Mary Cochrane on Fighting Back

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Dear Scott, and all ‘Consumers’ stop being bullied!

Open up the windows and scream outside at the top of your lungs! Just like in the move was it in BROOKLYN? ‘I AM NOT GOING TO TAKE THIS ANYMORE”?

Consumers are in danger of losing their property to unlawful seizure due to misapplication of payments, withholding applications of payments, forced late payments, and you are in control of your right to be safe in life and property thanks to LivingLies community.

Dispute SERVICERS applications of payments of P&I and …

Consumers will find an excellent example of a Qualified Written Request Real Estate Settlement Procedures Act request, provided by a lawyer on Squib.

Secure updated financial records of all payments, principal and interest, and copies of busines statements for many consumers have found out the hard way that payments were witheld from consumer, and credit lines used by third parties taking possession of consumer property in larcenous manner and if each consumer does not report the facts of harm and injury as formal Petitions to Redress Grievances seeking CONGRESS to use evidence against the perpetrators there never will be an accounting nor justice of the harms to the economy and consumers respectively.

http://www.scribd.com/doc/51684669/Qualified-Written-Request-RESPA-Filed-by-Attorney-Barry-Fagan

The more details the more effective response. No response within the alloted time requires you to claim the wrongs and submit a QWR Request, and following procedures and receipts to confirm document sent will insure you can bring claim to a federal court as Plaintiff if necessary to right the wrong.

Under RESPA the LENDER must respond within 21 days and provide a resolution within 60 days.

Non-response is an act of a bully who has no respect for the law and does not respond if you don’t submit in the manner expected. If not submitted in the manner expected the SERVICER will not respond. The SERVICER responds to attorneys so if your attorney claims they did not respond investigate and look at the documents they sent and how and find out if the attorney had your best interest or theirs in mind when tolerating the non-compliance. SERVICER as lawfully threatended will comply because they must with legal process and procedures.

Can you do this pro se or pro pe? Yes if you read and make sure you follow the rules so in Court the other side can’t lie and claim that you did not suffer prejudice as a ‘defendant’ making an excuse for their conduct such as ‘the request was not specific.’

Failure to produce documents considered sufficient prejudice.

Delay alone not sufficient to claim harms from prejudice of actions by plaintiff impaired defendant’s ability to go to trial or threaten to interfere with the rightful decision of the case. This information taken from a case discussing such facts.

Expert testimony suggesting ‘Plaintiff’ may have altered or manufactured relevant documents and that some documents may be missing.

If you don’t figure out what documents are missing how are you going to claim the harm?

Defendant adamantly requesting evidence weights against Plaintiff. Don’t request evidence nothing to weigh against Defendant. Court, and Judge, independent and don’t look at a document and don’t accept hearsay evidence — oh lookie judge we have China Brown. While you lose and are wondering why the judge ignored you that is part of Civil procedure how the evidence is to be requested and how the evidence is to be certified by expert testimony, and its not a slam dunk, the decision under law remains with the judge (50/50).

I have not provided the citations as presented in the case for that is law and I am not a laywer, and I do not know law even if I think I do I don’t. I’m just sharing facts regarding COMMERCE, US Constitution, Business Law, Civil Procedues, and who has Jurisdiction for civil or criminal acts based upon law both state and federal and governing regulations of federal administrative agencies. Consumers lose in court over and over because they choose to ignore the transactions and facts of law that will protect those transactions over the thing that they can claim when a defendant who owes a debt, and can claim as a Plaintiff (person) with causes of action (COMPLAINTS) that the Court can rule over and provide a remedy.

I did not make the rules. The rules are made by CONGRESS. So don’t be disappointed in me or my writings except for grammar mistakes and misspellings.

Remember consumers who send QWR’s to SERVICER expecting a response in accordance with law won’t get one. SERVICER not required its the LENDER who is required. The SERVICER paid to collect money as receivables and is not required to respond on behalf of the LENDER unless you are specific in accordance with law.

I did not receive responses QWR in early 2009 which included evidence of fraud. Why? Because the SERVICER and this is a quote ‘DOES NOT DO RESPA”. I learned how an attorney will secure documents because they know the law and how to write the request. If you have an attorney and they did not get a proper response and did nothing to protect you they are negligent.

Examples at your fingertips via google.com of good QWR RESPA requests. Will yours be good when you retype yours?

Under Section 6 of the Real Estate Settlement Procedures Act (“RESPA”) Qualified Written Request (“QWR”)
Borrower(s) names, legal address, phone, email, signature.

The Seventh Circuit issued an important decision concering RESPA QRW’s Section 6(e) requires SERVICERS to acknowledge receitp of a QWRwithin 20 days and 60 days to cure defects of loan in accordance with section 6 of RESPA 12 U.S.C. § 2605…. to dispute validity of …. information relating to the servicing of a …..

Thank you 7th Cir Rules Against Servicer on QWR Issues which are to provide borrowers with consumer protections relating to servicing of their loans which is what it is all about and got to do with the PSA and everything before the COURTS!

1/16/2011 Please read:

http://updates.kw-llp.com/2011/01/7th-cir-rules-against-servicer-on-qwr.html

Very ineresting ‘Foreclosure Avoidance Techniques’
http://www.buchalter.com/…// foreclosure%20avoidance%20techniques%20richards%20ppt%20(4).pdf

29 pages what to do if borrower claims….

What can you do in a civil complaint pro se meanwhile if the SERVICER does not comply to get satisfaction? I am guessing … without an attorney to ask … and pray one will respond with the proper cause of action in an alias…

Consumer may file a complaint prose cause of action for the harm is against the person you in that the SERVICER’s failure to produce documents as required if the party does not when the court requests are subject to fines in accorance with laws.

Google.com RESPA QWR CA and Oregon
http://vondranlegal.com/respa-qualified-written-request-by-foreclosure-defense-attorney-steve-vondran/

Discusses RESPA Coverage too as RESPA applies to a ‘federall related mortgage’ and what is a federally related mortgage…. what the law states.

All foreclosues and bankruptcies must request and submit QWR RESPA REQUESTS and if your attorney did not they are negligent and may be an REO Broker, Broker, Agent, Dealer, Distributor wholesale or retail and not acting in good faith!

In order to not suffer what will become a lawful seizure because you as a consumer did not exercise your rights of due process part of consumer protections you are to claim.

What governs a response is law and non-response has consequence.

BORROWER submits their personal property (cash) to pay a mortgage loan. Are the payments being applied lawfully? Were the payments applied lawfully?

Primary Mandatory Authority over 7th Circuit Appealate and Persuasive Authority SERVICER is required to conduct an investigation of the borrower’s concerns, and are required to provide an explanation or clarification of the reasons the servicer believes the account is correct within the time frames specified.

Law states this requirement both to protect consumers and to not waste valuable time of courts.

RESPA Qualified Written Request (“QWR”)

What evidence will be of value to you in court will depend upon claims of Plaintiff to Court in the case of a foreclosure.

What evidence will be of value to you in bankruptcy court will come from documents you requested and will continue to request and dispute facts in accordance with laws.

SERVICER IN AGREEMENT WITH ORIGINATOR
SERVICER in agreement with LENDER. SERVICER in agreement with INVESTOR. SERVICER in agreement with Sub-Servicers.
SERVICER in agreement with Master Servicer.
SERVICER in agreement with …

Origiantor and Servicer the ‘Agency’ or agreement between governs what must occur before the origination documents are submitted and complete and the SERVICER will submit the ‘mortgage’ to be recorded (not the Settlement Agent) who are required to submit the ‘mortgage’ as part of ‘post closing’ to third party of Servicer (could that be LPS? DOCX?…)

Documents from LPS, DOCX, settlement agent and/or broker responsible for the ‘funding’ of the mortgage loan includes evidence related to your personal property taken out of the refiance funding and you have every right to a full accounting, mini-ledgers from the settlement agents, etc.

Dates the ‘servicer’ took over servicing from the origiantor the servicer charged the originator a fee. Dates the servicer turned over account for collections to robo-law firm in your state they charged a fee.

You have every right as they connected by the THING ‘mortgage loan’ to secure copies of documents.

Including LENDER’;s Underwriter, Appraiser, Settlement Agent, Broker, Dealer, Agent, Distributor wholesale and retail. Why do I continue to repeat over and over. The human brain takes in pieces of info and we need to hear over and over until we absorb and process the information or we skip over what we don’t process and we don’t understand.

In order for LENDER in good faith and with fiduciary duty to approve the loan or credit increase (refinance) was based upon the borrower and believe it or not the credit line of the third party person for the funding check / wire transfer was issued to a person and drawn upon an unrelated third party entities account.

LENDER/CREDITOR want to generate deposits – they don’t care about how just get me deposits. Their employees and affiliates are paid well to get them deposits.

ORIGINATIONS pipeline and conduits did insure deposits by using credit lines of third parties and hence money laundering convering assets into currency into deposits and deposits into other assets owned by the bank.

All monies taken in as fees of servicing become deposits converted into other assets in the name of the owners of the bank.

How did they keep operating expenses covered? You buying common stock. For example, when Attorney General Brown (who was my hero in office) took on Wells Fargo and got a no-fault settlemetn for $1.5 Billion dollars guess how Wells Fargo covered it the no fault? Sold more common stock. What was the case? 2009/2010 investors was lied to by Wells Fargo employees regarding the available of the higher yielding products. Attorney General Brown was attacked thereafter by the ‘machine’ who you are not to cross but he had a great no fault ruling that every AG should have run with to protect all of the ‘investors’ harmed in every state, the case filed in the public domain. What evidence did they have? to ensure a quick resolution? Perhaps it was not evidence rather the presence of the government able to view documents with TARP funds in the pipeline.

Anyway, to get deposits into Wells Fargo Asset Securities or Structured Asset Securities Corp, for example, the third party credit line check is deposited into the SELLER and/or Originators Corporate Securities Treasury in order that the owners of the bank could transfer curreny into other assets.

Banks are allowed to take a chunk of deposits put into OWNER’s NAME in the form of another ASSET of the BANK.

For example, a Note, will be purchased with the funds deposited (365 days or less) as an asset of the bank as owner and become whatever once converted into OWNER NAME c/o Cede & Co nominee DTC which has absolutely nothing to do with you the consumer as borrower and MERS totally separate issue.

Get copies of documents SERVICER’s TRUSTEE claims, and read the documents, and secure evidence that the certificate holders are being paid, and that the loans are not in default so when the Plaintiff submits evidence to court (falsified) you at the right time will object and move the court to rule over the chain of title (A, B, C, D) not (B, A, x, x)

Deposits feed a bank and reason owners invest in banks. Not speaking of common stock holders. Speaking of owners like Wells Fargo & CO/MN formerly Norwest Corp, Lehman Brothers Holdings Inc., …. Who are the owners of your bank? SECINFO.COM 10K’s will reveal first through current history. Who are the Parents in Federal Reserve System ffiec.gov will reveal. Who is the entity responsible for the foreclosure or bankruptcy as LENDER a National Association as defined in the mortgage security instrument.

Think about this. How could the banks be bankrupt if they did not launder money out of the nation? Where did all the money go? What’s the President gonna go about it? What can he do about it?

US Government deposits of social security, disability, medicaid, medicare, paychecks, ‘chunks’ converted into assets of owners of banks.

Our unemplyment checks, payments of escrow, chunks become put into owners of bank name.

Lehman Brothers FSB bank as a federal savings bank had to convert 65% into real estate assets so we know how they went broke or did they? Where are the asset in the name of the bank? that Wells Fargo Bank NA moved to the left for them as ‘Master Servicer’?

An understand under Bank Secrecy act portions may be viewed over web via google or minutes.

Banks are to be held to a higher fiduciary authority and as are attorney’s, as are US TREASURY and CONGRESS. How did CONGRESS who is the only body who may create laws, and the only body who may prevent enforcement of laws when COMMERCE involved until questioned in court when Complaint heard by Judiciary of Executive Branch (Attorney Generals).

Who did allow the banks to convert deposits into assets of the owner of the bank allowing the economy to be harmed?

Meanwhile what to do about it?

Paper assets such as Notes (365 Days or Less) are short term investments and easiest way to convert deposits into other form in owners name c/o Cede & Co (foreign organization outside USA) with Depository Trust Co (DTC) as nominee.

Paper assets such as spreadsheet fully redacted presented in court by Plaintiff (TRUSTEE) as a ‘Certificate’ is not a real Certificate for real certificates are not issued to consumers so wake up! How could a judge take a redacted spreadsheet as evidence and waste the court’s time resulting in an appeal? Because the Plaintiff filed falsified documents. Why is that Plaintiff not being prosecuted for this happened forcing sale of property in favor of Plaintiff that eventually another court overruled. Did consumer get property back? Will you face in a contested foreclosure the Plaintiff filing a protective order to submit falsified documents? YES! How will you know if they are falsified or not?

Why are the US Attorney Generals quiet? Collecting Evidence I Pray.

What will the State Attorney Generals be able to do about national associations as LENDER using (credit lines of a third party) to issue a check to its affiliate settlement agent, broker, warehouse lender, distributor wholesale and/or retail?

What will the Attorney General’s with jurisidiction over unlawful business acts as vested by Congress do about money laundering and ponzi schemes? Seeking evidence. Who has evidence everyone but the banks! You have evidence in your broker – settlement agents folders. Lenders Processing Services division and DOCX subsidary of First National Financial have evidence of checks both payables and receivables. MERS has evidence of electronic transactions tracking the payables and receivables. So what to do?

Secure evidence of the funding from (unrelated third party) Agency for the substantive omissions of material facts will reveal intent of LENDER to withhold accurate business statements to and allow third aprty to take possesion of property in larcenous manner.

Remember that you have no accurate business documents or statements and you need as a responsible consumer to request them annually to insure your currency is applied to your accounts correctly!

How can you request documents related to agreements you don’t have. Recognize that the Sales Agreement has affixed to it the (10 digit loan number) that the SERVICER used to collect payments as receivables from you monthly.

The 18 digit MERS SERVICER ID not provided on all mortgage loans.

The missing digit on the ‘loans’ are the first 7 digits – the MERS ORG ID. Puruse the MERS ORG ID’s. The MEMBER’s Agency will be registered in fictitious names, abbreviations, also known as, ….

Did you know Wells Fargo Home Mortgage is a division and all of the ‘subsidiares’ I’ve reported under other posts do business as ‘Wells Fargo Funding Inc. Correspondent eLending, Sixth & Marquette, Minneapolis MN 55479, MERS ORG ID: 1010064, Lines of Business: INVESTOR, eRegistry and eDeliver participants YES!

GUESS WHAT AURORA LOAN SERVICERS LLC is NOT! or is? put in the url and search on the
MEMBER ORG ID: 1000254

GUESS WHAT?
America’s Servicing Company is or is not?
You need to know in the state of Minneapolis with the Secretary of State, the entity is an Assumed Name also known as a fictitious name and is now inactive having expired 1/6/2010. The entity’s Filing Number: 231271, Original Date of Filing 1/6/2000
1 Home Campus, MAC X2406-011, Des Moines IA 50328-0001. Wells Fargo Home Mortgage born in CA in 2000 was merged out of existence in SD in May 2004.

Norwest Home Mortgage was a Domestic Corp 9/27/1985 in Minneapolis dba Norwest Funding II INc. 33 S 6th Str Minneapolis MN 55402. Whose Wells Fargo Funding Inc? Wells Fargo Home Mortgage is a division of Wells Fargo Bank NA.

Registered as a MERS MEMBER ORG ID first 7 digits 1005298, same address as America’s Servicing Co, and same phone 651-605-3711 for mers@wellsfargo.com, Servicer, Subservicer, Investor, Document Custodian, eReg and eDel ‘YES’

Wells Fargo Home Mortgage, Inc. Foreign Corp (born in CA in 2000) was renamed in Minneapolis from? Does not say so we’d have to request documents from Secretary of Treasurer of MN Filing Number 61788.

We know WFHM merged out of existence into Wells Fargo Bank, National Association which does busienss in all 50 states and US Territories as a national association not a registered entity.

Why was Wells Fargo Home Mortgage doing business 380 Jackson Str #418, St Paul MN 55101?

What accurate busienss statements were withheld from you during Origiantion? You don’t know because you don’t know what is processed during Origiantion. What accurate business statements are withheld from you during SERVICING? All that are between Agency you are not part of but are connected to ‘thing IN REM mortgage loan, mortgage, note, note holder, riders, adjustable rate riders, endorsements, amendments, credit line increases, title policies, appraisals, underwriter approve of LENDER, thrid party credit lines uwed to fund loans, … funds which are your personal property as cash used to pay the originator, commitment fees to the third party warehouse lenders, broker fees, REO LENDERS, etc., all withheld from you as undisclosed charges on a generic form HUD and TILA which was suppose to protect consumers not enable fraud. But what did those forms do? Provide a means whereby LENDER, Broker, Servicer, was purportedly in compliance and purportedly withholding substantive omissions of material facts became in collusion and collaborators under the disguise of falsified statements, misrepresentations, …….lies.

R.K.Arnold’s lie before CONGRESS, John Stumpf, Jamie Diamond … ‘We don’t record retail transactions which would not make sense.’
Liar… Liar pants on fire. All payable and receivable transactions of MERS Members get deals and are recorded. I beleived the ‘retail did not get recorded’ for the mortgage was recorded and the mortgage loan origination value is the asset recorded at full value on the books of the Note Holder who is the LENDER.

Corporate Securities Treasury, aka Structured Asset Securities Corp or Wells Fargo Asset Securities Corp, of the SELLER, as Originators, deposits for ‘mortgage loans’ business statements are withheld from borrower as consumer.

Origination SELLER of discounted loans gets deposits. LENDER gets possession of the note as ‘Note Holder’ and will try to take property and house through SERVICER.

Many refinances were simply a credit line increase presented as a mortgage.

Electronic transactions of payables and receivables recorded in MERS but transactions processed in back office by DOCX a subsidiary of First National Financial.

The electronic documents were created by LPS division employees working in DOCX generated ‘mortgage’, and ‘Notes’, and ‘Riders’, ‘Endorsements’ and Amendments real and falsified and checks both payables and receivables.

19 Responses

  1. I am in the middle of this nightmare and I chose to fight back. No one told me that if I sell my home as a short sale that I would waive my rights to go after the bank for fraud. I have a lot of facts to prove fraud and now have legal services helping.I am going to fight and I hope that my outcome will be positive. I hope that if there is an attorney out there that is interested in my story that I can join a class action suite or if any one else has information on how to do this please let me know.
    Terry Huertas

  2. […] Mary Cochrane on Fighting Back MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE Dear Scott, and all ‘Consumers’ stop being bullied! Open up the windows and scream outside at the top of your lungs! Just like in the move was it in BROOKLYN? ‘I AM NOT GOING TO TAKE THIS ANYMORE”? Consumers are in danger of […] […]

  3. Dear neidermeyer, on June 14, 2011 at 3:41 am said:
    “Any link to that QWR on scribd where downloading isn’t disabled?”
    Found another one

    http://www.scribd.com/doc/36486205/RESPA-Qualified-Written-Request-QWR-Complaint-Dispute-and-Validation-of-Debt-TILA-Request

    .

  4. In order to understand the smoke and mers one needs learn about SEC is private exclusive membership. Yes, members only who conduct their transactions in business entity names.

    For example: Forms

    8K (Current Report)
    Links to securities registration file commisson number, hot link, will take you to the related S-3 form of the preferred securities or common stock securities.

    Definitions copied are public domain free resources:
    ——————————————————————————————————
    A simplified security registration form from the SEC, open to use by companies that have met prior reporting requirements. The Form S-3 registers securities under the Securities Act of 1933 for companies that are based in the United States only.

    Companies seeking to use the S-3 must have met all reporting requirements listed under sections 12 or 15(d) of the Securities Exchange Act of 1934, which assumes that the company seeking registration already has some form of security filed with the SEC.

    The filing of a Form S-3 may occur in advance of an initial public offering (IPO) of common stock.

    Form S-3 is also known as the “Registration Statement Under the Securities Exchange Act of 1933”. Investopedia explains SEC Form S-3
    Form S-3 is typically filed in conjunction with a common stock or preferred stock offering. Other requirements for the form’s use are that the company has met all dividend and debt requirements in the 12 months prior to the filing date on the form.

    The Securities Exchange Act of 1933, often referred to as the “truth in securities” law, requires that these registration forms, which provide essential facts, are filed to disclose important information upon registration of a company’s securities. This helps the SEC achieve the objectives of this act – requiring investors to receive significant information regarding securities offered, and to prohibit fraud in the sale of the offered securities.

  5. Mary,

    Any link to that QWR on scribd where downloading isn’t disabled?

  6. I met with my Register of Deeds today the guy didn’t have a clue ,had never heard of robosigners Got quite an education. Gave him copies of the illegal foreclosures I found through hiS office he stayed after hours to talk to me and called in his deputy, He said there was a meeting this week with all the Regiister of deeds in the state and would I talk to them if allowed ABOLSUTELY!!!!!

  7. Found this interesting as to where all the money went.

    http://www.zerohedge.com/article/exclusive-feds-600-billion-stealth-bailout-foreign-banks-continues-expense-domestic-economy-

    With the QWR borrow also has to know where to send.

    1. Servicer buys bankrupt lender servicing rights.

    2. Servicer says we have nothing to do with the origination and to contact originator..

    3. Letters to originator come back rejected or unable to forward. Phone number disconnected. But Servicer is well aware of this and has origination records as to SEC bankruptcy purchase contract.

    4. Loan originator is an affiliate to to the parent Corporation. So you’d have to send QWR to the Corporation. I doubt anyone’s home.

    5.Servicer knows but sends copy of DOT and Note. Anything other request is internal and not required under RESPA

    That was my experience and my guess is by the time the average Joe puts the all pieces together. They’re foreclosed.

  8. Dear 3rdborn, I take no offense for what you said absoloutely true! The info has value but what. Thanks to Mr Soliman I focused on what worth merit from an expert.
    Kinds Regards,
    Mary

  9. Dear M.SOLIMAN, on June 13, 2011 at 6:49 am said:
    Thank You. (Yes I was straying and praying for a penned response!)

    Deposits coveted into both Wells Fargo Asset Securities and Structured Asset Securities Corp from unrealated and undisclosed third parties not at the ‘closing table’ and in order to get insured the increase in the assaet portfolio done independently of any individual consumer mortgage loan, the ‘Asset Portfolio’s’ credit line utilized for future origination transactions closing the ‘loan origination’ fundings 12/31/1995 for the coming year deposits.

    The corporations are not bankrupt of assets only liquid assets that the US Executive Branch can’t get their hands on held outside USA.

    The financial holding companie huge problem having not been held to the same capital requirements intentional and Congress 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010 and 2011 are either stupid or complicit.

    Title II final revision under Dodd, / Frank alleging to shift accountability for trust preferred securities (tarp) over to tier 1 capital balances to compensate – is that what you’re alleging – right?

    Owners of the banks are not hurting outside of the US so how can US enforce laws forcing they have to comingle liquidity and now or else?

    Otherwise, how else can they effectively reduce the high balance toxic crap (after already diluting the hell out of trust preferred obligations?

  10. greatly desire to hear from Anonymous, Peter Pan and Abe Lincoln too.

    Look:

    The Banks use a business trust structure to get beyond the law – got it.
    It is intended to confuse the best of business men . Its very difficult material .

    When you come to me to start a company – You ask me for $100,000

    I say “give me a note to secure my investment”
    You say NO. $100,000 cash investment is an ASSET
    and then you say $100,000 in a note to me is a LIABILITY

    THE NET SUM IS $100,000 – $100,000 = O.OO NET WORTH

    So you instead offer me stock…why?

    $100,000 cash – 0.00 = $100,000 Networth
    Stock is equity and does not show on the balance sheet as a liability .

    The stock is called Common Stock .
    But now you got my money and that is a company asset . But I own the company

  11. Why do the postings of M. Cochrane merit a separate announcement? Try as hard as I do, and with a fairly clear understanding of the processes, I cannot follow these posts and the info and value of what they are trying to impart. It is obvious that a great deal of work and research has gone into these, yet it comes across as ramblings and rantings. If they have the value you obviously perceive, perhaps they would be better suited for your lawyer’s seminars and manuals.

    I greatly desire to hear from Anonymous, as what he says warrants a separate announcement post.

    I apologize if my ignorance offends anyone, particularly you, M. Cochrane.

  12. WE THE PEOPLE, by and through our unalienable Right are guaranteed by First and Ninth Amendments to the Constitution of the United States of America, Petition of Greivances and humbly seek you as member of Legislative Branch, federal or state, Executive Branch of the President of the United States honor your constitutional obligations to protect the economy, harmed by negligence of Congress recognized as the third element of our national security, protect me as an individual consumer and part of the welfare of the nation harmed through non-disclosures, private memberships of entities over financial exchanges conducting secret origiantion and servicing transactions subject each individual consumer in their capacity in commerce to act and engage as entity, subsidiary, affiliate, unrelated third party, third party, agent, broker, dealer, distributor, wholesale, intermediary and retail as individuals are subject to enforcement of laws for individual and collective acts which are deceptive taking possession of property, in larcenous manner, converting asset to receivable or payable be subject to civil and criminal investigations by Judiciary Branch of governent with no ‘exclusions’ and full-enforcment of statutory laws, and sanctions be incorporated against the persons as individuals not the ‘entities’ a loophole of lawlessness of the first decade of the 21st Century.

    Individual consumers are not to remain unsafe in life and property through non-disclosures by individuals, are not to be denied due process of laws which are applied against individuals who who withhold accurate business statements, and financial holding companies may not use privlege of national association, federal savings bank, preventing loopholes now thorugh which ‘entities’ both domestic and foreign take property of individual who are to be safe in life and property and not subject to loopholes allowing real estate of nation to be taken possession in larcenous manner one mortgage at a time.

    We seek your prayerful considerations and immediate remedies in accordance with statutory laws and seek enforcement of laws for non-enforcement the loophole which harms economy. Rather full disclosures immediately mandated for all transactions presented in Judiciary Branch be blessed by the light of day include the real legal actual name of all individuals whose title as individual consumer, consumer as title of employee, actual entity name and actual entity address, actual position in transaction payable ior receivable as involved in the conversion of property changing an asset into a receivable or payable and taking US Currency into a receivable or payable.

    We seek return of integrity of the US Treasury and your non-response to this petition, your agreement you have contributed to harm of the economy, third element of the national security fo the United States of America.

    Loophole of non-disclosure and membership of entity conducting business in darkness, forces our right to Petition for Redressof Grievances the egregious harms include substantive omissions.

    We seek immediate disclsoures of all transactions penned in ink before the courts will reveal those who choose to continue to harm to economy, those individuals who choose to place consumers in harms way, those individuals whose takings deny consumers rights to be safe in life and property, reveal those individuals who are subject to unlawful seizure of property taken by deceptive acts, in which property taken possession of in a larcenous manner, not in accordance with statutory laws.

    We seek protections from harms of non-disclosure revealing felonious acts inflicted in every state County Court of Equity, in every County Clerk/Recorder’s office, in every act which defrauds the people of rights in order that we once again are safe in the light of day we seek your direct response and support within (40) forty days of receipt of our humble request.

    WE THE PEOPLE reaffirm the essential principle underlying Federal Republic system of governance, as expressed by the Founders, “whenever the ends of government are perverted, and public liberty manifestly endangered, and all other means of redress are ineffectual, the people may, and of right ought to reform the old, or establish new government, for the doctrine of nonresistance against arbitrary power, and oppression, is absurd, slavish, and destructive of the good and happiness of mankind.” See Declaration of Independence and the New Hampshire Constitution, Article 10.

    WHEREAS, The Constitution of the United States of America delegates to Congress alone the power to create laws, agencies, adjudiciation, jurisprudence, to coin money and regulate the value of foreign exchange conjoined with treaties executed by the President of these United States of America (and implicitly the currency in circulation) now held in the owner name of the bank c/o Cede & Co,a foreign organization outside the control of the goverment, nominee DTC and MERS…

    WHEREAS, the Constitution of the United States of America guarantees to every American citizen and to those lawfully on our soil, the unalienable Rights to be safe in Life, Liberty, Property, Privacy and to Due Process of Law as well as other Rights, enumerated or not, and

    WHEREAS, the Constitution prohibits and restricts the federal Government from infringing upon those Rights, and

    WHEREAS, the People of this nation are entitled, by Right, to a Constitutionally valid form of money and system of national monetary policy as well as the protection of their other Constitutionally protected unalienable Rights, in 1933, Congress passed a law making Federal Reserve Notes “legal tender,” thereby transferring the power to coin and issue our nation’s money from Congress to the Federal Reserve and deceptive acts in the name of non-disclsoure have and continue to harm economy and its consumers as individuals must stop this very day.

    Draft:

  13. Anyway, to get deposits into Wells Fargo Asset Securities or Structured Asset Securities Corp, for example, the third party credit line check is deposited into the SELLER and/or Originators Corporate Securities Treasury in order that the owners of the bank could transfer curreny into other assets.**THIS IS SOMETHING THAT IS IN FACT SIGNIFICANT – WHY? . . .. LET’S KEEP READING….

    Banks are allowed to take a chunk of deposits put into OWNER’s NAME in the form of another ASSET of the BANK. **YOUR STRAYING HERE – NO SUBSTANCE . . .

    For example, a Note, will be purchased with the funds deposited (365 days or less) as an asset of the bank as owner and become whatever once converted into OWNER NAME c/o Cede & Co nominee DTC which has absolutely nothing to do with you the consumer as borrower and MERS totally separate issue.
    YOU’RE GOING FROM SO SO HOT TO ICE COLD……

    Get copies of documents SERVICER’s TRUSTEE claims, and read the documents, and secure evidence that the certificate holders are being paid, and that the loans are not in default so when the Plaintiff submits evidence to court (falsified) you at the right time will object and move the court to rule over the chain of title (A, B, C, D) not (B, A, x, x)

    LENDER HAS NO OBLIGATION TO PAY A TRUST PREFERRED JO IF THEY DO NOT WANT TO …NOTHING THERE NO OBLIGATION TO PAY “TP Certs. DIVIDENDS [ IN CASH] / OR IN CERTAIN EVENTS … DECLARE ! Hell THEY HAVE 40 YRS IN SOME CASES .

    Deposits feed a bank and reason owners invest in banks. Not speaking of common stock holders. Speaking of owners like Wells Fargo & CO/MN formerly Norwest Corp, Lehman Brothers Holdings Inc., …. Who are the owners of your bank? THE COMMON STOCK IS THE ENTITY’S OWNERSHIP ?i AM lOST

    SECINFO.COM 10K’s will reveal first through current history. Who are the Parents in Federal Reserve System ffiec.gov will reveal. Who is the entity responsible for the foreclosure or bankruptcy as LENDER a National Association as defined in the mortgage security instrument.
    YOU’RE ALL OVER THE BOAD- – OFFLINE – SLOW DOWN COWBOY

    Think about this. How could the banks be bankrupt if they did not launder money out of the nation? Where did all the money go? What’s the President gonna go about it? What can he do about it?

    Q – How could the banks be bankrupt if they did not launder money out of the nation? Hard core counselor !Really !

    Don’t sit down and play poker with anyone who says they never played before and allows you to take their money for the first two hours…..you playing poker with savvy businessmen on scale with NBA starting first team all leaguers. . . . -laundering money? NO But — They are following Fastows business plan, replicating the barge off teh coast of Africa deal that sent four merryl execs to prison and wrote their own script under the Phily newspaper
    Ch 11 Judges Jury and Ex-concessioner . So “laundering ” is that what you see here? Perhaps , or there is more than meets the eye.

    COMMENTS – as for subject matter holding companies; Yes Huge problem – having not been held to the same capital requirements. At least as stringent as those applicable to banks. And from what you’re telling me – they are one in the same correct? So now the title ii final revision under Dodd, / frankis is alleging to shift accountability for trust preferred securities (tarp) over to tier 1 capital balances to compensate – is that what you’re alleging – right? It’s one in the same as tier i right? If banks are hurting then they have to comingle liquidity and now. Or, how else can they effectively reduce the high balance toxic crap (after already diluting the hell out of trust preferred obligations. M.Soliman

  14. What may be needed is a class action suit that is performed by good honest knowledgeable attorneys with regard to the mortgage heist of the century who will work for the people at no charge. Most homeowners who have valid claims simply will not be able to decipher or do what is called for to be done in order to set the legal system back on its feet and particularly to win their own individual case. It simply cannot be done.

    I just read about a class action suit wherein the Attorneys made 90 million and the insured got 34.51 for a valid claim. How sad can that be.

    The attorneys have made out like bandits and that was in the plan back in the late 1990’s when they did not take a stand against what their clients (the banks) were doing to the consumer.

    I also read on another blog out of 5700 comments that most of those people still feel that the homeowner not paying and defending himself with valid claims against the lenders, are nothing more than dead beats who need to be evicted and/or some even said put in prison. The other 90% are ready to give up the rule of law if it means this mortgage demise will simply go away. Instead of standing behind the homeowner and the injustice that was done to that homeowner, they are giving the banks a stamp of approval to do and to continue to do what they have done to bring this economy down.

    It appears that most of the homeowners have been dumbed down when it comes to fighting the real fight for justice or are living under some dillusion. They will have to wake up one day and then of course it will be too late. I commend those that are hanging in their fighting for their rights as their can be no other path worth taking than the one that will result in justice for us all. A little something the Congress, the Attorney Generals and the Administration have overlooked – Everyone sitting in a regulatory position should be fired for their lack of care and what they should hve done to protect the people’s rights. But when the citizens themselves won’t do it, then we cannot know what the final outcome will be.

    Lawsuits are being filed for misapplication of loan payments and we have been auditing loan payment histories for years. Some of the servicers will make corrections to those payment histories. In mediation, once the lender is faced with an audited payment history, they have been known to correct the entries which can result in a loan modification.. As you have stated however, it does serve the purpose of how so many consumers ended up in foreclose.

    Remember, intentional negligent loan servicing technique. 30% I believe of the homes foreclosed clearly were the result of the servicers’ actions with respect to simple and basic servicing of the new loan and setting up the first payment.

  15. Banks are to be held to a higher fiduciary authority

    Authority –
    Not true ! Have you read the last three years financials . Have you?
    And your woefully incorrect -as to any duty to the consumer .

    No way !

  16. Thanks Mr. Soliman.

    Good ideas lost in a rant uggh!

    Consumers need evidence withheld with intent to take property by deception. The Attorney Generals need evidence to submit to their bosses to force Executive Branch to look and see what has been done. Evidence sits in every borrower’s settlement agent folder who received funding from unrelated third party during Origination. Consumers ‘don’t’ get what’s Origination.

    Every qualified written request for ‘evidence’ documented may be submitted to court ‘servicer’ ‘lender/Investor’ are withholding accurate information in violations of…..

    Reveal transactions during origination by the title corporations of the financial holding companies who approved increasing the ‘Asset Portfolio’ and ‘Receivables Portfolio’ prior to borrower’s ‘mortgage loan’ insuring the ‘deposits’ (procurement of cash’ from unrelated third parties …meanwhile not following laws both federal and state harmed the economy.

    IN GOD WE TRUST WILL REMAIN ON CURRENCY OF THE PEOPLE.

    We the PEOPLE OF THE UNITED STATES OF AMERICA CHOOSE NOT TO BE THE WEAKEST LINK DUE TO THE NEGLIGENCE OF CONGRESS 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011…

    Residents of the state in which you reside, and use to reside, are taxed are who are to be safe in life and property, access due process of law and will not to be safe from unlawful seizure of property and hereby fight the good fight and submit Petition to Redress Grievances Seeking Injunctive Relief

    The 26th Amendment (granting the right to vote for 18 year-olds) took only 3 months & 8 days to be ratified! Why? Simple! The people demanded it. That was in 1971…before computers, before e-mail, before cell phones, etc.

    – 27 Amendments to the Constitution, seven (7) took one year or less to become the law of the land…all because of public pressure.

    I’m asking each reader to forward their own Petition to Redress Grievances, Seek your family, neighbors, friends, unemployment buddies or coworkers, members of your congregation, temple, mosque, each submit their own individual petition and copy each petition sent publically recording your Authority has been served!

    Attaching your comments to this discussion we the people can submit our own request for the new benefit plan of Congress federal and state:

    (DRAFT) Updates will be incorporated

    Congressional Reform Act of 2011

    Disclosure preferred shares of stock in the United States redeemable upon retirement:

    1. No Tenure / No Pension. for Legislature both houses federal and state
    A Congressman collects a salary while in office and receives no pay when they are out of office.

    2. Congress (past, present & future) participates in Social Security.
    All funds in the Congressional retirement fund move to the Social Security system immediately. All future funds flow into the Social Security system, and Congress participates with the American people. It may not be used for any other purpose.

    3. Congress can purchase their own retirement plan, just as all Americans do.

    4. Congress will no longer vote themselves a pay raise. Congressional pay will rise by the lower of CPI or 3%.

    5. Congress loses their current health care system and participates in the same health care system as the American people.

    6. Congress must equally abide by all laws they impose on the American people.

    7. All contracts with past and present Congressmen are void effective 1/1/12.
    The American people did not make this contract with Congressmen. Congressmen made all these contracts for themselves. Serving in Congress is an honor, not a career. The Founding Fathers envisioned citizen legislators, so ours should serve their term(s), then go home and back to work.
    If each person contacts a minimum of twenty people then it will only take three days for most people (in the U.S. ) to receive the message. Maybe it is time.

    THIS IS HOW YOU FIX CONGRESS!!!!!

  17. GOOD REPORTING

    QWR only good if servicing transfers are alleged not disclosed . Also to Verify accurate application of credit to accounts. And to disclose any escrows (huge).

    A modifcation is a sham if the lender is asked the following simple question _Do you intend to open an escrow account and accrue modifed payments ; then credit whole payment due payable in arrears .

    Sham . . .but once again – above board!

    M.Soliman
    expert.witness@live.com

  18. QWR only good if the loan is current or not in default

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

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