Get your gloves on and start training for the fight of your life because foreclosure defense is going to be no easy battle. Make no bones about it, you are definitely fighting against one of the toughest and most powerful opponents in the world. The banks
Let’s get one thing straight here ladies and gentleman. The banks have a lot of fighting muscle, political power money and world influence. Plus, they have trained every day for the last 200 plus years to be the #1 top heavy weight corporate contenders in the world. In fact they are so powerful, they don’t even need to don gloves or mouth pieces anymore. This will be no easy battle folks.
| Like any fight , you must first look at your opponents weaknesses in order to exploit them and utilize these loop holes to your advantage. Over the years lenders and banks got fat and a little lazy in their training habits and fighting tactics. I guess they assumed that they would always rule the land from their hill top estates and glass houses.
Knocking homeowner, after homeowner out for the foreclosure count. Winning fight after fight. |
You can call it cockiness. I call it plain stupid because the banks have made many mistakes in the laws which they tend to manipulate with their buckets of campaign money. Now, we are going shine a spot light on where they forgot to cover their bases and where you can steal some bases of your own and quite possibly home plate!
“An Informed Consumer is a Powerful Consumer” – Get Educated and Fight Back!
1. Truth in Lending Act (TILA) –
Does your loan have legal violations? Are you the victim of predatory lending? Did you know that 90% of victims do not even know they are victims? Discover how the Truth in Lending Act can help you with your mortgage or to stop foreclosure.
The federal Truth In Lending Act was originally enacted by Congress in 1968 as a part of the Consumer Protection Act. The law is designed to protect consumers in credit transactions by requiring clear disclosure of key terms of the lending arrangement and all costs.
This is the most abused laws by lenders and the one that has the most teeth.
Our company, Loan Safe Solutions, performs predatory lending mortgage audits for attorneys and consumers and we are finding legal violations on over 80% of the loans we review. Meaning, there is an 8 in 10 chance that the law has been violated on your mortgage and you might be able to use these legal violations to knock out your lender with a swift upper cut. You then can watch as the referee (the Judge) gives the 10 count.
Homeowners can use this defense even if they are not late on their mortgage and an effective tool to bring litigation against their lender or to mediate a loan modification.
This is one defense I am sure the lender funded Hope Now and non-profit, 995-Hope band of merry do gooders do not share with you as you call them for help. I know, because these same homeowners call us daily because they have been turned away by these same people and we use the forensic mortgage audit to discover Truth in Lending Act violations as our weapon of choice against “unhelpful” and “predatory” lenders or servicers.
Here are some very important Truth in Lending Act cases that the banks are shaking in the ring as they wait for the fights to start.
Class Action Under the Truth in Lending ActAndrews v. Chevy Chase Bank, FSB (2007 WL 112568, E.D. Wisconsin, January 16, 2007). Borrowers alleged that the lender: (1) failed to properly disclose the payment schedule because the schedule did not reflect that the required payments were due monthly; (2) did not clearly disclose the APR and variable rate feature, based in part on disclosures reflecting a note rate of 1.950% and a five year fixed period that applied to the payment and not the rate; (3) added information to the TILA disclosure that was not directly related to the information required to be disclosed (i.e., the initial discounted interest rate of 1.950% set forth as the note rate); and (4) failed to properly disclose the possibility of negative amortization. The federal district court agreed with the first three allegations and determined that the loan was rescindable because of the violations. The court further determined that this matter was appropriate for class certification, finding nothing in the language of the TILA that precludes the use of the class action mechanism to obtain a judicial declaration of whether a TILA error entitles each member of the class individually to seek rescission. The MBA and other industry trade groups have 2 filed an amici curiae brief requesting that the United States Court of Appeals for the Seventh Circuit overturn the class certification. Barrett v. JP Morgan Chase Bank, N.A. (445 F.3d 874, 6th Cir., April 18, 2006). The borrowers refinanced their mortgage with Bank One in May 2000 and again in January 2001. In May 2001, the borrowers refinanced the loan with another lender, and Bank One released its security interest in their home. The borrowers requested that the Bank One loans be rescinded based on alleged TILA violations. Bank One responded that because both loans were refinanced, and the security interest released, there was nothing left to rescind. The district court agreed, but the United States Court of Appeals for the Sixth Circuit reversed. The Sixth Circuit stated that nothing in the TILA or its implementing regulations provides that the act of refinancing extinguishes an unexpired right to rescind, and that the right to rescind gives consumers the right to recover fees in addition to the right to the release of the security interest. |
2. Challenge the Ownership of Your Note –
Does your lender really own your mortgage? Are you sure? Why don’t you make them prove it?
Aaron Krowne and I first broke the story about the Ohio ruling in which Judge Christopher A. Boyko of the Eastern Ohio United States District Court, on October 31, 2007 dismissed 14 Deutsche Bank-filed foreclosures in a ruling based on lack of standing for not owning/holding the mortgage loan at the time the lawsuits were filed.
Judge Boyko issued an order requiring the Plaintiffs in a number of pending foreclosure cases to file a copy of the executed Assignment demonstrating Plaintiff (Deutsche Bank) was the holder and owner of the Note and Mortgage as of the date the Complaint was filed, or the court would enter a dismissal.
April Charney, a powerful legal aid attorney and foreclosure defense pioneer in Jacksonville Florida said this about the Ohio rulings, “This court order is what I have been saying in my cases. This is rampant fraud on every court in America or non-judicial foreclosure fraud where the securitized trusts are filing foreclosures when they never own/hold the mortgage loan at the commencement of the foreclosure.”Charney said, “That means that the loans are clearly in default at the time of any eventual transfer of the ownership of the mortgage loans to the trusts. This means that the loans are being held by the originating lenders after the alleged “sale” to the trust despite what it says per the pooling and servicing agreements and despite what the securities laws require.
“This also means that many securitized trusts don’t really, legally own these bad loans.”
She went on to say, “In my cases, many of the trusts try to argue equitable assignment that predates the filing of the foreclosure, but a securitized trust cannot take an equitable assignment of a mortgage loan. It also means that the securitized trusts own nothing.”
Now, this is quickly becoming a preferred punch of choice used by cleverly trained homeowners and aggressive heavy weight attorneys to bring lenders to their knees with a swift jab to the chin during the foreclosure process.
I can almost guarantee that your lender or servicer will not want to see you in the foreclosure ring if you have been training using the above fighting techniques.
Brilliant article, Moe. Useful info that can be used to fight the injustice and greed of banks is always appreciated. I hope to hear more from you about this. I have been completely fixated on this mortgage mess since the crumbling of American Home Mortgage last August. The news just gets more interesting everyday. My sympathies to the hard working, small man who works for these crooked banks and mortgage companies. But no sympathies at all to the fatcat bosses who rake in millions after being terminated for their “business decisions.” Good Riddance to them all.
Thanks Captain! Your support and kind words only fuel my fire to keep fighting the good fight.
Would alot of these arguments of securitized debt also apply in collection of credit card debt? ie; I’m defending the debtor over credit card collection efforts stemming from a Discover card contract/agreement.
Are you going to have a mortgage foreclosure class in Houston, Austin or San Antonio, TX?
Do the same requirements apply to construction loans? The original documents state that the loan is for homestead property, but my son has not been able to complete the home and therefore foreclosure proceedinga have started.
We have answered the summons and complaint in a timely manner to avoid a default judgment.
Thank you!
Very infoming.
What general kind of response can be given upon within the 20 day period of being served with forclosure papers?
What can one do if they did not respond within the 20 day period?
Does on lose their rights?
To Donovan: Usually a motion to dismiss the foreclosure complaint is best. This preserves all your defenses for asserting later in your answer/affirmative defenses and or counterclaim. Even a simple letter from you asking for an extention of time to respond, filed before the 20 days is up, is better than letting the matter go to default against you. A default waives your rights and defenses.
Dovovan:
Do not let the 20 days lapse without at least filing a motion to extend time to respond. Otherwise you risk waiving all your good defenses!
Then go to an experianced lawyer who is familiar with defending these cases for a consultation. We charge a $100 fee to review and advise clients regarding tactics to repond to the foreclosure. Each foreclosure case is different.
Hi, I need to know if there is any thingI can do . 2 years ago we needed to refi our house to get out from under a bad loan. we did not have the credit but my mom did so the broker told us they would use her credit our income we would all be on the loan, well now we are facing foreclosure do to health probs, and went to the bank who bought the loan to get help but the only person on the documents is ny mom and they falcified and said she made 12k a month to qualify my mom is 80yrs old and on ss
what can i do I am not willing to loos e my home
We owned a construction business that closed. We have exhausted our savings and tapped our credit cards while looking for income this past year and 1/2. We are receiving unemployment compensation and will receive rental income from a bldg. we own starting in September. But the income will still not be enough to cover all of our bills.
A local company wants to sue our mortgage bank to get our mortgage reduced by “20 to 30%” reducing our payments and credit cards amounts and payment. They want $1,000 a month fee while it’s going on.
This is what they claim:
“It is not uncommon for a defense case to take over 100 hours of attorney time, spanning several years. As part of a Joint Venture with the Joe Aldeguer Group, our law firm has agreed to waive its upfront retainer fees and charges only a monthly retainer fee for the first 1,000 clients who sign up for the Mortgage Relief Program. Our goal is to place the homeowner on the offensive. Through aggressive defense, we seek a huge right down on the principal loan amount, a lower interest rate and a lower payment so that the homeowner can remain in the home. We expect that the homeowner will be in a better position to make a decision regarding their home in 8 months, a year and sometimes over two years, where no defense will most assuredly leave them homeless in a few short months. ”
I’m afraid that after the time is up, we’ll lose the lawsuit and lose our home. We believe in paying our debts but our home is no longer worth what it used to be. Our credit score has dropped drastically.
We can’t find a way to increase our income yet. We were told by an attorney that we can’t file bankruptcy because we own a commercial bldg. outright and would surely lose it along with other assets. What else can we do? Does this idea sound legal and what is the worst that could happen if we pursue it?
Thank you for any and all advice and suggestions.
HI EVERY BODY, DOES ANY ONE KNOW ABOUT A LEGIT LAWFIRM THAT REPRESENT HOMEWNERS FOR LOAN MODIFICATION IN NJ? I WILL APRECIATED ANY INFO. THANKS
I have been trying to get a modification with Washington Mutual/Chase for about 8 months now I hear that Chase is servicing the loan for a small investor who refuses to modify the loan is there anything I can do in this situation. We have filed bankruptcy to stop the sale of our home we are currently going through a lawyer to modify the loan can a bank or investor just refuse to modify a loan is there any government control over this process. I know people are a lot worse off than us but we feel we we need to do everything possible to save our home before letting this investor take it from us.
Has anyone had any luck with modifying their loan with a bank called HSBC? I need help fast…and they seem to be out of country and barely speak english to get info.
Hi – I’m looking for a Foreclosure Defense attorney that is well-versed and aggressive with these strategies in NYC area. please let me know. Hit me up at davyjay@hotmail.com. Dealing with American Home Mortgage Servicing.
Hello Moe, You are absolutely great!
I am behind on my mortgage since May2008 due to jobloss and loss of income by 50%. Tried to contact my lender on loan MOD. No response. Now I have received the foreclosure sale notice for Feb2. What woul be my quickest response to save our house. My income WILL increase this year substaintilly as I am in Sales/marketing and have closed on some great accounts.
Thanks for the kind words!
You do not have a lot of time. Dedpending on your state, you may have options. Check and see if your state has mandatory mortgage mediation throught your county courts. If not, you may want to contact the lawyer who is handling the trustee sale for the lender and ask or beg them for help in stopping the sale for 30-60 days while you work it out with the servicer.
Call and email all your city, county and state Gob representiaves and email the CEO/Executives at the bank. Join my forum at http://www.LoanSafe.org/forum to get more help and tips. Try http://www.NACA.com or if all fails, you can seek an attorney to maybe file chapter 13 bankruptcy which will also stop the sale.
Best of luck and don’t give up!!!!
After going through 9 months of loan mod with Chase and being on trial mod and paying 7 months of trial mod payments, Chase is telling my lawyer they cannot give me a modification because my property is worth a little more than what I owe. They are asking me to “refinance with another lender” which is absurd! I have done everything they asked and all they did was get money from me. They cannot find any other excuse so they are saying my property is worth more than my loan (which is not!)
As time goes by the pattern is becoming clear, most mods are not approved, the banks have no incentive to approve them, esp. when you have equity. I think they just string you along long enough until they can slam dunk you. They never had any intention of helping.
my mom filed for modification a while back, so they gave her a trial period. And after the trial period she had been trying to get in touch with them. She finally did, TODAY. and the supervisor told her that bc the house appraisal is so low they cannot further make the modification permanent even though we had done all the steps she paid 3500 and made all three of the trial payments on time and everything. Now they are asking her to file the entire process basicly redo and repay them, and on top of that everything she owed during the awaiting period before she got the modification. And now shes terrified, she doesnt know what were going to do bc we cannot afford to repay everything. Can they or do they have the right to do this? I mean the original loan modification was actually based on the her loan not the house value. So is this right? And what can we do, we are our options?
Lauren- If the “appraisal” is so low why worry about it? The property is worthless. Isn’t your mothers quality of life more important than a mortgage. (I don’t even want to know how long she has been paying on it.) Who is the lender?
We have an adjustable rate loan with countrywide(now b of a) . its up to $2400 amonth and I lost my job my husband only make 3000 a month. Ive tried several times to get my loan modified but they keep denying saying the reason is the ‘INVESTOR DENIED”. Who is this and how is it fair?? Is there any way we can get them to modify so we dont lose our house?
to Amy- Stop paying them. If the money keeps coming in, there are NO problems. Capiche?
Amy, how much money do you owe on the house? The bank is not the one who fired your husband. What if you only made 2000 or 1500 per month. You can’t afford your house, stop making others the bad guy.
We were victims of our mortgage company. We fell behind a couple payments, continued to pay, and all along they had been foreclosing on our cottage that we had listed as a secondary residence. It took place during Christmas and sold on Jan 6..We didnt open it back up till March, missed the summons day. The bank now owns our retirement home. This inspector tried to say we didnt have electric and an absense of furniture. What were they doing, looking at the new addition I had just built and spent 80,000 on? We never had a shut off and still have power there. We had 40,000 worth of materials there. Had taxes and insurance paid etc. They stole our home in the middle of winter when we had it closed up, and never sent us notices to our home in town. Then the people that winterized it, stole some property and vandalized the bathroom. The bank is dragging their feet on selling it back and we have to come up with like 10-15,000 over what we could have bought it for, had this not happened. We were taken advantage of. Providing they even sell it back because the property is worth more. We had our home stolen, and cant seem to get any reporters or help investigating that this company didn’t follow oaths they took when conducting business. How that inspector could get away with saying it was abandoned is beyond me. Plus them knowing it wasn’t our primary residence and it being the middle of winter and the whole idea of the notification process is to make sure the people are aware of any notices, so they have a fighting chance to answer back. We were kept in the dark for 3 months and then it was too late. Any legal comments call Matt at (616) 406-7881
We were victims of our mortgage company. We fell behind a couple payments, continued to pay, and all along they had been foreclosing on our cottage that we had listed as a secondary residence. It took place during Christmas and sold on Jan 6..We didnt open it back up till March, missed the summons day. The bank now owns our retirement home. This inspector tried to say we didnt have electric and an absense of furniture. What were they doing, looking at the new addition I had just built and spent 80,000 on? We never had a shut off and still have power there. We had 40,000 worth of materials there. Had taxes and insurance paid etc. They stole our home in the middle of winter when we had it closed up, and never sent us notices to our home in town. Then the people that winterized it, stole some property and vandalized the bathroom. The bank is dragging their feet on selling it back and we have to come up with like 10-15,000 over what we could have bought it for, had this not happened. We were taken advantage of. Providing they even sell it back because the property is worth more. We had our home stolen, and cant seem to get any reporters or help investigating that this company didn’t follow oaths they took when conducting business. How that inspector could get away with saying it was abandoned is beyond me. Plus them knowing it wasn’t our primary residence and it being the middle of winter and the whole idea of the notification process is to make sure the people are aware of any notices, so they have a fighting chance to answer back. We were kept in the dark for 3 months and then it was too late. Any legal comments call Matt at (616) 406-7881
we are having big mortgage troubles and need some advice. we have a home with a first mortgage of 400,000 and a home equity line of 300,000. We have never been late on a mortgage payment nor the line payments. our bank was sold to a different bank and they called the home equity line due in full. there is no way we can do that right now. the reason we even have it is the state of the economy and my husband is the owner of a family business which has suffered in the past couple of years like every other business. they are now throwing us into foreclosure. we have listed the house for sale but are fearful that they will not give us the time to sell. please send any advice you can help with. the house is worth much more and is listed for much more than we owe.
@ Marlen. Lien stripping through a Chapter 13 Bankruptcy might be an option if you owe more on your 1st than your house is worth. If you are upside down on your 1st, you could have the 2nd stripped.
I have a property I own with my son in California. He lives there, I never have. It’s so underwater and the neighborhood has become so dangerous I want to walk, but the atty is telling me that although the bank has no recourse for my son since he lives there, they have recourse for me and that as co-borrower I am responsible for the full amount. Is this true? I got the impression the atty wanted to continue to raise “issues” he could “research” at $400/hr and in the meantime nothing meaningful is happening.
I was hoping to see more update information as much in this post is older and things change almost monthly in the foreclosure defense field. I have found now auditors that willdo document examinations and I am referring people to them all the time. It is not as easy as making the bank produce some document to prove they own your home.
Modifications are being used to disqualify people from help and often TRIGGER foreclosure leaving people without a foreclosure defense.
Matt it is not too late but many can’t afford lawyers. that stinks how it happened.
OK Moe, you DO bring up some valid points, but… there are several undercuts in the logic operating here. And the two at the VERY BOTTOM, the ne plus ultra if you will, are what I call the Two Magic Questions. They are; What is the EXACT AMOUNT of fraud that ANYONE has the right to commit? What is the EXACT AMOUNT of fraud that ANYONE has an obligation to endure?
Since the so-called “loans” were created out of thin air by way of a promissory note, NO ACTUAL LOAN WAS MADE!! See The Credit River Decision for proof of this.
Also, read my treatise What is Money? sometime, you’ll most likely be quite surprised at what you learn there.
Randy
Hey the overheard at alliance. Bancorp of oak brook ,aka jpmorgan wellsfargo lasalle bank ally financial inc abn amro mortgage corp is all fraud in the 1st degree , the real owner president office was robbed and his I’d was stoten , and a nother I’d was made , from the fraud monster , and inter the companies banking companies and other companies , starting with forcloser fraud to bankrupty fraud ,decesion fraud which mean the true owner my not forclose u , he may give u 3months free mortgage or he may just drop your payment to what u can afford .fraudulent tranfer ,fraudulent signtures , fraudluent activitys , file fasle irs cliams , not paying the irs taxes , reporting fraudulent money the companies making to the irs , giving the irs false I’d and ss card .fraudulent powers of attoneys ,giving people hi inter rate ,fraudulent -30,000, asking back 130,000 , bank robbery fraud , taking money out those companies accounts with a person I’d ,that not them ,100 overdraft fee fraudulent , haveing u sign paper work that the letter so small u a say just sign and get it over with , when they can make the letter huge , and break the sentance down to what they saying , if u miss a payment u ow payment and a 75 fee , fee to hi that fraudulent fee and fine , cause u miss a payment 100 that to much of a fee .if a peron refinance their house they need money and their note lower , same with a car if u giv e a person a loan on a car they only making 1350 a month ,car note should be 265 a month insurance 100 a month ! That a make folks own something , the frauder give u a loan overchargeing,the stuff u end up giving it back to them . All fraudulent activitys at the biggest level of it unfor. . ! ! ! Its low down what they doing , not only that they giving u car and house that not worth the the price they asking they no u want it and need it so ! U end up the fool ! But it time to fight back . A nuff is a nuff .
Michael said in a post on the united financial mortgage corp web site aka alliance bancorp . That he’s been dialing 911 on the fraud sense 2002 . Why didn’t the law respond too him . That not good . The law is for us , and from the looks of it they should have been their front row for michael grimes ! From the huge amounts of taxes his family been paying for 100s of years . And jobs they giving the public too . I’m a say he’s been treated like trash . Get him out the trash ,u no he’s living a nite mare , just the thought of all that and no help sense 2002 , well he said also to tho their was arrest in 2004 but he had to find the lady his self . tori thompson -,scot dale college decautur ga . Human rights civil right don’t stand take it all down , its all fraud all of it .
Michael said in a post on the united financial mortgage corp web site aka alliance bancorp . That he’s been dialing 911 on the fraud sense 2002 . Why didn’t the law respond too him . That not good . The law is for us , and from the looks of it they should have been their front row for michael grimes ! From the huge amounts of taxes his family been paying for 100s of years . And jobs they giving the public too . I’m a say he’s been treated like trash . Get him out the trash ,u no he’s living a nite mare , just the thought of all that and no help sense 2002 , well he said also to tho their was arrest in 2004 but he had to find the lady his self . tori thompson -,scot dale college decautur ga . Human rights civil right don’t stand take it all down , its all fraud all of it .more thing the laaw books are in rows , and the da office and warrent division atl ga fraud unit , act like they didn’t no the law on this human being life , the courts and judges swear on a bible to up hold the law , if the hold law system a tell a ly on the holy bible its a fraud .! ! ! In god we trust fraud . The law are bigger crooks then the ones on the street . If god is real their a be a lot of arrest comming starting with that fake.fraudulent war in the middle east ,
Michael grimes – none to the irs as united financial mortgage corp -.they have my correct ss number and birthday and mailing address . I’m thinking they didn’t no I had fraud cause of the state documents they had from the probate court . Power of attoneys ! Is a good way to do fraud u can’t tell nobody doing fraudulent activitys on u onto u find out then go report to the cops and ftc et.al . That power of attoney gloria jean mayes and patrick mayes and michael d grimes sr had on me says full power over me with no say so , for my self . Who do u no. A give somebody full power over them to jpmorgan, citizen bank, wachovia bank . United companies .nationsbank .I’ve been asking them for years to give me the paper work they took back . They saying we don’t have it your brother anthony grimes has it . But I say back to them his name on nothing . After that state farm companies even told me gloria jean mayes , va office . Said her . Bankruty court said her , she filed something downtown atl ga fed bankruty court, under, james and michael grimes ,and the clerk said then 2004 , I’ve been robbed .
Your Foreclosure Defense Tactics do not address a defense against JPMorgan Chase claiming they purchased the assets of Washington Mutual Bank but not the liabilities. The courts are dismissing with prejudice on that sentence. I think the courts should require the entire legal document between Chase and FDIC to be reviewed in discovery phase rather than dismiss the case based on the sentence. How does a homeowner fighting a wrongful foreclosure in Federal Court proceed with a motion to dismiss claiming they (Chase) is not liable for the wrongs of Wamu. How can the courts allow a “contract” to become a unilateral contract where only one part is allowed all the rights with no responsibilities? Is there a defense? If there is, please help now because case after case is being dismissed with prejudice based on that single sentence.
thank you
Hi…. We recieved a Notice of Default on December 1st. We have been trying to modifiy our loan for almost two years now but Chase just keeps telling us its in review. We called the bank right away when we recieved this noticed and they informed us of a few other modifications to try but our main concern right now is getting the foreclosure stopped or put on hold. What is the next best step for us. We are desperate to keep our home.
I have clean title and deed to my home and prop. Been to court twice and fought TBW off. Case dismissed. Then BAC case dismissed. Now third time BAC coming again. Cannot find fla attorney that wants to defend me. They want me to keep it simple stupid and file bankruptcy. Been locked out twice have police reports. More to the story. Also disabled. They want my home bad. No one wants to defend me. Help any one?
Michael grimes as -known to the. I r s . As – pres united companies financial corp , united companies insurance co ,united gen insurance co ,american great insurance co ,alliance. Bank , alliance bank mortgage , alliance bancorp ,arh mortgage corp ,vision mortgage corp , access mortgage corp ,southern mortgage corp , foster mortgage corp , national city bank , suburbain western bank , wellsfargo ,united financial mortgage corp, which all of this run ,rite into jpmorgan and the 1 one bank , bank of america . . Theves get out run out .
Bank of america.and one of its division citi group , owns wachovia , so wellsfargo , bought or merger threw , who ,citi group or wachovia , it, couldn’t, have, been, wachovia .,citi group 1st lien holder . To lasalle bank ,abn amro ,bank of north america , south trust bank ,first union national bank , bank of south carolina , and at last wachovia bank . Now that looks like to me , wellsfargo bank merger with bank of america at the top of page . Its more to this fraud then meets the eye . Its strange as it can be 22million people have filed warrents on the robs and the pest keep getting rite back to same stuff . Like nothing keep happening , its got to be a cop connection , the police in on this fraud . Our own police helping them comment the fraud .
you and your clients may be interested in an upcoming online panel discussion hosted by the legal team behind the U.S. Bank v. Ibanez decision will host a live online panel discussion on the Ibanez ruling and its implications for the mortgage industry, legal practitioners and consumers. The webinars will take place on Sat 02/12 at 12pm eastern & Tues 02/15, 8pm eastern time. The panelist will answer questions from the audience and share the research and evidence gathering tools they used to build their case. To attend use this link https://www.eiseverywhere.com/ereg/newreg.php?eventid=19733&eb=currentblast
Does anybody know if there is a website similar to this one in the UK?
Good luck folks.
Thanks.
Anne M
I am not sure, but I may start one. You are having no luck finding one?
Not really, have looked but not been able to find anything quite as well organised as this. It all seems to be a bit random here really. If you get anything going please let me have the link.
Best wishes to you.
Michael grimes fraud – united financial mortgage corp – and its division are – colonial bank mortgage , penn bank and insurance , lasalle bank , bank of north america , bank one , commerce bank , portland mortgage company , porland bank , wellsfargo co , trininy plus funding , asscess mortgage corp , vision mortgage corp , jpmorgan , united financial corp , nation wide home loans , american residental , all united united financial corp . Sub bank , the great western bank also fraud too .
James michael williams – corp name – harold e henderson , – how can everybody be in a law suit with me , and their a person playing like he’s me with a fake ss number and a funnie I’d card . Is this for real . Rockefella giannini mitchell allen. Burton mitchell hoffman abbey morgan amoco gas station fraud. . Nobody told those theves to touch the pesi cola company . 236 companies hi jack with a fake I’d and ss number . Wow . The theves are happy , but the bible say in the 1st book and the 4 -10 chapter – even tho they stole the stuff, – the stuff blood keep on talking , – – – any time u a vitim of something people try hide the mess , but u cant- hide the blood of the mess its .
People get on the phone to everybody u can make a complant too , this I no , they a get tired of all these complants , start calling all the churches news everybody – police and da office jesus – man everybody u can call and write email – because everybody future is at hand here ,if u can’t get a bank to make things work for u – its all over first of all if a bank can’t give u a loan to go to school college – how will u go , if u need a car to get to work and u hate a bus how will u go , if u hate a apartment building and like a house , and want a mortgage on a house how will u get it , if u want a 5000, credic card , so u want have to spend all your money every time u get paid , and the bank want give u a card , how will u make . All this stuff plays a role to living . If somebody hate what they doing it a never work , because if u had to steel something u hate what u doing , because if u stole it , it wasn’t meant for u. They trying to make them selfs a born financer . They self , all I no is finances and I love to do it . And I no how to make it work – for- x – I can give away 100 trillion dollars – because I will be loving what I do – I would love to make that money right back , like I never gave it away . Its just like a car maker – a car builder can’t do. Banking – he love to make and paint cars , if he did work at the banks he a be mad at the.way onto he’s back at the auto car lot . The theves probly not running the stuff its all been run by power of attorneys and trustee , which they may have the mind to bank , but I’m the born blood line of those bank , nobody can replace me . Colonial bank , penn corp financial group , colonial mortgage service of america co , mortgage service of america co , td bank , commerce bank , fraud just got stopped , world finance co – decatur ga ,the department of finance , and the sec – ftc – don’t need to , let the banks and co , file no more . Because they are fraudulent activitys . Lady went to the doctor with heath care 200 a month , and could stay nothing but a week , and she had a stoke , and she has to pay something still , all this stuff a scam . U should have to be scard of nothing with insurance , that what its for . Probate court atl ga – clara heard – notery a document for me saying -3-24-2002 – and she said ill let the judge no this case is fraud – gloria jeans mayes . And she said call the police major fraud unit atl ga , and go down and take out a warrent too , did all she said , warrent folks said need her address and the major fraud unit said – how can I help u – I said I have probate court fraud – she took my inhertance – and he said ill have a look at it , but he never did . Because I had to find that lady my self and get the warrent . When that cop soppose to ckeck that out after I made to the call in . And clara heard the probate court clerk , never told the judge it was fraud , so now , I say is this a joke – am I been punk – . If so this getting way to hard to be punk . I’m tired of what ever this is .
I research that case on gloria mayes it wasn’t put on a court or police lead , its was handed rite to the grand jury ,and the grand jury said where is the stuff she took , and the da office said we don’t no , so they never look at what the lady took , but now we a file charges with the city of atlanta solisitors office of the atl police force , and see can we get this thing on the ball for real now , that’s guy took the case to the wrong folks , but we a get the case too the rite folks in atlanta this time , ill be , shock if they not waiting to kick the door in on that funnie owner rite now . Greedy pig .
The judge said my trustee had 13 years to serve me a copy of the trustee terms and conditions to the contract , but , the laws says a nolo trust has to give a benifiary their address and phone number and address , and a benifiary has the right to revoke any trustee after 25 of age , I’m 36 and never seen or met my trustee who make trust laws , attorney gen ? They need change all of that , that too much power to a trustee because its just like they own the the property if they don’t have to never tell u nothing .they need to change trustee laws and back date it saying a trust only has 10-11 years of that kind of power at most . And benifiary take over what ever they inhertance is after so on , nolo trust contract last for 14 years . My dad wrote his jan 1 1999. Its almost 13 years and I don’t no who the trust is and where they at and what they have been doing with my stuff , I wish I had their addres ill revoke them , wellsfargo bank na .
The fed saving & loans bank decatur ga , the first union national bank ,was handle by, mccurty& candle- law firm of decatur ga , and ronald anderson law firm of decatur ga , soppose to be good attorneys at law ,they had word that trustee mistreat ment was been taken place here a long time ago , on the companies owner ,they new all of that crap was blind trustee fraud , cause why would the owner of wellsfargo bank , be looking for , the copy of the last owner last will testment and the trustee contract ,if somebody is hideing all of that with out a clue to find that ,ether the attorney gen is a fraud too give a trustee that kind of power of the trustee their selfs are fraud , if u ckeck around , all of the fraus trustee fraud still going , but troy davis , isent still going he dead . The law applyed too him . Becausae he was poor , but the banker are rich no laws go to them , they do what they want . And who makes a trustee contract to last 14 years , u a be almost dead when that ups , now if u don’t have a copy of the trust ,u wouldn’t even no after 25 of age u can revoke the trust ,thats name and address and phone number is on the contract , right , they new that ,dirty low down theves new that so they didn’t serve the copy hopeing to get away with all the goods , we found out and hard too . This is what gone take the banks down rite here . Read this post good .u got trustee that’s running folks stuff for over their age of 25 with out giving them nothing ,u got people 36 of age and never seen their trustee yet , wellsfargo and jpmorgan has a dirty sole ceo and a dirty sole trustee and all of its dirty ,fraud .
They give trustee of benificary legal tittle to the owner property , so its just like the trust is a owner too , who gave out that kiond of law , they need to be arrested , a trustee should have legal tittle to no body property and they sure don’t need a blind trust to where they do not need to list assets to the owner all of that is blind fraud . Dam I wish I could be a trustee to have the power some of these trustee have over dead people estates is huge , and they have legal title too it too , its like the trustee is a grantor too ,but the trustee do not has blind insite ! The benificary the one getting the sad face . And the united states of repe ,and congress law maker passed the bill , for united states trust laws .law maker why did you guys make the laws so hard ? ?
If a benificary of personal property or corp property , if u have a iirovocable trust , pretty much u can’t relly do nothing , because the united states trust laws , give a iirovocable trust legal tittle , but they should at least give u copys of the terms and conditions , and least a copy of the trust both in a case , if don’t don’t have a copy of that then u could have a trustor that is a theft . Anubody dealing with a bank and the owner has a trustee or iirovocable trust u should too get a copy of the terms and conditions of the trustee work too , me my self I don’t want to deal with a 2nd party or 3rd party . Its like they make u deal with them . Its all made u deal with them , and its like u a bank slave too . It shouldnt be like that. Its says a iirovocable trust can be change or all revoke by a judge in a court of law if it get too bad , can we get a judge to revoke the contract on the benificary owner of wellsfargo bank na ,his trustee need to be revoked asap .