Comments on: “If You Don’t Have The Documents, Perhaps You Just Don’t Have The Right To Foreclose”

By: concerned21

concerned21 — Sun, 30 Mar 2014 04:37:22 +0000

What about a homeowner like us that never missed a payment and always paid extra to go towards the principal? Our home of 23 years was paid off and the servicer for Freddie Mac didn’t credit over 90,000 in payments. This is just the 1st of the situations that have ruined our lives. These corrupt Judges should be exposed and put in jail along with the unethical banks.

By: Mike Drouin

Mike Drouin — Fri, 28 Mar 2014 11:41:09 +0000

In reply to mtnwise.

I feel your pain mtnwise. My case against Wells Fargo is the Foreclosure / Fraud manual put in action . Here is my case # 1:11-CV-00596-JL US District Court District of NH .What these bastard Banksters did was to create vehicles of liability in which they used to property launder billions of dollars in Mortgages and scam the insurance companies . You see they get paid default insurance on your Mortgage then take your home and resell it … the insurance money is sent to off shore accounts as they claim a loss and this administration threw them TARP money . Where not in Kansas any more Toto and the American Dream has been compromised .
Let me put it this way …. In an act of Mortgage piracy the Large Banks property laundered billions of dollars worth of Mortgages , scammed the default insurance companies and received a tax exempt status while committing Crimes against American Families then they bought off all the Justice Departments with a twenty five billion dollar settlement to stand down . Your constitutional rights have been violated while the our political leaders who have taken an oath to protect those rights allow it to happen for the sake of economic stability .
The proof is in the results !!!

By: mtnwise

mtnwise — Sun, 23 Mar 2014 17:27:11 +0000

While I hear much about those who quit paying their mortgage, I’m hearing little from those like me who WERE making their modified payments (for a year on their “90 trial” period), & the bank began refusing my money & foreclosed! Yes. They sent my last pymt back & refused more, foreclosing instead.
Then they said they foreclosed because I quit paying, & the courts accepted that, of course.
My home of 20 years was in a non judicial state, & I never even got a day in court, as the judge “struck” my Ruling 120 Response. (Attorneys who have looked at my court papers said I should have gotten a hearing).
Sadly, those of us who lost everything of a lifetime (I’m in my 60’s) can’t afford an attorney.
I’d stupidly thought at one time my government would help me, & had begun filing complaints with the OCC, my Atty Gen’s Ofc, FDIC, HUD, my State Rep, etc., years ago.
Each told me I needed to hire a lawyer, as they didn’t have the resources for individual cases.
This was despite the fact Chase Bank even sent them the partial statement of my payments (if you can decipher it. I can’t), something I’d been trying to acquire for years, saying that “due to their record retention policies”, that’s all they had.
Every branch of my govt I contacted told me the same thing: Hire a lawyer.
With what? None will take on contingency.
Meanwhile, the statute of limitations is getting closer to running out in my case.
Even worse, folks are continuing to lose their homes in this PONZI scheme, & some of those very homes have been paid off for years & have no mortgage!
Yet those folks, too, must hire a lawyer to defend themselves, since the courts side with the banks.
Completely absurd!
This is not the America I grew up in…..

By: Ace

Ace — Thu, 20 Mar 2014 18:15:16 +0000

In reply to talktotennessee.

On Point TalkToTN…
The Money MEN rule the roost…Sadly
Roma revisted anyone?

By: Alabama John

Alabama John — Thu, 20 Mar 2014 14:34:12 +0000

There is a big difference in how judges see this when you quit paying because the one claiming you owe them cannot or will not produce the proof you asked for in advance or you will stop paying until they can come up with it, or, when you quit paying because you cannot pay.

They see one as a person demanding what the law requires and the other as one losing their home due to circumstances beyond their or any mortgage companies control so must move out like folks in the past have had to do for hundreds of years, sad as it is.

By: talktotennessee

talktotennessee — Thu, 20 Mar 2014 04:37:41 +0000

This what I mean in claiming that we have lost the Courts to the wealthy. Many of the judges were appointed or elected through Republican support. This is how they gain power to deny you your day in court. There is an old saying, “First kill all the lawyers!” It doesn’t mean what you think. The meaning is when you have destroyed legal access to the courts or representation, you have lost your voice in the legal system and in turn your civil rights.. We see it now in our legal system that is in name only where public defenders work for the system not for the individual, pleading out even the innocent. We find no lawyer to represent our cause because we have no money to retain representation. It is the same in the mortgage mess. If you signed a mortgage or note, it matters not if the bank has no paper trail. They have a free ride in the courts where YOU are NEVER guaranteed justice, even if you can legally support your case.

By: talktotennessee

talktotennessee — Thu, 20 Mar 2014 04:25:36 +0000

In reply to Tim. I had hopes for Occupy but an outdoor in the park protest group without roots and growth had little chance of staying the course even though they had the right idea about Wall Street. When the Democrats failed to embrace their cause as an alternate to the Tea Party, Occupy had no method of growth into the Congress where they could have effected change. Sadly there is little difference between the GOP and Democrats now and Occupy is a piece of history. As long as we are complacent we will not rise up and challenge the powers that be. Silly followers of Tea Party would shoot self in the foot as the Republicans laugh at their being duped into supporting a party bent on a Plutocracy just by hitting a few hot topic buttons. Wealth is power. Our courts, our state legislatures and Congress moving further from voter control. When the GOP succeeds in limiting voting rights for the elderly, disabled, ethnic while the courts silence our voices and deny our rights, we have already lost. There is no heart or fire in the people for a revolution!

By: dc

dc — Thu, 20 Mar 2014 02:43:14 +0000

What you need to do is find your original closing docs if you can,then send a QWR and see what they send,more than likely there will big differences in all sorts of things.You also need to look hard and long at everything,notary dates,closing costs,who they show prepared the docs etc,then you find the lies,and pooling and servicing agreement,assignments,etc.good luck

By: lms53

lms53 — Thu, 20 Mar 2014 01:13:06 +0000

In reply to Mark. so true Mark, I could not believe the way this old fart judge spoke to me and I had my keys on the podium and the lady cop told me to put them in my pocket like I would attack someone with keys. the courts want to intimidate and scare the homeowner. they do not want you there

By: Mark

Mark — Wed, 19 Mar 2014 21:15:53 +0000

In reply to mkd. The latest news of Wells having a so called foreclosure documentation fabrication manual is nothing new: I've said it for years. They already have the circle of lies perfected from the documentation to the law firms they use to the 8$ an hr temps they have sign as VP's. When one step starts to crack they just replace it with another fabricated document by a document fabricating firm signed by a stooge. Judges are still so swamped with this mess they have no choice in their eyes but to side with the lawyers attempting to foreclose. After all, you owe. What you owe? Who you owe? Is irrelevant. You owe, therefore, you lose. There are thousands in line behind you. Thousands. I've have never heard of 1. Even 1 case where the law of standing and ownership of your mortgage made a difference in a foreclosure case where we can use that case as precedent to move forward. We need to realize that this Ponzi scheme is just too big to be dismantled at this time.