Not quite sure if anyone that was a victim of foreclosure fraud would ever want to own a home again, but for the ones that would, this is a pretty decent proposal…
~
April 16, 2011
Sheila C. Bair, Chairwoman, FDIC
550 17th Street, NW, Room 6028
Washington, D.C. 20429
Re: Fixed-Rate, Low-Rate Mortgages As An Element of Compensation for Foreclosure Fraud
Dear Chairwoman Bair:
I write to you regarding fraud by banks in foreclosures. I previously wrote to you in January, 2010, regarding massive foreclosure fraud.
I am the woman who was featured on the 60 Minutes segment on April 3, 2011 on foreclosure fraud. That segment brought the wrath of Deutsche Bank and American Home Mortgage Servicing down upon me, but I have no regrets. You were also interviewed by Scott Pelley in this segment.
One proposal you recommend for holding the banks accountable for frauds and abuses in foreclosures is to create a fund to make reparations to victims. I support such a fund. An inquiry into whether the victims have been compensated is a traditional part of white collar criminal law. Such compensation is not made, of course, in place of criminal sanctions, but as an important part of such sanctions.
The fraud is so pervasive that twenty or thirty billion dollars will not begin to compensate the victims, and the banks certainly know this, even as they are setting aside as little as one to two billion for such relief.
I am writing to suggest to you that real compensation will include the opportunity for victims to have another mortgage.
Many victims of foreclosure fraud have been left with ruined finances, no credit and deficiency judgments. A one-time cash payout will not repair this damage.
The banks need to be required to offer victims of foreclosure fraud fixed rate, low-rate (3% – 4%) traditional 30-year mortgages, with a 5% down payment.
Such relief should be offered in every case where the lenders have filed forged and fabricated documents in official county records and court cases.
This relief should also be offered wherever a mortgage payment was incorrectly “adjusted” by mortgage servicers, including the tens of thousands of cases where the servicers attempted to justify their actions as a permitted increase in the escrow fund for taxes or insurance.
Such relief should also be offered wherever banks foreclosed while telling homeowners they were considering their eligibility for HAMP.
Such relief should also be offered wherever banks “lost” the homeowners’ HAMP applications and supporting documents three or more times.
Many victims of foreclosure fraud sold their homes, often at a loss, to avoid foreclosure. These victims also need to be compensated. These homeowners were very regularly told that mortgage-backed trusts owned their mortgages and would foreclose, even as the bank trustees knew that the documents demonstrating such ownership, the properly endorsed notes and assigned mortgages, were never held by the trusts.
Not every victim would choose another mortgage because many individuals will never trust another bank. There will, however, be tens of thousands of victims who are willing to become homeowners again.
Communities with a 40% rate of abandoned, vacant homes would benefit from such relief. County and state budgets would also benefit.
Please consider mortgage availability as an integral part of any plan to compensate victims of foreclosure fraud.
Please call upon me if I can be of assistance.
Yours truly,
Lynn E. Szymoniak, Esq. (szymoniak@mac.com)
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4closureFraud.org
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Dear Linda: I think your letter was a brilliant attempt to recover lost funds..BUT..I truly believe you are shooting too low.Late last year I heard a broadcast of the Florida Freedom Forum on UF public radio FM 89.1 and at that meeting a UF Law School Professor Emeritus Fletcher Baldwin received a Lifetime Achievement Award.Ironically Wachovia/Wells Fargo Bank had been convicted that day of money laundering $376 billion in Mexican drug cartel money( the subsequent fine was $110 million )…no one was imprisoned nor personally sentenced. He stated, that on the FDIC books is a rule that requires the FDIC to rescind the charter of any bank who is found in a court of law to have been convicted of a felony!!!!!!! A little research is needed and Prof. Baldwin has so far refused to reply to my email on this subject. Imprison of a felony ( sentence of 5 years and a fine of <5 years) is imposed when someone is a ware that a felony is committed and does not inform authorities…best of all luck..read: Clouded Title by David Krieger..regards, R
I pressed in Community Federal s & L v Fields so many citations there and one leads to another citation to another citation etc etc Ivent or John or Tim has to read this
I am not an attorney but from what I gather a note, a mortage ., anything entered into by a bank prohibited by the Constitution is illegal.
…a have a notation on a citation of a case I looked at when I was in Federal Court case here
.. a bank can lend it money, but not its credit
First National Bank of Tallalpoosa V Monroe
I was reading reading reading all night my mind is tired.
to I vent and John McCormick
I found some good info about what I vent is talking about
A Bank cannot lend its credit but can only lend their Money and all Loans of credit are Ultra Vires.
…Act is ultra vires when corporation is without authority to perform it under any circumstances or for any purpose.
By doctrine of ultra vires a contract made by corporation beyond the scope if its corporate powers is unlawful
Community Fed S & L., v Field 126 F 2nd 705
…when a contract is once declared ultra vires the fact that it is executed does not validate it, nor can it be ratified, so as to make it the basis of suit or action, nor does the doctrine of estoppel apply
F & PR Richmond 133 Se 888: 144 SE 501 151 Va 195
marilyn,
Ultra vires is an interesting doctrine. Do the cases you’ve cited speak directly to the lending of credit by banks being ultra vires, or are you extending that doctrine to the practice of banks yourself?
To Stupendous
From the Title of the case it looks like a bank case
Community Federal Savings & Loan v. Field
and on the other I don’t know what F & PR Richmond
to Stupendous man, John McCormick and I vent
Any judge with all his marbles knows that Shay’s Rebellion is the incident that gave birth to our Constitution. History is repeating itself and the Constitution was written prepared for that.
In 1997 when the bank hid four of my checks and the State Court refused to acknowledge that, I filed a Secus Federal Petition upon Federal Question to rule on:
1.Can a bank create their own money in direct prohibition to Art 1 Para 10 Cl 1 of the Constitution?
2.Can a bank ignore the Federal mandated 30 day Notice?
The Hon. Louis L Stannton read my Petition, accepted it for filing and when Judge Stanton sent me to the Federal Clerk to pay my fee and get a docket number I demanded a jury trial.
Shortly thereafter, Judge Stanton wrote his first orders and made a directive that I make a written demand upon the bank for a money settlement. I did that.
The attorneys for the bank stalled. They were in a panic. She wants a free house and money too!!!
I was only in Federal Court for three months when Judge Stanton abruptly remanded the case back to State Court. There is no way that Judge Stanton understood my Petition when he accepted it and un-understood it when he remands it. Judge Stanton did not lose his marbles in three months. It was politics.
When you demand a jury trial it is the jury that has to agree, disagree, dismiss or remand to state court, not
the judge.
That is what you are up against not the law. The law is one your side It’s the politics.
The very heart of what the Constitution was written to prevent – …no state shall coin money, nor emit bills of credit… is what is over taking the Constitution.
If our own Judges make war with the Constitution our country is in a downward spiral. But I believe the Judges if they haven’t, are starting to see what is happening to our country, when this fake money issued have invaded their pensions. There is nothing like something hitting home that makes someone pay attention.
As for I vent, it is easier to read and get the message when it is written in lower case and not caps but
PAUL REVERE HAD TO SHOUT!
Marilyn,
I am indeed, in agreement ,with you that the courts are not on the level, and they do not act for the people. My case lasted several months before some law student (can’t believe that it could be the judge) wrote an order that did not address the question but lent credence to a position that was invented for me by opposing council. My choice not to appeal was based upon economic necessity rather than abdication of position.
I still cannot see how a sanction against a state(art one sec ten) can be interpreted to include a private citizen or banking institution. (invention of money) However, I am so glad that you brought up that section of the constitution. It goes on to say that a state cannot allow any other medium save gold or silver to serve as payment of debt. “make anything but gold and silver coin a tender in payment of debts;”. It seems to follow that if I owe the bank an amount tallied in FED reserve notes, I could not repay but for gold or silver. At what exchange rate? If it is illegal for me to repay debt with debt instruments, then is there is no practical way to repay? So glad that you brought this up!
BTW Shays is a great cause to bring up in relation to our present situation. It was also a reaction to thieving European bankers!
Not being an attorney I did research my own way which included looking up the meaning of every single word in a court rule to make sure I got it right. So I accumulated alot of information in my head that had nothing to do with my case. If my memory serves me right I remember the issue of
“fraud against the court” where if an officier of the court (a judge, a law clerk etc ) committed fraud there was no latches to that case and so no statute of limitations. I have to find out where in ;my head I have that information.
Meanwhile about settlement, : I think if someone is not your agent they are not allowed to settle for “you” they have no standing.”
Rosa Park started a movement all by herself. I think I vent has already started a movement. He is our Paul Rivere i always thought that I vent was a girl. Either way I vent is telling us how we are getting ambushed. Now that we are all starting to see the bigger picture we have to get more organized.
to John McCormick
go get some of that Mickey mouse money different states are making and try to pay your bank back and see what happens?
Marilyn,
You are entirely correct that the bank does not have to accept other, alternative script. The question had to do with the legality of bank “invented money” and its relative legality. For a bank to give you or anyone else credit is not the same as acting “Ultra Vires” or in common English, “beyond their authority.
You may be surprised to learn that they are not required to accept FED printed “legal tender” in all situations either” Justice Marshall was entirely correct in his faith in the doctrine. However, there are many other factors here. If one finds that either the USC or CFR prohibits certain acts by the bank or, that the charter for the bank is not being adhered to, or that the bank is afoul of some other regulation, then we may have a case of “ultra Vires” Other than a non applicable quote form the Constitution, you stated no specific law or regulation that we could base an argument upon. I personally like the the thought that they may be acting beyond their authority, but would like to hear more specifics and learn another effective position to hold. Thanks for starting the thread!
Opps! I misspoke when I said that the States were free to print other mediums of exchange. Researching further, I find that I have to retract that statement. They are not. Thanks! Great topic!
John McCormick
I am going to think about my answer and get back to you, meanwhile try beads.
Stupendous man
Read:
Article 1 Para 10 Cl 1 of our Constitiution again.
…no State shall coin money, nor emit bills of credit…
Do you know what that means?
A bank cannot lend its credit but can only lend their money and all loans of credit are “Ultra Vires”
Justice Marshall wrote, the doctrine of ultra vires is a most powerful weapon to keep private corporation within legitimate spheres and to punish them for violations of th
eir corporate charter, and it probably is not invoked too often. Zinc, Carbonate Co.V First National Bank , American Express Co. v. Citizens State Bank
Art i Para 10 Cl 1 has never been taken out of our Constitution. So what is the difference how old it is?
If there ever was a time our Constitution should be adhered to it is Now in times of uncertainty. This mortgage and financial mess has been brought on by Banks lending their credit. Its time for every Judge in every State to pay attention to Article 1 Para 10 Cl.1
counterfeit money passes as good till someone discovers that it is counterfeit.
Doesn’t the constitution speak for itself? The prohibition is against the ( STATES )(“coining”) money. The STATES are, in fact, free to print any medium of exchange that they see fit, as are private parties. Are we forgetting the “green stamps” and other promotional scripts? A simple search of the net will reveal a half dozen alternate currencies in use today in the United States.
Check out= http://en.wikipedia.org/wiki/List_of_community_currencies_in_the_United_States
Since the States do not have the Right to coin money, emit bills of credit … the corporations under them do not have it .
What law has given these banks the right to use their credit as LAWFUL money. None. Congress never gave them the right . The banks are collecting interest on money that doesn’t exist.
What the banks are doing is unlawful.
If on one day all the people who are given checks by the bank, went to the banks that day to redeem them, the bank would have to shut its doors.
Those mickey mouse monies you tallk about is not lawful money. Any anyone who collects interest on fake money or credit is guilty of usury.
Yes, I know what that means.
I have a copy of my state, and our federal, constitutions nearby. Less than arms length away actually. I refer to them frequently. I order ten (10) copies every month from my local legislative research commission and they fill my order for free. I then pass them out to ANYONE that is willing to accept them. I have raised the “constitutional consciousness” in my rural county. How much is debatable, but at least folks are provided an easy opportunity to read these seminal documents and begin to gain an understanding of them. There are at least a few that have become quite interested in applying the constitution/s, the authorities granted by them, as well as the limits and disabilities imposed by them, in the present context. Rather eye opening for them.
I am well acquainted with Article 1, Section 10. I’m also acquainted with Article 1, Section 8 (they dovetail together nicely). Additionally I’ve done significant reading and study of our monetary system, both current and historical, for the past ten (10) years. While I’m far from being a constitutional, or monetary, scholar I am a devoted student. My grasp of our monetary system exceeds that of most people.
Still I would not go into court basing ANY of my arguments on what I know of our monetary system. Other than the decision mentioned previously in this thread, the Scott County MN case of First National Bank of Montgomery v Daly, from December of 1968, I am not aware of even one other recent case in which the “vapor money theory” has been argued successfully. I have no interest in putting forth an argument which practically guarantees I will have my hat handed to me. ALL of my chips are in this hand and winning is my most important goal (though not the only one I have). I am interested in putting forth arguments the court will hear, and arguments I can prove. Frequently you must have the former before you’re afforded an opportunity at the latter.
The California Fed. Dist. Court I provided yesterday summed up quite well the courts current views on this. Did you read that case? Did you note how many recent and similar cases were cited within that case? Did you note the completely unambiguous language the court used to express its opinion?
At this point it has taken me 3.5 years of very hard work to have the erroneous lower court decision of 2008 that granted summary judgment to plaintiff overturned on appeal. I expect to be litigating several more years. I DO have some solid arguments, and intend to press them. These are arguments the court WILL hear, and that I believe I can prove to the satisfaction of a jury of my peers. While this is an emerging area of the law, and I am willing to incorporate newer successful arguments as they emerge (if they fit the circumstances of my case), I am also clear that as a pro se litigant I have significant enough hurdles in the courtroom without putting forth arguments the court will not hear at all.
If someone were to step forward and make an articulate argument in regard to our monetary system, and actually win the case in a superior court, I’d be the first to congratulate them. I might also be the first to follow them. But that isn’t a trail I am willing to blaze. I feel being the “lone voice in the wilderness” in foreclosure defense in my state is already enough of a burden for me to carry.
The only person I can think of that MIGHT be able to argue and win on this issue is Ed Vieira. If you haven’t already seen or read any of his book “Pieces of Eight” I highly recommend it. It is out of print but there are used copies available. Kind of pricey though. The last time I looked, about a month ago, the least expensive copy I found was $350.00. I wonder if they would accept silver coin?
I was logged into my lawyers account by mistake, sorry.
I am a homeowner, I live in Miami and my case was dismissed, I fought for 4 long yrs, I bled on the battlefield with people like Lynn and many people like her. I do not fight my fellow fighters, they are on my side. I save my fights for the Plaintiff, where were you people when people like Lynn needed help and support? where were you all just 6 months ago? I won my house and I still suffer from the stress that has destroyed many good people. I am still fighting and providing support to people who need support. I met Lynn once and spoke to her twice on the phone, she has worked very hard to help herself and many people and she has a long way to go still, so I think I need to help her and many like her, as their loss is my loss and their gain is my gain, the more fighters I help, the better protected I would become. People lost their homes because they did not have good fortune and were not correct in their strategy, its not my doing, I supported my lawyers and helped them all I could, its the house stupid
I don’t see any efficacy in the firefight (old tech term), but have to agree that I am suspicious. Why come to terms with an enemy who has laid waste to most of the known world?
Wall Street is celebrating it’s victory in the US the same way they did after laying waste to the peso and plundering Mexico in the 90’s.
Folks! There are 500+ Trillion (with a T) worth of derivatives out there in a world whose total assets are +-100- trillion. They are a weapon used to plunder at will.
Again Please read the Dodd –Frank wall street bill!
(take out the last sentence in my 1:34 post. something was going on in my computer and didn’t want to lose what I had already written.)Now I continue.
No wonder the Banks are intent on foreclosing,when they want cash they would demand lawful money for the CREDIT money they loaned you in the Mortgage agreement.
Looking up 510 information I discovered the word “Ultra Vires” Ultra Vires means in simple terms – an act done by a corporation without authority to perform it.
No Bank charter allows a Bank to lend its credit., it can only lend its Money.
All loans of Credit are Ultra Vires.
When the Banks bankruptcy attorney filed to lift the automatic stay Judge Cornelius Blackshear told me to file a Secus Federal Petition and put in all the meaty details.
I filed a Secus Federal Petition on May 8th 1997 to rule upon Federal Question.
1. The Federal Statute of 30 day Notice
2. The newly discovered evidence that Fidelity created money in direct prohibition to the US Constitution .
Art. 1 Para 10 Cl 1 states: No state shall coin money, emit bills of credit…
The Hon. Louis L Stanton read my Petition, accepted it and sent me to the Federal Clerk to pay the filing fee .
I demanded a Jury Trial and annexed the State Record and was given a docket number.
I filed a copy of the Fed pet. in the County clerks Office of the State Court and sent a copy of the stamped Pet.
to the a ttorneys MJRF.
Judge Stanton issued his first orders on June 11 1997 and made a directive that I write a demand letter to the bank for a money settlement. I did that. MJRF kept stalling and then I found out why, MJRF were waiting for Judge Carol Arbor (you remember her the Judge who struck my answer) to sign the two judgments of foreclosure which she did on June 30 1997 when the State Court no longer had Jurisdiction.
MJRF then apparently convinced Judge Stanton to remand the caseback to State Court. Judge
Stanton remanding the case back because Federal Court does not have Subject matter Jurisdiction and it’s frivilous.
I have hindsite on this issue. Although these Ultra Vires cases have been heard in Federal Court, the last that I know off where the bank lost was the Credit River case where the Bank lost — and the Judge in that case was poisoned and ended up DEAD.
My case was remanded on July 29 1997 and in their rush to auction off my two condos they used the VOID JUDGMENTS ab initio of June 30 1997.
At the sale I handed out papers of the illegality of this and the attorneys who came to bid left. I told corrupt Timothy Rooney and Corrupt Referee Penny Stark “Those judgments aren’t good. This is illegal. You can not
do this. ” And Timothy Rooney replied “who is going to stop us?
Rooney and Stark auctioned off my two condos illegally to straw buyers Fang Li and Cheetah Realty.
I was Ousted. I went to Florida and wrote a little book and kept writing to Federal Senators Federal Judges. OTS, OCC, SEC etc And from this I was advised go back and open up the case in New York Supreme
In September 2008 I went back to NYSC by that time Astoria Federal S & L had gotten rid of the corrupt attorneys and the new attorneys for Astorai Federal S & L , Mr Arthur Walsh of O’Reilly, Marsh & Corteselli looking at the facts and the dates said Its Indemnify Indemnify Indemnify –
we are stepping aside aside and the title attorneys are stepping in. Corrupt attorney Frank Malone of FidelityNational Title David K Fiveson of Coronet Title did not want to indemnify the Forged deeds they knowing insured and instead want to be Intervenors and be heard and what they told the court is time makes a forged deed good. A FORGED DEED CONVEYS NO TITLE AND HAS NO LATCHES.
These are the title attorneys that told Judge Alice Schlesinger we have Equity and the only equity a forged title has is money under the table for Judge Schlesinger and she ruled against the Suprme Court case of Elliot v. Piersol.
William P Foley CEO of Fidelity National Title, former chairman of LPS Docx gives the marching orders to corrupt attorneys that have infilterated the Banks, the Courts and the Land records all other this country. Fidelity National Title is connected to 95 percent of all foreclosures. One day I will be back in my condos, but I wish it were now. Meanwhile everyone watch Folley that he isn’t going to the Cayman Islands to put his money somewhere else.
f Ceo of Fidelity National Title
I will try to tell you all as simply as I can how and why I know about the counterfeit money issue I vent talks about.
I am not an attorney , I am not giving advice I’m telling my story. Since each case is so different you have to read and figure out your case of why a bank would hide your payments etc etc.
In 1994 Fidelity NY FSB & their corrupt attorneys Mullooly Jeffrey Rooney & Flynn hid four of my mortgage checks(2 each on two NYC condos) MJRF figured out a scam that if they could get everyone to hide a mortgagors sent to the bank before acceleration the bank is able to circumvent the mandatory 30 day notice requirement of federal law and bring fraudulent foreclosure actions on what turns out to be illegal loans. The just discovered motive of the Bank’s scam is to bring cash into the Bank by demanding payment in Lawful money for Money the Bank Created’
When Fidelity went under in 1995 Astoria Federal S & L became Successor in Interest.
I found myself in New York Supreme Court, Pro Se. The first Judge, Edith Miller severed and gave me 14 counterclaims for Fraud, malfeasance, etc to prosecute against the bank, when MJRF asked for Judicial Intervention because they didn’t give me the mandatory 30 day notiice. MJRF still hiding my 4 checks brought another pair of foreclosure actions.
This time Judge Miller reversed herself. I went to DA Morganthaul.s office and they told me a judge cannot do this Report the Judge and the Attorney Timothy Rooney. I did Judge Miller Retired.
The case was assigned to Judge Carol Arbor. I told her about the checks. She told me I already had Due Process. I told the Judge (just like I vent is saying) This kind of Justice happened in Nazi Germany. It doesn’t happen here in America. And Judge Arbor said “STRIKE HER ANSWER”
I appealed. I told five appellate judges about the hidden checks – the judges didn’t care and I lost and the case was sent back to NY Supreme Court.
I saw a man taking picture of my windows and before the Supreme Court could issue any foreclosures I filed a Chapter 13.to save my two properties.
At last I found a Judge the wonderful Cornelius Blackshear that understood the banking system. Judge Blackshear told me the proper preoceedure would be to file a 510 motion. Researching my 510 I discovered how the Bank does it’s bookkeeping If the bank has 5% or $5000. in cash reserves they lent out $100000 thereby collecting interest on $95,000 that didn’t exist. (continued in another post)
I went to DA Morganthals office and they said a Judge cannot do this report the Judge and the attorney. I did. Judge Miller retired..
Great post, Marilyn! I think this calls for a little internet yelling. WE THE PEOPLE. OF THE UNITED STATES OF AMERICA, IN ORDER TO FORM A MORE PERFECT UNION, ESTABLISH JUSTICE, PROVIDE FOR THE COMMON DEFENSE, PROMOTE THE GENERAL WELFARE, AND TO SECURE THESE BLESSINGS TO OURSELVES AND OUR POSTERITY, DO ORDAIN AND ESTABLISH THIS CONSTITUTION OF THE UNITED STATES OF AMERICA..
To Ivent – I must say that as I read these posts every day I do agree with Incognito & Doubtfire that sometimes toning down is like catching flies with honey not vinegar. Although I agree with you completely, sometimes even I bypass your posts because your typing in CAPS just turns me away. There are a lot of new inquirers into this blog and it would serve both you and justice for all if you were just a little more calm in your writing habits.
To Mario & Stupdendous Man – Well, having been fighting my foreclosure now to well over 5 years your comments here incline me to believe that you are in the legal profession and have absolutely no clue whatsoever to the real undercover and well-hidden truths by our government and the banksters who share the same bed. Lynn was wrong to insinutate that the American people who have been defrauded would settle for anything less than retribution to those who have committed the (criminal) crimes and monetary retribution for the losses the citizens have incurred as a result. It is a slap in the face for her to suggest that we would want to mount that horse for the 2nd time.
As to the comment in her letter for the wrath of the banks, it could be that they did offer her some sort of retibution to keep her quiet in the future because if the case is Dismissed, even without predjudice, why would they come back at her? Let’s face it, the media attention is and was not a good thing for them and her being an attorney certainly did not help matters. Money is a huge movitator and even the best of the best can be swayed when it comes to the almighty dollar. What does Lisa Epstein have to say about this letter from Lynn? And, even though the lender has the right to re-file the foreclosure again how is it that they are going to document for the 2nd time that they could not document the first go around? If they could not provide proof the 1st time and used fraud to circumvent the law, how would a 2nd chance for them be of any use?
Many of us have been guilty of a little to much CAPS useage here at 4closure fraud. Though I know it is considered internet yelling, this Government needs to be yelled at when they are clearly not governing under the U.S. CONSTITUTION. If this is a free and open society than even if we do not agree with what someone says or the way they choose to express it, I do not think we should be criticizing their right to say it or the way they may choose to express their views. I am not here to start a fan club, all I want is what we all want, LIBERTY AND JUSTICE FOR ALL. Now that might take some yelling, so if you don’t like yellling, you don’t have to read my posts when I am yelling. Just letting you know right now, that there will be alot more yelling to come from me and many others if they don’t stop stealing the homes from the American People that they can’t prove they own..
lvent, it is MUCH more than just yelling, although that is a part of it. I agree with you most of the time, but I often don’t read your comments, doesn’t that tell you something? Think if I was the average person not knowing much of what is going on, and then I read your ‘rants’ as many call them. I certainly will not accept most of what you are saying, simply because of the WAY you are saying it, including, but not limited to the yelling. Are you trying to educate the average person, because that is what it seems like to me, and I am ALL FOR you doing that, because so many need to understand what you are saying. But so many will not get or understand your message, or skip it all together, then who have you educated?? Me??? I already know……..or do you just want to argue with people here??
incognito, Everyone has to connect their own dots.
I have no desire to argue with anybody here. That is not what this is all about. I call it as I see it. That letter looked suspicious. Some did not like that I felt that way. Why do you think that is? How could a new 40 year mortgage debt be an agreeable settlement to anyone here? You do not think this all seems a bit fishy? All of sudden, out of nowhere, a seemingly honest woman who uncovered a ton of the mortgage fraud, wants us to settle for the fraud that she herself would not settle for? COME ON.
Again lvent, I agree WITH you. I know Lynn personally, and wonder about her suggestion as well. Maybe she will explain more over time about why she suggested that option. I don’t think I like her option either, but I am giving her the benefit of the doubt at this point in time. And I would hope you do call it as you see it, you should voice your opinions here, as I said I usually AGREE WITH you, and hope you are trying to educate the average person here, BUT, with the way you do it, partly including the all caps, but not just that, the way you try to get your message across turns many away INCLUDING those that agree with you. Imagine how those that know less about this, and those that just have an opposing view to yours, (which is a large group) they will certainly not listen to you. And at that point, you are not educating anyone, and are coming across as ‘ranting’ and a ‘lunatic’ and ‘idiot’ and all the other words that have been heaved at you. I’d like to see you educate so many here that don’t realize the things you are saying, because so many do not understand what you are saying.
incognito, I tell it like it is. If what I say comes across as crazy it is only because vast criminal conspiracies always sound crazy, because the maniacs behind the scenes are crazy and diabolical. Caps or not, it does not sound any less crazy. What diabolical scheme does not sound crazy? People thought the hippies and the radicals in the 60’s were crazy too. It did not stop them from calling out our Government.
I must agree, I know a lot of what lvent says is correct, but I tend to skip lots of his comments as well, so his message is not getting across like he would want it to do, and like I think it should. Many need to know what he is saying, but will never get his message simply because they are turned off by him, shame.
Oh, for the love of God! Get over the caps usage thing already. It is really so irrelevant. I f that is all you have got, PUT IT AWAY.
Again, I ask you lvent—- who have you educated?? Me??? I already know……..or do you just want to argue with people here?? Am I wrong that you are trying to educate people on this site???
Hi Bobby,
I know Lynn is subjected to continued bank and foreclosure mill intimidation daily. Having had a taste of such aggressive and offensive tactics, I know how stressful it is.
Remember, out of millions of families who have lost their homes to foreclosure, only a tiny percentage have any idea about the fraudulent cradle to grave scheme. All they know is that they have ruined credit, ruined employment opportunities, ruined finances, and a sense that something was deeply wrong about the whole transaction that led to the dispossession from their home.
One problem we face in talking with regulators and law enforcement is how to frame compensation, how to allow for recourse, how to offer recovery to those damaged by fraudulent foreclosures.
I don’t think Lynn meant anything in her letter except to address one small issue; that being the inability of those who have a foreclosure on our record to obtain home loans for many years. She presents one item to be considered along with the specter of impact of fraudclosure. She wrote, “I am writing to suggest to you that real compensation will include the opportunity for victims to have another mortgage.” I do think Lynn was talking about a modification of an existing loan. I think she was offering one suggestion on how to help families rebuild their lives in homes instead of month-to-month motels and offer hope for ruined communities to stabilize and recover.
Do I support this suggestion? That’s a toughie. I fully trust all big banks and mortgage servicers to do what they do best, comply with their lucrative, highly rewarded, and well entrenched business model of viewing people as suckers, marks for the taking. I have a difficult, if not impossible, time getting past that.
I do support the exchange of ideas. These are unprecedented times in this country and the people will do well to yell loud and long to uncover & expose the extent of the criminal fraud. We need not only to impose strong deterrents, including enforcement of existing laws & regulations, but also to deeply consider options for recovery. This is an extremely difficult task in light of the fact that the financial sector has captured our three branches of government, law enforcement, and regulatory agencies.
In the end, it’s an abomination to have millions of empty homes and millions of homeless families.
May G-D help us all.
Lisa
As always, well spoken Lisa!
I meant I do NOT think Lynn was talking about a modification of an existing loan. Sorry.
I see mud slugging and infighting, this is useless, I read Lynn`s letter and I approve it, …………..next.
And why exactly would anyone want to establish a new 40 year mortgage debt? That is not what we are all fighting for here? We want justice. THAT IS NOT THE JUSTICE WE WANT OR THAT WE DESERVE. And WHY should WE have to start over because this ongoing criminal enterprise robbed us? I for one am not going to lay down for any more of their victimization tactics or any of the trolls at this website.. There will NO DOUBT be a concentration camp waiting for those who cant pay. IF THEY DEEM YOU A COWARD YOU WILL BE ONE OF THE FIRST TO GO, JUST LIKE HITLER DID TO THE JEWS, IT’S COMING, ALL VICTIMS ABOARD, OFF TO THE GAS CHAMBER..
Dont believe it? You decide who is behind this whole diabolical plan: http://www.theforbiddenknowledge.com/hardtruth/jesuit_world_control.htm
I agree in regard to the mud slugging Mario. It was the mud I Vent slung at Ms. Szymonik, particularly his suggestion that she has now gone on the payroll of the “banks,” that caused me to respond and engage in such myself.
Because the posts I Vent makes undermine his credibility better than anyone else ever could I’ll not waste any more of my time in the banter.
WOW. REALLY? CREDIBILITY? MY NEW MOTTO IS QUESTION MORE. I think the contents of that B.S. letter is what is not very credible. WHAT THAT LETTER REALLY LOOKS LIKE IS JUST MORE DECEPTION. You are who appears to have your panties in a bunch because you keep on LYING ABOUT WHAT THIS IS REALLY ABOUT, which is : LIBERTY AND JUSTICE FOR_ ALL. _ YOU are who is stinking up this website by trying to promote what is clearly a LOUSY DEAL FOR MILLIONS OF DEFRAUDED HOMEOWNERS NATIONWIDE. The only FAIR DEAL FOR HOMEOWNERS IS FULL LOAN RECISSION OF THE FAKE MORTGAGES. . DEATH TO THE TYRANNY!!!!
No need to sound so self-righteous and pronounce a bluff-and-bluster “…next” at the end of your post. If your home had been stolen from you — and I do mean literally, blatantly STOLEN due to fraud that you can prove to anyone who has a thinking brain — then you would know that it is not sufficient to be told, “Your compensation will be to get saddled with a new mortgage — oh, but we’ll keep the interest rate low!”
You would have to be a complete fool to put faith and trust in any mortgage loan from any lender right now in 2011 and into the unforeseeable future. Haven’t you read enough posts and stores on THIS WEBSITE alone of people who have actually paid every single monthly payment on their mortgages and have STILL been foreclosed on?
That is really happening, and that is why no one who has an ounce of sense would let themselves get trapped into another mortgage in the current environment.
Once bitten twice shy.
Fool me once, shame on you.
Fool me twice, shame on me.
I will not be fooled twice. Even the young Facebook billionaire Mark Zuckerberg is smart enough to rent a home in Palo Alto, CA instead of owning one, and surely he could afford to if he wanted to.
Thank You for that post. Some here at this website are indeed trying to convince us that a fair deal for millions of defrauded homeowners is a new 40 year mortgage debt. That bondage is completely unacceptable. There is some really sneaky stuff going on. Like all of the other deceptions, the ORIGINATION FRAUD, THE FRAUDULENT INDUCEMENT OF THE FAKE MORTGAGE, the Deed-in-lieu scam and the short sale scam, MERS and FRAUDCLOSURES. These criminals will do almost anything to steal from all of us whatever it is they haven’t already taken. If they can’t steal our homes they want to turn all of us into debt slaves for eternity. It clearly looks like what they really want is for all the defrauded homeowners to start over and that is no way a fair deal.
Our farm was stolen in 2007 here in Texas, by fraudsters who used exactly the same frauds. At that time there was no public knowledge of how bad this was or about to become.
As to doing business with the same group of people after one theft why would anyone ever trust again?
And here’s some harsh news. After losing our farm, we found another property and now Bank of America is setting us up for a foreclosure even though we’ve never been late or missed a mortgage payment. Why? Because last October Bank of America split its assets into a good bank, and a bad bank. Any mortgage originated with or acquired by BoA that is considered a subprime loan would be divested within a years time. That included our mortgage because, wa were acquired in September of 2009 from Taylor,Bean and Whittaker of Florida when that company was shut down and seized by the federal government.
So now we must prepare to battle B0A before they can strike.
the banks owe us money.
you cannot “fix” fraud.
sheila bair is on the way out.
she appeared nervous on the 60 minutes broadcast because she KNEW the 50 state attorneys general
coalition had already fallen apart.
my family will not settle for fraud.
we are owed millions of dollars in damages.
our loan was sold 50 times and paid off!
Kudos!!
I don’t know what happened to Lynn, but this letter makes no sense. Why the hell would homeowners agree to a new mortgage, when Lynn got her home free and clear??! It’s only logical that we would follow the same legal path that she took. We’re not idiots..
Absolutely, positively. our homes are paid for free and clear. Put me on 60 minutes. I will gladly show them the PROOF of the ORIGINATION FRAUD on my title as well is in my public recordings. There has been no assignment of a lien in 20 years.
…if the medium which the govt. was authorized to create and establish could immediately be expelled and substituted by one it had neither created, estimated or authorized one possessing no intrinsic value that the power conferred by the Constitution would be useless , wholly fruitless of every end it was designed to accomplish
United States v. Marigold 50 US 560 (1850)
Art 1 Para 10 Cl 1 of the U.S. Constitution has not changed since our Constitution was endowed to our Country. Just because activist Judges of the last 30 years don’t want to follow the Constitution doesn’t make I vent wrong.
Our Constitution has not changed in the last 30 years
Citing a 161 year old case is pretty far from meeting my challenge.
If you’re willing to make retention of your property/house contingent upon an argument that has no recent history of winning (within the last 30 years) more power to you. Please let me/us know how it works out for you. We could all benefit from any winning arguments and strategies.
I WANT THE U.S. GOVERNMENT TO RESCIND ALL OF THE FAKE MORTGAGE LOANS ON THE GROUNDS, THAT THEY NEVER EXISTED, AND WE THE PEOPLE CAN PROVE IT. THAT IS THE ONLY FAIR DEAL FOR HOMEOWNERS. THESE CRIMINALS MADE 60 TRILLION DOLLARS IN 1999 ALONE OFF OF THE MORTGAGE DERIVATIVES SCHEME IS WHAT CNBC REPORTED AND CNBC ALSO REPORTED AMERICA IS NOT BROKE AND THE ILLUMINATI CRASHED THE STOCK MARKET INTENTIONALLY. GO TO YOU TUBE AND SEARCH THE WORDS. CNBC ILLUMINATI CRASHES THE STOCK MARKET. I GUESS THE PEOPLE AT CNBC ARE A BUNCH OF WING NUTS TOO. I GUESS SO IS THE BRILLIANT CHRIS WHALEN IN HIS BLOOMBERG VIDEO ENTITLED, FORECLOSUREGATE IS A CANCER. GOOGLE IT MORON.
Thanks Marilyn,You did a great job. We all know STUPENDOUS MAN is full of shit. He is probably just another NEW WORLD ORDER PLANT. He is no doubt a troll trying to throw us off the path.That makes we think we are on the right path, that is when they come to verbally assault and attack you. I HAVE DEALT WITH THIS KIND BEFORE ON THIS WEBSITE AND OTHERS. I am going to ignore his sheer and complete IGNORANCE. I won’t waste my time fighting with the people trying to cover up for the LIARS and the CRIMINALS THAT ROBBED US . HIS OPINION IS WORTH ABOUT AS MUCH AS THOSE FRAUDULENT MBS’s HE PROBABLY INVESTED IN. LMAO!!!
Lynn’s letter is off in a different world. She is actually proposing to the Chairman of a bunch of criminals that the criminals should continue doing business with victims by refinancing their loans into low-rate, fixed loans? Disgusting.
Real restitution is for the banks to return what they truly stole, stop them from committing more crimes, and get them away from their victims. A permanent restraining order from victims and criminal banks is a given. In most cases, houses and cash should be given to victims. Also, all false reporting to credit reporting agencies should be corrected, all paid by the criminals. And there is just so much more.
Thank You very much, Jason Werner, for getting my back, you are a true american and a gentleman. Clearly some here are not with us. Their true colors are not of the red,white and blue variety. This is no longer about a mortgage loan. That boat sailed after the loan mod scam intentionally threw me into default. Now I know the truth, the mortgage loan was a fake and a fraud. I have the proof in the ORIGIANTION FRAUD. Now I will accept no less than a full loan recission of the fake mortgage loan contract and they maybe I will not sue for the defrauding of 18 years worth of fraudulently induced mortgage payment. They never assigned a lien, I should have never paid not one of those until they did. .
I Vent is an idiot!! As is anyone that erroneously believes they can win a foreclosure suit but putting forth anything resembling a “vapor money” argument.
I challenge anyone, yes anyone, to provide examples of that kind of argument being articulately argued and prevailing in the last 30 years.
As for his attack on the contributions, credibility and integrity of Lynn Szymoniak … Well, I Vent is an idiot. I am completely unaware of any substantial contributions I Vent has made to foreclosure defense. I’ve seen nothing from him but wingnut fits and tirades. Clearly he is an angry man. Perhaps he has come by his anger honestly but he is also clearly channeling and expressing it in ways that have no probative value whatsoever.
Lynn, on the other, has effectively advocated, researched, written, spoken, conducted interviews, provided expert affidavits and testimony, networked and educated, brought previously underground issues into the mainstream consciousness.
Draw your own conclusions.
I hope you’re not lumping all of us together in your definition of “idiocy” — for many of us, it has nothing to do with a vapor money argument.
Yes, I took out a loan.
Yes, they gave me the loan.
But wait, they quoted three different amounts in my loan docs.
And then they did not give me the cash out of the refi that I signed for and agreed to.
And then they sold my loan to another mortgage company, and broke RESPA laws by considering me late on two payments during that transition period when I did not know who or where to send payments to.
And then the perjured themselves in court in their foreclosure case against me.
And then Erin Collins-Cullaro, who worked for the AG’s Economic Crimes Division WHILE she worked at David Sterns’ Florida Default Law Group, concocted an affidavit that was notarized by — guess who?! Her relative, Lisa Cullaro.
And yes, a fraudulent warrant deed was constructed by New House Title LLC, a company affiliated with its parent company the Florida Default Law Group, signed by Alex Medina who was and still is a VP with LPS in their asset management division in Colorado, but who is NOT a VP with Wilmington Finance, as she robosigned herself to be (not a signature — more like a scrawl).
And yes, that fraudulent warranty deed was NOT properly notarized, and yes the notary stamp did NOT include a commission number or a date that the notary’s commission was good through.
And no, my home never really was “sold” at an “auction” — the transaction was purely an inside job between Wilmington Finance, the Florida Default Law Group, the two investors who worked were affiliated with New House Title LLC, and LPS.
So you see, in a case like mine — and I’m sure many other cases during 2007-2008 were similar to mine — I AM OWED EITHER A HO– USE OR FINANCIAL COMPENSATION FOR MY HOME THAT WAS STOLEN FROM ME. I cannot expect to get my former home back because lo and behold, the two investor buddies sold it in February 2009 to another investor, who is now renting to out to someone else.
So if you are a licensed attorney in the state of Florida, or know of someone who is, I would like for you to challenge the pure legal validity of my case if I sue these various entities for FRAUD.
My statement was clearly limited to “anything resembling a ‘vapor money’ argument.” The issues you’ve expressed being involved in your case are quite different.
I implore any of you pinning your hopes to anything resembling a vapor money argument or theory to do some research. It needn’t even be deep research, such as a thorough Lexis search. You can merely google “vapor money theory” and numerous losing cases are displayed on the screen.
Here is but one easily found example from a google search: “As defendants accurately observe, plaintiff’s claims are premised on the so-called “vapor money” theory which has been consistently rejected by federal courts as frivolous.” Kuder v. Wash. Mut. Bank, 2009 U.S. Dist. LEXIS 78924
You can find the full case on LexisOne or on Lexis via the Lexis number, or on the net at the following link:
http://californiasecuredloancases.com/eastern-district-of-california/glenn-michael-kuder-plaintiff-v-washington-mutual-bank-and-california-reconveyance-company-defen/
It is a short decision, expresses courts opinions on this theory clearly, and won’t take 5 minutes to read.
NO ONE PLANNED ON USING ANY SO CALLED VAPOR MONEY THEORY IN COURT. WE ARE TALKING ABOUT USING THE ORIGINATION FRAUD FACTS. WE HAVE PROOF OF THE ORIGINATION FRAUD IN OUR TITLES AND OUR PUBLIC COUNTY RECORDINGS. MERS IS THE CLEAR PROOF THIS WAS A GIANT CYBER SCAM.
Stupendous tyrant, my attorney already advised me to use the ORIGINATION FRAUD that I uncovered as my main line of defense. The fraudsters can’t prove they own nor did they ever own nor do they want to have to prove they own these LOANS. They know they never owned anything but alot of cyberspace fakery. The fraudsters themselves even called these FAKE MBS’s, pigs and shit.
STUPENDOUS TYRANT, THEY DID THE SAME SCAM TO ALL OF US AT ORIGINATION. THAT IS WHERE THE TRUTH LIES. THAT IS WHY THIS MAN SHOULD GET HIS HOME BACK THAT WAS STOLEN FROM HIM AND SO SHOULD EVERYONE ELSE THAT LOST THEIR HOME TO FRAUDCLOSURE. THE PROOF OF ORIGINATION FRAUD SHOULD ALSO CA– USE NATIONWIDE LOAN RECISSIONS BY ALL OF THE PRETENDER LENDERS.
Looks like the Stupendous man-Defender of Liberty-Foe of Tyranny is a LIAR. HE IS REALLY A NEW WORLD ORDER TRICK, HE REALLY LOOKS LIKE A STUPENDOUS FOE OF LIBERTY who is really no more than a DEFENDER OF TYRANNY. He wants to shoot the messenger, that is one of the oldest NEW WORLD ORDER TRICKS IN THEIR EVIL BOOK.
JA, file a complaint to the Governor’s Office on the Cullaros as more need to do this. I reported criminal violations of them and so far, the Governor’s office is only willing to reprimand. If they see more complaints against them, eventually they will need to act……PLEASE file complaints that are detailed and can be supported, it is easy, look at Florida Statutes 117, you will find plenty of violations!!
VAPOR MONEY ARGUMENT? LMAO. I AM PUTTING FORTH THE FACT, THAT THE LOANS NEVER EXISTED.THE MORTGAGE LOANS WERE A GRAND ILLUSION, A SCAM. THAT IS ALSO WHY THE SECURITIZATION NEVER ACTUALLY OCCURRED, THERE WAS NOTHING TO SECURE, THE LOANS WERE A SCAM. THE PROOF IS IN THE ORIGINATION FRAUD ON TITLE AND AT THE COUNTY RECORDERS OFFICE. THIS ALSO PROVES THE FRAUDULENT INDUCEMENT. A LAWYER REPRESENTING MY COUNTY RECORDERS OFFICE ALREADY TOLD ME MY HO– USE IS PAID FOR, I CAN LIVE IN IT , SELL IT OR I CAN DO WHATEVER I WANT WITH IT. WHY? BECA– USE THE FRAUDSTERS HAVE NOT ASSIGNED A DEBT TO MY DEED IN 20 YEARS. NOW, WHO IS THE IDIOT? THE FBI ALREADY CONFIRMED TO ME THAT THE TRUTH AND THE PROOF OF THE MORTGAGE SCAM IS IN THE ORIGINATION FRAUD AND FANNIE/FREDDIE ARE THE GUILTY PARTY. I HAVE THE ABSOLUTE PROOF OF THE SCAM. SAVE YOUR NAME CALLING FOR THE CRIMINALS WHO SET YOU UP TO FAIL, DEFRAUDED YOU AND ROBBED YOU. .YOU ARE HELPING NO ONE HERE, AND EITHER IS THAT BULLSHIT LETTER TO SHEILA BAIR. YOU ARE STUPENDOUS ALL RIGHT, A STUPENDOUS MANIPULATOR OF THE FACTS. AND WE ARE NOW THINKING YOU ARE WORKING FOR THEM. YOU ARE WORKING AGAINST THE MAJORITY HERE, YOU ARE NOT OF THE MAJORITY.
YEAH, RIGHT, BLAH,BLAH,BLAH AND LYNN ALSO GOT WHAT SHE WANTED, A LOAN RECISSION. AND JUST WHO ARE YOU CALLING A WINGNUT? YOU KNOW ABSOLUTELY NOTHING ABOUT ME.
TIRADES ARE A HEALTHY AND INTEGRAL PART OF A HEALTHY DEMOCRACY. I NEVER HAVE OWED ANY ALLEGIANCE TO EITHER PARTY AND I NEVER WILL.
.I HAVE THE PROOF OF THE CRIMES THEY COMMITTED AGAINST ME AND THAT PROOF DOES NOT EVEN INCLUDE ANYTHING ABOUT A SO CALLED VAPOR MONEY ARGUMENT, NOR DID I EVER SAY THAT ARGUMENT WOULD HOLD UP IN COURT.
I AM TALKING ABOUT MAKING MY PRETENDER LENDER OR MERS OR FANNIE MAE, PROVE I OWE THEM ANY MONEY IN A UNITED STATES COURT OF LAW. THEY CANNOT.
I NEVER ASKED THIS WOMAN TO WRITE A LETTER TO ANYONE STATING THAT I WOULD NEGOTIATE A DEAL WITH THE FINANCIAL TERRORISTS THAT ROBBED ME.
I WANT NO LESS THAN WHAT SHE GOT. THEY DID THE SAME THING TO ALL OF US.
WHY IS SHE ANY BETTER THAN ANY OF THE REST OF US? I FOUND ALL OF MY OWN FRAUD AND FORGERIES JUST LIKE HER AND I ALSO FOUND THIS OUT FOR MANY OTHER OF MY FAMILY AND FRIENDS.
WHO AND WHAT GIVES HER THE RIGHT TO SAY WE SHOULD OR WOULD EVER SETTLE FOR ANYTHING LESS THAN WHAT SHE GOT? THAT WOULD NOT ONLY BE COMPLETELY UNDEMOCRATIC, THAT WOULD BE CONSTITUTIONALLY WRONG.
SORRY SO CALLED FOE OF TYRANNY,, I WANT THE SAME DEAL SHE GOT AND SO DO ALL OF THE REST OF US.
The “deal” she got was merely a dismissal. She did not get her house free and clear. Perhaps you did you not understand that the dismissal of the case against her property was without prejudice? Plaintiff can file a new suit if it chooses to do so, and chances are it will do exactly that.
You used the word “proof” a number of times. I hope you share that with us. Proof is something we could all benefit from.
I fully realize that she got a dismissal I do not know if it was with or without prejudice. The point is, none of us want to pay for these homes for another 40 years. WE WANT THE PRETENDER LENDER TO PROVE THEY ARE THE PARTY IN DUE COURSE. IF THEY CANNOT, AND THEY CANNOT, BECA– USE OF THE ORIGINATION FRAUD, THEN THEY MUST RESCIND OUR FAKE MORTGAGE LOANS. IF THE HOMEOWNER VICTIM CAN PROVE THE ORIGINATION FRAUD, THAT ALONE SHOULD CA– USE AN IMMEDIATE LOAN RECISSION FOR THE DEFRAUDED HOMEOWNER. CASE DISMISSED. LET THE JUDGES FILE LAWSUITS AGAINST THE TRUSTEES OF THE FRAUDULENT MBS’s or better yet, FANNIE,FREDDIE, THE FRAUD ORIGINATORS.. WE ARE ALL BROKE DOWN HERE ON MAINSTREET AND THAT WAS ALSO INTENTIONAL.
I would gladly go on 60 minutes, Dylan Ratigan, Elliiot Spitzer, ANY DAY, ANY TIME and show them the proof that our mortgage loans never existed..
incognito, I voiced my opinion. that is all that I did. I did not like the tone of this letter. It makes all of us sound like cowards that are begging to be FINANCIALLY TERRRORIZED yet again. No one here agreed that letter was a FAIR DEAL for any of us. Who said that is what WE wanted was to establish a new 40 year mortgage debt? That is TYRANNY. I never asked for this woman to ask Sheila Baird to give me a new 40 year mortgage debt. The solution to this is for all of us to start over again while the FINANCIAL TERRORISTS get away with all of their crimes? Not buying that, now that whole idea right there is just plain wrong. Now who is the Stupendous foe calling an idiot? The whole premise of a 40 year mortgage, NOW THAT is really what is theee COMPLETE IDIOCRACY..
WE ALREADY DID DRAW OUR OWN CONCLUSIONS. WE KNOW THE MORTGAGE LOANS WERE A GIANT ILLUSION. THE ORIGINATION FRAUD PROVES IT.
I Vent, Breath………….we are all in this together here…… Breath…….relax…………
I REF– USE TO BOW TO TYRANNY.
lvent, I must agree with Mrs Doubtfire and must say, I know a lot of what you say IS correct, but when you shout and come across argumentative to the people you are trying to educate, they think you are a “wingnut” and crazy and you are not getting the desired effect of educating these people. Think about what message you are trying to get across, and how to effectively GET that message across. Try as hard as you can to reverse roles, (pretend you don’t have the knowledge that you do) and think about how you are saying things and how receptive you would be to that message. Many are not receptive to your message because of HOW you try to get your message across. Like Mrs Doubtfire said, ……….breath……….relax…………. WE are ALL in this TOGETHER.
CONTRIBUTIONS TO FORECLOSURE DEFENSE? SINCE WHEN IS THIS ABOUT THE VICTIMS MAKING MONETARY CONTRIBUTIONS? STOP TRYING TO BLAME THE VICTIMS. THIS WEBSITE IS ABOUT SHARING AND SPREADING THE TRUTH. THE ONLY THING I AM CHANNELING IS THE UGLY TRUTH. AS FAR AS I SEE IT LYNN DID A 360 AGAINST US. I AM FROM CHICAGO, I KNOW HOW ABSOLUTE POWER CORRUPTS ABSOLUTELY. I AM NOT SAYING SHE TOOK PAYOLA. I AM SAYING WHY WOULD SHE WANT ANYTHING LESS THAN SHE GOT FOR ALL OF THE REST OF US? I SMELL A RAT, AND I DON’T LIKE THE WAY THIS LETTER LOOKS OR SOUNDS. THAT IS WHAT MAKES THIS LETTER SUSPICIOUS TO ME. I HAVE SEEN THIS BEFORE WITH MANY POLITICIANS WHO WERE WITH US ONE DAY AND WITH THEM THE NEXT. PROVE MY THEORY IS WRONG. WHAT JUSTICE IS THERE FOR US IN THIS LETTER? ANOTHER 40 MORTGAGE YEAR DEBT? WTF? WHO DOES THAT HELP? SHE WANTS ALL OF US TO PAY BACK THE MONEY THEY STOLE FROM US? B-U-L-L-S-H-I-T-. IF THIS IS WHAT SHE THINKS IS JUSTICE, THEN I DON’T NEED OR WANT HER FAKE HELP.
Monetary contributions? I said nothing about monetary contributions. The short list I included of Ms. Szymoniaks contributions to foreclosure defense were all non-monetary in nature. I made no allusions to anything of a monetary nature whatsoever.
I’ve also said nothing that blames victims. Nothing.
As for you making comments regarding Ms. Szymoniak and her having “took payola” that is precisely what you insinuated in your post of 12:14 PM: “Looks like Lynn might have jumped the fence and she is now working for the enemy.”
It appears that both your reading comprehension and your memory are faulty.
You may do better following this sage advice: Better to remain silent and appear the fool, than to speak and remove all doubt.
I stated my opinion, which is not only mine, that this letter looks suspicious. All of us here have contributed information and want to help each other. Your insinuations are your own.
STUPENDOUS TYRANT, YOU ARE OBVIOUSLY DELUSIONAL AND DO NOT GET IT.
O.K., HERE IS THE POINT, NONE OF US WANT TO ESTABLISH A 40 YEAR MORTGAGE DEBT. THEY DROPPED THAT BALL A LOOOOOOOOOOONG TIME AGO. LIKE THAT BRIGHT IDEA DIED WITH THE LOAN MOD SCAM. BECA– USE OF THAT SCAM, NOW WE ALL KNOW, OUR HOMES ARE PAID FOR FREE AND CLEAR. RESCIND THE FAKE MORTGAGE LOANS. THAT IS WHAT WE WANT. THAT IS THE ONLY FAIR DEAL FOR HOMEOWNERS.
Lynn, I respect you and think your intentions are good, but I DISAGREE that those who have been fraudulently displaced from our homes just want a new mortgage with 5% down payment. You’re kidding, right? That does not sit well with me at all.
You don’t seem to realize that some of us, especially in 2007-2008 before Pres Obama and HAMP came into the picture, lost our homes through such a fast process that we didn’t even have much of a chance to buy ourselves time.
I only missed TWO MORTGAGE PAYMENTS before foreclosure papers were served on me, and those two payments were during the transition period when my loan was being sold off to yet another mortgage company– a clear violation of RESPA rules to consider someone late on their payments during this period when they don’t even know where to mail their payment to or who to send it to.
I had lived in my darling little cottage home for 14 YEARS, first renting it, then I bought it from my landlord in 1999. I refinanced in 2006 because my ARM rate was about to leap upward drastically. It was my refi mortgage company who foreclosed on me — Wilmington Finance, whose parent company at the time was AIG.
I did all my renovations with my own two hands as a single mom. I literally put blood, sweat and tears into transforming my tiny little cottage from a dump to a darling, vintage home that people used to stop and comment on how cute it was as they walked or bike by my house.
Can you imagine how much it broke my heart to lose that home when I had only been TWO MONTHS LATE on my mortgage?
So NO — I do NOT want another mortgage…I do NOT want to come up with 5% down payment just to be screwed again by an obviously flawed system. Once bitten twice shy. Fooled once, shame on them; fooled twice, shame on me. I won’t be fooled twice.
I WANT FINANCIAL COMPENSATION IN THE TOTAL AMOUNT OF MY MORTGAGE LOAN WHEN I LOST MY HOME DUE TO FRAUD ON THE COURT BY THE MORTGAGE COMPANY AND THEIR PALS AT THE FLORIDA DEFAULT LAW GROUP.
That’s it. Nothing else will suffice.
And I really believe that the only ones they’ll be able to track down to compensate will be those of us who have sent thick files of our documentation to the AG’s office and other federal agencies. They aren’t going to kindly track anyone down. We have to send them the proof and then fight for our rights.
VERY well said. Lynn is a terrific woman, and has nothing but a heart of gold, but I am not so sure about her proposal here. JA, like I said above, you MUST file a complaint on the Cullaros if they ‘notarized’ anything in your case!!!
Ivent is right. I want possession of the condos that I was ousted from. I worked hard my whole life and accumulated lots of equity in my home. These dame corrupt shysters all played their part in these foreclosure scams
From the corrupt debt collectors Mullooly, Jeffrey Rooney and Flynn, and the corrupt referee Penny Stark auctioning off my two condos to Straw buyers Fang Li and her corrupt attorneys Schwall & Becker and Corrupt Cheetah Realty when the bank never owned my properties and then Fang and Cheetah flipping their forged deeds to Frances B Turner and her corrupt attorney David K Fiveson who says he represents a title company called Coronet Title and the Marchenas with their corrupt attorney Thomas Malone of the infamous Fidelity National Title, who paid a bribe to the sleazy Judge Alice Schlesinger of New York Supreme so she would rule against the US Supreme Court Case of Elliot v. Piersol
Everyone of the above named peope should be indicted for their part in this massive foreclosure fraud.
I want possession of my properties.
The part of the equation that we all forget is that there are investors (your pension fund and mine) that were forced to purchase these MBS products to retain their standing in front of the federal regulatory agencies. The thieves not only stole our houses but they took our future and past earnings from us! Now even the least aware are looking for scapegoats, Let’s throw the carcass in front of the proper door.
What should we do next? Let’s regain the ground that our grandfathers knew so well. Teach your children not to use the banking system. Teach them to convert every medium of exchange into hard assets as soon as practical. Insist that your state legislature institute a state bank with state issued script for exchange. Insist on legislation that will insulate your state run bank from outside short selling attacks.
Read the recent history of the Mexican peso and equate that with what is going on here today.
Force your state to remain outside of the IMF/FED letter agencies control. The Federal government has to limit it’s control of our activities to areas of interstate commerce. State issued script does not have to travel across state boarders. It can be printed to have no value outside of the originating state.
The banker worst fear is that which precipitated the revolutionary war. The colonists printed their own script and therefore had a great commerce until the bankers of Europe forced King George to outlaw scrip. It was the ensuing recession and high unemployment that gave foothold to the revolution.
Above all (read) the Dodd-Frank give away bill recently passed!
What does Lynn mean when she says the wrath of Deutsch Bank and AHM came down on her? I know her case was dismissed but what else happened that she doesn’t detail in
the letter?
I wondered the same question, maybe they came back?
All of you out there remember jeff- fox-worthy
Well what do you all think about getting a little foxy with the banksters ?
lets just say to them SHOW ME THE MONEY
THEY ARE ALWAYS ADDVERTISING THAT THEY LOAN MONEY and when they can’t SHOW YOU THE MONEY they are going to loan you then you can take action agianst them for fales addvertising !!
I say put you time here in finding simple solutions and not get into arguing the faudulent details we all know we have been screwed
So lets collectively un-screw ourselves
You have to know that if you ever owned the home they could never have foreclosed ownership = 0 payments
secondly bank re-form would mean actualy getting a loan what banks do now is not loaning money they are simply
Trickstures, scammers , brokers only pretending to loan money it is against the banks own chartter to lend money
Hey you know what they say about BROKERS DON’T YOU?
They say brokers make you BROKER
There is only one thing i can say they the banksthe people that own them are war mongers
I would like to see somembody from the banks make a simple agreement/con-tract (as in the pro’s and the con’s) that is not as thick as a brick
Is writen in simple easy to understand language made just for the cos-tumer where anybody can under-stand/stand -under
Is no more than five 5 pages where somebody named WELLS FARGO or B OF A and so on or even somebody with lawful power of ATTORNEY from the bank WELLS FARGO or B OF A and so on is willing to risk signing their name to the areeement/con-tract
Handing the money over to the man or the woman that is now only puportedly getting a loan
So they can by the home and write the check or hand cash to whom ever they wish to buy a home from !!
Now thats what i would call a real change in the banking industry KEEP IT SIMPLE SILLY
HERE IS ANOTHER CLIP TO HELP you may have to cut and paste
http://www.realecontv.com/page/1476.html
‘Ivent’ HIT THE NAIL ON THE HEAD! There is NO MORTGAGE, or REAL ENCUMBERANCE. So, it should be unenforceable, or void.
Challenge everything. Good luck to all.
Thank You Mad as hell in Maryland. Here is an interesting link all should read. Proof this is all a diabolical Scheme that has been decades in the making. My dad told me this whole scheme really got rolling after they assassinated J.F.K. Here is the link, you decide: http://www.theforbiddenknowledge.com/hardtruth/jesuit_world_control.htm
FUGGETABOUT THE LETTER, SEND THE ABOVE POSTED LINK IN A NOTE, TO SHEILA, CONGRESS AND THE OBAMA ADMINISTRATION. WITH AN ALLONGE TO THE NOTE, THAT CLEARLY SLTATES, WE THE PEOPLE OF THE UNITED STATES OF AMERICA WILL HAVE NO NEW WORLD ORDER TYRANNY IN AMERICA AND WE WANT OUT OF THE UN/NEW WORLD ORDER, WE WANT THEM ALL OUT OF AMERICA INCLUDING DAVID ROCKEFELLER THAT SCUMBAG, ELITEIST TREASONIST PIECE OF SHIT WHO WAS NO DOUBT BEHIND THE CREATION OF THE DIABOLICAL PONZI SCHEME HEIST DEVISED IN THE BACKROOMS OF CONGRESS. WE THE PEOPLE ALL HOPE ALL OF THESE DIABOLICAL MANIACS BURN IN HELL ALONG WITH THEIR FAKE MBS, FOR ALL OF ETERNITY. GOD BLESS AMERICA UNDER THE U.S. CONSTITUTION AND THE U.S. BILL OF RIGHTS, LET FREEDOM RING!!!.
Why should WE THE VICTIMS have to pay for a house FOR ANOTHER 40 YEARS that the criminals not only made trillions off of in the PONZI SCHEME ON WALL STREET, BUT THE SAME CRIMINALS GOT PAID 3 TO 4 TIMES FOR THESE HOMES ALREADY. WE THE PEOPLE WHO WERE DEFRAUDED AND ROBBED OF ALL OF OUR WEALTH, WE SHOULD START OVER? HA!! THE MORTGAGE LOANS NEVER EVEN EXISTED. THEY WERE ALL FRAUDULENTLY INDUCED TO A MAKE US” THINK” WE OWED A MORTGAGE SO THEY COULD PARTICIPATE IN THEIR CYPBERSPACE COUNTERFEIT SECURITIES FRAUD SCHEME OF THE CENTURY UP ON FRAUDULENT WALL STREET.. THE PROOF IS IN THE ORIGINATION FRAUD. SORRY LYNN, YOU GOT YOUR HO– USE BACK FREE AND CLEAR.. WHY SHOULDNT WE GET THAT PLUS MONETARY COMPENSATION. I DO NOT BELIEVE THAT LETTER EXPRESSES THE VIEWS OF MILLIONS OF DEFRAUDED HOMEOWNERS. RESCIND OUR FAKE MORTGAGE LOANS , WE HAVE THE PROOF THAT THEY NEVER EXISTED AND WE WERE ROBBED..
This letter not only greatly dissapoints me but makes me really pissed off. Why doesn’t Lynn go back on 60 minutes and show how the crooks DEFRAUDED THE AMERICAN HOMEOWNERS IN THE BIGGEST CYBER COUNTERFEIT SECURITIES FRAUD PONZI SCHEME SCAM IN HISTORY? Was Lynn PAID OFF SO SHE COULD GET HER HO– USE FOR FREE? This looks like some kind of a scheme, aset up. Who AGREED this is what the HOMEOWNERS WANTED? Looks like Lynn might have jumped the fence and she is now working for the enemy. That makes me sick. It really makes me want to hurl.
RESCIND THAT LETTER. THAT IS ANOTHER BIG LIE, THAT IS NOT WHAT THE VICITMIZED HOMEOWNERS WANT. WE THE PEOPLE WANT FULL LOAN RECISSION FOR THE ALL OF THE FAKERY. THOSE MORTGAGE LOANS NEVER EXISTED, IT WAS ALL A SCAM, A CYBERSPACE, COUNTERFEIT SECURITIES FRAUD PONZI SCHEME/SCAM TO BE EXACT.THE PROOF IS IN THE ORIGINATION FRAUD. WE THE PEOPLE DO NOT WANT A NEW MORTGAGE DEBT IMPOSTION. THAT IS NOT WHAT LYNN GOT. RESCIND OUR FAKE MORTGAGE LOANS.THEY NEVER EXISTED.
This is truly difficult to understand: How can the banksters who don’t hold the mortgage note be allowed to destroy a homeowner’s credit rating, and get away with it? The credit bureaus should not be allowed to record the dIscrepancies. My foreclosure suit was vacated by the judge, but my credit score, based on the bogus fraud foreclosure lawsuit from the bankster that “lost the note” (never had the note) remains diminished after the foreclosure was vacated. NOT FAIR. PLUS, the court ordered mediation, but no mediation has been scheduled yet.
Its a good start. I believe that those Banks caught with fraudulent, forged, or otherwise created documents, or, whom cannot prove actual proper ownership, should LOSE ANY AND ALL RIGHTS TO SAID NOTE. If you or I did that, we would never be able to negotiate such an instrument. (And would most likely be put in jail as a result of the attempt).
If someone attempted to negotiate reposession on an automobile, with a photocopy of the title and lien, (which is what this is likened to) would not be able to obtain clear title to that automobile.
If someone attempted to cash (or negotiate) a PHOTOCOPY of a 3RD PARTY Check, they would NEVER be allowed to do so. (And may end up in a courtroom to boot.)
The banks should lose. ANYTHING ELSE IS RIDICULOUS!
Challenge everything. They can’t back it up. GOOD LUCK TO ALL!
Great thought and thank you for your help and concerns for all of us.
I don’t want to do business with them again and will leave my fate and what they should do and pay me to a jury of my peers.
I don’t want a settlement that these crooks would offer.
my mortgage contract states NON JURY TRIAL-so I have no peers !
Even if you are not a Florida Resident you should see this wonderful new farce of helping !
It may be coming to your State soon, if not already.
Please visit flshardesthit.org or flshardesthithelp.org.
There is a new program being offered to Florida Foreclosure/underemployed or unemployed “victims”.
They activated the website TODAY APRIL 18th for signing up- if you qualify…
One of the requirements is you have a bank account for electronic transfers !
They want your Bank account numbers to supposedly DEPOSIT to YOUR ACCOUNT !
Ha that way they can also automatically take what ever funds you may have !! NO WAY !
This is the program they tested in Lee County.
I do not want to sign up-I do not trust this program, just like H.O.P.E, HAMP-all of them to trick
homeowners into signing their lives away.
Florida Governor Rick Scott has determined there was too much $ dedicated to this fund
and greatly reduced compensation.
Between AG Pam Bondi and Gov. Scott-there will be no help for Floridians.
They are all “PRO BUSINESS”, more concerned about getting “bath salts” and pill mills off the streets.
Gov. Scott owns Solantic Pharma-surely he does not want the PILL MILLS to be out of biz, it will hurt his profits, so that is another dog ‘n pony show.
Most recent email NEWSLETTER released from AG BONDI, what a joke-“Illegal Bath Salts”, does not even mention this program or any foreclosure news stats………..
Don’t sign UP
Do NOT trust the banks
they are not in your corner
Nor is the U.S. GOVERNMENT PROTECTING THE RIGHTS OF ITS CITIZENS UNDER THE U.S. CONSTITUTION OR THE U.S. BILL OF RIGHTS.
ah yes, Gov.
Rick Scott..
the guy who committed healtcare fraud but somehow got elected as governor of florida:
http://crooksandliars.com/susie-madrak/once-forced-resign-massive-fraud-case
he trying to close down publicly funded mental healthcare facilities.
i can only assume he wants to privatize healthcare so he can get back in the game.
what the hell is going on in florida? rocket docket judges, f/c mills.
the people of florida deserve better from their elected officials.
such a beautiful state with the most disgusting fraud.
rick scott and pam bondi, i am looking at you!
Lynn You Just Nailed this one right on the spot where it hurts the most
Here’s
From 814 Credit for over 26 years
of hard work
with 150.000 dollars saved
throughout the years
with a BANK Job
& qualified 3 times over for a loan
TO NOTHING and to live in THE DUMPS .!
Our Enemies abroad are just sitting there laughing at These United States.
Nick,you are 100% right, the MULTINATIONAL FOREIGN INTEREST hiding behind the scenes are making a complete laughing stock of THE UNITED STATES OF AMERICA. THEY ARE TRYING TO MAKE A SHAM OF OUR DEMOCRACY. WE OWE NO ALLEGIANCE TO THEM, THE FOREIGN CROOKS THAT ROBBED US OR THE TREASONISTS WITHIN OUR OWN NATION THAT ALLOWED THEM TO ROB US. THEY ARE THE BIGGEST THREAT TO OUR NATIONAL SECURITY AND OUR NATIONAL SOVERIENTY. NATIONAL SOVEREIGNTY WILL PREVAIL UNDER OUR U.S. CONSTITUTION. .
Where is the FBI, THe IRS, THe attorney General???\
If it was you or I comitting a crime they would be all over us…..Shame on the U.S> Government.
YES, SHAME ON OUR OWN U.S. GOVERNMENT FOR NOT PROTECTING ITS CITIZENS UNDER THE U.S. CONSTITUTION AND THE U.S. BILL OF RIGHTS!!!
40% vacancy rate? when we get to 50% then we talking. Thank god for lynn
I agree with the letter except I think that the banks should write down a substantial portion of the mortagage principal. Why should we pay for something the banksters don’t own?
Where are the indictments against the pretender lenders and the robo lawyers, like David J. Stern?
They will NEVER get STERN he knows too much
he had the two giants in his pocket Fannie and Freddie
STERN should be water boarded maybe then he will start confessing
ALL of you that has commented GO TO WASHINGTON and sit on the
FRONT lawn all these comments MEAN nothing without ACTION
you guys were the victims now be the leaders WALK THE TALK