That was 30 days after contacting NCM, the 90 day FHA rule for them to wait. They did not, the next month the firm was asking for $16,000 to get the mortgage current. I filed in 3rd District Court as Pro Se in 2004, as like many, no help was out there. I got my Notice to quit in 2004 made out to John Doe and signed by what I now believe was a robosigner. AIG and MGIC also sent letters asking me to pay THEM for the loss they may incurr for the forecloser. Two PMIs were both asking me to repay them ahead of time for losses not yet suffered, and illegal for them to ask me for money.

The Judge ignored evidence, when three of the lawyers perjured themselves in court, the Judge looked the other way. I made Motions that the Judge was unable to handle the case and to recuse himself, he refused. The two PMI lawyers claimed they did not know about the other PMIs involvement. I filed Bankruptcy to create a temporary stay, the Federal Bankruptcy judge gave away my title to NCM before she cleared the bankruptcy was valid, but she asked Lundberg to make sure 3rd District Court to do the same, when I reminded her that I could be awarded damages.

Utah 3rd District court Judge Fredericks agreed to the title release to NCM, where the house was not under water, and increased in value from $110k to $180K when it was sold/refinanced for a fifth time in 2010.

I pay more in rent for a house than my mortgage cost me. I had a job at the U of U, it did not matter to these clowns. I was ordered to vacate in jan 25th 2005.

I spoke to a lawyer and he said records are often messy with many banks. Looking at this carefully concieved plot since 1999, I think the banks overseas and in America, knew EXACTLY what they were doing.

The purpose of hiding my checks was to show a default, accelerate, foreclose and demand real money for the banks fake money lent.

A mortgage contract predicated on 90 or 95% of bank credit and only 5 or 10 % of real money is “ultra vires”
illegal.

The only way out of this mess and to restore integrity to our country’s land records is resind the mortgage contracts founded on this fake money scheme and restore the true owners to their properties.

As for those who put money into forged deeds, their title insurers knowingly insured forged deeds and the title insurers must be made to indemnify those people

I think a person for the US government to go after would be William P Foley CEO of Fidelity National Title former chair of LPS dOCX. He knows the inner workings of everything fake that was bestowed upon this nation to destroy our US Constitution.

Every mortgage banker had to apply to be Direct Endorsement and I am sure they did. Brokers were not allowed to be Direct Endorsement. Consequently all mortgage brokers had to submit to a mortgage banker for underwriting and loan approval. That is why a broker claimed to be able to ‘shop’ a loan. They had lists of bankers and rates they were charging and really it was like shopping. They went to the banker that charged the least, that is how it was supposed to work anyway. I rather doubt that was how it ended up.

i don’t know how much changed after I left but I do know that Loan Officers (who were commission sales people and were not Loan Processors and did not know FHA guidelines) became very powerful in the industry. This was due to the fact that they originated the loans. Management stood behind the L.O.’s and started to treat the Processors as second class citizens, applauding the handing of fraudulent papers, ie: gift letters, etc. I was beginning to see the fraud being done by Loan Officers when I left. Loan Officers pulling rank on Processors and Underwriters with the companies approval. The Loan Officers did not care about the borrowers, they cared about their commission. As a salaried employee I cared deeply about my borrowers. I took pride in my work and as the L.O. provided the docs to the Processor it was easy for them to alter the information. I had L.O.’s checking the bank accounts of borrowers prior to closing to see how much they had in the bank so they could charge the borrower in the end for their overage and commission. The L.O. certainly didn’t care if the loan was foreclosed on. The companies I worked for didn’t want their loans in foreclosure, we weren’t in the real estate business in the olden days. A foreclosure was a mark against your company and the quality of your procedures and personnel.

Duetsche Bank is just the beginning. Every lender will have to have their FHA files pulled and audited. I am happy to see the Mortgage Insurance Premium (MIP) addressed. FHA loans were the norm when I left, they were for the ‘first time homebuyer”. All this subprime mess happened when they threw all the FHA buyers into their Conventional programs and called them prime. Conventional loans also had insurance, it was called PMI, Private Mortgage insurance, and was required on any loan with more than 80% Loan to Value. Few buyers could afford 20% down so had to pay for PMI. The lender then got real creative and figured out a way around that one by giving the buyer an 80% first mortgage and a 20% second thus eliminating the need for PMI. The borrower ended up with a 100% loan…go figure..better than an FHA loan with it’s 3% down and MIP.

This case just adds fuel to the fire. This demands that a National Moratorium on all foreclosures be called for immediately. I am sure the ‘VA’ loans are having the same problem. The difference being that VA ‘guaranteed’ the loans and didn’t charge an insurance premium, though that may have changed since I left too. The VA guaranteed that the service member would pay the loan because they had served our country and were a good risk. How much was that program abused by the banks… I wonder.

Or should I say fuc—- surreal.

Once again there are no individuals, that’s NOBODY BEING CHARGED, and then watch the several billion dollar settlement, amounting to a slap on the wrist……………and on we go to more netherworld mortgage foreclosure. For me, this is getting pretty surrealistic!

Heil deutsche bank! May all of the banksters hang!

And excrement!