal Savings Bank, order the transactions and order donot record the lawful securitized land and property records, and order break the chain of title, because we created the ‘loan trust’ to hold unsecuriizted documents – promissory notes that anyone can convert to cash anytime.

David, I will record my complaint with HUD again but they ignored me. But I will do as you suggest.

Can you please ask everyone to use the First Amendment to request their Congressman/woman and two senators and any Assembly members of the State their personal request

Dear Authority,

I humbly submit my Petition to Redress Grievances seeking injunctive relief of my Authority members of the House and Senate to enforce laws the bank’s as MASTER SERVICER’s broke instructing employees of the national banks of the United States of America and the federal savings banks of America, and state and federal credit unions to not follow the laws. The Master Servicers did sell the promissory notes in secret with intent of take consumer property by deception. The Master Servicers did with intent instruct employees of banks as CUSTODIANS to sell properties in violation of the Bank Secrecy Act selling to consumers certificates which allowed the MASTER SERVICER to swap properties and swap cash whenever they want using the unauthorized promissory notes taking possession in a larcenous manner. The MASTER SERIVCER did clearly break laws that Congress created that must be enforced as the MASTER SERVICERS have harmed the economy, third element of our national security. The MASTER SERVICERS are trying to get the enforcers of the law to destory the evidence of the unsecuritized promossiry notes – evidence of the crimes destoryed and new laws that will destroy the Federal Republic. We prayerfully seek injunctive relief and remedies as allowed under federal laws and state laws. We seek President Barack Obama to bring forth first impression case before Supreme Court and protect the economy and UNITED STATES of America v. ‘Banks as Master Servicers’.

Thank you,
Your Humble Constitutient,

David Black,

What is the claim of discrimination you would file with a HUD complaint?

Thank you David for your thoughful reply.

The contents of the ‘LOAN TRUST”’ if you will, in the current version, can be sold, swapped, converted at any time and purchased by another ‘LOAN TRUST’ Master Servicer.

One of the more profitable transactions of the trust are absorbing REO properties.

The rules of the ‘LOAN TRUST’ game are based upon one MASTER SERVICER controlling the ‘TREASURY’ you know like in Monopoly the ‘banker’ gives out money in exchange for buying properties which are not secured.

Another rule of the ‘LOAN TRUST’ game are the ‘certificates’ are alike ‘bearer bonds’ can be cashed anytime for they are unsecuritized and the bearer of the documents from the loan trust the MASTER SERVICERS of the private member financial exchange swap all the time.

MASTER SERVICERS have been passing along ‘promissory notes’ held in the ‘TREASURE CHEST’ to other public MEMBERS of the financial exchange.

The ‘MASTER SERVICERS’, you know him or her.

Remember when you were a kid, that there was always one or two kids who made up their own rules and were either so charming or controling that you had to follow or you could not play.

‘MASTER SERVICERS’ are self-elected and put into the rules, their own rules which believe it or not are in writing in the Agreements which anyone can read who exist in the public domain with google.com know how to seach and find the Agreements.

Have you bought the game ‘LOAN TRUST’ and read the directions? You and I have read the Agreements which alike a ‘Joker’ cards in many playing decks can be assigned a privlege ‘Joker good as cash to any bearer’ and the card holder allowed to change the direction of the game any time.

Majority of players don’t read the public agreements or ‘game instructions allowing the MASTER SERVICER to cheat.

Afterall, even the enforcers OCC, OTS, FRB, FDIC of the rules of the game don’t want to read the agreements and/or don’t understand the rules that the “LOAN TRUST” game comes with. You see the Agreements are not in their ‘job description.’

The MASTER SERVICER of the rules knows what they can’t see can hurt the players but the rules of the game of the MASTER SERVICERS are he who dies with the most toys wins since 1995 forward. Warrent Buffett, Bill Gates, Ichan protect the rules and pay for the members to belong to the private financial exchange. To make the LOAN TRUST game appear legitimate, Agreements are created and placed right where everyone can access and read them whether they play or not.

For example, the ENFORCERS are some of the smartest players in the world and and are free to ‘cheat’ attend private functions and social exchange good golf games together and share how each make rules so the MASTER SERVICER they are rooting of course for their own home team wins. Some ENFORCERS help make the rules of the game appear complicated and know that the old ‘sheep pack’ wants to feel safe will follow along. The sheep pack are smart enough to know that they can benefit from participating in the game. Afterall it’s a game isn’t it?

Best Regards,
Mary Cochrane

all of this is true what you said mary at saveamerica.com. however, your words DO NOT consitute a claim against any lender or servicer or trust holding the no blue ink docs mortgages like bear stearns trusts that are being sued in the federal district court in new york by the investors. Guess what
it seems those trusts are NOT being reported to the SEC anymore. stopped in 2007 when the FED merged them into jp morgan chase. but they do NOT appear on chases financial statement.

so where did 1 million loans go. where are they ? now that is the question . wonder if the attorneys for the investors which is cohen and milstein in new york or the attorneys for the defendanst bear stearns trust know. these are first trust loans and was TARP MONEY — USED to pay to chase to absorb them or is the fed not disclosing them o ntheir balance sheets. check out the lawsuit on the federal court of southern new york state in new york city website. the suit is there. or on http://www.cohenmilstein.com

anyway. as I have said. there is relief out there if we use the enemy’s energy againts them.

the art of war says use your enemy’s energy against them

our mortgage payments are paying for this situation with the banks. again a classic art of war strategy or tactic by the banks to use our money to pay their legal bills to rip us off and make more money on the foreclosures like $ 1 trillion of pure profit and guarantedd paymen since the govt owns the trusts.

do you get the picture now.

now what if

we all f iled claims through save american . com that were filed o n our behalf before secretary donovan of HUD under the mortgage discrimination provisions of the Fair Housing Act of 1964. thi sis not voluntary like HAMP . this is statutory law and it has admin provisions that you can file a claim that has to be perfected by HUD ( now there is a big wrinkle ) and it costs the homeowner nothing to get a chance at full restitution in other words your HO– USE AND PAYMENTS RETURNED TO YOU” at federal govenment and the banks expense.

and you get a free attorney if and when your claim is perfected. and you can depose the bank and yo ucan unlike attorneys name individuals that did you dirty in subpoenas. all for free and served by the u.s.marshal.

now

That is some law.

now what if

20,000,000 yes 20 million claims were filed with copies to congress to ask their help in getting them perfected.

think of the possibilites.

we need to act to produce real claims against the banks that eventually they have no money to defend against because they are overwhelmed and how about a national boycott against big banks

the ones are doing us all in like the 4,000 active duty military families that were foreclosed on by chase in violation of the servicemembers civil relief act that is supposed to prevent them .

yet the chairman of the house veterans committee praised chase for its foreclosures on those active duty military families. NOW aint that just special ”

lets get it and get on with it.

file claims that are free and must be processed by federal law and the constitution.

we file 20,000,000 claims with HUD that is going to be a mighty big statement to the higher ups.

and you can do it online but I recommend in writing using the hud downloadable form from http://www.hud.gov

no matter what your case is about DO IT FILE IT AND GET RECEIPTED BY HUD COPIES

then raise hell with congress and ask their help to get your claim won.

this law is even more powerful that what I can write here.

check it out and DO IT PEOPLE>

blogging is NOT going to get our homes and payments back paid to a bunch of crooks who sold us bad loans and they do NOT EVEN HAVE The “BLUE INK ” notes

best regards
DAvid B.

The United States of America, as you know balanced form of goverment depends upon Congress creating laws under Article I, Executive Branch Enforcing Laws under Article II and the Judiciary reviewing Complaints and providing remedies as allowed by state and federal law.

There was INTENT to take property by deception, CUSTODIAN allowed third party to take possession of consumer property in larcenous manner, false claims, false statements, misrepresentations, and they spit upon the Court and our Constitution.

Geither may be without Power but the President of the United States, our President Barack Obama has the duty to protect the welfare of the nation by enforcing laws which were not enforced. If I was President Barack Obama i’d be investigating using my power of Executivie Powers to bring forth a case of the United States v. Defendants (MEMBERS of the private financial exchange who worked together as BUYER and SELLER) who ignored the laws and instructed others to ignore the laws, Wells Fargo & JPMorgan at the top of the list do not record their own retial tranactions and only use MERS to record electronic promissory notes when they intend to sell the originations and/or rights to something …

David Black,

Sounds like I am on the same path as you with Chase and Deutsche. I think I know the lawsuit you referred to in KY. Can you give me a little insight into your deal?

Chase was my originator and servicer then sold it into an MBS with Deutsche as the Trustee, unbeknownst to me. I asked for and got a trial mod, then while in the mod, Deutsche started a foreclosure. I have never heard of them, much less knowing they owned my mortgage.

We responded to the foreclosure and have heard nothing for months. I am in KS and it is a judicial state, plus a homestead state for bankruptcy. When we ask for discovery, we will file counter claims for fraud, breach and contract, like RICO etc. Plus, Deutsche is not even on the assignments here in KS. They did not register the note when they sold it into the MBS trust.

I have an attorney who is a BK guy just in case I need to go that way too.

Ron LItton
ron10s@aol.com

sounds bad. chase tried to pull that crap with me. not sure about all your details. I would say you need to form a posse of persons around you including legal counsel, bankruptcy attorney etc and stop them in their tracks and have witnesses that can testify abut what they are and did to you.

never try to fight these people alone. in your community you have a HUD certified not for profit mortgage counselor with your local HUD mortagage counseling agency. they are independent of HUD fhe federal agency but they are community based. look them up on the hud website and find out where they are. make an appointment with the counselor . take all of your docs and ask for help.

I am not an attorney only relating what I did . always get competent legal counself to help . thi sis not legal advice from me. however years ago I filed a chapter 13 bankruptcy and I stopped the bank cold in trying to continue to defraud me. I had them on the run for 3.5 years and eventually they paid me a settlement.

they lied to everybody including real estate agents buyers got caught red handed not telling the truth to the new buyer of my home. that caused a near riot by the new buyer.

now I have taken the positiion that I am dealing with an ongoing and continuing criminal enterprise. in othere words alleged racketeering banks and their agents and servicers all approved by the state ags and the feds.

that position has worked sofar.

my second trust mortgage trustee is being sued for civil racketeering in kentucky in a massive class action suit in federal court.

we are dealing with alleged criminal enterprises. so do what yo uhave to do but do NOT do it alone.

that is what they count on.

good luck and keep fighting

david b.