and hope that you can find a honest lawyer. Most are born liars. looking back, the only thing a lawyer did was buy you a little time for the inevitable

Few days ago, South Carolina joined 2 dozens of other States file a flurry of similarly worded legal actions to block Ocwen.

On the same day that the Consumer Financial Protection Bureau (CFPB) filed suit, South Carolina joined 24 other states in issuing cease and desist orders against Ocwen Loan Servicing, LLC, a Florida-based corporation with headquarters in Delaware and the U.S. Virgin Islands. The CFPB accused Ocwen of “years of widespread errors, shortcuts, and runarounds,” costing some borrowers money and other borrowers their homes.

“The main concern we have is Ocwen’s failure to reconcile its escrow accounts,” said Carri Grube Lybarker, administrator of Consumer Affairs. In some cases, she added, the firm “was unable to show money going in was being credited” to the borrowers.

South Carolina issues cease and desist order against large mortgage servicer facing CFPB charges.

The nations’ second largest non-bank mortgage servicer, servicing 1.5 million families, violated several state and federal laws, South Carolina and federal regulators find.

CFPB is a valuable partner to states and helps them protect consumers from financial abuses,” said Lauren Saunders, associate director of the National Consumer Law Center. “Any attempt to weaken the CFPB leaves families in South Carolina and across the nation vulnerable to violations of their rights.”

“People have no choice of the mortgage servicer that handles their loan, and yet the servicer’s misconduct can cause families to lose their homes. That is why vigilance by the CFPB and state regulators is so important to send a message to financial service providers that misconduct will not go unpunished,” Saunders added.

Let us focus on the alleged robo-signers who executes the assignments while being under the employment of the transferEE.

Let us all appeal to lawyers giving them confidence that we will all prevail in convincing a state or federal judge to rule against this type of conduct because it is a conflict of interest: MERS, or anyone, should not be authorizing a person connected with, or the agent of, the assignment transferEE to make the assignment in MERS’ name. Not only should this not be allowed – IT SHOULD BE PROHIBITED!!!

MERS should only allow assignments in its name to be done by a person properly associated with the transferOR or at any rate, certainly not someone affiliated with the transferEE. And even then, MERS relationship with the transferor must be identified and the assignment executed accordingly.

This is all the more true because in reality, it’s the transferEE pulling the strings. http://www.sourceoftitle.com/blog_node.aspx?uniq=994

Is it a good defense if we all unite in a Class Action Lawsuit?

Thanks Krista.

How much did you advertise your house price for?

Hi Bobbi

Thanks for your reply. Did this happen to you or do you work in the industry?

To clarify your post, here are some of the details of what happened in 2010… if you’re interested:

It was our 1st mortgage servicer (BofA at the time) that initiated foreclosure, not Ocwen (2nd) – I got the fraud-closure stopped the week of the sherrif’s sale & BofA/ BAC servicing/ Recontrust- (the assigned “beneficiary” who initiated foreclosure & conveniently, a subsidiary of BofA) filed a rescinded notice of default with the county. They ACTUALLY cashed the $15,000 I sent, registered mail, to reinstate my loan (THAT was the problem, they would not accept my monthly payments – assholes- and initiated foreclosure! I’ve only home for 20 years now).

My house was upside down in 2010, so Ocwen (2nd) gave up on the idea of collecting while in pre- foreclosure & went off the radar for years- they stopped billing us. With some research, I discovered that Ocwen closed the account in 2011 & passed/sold? the 2nd mortgage onto their debt collector subsidiary, NCI (there’s a contact in India assigned to our account!). They’ve never billed us properly, just occasionally we’d get a “pay $30k today & we’ll remove your lien!” type of shit. Haven’t made a payment to Ocwen /NCI in over SEVEN years, so I believe the statute of limitations is up- 6 years for written in OR (recently, I read on the FTC website that if a debt collector/ servicer obtained rights to a mortgage during default, it falls under Federal FDC Laws & are treated like a regular ol’ debt collector (I’m looking into this now because I HAVE to get the lien removed)

Yes, there have been breaks in the chain of title, assignments not made, fraudulent, Robo-signed documents with the same name being used on several different documents- all recorded at the county records office. (“Christina Balladran” is one of the “Burger King” kids/ robo-signors from Simi Valley, CA area).

SHELLPOINT (1st) is the tricky one- I’ve paid on my loan since 2005 & I’m current & always have been, with the exception of 4 mos when BofA manufactured & attempted their fraudulent foreclosure in 2010—

SHELLPOINT is completely messing up our billing, they obviously do not have our deed or note because the do not know the terms of our note. The “lender” of my 1st note (2005) is the shell company, American Brokers Conduit – a nonexistent company which NEVER did exist- just a DBA. My servicer in 2005-2007 was American Home Mortgage servicer– went bankrupt around 2007??? then, my servicer became BofA. THEN, BofA used the name BAC Servicing JUST during fraudclosure– went back to BofA Servicing right after they rescinded the fraudclosure, then BofA transferred servicing to “Resurgent”, then Resurgent changed their name to SHELLPOINT. (Hmmmm, wonder why the name change?)

So, here we are today, seven years later. We need to sell & move SOON! Been here 20 years.

I will do the QWR, but would rather have a lawyer write it up.

I am curious about your comment about my title insurance covering or paying for a break in the chain of title. Where were you going with that? I have run title reports within the last year & have it.

My big concern is that I don’t trust that SHELLPOINT will release the lien when I sell my home. Also, I don’t think SHELLPOINT can legitimately calculate a payoff balance, nor do I trust where the money would go since my lender did not actually exist and I’m about 100% sure the MBS/ trust pool does not exist. If it does, my loan is not on it..

I think it may be AHM AssetsTrust
2005-1

I’m thinking of taking advantage of the freedom of info act recently passed that applies to Freddie Mac — FREDDIE supposedly owns my 1st loan !

https://livinglies.wordpress.com/2017/05/02/h-r-1694-passes-fannie-and-freddie-open-records-act-of-2017/

Anyway, any help/ comments are welcome & appreciated.

Krista – Oregon is a Deed of Trust state as opposed to a mortgage state. In all cases, the actual Deed to your property is NEVER held by the lender. YOU are given the Deed once it has been recorded of record from the sale between the buyer and seller. The Deed of Trust (in your state) is the instrument by which the lender secures the property as repayment of the Promissory Note. It sounds like it was your second mortgage (Ocwen) who initiated a foreclosure and you were able to get that extinguished? I can tell you that Shellpoint is related to New Penn Financial and was also known as Resurgent back in 2013. Al you have to do is write a letter called a Qualified Written Request detailing that you are requesting ‘certified’ copies of your Deed of Trust, Note and any other documents you want. Be sure to send this with return receipt as they (Shellpoint) have to respond within 30 days of their receipt. I would then also contact the provider of your Title Insurance Policy if you feel that there is a break in the chain of title and file a claim. If nothing else ask them to run a title search (usually a cost of $75) on your property.

Sorry Richard Perry Pratt but where’s your proof of your statements made? The courts are run by the Freemasons? Only the Freemasons could pull off a scam such as…what? And you are connecting the Freemasons with the NWO? If you ‘ran the gauntlet’ means that you were punished for defending yourself? Granted, and I agree that the courts are corrupt but my personal opinion is that it is born out of power and greed (money). This poor man will drown himself as Pro Se and all Plaintiff attorneys know that and count on it when a Pro Se defendant appears in court. Instead of making accusations (which probably can’t be documented with proof) the people of this country need to be awakened and begin to exercise their right to vote but vote KNOWING the person running for Judge. And IF you honestly believe in the statements you made then understand that the majority of Freemasons are Democrats, and if you are one as well, then YOU are as much to blame for the corruption as to whom you have accused.