Wells Fargo Bank, N.A. appears in many ways including as servicer (America Servicing Company), Trustee (although it does not appear to be qualified as a “Trust Company”), as claimed beneficiary, as Payee on the note, as beneficiary under the title policy, as beneficiary under the property and liability insurance, and it may have in actuality acted as a mortgage broker without getting licensed as such.
In most securitized loan situations, Wells Fargo appears with the word “BANK” used, but it acted neither as a commercial nor investment bank in the deal. Sometimes it acted as a commercial bank meaning it processed a deposit and withdrawal, sometimes (rarely, perhaps 3-4% of the time) it did act as a lender, and sometimes it acted as a securities underwriter or co-underwriter of asset backed securities.
It might also be designated as “Depositor” which in most cases means that it performed no function, received no money, disbursed no money and neither received, stored, handled or transmitted any documentation despite third party documentation to the contrary.
In short, despite the sue of the word “BANK”, it was not acting as a bank in any sense of the word within the securitization chain. However, it is the use of the word “BANK” which connotes credibility to their role in the transaction despite the fact that they are not, and never were a creditor. The obligation arose when the funds were advanced for the benefit of the homeowner. But the pool from which those funds were advanced came from investors who purchased certificates of asset backed securities. Those investors are the creditors because they received a certificate containing three promises: (1) repayment of principal non-recourse based upon the payments by obligors under the terms of notes and mortgages in the pool (2) payment of interest under the same conditions and (3) the conveyance of a percentage ownership in the pool, which means that collectively 100% of the ivnestors own 100% of the the entire pool of loans. This means that the “Trust” does NOT own the pool nor the loans in the pool. It means that the “Trust” is merely an operating agreement through which the ivnestors may act collectively under certain conditions. The evidence of the transaction is the note and the mortgage or deed of trust is incident to the transaction. But if you are following the money you look to the obligation. In most transactions in which a residential loan was securitized, Wells Fargo did not work under the scope of its bank charter. However it goes to great lengths to pretend that it is acting under the scope of its bank charter when it pursues foreclosure.
Wells Fargo will often allege that it is the holder of the note. It frequently finesses the holder in due course confrontation by this allegation because of the presumption arising out of its allegation that it is the holder. In fact, the obligation of the homeowner is not ever due to Wells Fargo in a securitized residential note and mortgage or deed of trust. The allegation of “holder” is disingenuous at the least. Wells Fargo is not and never was the creditor although ti will claim, upon challenge, to be acting within the scope and course of its agency authority; however it will fight to the death to avoid producing the agency agreement by which it claims authority. remember to read the indenture or prospectus or pooling and service agreement all the way to the end because these documents are created to give an appearance of propriety but they do not actually support the authority claimed by Wells Fargo.
Wells Fargo often claims to be Trustee for Option One Mortgage Loan Trust 2007-6 Asset Backed Certificates, Series 2007-6, c/o American Home Mortgage, 4600 Regent Blvd., Suite 200, P.O. Box 631730, Irving, Texas 75063-1730. Both Option One and American Home Mortgage were usually fronts (sham) entities that were used to originate loans using predatory, fraudulent and otherwise illegal loan practices in violation of TILA, RICO and deceptive lending practices. ALL THREE ENTITIES — WELLS FARGO, OPTION ONE AND AMERICAN HOME MORTGAGE SHOULD BE CONSIDERED AS A SINGLE JOINT ENTERPRISE ABUSING THEIR BUSINESS LICENSES AND CHARTERS IN MOST CASES.
WELLS FARGO-OPTION ONE-AMERICAN HOME MORTGAGE IS OFTEN REPRESENTED BY LERNER, SAMPSON & ROTHFUSS, more specifically Susana E. Lykins. They list their address as P.O. Box 5480, Cincinnati, Oh 45201-5480, Telephone 513-241-3100, Fax 513-241-4094. Their actual street address is 120 East Fourth Street, Suite 800 Cincinnati, OH 45202. Documents purporting to be assignments within the securitization chain may in fact be executed by clerical staff or attorneys from that firm using that address. If you are curious, then pick out the name of the party who executed your suspicious document and ask to speak with them after you call the above number.
Ms. Lykins also shows possibly as attorney for JP Morgan Chase Bank, N.A. as well as Robert B. Blackwell, at 620-624 N. Main street, Lima, Ohio 45801, 419-228-2091, Fax 419-229-3786. He also claims an office at 2855 Elm Street, Lima, Ohio 45805
Kathy Smith swears she is “assistant secretary” for American Home Mortgage as servicing agent for Wells Fargo Bank. Yet Wells shows its own address as c/o American Home Mortgage. No regulatory filing for Wells Fargo acknowledges that address. Ms. Smith swears that Wells Fargo, Trustee is the holder of the note even though she professes not to work for them. Kathy Smith’s signature is notarized by Linda Bayless, Notary Public, State of Florida commission# DD615990, expiring November 19, 2010. This would indicate that despite the subject property being in Ohio, Kathy Smith, who presumably works in Texas, had her signature notarized in Florida or that the Florida Notary exceeded her license if she was in Texas or Ohio or wherever Kathy Smith was when she allegedly executed the instrument.
Filed under: bubble, CDO, CORRUPTION, Eviction, expert witness, foreclosure, foreclosure mill, GTC | Honor, HERS, Investor, Mortgage, securities fraud, Servicer | Tagged: 120 East Fourth Street, 2010, 2855 Elm Street, 419-228-2091, 419-229-3786, 45201-5480, 45202, 45801, 45805, 513-241-3100, 513-241-4094, 620-624 N. Main stree, agency agreement, agency authority, America Servicing Company, American Home Mortgage, appearance of propriety, as trustee, Assistant Secretary, bank charter, beneficiary, Cincinnati, co-underwriter, commercial bank, conveyance of a percentage ownership in the pool, creditor, DD615990, Depositor, documentation, Florida Notary, foreclosure, funds were advanced, HERS, HOLDER, holder of the note, homeowner, indenture, investment bank, Irving, JP Morgan Chase Bank, Kathy Smith, lender, LERNER, Lima, Linda Bayless, money, MORTGAGE BROKER, N.A, N.A Trustee, November 19, Obligation, Oh, Ohio, Option One, Option One Mortgage, Option One Mortgage Loan Trust, Option One Mortgage Loan Trust 2007-6 Asset Backed Certificates, P.O. Box 5480, P.O. Box 631730, Payee, pooling and service agreement, presumption, property and liability insurance, Prospectus, repayment of principal non-recourse, Robert B. Blackwel, SAMPSON & ROTHFUSS, securities underwriter, securitization chain, securitized loan, Series 2007-6, Suite 200, Suite 800, Susana E. Lykins, Texas, title policy, trust, Wells Fargo, Wells Fargo Bank |
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Wells Fargo is the trustee as they are the. Trustees for the Norrwest Bank and Norrwest was the trustee for the lands of the northwest north America lands kinda.like if you owned large area of land and you put some storage units and say a mobile home. And you had mineral rights to the land …now wouldn’t you feel that the owner of the storage units is untitled to collect his rent a space rent for the mobile home park .
As the land lord that’s his legal right to.
And as for the minerals he would’ve entitled to the oil and gold as well well that’s what Wells fargo ..job is looking after the lands of the northwest it’s kinda a private bank like bank of America was and back in the 1930s trans ocean bank ..after firsts interstate bank. lost its spot ! ! Wells Fargo.. stepped up!! And took the responsibility …of the responsibility the money… Wells fargo represents on behalf of the Norrwest N.A. Bank So Yeah there is a beneficiary on behalf of the Bank wether he takes any or not on him.. maybe he was held prisoner or hostage ..we don’t know ..but I really know anyways I thought I would shed a little light to shed some enlightening on the subject at Matter W/R (Dan) I leave it at that….
Great reading. How can I find out who the PMI company is on my Mortage.
[…] Wells Fargo, Option One, American Home Mortgage … – Mar 30, 2010 · Wells Fargo Bank, N.A. appears in many ways including as servicer (America Servicing Company), Trustee (although it does not appear to be qualified as a …… […]
Hi! I could have sworn I’ve visited this site before but after going through a few of the posts I realized it’s new to
me. Nonetheless, I’m certainly pleased I found it and I’ll be bookmarking it and checking back
often!
[…] Wells Fargo, Option One, American Home Mortgage Relationship […]
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Diane, on March 31, 2010 at 7:28 am said:
What state are you in and how can we get you in the hands of a foreclouse defense attorney who is a litigator.
You need evidence.
REO Brokers are paid by the SERVICER to come out and look at the house that is part of the deal. You need to understand how the law works when you are a defendant.
I am not an attorney, I do not know legal things and even I think I do I don’t because I am not a lawyer and I don’t practice law. But I did learn in school how to figure out how business entities are registered and do business. No longer will I ever have to trust a con man or con woman!
Mary
Chain of Title Forensic Audit is what consumers need!
A Loan Forensic Audit shows only a piece that may relate to a loan trust.
The Chain of title from the time you took your original mortgage is the only way to combat the beast and have
Victory Over Theft Exchange
REMEMBER almost all of the settlement agencies – title companies are affilaites of the Trojan Horse! MEMBERS who are in agreements since 1996 who have harmed us!
What to do What to do?
NYS Department of State Division of Corporations
Entity Information
The information contained in this database is current through April 25, 2011.
________________________________________
Selected Entity Name: BEAR, STEARNS & CO. INC.
Selected Entity Status Information
Current Entity Name: J.P. MORGAN SECURITIES INC.
Initial DOS Filing Date: SEPTEMBER 03, 1985
County: NEW YORK
Jurisdiction: DELAWARE
Entity Type: FOREIGN BUSINESS CORPORATION
Current Entity Status: INACTIVE – Termination (Sep 01, 2010)
Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
CT CORPORATION SYSTEM
111 EIGHTH AVE
13TH FL
NEW YORK, NEW YORK, 10011
Chairman or Chief Executive Officer
STEVEN D BLACK
383 MADISON AVE
NEW YORK, NEW YORK, 10179
Principal Executive Office
J.P. MORGAN SECURITIES INC.
383 MADISON AVE
NEW YORK, NEW YORK, 10179
Registered Agent
C T CORPORATION SYSTEM
111 EIGHTH AVENUE
NEW YORK, NEW YORK, 10011
This office does not record information regarding the names and addresses of officers, shareholders or directors of nonprofessional corporations except the chief executive officer, if provided, which would be listed above. Professional corporations must include the name(s) and address(es) of the initial officers, directors, and shareholders in the initial certificate of incorporation, however this information is not recorded and only available by viewing the certificate.
*Stock Information
# of Shares Type of Stock $ Value per Share
No Information Available
*Stock information is applicable to domestic business corporations.
Name History
Filing Date Name Type Entity Name
OCT 09, 2008 Actual J.P. MORGAN SECURITIES INC.
SEP 03, 1985 Actual BEAR, STEARNS & CO. INC.
A Fictitious name must be used when the Actual name of a foreign entity is unavailable for use in New York State. The entity must use the fictitious name when conducting its activities or business in New York State.
NOTE: New York State does not issue organizational identification numbers.
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NYS Department of State
Division of Corporations
Entity Information
The information contained in this database is current through April 25, 2011.
________________________________________
Selected Entity Name: STRUCTURED ASSET MORTGAGE INVESTMENTS INC.
Selected Entity Status Information
Current Entity Name: STRUCTURED ASSET MORTGAGE INVESTMENTS INC.
Initial DOS Filing Date: DECEMBER 03, 1991
County: NEW YORK
Jurisdiction: DELAWARE
Entity Type: FOREIGN BUSINESS CORPORATION
Current Entity Status: ACTIVE
Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
CT CORPORATION SYSTEM
111 8TH AVENUE
13H FL
NEW YORK, NEW YORK, 10011
Chairman or Chief Executive Officer
JEFFREY MAYER
383 MADISON AVENUE
NEW YORK, NEW YORK, 10179-7200
Principal Executive Office
STRUCTURED ASSET MORTGAGE INVESTMENTS INC.
383 MADISON AVENUE
NEW YORK, NEW YORK, 10179-7200
Registered Agent
C T CORPORATION SYSTEM
111 EIGHTH AVENUE
NEW YORK, NEW YORK, 10011
This office does not record information regarding the names and addresses of officers, shareholders or directors of nonprofessional corporations except the chief executive officer, if provided, which would be listed above. Professional corporations must include the name(s) and address(es) of the initial officers, directors, and shareholders in the initial certificate of incorporation, however this information is not recorded and only available by viewing the certificate.
*Stock Information
# of Shares Type of Stock $ Value per Share
No Information Available
*Stock information is applicable to domestic business corporations.
Name History
Filing Date Name Type Entity Name
JUN 05, 1998 Actual STRUCTURED ASSET MORTGAGE INVESTMENTS INC.
DEC 03, 1991 Actual BEAR STEARNS MORTGAGE SECURITIES INC.
A Fictitious name must be used when the Actual name of a foreign entity is unavailable for use in New York State. The entity must use the fictitious name when conducting its activities or business in New York State.
NOTE: New York State does not issue organizational identification numbers.
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NYS Department of State
Division of Corporations
Entity Information
The information contained in this database is current through April 25, 2011.
________________________________________
Selected Entity Name: STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
Selected Entity Status Information
Current Entity Name: STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
Initial DOS Filing Date: SEPTEMBER 16, 2003
County: NEW YORK
Jurisdiction: DELAWARE
Entity Type: FOREIGN BUSINESS CORPORATION
Current Entity Status: ACTIVE
Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
CT CORPORATION SYSTEM
111 8TH AVE 13TH FLR
NEW YORK, NEW YORK, 10011
Chairman or Chief Executive Officer
JEFFREY LOUIS VERSCHLEISER
383 MADISON AVE
NEW YORK, NEW YORK, 10179-0024
Principal Executive Office
STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
383 MADISON AVE
NEW YORK, NEW YORK, 10179-0024
Registered Agent
C T CORPORATION SYSTEM
111 EIGHTH AVENUE
NEW YORK, NEW YORK, 10011
This office does not record information regarding the names and addresses of officers, shareholders or directors of nonprofessional corporations except the chief executive officer, if provided, which would be listed above. Professional corporations must include the name(s) and address(es) of the initial officers, directors, and shareholders in the initial certificate of incorporation, however this information is not recorded and only available by viewing the certificate.
*Stock Information
# of Shares Type of Stock $ Value per Share
No Information Available
*Stock information is applicable to domestic business corporations.
Name History
Filing Date Name Type Entity Name
SEP 16, 2003 Actual STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
A Fictitious name must be used when the Actual name of a foreign entity is unavailable for use in New York State. The entity must use the fictitious name when conducting its activities or business in New York State.
NOTE: New York State does not issue organizational identification numbers.
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Wells Fargo HSBC Trade Bank 1996 of former Wells Fargo Company prior to marrying Norwest Corp. OCC approved first USA Commercial Trade Bank. Was a big deal. Was it a coincidence that Norwest Corp and former Wells Fargo Co married and all former agreements, joint ventures, registrations survived? and began doing business as the NEW Wells Fargo & Co. They Norwest purchased the tradename! And in 1996 Coincidently the first ‘Norwest Asset Securities Corporation’ SEC Agreements and joint venures creating the largest newly acquired affiliate of Norwest Corporatino – the largest producer of non-conforming mortgage products. You can see why 1998 forward HSBC, BNY and Wells Fargo & Co. and Wells Fargo & Co/MN (formerly Norwest Corp) are the Trojan Horse created to appear American so you would trust your personal and real property and together you would go far!
David Hoyt EVP, Wholesale Banking
Board member of the Shanghai Commercial Bank Ltd.
Welcome To Bank Of Shanghai 2001, the Bank received equity investments from International Finance Corporation (a member of the World Bank Group), Hong Kong and Shanghai Banking …
The Hongkong and Shanghai Banking Corporation –
The Hongkong and Shanghai Banking Corporation Limited
Founding Member of HSBC Group since 1990 is now a sholly owned subsidairy of HSBC Holdings PLC.
HSBC is one of the oldest banking groups in the modern world. The bank is known locally simply as “The Bank”, “Hongkong Bank” and “Lion Bank”.
The creation of the HSBC GroupIn 1980, the Bank, now under the chairmanship of Michael Sandberg acquired a 51% stake in Marine Midland Bank, of the United States of America, and continued its expansion with the establishment of Hongkong Bank of Canada in 1981 and HongkongBank of Australia Limited in 1986. 1987, under the Chairmanship of William Purves, saw the bank’s ownership of Marine Midland Bank increased to 100% and the acquisition of a 14.9% share in Midland Bank in the United Kingdom.
News Release
David Hoyt, Head of Wholesale Banking Testifies Before the House Financial Services Committee and House Small Business Committee
WASHINGTON D.C. — February 26, 2010
Chairwoman Velazquez, Chairman Frank, Ranking Member Bachus, Ranking Member Graves, and Members of the Committee, I’m David Hoyt, Head of Wholesale Banking at Wells Fargo & Company.
Thank you for the opportunity to be here today to discuss lending and credit – topics that are critical to business owners, our business at Wells Fargo, and the economic recovery.
For 158 years, Wells Fargo has focused on working with customers and building long-term relationships in the communities where we do business. As the number one small business, middle market, and commercial real estate lender in America, we have tens of thousands of people in our company dedicated to serving the needs of these business owners.
At Wells Fargo, we have small business lenders throughout the United States located in our 6,600 stores in 39 states. We also have 95 offices nationwide solely dedicated to serving the needs of middle market companies.
Wells Fargo serves more than two million small businesses and has relationships with over 15,000 middle market businesses nationwide. We bank approximately one out of every ten small businesses and one out of every three middle market businesses in the country. When businesses need credit, we are prepared and eager to lend to them.
In many cases we have banking relationships with customers that have spanned multiple economic cycles. We proactively work with borrowers that may be experiencing difficulties and encourage them to have conversations with us as early as possible so that we are able to explore alternatives.
Many business owners in America are hurting. Our recent Wells Fargo/Gallup Small Business Index surveyed in January showed us that business owners’ current financial situation – which in our survey, is comprised of business owners’ perceptions on cash flow, revenues, capital spending, credit availability and job hiring – is at a seven-year low.
At Wells Fargo we are doing our part to get consumers and businesses back on their feet by making credit available to credit-worthy borrowers in the communities where we do business. In 2009, we extended over $40 billion of new credit to our business borrowers.
While credit availability has improved since early 2009, we continue to read media stories and hear directly from business owners who are concerned about being able to obtain the credit they need to run their businesses. We also see that demand for business credit has remained soft through the fourth quarter of 2009.
In our opinion, the reality of weaker loan demand as well as the perception of the lack of availability of credit is rooted in several factors.
First, the economy has taken a toll on the credit and financial capacity of many businesses, reducing their cash flow and capacity to repay debt. At Wells Fargo, we rely on the fundamentals of sound credit underwriting and, as a responsible lender, only extend credit to borrowers that demonstrate the ability to repay it.
Second, asset values have declined from much higher levels which existed at the top of the economic cycle. In particular, the commercial real estate market has seen significant declines – which I will discuss later. Businesses that relied on the value of these assets to borrow can’t borrow as much against them today.
Third, given the uncertainty of the current economic environment, we see our borrowers being more conservative – stocking less inventory and making fewer capital investments – which reduces their need to borrow. On average, utilization rates of our middle market customers’ lines of credit have dropped from normal rates in the 40s to 35 percent.
This behavior is consistent with prior economic cycles and we would expect both line usage and demand for credit to normalize as the economy improves.
Finally – loan structures and terms are more conservative now than at the peak of the economic cycle – and we believe appropriately so. The increasingly aggressive extensions of business credit were partially responsible for the current financial crisis. Borrowers that accessed credit on those terms find the terms of credit extended today more restrictive. We believe that a return to more prudent lending standards is important to a sound financial system.
Turning to the commercial real estate market, we hear a lot of concern about the availability of credit. The commercial real estate industry has been particularly impacted as asset values have decreased significantly leaving many borrowers and lenders in a position where loans exceed the value of the property securing them.
During the last decade, the commercial real estate market saw substantial amounts of liquidity entering the market which reached an all time high in 2007. As a result, valuations increased as investors were willing to accept a lower return on a given stream of cash flow. Returns to investors – which generally had been in the eight to nine percent range historically– dropped to six percent or less – a level which, in our experience, was unsustainable. As the economy slowed, returns reverted to normal levels. Adding to the problem, weaker tenant demand and tenant failures are resulting in a decline of cash flow generated by individual properties. The combination of these issues has resulted in declining property values, in many cases 40 to 45 percent. Lenders and property owners alike are now faced with the difficult reality of significantly lower asset values.
Our recent experience is that there is substantial liquidity available in the market to deal with these issues on a macro level – although these resolutions are often economically painful to individual owners and lenders. In our opinion, this is not a short-term problem and our expectation is that it will take some time for the problem of overvaluation of commercial real estate to work its way through the system.
Being Part of the Solution
There is work to be done and we want to be a part of the solution for individual business owners and the economy in general.
More than ever, our bankers are staying close to their customers to understand and help them with their current circumstances as well as their future borrowing needs.
Over the last year, Wells Fargo hired 1,500 store bankers to service the needs of our customers. We expect to add at least 700 more this year.
When lending to small businesses, we are taking time to re-evaluate the loans we have declined. We take a second look at declined loans because we want to make every good loan we can.
We are also educating small business owners so they can make better financial and credit decisions. Through the education section of our dedicated small business website we offer a comprehensive library of online advice tools including videos covering important business topics such as credit, financing, retirement planning, expense control and revenue growth. Additionally, through Wells Fargo’s Diverse Business Services programs, we are providing outreach and education to the fast-growing women and diverse business owner segments.
We also support provisions in the America’s Recovery and Reinvestment Act of 2009 intended to incentivize small business lending. Specifically, we have found that the fee waivers on the SBA 7(a) and 504 programs, as well as the 90 percent guarantee, have proven to be successful and effective in helping small businesses owners access the credit they need. We encourage Congress to extend the reauthorization and funding of these provisions when they expire at the end of the month.
Moving Forward
There are some positive signs in the market. While loan demand is still soft, it has improved over the last several months.
• Businesses that are applying for credit are generally stronger than a year ago.
• Competition for well-underwritten loan opportunities has increased over the last few months – leading to healthy and strong competition between financial services providers.
• Liquidity in the markets has also improved – particularly in the commercial real estate industry.
• Business owners reported in our last Small Business Index that they are more optimistic about the future and expect future revenues, capital spending and cash flow to improve over the next 12 months.
As we all travel along the road to economic recovery, Wells Fargo maintains our commitment to helping businesses owners – large and small alike – succeed financially.
Madame Chairman, Mr. Chairman and Members of the Committee, thank you and I would be happy to answer questions.
###
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© 1999 – 2010 Wells Fargo. All rights reserved.
HOYT DAVID A (0001201226)
State location:
Mailing Address
WELLS FARGO
420 MONTGOMERY ST 12TH FLOOR
SAN FRANCISCO CA 94104
Ownership Reports for Issuers: (Click on issuer name to see other owners for the issuer, or CIK for issuer filings.)
Issuer
Filings
Transaction Date
Type of Owner
WELLS FARGO & CO/MN
0000072971
2010-02-26 officer: Sr. Executive Vice President
Hoyt David A
2/15/94 2/24/11 001-02979
Wells Fargo
420 Montgomery St 12th Floor
San Francisco, California 94104
SEC CIK 1201226
2 Owner Relationships
5/16/03 2/24/11 4 Wells Fargo & Co/MN [ formerly Norwest Corp ]
2/12/10 2/10/11 5 Wells Fargo & Co/MN [ formerly Norwest Corp
44 Affiliate Relationships (based upon SEC Files: Parents / Subs., Directors / Officers, et al.)
Last Filing Registrant
3/3/11 Atkins Howard I
4/11/11 Baker John D II
3/10/08 Blanchard John A III
4/6/11 Callahan Patricia R
3/9/11 Carroll David M
4/5/11 Chen John S
5/2/07 Circe-Good Finacial
4/4/11 Dean Lloyd H
4/25/11 Edwards Webb
4/22/11 Engel Susan E
3/17/11 Hernandez Enrique Jr
4/4/11 James Donald M
1/20/11 Joss Robert L
5/28/10 King Reatha C
2/26/11 Kovacevich Richard M
3/17/11 Levy Richard
3/17/11 Loughlin Michael J
5/2/07 Macbeth Manhatton
4/15/11 McCormick Richard D
4/1/11 McDonald Mackey J
4/25/11 Milligan Cynthia
3/17/11 Modjtabai Avid
3/2/11 Montoya Benjamin F
4/4/11 Moore Nicholas G
3/7/06 Munio David J
2/24/11 Oman Mark C
4/22/11 Quigley Philip
2/10/11 Rhein Kevin A
6/3/10 Rice Donald B
4/25/11 Runstad Judith M
4/5/11 Sanger Stephen W
4/25/11 Sloan Timothy J
4/28/10 Steel Robert King
3/17/11 Strother James M
1/12/04 Stroup Stanley S
2/24/11 Stumpf John G
4/28/10 Swenson Susan
3/17/11 Tolstedt Carrie L
4/25/11 Wells Fargo & Co/MN [ formerly Norwest Corp ]
8/24/01 Wells Fargo Capital IV
4/24/07 Wells Fargo Capital V
4/24/07 Wells Fargo Capital VI
12/2/09 White Julie M
4/22/11 Wright Michael W
2 Filing Agents Have Made Filings For Hoyt David A:
Last Filing Filing Agent¹
2/24/11 Restricted Stock Systems Inc/FA
2/26/09 Singley Robert S/FA
________
Restricted Stock Systems Inc/FA
412 Wall Street
Princeton 08540
IRS 134133727 or 13-4133727
SEC CIK# 1127602
Data Last Changed: 1/8/03
609-430-7400
————————
Robert S Singley Filing Agent…
Mark C. Oman
Registrant
One Home Campus X2401-06x
Des Moines, Iowa 50328
U.S.A.
Wells Fargo & Co/MN
Formerly Assigned On
Norwest Corp 7/3/92
Northwest Bancorporation 5/16/83
Office Address
420 Montgomery Street
San Francisco, California 94163
U.S.A. Wells Fargo & Company
420 Montgomery Street
San Francisco, California 94163
U.S.A.
Phone Number Incorporated In IRS Number Fiscal-Year End SEC CIK #
1-612-667-1234 Delaware, U.S.A. 41-0449260 12/31 72971
Symbol WFC
CUSIP/CINS/PPN Issuer #
949746
4/17/09 3 Wachovia Preferred Funding Corp
6/4/03 2/24/11 4 Wells Fargo & Co/MN
[ formerly Norwest Corp ]
54 Affiliate Relationships (based upon SEC Files: Parents / Subs., Directors / Officers, et al.)
Last Filing Registrant
12/15/08 Alward James Edwin
3/3/11 Atkins Howard I
4/11/11 Baker John D II
3/10/08 Blanchard John A III
4/6/11 Callahan Patricia R
2/24/11 Carlson Peter M
3/9/11 Carroll David M
4/5/11 Chen John S
5/2/07 Circe-Good Finacial
4/4/11 Dean Lloyd H
4/25/11 Edwards Webb
4/22/11 Engel Susan E
9/16/08 Griffin Joel Justin
3/17/11 Hernandez Enrique Jr
8/6/09 Hoover Howard
2/24/11 Hoyt David A
4/4/11 James Donald M
6/11/09 Jones Charles Fleming
1/20/11 Joss Robert L
5/28/10 King Reatha C
2/26/11 Kovacevich Richard M
3/17/11 Levy Richard
3/17/11 Loughlin Michael J
5/2/07 Macbeth Manhatton
4/15/11 McCormick Richard D
4/1/11 McDonald Mackey J
4/25/11 Milligan Cynthia
3/17/11 Modjtabai Avid
3/2/11 Montoya Benjamin F
4/4/11 Moore Nicholas G
3/7/06 Munio David J
4/22/11 Quigley Philip
2/10/11 Rhein Kevin A
6/3/10 Rice Donald B
4/25/11 Runstad Judith M
4/5/11 Sanger Stephen W
4/25/11 Sloan Timothy J
4/28/10 Steel Robert King
3/17/11 Strother James M
1/12/04 Stroup Stanley S
2/24/11 Stumpf John G
4/28/10 Swenson Susan
3/17/11 Tolstedt Carrie L
2/16/10 Wachovia Bank National Association
3/4/11 Wachovia Corp New [ formerly First Union Corp ]
4/11/11 Wachovia Preferred Funding Corp
12/13/03 Wachovia Preferred Funding Holding Corp
4/25/11 Wells Fargo & Co/MN [ formerly Norwest Corp ]
8/24/01 Wells Fargo Capital IV
4/24/07 Wells Fargo Capital V
4/24/07 Wells Fargo Capital VI
12/2/09 White Julie M
4/22/11 Wright Michael W
10/2/08 Wurtz Thomas J
SEC File 1-02979 Wells Fargo & Co/MN
[ formerly Norwest Corp ] ·
Sloan Timothy J ·
Runstad Judith M ·
Milligan Cynthia ·
Quigley Philip ·
Engel Susan E ·
Callahan Patricia R ·
Sanger Stephen W ·
Moore Nicholas G ·
McCormick Richard D ·
James Donald M ·
Dean Lloyd H ·
Chen John S ·
Baker John D II ·
Tolstedt Carrie L ·
Strother James M ·
Modjtabai Avid ·
Loughlin Michael J ·
Levy Richard ·
Carroll David M ·
Stumpf John G ·
Oman Mark C ·
Hoyt David A ·
Rhein Kevin A ·
Hernandez Enrique Jr ·
Atkins Howard I ·
Swenson Susan ·
Steel Robert King ·
McDonald Mackey J ·
Kovacevich Richard M ·
White Julie M ·
Joss Robert L ·
Rice Donald B ·
Wright Michael W ·
Circe-Good Finacial ·
Macbeth Manhatton ·
King Reatha C ·
Munio David J ·
Edwards Webb ·
Blanchard John A III ·
Montoya Benjamin F ·
Stroup Stanley S
Affiliate Files: 001-02979-01, -02, -03
10K’s of Wells Fargo & Co/MN for Loan Trusts, Trust Funds not CEO or CFO. The Filing Agent is inhouse (Norwest Asset Sec…..1998-1 Trust) formerly Norwest….. 25,837…. WOW!
Question:
Pete Wissinger came from Norwest Corp one of the gold old boys you see above with Mark Oman.
Pete Wissinger Latest Filing 3/31/04 as Signatory on SEC for 197 Registrants includes
Abfc Mortgage Loan Asset Backed Cert Series 2003-Wf1
Abfc Mortgage Loan Asset Backed Certificates Series 2002 Wf2
Ace Securities Corp Hm Equity Ln Trust Ser 2003-He1
Ace Securities Corp Home Eq Ln Tr Se 02 He3 As Bk Ps Tr Crt
Ace Securities Corp Home Equity Loan Trust Series 2002-He2
Asset Backed Funding Corp 2002 Wf1 Trust
Banc of America Funding Corp Mort Pas Thr Certs Ser 2003 1
Bayview Financial Sec Co LLC Mort Pass Thr Certs Ser 2003 D
Bear Stearns Alt A Trust 2003-2
Bear Stearns Arm Trust 2002-7
Bear Stearns Arm Trust 2003-4
Bear Stearns Arm Trust 2003-5
Bear Stearns Arm Trust Mort Pass Thr Certs Ser 2003-6
Bear Stearns Arm Trust Mortgage Pass Thr Cert Ser 2001-10
Bear Stearns Arm Trust Mortgage Pass Thr Cert Series 2002-3
Bear Stearns Arm Trust Mortgage Pass Thro Cert Series 2002-8
Bear Stearns Arm Trust Mortgage Pass Through Cert 2003-1 [ formerly Structured Asset Mort Invest Inc Mort Pas Thr Certs Ser 03 1 ]
Bear Stearns Arm Trust Mortgage Pass Through Cert Ser 2001-5
Bear Stearns Arm Trust Mortgage Pass Through Cert Ser 2001-6
Bear Stearns Arm Trust Mortgage Pass Through Cert Ser 2001-8
Bear Stearns Arm Trust Mortgage Pass Through Cert Ser 2001-9
Bear Stearns Arm Trust Mortgage Pass Thru Cert Sers 2002-5
Bear Stearns Arm Trust Mortgage Pass-Thro Cert Series 2001-3
Bear Stearns Arm Trust Mortgage Pass-Thro Cert Series 2001-4
Bear Stearns Arm Trust Mortgage Pass-Through Cert Ser 2001-1
Bear Stearns Asset Backed Cert Sers 2002-2
Bear Stearns Asset Backed Certificates Series 2003-1
Bear Stearns Asset Backed Certificates Series 2003-2
Bear Stearns Asset Backed Sec Tr Asset Back Cert Ser 2002-1
Bear Stearns Asset Backed Securities Trust 2001-2
Bear Stearns Asset Backed Securities Trust 2003-Sd1 [ formerly Bear Stearns Asset Backed Sec Inc Asset Back Cert Se 03 Sd1 ]
Bear Stearns Asset Backed Securities Trust 2003-Sd2
Bear Stearns Asset Backed Securities Trust 2003-Sd3
Citigroup Mort Ln Tr Asst Back Ps Thr Certs Ser 2003-He3
Citigroup Mort Loan Trust Inc Mort Pas Thr Cert Se 03 1
CSFB Mort Backed Pass Through Certs Series 2003 Ar22
CSFB Mortgage Acceptance Corp Mort Back Cert Ser 2003-1
CSFB Mortgage Backed Pass Thr Certs Ser 2003-17
CSFB Mortgage Backed Pass Thr Certs Ser 2003-Ar26
CSFB Mortgage Backed Pass Through Certs Series 2003-8
CSFB Mortgage Backed Pass Thru Cert Ser 2003-27
CSFB Mortgage Sec Corp Hm Eq Pass Thr Certs Ser 2003-7
CSFB Mortgage-Backed Pass Through Certs Ser 2003 29
CSFB Mortgage-Backed Pass-Through Cert Series 2003-10
CSFB Mortgage-Backed Pass-Through Certs Series 2003-Ar24
GS Mortgage Pass Through Certificates Series 2003-13
GS Mortgage Pass-Through Certificates Series 2003-5f [ formerly Mortgage Pass-Through Certificates Series 2003-5f ]
GS Mortgage Sec Corp Mort Pass Thr Certs Ser 2003-3f
GS Mortgage Sec Corp Mort Pass Thr Certs Ser 2003-Sea2
GS Mortgage Sec Corp Mortgage Pass Thr Certs Ser 2003-10
GS Mortgage Securities Corp Gsr Mort Loan Tr 2003-7f
GS Mortgage Securities Corp Gsrpm Mor Loan Tr 2003-2
GS Mortgage Securities Corp Loan Trust 2003-6f
GS Mortgage Securities Corp Mort Pas Thr Certs Ser 2002-10
GS Mortgage Securities Corp Mort Pass Thr Ce Ser 2002-11f
GSR Mortgage Loan Trust 2001-1
GSR Mortgage Loan Trust 2002-3f
GSR Mortgage Loan Trust 2002-4
Home Equity Pass-Through Certificates Series 2003-8
JP Morgan Mortgage Trust 2003-A2
Mastr Adjustable Rate Mortgages Trust 2002-2 [ formerly Mortgage Asset Sec Trans Inc Mor Pass Thr Cer Ser 2002-2 ]
Mastr Asset Securitization Trust 2003-1
Mastr Asset Securitization Trust 2003-10
Mastr Seasoned Securitization Trust 2003-1
Merrill Lynch Mortgage Investors Inc Mor Pa Thr Ce Se 2002-H
Mortgage Asset Sec Tr Mstr Alt Ln Tr Mt Ps Thr Ct Sr 2003-3
Mortgage Asset Sec Trans Alter Ln Ser 2003-4 [ formerly Mortgage Asset Sec Trans Inc Mort Pass Thr Certs Ser 2003-4 ]
Mortgage Asset Sec Trans Inc Mastr Adj Rate Mort Tr 2002 3
Mortgage Asset Sec Trans Inc Mastr Alt Loan Tr 2003-5
Mortgage Asset Sec Trans Inc Mastr Alt Loan Trust 2003-6
Mortgage Asset Sec Trans Inc Mastr Alt Loan Trust 2003-7
Mortgage Asset Sec Trans Inc Mastr Asset Sec Tr 2002 5
Mortgage Asset Sec Trans Inc Mastr Asset Sec Tr 2003 11
Mortgage Asset Sec Trans Inc Mort Pas Thr Certs Se 2003 9
Mortgage Asset Sec Trans Inc Mort Pass Thr Cert Ser 2002-3
Mortgage Asset Sec Trans Inc Mort Pass Thr Cert Ser 2002-6
Mortgage Asset Sec Trans Inc Mort Pass Thr Cert Ser 2002-7
Mortgage Asset Sec Trans Inc Mort Pass Thr Cert Ser 2002-8 [ formerly Mortgage Aset Sec Trans Inc Mort Pass Thr Cert Ser 2002-4 ]
Mortgage Asset Sec Trans Inc Mort Pass Thr Certs Ser 2003-6
Mortgage Asset Sec Trans Inc Mrt Ps Thr Certs Ser 2003-3
Mortgage Asset Sec Trans Incmastr Asset Sec Tr 2003 7
Mortgage Asset Sec Trans Mastr Pass Thru Ser 2003-5
Mortgage Asset Sec Transactions Inc Mastr Asset Sec Tr 03 2
Mortgage Asset Seczt Trans Inc Mort Pass Thru Certs 2003-8
Mortgage Assset Sec Trans Inc Mastr Alternative Loan 2002-2
Mortgage Pass-Through Certificates Series 2003-18
Mortgage Pass-Through Certificates Series 2003-37a
Mortgage Pass-Through Certificates Series 2003-4
Mortgage Pass-Through Certificates Series 2003-4f
Mortgage Pass-Through Certificates Series 2003-8
Nomura Asset Acc Corp Alter Ln Tr Ser 2003-A3
Struct Ass Mort Inv Inc Bs Alta Mort Pas Thr Cer Ser 2003 1
Structured Asset Inv Loan Mort Pass Thr Certs Ser 2003-Bc6 [ formerly Structured Asset Sec Corp Mort Pass Thr Certs Ser 2003-Bc6 ]
Structured Asset Inv Loan Mort Pass Thru Cer Ser 2003-Bc7 [ formerly Structured Asset Sec Corp Mor Pss Thru Cer Ser 2003-Bc7 ]
Structured Asset Investment Loan Trust 2003-Bc1 [ formerly Structured Asset Sec Corp Mort Passthr Certs Ser 2003 Bc1 ]
Structured Asset Investment Loan Trust 2003-Bc2
Structured Asset Mort Inv II Inc Bear Stearns Arm Trust 03-7
Structured Asset Mort Inv Inc Bear Stearns Alt A Tr 03 4
Structured Asset Mort Inv Inc Bear Stearns Arm Trust 2002-11
Structured Asset Mort Inv Inc Bear Stearns Arm Trust 2002-12
Structured Asset Mort Inv Inc Bear Stearns Arm Trust 2003 3
Structured Asset Mort Inv Inc Mort Pass Thr Cert Ser 1999-1
Structured Asset Mort Inv Inc Thornburg Mort Sec Tr 2003-2
Structured Asset Mort Invest Inc Mort Pas Thr Cert Se 03 Cl1
Structured Asset Mortgage Investments Trust 2000-1
Structured Asset Sec Corp Mort Back Ps Thr Cert Ser 2003-3xs
Structured Asset Sec Corp Mort Pas Thr Cert Ser 2002 4h
Structured Asset Sec Corp Mort Pas Thr Certs Ser 2003 Bc10
Structured Asset Sec Corp Mort Pas Thr Certs Ser 2003 Bc8
Structured Asset Sec Corp Mort Pas Thr Certs Ser 2003 Bc9
Structured Asset Sec Corp Mort Pas Thr Certs Series 2003-7h
Structured Asset Sec Corp Mort Pass Thr Cert Ser 2002-18a
Structured Asset Sec Corp Mort Pass Thr Cert Ser 2002-26
Structured Asset Sec Corp Mort Pass Thr Cert Ser 2002-3
Structured Asset Sec Corp Mort Pass Thr Cert Ser 2002-Bc1
Structured Asset Sec Corp Mort Pass Thr Cert Ser 2002-Bc2
Structured Asset Sec Corp Mort Pass Thr Cert Ser 2002-Bc7
Structured Asset Sec Corp Mort Pass Thr Cert Ser 2003-Bc13
Structured Asset Sec Corp Mort Pass Thr Certs Ser 2002 7
Structured Asset Sec Corp Mort Pass Thr Certs Ser 2002 Bc4
Structured Asset Sec Corp Mort Pass Thr Certs Ser 2003 24a
Structured Asset Sec Corp Mort Pass Thr Certs Ser 2003-22a
Structured Asset Sec Corp Mort Pass Thr Certs Ser 2003-Bc11
Structured Asset Sec Corp Mort Pass Thr Certs Ser 2003-Bc5
Structured Asset Sec Corp Mort Pass Through Cert Ser 2002-1a
Structured Asset Sec Corp Mort Passthr Certs Ser 2003-38
Structured Asset Sec Corp Pass Thr Cert Ser 2002 Bc3
Structured Asset Sec Mort Pass Thru Cert Ser 2002-22h
Structured Asset Securities Co Mor Pass-Thr Cer Ser 2002-19
Structured Asset Securities Corp Mor Pa Th Ce Se 2002-13
Structured Asset Securities Corp Mor Pas Thr Cer Ser 2002-8a
Structured Asset Securities Corp Mort Back Notes Ser 2002 9
Structured Asset Securities Corp Mort Pas Thr Cert Se 03 2a
Structured Asset Securities Corp Mort Pas-Thr Cert Ser 2002-
Structured Asset Securities Corp Series 2003-23h
Thornburg Mortgage Securities Trust 2002-2
Thornburg Mortgage Securities Trust 2002-3
Thornburg Mortgage Securities Trust 2003 5 [ formerly Structured Asset Mort Inv II Inc Thornburg Mort Sec Tr 03 5 ]
Wells Fargo Alternative Loan 2002-1 Trust
Wells Fargo Asset Sec Corp Mor Backed Ser 2003-H Trust
Wells Fargo Asset Sec Corp Mor Backed Series 2003-13
Wells Fargo Asset Sec Corp Morgage Asset Sec 2002-D Trust
Wells Fargo Asset Sec Corp Mort Backed Sec 2002-22 Trust
Wells Fargo Asset Sec Corp Mort Bk Sec 2002-11 Trust
Wells Fargo Asset Sec Corp Mort Pa Thr Cert Series 2003-C
Wells Fargo Asset Sec Corp Mort Pas Thr Cert Ser 2003 16
Wells Fargo Asset Sec Corp Mort Pas Thr Certs Ser 2003 12
Wells Fargo Asset Sec Corp Mort Pas Thr Certs Ser 2003 N
Wells Fargo Asset Sec Corp Mort Pass Thr Cert Ser 2002 F
Wells Fargo Asset Sec Corp Mort Pass Thr Cert Ser 2002-12
Wells Fargo Asset Sec Corp Mort Pass Thr Cert Ser 2002-20
Wells Fargo Asset Sec Corp Mort Pass Thr Cert Ser 2003-2
Wells Fargo Asset Sec Corp Mort Pass Thr Cert Series 2002-1
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003 10
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-1
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-11
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-14
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-5
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-7
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-9
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-A
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-I
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-K
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Ser 2003-L
Wells Fargo Asset Sec Corp Mort Pass Thr Certs Series 2003-8
Wells Fargo Asset Sec Corp Mort Ser 2003-M
Wells Fargo Asset Sec Corp Mortgage Pass Thr Cert Ser 2003-D
Wells Fargo Asset Sec Mor Backed Ser 2003-J Trust
Wells Fargo Asset Securites Corp 2003-G [ formerly Mortgage Pass-Through Certificates Series 2003-G ]
Wells Fargo Asset Securities Corp Mor Pas Thr Cer Se 2002-16
Wells Fargo Asset Securities Corp Mor Passthr Cer Ser 2003-6
Wells Fargo Asset Securities Corp Mort Ba Sec 2002-4 Trust
Wells Fargo Asset Securities Corp Mort Back Trust 2003-15
Wells Fargo Asset Securities Corp Mort Bk Sec 2002-10 Trust
Wells Fargo Asset Securities Corp Mort Bk Sec 2002-15 Trust
Wells Fargo Asset Securities Corp Mort Pas Thr Cert Se 02 19
Wells Fargo Asset Securities Corp Mort Pas Thr Cert Ser 03 3
Wells Fargo Asset Securities Corp Series 2002-E
Wells Fargo Mortgage Back Securities 2003-4 Trust
Wells Fargo Mortgage Back Securities 2003-E
Wells Fargo Mortgage Backed Securities 2002 6 Trust
Wells Fargo Mortgage Backed Securities 2002 7 Trust
Wells Fargo Mortgage Backed Securities 2002 9 Trust
Wells Fargo Mortgage Backed Securities 2002-13 Trust
Wells Fargo Mortgage Backed Securities 2002-14 Trust
Wells Fargo Mortgage Backed Securities 2002-17 Trust
Wells Fargo Mortgage Backed Securities 2002-18 Trust
Wells Fargo Mortgage Backed Securities 2002-2 Trust
Wells Fargo Mortgage Backed Securities 2002-5 Trust
Wells Fargo Mortgage Backed Securities 2002-8 Trust
Wells Fargo Mortgage Backed Securities 2002-A Trust
Wells Fargo Mortgage Backed Securities 2002-B Trust
Wells Fargo Mortgage Backed Securities 2002-C Trust
Wells Fargo Mortgage Backed Securities 2003-1 Trust
Wells Fargo Mortgage Backed Securities 2003-B Trust
Wells Fargo Mortgage Backed Securities Series 2002-3 [ formerly Mortgage Pass Through Certificates Series 2002-3 ]
Wells Fargo Mortgage Pass Thru Cer Ser 2003-F
IA -> FL 7/19/1978
GMAC Mortgage Corporation of Iowa dba Norwest Mortgage, Inc.
Withdrawal 11/28/1994
ATTN: GLEN W. SNYDER, CORPORATE COUNSEL
GMAC MORTGAGE CORP OF PA/8360 OLD YORK RD
MN -> FL Norwest Mortgge
ELKINS PARK PA 19027
Changed 11/28/1994
Officer/Director Detail
Name & Address
Title PCEO
KORELL, MARK L
8400 NORMANDALE LAKE BLVD
MINNEAPOLIS MN
Title VP
MURPHY, ROBERT T
8360 OLD YORK ROAD
ELKINS PARK PA
Title VPS
SNYDER, GLEN
8360 OLD YORK ROAD
ELKINS PARK PA
Title C
THOMAS, GEOFFREY C
8360 OLD YORK RD
ELKINS PARK PA
Title SVP
O’BRIEN, R. MICHAEL
8360 OLD YORK ROAD
ELKINS PARK PA
Title D
WESSEL, GOERGE
3451 HAMMOND AVENUE
WATERLOO IO
————————–
New York State
Current Entity: GMAC Mortgage Corporation of Iowa
12/28/1989; aka Norwest Mortgage, inc.
Born on July 1, 1983
Jurisdiction IOWA
Foreign Business Corp
Inactive October 19, 1994
_______________________________________
New York State
Norwest Mortgage, Inc.
Created 8/1/1990
County NY
Jurisdiction Minnesota
Inactive 12/18/1985
Mark C. Oman
405 S W Fifth St
Des Moines IA 50309
Principal Office:
Noirwest Mortgage Inc.
same address
CEO Geoffrey C. Thomas
8360 Old York Rd
Elkins Park PA 19117
____________________________
Wells Fargo Home Mortgage, inc.
Inactive Termination 6/22/2004
Merged out of existence
All Mortgage corporation business to be done inside of ‘Wells Fargo Bank, National Association, Sioux Falls SD?
Chairman CEO
Peter J. Wissinger
1 Home Capus
MAC X2401-049
Des Moines Iowa 50328
1/2/1992 – Directors Mortgage Corp
12/28/1995 – Norwest Mortgage Inc.
4/28/2000 Renamed to Wells Fargo Home Mortgage, Inc. a general purpose business entity
Jurisdication California
————————————–
Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA whoever that may be (a division).
All employees who did business as Wells Fargo Home Mortgage employees were ‘pretender lenders’ who took your property by deception into a supply chain for MEMBERS ONLY and made deals using your asset for their benefit not yours.
A Major problem of Bank Secrecy Act how? Negligence…. unless … it was not a bank?
_____________________________________
Norwest Mortgage of New York, Inc.
Created 11/13/1991
County NY
Jurisdiction NY
Domestic Business Corp
Dissolution 4/8/2003
Oh My!
100,000 Shares Stock. Stock was left for (1) Owner when Wells Fargo Home Mortgage, inc. was merged out of existence.
Easy view of documents on Business Entity Search SD, inactive ‘Wells Fargo Home Mortgage, Inc., go to view all documents from creation and you’ll see OCC letters, John Stumpf and Candance…
——————————————————————
http://appext9.dos.state.ny.us/corp_public/CORPSEARCH.SELECT_ENTITY
CEO Peter J. Wisinger
1 Home Capus
Des Moines Iowa 50328
Wells Fargo Home Mortgage Inc.
1 Home Campus
MAC 2401-049
Des Moines IA 50328
CSC
80 State ST
Albany NY 21107
Let’s see Bet Belfield Officer 655 Registrants for Wells Fargo Bank NA, Sioux Falls SD
part of Wells Fargo & Co/MN formerly known as Norwest Corporation (you know prior to 11/2/98)
Filed by the most interesting Filing Agent of them all on all of the dirty deeds 10K’s where Wells FArgo Bank NA is TRUTSEE moving currency to the window:
Norwest Asset Sec Corp Mort Ps Thr Cert Ser 1998-1 Trust – with 25,837 FILINGS!!!!
Registrant
Office Address Map… Mail Address Map…
C/O Norwest Bank Minnesota N A
1100 Broken Land Parkway
Columbai, Maryland 21703
U.S.A. Norwest Bank Minnesota N A
1100 Broken Land Parkway
Columbai, Maryland 21703
U.S.A.
Phone Number Incorporated In IRS Number Fiscal-Year End SEC CIK #
1-301-696-7900 New York, U.S.A. – 12/31 1056404
SIC Code Industry Source As Of
6189 Asset-Backed Securities (ABSs) SEC 12/20/99
Remember I’ve shared and will continue to share until someone hears me… Hello CONGRESS ANYONE HOME?
Anytime Congressman Scott Garrett you say No and I say Why and you say I don’t know…. Ohhhhh but I do and would that be a problem for you? Word on the streets is that Congressman Scott Garrett wants to be Barney Frank.
3/10/11 Wells Fargo Asset Securities Corp [ formerly Norwest Asset Securities Corp ]
OK in 1996, Norwest Corporation announced their newly acquired affiliate (largest producer of non-conforming mortgage products) … Norwest Asset Securities Corp was renamed to Wells Fargo Asset Securities Corp.
All of the UNIQUE consumer transactions where money pushed ot the window filings are not public rather private thru this uniqe Norwest Asset Sec….Trust. Unless you click on the name you’d never know and unless you click on Registrant you’d never know. And unless you studied Wells Fargo & Co. on the SEC and FFIEC you’d never know. Am I showing off. You bet. Am I in stranger danger you bet!
Registrant
Formerly Assigned On
Norwest Asset Securities Corp 7/17/96
Norwest Asset Securties Corp 6/11/96
Office Address Map… Mail Address Map…
7485 New Horizon Way
Frederick, Maryland 21703
U.S.A. 7485 New Horizon Way
Frederidk, Maryland 21703
U.S.A.
Phone Number Incorporated In IRS Number Fiscal-Year End SEC CIK #
1-301-846-8881 Delaware, U.S.A. 52-1972128 12/31 1011663
SIC Code Industry Source As Of
6189 Asset-Backed Securities (ABSs) SEC 3/10/11
Registration to sell securities offering.
http://www.secinfo.com/dRqWm.95ph.d.htm
For those who may be interested in Article of Incorporation / Organization By-Laws filed 4/3/96
Filing Agent Merril Corp.
http://www.secinfo.com/d1Z7kr.vr6.htm#1stPage
NORWEST ASSET SECURITIES CORPORATION
(Exact name of registrant as specified in governing instruments)
11000 BROKEN LAND PARKWAY
COLUMBIA, MARYLAND 21044-3562
(410) 884-2000
(Address of principal executive offices)
STEPHEN D. MORRISON, ESQ.
PRESIDENT AND SECRETARY
NORWEST ASSET SECURITIES CORPORATION
C/O NORWEST MORTGAGE, INC.
405 SOUTHWEST 5TH STREET
DES MOINES, IOWA 50328
(515) 221-7520
(Name and address of agent for service)
————————–
COPIES TO:
JORDAN M. SCHWARTZ, ESQ.
CADWALADER, WICKERSHAM & TAFT
100 MAIDEN LANE
NEW YORK, NEW YORK 10038
(212) 504-6000
————————–
If any of the securities being registered on this form are to be offered on
a delayed or continuous basis pursuant to Rule 415 under the Securities Act of
1933, please check the following box. /X/
———————————————
Prospectus Supplement
Title of Securities: Mortgage Pass-Through Certificates, Series 199-Certificates (the “Series 199- Certificates” or the “Certificates”).
Seller: Norwest Asset Securities Corporation
Participant: Norwest Mortgage, Inc.
Servicing Servicers – Norwest Mortgage and
Correspondents
Master Servicer- Norwest Bank Minnesota, National Association “Norwest Bank” is a direct, wholly owned subsidiary of Norwest Corporation and is an affiliate of the SELLER.
Master Servicer will
(a) monitor certain aspects of the servicing of the mortgagre loans
(b) cause the mortgage loans to be servied in the event that a Servicer is terminated and a successor Servicer is not appointed,
(c) provide administrative services with respect to the Certificates,
(d) provide certain reports to the Trustee regarding the Mortgage Loans and the Certificates
(e) made advances, to th eextent described herein with respect ot the Mortgage Loans if a SERVICER other than Norwest Mortgage fails to make a required advance. The Master Servicer will be entitled to
(i) a monthly Master Servicing FEE with respect to each Mortgage Loan, payable on each Distribution Date, in an amount equal to one-twelfth of a fixed percentage per annum multiplied by the Scheduled principal balance of such Mortgage Loan…
Trustee: A National Banking Assocaition
In addition to performing the normal duties of trusee with respect to the Certificates, make advances to the extent described herin, with respect to the Mortgage Loans if Norwest Mortgage is Servicer, as Servicer, fails to make a required adevance.
It is a condition to the issuance that the Rating of the Certificates offered by this Prospectus Supplement and the Prospectus that they shall ‘have been’ rated (Aaa by Moody’s Investors Service, ind
“AAA” by Fitch Investors Service, LP
Duff & Phelps Credit Rating Co
and AAA and AAAr by Standard and Poors and Aa by Moody’s…..
Important sorry copied entire DTC section for this is how the 1996 joint ventures creating the largest producer of non-conforming mortgage products happenstanced:
BOOK-ENTRY FORM.
The Offered Certificates, other than the Class A-R, Class AP and Class M Certificates, will be issued in book-entry form, through the facilities of The Depository Trust Company (“DTC”).
These Certificates are referred to collectively in this Prospectus Supplement as the “Book-Entry Certificates.”
An investor in a Subclass of Book-Entry Certificates will not receive a physical certificate representing its ownership interest in such Book-Entry Certificates, except under extraordinary circumstances which are discussed in “Description of the Certificates — Book-Entry Form” in the Prospectus.
Instead, DTC will effect payments and transfers by means of its electronic recordkeeping services, acting through certain participating organizations. This may result in certain delays in receipt of distributions by an investor and
may restrict an investor’s ability to pledge its
securities.
The rights of investors in the Book-Entry Certificates may generally only be exercised through DTC and its participating organizations. See “Description of the Certificates — Denominations” and “– Book-Entry
Form” in this Prospectus Supplement and “Description of the Certificates — Book-Entry Form” in the Prospectus.
DEFINITIVE FORM. The Class A-R, Class AP and Class M Certificates will each be issued as Definitive Certificates. See “Description of the Certificates — Denominations” and “– Definitive Form” in this Prospectus Supplement and “Description of the
Certificates — Definitive Form” in the Prospectus.
ORTGAGE LOAN DATA.
The Mortgage Loans, which are the
source of distributions to holders of the Series 199 -Certificates, will consist of conventional, …,
residential first mortgage loans, having
original terms to stated maturity of approximately
years, which may include loans secured by shares issued by cooperative housing corporations.
The Mortgage Loans are expected to have the further specifications set
forth in the following table and under the heading “Description of the Mortgage Loans” in this Prospectus Supplement.
Underwriting Standards: Norwest Mortgage Underwritten Loans were generally originated in conformity with Norwest Mortgage’s underwriting standards applied either by Norwest Mortgage or Correspondents to whom Norwest Mortgage had delegated all underwriting functions.
Norwest mortgage’s underwriting standards may have been granted by:
Norwest Mortgage … in the Prospectus.
The Mortgage Loans will have been reviewed by
General Electric Mortgage Insurance Corporation (“GEMICO”) and
United Guarranty Residential Insurance Co (“UGRIC”) respectifely, to ensure compliance with their respective credit, appraisal and underwriting standards.
Neither the Series 199-Certificates nor the Mortgage Loans are insured or guaranteed under a mortgage pool insurance policy issued by GEMICO or UGRIC.
The Pool Certification Underwritten Loans were evaluated by Norwest Mortgage using credit scoring ….rewritten by Norwest Mortgage….re-underwritten.
The BULK PURCHASE UNDERWRITTEN LOANS were purchased by Norwest Mortgage from one or more Correspondents and were underwritten ….
Credit Enhancements:
Shifting-Interest Subordination
In general, the protection afforded the holders of the Senior Certificates by means of this subordination will be effected in two ways: (i) by the preferential right of the holders of the Senior Certificates to receive, prior to any distribution being
Trust Estate as a real estate mortgage investment conduit (the “REMIC”) for federal income tax purposes.
The Regular Certificates (as defined herein) generally will be treated as newly originated debt instruments for federal income tax purposes. Beneficial owners of the Regular Certificates will be required to report income thereon in accordance with the accrual method of
accounting.
Legal Investment…………….
[The Offered Certificates will constitute “mortgage related securities” for purposes of the Secondary Mortgage
Market Enhancement Act of 1984 (the “Enhancement Act”) so
long as they are rated in one of the two highest rating categories by at least one nationally recognized statistical rating organization.
As such, the Offered Certificates are legal investments for certain entities to
the extent provided in such act.
However, there are regulatory requirements and considerations applicable to
regulated financial institutions and restrictions on the ability of such institutions to invest in certain types of mortgage rated securities.]
[The Offered Certificates will
not constitute “mortgage related securities” under the Secondary Mortgage Market Enhancement Act of 1984 (the “Enhancement Act”).
Each Subclass of the Book-Entry Certificates initially will be represented
by one physical certificate registered in the name of Cede & Co. (“Cede”), as
nominee of DTC, which will be the “holder” or “Certificateholder” of such
Certificates, as such terms are used herein. No person acquiring an interest in
the Book-Entry Certificates (a “Beneficial Owner”) will be entitled to receive a
Definitive Certificate representing such person’s interest in the Book-Entry
Certificates, except as set forth under “Description of the Certificates —
Book-Entry Form” in the Prospectus.
USE OF PROCEEDS
The net proceeds from the sale of each Series of Certificates will be used
by the Seller for the purchase of the Mortgage Loans represented by the
Certificates of such Series from Norwest Mortgage. It is expected that Norwest
Mortgage will use the proceeds from the sale of the Mortgage Loans to the Seller
for its general business purposes, including, without limitation, the
origination or acquisition of new mortgage loans and the repayment of borrowings
incurred to finance the origination or acquisition of mortgage loans, including
the Mortgage Loans underlying the Certificates of such Series.
/s/ STEPHEN D. MORRISON President
Norwest Integrated Structured Assets Inc [ formerly Norwest Structured Assets Inc ]
Wells Fargo Asset Securities Corp [ formerly Norwest Asset Securities Corp ]
Alta Jones
SVP and CFO
15 Registrants:
IsoRay/Inc [ formerly Century Park Pictures Corp ]
Morgan Stanley Capital I Inc Mort Pass Thro Cert Ser 1996-1
Norwest Asset Sec Corp Mort Pass Thr Cert Ser 1996-06 Trust
Norwest Asset Sec Corp Mort Pass Thro Cert Ser 1996-01 Tr
Norwest Asset Securities Corp Mort Pass Thr Cert Ser 1996-2
Norwest Asset Securities Corp Mort Pass Thr Cert Ser 1996-3
Norwest Asset Securities Corp Mort Pass Thr Cert Ser 1996-4
Norwest Asset Securities Corp Mort Pass Thr Cert Ser 1996-5
Norwest Asset Securities Corp Mort Pass Thr Cert Ser 1996-7
Norwest Asset Securties Corp Mort Pass Thr Cert Ser 1996-08
Norwest Integrated Structured Assets Inc [ formerly Norwest Structured Assets Inc ]
Norwest Mortgage Pass Through Certificates Ser 1996-09 Trust
Structured Asset Securities Corp [ formerly Structured Asset Sec Corp Series 1998-2 ]
Structured Asset Securities Corp Series 1996-5
Wells Fargo Asset Securities Corp [ formerly Norwest Asset Securities Corp ]
Mark Faris
EVP & Director
Sri Surgical Express Inc [ formerly Sterile Recoveries Inc ]
Verecloud/Inc [ formerly Network Cadence/Inc ]
Wells Fargo Asset Securities Corp [ formerly Norwest Asset Securities Corp ]
Senior Vice President and Chief
/s/ MARK FARIS
/s/ ROBERT GORSCHE
March 29, 1996
Robert Gorsche
Norwest Integrated Structured Assets Inc [ formerly Norwest Structured Assets Inc ]
Wells Fargo Asset Securities Corp [ formerly Norwest Asset Securities Corp ]
http://www.secinfo.com/dRqWm.95ph.htm
Where do I post this one?
Does everyone know that Form 15D is routinely processed when the MEMBERS have moved the transactions around and paid themselves and make sure there are less than 300 holders of record so they don’t have to file reports.
Here is an interesting one:
Where I find Wells Fargo Bank NA
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 15
Certification and Notice of
Termination of Registration under
Section 12(g) of the Securities Exchange Act of 1934 or Suspension of Duty to
File Reports under Sections 13 and 15(d) of the Securities Exchange Act o f 1934.
Commission File Number: 333-127589-19
Structured Asset Investment Loan Trust
Mortgage Pass-Through Certificates,
Series 2005-10 Trust
(Exact name of Registrant as specified in its charter)
c/o Wells Fargo Bank, N.A.
9062 Old Annapolis Road
Columbia, MD 21045
(410) 884-2000
NOTE-Structured Asset …. is the Registrant’s principal executive offices as above Wells Fargo’s)
(Title of each class of securities covered by this Form)
None
(Titles of all other classes of securities for which a duty to file
reports under Section 13(a) or 15(d) remains)
Please place an X in the box(es) to designate the appropriate rule
provision(s) relied upon to terminate or suspend the duty to file reports:
Rule 12g-4(a)(1)(i) / /
Rule 12g-4(a)(1)(ii) / /
Rule 12g-4(a)(2)(i) / /
Rule 12g-4(a)(2)(ii) / /
Rule 15d-6 /X/
Rule 12h-3(b)(1)(i) /X/
Rule 12h-3(b)(1)(ii) / /
Rule 12h-3(b)(2)(i) / /
Rule 12h-3(b)(2)(ii) / /
Approximate number of holders of record as of the certification or notice
date:
Less than 300 Holders
Pursuant to the requirements of the Securities Exchange Act of 1934,
Structured Asset Investment Loan Trust
Mortgage Pass-Through Certificates,
Series 2005-10 Trust
has caused this certification/notice to be signed on its behalf by the
undersigned duly authorized person.
Date: 01/20/2006
By: /s/ Beth Belfield, Officer
Instruction: This form is required by Rules 12g-4, 12h-3 and 15d-6 of
the General Rules and Regulations under the Securities Exchange Act of
1934. The Registrant shall file with the Commission three copies of
Form 15, one of which shall be manually signed. It may be signed by an
officer of the Registrant, by counsel or by any other duly authorized
person. The name and title of the person signing the form shall be
typed or printed under the signature.
Business Entity Search OH
10/01/2004 Wells Fargo Home Mortgage, Inc. (DEAD) In Ohio /
“Merged out of existence into Wells Fargo Bank, National Association Sioux Falls SD
815629 / (1491580) ‘ceased to exist as a separate corporation’
David V. Gorsche VP
4/17/2000 Recorded – 4/14/2000 Wells Fargo Home Mortgage, Inc Amended to Norwest Mortgage, Inc, a CA corporation, principal office ‘n/a’
11/13/1995 Directors Mortgage Loan Corp
—————————————————————————
6/6/2001 CMH Mortgage Co. ‘1233740’
Trade Name/Original Filing: 1/1/1996 Expiration 6/6/2006
Wells Fargo Home Mortgage, inc.
1 Home Campus, Des Moines, IA 50328-0001
A foreign corporation incorporated in the state of California OH license No 815629
MAC x2401 – 06T
Polk County
Registrant using trade name since 1/1/1996
Nature of business: Residential Mortgage Lending
Lisa Bartlett Assistant Secretary
1/30/2001 – Crossland Mortgage Co ‘Merged Out of Existence’
12/30/1999 Fictitious Name: America’s Servicing Company for Norwest Mortgage, Inc.
MAC X21406-011, 1 Home Campus, Columbus OH 43215
12/30/1999 – Fictitious Name Wells Fargo Mortgage Resources #815629 – Norwest Mortgage, Inc.
Residential Mortgage Lender ‘Greg L Schwager AVP
7/8/1998 Fictitious Name: America’s Mortgage Company for Norwest Mortgage, inc.
MS 122457, 1 Home Campus, Des Moines IA, a CA Corp
4/1/1997 – Norwest Mortgage, Inc. recorded, CA Corp. principal office. 405 SW 5th St, MS122481, Des Moines IA 50328 OH Lic FL815629 Issued 3/9/92 – Report 12/31/1996. State of Iowa, County of Dallas, Judith K Toni 3/21/1997 NMI List of addresses in OH
June 11, 1996 – perpetual Norwest Mortgage Inc.
Directors Mortgage Loan Corporation, 10/13/1961, a CA corporation, 1595 Spruce St, Riverside CA 92507 no principle office in OH.
9/25/1985 Norwest Mortgage, Inc.
5/11/1983 BANCO Mortgage Company (Iowa Corporation) 4/9/1975
4/17/1975
Award Winning. Sales Driven
Premiere Asset Services has offices in Frederick, Maryland; Fort Mill, South Carolina; San Bernardino, California, and Des Moines, Iowa. Our footprint is extensive, servicing rural, town or city locations on a national basis. Each office maintains a consistent level of highly trained, experienced professionals with deep industry knowledge of REO management and disposition: a team that’s virtually unaffected by market surges.
[SCR1 http://www.bankreorealestate.com/national-reo-banks/wells-fargo-reos-premiere-asset-services.html ]
Wells Fargo REOs – Premiere Asset Services
July 13, 2008 by Bank REO • 1 Comment
Filed under: National REO Banks
Wells Fargo has taken a slightly different approach than other banks. First, they have setup a mini-website that goes by Premiere Asset Services for their REO listings.
Next, they have a partnership with Foreclosure.com to get access to Wells Fargo’s listings so they can display them on their website.
Wells Fargo’s property search is very robust with a nice search criteria for finding real estate that are going to auction. PAS also has email alerts, you can set the criteria for the property you are looking for in the geographic area and when a piece of real estate comes up that meets your property search requirements it will email you with a alert that has a link to the listing.
Bank REO Info:
“Move-in” condition. Handyman special. Luxury homes. Premiere Asset Services offers a wide selection of REO homes, representing assets of several financial institutions that contracted with Premiere Asset Services to manage and market their properties.
To search our database of properties, simply select your criteria in the boxes below, then click ‘Search’.
To obtain additional information on a property, please contact the listing agent; their name and contact information is listed on the property detail page. If you can’t find what you’re looking for, simply register for Email Property Alert.
Link:
Well Fargo Bank Owned
Popularity: 15%
Tags: bank, reo, well fargo
NACA has legally binding agreements with all the major lenders/servicers and investors (i.e. Fannie Mae and Freddie Mac) covering over 90% of homeowners to achieve to a restructure or forbearance and is advocating against others.
This statement means they are in “contract “with the pretender lenders and servicers as are all brokers, dealers, agents, distributors.
“From website:
NACA will continue advocating with you to achieve a long-term affordable payment
All of NACA’s services are Free.
The only homeowners not eligible are investors who own other properties.”
(Already over 25 Events) Hmmmm How much does it cost to rent space at Raleigh Convention Center ?
Raleigh / Durham NC? May 12-15 Raleigh Convention Center
Columbus OH 5/13-17 Ohio Expo Center
? “Save The Dream Event”?
From website
“Neighborhood Assistance Corporation of America
THE BEST PURCHASE PRODUCT IN AMERICA”
Business Entity Search Maryland
Status ‘REVIVED”
NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA F04506523
3607 WASHINGTON ST
JAMAICA PLAIN, MA 02130 2604
MARYLAND AGENT SERVICE, INC.
835-B RITCHIE HIGHWAY
SEVERNA PARK, MD 21146
Baltimore City Location
Assessment
2007 4/03/2007 Extension NO
2008 8/15/2008 Extension YES
2009 9/17/2009 Extension Yes
2010 6/04/2010 Extension No
2011 Open
Qualification: 9/24/1996
Authority to do business in Maryland Forfeited
Failure to file personal property return 11/19/1997
Re-Qualification 2/10/2000
Resolution 9/30/2004
————————————————————-
About: Good deeds from 1990’s.
None in past 10 Years? Maybe I missed the information.
For Pete’s Sake! They are on the SERVICER SIDE not LENDER! and in Partnership with BOA & Citi!
From Website
*non-profit, community advocacy and homeownership organization who has access to No address on website of national office or board.
Web Submission is blind you don’t know who is getting your information and what
Stranger Danger lurks from your inquiry?
Warning nothing to do with this agency just in general that consumers are not safe and you are the weakest link. Congress is negligent since 2000 and does not protect the welfare of the nation. If you are harmed please be warned that you will not find anyone to protect you. Notice YOU for (1) incident cpnsumers fall into the you don’t count or amount to or fall withint the minimum dollar value affixed to taking on a case (based on what they think they can recover) not harm to you.
I repeat you are not safe in the United States of America. You are subject to unlawful seizure of what once was your property. Statutory laws are meaningless. You read incorrectly that the DEED is a SUPERIOR DOCUMENT to the falsified Assignments for in 50 states of these United States of America the Judicial Branch appears to be negligent and not acting independently as required by the U.S. Constitution.
Look out consumers in Colorado? Arizona? Oregon? Iowa? The stories break my heart! REO Brokers go around and upsurp perchance one missed tax payment that was purposely shorted by the SERVICER! OH YES!!! True.
Suggest you run not walk and take all of your documents, agreements, copies of cancelled checks front and back for payments you made to become a ‘member’ and take to your State Attorney General! Submit your petition to redress grievances to your congresspersons and legislature and assemblymembers but know they don’t give a shit. Oppsssiiieeee.
Website promotes specials aired by CBS, NBC, FOX? I’m having an Ahhhhhhaaa moment. (Owners wink wink).
From Website:
NACA states they have access to billions of dollars of mortgage funds for primarily low and moderate income people purchasing in low-moderate income comunities.
NACA provides incredible purchase mortgage product for all MEMBERS.
OK CHECK THIS ONE OUT! Those in the business will you please provide the facts on how the agnecy can socially promote themselves to be non-profit doing community good services and perhaps even use MERS CRA application in which municipalities are given the software for free to track foreclosed properties.
Purpose: Purchase & REHAB
Down Payment: NONE
Closing Costs: NONE
Interest Rate: 1 percent below prime 4/15/2011 4.50 30 year fixed!
Buy down pay money to reduce interest rate 1% of mortgage reduces interest rate by .25% considered a benefit?
Application Fee: NONE paid by LENDER
Points & FEES: None Paid by Lender
Credit History “PERFECT CREDIT NOT REQUIRED”
P.M.I. Private Mortgage Insurance “NONE”
NSF/Membership (Neighborhood Stablization Fund
$50 per month for 5 to 10 years. 120 * $50
$6,000 included in payment and part of your mortgage increases your mortgage $6,000 for 10 Years they get interest too!
Other Terms: No Yield spread premium, no pre-payment penalty, no balloon payment, no required credit life or other unnecessary or overpriced insurance.
“Google”
NACA Providing loans to low and moderate income people and those who are considered to be subprime borrowers. Information on mortgage services and national …
The NACA solution is to restructure the existing mortgage by permanently …
http://www.naca.com/refinance/refinanceTenStep.jsp
NACA: Home Save Program – Forum/Blog
http://www.naca.com/ – Cached – Similar
Neighborhood Assistance Corporation
The following links don’t work on the website when I tried and no one at the office to report the problem to:
NACA lawsuit against Chase for violation of the NACA contract beginning February 21st ; (click for details)
Individual lawsuits against Chase nationwide; (click for details)
Divesting from Chase by boycotting its products and services; (click for details)
Organizing nationwide protests against Chase; (click for details)
No one answering phones! Voice mail says they should be there.
M-F 8Am 11PM Eastern Time (Sat 9am to 6pm) – Funny they were closed 5:51 PM Eastern Time.
877- 912-6222 Membership Assistance Departament
Member Services Representative
888-495-6222
NACA ID# to proceed to get an appointment
Home Save Program
http://www.naca.com view web file – most updated status proposal – lender -servicer – options – extensions – much more – NACA ID and Password.
NACA has over 30 offices nationwide and is rapidly expanding. Found 8 within 200 miles from zip code 10004
60 Park Pl., 15th Floor
Newark, NJ 07102
Phone: (973) 679-2601
Check Business Entity Search of NJ
NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA 0100952097
Type NF FOREIGN NON PROFIT CORPORATION
144 Orange St.
New Haven, CT 06510
Phone: (203) 562-6220
1341 N. Delaware Ave., Suite 312
Philadelphia, PA 19125
Phone: (215) 531-5221
1623 Main Street
Springfield, MA 01103
Phone: (413) 788-6220
Office Director: Christopher Lee
Checked Business Entity Search MA
Type: NonProfit Corporation
ID 043244616
FEIN 000471247
7/18/1994 Organization in MA
3607 Washington St
Jamaica Plain, MA 02130
As of 12/9/2010Bruce Marks President
Glynn Lloyd Treasurer
Clerk Marissa Landrau-Pirazzi
Marin White Regional VP of Real Estate Operations
Note: 8051 Coach Drive, Oakland CA 94605 ‘Resignation removeal or other disqualification.
Kent Whitney, Regional VP of Real Estate Operations, 233 E. Wacker Drive, No 4409, Chicago IL 60601 Resignation, removeal or other disqualification
Linda Moten Director
9730 Tufts Dr
Charlotte MA 02227
Mary Prussman Director
320 Lower County Rd
DennisPort MA 02639
Glynn Lloyd Director
29 Dunreath St
Roxbury MA 02119
Bruce Marks Director – President 77 Sheridan Street Jamaica Plain MA
Graylon Hagler – Director
30 Kennedy street, NE Washington DC 20011
Resignation, removal or other disqualificaton.
Douglas Fierberg Director
5300 Eagles Nest Land LeLand MI 49654
Amendment updated 2007 – ;corporation organized under Chapter 180 of MA General Laws that are not inconsisten with exemption from taxation under Section 501(c)(4) of the Internal Revenue Code, including activities which may be necessary, useful or desirable to accomplish the foregoing pruposes. “May be set forth in the bylaws”
The corporation is organized exclusively for educational, charitable and social welfare purposes including, for such purposes, making of distributions to organizations that qualify as exempt organizations under section 501(c)(4) of IRC or corresponding section of any future federal tax code.
No part of the “net” earnings of the corporation shall inure to the benefit of or be distributable to its members, directors, officers or other private persons except that the corporation shall be authorized and empowered to pay reasonable compensation for services rendered and to make payments and distributions in furtherance of the purposes of the corporation. Lots more… 10/21/2007
200 Miles of zip code 10004
1 East Mount Royal Avenue
Baltimore, MD 21202
Phone: (410) 783-0465
Not a current addres in MD Business Entity Info above this address not on record with Secretary of State of MD
Drew – as a defendant that will not matter in court of equity. Business is business by agreement. Are you in default? Have documents been filed? Who is the owner of the debt? Does the party before the court have standing as owner of the debt? As a Plaintiff in a civil case for specific complaints involving malfeasonace lots of evidence would be necessary to prove concealment and you’ll all need to join each other. I hope a real joinder of consumers gather and hire a firm – which one – who is unattached. We don’t need joinder firms. We need a way to protect ourselves for will the JOINDER cases make decisions to benefit you or themselves? I don’t know and I really want to know. The only way to be sure is to create the agreement ourselves and pool our money and move forward. How many alone of this page have common issues? The courts won’t let us bring class action lawsuits so why can’t we go after a ROBO-MILL in NJ for example we know has falsified documents and the attorney’s have affixed their signaturs.
In NJ we can’t bring joinder to complaint of foreclouses so we would have to bring a separate case in civil courts becasue the AG’s have been told NO WAY by CONGRESS.
Dear michele, on February 24, 2011 at 2:34 am said:
can someone tell me what to do my loan is paid to date and i recieved a notice of default sighned by robo cindi ellis kirt kirtly notary?help please
Run! but where? A ‘late’ fee somewhere? They do it on purpose because they can. Visit with a Foreclosue Defense Attorney who is a litigator and does not benefit if you lose your property. Stranger Danger lurks everywhere! Fair Debt Collections Act your best friend. Hire an attorney to send the letters and request the documents, statements, etc.. You can’t afford not to do so!
Anyone wonder if Bershire Hathaway (Warren Buffett right?) and Bill Gates (Microsoft) software had anything to do with LPS – Lenders Processing Services and ‘DOCX’
Funny did you notice that the 2007 Mircosoft file extension is DOCX?
If you read the real depositions of the LPS DOCX people – 60 Minutes reported about, you’d know that 60 Minues did not do this segment any justice.
You would find out that the employees of ‘LPS’ or ‘DOCX’ would receive a ‘mortgage file’ sent by someone they did not know. The file (20-25 pages) comes in through a door. Just the folder would come into the door , and the employees would be assigned a duty to be Linda Green or to pull up the documents to be created or changed using what? When the document did not exist, what did they do? And when the document did exist what did they do?
Somebody placed the document orders affixed to the top of the folder of 20-25 pages.
The employees would learn what to do.
They they would correct, change, alter, manifest where no document existed before, yada. Counterfieting and RICCO! Anyway…
For those not familiar with optical scanners know that Bill Gates created the systems that do and can take documents into Microsoft Word and create DOCX files that can be edited!
America’s Servicing Company
aka ‘Wells Fargo Bank NA
Here is statement copied from Wells Fargo & Co. website intra (own documents) page:
https://www.wellsfargo.com/mortgage/account/servicing [SCR1]
America’s Servicing CompanySM
What is America’s Servicing Company?
• America’s Servicing Company (ASC) is a division of Wells Fargo Home Mortgage that services loans for other investors under the America’s Servicing Company name.
• The vast majority of America’s Servicing Company mortgages were originated by other lenders, packaged into securities, and sold by those lenders into the secondary market.
• As a result, Wells Fargo had no involvement in the origination or underwriting of the vast majority of loans serviced by America’s Servicing Company.
Why is this division of Wells Fargo called America’s Servicing Company?
America’s Servicing Company is the generic label used for this business because some of our competitors do not want the Wells Fargo name associated with their loans. By using the America’s Servicing Company name, we avoid this problem. America’s Servicing Company customers receive the same great level of service provided to customers with loans originated by Wells Fargo.
Why does Wells Fargo service these loans?
As a result of our strong track record of success in achieving the highest servicer ratings, companies seek our expertise when they need assistance in servicing their loans. Servicing loans for third parties is simply another business for Wells Fargo.
How can I contact America’s Servicing Company?
America’s Servicing Company can be contacted by phone at 800-842-7654.
WARNING: FTC WILL TAKE YOUR COMPLAINTS BUT IS WITHOUT AUTHORITY TO COME INTO THE STATES IN ALL MATTERS RELATED TO DECEPTIVE ADVERTISING OF ‘NATIONAL BANKS’ AND FSB’S FEDERAL SAVINGS BANKS – ANYONE OR ANYTHING UNDER SUPERVISION OF ‘FRB’ ‘OCC’ AND ‘OTS’
Everyone inundate them record your complaints on line – and don’t wait for an answer. I tortured an attorney in CA for the FTC who did not want my faxes but was kind enough to pass on to get into their system. Finally a letter came. The letter suggested that I get an attorney who is better able to handle issues of alleged unlawful business acts in NJ.
As part of a federal/state law enforcement initiative, the Federal Trade Commission will hold a press conference in Los Angeles, California, on Wednesday, July 15, 2009, at 10 a.m., Pacific Coast Time to announce an effort to crack down on mortgage-related scams. FTC Chairman Jon Leibowitz and California Attorney General Jerry Brown will be available to answer reporters’ questions.
-Mortgage Servicer: American Home Mortgage
-Deutsche Bank Securities Trust engaged LPS ‘trusts’ needed Assignments.
-CitiGroup 2009 sold servicing rights 185,000 loans to American Home Mortgage Servicing (AHMSI) for $1.5 Billion. Citigroup one of the primary servicers of Ameriquest loans.
“On tens of thousands of these LPS produced Assignments, the mortgage servicer is identified as American Home Mortgage Servicing. On the documents produced by LPS subsidiary Docx in
Alpharetta, the servicer is identified in a box in the upper left-hand corner as “AHMA” or “AHCIT.” ”
“AHMA is an abbreviation for American Home Mortgage Acquisition, the company that became American Home Mortgage Servicing in Coppell, Texas.
American Home Mortgage Acquisition, owned by billionaire investor Wilbur Ross, (the “King of Bankruptcy”) purchased the $45.3 mortgage servicing business of bankrupt
American Home Mortgage in September, 2007. ”
“AHCIT is an abbreviation for American Home Citigroup. In February, 2009, Citigroup sold its servicing rights on 185,000 loans to American Home Mortgage Servicing (AHMSI) for $1.5 billion. Citigroup was one of the primary servicers of the Ameriquest loans.
Only a few courts have recognized that the LPS assignments were fraudulent and forged, even after former employees of Docx admitted on a segment of CBS “60 Minutes” to forging over 4,000 documents each day for several years.
No criminal charges have been filed against Deutsche Bank, Lender Processing Services or American Home Mortgage Servicing and all three of these corporations continue to pursue forecloses in courts”
Only a few courts have recognized that the LPS assignments were fraudulent and forged, even after former employees of Docx admitted on a segment of CBS “60 Minutes” to forging over 4,000 documents each day for several years.
No criminal charges have been filed against Deutsche Bank, Lender Processing Services or American Home Mortgage Servicing and all three of these corporations continue to pursue forecloses in courts
‘Wells Fargo Bank NA’ you will find in the prospectus supplement
Issuing Entity c/o Wells Fargo Bank NA.
Research Source – Max Gardner
Only a few courts have recognized that the LPS assignments were fraudulent and forged, even after former employees of Docx admitted on a segment of CBS “60 Minutes” to forging over 4,000 documents each day for several years.
No criminal charges have been filed against Deutsche Bank, Lender Processing Services or American Home Mortgage Servicing and all three of these corporations continue to pursue forecloses in courts
‘Wells Fargo Bank NA’ you will find in the prospectus supplement
Issuing Entity c/o Wells Fargo Bank NA.
Wells Fargo Bank NA Sioux Falls SD is actually the former company prior to the marriage of Norwest Corporation, 420 Montgomery Street, San Francisco, CA 94163 and became the former Wells Fargo & Co/MN (SEC Subsidairy formerly Norwest Corp) and survied as a subsidiary of the new Wells Fargo & Co Confused?
Don’t be. Just know that a foreign organization (outside the USA) purchased the valuable ‘trade name’
Private funding through Foothill Group Inc. and dba the new Wells Fargo & Co. (a foreign organization – outside USA) whose owners (private family trust and their Dealers DTC-EuroClear-ClearStream c/o Cede & Co. did with intent 1999/2000 channels to move currency through the financial markets of the UK/London.
The 11/2/98 marraige if you will of all the former members agreements, joint ventures, is actually a TRUJAN HORSE using the valuable trademark ‘Wells Fargo & Co.’ the new one who moved into Norwest Corporation’s principle offices, 420 Montgomery Street, San Francisco, CA.
If you want give a shout out to Michael Carter, 415-396-5581 efax 415-396-2987 Legal Services.
11/2/98 forward, the new Wells Fargo & Co. organized to appear as operating as a wholly owned independent domestic subsidairy.
Wells Fargo & CO. is not Made In America!
Since the marraige HSBC and former Wells Fargo in a joint venture in 1996 created the first United States commercial trade bank ‘Wells Fargo HSBC Trade Bank’ approved by the OCC! organized under the National Bank Act.
Wells Fargo & Co. began operating as a financial holding company 3/13/2000. What this means is all of the former registrations and agreements are in affect and doing business as described above.
I repeat Wells Fargo & Co. is a wholly independent domestic subsidairy operating inside of the USA for the benefit of (1) owner (which private family trust?) .
ffiec.gov you’ll see joint ventures include registrations and former agreements of EMC Corporation MN under former Norwest Corporation who morphed in 1980s from MN to NY and NJ and became EMC Mortgage Corporation -Bear Stears (CEO David Lehman) – Structured Asset Securities Corp – Lehman Brothers – Deutsche Bank -Cendant Mortgage Corp, Wells Fargo & Co (the new), …unique model includes the old Wells Fargo Bank NA who appear in all of the related transactions and joint ventures and agreements to be pushing currency towards the window if you will (to the left),
The plan in place in 1996 for Norwest Corporation’s joint venture, Norwest Asset Securities Corp (“NASCOR”) newly acquired affiliate in 1996/ largest producer of non-conforming mortgage products.
Norwest Corporation survived and exists today through SUBSIDIARY Wells Fargo & Co/MN. This trojan horse harmed our nation and I am asking the people of the United States of America to seek their Legislature to impeach you Mr. President
if you continue to ignore your oath of office and harm to befall welfare of nation due to lawlessness.
1996-1999 Freddie Mac, Microsoft & Norwest Corporation along with Chase Manhattan Mortgage Corp and GMAC-RFC in agreements.
It’s not the agreements that are unlawful — its the concealment and intent to take property by deception from consumers and intentionally cause harm to the economy, and intentionally allow third parties to take possession of property of the USA in a larcenous manner.
The new Wells Fargo & Co. ‘unique business model’ incorporates the prior joint ventures and agreements doing business by ‘supply chain’
versus an organization chart and does include intimate relationships (incestous) with Bear Stearns, Lehman Brothers, Goldman Sachs dba CDMD, Cendant Mortgage Corporation, Structured Asset Securities Corp, Corp …
To Michelle:
What does the Notice of default say? It should say what the default is, and if it is money, then how much they are claiming. then you have to address that issue. Are you in a judicial or non-judicial state? You need to send what is known as a “Qualified Written Request” demanding an accounting as to what they are claiming, and if it were me, I would proceed with filing a lawsuit against these morons alleging unjust enrichment, detrimental reliance, breach of the covenant of good faith and fair dealing, and unfair trade practices statute breaches. (But that’s just me). You need to provide some more details here.
Jan van Eck
can someone tell me what to do my loan is paid to date and i recieved a notice of default sighned by robo cindi ellis kirt kirtly notary?help please
Hello All,
Okay…my question is…with all of these servicers not having any right to modify these mortgages, no matter who they are, why is it that NACA has contracts with them all to do just that? Is it still an issue even though there is a third party negotiator, being NACA, to speak on behalf of the homeowner? Is NACA a coverup for the real issue? Why is it that they can save people from foreclosure when no one else seems to be able? They couldn’t save me and were shocked by my story. However, I have done well saving myself…and eventually gaining the help of a great lawyer in my area.
And why isn’t the government realizing the games that these companies are playing with people in the modification process. We all know it’s a joke and not really helping anyone…what are they waiting for? Why can’t these judges see that we did not ask for this, as homeowners? When will these “so-called” educated people wake up?
And what happens to those who have already been foreclosed upon and evicted? Do they have any recourse? Is there a time frame on that? Thank you for reading and any information would be great.
Wells Fargo is my loan servicer. American actually got my loan. I have repetedly asked my mortgage company who holds the note. I was told a few times they couldn’t tell me, I have to submit in writing. When I did, still haven’t heard. I’m in foreclosure it says HSBS, Bank. They finally told me over the phone UBS. I want to see it and they still haven’t been provided with that. What do I do?
Hello,
I am in a tedious and unfair battle with AHMSI and we use to get statements from all these banks…i have Greenpoint Bank, than i started getting statements from Flagstar Bank, than it changed to Option Once and now it is AHMSI however when we got letters in the mail recently from the court it says that US Bank National is trying to life the “automatic stay” to engage the foreclosure process I felt dumbfound. My parents own the home and I am trying to figure out whats going on with this nonsense. They were in a chapter 13 and were 8 months behind and i paid the total due to bring them current. Now my father and his pride fell behind another 5 months and when i found out i went to US Bank National Associations attorney and gave them the 15,810.13 to bring them current again. Now recently we got letter in mail showing mortgage has went up from 2900 to 3100 and my parents are struggling as it is along with the fact that when i was examining their refinance papers (they did a total of 3 refi’s) the company they used Sta**ord Capital was charging them 15-17k on closing costs!!!! I showed this to family members and they said get a lawyer immediately (i will be doing this monday) since these refi’s were done in 2005-2006 during the whole scam ordeal and my parents were just ignorant/misinformed and simply not knowledgable with this as they were simple immigrants from italy just trying to make an honest living (one is a teachers aid + the other is a custodian in a local high school).We have also submitted the “Modifaction” paperwork and are waiting for “AMHSI” to let us know if my parents will get it and I call in every 3 business days to check in and they always say I am missing some form/document that i have ALREADY sent twice. I think its in most part BULLSHIT and a way to delay but we will see. I will call again Monday, 10/24/2010 and see their new excuse to why they have not set us up with a “loss mitigagtion specialist” to help do a “Workout” options. They were waiting for 2months almost and the bank was lifting the automatic stay on monday, 10/25 so i just paid the evil thieves and will see what i can do. Well, all in all I know this has veered off the topic a little but thats our situation here on long island, NY and I hope we all get some damn answers soon. I,ll keep you guys posted and i dont mind if anyone wants to comment : cvacchio44@aol.com GLUK all
when i got my house it was through option one now it is ahmsi wondering if its also wells fargo because my brother lost his house in july and a bank called federal home mortgage bought it at a sherff sale they also had been working on a modifacation loan for three years but was with wells fargo now his house is for sale but there’s a problem i own the driveway and have no trespassing signs up wells fargo was informed of the no driveway about nine months ago you would of thought they would of tried to work something out but no well in june i got notice that my house payment would be going up from 668.19 to 1066.00 now really why do you think this is they say for an esgrow acc but i know better and im not behide on anything
I’m trying to get information from AHSMI. The original lender was AB Conduit. I have sent a QWR and can’t seem to get an answer to who the investor is even though it is a right under RESPA to receive such information. I have read that Wells Fargo is a trustee and Option One (who we have sent payments to in past) is in there also so I would like to know what bundle of securities my mortgage is in. Can anyone help me with this? I can be reached at robert@moi-now.com. Thanks in advanced.
On SEC Forms 10-Q (quarterly reports) & 10-K (annual reports) for publicly traded companies, non-disclosure of risk-based business relationships (i.e. MERS!!!) are subject to significant fines & possible criminal charges, not to mention class-action lawsuits from investors. No one has ever mentioned this before!
If a large bank, say Wells Fargo or BOA, has contracted with MERS (who is playing in the grey area), and Wells Fargo does not disclose its relationship with MERS & its inherent risks on its SEC quarterly & annual reports, then Wells Fargo is possibly defrauding investors by not informing them of possible negative consequences stemming from any MERS wrong doing, which clearly they are aware of (i.e. pending litigation).
In short, Wells Fargo (& most large banks) are PUBLIC companies … they sell their stock on the NYSE (Wall Street). They are also REQUIRED to file forms 10-Q & 10-K which disclose financial & risk-associated aspects of their businesses.
If MERS is a risky enterprise (litigation all over this country), then is Wells Fargo disclosing THAT risk on their 10-Q or 10-K forms to the SEC? If they avoid talking about that “risk” then they are defrauding investors. Drahcir61 speaks the truth!
I have been reading the transcripts here for two straight days
I have been sitting idle in foreclosure for 26 months and have not made a payment. I paid Option One my first 12 payments on time at 8.5% interest in 2007-2008, with the promise that after my 12th payment, i could refinamce to 6%. The following month, my 13th payment, the economy crashed enetered and soon after Option one folded. I called and this AHMSI answered, i tried to get two months delayed payments, they said I had to be 90 days late before they would help me, so finally after much fight, I stopped paying for 90 days and my perfect credit was ruined, even after they said they would NOT report me as being late.
They did NOT offer me a 2 month forebearance, but a whole new modification. It arrived six months later with a step interest loan of 6%-8.5 and 10% on the 3rd year, then 10.5% for the 35 year term on 245,000. This was refused as now my payment was higher. They foreclosed and ever since this day, they send me refi papers, i fill them out, they refuse,then another , then another private investor, recently 3-2010, send me to Hamp, they refused last week. they say sale date is Dec 30th. Two days later, they say that the foreclosure STAY has not been lifted and they automatically submitted me to a traditional loan program becuase HAMP said my value was too low (DUH!) $245 owed, value of $140 is about normal here in Maine.
I called their attorneys office locally and he says he has NO intention of lifting the STAY of Foreclosure from 2009, which appeared 2 weeks before my dicovery deadline was to expire and when I was submitting docs to ask for copies of note. he states that he has NOT been informed to start foreclosure again. I have a real hard time believing that WHOEVER owns my note, is trying so hard to help me with a 480 Creit score and $2,000 a month income? Seem likely to anyone else?
Now, Wells Fargo, who says they are the lender, thru AHMSI, wants ME to call them every 7 days to check status
meanwhile we have lived for free, but packed up ready to move.
I went to the local court and the judge secretary tells me that a motion has never been awarded and the last thing on the docket was a STAY of Foreclosure, which gives them the right to pickup where they left off in 2009, meaning if they start tomorrow, they have to start the 90 day right of redemption again, and advertise for 3 weeks in the papers
The secretary told me that they do not even have a judgement yet, so it would be December before anything would happen for auction
When i called to ask what happens if THIS loan falls thru, which it will as my credit is worse than ever and income is 1/3 of last year, what are their plans. They tell me they want to keep me in my house and they will keep finding investors, and do whatever to help me?
Does this sound like they are stalling for time, can’t foreclose due to lack of papers and notes that i asked for, or both??
or is there some god that is letting us go almost 3 years without paying our payments
I would love to hear from anyone that has similar dealing with Option One, AHSMI, and supposed Wells fargo as the final lender
I would also love to hear from anyone in Maine, especially in 04605 zip code
My email for this post is : chezflamo (at) yahoo dot com
Can anyone tell me if this foreclosure can proceed the way it is, or if a new NOD/NOS need to occur? I am in California.
Lender/Beneficiary on Original Deed of Trust is Wells Fargo Bank NA
Trustee on original deed of trust is Fidelity National Title Co
Notice of Default naming Wells Fargo Bank NA as beneficiary was recorded 12/14/09 (signed by 1st American Loanstar Trustee as attorney in fact of beneficiary)
Substitute of Trustee recorded 1/15/10 (trustee signed as attorney in fact to assign themselves – 1st American Loanstar Trustee)
Notice of Sale still naming Wells Fargo Bank NA as beneficiary recorded 3/19/10
Here’s the wierd part………..
Assignment of Deed of Trust FROM Wells Fargo Bank NA TO Citigroup Global Markets Realty Corp recorded 4/13/10 – signed by 1st American Title Insurance Co as attorney in face as beneficiary
The sale date is next Thursday 5/6/10.
I’ve known for a few months that my loan sat with Citigroup because a Wells Fargo Home Mortgage (servicer of the loan) CSR accidently spilled the beans – I’ve been asking for months who the investor is but keep getting the ‘we can’t tell you becuase it is a private investor’ story. Knowing this information, the assignment itself doesn’t surprise me, but the timing really does.
And to make it just a bit more interesting, I had revoked power of attorney from Wells Fargo Bank NA, the original trustee, 1st American Loanstar Trustee AND 1st American Title Insurance Co on 4/5/10 – a whole week BEFORE they recorded the assignment of deed of trust to Citigroup.
So I’m not even sure if the assignment is valid or not, and if it is valid, do they need to redo the NOD/NOS in Citigroup’s name? If it isn’t valid, isn’t the recording admitting the Wells Fargo Bank NA does not hold the deed of trust nor the note?
Also I’m not sure if there is a problem with the substitution of trustee recorded after the NOD and signed by itself as attorney in fact.
I might try to get TRO or Ex Parte Injunction but not sure if these issues can be added to my list of complaints or not. Can anyone help me understand who is the beneficiary with rights to foreclose in this situation?
Any input would be so helpful for me to determine my next move. I just want to clearly understand the facts and not confuse things. Thanks so much!
Diane
Keep going – see:
http://www.sacbee.com/2010/03/25/2632563/trial-modifications-frustrate.html
GMAC is under eye.
Deb –
Call S&P and/or another rating agency to find out who is the trustee, indenture trustee and/or master serivicer of the trust your loan is in. They have it – if you get a person on the phone that says they don’t, then ask for a senior analyst.
I had a bank we are all to familiar with with send me 4 letters from their corporate trust services, literally denying their role as master servicer and indenture trustee for the trust my loan is in.
I got confirmation from S&P between their denials that they were – finally after I confronted them with this, their attorneys wrote me a letter admitting it.
Under TILA 1641(f)(2) they have to tell you the owner of your note or master servicer. Make them tell you. Slam them with requests until they come clean.
I had to go thru my mtg. company’s BK court to force them to disclose this to me. Then they ended up lying anyway – of which I am discovering.
To Drew- AHMSI (American Home Mortgage Servicing Inc) purchased substantially all of Option One Mortgage about two years ago. AHMSI is owned by the texas billionaire Wilbur Ross. A number of Option One’s loans are now serviced by SPS, Select Portfolio Servicing, formerly Fairbanks Capital,which changed their name following DOJ sanctions and a 48 million dollar fine. Another entity, Sandhills mortgage or financial, took over the dregs of Option One’s business not purchased by AHMSI. I am not sure of Wells Fargo part in this scheme.
Check out where Linda Bayless works…
hmmmmm….
http://www.linkedin.com/pub/linda-bayless/a/542/b10
Can someone provide physical evidence that: “ALL THREE ENTITIES — WELLS FARGO, OPTION ONE AND AMERICAN HOME MORTGAGE SHOULD BE CONSIDERED AS A SINGLE JOINT ENTERPRISE ABUSING THEIR BUSINESS LICENSES AND CHARTERS IN MOST CASES.” That would be great. Knowing and proving can be the difference between win and lose.
to foreclosurefight:
Yup, they have filed mutually contradictory POA documents. Since they both cannot be legit, you have a controversy as to authenticity. Making that claim should stop the foreclosure dead.
to Diane:
File suit against GMAC and the realtor on grounds of Deceit and trespass. They entered your home on utterly false representations and took pictures in trespass. Ask for damages equal to three times the original sum of the Note as damages (without reciting how you got to that figure). Ask for the damages “jointly and severally.” Recite in your claim that “the defendants with a culpable state of mind concocted a scheme of fraud in which they jointly represented to the plaintiff that defendant realtor was an independent realtor, that they had a bona-fide buyer for the property, and in fact there was no such buyer, and the intended fruits of the scheme of fraud was to gain access to the property for the purpose of photographing the furniture and possessions of the plaintiff, for purposes to inure to the benefit of the defendants.” And then file a Count for Unfair trade practices, and then a further Count for breach of the covenant of good faith and fair dealing, and then whatever happens to the foreclosure, you get to clean their clock in the damages suit.
Any decent consumer-law firm will take the case on “on contingency,” meaning they collect 1/3rd, for the reason that the legal fees assessed will be charged against the defendants, if you can make the unfair trade practices claim stick. And under these circumstances, you should be quite able to do exactly that.
And that way you get some compensation for your misery. Remember: all you need is a jury that agrees with you, and they get shellacked.
Interesting….
I have not one but TWO “Powers of Attorney to Foreclose Mortgage” recorded against my property by Deutsche Bank Nat’l Trust Company….
The first one dated April 2, 2009 (with an effective date of March 26, 2009) is by “Cindi Ellis” as Asst. VP of Deutsche Bank National Trust Company created in Calif. County of Orange and states that Deutsche is a DELAWARE Corporation, notarized by a N. Deeter. Comm #1712322.
The SECOND one is dated Sept. 29, 2009 with an “effective date” of Sept. 21, 2009 by a “Kathy Smith” Asst. Sec. and VP of Deutsche Bank Nat’l Trust Company, executed in Florida, county of Duval, stating this time that Deutsche is a TEXAS corporation; notarized by Linda Bayless Comm #DD615990.
These two POA were drafted by Shapiro and Nordmeyer Law Office and I have brought this to the attention of our Attorney several times, which one of these (if any) are legit, and does this not make the foreclosure invalid???
Further to Neil’s comments on the Notary issue, the more likely explanation is that “Linda Bayless,” the “Notary Public” with the Florida address and Forida commission, is and was actually an employee of Wells Fargo or some bank that Wells Fargo bought or took over. She then got moved (“transferred” ) to Texas (or Ohio). Now she uses the notary seal from Florida to notarize documents in Texas being signed by Kathy Smith.
Nobody knows for sure, of course, until Kathy and Linda confess what they were up to. So I invite them to ‘fess up, publicly, by posting the truth on this website.
Until that time, given the cahin of locations, I would suggest that everybody is fully entitled to suspect that the notarization was done not in Florida, but “out of State,” and thus outside the Jurisdiction of the Notary, and that both of them knew it, and they did it anyway, and that, good folks, is not only fraud, but is a constructed fraud upon the Court (because it was deliberately done with the intention of submitting those documents to a Court in order to induce the Court to undertake a course of action favorable to Wells Fargo Bank).
So, folks, when you see this, be sure to file a new lawsuit against Wells Fargo Bank, and ask for “big money damages.” All you need is six abused homeowners (or ex-homeowners) sitting on the Jury. And these days, that should be easy enough.
http://www.mortgageservicingnews.com/
This is a great site to follow what they are up to
I am leaving this message on this most current post just so that maybe someone will read it and respond. I read Neil’s blog everyday and because of it have fought against my lender with a state court suit for fraud and violation of consumer protection laws.
Today I feel beaten down. GMAC had a realtor call to “show” my house to a buyer. I was so excited. The place was cleaned to sparkling. Then she cancelled, said the buyer could not see it until tomorrow. We cleaned again. Then I found out, and that realtor confirmed, there was no buyer. She was in my house snapping pictures and doing a broker price opinion for GMAC. I told her I thought that was kind of crummy. She agreed and said “yeah, I think it is crummy too, but I’ve done 250 of these and if I didn’t do them, my house would be on the foreclosre list also”. She also told me she did an exterior BPO in February.
I feel so violated and deflated and now I am thinking of getting my case dismissed and letting them foreclose. We are in court because when I asked for documents under RESPA they sent me a package and it had TWO loan applications…mine and one they falsified. They put all my income from an investment in an LLC in Employee Base Income and then they jacked it up another couple of thousand. My husband, who had zero wages (not employed), they put his investment income from the same LLC in Employee Base Income. Of course, I signed it at closing because I was told my loan app jut needed a current date, so I checked the name on the app to be sure it was mine and signed away never checking to see if they altered any of my numbers.
Does anyone have any thoughts for me? I need help. I feel alone in the batte.
Also keep in mind that the bank’s alleged “notaries” made have notarized “blank” forms in one state (because of the relationship it bears being regulated in one state in favor of another) and sent them off to another state to the “processing” location to be actually dated and signed.
The only reason I can see why a notarial seal commission stamp would be expired is because (1) the bank was in a hurry to get something dummied up for court to prove its case; or (2) they had a stack of prepared documents to sign and execute that were “pre-notarized”. I have heard stories from notaries public wherein this is common practice to save time when the performing entities are out of state and convenience is more of the essence that accuracy. They are just hoping you won’t notice.
I can Confirm on My assignment of Mortgage MERS/WELLS/ASC-
** It states MERS residing or located at c/o Wells Fargo Bank, N.A., 3476 Stateview Blvd, Ft. Mill, SC forin designated as assignor, for and in consideration for $1.00..blah…blah…does here by grant, sell, bargain, transfer and set over to US BANK as Trustee for Lasalle, as succussor to Bank of America, for Morgan Stanley Loan Trust 2006 1AR.
* located in c/o America’s Service Company 3476 Stateview Blvd, Ft. Mill, SC
* Signed by MERS Assistant Secretary John Kennerty (AWE-employee of America’s Service Company and Wells Fargo)
* Signed after the foreclosure was filed.
* Also to note- 2 servicers during the loan 1) Option One 2) GMAC 3) ASC
Neil this is so timely for me thankyou I sm fighting indymac who are playing a huge dance and are telling me wells is firstly the trustee if securitization trust and then they tell me they are the investor and try to behave like they havnt been served and get the FDIC to step in and bully me I tell you it’s a farce but they appear to fear not the law but like my freind Susan says that sometimes just sometimes they get caught I am eternally grateful for the information I glean from your website you and those who blog here are angels of mercy for the those of us with less resources and felt so alone befor this info came out. Bless you all for what you have dome and continue to do .