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	Comments on: Presentation &#124; The End of Illegal Foreclosures in Pennsylvania &#8211; How To Defeat Foreclosures In PA And Get Back What’s Been Stolen	</title>
	<atom:link href="https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/feed/" rel="self" type="application/rss+xml" />
	<link>https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/</link>
	<description>- Fighting Foreclosure Fraud BY SHARING THE KNOWLEDGE</description>
	<lastBuildDate>Mon, 27 Jan 2014 13:04:37 +0000</lastBuildDate>
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		<title>
		By: Annette Oakley		</title>
		<link>https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/#comment-433978</link>

		<dc:creator><![CDATA[Annette Oakley]]></dc:creator>
		<pubDate>Mon, 27 Jan 2014 13:04:37 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=48912#comment-433978</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/#comment-389532&quot;&gt;papergate&lt;/a&gt;.

Vukman reversed by the PA Supreme Court in September, 2013]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/#comment-389532">papergate</a>.</p>
<p>Vukman reversed by the PA Supreme Court in September, 2013</p>
]]></content:encoded>
		
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		<title>
		By: Rita Cheche		</title>
		<link>https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/#comment-390829</link>

		<dc:creator><![CDATA[Rita Cheche]]></dc:creator>
		<pubDate>Wed, 11 Jul 2012 06:01:39 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=48912#comment-390829</guid>

					<description><![CDATA[I&#039;m one of the very few, if not the only homeowner from Virginia Beach, VA that was 
able to get Wachovia/Welis Fargo into the U. S. District Court, for TILA, RESPA, 
Rescission, having a sell-out for an attorney, (go figure) ... She &quot;missed&quot; the email, 
several days earlier, concerning a Pre-Trial date, when all 3 defendants were lying to 
the Court, getting themselves, damages, and attorney&#039;s fees dismissed. She was 
able to amend &quot;her&quot; case; as I was never consulted on anything she filed on my 
behalf, until weeks later. I disputed every careless step she took; in writing, faxes, 
phone messages, and over the phone. She missed every appt. we had, even &quot;phone 
appts.&quot;, for approx 2 yrs.; except my 7 hour deposition, (that&#039;s Wachovia deposing 
me ... ); which she/they scheduled the same morning as a &quot;Surprise Appraisal&quot; on my 
home! She withheld evidence from both me and the Court, being hundreds of pages with 
thousands of entries of the &quot;ACTIVITY NOTES&quot;, which show sooo many unlawful 
acts ... even stating, &quot;information from the Originator state Rita Cheche, may have 
made a timely rescission ... &quot;, they follow by making the excuse, &quot;she made payments 
after canceling&quot;, My attorney did not make a peep at the Trial, but her fingernails 
were clean, I know, I watched her, as I looked to her to speak up about at least 50 
OTHER ISSUES! 

There has never been a Clear Title on my property, having at least 1 mechanic&#039;s lien 
from &quot;1996&quot; on the guy I bought the property from in &quot;2004&quot;. Of course I&#039;ve been 
charged thousands, within the 2 yr. period of time Wachovia &quot;Flipped&quot; my loans, at 
least 2 of the 4 loans. I bought the property and paid out-of-pocket, (NO 
ADDITIONAL LOANS WHAT-SO-EVER ON THIS PROPERTY) spending $700K to 
build a 4,000 sq. ft. 2-story Custom Home, taking the property value from $235K in 
&quot;2004&quot;, to the $817K. I have never received or had paid on my behalf, a single penny 
from Wachovia, they stole everything, so besides not receiving ANY MONEY from my 
out-of-pocket money, as I furnished materials and labor, building with my Partner and 
my Step-Dad, they stole the equity and it&#039;s upside down $400K. 
THEY CONTINUED TO EMBEZZLE MONEY &quot;UNDERWRITING AND ORIGINATING 
MY CANCELLED LOAN, WEEKS AFTER, there are over 14 Different Dates in the 
Closing Docs., NO HUD at the Closing, they made one up 8 days AFTER THE 
CLOSING, having different amounts, such as, &quot;Line 1303. Estimated taxes 
$3,500.00&quot; ADDED, OF COURSE NEVER PAID, I have the proof in black and white, 
&quot;mysteriously receiving 84 pages of the inter-office emails and processing 
documents, approx. 3 years after Closing, from the &quot;Servicer&quot;, who Wachovia 
replaced with Wells Fargo ... 
I HAD DRAWN-UP MY OWN 3-DAY CANCELLATION NOTICES, MISSING FROM 
1ST CLOSING PACKAGE, I RECEIVED A 2ND SET OF DIFFERENT CLOSING 
DOCUMENTS approx. 3 MONTHS LATER, I HAVE ALL THOSE UNSIGNED 
ORIGINALS ALSO; WHICH THEY FORGED ... I WANT TO GET MY ORIGINAL 
DOCS.&quot;PAPER&quot; DATE TESTED FOR ADDITIONAL EVIDENCE AGAINST 
FORGERS; I FAXED, CONFIRMED RECEIPT BY MY LOAN OFFICER, Catherine 
Freeland AND HER BOSS, Hugh Beatie &#038; MAILED AN Executed ORIGINAL THE 
DAY AFTER CLOSING. THEN, 8 DAYS AFTER CLOSING DATE, THEY REDUCED 
THE APPRAISAL FROM $817k TO $765K, STEALING AN ADDITIONAL 
$52,000.00 OF MY EQUITY, COINCIDENTALLY THE TOTAL AMOUNT THAT I WAS 
CHARGED FOR, THIS &quot;FLIPPED&quot;, &quot;UNJUST ENRICHMENT LOAN&quot;, IS                                        $52,500.00!!! NEVER PAYING A PENNY TO ME, OR FOR ME, CHARGING A 
HIGHER MONTHLY MORTGAGE PAYMENT, A PRE-PAYMENT PENALTY AND 
ADDED 10 YEARS TO MY LOAN. INTENSIONALLY, DECEPTIVELY RUINING MY 
CREDIT, WHICH CA-- USED THE LOSS OF MY BUSINESS, started in &quot;1986&quot;, 
STEALING MY REAL ESTATE PROPERTIES &#038; FINANCIAL INVESTMENTS,                                        MY SON&#039;S EDUCATION, OUR Livelihood AND MY RETIREMENT.                                                            
PLEASE, DO THIS, Send your lender a &quot;Qualified Written Request&quot;, TELL them you 
are requesting your &quot;Activity Notes&quot;, tell them to include the beginning date of your 
loan, your &quot;Closing Date&quot; to Present. All lenders have them, (this is what they pass 
around when the &quot;sell us&quot; to each other), this contains the &quot;daily&quot; activity they do on 
your loan. Also, request their &quot;Phone Logs&quot; mine are called &quot;Consolidated Phone 
Logs&quot;, they have to write down every time you call them, and they call you, what was 
said etc. You may be surprised to see what you find out, like me; Wachovia did not 
get their &quot;Robo-Signer&quot;, famous, &quot;Topeka Love&quot; to sign their &quot;Assignment&quot; until 2 years                        AFTER Closing,They documented &quot;can not clear the Title&quot; &#038; &quot;Foreclosure will provide us a Clear Title...&quot;, &quot;Profit in property $433,000.00&quot;. I could go on &#038; on ... 
I am representing myself, &quot;Pro-Se&quot; in the United States Appellate Court, Fourth 
District. I have sent my &quot;INFORMAL BRIEF&quot;, and am awaiting their decision. IF 
ANYONE CAN HELP, PLEASE CALL ME 24/7 @ 757-427-0075. 
IF YOU NEED &quot;A FRIEND&quot;, as I am only a fighting homeowner, not an attorney, Call 
me, Rita Cheche, 757-427-0075, 24/7, please leave a message, I might be at the 
Court House, LOL]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m one of the very few, if not the only homeowner from Virginia Beach, VA that was<br />
able to get Wachovia/Welis Fargo into the U. S. District Court, for TILA, RESPA,<br />
Rescission, having a sell-out for an attorney, (go figure) &#8230; She &#8220;missed&#8221; the email,<br />
several days earlier, concerning a Pre-Trial date, when all 3 defendants were lying to<br />
the Court, getting themselves, damages, and attorney&#8217;s fees dismissed. She was<br />
able to amend &#8220;her&#8221; case; as I was never consulted on anything she filed on my<br />
behalf, until weeks later. I disputed every careless step she took; in writing, faxes,<br />
phone messages, and over the phone. She missed every appt. we had, even &#8220;phone<br />
appts.&#8221;, for approx 2 yrs.; except my 7 hour deposition, (that&#8217;s Wachovia deposing<br />
me &#8230; ); which she/they scheduled the same morning as a &#8220;Surprise Appraisal&#8221; on my<br />
home! She withheld evidence from both me and the Court, being hundreds of pages with<br />
thousands of entries of the &#8220;ACTIVITY NOTES&#8221;, which show sooo many unlawful<br />
acts &#8230; even stating, &#8220;information from the Originator state Rita Cheche, may have<br />
made a timely rescission &#8230; &#8220;, they follow by making the excuse, &#8220;she made payments<br />
after canceling&#8221;, My attorney did not make a peep at the Trial, but her fingernails<br />
were clean, I know, I watched her, as I looked to her to speak up about at least 50<br />
OTHER ISSUES! </p>
<p>There has never been a Clear Title on my property, having at least 1 mechanic&#8217;s lien<br />
from &#8220;1996&#8221; on the guy I bought the property from in &#8220;2004&#8221;. Of course I&#8217;ve been<br />
charged thousands, within the 2 yr. period of time Wachovia &#8220;Flipped&#8221; my loans, at<br />
least 2 of the 4 loans. I bought the property and paid out-of-pocket, (NO<br />
ADDITIONAL LOANS WHAT-SO-EVER ON THIS PROPERTY) spending $700K to<br />
build a 4,000 sq. ft. 2-story Custom Home, taking the property value from $235K in<br />
&#8220;2004&#8221;, to the $817K. I have never received or had paid on my behalf, a single penny<br />
from Wachovia, they stole everything, so besides not receiving ANY MONEY from my<br />
out-of-pocket money, as I furnished materials and labor, building with my Partner and<br />
my Step-Dad, they stole the equity and it&#8217;s upside down $400K.<br />
THEY CONTINUED TO EMBEZZLE MONEY &#8220;UNDERWRITING AND ORIGINATING<br />
MY CANCELLED LOAN, WEEKS AFTER, there are over 14 Different Dates in the<br />
Closing Docs., NO HUD at the Closing, they made one up 8 days AFTER THE<br />
CLOSING, having different amounts, such as, &#8220;Line 1303. Estimated taxes<br />
$3,500.00&#8221; ADDED, OF COURSE NEVER PAID, I have the proof in black and white,<br />
&#8220;mysteriously receiving 84 pages of the inter-office emails and processing<br />
documents, approx. 3 years after Closing, from the &#8220;Servicer&#8221;, who Wachovia<br />
replaced with Wells Fargo &#8230;<br />
I HAD DRAWN-UP MY OWN 3-DAY CANCELLATION NOTICES, MISSING FROM<br />
1ST CLOSING PACKAGE, I RECEIVED A 2ND SET OF DIFFERENT CLOSING<br />
DOCUMENTS approx. 3 MONTHS LATER, I HAVE ALL THOSE UNSIGNED<br />
ORIGINALS ALSO; WHICH THEY FORGED &#8230; I WANT TO GET MY ORIGINAL<br />
DOCS.&#8221;PAPER&#8221; DATE TESTED FOR ADDITIONAL EVIDENCE AGAINST<br />
FORGERS; I FAXED, CONFIRMED RECEIPT BY MY LOAN OFFICER, Catherine<br />
Freeland AND HER BOSS, Hugh Beatie &amp; MAILED AN Executed ORIGINAL THE<br />
DAY AFTER CLOSING. THEN, 8 DAYS AFTER CLOSING DATE, THEY REDUCED<br />
THE APPRAISAL FROM $817k TO $765K, STEALING AN ADDITIONAL<br />
$52,000.00 OF MY EQUITY, COINCIDENTALLY THE TOTAL AMOUNT THAT I WAS<br />
CHARGED FOR, THIS &#8220;FLIPPED&#8221;, &#8220;UNJUST ENRICHMENT LOAN&#8221;, IS                                        $52,500.00!!! NEVER PAYING A PENNY TO ME, OR FOR ME, CHARGING A<br />
HIGHER MONTHLY MORTGAGE PAYMENT, A PRE-PAYMENT PENALTY AND<br />
ADDED 10 YEARS TO MY LOAN. INTENSIONALLY, DECEPTIVELY RUINING MY<br />
CREDIT, WHICH CA&#8211; USED THE LOSS OF MY BUSINESS, started in &#8220;1986&#8221;,<br />
STEALING MY REAL ESTATE PROPERTIES &amp; FINANCIAL INVESTMENTS,                                        MY SON&#8217;S EDUCATION, OUR Livelihood AND MY RETIREMENT.<br />
PLEASE, DO THIS, Send your lender a &#8220;Qualified Written Request&#8221;, TELL them you<br />
are requesting your &#8220;Activity Notes&#8221;, tell them to include the beginning date of your<br />
loan, your &#8220;Closing Date&#8221; to Present. All lenders have them, (this is what they pass<br />
around when the &#8220;sell us&#8221; to each other), this contains the &#8220;daily&#8221; activity they do on<br />
your loan. Also, request their &#8220;Phone Logs&#8221; mine are called &#8220;Consolidated Phone<br />
Logs&#8221;, they have to write down every time you call them, and they call you, what was<br />
said etc. You may be surprised to see what you find out, like me; Wachovia did not<br />
get their &#8220;Robo-Signer&#8221;, famous, &#8220;Topeka Love&#8221; to sign their &#8220;Assignment&#8221; until 2 years                        AFTER Closing,They documented &#8220;can not clear the Title&#8221; &amp; &#8220;Foreclosure will provide us a Clear Title&#8230;&#8221;, &#8220;Profit in property $433,000.00&#8221;. I could go on &amp; on &#8230;<br />
I am representing myself, &#8220;Pro-Se&#8221; in the United States Appellate Court, Fourth<br />
District. I have sent my &#8220;INFORMAL BRIEF&#8221;, and am awaiting their decision. IF<br />
ANYONE CAN HELP, PLEASE CALL ME 24/7 @ 757-427-0075.<br />
IF YOU NEED &#8220;A FRIEND&#8221;, as I am only a fighting homeowner, not an attorney, Call<br />
me, Rita Cheche, 757-427-0075, 24/7, please leave a message, I might be at the<br />
Court House, LOL</p>
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		<title>
		By: Patrick		</title>
		<link>https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/#comment-390026</link>

		<dc:creator><![CDATA[Patrick]]></dc:creator>
		<pubDate>Sun, 08 Jul 2012 17:18:11 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=48912#comment-390026</guid>

					<description><![CDATA[This paper discusses a Pennsylvania state law.]]></description>
			<content:encoded><![CDATA[<p>This paper discusses a Pennsylvania state law.</p>
]]></content:encoded>
		
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		<title>
		By: Rodolfo		</title>
		<link>https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/#comment-389794</link>

		<dc:creator><![CDATA[Rodolfo]]></dc:creator>
		<pubDate>Sat, 07 Jul 2012 21:30:19 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=48912#comment-389794</guid>

					<description><![CDATA[Do u know the rule in ca?

Or is the rule federal?]]></description>
			<content:encoded><![CDATA[<p>Do u know the rule in ca?</p>
<p>Or is the rule federal?</p>
]]></content:encoded>
		
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		<item>
		<title>
		By: papergate		</title>
		<link>https://4closurefraud.org/2012/07/06/presentation-the-end-of-illegal-foreclosures-in-pennsylvania-how-to-defeat-foreclosures-in-pa-and-get-back-whats-been-stolen/#comment-389532</link>

		<dc:creator><![CDATA[papergate]]></dc:creator>
		<pubDate>Sat, 07 Jul 2012 01:11:18 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=48912#comment-389532</guid>

					<description><![CDATA[Good work Patrick - also check out Beneficial v. Vukman - throws the Act 91 Notices out as well . . . Beneficial Consumer Discount Co. v Vukmam, No. 259 WDA 2011, 2012 WL 258674 Pa.Super.Ct. (2012) thanks for your hard work and will check out your other &#039;matter&#039;!!]]></description>
			<content:encoded><![CDATA[<p>Good work Patrick &#8211; also check out Beneficial v. Vukman &#8211; throws the Act 91 Notices out as well . . . Beneficial Consumer Discount Co. v Vukmam, No. 259 WDA 2011, 2012 WL 258674 Pa.Super.Ct. (2012) thanks for your hard work and will check out your other &#8216;matter&#8217;!!</p>
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