FOLLOW THE MONEY and THEN THE DOCUMENTS

COMBO Title and Securitization Search, Report, Documents, Analysis & Commentary GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE

EDITOR’S NOTE: Mary Cochrane with her endless research provides an in depth look at the subsidiaries of Wells Fargo below.

The point here is that you should be following the money rather than concentrating on the chain of documents. If you follow the money, then you don’t really need as many documents to prove your point. A table-funded loan if it a customary practice of the alleged “lender” means by definition that the “lender” was not the Lender. What does that mean? The Lender is the party who actually lent their own money or credit for the funding of your loan. In virtually cases where there was a securitized loan involved at the “closing” the party disclosed to you as the Lender was an originator, which is a glorified unlicensed mortgage broker — also known as a sham party or straw-man. Yet this is the party named on the note as payee and this is the party named on mortgage deed or deed of trust as the Lender. ANd MERS is often identified as the mortgagee or beneficiary despite the fact that it too handled no money.

So who handled the money? The closing agent, that’s who. The closing agent is usually the same party as the escrow agent. The escrow agent receives a wire transfer or instructions to fund the closing from an account they already have access to. Those instructions include an instruction to send back any excess money to whoever was the source of the funds. So if you are following the money, then you are going to ask the escrow/closing agent for the closing instructions they received and copies of any wire transfer confirmation or instructions. What you won’t see is the “originator” who is just being paid a fee for pretending to be the Lender. You’ll see parties you never heard of, which is where Mary’s list comes in. The party might be one of the dozens of subsidiaries of the megabanks.

Why is this important? Because when all the facts are in about the money trail, then you can ask for documentation between the parties at closing and the sources of funds and instructions. Why is some third party you never heard of dictating instructions to the closing agent if the Lender is supposedly at the table with you at closing? Any lawyer, which includes any Judge who practiced law, knows that those instructions must come from the actual Lender, or an authorized agent or officer for the Lender — whose authority can be easily established through documentation which is ordinarily disclosed in one form or another to the borrower at or before closing.

But these supposedly securitized loan closings are different. There is no authority for the remote entity dictating instructions to give any instructions to the closing agent — because the homeowner’s deal, according to the documents provided to the borrower under the Truth in Lending Act, identify the originator as the Lender, which now we know was not true — they were not the Lender. AND the Originator never had any authority, nor does the closing agent, to act in any way for the actual Lender.

Is the party who wired the funds and who issued the instructions the actual Lender? NO! They are merely the conduit through which the actual Lenders’ money was passed. It can be compared to when you write a check. The depository bank upon which you write the check is not a party to your transaction and can’t be sued by anyone if you were paying for toaster and it didn’t work. They are merely a vendor in transmitting the money. The parties who were the Lender, collectively, were the investors who advanced funds for bogus mortgage bonds when they were “sold forward” to the investors without the investors realizing that the pools of assets that were referenced in the prospectus did not exist. And there was no attempt to ever actually fill the pools despite clear instructions in the pooling and servicing agreement, and assignment and assumption agreement on doing just that. In short, the pools were empty and stayed empty.

The unfortunate Lender was left with a bunch of papers that were never signed by the borrower. And the papers signed by the borrower did not describe the actual money trail, so they are defective and invalid. And the actual monetary transaction actually has no documentation that connects all the dots. If the dots were connected, it would require disclosure. If there was disclosure then the the investors would have known what was going on with these closings and that that parts of the money they gave for funding mortgages were instead being taken as fees and profits by the investment banker who was squirreling the money off-shore, so the investment banker could claim they were broke and needed bailout money while sums were being held off-shore that exceeded all the bailout money.

If there was actually disclosure neither the investor-lender nor the homeowner-borrower would have signed onto the deal. Both were relying upon false statements inflating the value of the property and the securities. No borrower would ever sign a deal where they knew they were signing up for  a mortgage loan that, at closing, was worth far less than the loan balance. And no investor would have advanced funds even if the borrower was willing to do the deal.

Magic requires the magician to direct your attention to something else while he makes the rabbit appear. In this case the magic is getting you to look at the documents as though they were EVER real. They were not. There never was a lien perfected on anyone’s property in these closings and there was no transfer of lien because (1) there was no lien to transfer and (2) they never tried to transfer them. Instead they “lost” or destroyed the documents. Those documents, if they were real were the equivalent of cash. Why would anyone lose or destroy a ten dollar bill? The ONLY answer is because they had told someone )the investors) who gave them money that the $10 bill was actually a $100 bill and now the investor wanted to see the $100 bill that never existed in the first place. Better to say you lost or destroyed it than to produce evidence that would land you in jail!

From Mary Cochrane:

Have Patience on this segment so youi can understand how your RETAIL MORTGAGE purchase as a Promissory Note under UCC Codes between states harmed the US Economy two Master Servicers, their Agencies and SPV’s of the Parents Lehman Brothers & Wells Fargo & Co:

Subsidiaries of Wells Fargo & CO/MN (formerly Norwest Corp) folowed by the business entity Jurisdiction of Incorporation

Why focus on 12/31/2005 10K?
The heightened period where MERS humming away, United States Goverment wanted in on the yeilds and $4 to $1 payouts from the ponzi money laundering scheme. Bernie Madeoff with the cash sits in jail alone. When will he have company?

Consumers wondering how did your retail purcahse of a financial products manufactured by an SPV called a ‘mortgage loan’ and ‘promissory note’ get in the hands of ‘Wells Fargo Bank NA’ many wonder. Well you either did business directly with WFHM storefronts or one of their subsidiaries or one of their clients! At the end of the day the transactions were organized in such a fashion if you defaulted you would be harmed by ‘a national banking association’ and unable to get help in the COURTS. The SPV’s made sure all of the foreclosures and/or resulting bankruptcies and taking possession of your property in a larcenous manner would be for the benefit of the SERVICER on the RETAIL side the beneficiary of the unlawful business acts and simply a ‘mule’.

WFC’s commercial clients like Lehman, JPM dba Chase Manhattan Mortgage Corporation, GMAC-RFC dba GMAC Mortgage CORP, Norwest Mortgage, BANCO Mortgage, … Handler is Wells Fargo Bank NA as TRUSTEE who push the currency of the comercial investors to the left

Key WFC Affiliates controlled the ‘Real Estate Indusry’ and Wells Fargo Bank NA as TRUSTEE in Agreements with Aencies were feed literally by the MULES their own ENHANCED private brand labelers whose Cendant Settlement Agencies and SPV’s provided the currency via RETAIL transactis handled by ‘Mules’ who did not know they were bringing the bacon home to ‘WFC’

Settlement Agencies and Agents became in 2007 ‘subsidiaries’ of the IPO entities morphed out of Cendant which began in 2005.
Goldman and CDMC for example benefitted from this relationship.

Sorry ERA Franchises, Century 21, Coldwell, Sotherby’s, Better Homes & Gardens, and …
you did not know as … ‘Brokers’ ‘Agents’ ‘Dealers’ ‘Distributors’ you were feeding the beast.

Lehman Brothers
Holdings Inc., a Delaware corporation, incorporated on December 29, 1983.
American Express Company, a New York corporation (“American Express”), owns 100
percent of the outstanding common stock of Holdings, which represents
approximately 93 percent of Holdings’ issued and outstanding voting stock.

Subsidiaries starting in 1993 Lehman:
http://www.secinfo.com/dsvr4.bWg.d.htm

Wells Fargo & Co/MN · 10-K ·
For 12/31/05 · EX-21
Filed On 3/9/06
SEC File 1-02979
Accession Number 950149-6-83
Filing Agent: Bowne of S..Francisco/FA
————————————–

EX 21 Subidiaries of the Registrant
EX-31.(A) Certification per Sarbanes-Oxley Act (Section 302)
EX-31.(B) Certification per Sarbanes-Oxley Act (Section 302)
EX-32.(A) Certification per Sarbanes-Oxley Act (Section 906)
11: EX-32.(B) Certification per Sarbanes-Oxley Act (Section 906)
——————
EX-21 · Subsidiaries of the Registrant

This is an EDGAR HTML document rendered as filed. [ Alternative Formats ]

EXHIBIT 21
SUBSIDIARIES OF THE PARENT
The following is a list of the direct and indirect subsidiaries of the Parent as of December 31, 2005: (Wells Fargo & Co/MN) Formerly Norwest Corp until the marraige Wells Fargo & Co. & Norwest 11/2/1998 then one big happy family.

Special-Purpose Vehicle (SPV) – Subsidiary or Organization
1st Capital Mortgage, LLC Delaware
Academy Financial Services, LLC Delaware
ACO Brokerage Holdings Corporation Delaware
Acordia Brokerage Services, Ltd. Bermuda
Acordia IP Group, Inc. Delaware
Acordia Management Services Ltd. Bermuda
Acordia Mountain West, Inc. Colorado
Acordia National, Inc. West Virginia
Acordia Northeast, Inc. Pennsylvania
Acordia Northeast, Inc. New Jersey
Acordia Northeast, Inc. New York
Acordia Northwest, Inc. Washington
Acordia of Alaska, Inc. Alaska
Acordia of California Insurance Services, Inc. California
Acordia of Illinois, Inc. Illinois
Acordia of Indiana, Inc. Indiana
Acordia of Indiana, LLC Indiana
Acordia of Kentucky, Inc. Kentucky
Acordia of Michigan, Inc. Michigan
Acordia of Minnesota, Inc. Minnesota
Acordia of Nevada, Inc. Nevada
Acordia of North Carolina, Inc. North Carolina
Acordia of Ohio, LLC Ohio
Acordia of Oregon, Inc. Oregon
Acordia of Phoenix, Inc. Arizona
Acordia of Tennessee, Inc. Tennessee
Acordia of Texas, Inc. Texas
Acordia of Virginia Insurance Agency, Inc. Virginia
Acordia of West Virginia, Inc. West Virginia
Acordia RE, Inc. New Jersey
Acordia Services, Inc. Delaware
Acordia Southeast, Inc. Florida
Acordia Southeast, Inc. Mississippi
Acordia Southeast, Inc. Alabama
Acordia, Inc. Delaware
Administradora Progreso, S.A. de C.V. Mexico
Advance Mortgage Virginia
Advantage Home Mortgage, LLC Delaware
Advantage Mortgage Partners, LLC Delaware
Alano Funding, LLC Delaware
Alces Funding, LLC Delaware
Alliance Home Mortgage, LLC Delaware
Alopekis Funding, LLC Delaware
Alpha Home Loans, LLC Delaware
AMAN Collection Service 1, Inc. Nevada
AMAN Collection Service, Inc. South Dakota
Amber Asset Management Inc. Maryland
Amber Mortgage, LLC Delaware
American Clearinghouse, LLC Delaware
American E & S Insurance Brokers California, Inc. California
American Priority Mortgage, LLC Delaware
American Securities Company California
American Securities Company of Missouri Missouri
American Securities Company of Nevada Nevada
American Securities Company of Utah Utah
American Southern Mortgage Services, LLC Delaware
APM Mortgage, LLC Delaware
Arcturus Trustee Limited United Kingdom
Ashton Woods Mortgage, LLC Delaware
Aspen Delaware Funding, LLC Delaware
Asset Recovery, Inc. Utah
ATC Realty Fifteen, Inc. California
ATC Realty Nine, Inc. California
ATC Realty Sixteen, Inc. California
Augustus Ventures, L.L.C. Nevada
Avenue Financial Services, LLC Delaware
Azalea Asset Management, Inc. Delaware
Bancshares Insurance Company Vermont
Belgravia Mortgage Group, LLC Delaware
Bellwether Mortgage, LLC Delaware
Benefit Mortgage, LLC Delaware
Bergamasco Funding, LLC Delaware
BHS Home Loans, LLC Delaware
Bitterroot Asset Management, Inc. Delaware
Blackhawk Bancorporation Iowa
Blue Spirit Insurance Company Vermont
Bluebonnet Asset Management, Inc. Delaware
Brenton Realty Services, Ltd. Iowa
Brittlebrush Financing, LLC Nevada
Bryan, Pendleton, Swats & McAllister, LLC Tennessee
Builders Mortgage Company, LLC Delaware
Canopus Finance Trust Delaware
Capital Pacific Home Loans, LP Delaware
Capstone Home Mortgage, LLC Delaware
Carnation Asset Management, Inc. Delaware
Central Bucks Mortgage, LLC Delaware
Centurion Agency Nevada, Inc. Nevada
Centurion Casualty Company Iowa
Centurion Life Insurance Company Missouri
Certified Home Loans, LLC Delaware
Cervus Funding, L.P. Delaware
CGT Insurance Company LTD. Barbados
Charter Canadian Trust Canada
Charter Holdings, Inc. Nevada
Chestnut Asset Management, Inc. Delaware
CHL Home Mortgage, LLC Delaware
Choice Home Financing, LLC Delaware
Choice Mortgage Servicing, LLC Delaware
Collin Equities, Inc. Texas
Colorado Professionals Mortgage, LLC Delaware
Columbine Asset Management, Inc. Delaware
Copper Asset Management, Inc. Delaware
Credito Progreso S.A. de C.V. Mexico
Crocker Properties, Inc. California
DH Financial, LLC Delaware
Dial Finance Company, Inc. Nevada
Dial National Community Benefits, Inc. Nevada
Discovery Home Loans, LLC Delaware
Eastdil Realty Company, L.L.C. New York
Eaton Village Associates, Ltd. Co. New Mexico
EDI Mortgage, LLC Delaware
Edward Jones Mortgage, LLC Delaware
Ellis Advertising, Inc. Iowa
Empire Homes Financial Services, LLC Delaware
Everest Management S.A. Luxembourg
Express Financial & Mortgage Services, LLC Delaware
EZG Associates Limited Partnership Delaware
Falcon Asset Management, Inc. Delaware
Family Home Mortgage, LLC Delaware
Financial Resources Mortgage, LLC Delaware
Financiera El Sol, S.A. Panama
Finvercon USA, Inc. Nevada
First Associates Mortgage, LLC Delaware
First Commerce Bancshares, Inc. Nebraska
First Community Capital Corporation Texas
First Community Capital Corporation of Delaware, Inc. Delaware
First Community Capital Trust I Delaware
First Community Capital Trust II Delaware
First Community Capital Trust III Delaware
First DialWest, Inc. California
First Mortgage Consultants, LLC Delaware
First Place Financial Corporation New Mexico
First Rate Home Mortgage, LLC Delaware
First Security Capital I Delaware
First Security Information Technology, Inc. Utah
First Security Service Company Utah
First Valley Delaware Financial Corporation Delaware
FITII GP, LLC Delaware
FNL Insurance Company Vermont
Foothill Capital Corporation California
Foothill Income Trust II, L.P. Delaware
Foothill Partners II L.P. Delaware
Foothill Partners III L.P. Delaware
Foothill Partners IV, L.P. Delaware
Foundation Mortgage Services, LLC Delaware
FP, IV GP, LLC Delaware
FPFC Management LLC New Mexico
Fulton Homes Mortgage, LLC Delaware
Galliard Capital Management, Inc. Minnesota
Genesis Mortgage, LLC Delaware
Gold Coast Home Mortgage Delaware
Golden Funding Company Cayman Islands
Golden Pacific Insurance Company Vermont
Goldenrod Asset Management, Inc. Delaware
Great East Mortgage, LLC Delaware
Great Plains Insurance Company Vermont
Greenfield Funding, LLC Minnesota
Greenridge Mortgage Services, LLC Delaware
Greylock Investments, LLC Delaware
GST Co. Delaware
Guarantee Pacific Mortgage, LLC Delaware
H.D. Vest Advisory Services, Inc. Texas
H.D. Vest Insurance Agency, L.L.C. Texas
H.D. Vest Insurance Agency, L.L.C. Montana
H.D. Vest Insurance Agency, L.L.C. Massachusetts
H.D. Vest Investment Securities, Inc. Texas
H.D. Vest Technology Services, Inc. Texas
H.D. Vest, Inc. Texas
HADBO Investments C.V. Netherlands
Hallmark Mortgage Group, LLC Delaware
Harrier Funding, LLC Delaware
Hearthside Funding, L.P. California
Hendricks Mortgage, LLC Delaware
Hewitt Mortgage Services, LLC Delaware
Homebuilders Choice Mortgage, LLC Delaware
Home Services Title Reinsurance Company Vermont
Homeland Mortgage, LLC Delaware
Homeservices Lending, LLC Delaware
Hometown Mortgage, LLC Delaware
Horizon Mortgage, LLC Delaware
Hubble Home Loans, LLC Delaware
Iapetus Funding, LLC Delaware
IBID, Inc. Delaware
Insurance Risk Managers, Ltd. Illinois
Interwest Capital Trust I Delaware
IntraWest Asset Management, Inc. Delaware
Iris Asset Management, Inc. Delaware
Island Finance (Aruba) N.V. Aruba
Island Finance (Bonaire) N.V. Netherland Antilles
Island Finance (Curacao) N.V. Netherland Antilles
Island Finance (Sint Maarten) N.V. Netherland Antilles
Island Finance Credit Services, Inc. New York
Island Finance Holding Company, LLC Cayman Islands
Island Finance New York, Inc. New York
Island Finance Puerto Rico, Inc. Delaware
Island Finance Sales Finance Corporation Cayman Islands
Island Finance Sales Finance Trust Puerto Rico
Island Finance Trinidad & Tobago Limited Trinidad & Tobago
IWIC Insurance Company Vermont
Jerboa Funding, LLC Delaware
John Laing Mortgage, LP California
JTS Financial, LLC Delaware
KD Mortgage, LLC Delaware
Keller Mortgage, LLC Delaware
Laurel Hills Mortgage, LLC Delaware
Leader Mortgage, LLC Delaware
Legacy Mortgage Delaware
Lincoln Building Corporation Colorado
Linear Financial, LP Delaware
Lowry Hill Investment Advisors, Inc. Minnesota
M.C.E.B. Agency, Inc. Ohio
Marben Mortgage, LLC Delaware
Marigold Asset Management, Inc. Delaware
Marigold International Limited Cayman Islands
Master Home Mortgage, LLC Delaware
Mastiff Funding, LP Delaware
Max Mortgage, LLC Delaware
MCIG Pennsylvania, Inc. Pennsylvania
MC of America, LLC Delaware
Mercantile Mortgage, LLC Delaware
Meridian Home Mortgage, LP Delaware
MJC Mortgage Company, LLC Delaware
Monument Peak, LLC Delaware
Morrison Financial Services, LLC Delaware
Mortgage 100, LLC Delaware
Mortgages On-Site, LLC Delaware
Mortgages Unlimited, LLC Delaware
Mulberry Asset Management, Inc. Delaware
Mutual Service Mortgage, LLC Delaware
National Bancorp of Alaska, Inc. Delaware
National Condo Lending, LLC Delaware
NDC Financial Services, LLC Delaware
NEC VIII, LLC Delaware
Nero Limited, LLC Delaware
New West Mortgage Services, LLC Delaware
North Star Mortgage Guaranty Reinsurance Company Vermont
Northern Prairie Indemnity Limited Cayman Islands
Northland Escrow Services, Inc. Alaska
Northwest Home Finance, LLC Delaware
Norwest Alliance System, Inc. Minnesota
Norwest Auto Finance, Inc. Minnesota
Norwest Equity Capital, L.L.C. Minnesota
Norwest Equity Partners IV, a Minnesota Limited Partnership Minnesota
Norwest Equity Partners V, a Minnesota Limited Partnership Minnesota
Norwest Equity Partners VI, LP Minnesota
Norwest Equity Partners VII, LP Minnesota
Norwest Equity Partners VIII, LP Delaware
Norwest Financial Canada DE, Inc. Delaware
Norwest Financial Funding, Inc. Nevada
Norwest Financial Investment 1, Inc. Nevada
Norwest Financial Investment, Inc. Nevada
Norwest Financial Massachusetts Massachusetts
Norwest Home Improvement, Inc. Texas
Norwest Limited LP, LLLP Delaware
Norwest Mezzanine Partners I, LP Minnesota
Norwest Mezzanine Partners II, LP Delaware
Norwest Properties Holding Company Minnesota
Norwest Venture Capital Management, Inc. Minnesota
Norwest Venture Partners FVCI-Mauritius Mauritius
Norwest Venture Partners IX, LP Delaware
Norwest Venture Partners VI, LP Minnesota
Norwest Venture Partners VI-A, LP Delaware
Norwest Venture Partners VII, LP Minnesota
Norwest Venture Partners VII-A, LP Delaware
Norwest Venture Partners VIII, LP Delaware
Norwest Venture Partners-Mauritius Mauritius
NVP Associates, LLC Delaware
Orchid Asset Management, Inc. Delaware
Pacific Coast Home Mortgage, LLC Delaware
Pacific Northwest Bancorp Washington
Pacific Northwest Statutory Trust I Connecticut
Pageantry Mortgage, LLC Delaware
Paramount Mortgage of Polk County, LLC Delaware
Parkway Mortgage and Financial Center, LLC Delaware
PCM Mortgage, LLC Delaware
Peak Home Mortgage, LLC Delaware
Pelican Asset Management, Inc. Delaware
Peony Asset Management, Inc. Delaware
Peregrine Capital Management, Inc. Minnesota
Personal Mortgage Group, LLC Delaware
Pheasant Asset Management, Inc. Delaware
Pinnacle Mortgage of Nevada, LLC Delaware
Playground Financial Services, LLC Delaware
PNC Mortgage, LLC Delaware
Precedent Mortgage, LLC Delaware
Premier Home Mortgage California
Premium Financial Services, Inc. Kentucky
Prestige Claims Service, Inc. West Virginia
Primrose Asset Management, Inc. Delaware
Priority Mortgage, LLC Delaware
Private Mortgage Advisors, LLC Delaware
Professional Financial Services of Arizona, LLC Delaware
Properties Mortgage, LLC Delaware
Provident Mortgage Company, LLC Delaware
Pumi Funding, LLC Delaware
Quail Asset Management, LLC Delaware
Real Estate Financial Delaware
Real Living Mortgage, LLC Delaware
Realtec Financial Services, LLC Delaware
Regency Insurance Agency, Inc. Minnesota
Related Financial, LLC Delaware
Reliable Finance Holding Company Puerto Rico
Reliable Finance Holding Company, LLC Nevada
Reliable Financial Services, Inc. Puerto Rico
Reliable Insurance Services Corp. Puerto Rico
Residential Community Mortgage Company, LLC Delaware
Residential Home Mortgage Investment, L.L.C. Delaware
ResortQuest Mortgage, LLC Delaware
Rigil Finance, LLC Delaware
River City Group, LLC Delaware
Riverside Home Loans, LLC Delaware
Roddel Mortgage Company, LP Delaware
Ruby Asset Management Inc. Maryland
Rural Community Insurance Agency, Inc. Minnesota
Rural Community Insurance Company Minnesota
Russ Lyon Mortgage, LLC Delaware
RWF Mortgage, LLC Delaware
RWF Mortgage Company California
Sagebrush Asset Management, Inc. Delaware
Saguaro Asset Management, Inc. Delaware
Sapphire Asset Management Inc. Maryland
Scott Life Insurance Company Arizona
Security First Financial Group, LLC Delaware
SecurSource Mortgage, LLC Delaware
SelectNet Plus, Inc. West Virginia
Servicing Mortgage Company, LLC Delaware
SG Group Holdings LLC Delaware
SG New York LLC Delaware
SG Pennsylvania LLC Delaware
SG Tucson LLC Delaware
Sierra Delaware Funding, LLC Delaware
Sierra Peaks Funding, LP Delaware
Signature Home Mortgage, LP Delaware
Silver Asset Management, Inc. Delaware
Silver State Home Financial, LLC Delaware
Sirius Finance, LLC Delaware
Smart Mortgage, LLC Delaware
Smith Family Mortgage, LLC Delaware
Southeast Home Mortgage, LLC Delaware
Southern Ohio Mortgage, LLC Delaware
Southwest Partners, Inc. California
Spring Cypress Water Supply Corporation Texas
Stagecoach Insurance Agency, Inc. California
Steinbeck Advantage Mortgage, LLC Delaware
Stock Financial Services, LLC Delaware
Stoneridge Mortgage, LLC Delaware
Summit National Mortgage, LLC Delaware
Sundance Mortgage, LLC Delaware
Sunsouth Mortgage, LLC Delaware
Superior Guaranty Insurance Company Vermont
Superior Health Care Management, Inc. Delaware
Sutter Advisors LLC Delaware
Sutter Investment Grade SCDO 2001-1 (Delaware) Corp. Delaware
Sutter Investment Grade SCDO 2001-1 Ltd. Cayman Islands
Sweetroot Funding, LLC Delaware
Tai Mo Shan Investments Partnership Hong Kong
TAI Title Trust Delaware
Telomian Funding, Inc. Delaware
Texas Financial Bancorporation, Inc. Minnesota
The Foothill Group, Inc. Delaware
The Trumbull Group, LLC Delaware
Tiberius Ventures, L.L.C. Nevada
Topaz Asset Management Inc. Maryland
Touchstone Home Mortgage, LLC Delaware
Trademark Mortgage, LLC Delaware
Traditions Mortgage, LLC Delaware
Trinity Mortgage Affiliates Delaware
Triple Diamond Mortgage and Financial, LLC Delaware
Two Rivers Corporation Colorado
United California Bank Realty Corporation California
United Michigan Mortgage, LLC Delaware
Valley Asset Management, Inc. Delaware
Victoria Investments, LLC Delaware
Violet Asset Management, Inc. Delaware
Vista Mortgage, LLC Delaware
Wapiti Funding, LLC Delaware
Washington Mortgage, LLC Delaware
Waterways Home Mortgage, LLC Delaware
Wells Capital Management Incorporated California
Wells Fargo Alaska Trust Company, National Association United States
Wells Fargo Alternative Asset Management, LLC Delaware
Wells Fargo Asia Limited Hong Kong
Wells Fargo Asset Management Corporation Minnesota
Wells Fargo Asset Securities Corporation Delaware
Wells Fargo Auto Finance, Inc. California
Wells Fargo Auto Receivables Corporation Delaware
Wells Fargo Bank Grand Junction, National Association United States
Wells Fargo Bank Grand Junction-Downtown, National Association United States
Wells Fargo Bank International United States
Wells Fargo Bank, Ltd. California
Wells Fargo Bank, National Association United States
Wells Fargo Bank Northwest, National Association United States
Wells Fargo Bill Presentment Venture Member, LLC Delaware
Wells Fargo Brokerage Services, LLC Delaware
Wells Fargo Capital A Delaware
Wells Fargo Capital B Delaware
Wells Fargo Capital C Delaware
Wells Fargo Capital I Delaware
Wells Fargo Capital II Delaware
Wells Fargo Capital IV Delaware
Wells Fargo Capital V Delaware
Wells Fargo Capital VI Delaware
Wells Fargo Capital VII Delaware
Wells Fargo Capital VIII Delaware
Wells Fargo Capital IX Delaware
Wells Fargo Capital Holdings, Inc. Delaware
Wells Fargo Cash Centers, Inc. Nevada
Wells Fargo Central Bank California
Wells Fargo Century, Inc. New York
Wells Fargo Community Development Corporation Nevada
Wells Fargo Community Development Enterprises, Inc. Nevada
Wells Fargo Credit Card Funding LLC Delaware
Wells Fargo Credit Card Master Note Trust Delaware
Wells Fargo Credit, Inc. Minnesota
Wells Fargo Delaware Trust Company Delaware
Wells Fargo Energy Capital, Inc. Texas
Wells Fargo Equipment Finance Company Canada
Wells Fargo Equipment Finance, Inc. Minnesota
Wells Fargo Equity Capital, Inc. California
Wells Fargo Escrow Company, LLC Iowa
Wells Fargo Financial Acceptance Alabama, Inc. Alabama
Wells Fargo Financial Acceptance Alaska, LLC Delaware
Wells Fargo Financial Acceptance America, Inc. Pennsylvania
Wells Fargo Financial Acceptance Arizona, Inc. Arizona
Wells Fargo Financial Acceptance Arkansas, Inc. Arkansas
Wells Fargo Financial Acceptance California, Inc. California
Wells Fargo Financial Acceptance Colorado, Inc. Colorado
Wells Fargo Financial Acceptance Connecticut, Inc. Connecticut
Wells Fargo Financial Acceptance Delaware, Inc. Delaware
Wells Fargo Financial Acceptance Florida, Inc. Florida
Wells Fargo Financial Acceptance Georgia, Inc. Georgia
Wells Fargo Financial Acceptance Idaho, Inc. Idaho
Wells Fargo Financial Acceptance Illinois, Inc. Illinois
Wells Fargo Financial Acceptance Indiana, Inc. Indiana
Wells Fargo Financial Acceptance Iowa 1, Inc. Iowa
Wells Fargo Financial Acceptance Iowa, Inc. Iowa
Wells Fargo Financial Acceptance Kansas, Inc. Kansas
Wells Fargo Financial Acceptance Kentucky 1, Inc. Kentucky
Wells Fargo Financial Acceptance Kentucky, Inc. Kentucky
Wells Fargo Financial Acceptance Louisiana, Inc. Louisiana
Wells Fargo Financial Acceptance Maine, Inc. Maine
Wells Fargo Financial Acceptance Maryland 1, Inc. Maryland
Wells Fargo Financial Acceptance Maryland, Inc. Maryland
Wells Fargo Financial Acceptance Massachusetts, Inc. Massachusetts
Wells Fargo Financial Acceptance Michigan, Inc. Michigan
Wells Fargo Financial Acceptance Mississippi, Inc. Delaware
Wells Fargo Financial Acceptance Missouri, Inc. Missouri
Wells Fargo Financial Acceptance Montana, Inc. Montana
Wells Fargo Financial Acceptance Nebraska, Inc. Nebraska
Wells Fargo Financial Acceptance Nevada 1, Inc. Nevada
Wells Fargo Financial Acceptance Nevada, Inc. Nevada
Wells Fargo Financial Acceptance New Hampshire, Inc. New Hampshire
Wells Fargo Financial Acceptance New Jersey, Inc. New Jersey
Wells Fargo Financial Acceptance New Mexico, Inc. New Mexico
Wells Fargo Financial Acceptance New York, Inc. New York
Wells Fargo Financial Acceptance North Carolina 1, Inc. North Carolina
Wells Fargo Financial Acceptance North Carolina, Inc. North Carolina
Wells Fargo Financial Acceptance North Dakota, Inc. North Dakota
Wells Fargo Financial Acceptance Ohio 1, Inc. Ohio
Wells Fargo Financial Acceptance Ohio, Inc. Ohio
Wells Fargo Financial Acceptance Oklahoma, Inc. Oklahoma
Wells Fargo Financial Acceptance Oregon, Inc. Oregon
Wells Fargo Financial Acceptance Pennsylvania, Inc. Pennsylvania
Wells Fargo Financial Acceptance Rhode Island, Inc. Rhode Island
Wells Fargo Financial Acceptance South Carolina, Inc. South Carolina
Wells Fargo Financial Acceptance South Dakota, Inc. South Dakota
Wells Fargo Financial Acceptance System Florida, Inc. Florida
Wells Fargo Financial Acceptance System Virginia, Inc. Virginia
Wells Fargo Financial Acceptance Tennessee, Inc. Tennessee
Wells Fargo Financial Acceptance Texas, Inc. Texas
Wells Fargo Financial Acceptance Utah, Inc. Utah
Wells Fargo Financial Acceptance Vermont, Inc. Vermont
Wells Fargo Financial Acceptance Virginia, Inc. Virginia
Wells Fargo Financial Acceptance Washington, Inc. Washington
Wells Fargo Financial Acceptance West Virginia, Inc. West Virginia
Wells Fargo Financial Acceptance Wisconsin, Inc. Wisconsin
Wells Fargo Financial Acceptance Wyoming, Inc. Wyoming
Wells Fargo Financial Acceptance, Inc. Minnesota
Wells Fargo Financial Agency, Co Iowa
Wells Fargo Financial Alabama, Inc. Alabama
Wells Fargo Financial Alaska, Inc. Alaska
Wells Fargo Financial America, Inc. Pennsylvania
Wells Fargo Financial Arizona, Inc. Arizona
Wells Fargo Financial Auto Owner Trust 2004-A Delaware
Wells Fargo Financial Auto Owner Trust 2005-A Delaware
Wells Fargo Financial Bank South Dakota
Wells Fargo Financial California, Inc. Colorado
Wells Fargo Financial Canada Corporation Canada
Wells Fargo Financial CAR LLC Delaware
Wells Fargo Financial Colorado, Inc. Colorado
Wells Fargo Financial Connecticut, Inc. Connecticut
Wells Fargo Financial Corporation Canada
Wells Fargo Financial Corporation Canada Canada
Wells Fargo Financial Credit Services New York, Inc. New York
Wells Fargo Financial Delaware, Inc. Delaware
Wells Fargo Financial Florida, Inc. Florida
Wells Fargo Financial Funding B.V. Netherlands
Wells Fargo Financial Georgia, Inc. Iowa
Wells Fargo Financial Guam 1, Inc. Colorado
Wells Fargo Financial Guam, Inc. Delaware
Wells Fargo Financial Hawaii, Inc. Hawaii
Wells Fargo Financial Hong Kong Limited Hong Kong
Wells Fargo Financial Idaho, Inc. Idaho
Wells Fargo Financial Illinois, Inc. Iowa
Wells Fargo Financial Indiana, Inc. Indiana
Wells Fargo Financial Information Services, Inc. Iowa
Wells Fargo Financial Investments, Inc. Nevada
Wells Fargo Financial Iowa 1, Inc. Iowa
Wells Fargo Financial Iowa 3, Inc. Iowa
Wells Fargo Financial Kansas, Inc. Kansas
Wells Fargo Financial Kentucky 1, Inc. Kentucky
Wells Fargo Financial Kentucky, Inc. Kentucky
Wells Fargo Financial Leasing Florida, LLC Florida
Wells Fargo Financial Leasing, Inc. Iowa
Wells Fargo Financial Louisiana, Inc. Louisiana
Wells Fargo Financial Maine, Inc. Maine
Wells Fargo Financial Maryland, Inc. Maryland
Wells Fargo Financial Massachusetts 1, Inc. Massachusetts
Wells Fargo Financial Massachusetts, Inc. Massachusetts
Wells Fargo Financial Michigan, Inc. Michigan
Wells Fargo Financial Minnesota, Inc. Minnesota
Wells Fargo Financial Mississippi 2, Inc. Delaware
Wells Fargo Financial Mississippi, Inc. Delaware
Wells Fargo Financial Missouri, Inc. Missouri
Wells Fargo Financial Montana, Inc. Montana
Wells Fargo Financial National Bank United States
Wells Fargo Financial Nebraska, Inc. Nebraska
Wells Fargo Financial Nevada 1, Inc. Nevada
Wells Fargo Financial Nevada 2, Inc. Nevada
Wells Fargo Financial Nevada, Inc. Nevada
Wells Fargo Financial New Hampshire 1, Inc. New Hampshire
Wells Fargo Financial New Hampshire, Inc. New Hampshire
Wells Fargo Financial New Jersey, Inc. New Jersey
Wells Fargo Financial New Mexico, Inc. New Mexico
Wells Fargo Financial New York, Inc. New York
Wells Fargo Financial North Carolina 1, Inc. North Carolina
Wells Fargo Financial North Carolina, Inc. North Carolina
Wells Fargo Financial North Dakota, Inc. North Dakota
Wells Fargo Financial Ohio 1, Inc. New Hampshire
Wells Fargo Financial Ohio, Inc. Ohio
Wells Fargo Financial Oklahoma, Inc. Oklahoma
Wells Fargo Financial Oregon, Inc. Oregon
Wells Fargo Financial Pennsylvania, Inc. Pennsylvania
Wells Fargo Financial Preferred Capital, Inc. Iowa
Wells Fargo Financial Puerto Rico, Inc. Delaware
Wells Fargo Financial Receivables, LLC Delaware
Wells Fargo Financial Resources, Inc. Iowa
Wells Fargo Financial Retail Credit, Inc. Iowa
Wells Fargo Financial Retail Services Company Canada Canada
Wells Fargo Financial Retail Services, Inc. Iowa
Wells Fargo Financial Rhode Island, Inc. Rhode Island
Wells Fargo Financial Saipan, Inc. Delaware
Wells Fargo Financial Security Services, Inc. Iowa
Wells Fargo Financial Services Funding, Inc. Delaware
Wells Fargo Financial Services Virginia, Inc. Virginia
Wells Fargo Financial Services, Inc. Delaware
Wells Fargo Financial South Carolina, Inc. South Carolina
Wells Fargo Financial South Dakota, Inc. South Dakota
Wells Fargo Financial System Florida, Inc. Florida
Wells Fargo Financial System Minnesota, Inc. Minnesota
Wells Fargo Financial System Virginia, Inc. Virginia
Wells Fargo Financial Tennessee, Inc. Tennessee
Wells Fargo Financial Tennessee 1, LLC Tennessee
Wells Fargo Financial Texas, Inc. Texas
Wells Fargo Financial Utah, Inc. Utah
Wells Fargo Financial Virginia, Inc. Virginia
Wells Fargo Financial Washington 1, Inc. Washington
Wells Fargo Financial Washington, Inc. Washington
Wells Fargo Financial West Virginia, Inc. West Virginia
Wells Fargo Financial Wisconsin, Inc. Wisconsin
Wells Fargo Financial Wyoming, Inc. Wyoming
Wells Fargo Financial, Inc. Iowa
Wells Fargo Financing Corporation California
Wells Fargo Foothill, Inc. California
Wells Fargo Foothill, LLC Delaware
Wells Fargo Funding, Inc. Minnesota
Wells Fargo Funds Distributor, LLC Delaware
Wells Fargo Funds Management (Ireland) Limited Ireland
Wells Fargo Funds Management, LLC Delaware
Wells Fargo Home Mortgage of Hawaii, LLC Delaware
Wells Fargo Housing Advisors, Inc. California
Wells Fargo HSBC Trade Bank, National Association United States
Wells Fargo Institutional Funding, LLC Delaware
Wells Fargo Institutional Securities, LLC Delaware
Wells Fargo Insurance Nevada, Inc. Nevada
Wells Fargo Insurance Wyoming, Inc. Wyoming
Wells Fargo Insurance, Inc. Minnesota
Wells Fargo International Commercial Services Limited Hong Kong
Wells Fargo Investment Group, Inc. Delaware
Wells Fargo Investment Services, LLC Delaware
Wells Fargo Investments, LLC Delaware
Wells Fargo Private Client Funding, Inc. Delaware
Wells Fargo Private Investment Advisors, LLC Delaware
Wells Fargo Properties, Inc. Minnesota
Wells Fargo Real Estate Capital Investments, LLC Delaware
Wells Fargo Real Estate Tax Services, LLC Delaware
Wells Fargo Retail Finance, LLC Delaware
Wells Fargo Retail Finance II, LLC Delaware
Wells Fargo Rural Insurance Agency, Inc. Minnesota
Wells Fargo Securities, LLC Delaware
Wells Fargo Securitisation Services Limited United Kingdom
Wells Fargo Servicing Solutions, LLC Florida
Wells Fargo Small Business Investment Company, Inc. California
Wells Fargo Structured Lending, LLC Delaware
Wells Fargo Student Loans Receivables I, LLC Delaware
Wells Fargo Ventures, LLC Delaware
Wells Fargo, Ltd. Hawaii
WF CLT Capital 2002, LLC Delaware
WF Deferred Compensation Holdings, Inc. Delaware
WF National Bank South Central United States
WFC Holdings Corporation Delaware
WFF Auto Hawaii, Inc. Hawaii
WFI Insurance Agency Montana, Inc. Montana
WFI Insurance Agency Washington, Inc. Washington
WFI Insurance Agency Wyoming, Inc. Wyoming
WF-KW, LLC Delaware
WF/TW Mortgage Venture, LLC Delaware
WFLC Subsidiary, LLC Delaware
Whippet Funding, LLC Delaware
Windward Home Mortgage, LLC Delaware
Yucca Asset Management, Inc. Delaware

“Follow the Money” that was reported inside of the Federal Resere System on the FFIEC.GOV
From a GOOGLE.COM search box (or your results may be different)….

http://www.ffiec.gov/nicpubweb/nicweb/SearchForm.aspx

From this URL, Searh ‘part of an institutions name’ and follow the money in COUNTRY ‘ANY Country Includes US’ for the beast is not American only the placement of their ‘Trojan Horse’

Look up anyone of the Agencies and you’ll find the Federal Reserve System relationships and follow the money:

Pinnacle Mortgage of Nevada, LLC a DE Corp is one of the 105 business entities who are subsidiaries of Wells Fargo & Co/MN (formerly Norwest Corp) who do busienss using Wells Fargo Bank NA on all of their transactions but are not a bank! Because they use ‘national bank’ on their transactions that may have harmed you as a consumer, the LOOPHOLE of the UCC Codes and regulations of the Federal Reserve got Congress to approve ‘do not investigate’ when consumers try to report facts of harm and injury over the past DECADE revaling how these Agencies and SPV’s are harming not only the families but nation!

No one, no one including the OCC helps a consumer who is in ‘litigation’ and that includes bankruptcy and foreclosure.

Like ‘Superior Asset Management’ Parent Wells Fargo & Company, a Financial Holding Company Domestic RSSD ID 1120754

-* WELLS FARGO BANK MINNESOTA, NATIONAL
ASSOCIATION (995151)
1 MINNEAPOLIS MN National Bank
and

–* SUPERIOR ASSET MANAGEMENT, INC. (2015268) 6 LAS VEGAS NV Domestic Entity Other

= #1 * WELLS FARGO & COMPANY (1120754) SAN
FRANCISCO CA Financial Holding Company – Domestic

HISTORY:
12/11/1992 Superior Asset Managemetn, Inc.
100 West Commons Blvd, Suite 303
New Castle DE – Established as a Domestic Entity

11/1/1999 moved to 3300 Sahara Ave, Las Vegas NV

1/23/2004 Acquired by Azalea Asset Management

FOR EXAMPLE:

INTRAWEST ASSET MANAGEMENT INC (3051946) LAS VEGAS NV (DEO)

——* WELLS FARGO FUNDING, INC. (1970614) Minneapolis MN Domestic Entity Other (DEO)
RESIDENTIAL HOME MORTGAGE INVESTMENET, LLC (2292087) DES MOINES IA (DEO)
WELLS FARGO ASSET MANAGEMENT CORP, DES MOINES IA (1963371)

——* AZALEA ASSET MANAGEMENT, INC. (2666295) LAS VEGAS NV Domestic Entity Other

——* WELLS FARGO PRIVATE CLIENT FUNDING, INC.(2971083) SANFRANCISCO CA Finance Co

——-* WELLS FARGO STRUCTURED LENDING, LLC (3302602) SAN FRANCISCO CA Finance Company

___________________________________

FIRST UNION HOLDINGS LLC
FIRST UNION FINANICAL INVESTMENTS LLC

FEED TO:2 -* WELLS FARGO BANK, NATIONAL ASSOCIATION (451965) 1 SIOUX FALLS SD National Bank

PASS THROUGH AGENCY (NO 10K’S)

33 Responses

  1. Saveamericaone–yeah, funny that, right?

    http://en.wikipedia.org/wiki/Bank_of_America_Home_Loans

    So–Countrywide is probably up and running pretty much the same as it ever was–it just has the “new” name, “Bank of America Home Loans.”

    I always picture that when one bank acquires another–the acquired entity is “folded into” the acquiring entity. But, I guess there is nothing that keeps them from maintaining the existing entity exactly as it was before the acquisition–just new neon lettering on the front of the building and new business cards for the same ole people.

    And, if anyone is looking for a REALLY fun table, check out this Wikipedia link. (But the fun doesn’t start until you start clicking on the bank names that are (linked) in blue.

    http://en.wikipedia.org/wiki/List_of_bank_mergers_in_United_States

    Also, here is list of Bank of America’s “Historical Components” per Wikipedia. (I love the term “historical component.” I guess that is like “corporate DNA.”)

    BOA Historical Components:

    Bank of America Securities · Bank of America, Los Angeles · Bank of Italy · BankBoston · Barnett Bank · Boatmen’s Bancshares · Cassatt & Company · Citizens & Southern National Bank · Commercial National Bank · Continental Illinois · Countrywide Financial · E.A. Pierce & Co. · Farmers and Merchants Bank of Los Angeles · First Republic Bank Corporation · Fleet Bank · Fourth Financial Corporation · G. H. Walker & Co. · LaSalle Bank · Mercury Asset Management · MBNA/Maryland National Bank · Michigan National Bank · Montgomery Securities · NationsBank · North Carolina National Bank · Rainier Bancorp · Robertson Stephens · Seafirst Bank · Security Pacific Bank · Standard Federal Bank · Sovran Bank · Suretrade · White Weld & Co.

  2. Who the heck is ROGER??????

  3. Mike did you see that CTC Real Estate is BOA

  4. 973-347-3457 Mary Cochrane any time.

  5. Marie call anytime I am not contentous and sharing freely facts.
    Everyone wants a simple answer. There is no simple answer.
    How they harmed you is what you need to know to win!
    Please call 973-347-3475.

  6. Ms Cochrane

    With all due respect some of your postings are very hard for this reader to follow.

    And I would submit that exhorting the “stupid” masses to somehow become more sophisticated so that we can get an attorney interested in our case(s) is practically delusional. Using what for money, pray tell.

    No offense but you sound contemptuous of people who are struggling to understand concepts and schemes of incredible complexity. Can’t fathom why. If we were all wealthy harvard grads we wouldn’t need to visit this site day after day. We be having cocktails with our equally wealthy sophisticated financially secure friends.

  7. But why would BONY allow Countrywide to masquerade as the “Lender” on my note and deed of trust if the money actually came from BONY / Purchasers of securities?

    (Good Question) What benefit does BONY get from such an arrangement? M.soliman- you have my email.

    You can write me. .publishing the answer here -?-where the opposition reads everything –no responsible thing to do…

    As for Roger – If I knew half of what you forgot I would be a wealthy man – Don’t stop fighting

    …..Thanks for the support to date –

    I owe you. Brother – wake up – if you understood the accounting issues you could answer this guy’s question –

    Accounting – final thoughts – everything a bank does is accounting based.

    Banks spend every day of the year obsessed in Accounting. They do go to court from now and then – but live and die by accounting. . . Enron Tyco …WorldCom –

    ACCOUNTING VIOLATIONS – leading to securities fraud. How can a securities violation take place without an accounting analysis….General Ledgers is where the fraud is alleged.

    The HUD one is an accounting the disbursement;

    SERVICING ACCOUNTING ACCRUAL and lasted payments, foreclosure is an account of the balances due and amount to cure and or satisfaction. If the accounting is off the foreclosure fails. . .

    Has anyone ever asked myself or this site to prove them with an accounting of the balance they owe —if not correct the FORECLOSURE FAILS….per deim –

    ACCOUNTING …FAS 140 your biggest allies in the courtroom alleging fraud – FASB and IASB dominate the trust revised rules for securitization – reporting year end and 8 K…

    ALL ACCOUNTING….you read the SEC registration’s- have you ever read the financials – Accounting for the claims posted in financials that the attorneys tell the judge we are incorrect with concerning our arguments in court ….

    Accounting for common versus preferred as $250.00 a share for common trust certificates, accounting for the pledge of common into deposit for benefits of BONY proving the liquidity to resume funding upon closing a trust ABS registration – – – –

    ACCOUNTING

  8. Dear Zoe: Opps funny word– ‘ass”u”me’ — Never ever assume regarding law. Step into your local County Court House Library to get an idea of the books on procedure.

    You need an attorney and need to bring to your attorney evidece regarding the matter you want the attorney to represent you.

    If not in FC or BK and concerned you have a title that may be clouded get evidence. How? Read CLOUDEDTITLE.

    Important: Consumers on Retail ‘mortgage loan’ side do not own the harminfliected upon investors. Your property was not recorded into the trust. So what, a loan# CrScore App$ and Loan$ is all that was placed on the ‘purchase order’ of the master servicer who sold in one transaction one day the past 90 days business of $1Billion dollars of retail loans originated by many of affiliates brokers, dealers, agents, agencies. The Seller of the Discounted Loans became the SERVICER when you reviewed your HUD, TILA, mortgage loan, promissory note, and other legal documents. The day you signed on the dotted line they manuvered you to sign with the SERVICER and its the SERVICER foreclosing in the ‘filefoldername’ the loan#’s were placed into.

    The ‘label’ trustee is to confuse you. The SERVICER is in Court not the ‘Loan Trust’

    The ‘FunnyNamedLabel’ recorded in the SEC is not the name on the ‘Certificates’ is the name on a ‘filefolder’ passed through LPS and DOCX related to the SERVICER.

    Repeat ‘Stupid people file stupid complaints all the time.’

    What makes the Federal Republic goverance different is ‘independent’

    Experts of law to present, hear and rule over law in the COURT according specific rules, time schedules, statute of limitations, based on harm and remedy one will know the correct court …. last step is filing the complaint with the COURT.

    The complaint is to be filed in accordance with and in strict compliance of published procedures.

    Lawyers go to law school to learn law and learn the strict procedures of the courts they file complaints.

    The Court does not tell you ‘ sorry ‘ you need to take over to …. File with the wrong court, you lose.

    Bring up in a Court of Equity (foreclosure) as a defendant a technicality about a robo signor expecting the court to do something – no. The court will interpret the contract and intent when you signed and did you get the money, did the technicality affect the outcome? No.

    Chain of Title (A B C D) evidence from LivingLies
    and with evidence you’ll get an attorney to be interested.

  9. Mike –
    ABA Institution Identifier. You know the personal check identify on the bottom of your personal checks identifies the instituton you bank with.

    RTN #’s http://www.routingnumbers.org

    ‘Title Order Number’ how much was the check for?
    Could be check of intermediary funder from underwriter – Abstractor.

    Multi9ple SouthTrust Banks and date important for they change parents.

    May not be the right bank, but this SunTrust was Wachovia now Wells Fargo Sioux Falls SD as of 2009.

    Please note that financial institutions are in leases and agreements with each other even if competitors. The best deal is no risk. Get someone else to take the risk on your behalf. Originators have no risk, they sell loans at a discount. Good deal you pay retail for the loan. Its an actual purchase of a finncial product and some of the related transactions to funding the loan for property are financial services purchased or sold.

    Financial Institutions are clients of each other. When a commercial bank says ‘customer’ and ‘client’ “Its in the best interests of our’ they mean the stockholders and commercial clients which include other financial institutions who are competitors.

    The world is not flat :’} Commerce makes the world go round and round

  10. UsedKarGuy ,, M. Soliman ,,

    It’s late , I’m tired and I work early on Sundays and I have only glanced at FASB 140-3 so forgive this question if it appears obvious..

    I have a loan funded by “Option One” (named lender) with a Mellon Pittsburgh (actual funder from wire inst.) that seems to be connected to Harley Davidsons EagleMark lending division when you look up the ABA routing numbers..

    I understand about “use it or lose it” lines of credit and can see where this roundabout type of thing could keep a line open.

    Is derecognition simply a tool used to keep these intermediaries hands off of the income stream (their hands don’t need to be kept off of the note since conversion killed that)

  11. Sorry can’t finish today taking hubby to hospital but here is what I have:

    No conspiracy theories. Get serious about getting evidence if you want the opportunity to protect yourself. Sign up and secure the new Luminaq audit invaluable evidence to bring to an attorney to protect your property from theft by a party without standing who is trying to take possession of the property by deceptive acts. No evidence they win. Will you be one of the millions whose properties have/are being stolen over past decade! Without evidence you lose.
    Facts regarding CTS Real Estate Financial:
    NATIONSBANK aka Bank of America’s Indy/Mac Countrywide Funding which BOA acquired in 1992/1993 and began doing their business under their names to make you think they just acquired Countrywide and joke is on consumers.
    The historians have not documented the Age of Diversification (1980’s forward) in fifth grade format approved by the Federal Reserve placed in history books yet.
    We are on our own and can use the tools they used to take your property by deception and win.
    Bank of America Corp/DE –Symbols ‘BAC’ & ‘NQI’
    National Commercial Bank
    Registrant’s former names:
    Bankamerica Corp/DE 10/22/98
    Nationsbank Corp 7/3/92
    NCNB Corp 1/7/92
    Bank of America Corporate Center, 100 N. Tyron St, Charlotte NC 28255

    No 10K’s for any of these Conglomerates on SEC Significant.
    Bank of America Ventures Registrant: (950 Tower Ln, Ste 700, Foster City CA) 2/13/01 to 8/28/08 (“Filer” “Owner” “Filing Agent”) (NO 10K’s)
    (4) Closely Related
    1. Bank of America DE SEC#7058 IRS 95=6016836 CUSIP 060505-Issuer
    2. Bank of America NA SEC# 1102113
    3. Bankamerica Investment Corp SEC#1261870
    4. NB HOLDINGS CORP SEC#1014768

    CTC Real Estate Services, Domestic Entity Other, listed under Federal Reserve System the Parent Bank of America as of today.
    Find out the rules in your What are rules of your state regarding County Clerk, go visit them in your county (there are rules if recorded including whether the documents can be sequentially or simultaneously recorded). Was the document recorded? And if recorded, did it have to be recorded, how was it recorded by written request or electronically? What do you see on the County Clerk website on the TOP DOCUMENTS which were the electronic instructions? And so on – so much evidence exists from that one question. There are no theories of excitement to find only facts.
    Who gets instructed the Satisfaction of Mortgage be created? That is a data fact you might start to understand that the Settlement Agent (Attorney) (Dealer) (Broker) (Distributor) (Agents) are ordered by ORIGINATOR to create transactions.

    Find out who is CTC Real Estate Services Lancaster CA.
    FFIEC.GOV – RSSD ID 3033054 Parent ‘Bank of America’ BOA entity still comes up as active on Federal Reserve System. Ran Report 2001.

    CTC REAL ESTATE SERVICES (3033054) as of 05/14/2011 SIMI VALLEY CA Domestic Entity Other

    Ctc Real Services (Estate) (Trustee)they are going to handle the auction of the property.

    On Google.com Look at ‘Notice of Trustee Sale’ http://207.213.245.213/sample/otrtail.htm
    I find once consumers realize these are just everyday business documents we are intelligent enough to understand you gain confidence and want to know more instead of being a snail holding up in a shell until it’s taken away from you.

    ‘Abridged Title Chain
    First 10 Open TDS and Liens as of 6/27/2001
    Reveals Grantee/Lender

    Notice of Trustee Sale (NOS)
    TRUSTEE: CTC Real Estate Services 6/25/2001 805-578-6618
    ADDRESS: 12720 Norwal Bl Norwalk
    TRUSTOR (OWNER): William Atkinson from 1993
    BENEFICIRY: CTC Real Estate Services
    Delinquency: $6,142
    Tracked Trustee Sales Date: REC Next Date is Auction 7/20/2001
    Grantee/Lender
    1) Countrywide Home Loan $119,792, Av Finl $23,200
    2)

    [I called phone# on form –changed and # they forward you to gone and operate lists 3 like companies to select from 805-578-6618 (Trustee Services) new # 6269274399 Called – Not in Service (3 similar businesses Credit Bureau Assoc, Info Mgmt Systems Inc, Tripple A Credit Bureau)]
    Similarly-Named Registrants
    Bank of America 1999-10
    Bank of America 1999-11
    Bank of America 1999-12 [ now Bams Mortgage Pass Through Certificates Series 1999-12 ]
    Bank of America 1999-3
    Bank of America 1999-4
    Bank of America 1999-5
    Bank of America 1999-6 [ now Bams Mortgage Pass Through Certificates Series 1999-6 ]
    Bank of America 1999-8 [ now Bams Mortgage Pass Through Certificates Series 1999-8 ]
    Bank of America 1999-9 [ now Bams Mortgage Pass Through Certificates Series 1999-9 ]
    Bank of America Auto Receivables Securitization/LLC
    Bank of America Auto Trust 2010-2
    Bank of America Capital Advisors LLC
    Bank of America FSB/CA
    Bank of America FSB Master Ser Mort Pass Thr Cert Ser 1998-3 [ now Ba Mortgage Securities Inc Mort Pass Thr Cert Series 1998-3 ]
    Bank of America Master Credit Card Trusts [ now Ba Master Credit Card Trust ]
    Bank of America Mor Sec Inc Mor Pass Thr Cer Ser 2001-C
    Bank of America Mor Sec Inc Mor Pass Through Cert Ser 2001-6
    Bank of America Mortgage Sec Inc Mor Pas Thr Ce Se 2001-12 [ now Bank of America Mortgage Securities Inc 2001-12 ]
    Bank of America Mortgage Sec Inc Mor Pa Th Cert Ser 2002-6
    Bank of America Mortgage Sec Inc Mor Pa Th Cert Ser 2002-F
    Bank of America Mortgage Sec Inc Mor Ps Thr Cer Ser 2001-A
    Bank of America Mortgage Sec Inc Mor Ps Thr Cer Ser 2001-F
    Bank of America Mortgage Sec Inc Mor Ps Thr Cer Ser 2002-8
    Bank of America Mortgage Sec Inc Mort Ps Thr Cer Ser 2002-9
    Bank of America Mortgage Sec Inc Mort Ps Thr Cert 2002-I
    Bank of America Mortgage Sec Inc Mort Ps Thr Cert Se 2002-J
    Bank of America Mortgage Sec Inc Mort Ps Thr Cert Ser 2002-3
    Bank of America Mortgage Sec Inc Mort Ps Thr Cert Ser 2002-K
    Bank of America Mortgage Sec Inc Mort Ps Thr Crt Ser 2002-10
    Bank of America Mortgage Sec Mor Pa Th Cert Ser 2002-F [ now Bank of America Mortgage Sec Inc Mor Pa Th Cert Ser 2002-F ]
    Bank of America Mortgage Sec Mort Pass-Thr Cert Ser 2002-D [ see Bank of America Mortgage Securities Inc ]
    Bank of America Mortgage Sec Mort Pass Throu Cert Ser 2000 5
    Bank of America Mortgage Sec Mort Pas Thr Cert Ser 2002 6
    Bank of America Mortgage Securities Inc [ formerly Ba Mortgage Securities Inc ]
    Bank of America Mortgage Securities Inc 2001-12
    Bank of America Mortgage Securities Inc 2001-2
    Bank of America Mortgage Securities Inc 2001-H
    Bank of America Mortgage Securities Inc 2002-2
    Bank of America Mortgage Securities Inc 2002-2 [ now Bank of America Mortgage Securities Inc 2002 B ]
    Bank of America Mortgage Securities Inc 2002 B [ formerly Bank of America Mortgage Securities Inc 2002-2 ]
    Bank of America Mortgage Securities Inc M Pa Th Ce Se 2000-1 [ see Bank of America Mortgage Securities Inc ]
    Bank of America Mortgage Securities Inc M Pa Th Ce Se 2002-H
    Bank of America Mort Sec Inc Mort Pass Thr Cert Er 2002-2 [ now Bank of America Mortgage Securities Inc 2002 B ]
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 1999-1
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 1999-10
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 1999-2
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 1999-3
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 1999-4
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 1999-5
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 1999-6
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 1999-9
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2000 1
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2000-3
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2000-6
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2000-7
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-1
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-10
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-11
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-3
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-4
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-5
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-8
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-D
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2001-G
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2002-1
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2002-2 [ now Bank of America Mortgage Securities Inc 2002-2 ]
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2002-4
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2002-7
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2002-A
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2002 D
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2002 G
    Bank of America Mort Sec Inc Mort Pass-Thr Cert Ser 2002-L
    Bank of America Mort Sec Inc Mort Pass Thr Cert Ser 2003-D
    Bank of America Mort Sec Inc Mort Pass Thru Cer Ser 1998-7
    Bank of America Mort Sec Inc Mort Pass Thru Cer Ser 1999-12 [ see Bank of America Mortgage Securities Inc ]
    Bank of America Mort Sec Inc Mort Pass Thru Cer Ser 1999-7
    Bank of America Mort Sec Inc Mort Pass Thru Cert Ser 2002-E
    Bank of America Mort Sec Inc Mort Pass Thru Certs Ser 2000 8
    Bank of America Mort Sec Inc Mort Pass Thru Ser 2000-1
    Bank of America Mort Sec Inc Mort Pass Thru Ser 2000-2
    Bank of America Mort Sec Inc Mort Pass Thru Ser 2000-3
    Bank of America Mort Sec Inc Mort Pass Thru Ser 2000-4
    Bank of America Mort Sec Inc Mort Pas Thr Certs Ser 2001 H [ now Bank of America Mortgage Securities Inc 2001-H ]
    Bank of America Mort Sec Inc Mort Pas Thru Cert Ser 1999-11
    Bank of America Mort Sec Inc Mort Pas Thru Cert Ser 2000-A
    Bank of America Mort Sec Mort Pass Thru Cer Ser 1998-6
    Bank of America Mort Secs Inc Mort Pas Thru Cert Ser 1999-8
    Bank of America Mort Secs Inc Mort Pas Thru Cert Sers 1999-7
    Bank of America Mort Secs Mort Pass Thru Certs Sers 2001 B
    Bank of America NA
    Bank of America National Association [ now Bank of America National Association USA ]
    Bank of America National Association USA [ formerly Bank of America National Association ]
    Bank of America National Trust & Saving Association
    Bank of America Preferred Capital Corp
    Bank of America Trust Co of Delaware National Association [ now U/S/TRUST Co OF DELAWARE ]
    Bank of America Ventures
    First Community Bank Corp of America
    First Federal Savings Bank of America Emp Stock Owner Plan
    First Federal Savings Bank of America Thrift Plan
    First of America Bank Corp/MI
    First of America Bank-Michigan NA [ now National City Bank of Michigan/Illinois ]
    First of America Bank Northeast Illinois NA [ now National City Bank of Michigan/Illinois ]
    Foreign Trade Bank of Latin America/Inc [ formerly Latin American Export Bank ]
    MS Structured Bank of America Debt Backed Step Up Callables Series 2010-02 [ now MS Structured Step Up Callable Trust Units Series 2010-02 (BAC) ]

  12. Guys,

    Any theories on why/how this happened?

    Included within the closing file from the closing attorney’s office for the 2003 IndyMac loan, there is a satisfaction of mortgage for the prior (Countrywide) loan.

    It is a photocopy of a signed, notarized and witnessed satisfaction of mortgage, but there is no county clerk stamp of filing/recording on it.

    However, on our local land records database, there is a different satisfaction of mortgage for the same (Countrywide) loan. This one is, of course, stamped, dated and filed.

    The layout, wording, and place of origination of the document (CTC Real Estate Services in Lancaster, CA) is the same as the non-recorded version, however, the execution date is several days off, and all signatures–the MERS authorized officer, the two unofficial witnesses, and the notary are all different from the satisfaction of mortgage that is in the closing attorney’s file.

    So, we are left with two documents that seemingly memorialize two separate instances of paying off that one same loan. It is as though the event were memorialized and then re-memorialized. (Is it even kosher to re-memorialize an event without saying that it is a RE-memorialization?)

    Does anyone have any ideas as to what would have triggered the execution of two distinct satisfactions of mortgage, rather than just one–several days apart, with completely different signatories? (btw, there was NO heloc or 2nd mortgage associated with the Countrywide loan–it was just one loan.)

    Any input or thoughts on the matter would be appreciated. (I have one theory–but I want to hear if there is a more obvious explanation, first!) Thanks!

  13. OK–thought about it some more.

    Why would Countrywide Bank have any of its money in an account at BONY? Doesn’t that defeat the purpose of being a bank? Why would any bank have any of its money on deposit with another bank?

    The short answer, I guess, is that no bank would do that–that is, no bank would have its money on deposit with another bank. And I know that Neil has hammered this point often and so I’m merely repeating what he’s already said, but obviously what happened is just what Neil said in my securitization search:

    -Countrywide is/was a broker, serving exactly the same purpose as a local broker, but of course on a national scale.

    -So BONY sold securities to investors, then made it known to Countrywide and other similar brokers that BONY had money available for lending.

    -I hired a local broker to find me a loan, and that local broker contacted a national broker–Countrywide in this case–who in turn made a deal with BONY.

    That makes sense to me thus far, based on what I’ve read here and in my securitization report I purchased from Luminaq.

    So I suppose that’s why my closing instructions indicate that the “funding check” is coming from BONY–because Countrywide was merely a broker for loans from BONY, who had sold securities to investors before I ever hired the local broker.

    But why would BONY allow Countrywide to masquerade as the “Lender” on my Note and Deed of Trust if the money actually came from BONY/purchasers of securities? What benefit does BONY get from such an arrangement? Is the benefit that BONY is insulated from liability by the layers of middlemen (i.e., Countrywide and local broker)?

    Was Countrywide Bank, FSB even a real bank? Did it have any real assets or did it just have the name, which made it sound like a real bank?

  14. I cannot, for the life of me, make heads or tails of how “derecognition” relates to my question(s). I would like to understand, I really would. What does derecognition have to do with a Countrywide Bank loan coming out of a Bank of New York account?

    Derecognition is “the removal of an asset or liability (or a portion thereof) from an entity’s balance sheet.” OK, that may be helpful to know in relation to this mortgage hijacking fiasco, but I fail to see how said asset removal has anything to do with one bank using another to “fund” loans.

    Anybody else got a theory or an explanation of why Countrywide Bank would send funds via Bank of New York Mellon rather than straight from Countrywide Bank itself? Is that even what happened? Is that illegal in any sense? Is it even unethical?

    It does seem a little suspicious to me–“it” being the act of Countrywide Bank transferring funds to the seller of my house via Bank of New York Mellon. If I were Countrywide Bank, I would think that it would be in my best interests to not have to pay a bank–BONY Mellon in this case–to be a middleman. Still pondering…

  15. carie, “derecognition” is when the loan is extinguished as a write-off, pursuant to FASB 140-3. When the QSPE goes bust and they have to take the assets (loans aka LIABILITIES) back onto their balance sheets, the loan is zeroed out (de-recognized) and sold off as a collection right for your non-performing loan (NPL). Or worse (like my loan) it gets carried in another trust or re-securitization of your own defaulted loan.

    Start reading…….

    Yes, Maher, I know. No one is listening. However, the first order at hand has to be the “standing” issue. The accounting argument is more than “germaine”, but the depth and breadth of understanding required leaves most people in a fog. Not to mention the judge or your own attorney.

  16. @ M.Soliman:

    I am a lay person, so bear with me: Does derecognition mean that there are no loans? And if this is true, what kind of evidence with regards to this should I show a judge in a pro se situation to stop a foreclosure?

  17. Thank you, Neidermeyer, I am anxious to check that out.

    Just wanted to mention that I found this wording in a Countrywide Loan closing file from 2003:

    ****************************************

    On page 5 of a 9-page form that is marked at the bottom sort of illegibly as:

    FHA/VA/CONV
    Closing Instructions
    2COa6GUS (12/02)

    (The alpha-numeric identifier is just my best stab at deciphering a very blurry electronic copy.)

    ******************************************

    (x) Table Funded Loans And Concurrent Closings.

    “Regardless of whether or not the Lender is the named lender on the Loan, if Lender’s Funds are being used to fund the Loan then all the terms and conditions in these instructions must be satisfied prior to your release of Lender’s Funds for any purpose.”

    ********************************************

    I was sort of taken aback by the “Regardless of whether or not the Lender is the lender named on the Loan” concept……

  18. Mike ,

    The ABA number is the banks identifier ,, the account number listed should be for the title companies escrow account that they will write your check against.

    http://abanumberlookup.com/

  19. Soliman- comment on IAS 38 or 39 as it relates to intangible assets and derecognition

  20. REMEMBER THEY WERE USING LINES OF CREDIT SET UP WITH MILLIONS OF DOLLARS OF FUNDS AND THEY HAD TO MEET QUOTAS ON THOSE FUNDS, THEY HAD TO LEND THE FULL AMOUNTS IN ORDER TO HAVE THE LINES OF CREDIT INCREASES.

    LOOK AT THE BANKRUPTCY FILING OF FIRST MAGNUS FINANCIAL, THEY LIST SEVERAL SOURCES OF FUNDS AND LINES OF CREDIT PLUS THEY DESCRIBE HOW THE SOLD THE LOANS FORWARD IN ADVANCE OF SETTLEMENT.

    THE BK TRUSTEE IS FORECLOSING USING THE SAME CROOKED AND FRAUDULENT DOCS ORIGINALLY GENERATED BY FIRST MAGNUS FINANCIAL. T SEEMS EASY CASH IS ADDICTIVE WITH BLANK ENDORSED NOTES AND ALL THAT JAZZ.

  21. And to think That I paid over $10,000 in attorney fees to on ignorant attorney that told me the closing or “LENDER INSTRUCTIONS” were non consequential to my claims, he just had me bend over and take it from the BANKSTERS..

    I kept telling him to look at the closing instructions and he would continue to look the other way. Most lawyers do not understand the depth and effect of TILA and the requirements for disclosure on a table funded loan.

    Most pretenders had already pre sold your loan by the time you were on the table.

    Require a copy of the closing instructions. Most itle companies had electronic records and most closing packages were sent to them via email. There is a software provider that had a web based application called ‘TITLE EXPRESS”.

    Sue the title agent, he will run to provide yo with the paper work. Once again most closing packages were sent electronically and these docs are in some database in some cloud somewhere.

    Do not listen to ignorant lawyers like I did.

  22. Soliman- comment on IAS 38 intangible asset as it applies to derecognition

  23. Here is another basic question (in reference to my earlier comment.)

    With the loan file that I referenced, the wire transfer instructions come from an address that is just a few miles away from the closing attorney’s office. Why would it be necessary to wire funds, rather than bringing a check via the agent/affiliate/mortgage broker?

    Is this just the way things are done? (The loan I referenced was closed in 2003.) Why would wiring have been preferable to check-writing–especially way back in 2003?

  24. OT is Countrywide Bank, FSB. The closing instructions say to wire excess funds to Bank of New York Mellon, who of course is not mentioned in the Note or DOT.

    Derecognition – I told this site what it was two years ago —-amazing .

    …its sick….just sick …..keep guessing. (shhhhh Derecognition)

  25. WTF

    . . . . . wheels keep on turning …hot ….hotter …nope no cigar – yet !

  26. Thanks, tnharry, for correcting that for me.

    Could following the money (which the original lender did not lend) instead of the produce-the-note/chain-of-title attack change the jurisdiction of the Court in foreclosure cases?

  27. Zoe – subject matter jurisdiction is the burden of the plaintiff to demonstrate that the case belongs in that court. Courts can and will question jurisdiction themselves, but the burden is always on the party seeking relief, not on the court.

  28. OK, the “lender” listed on my Note and DOT is Countrywide Bank, FSB. The closing instructions say to wire excess funds to Bank of New York Mellon, who of course is not mentioned in the Note or DOT. Could it be as simple as this: Countrywide Bank had an account with Bank of New York and the funding check was from Countrywide’s account with Bank of New York? Maybe. But why would one bank (Countrywide) use another one (Bank of New York) to fund a loan? That makes no obvious sense to me. Can anyone explain what went on there?

  29. Excellant post. Neil proves another point.
    How can we contact Mary Cochrane ?

  30. How would subject-matter jurisdiction play out in following the money first?

    If subject-matter jurisdiction is questioned, isn’t the burden on the Court to confirm its jurisdiction? Wouldn’t the Court have difficulty in establishing jurisdiction to render judgment if the matter before the court becomes more of an accounting (money flow) issue than a mortgage and note issue?

    These might be ignorant questions, and I am first to admit I’m ignorant when the case before the Court goes beyond basic mortgage and note matters.

  31. […] Source: Livinglies’s Weblog […]

  32. I am currently looking at such a document. (Remarkably, it was included in the closing file that was retrieved from the closing attorney’s office.) The document is laid out in the following manner:

    At the very top, in small bold type, is the following:

    IndyMac Bank, F.S.B.
    (with local address)

    *******************

    “WIRE INSTRUCTIONS”

    “We will be wiring loan proceeds per the following Wire Instructions. Please confirm this information is correct. If not correct please notify IndyMac Bank immediately to prevent delays in receipt of loan proceeds.”

    *************************

    Borrower Name: XXXXXXXXXXXX

    IndyMac Loan Number: XXXXXXX

    Bank Name: SouthTrust Bank

    ABA Number: XXXXXXXXX

    Account Number: XXXXXXXX

    Further Credit: (space left blank)

    Further Credit Account Number: (space left blank)

    Title Order Number: (XXXXX)

    *******************

    Then, all on the same line, and all left blank:

    Wire Instructions Approved By, Phone Number, Date

    *********************

    In a thin gray bar is written:

    “This Information Must be Completed”

    *********************

    At the very bottom, where the identification of forms is usually found, all on same line:

    Wire Instructions
    IndyMac Bank, F.S.B.

    Page 1 of 1

    05/01

    ***********************

    I hope this helps others find such documentation.

    What I would like help with is the following:

    Because I have the following information (I Xed out the actual info, but I have it) I would like to know what to do next. Info that I have from this document includes:

    Name of Borrower
    IndyMac Loan Number
    SouthTrust Bank
    The ABA Number
    The Account Number
    The Title Order Number

    ***********
    Two more questions…

    1. What does “ABA Number” mean?

    2. To whom does the “account number” most-likely belong?

    ***************************

    In the meantime, I will try to get this info on my own–but if anyone out there can lead me in the right direction–it would be much appreciated! Thanks!

  33. “So if you are following the money, then you are going to ask the escrow/closing agent for the closing instructions they received and copies of any wire transfer confirmation or instructions.”

    Is this just a standard letter to them with the request, or should there be some form of letter template because they are going to resist providing this info?

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