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

SERVICE 520-405-1688

JOINT FED/STATE MORTGAGE INVESTIGATION TASK FORCE
NEW YORK ATTORNEY GENERAL ERIC SCHNEIDERMAN, CO-CHAIR
OFFICE OF THE ATTORNEY GENERAL
THE CAPITOL
ALBANY, NY 12224-0341
General Helpline: 1-800-771-7755
TDD/TTY Toll Free Line: 1-800-788-9898
http://www.ag.ny.gov/

Subcommittee on Financial Institutions and Consumer Protection
Chairman, Hon. Senator Sherrod Brown (D-OH)
534 Dirksen Senate Office Building
Washington, D.C. 20510
P: (202) 224-7391
F: (202) 224-5137
Subcommittee on Financial Institutions and Consumer Protection
Hon. Senator Bob Corker (Ranking Member)
534 Dirksen Senate Office Building
Washington, D.C. 20510

Senate Committee on Banking, Housing and Urban Affairs
Chairman, Hon. Senator Tim Johnson (D-SD)
136 Hart Senate Office Building
Washington, DC 20510
p. (202) 224-5842
f. (202) 228-5765

AND
Hon. Senator Richard Shelby, (R-Al) Ranking Member,
304 Russell Senate Office Building
Washington, DC 20510
p: (202) 224-5744

The Permanent Subcommittee on Investigations
Hon. Senator Carl Levin, Chairman
340 Dirksen Senate Office Building
Washington, DC, 20510
(202) 224-2627

House Financial Services Committee
Chairman Spencer Bachus (R-Ala.)
2129 Rayburn House Office Building
Washington, DC 20515
T (202) 225-7502 Press (202) 226-0471
http://financialservices.house.gov/

House Financial Services Committee
Hon. Barney Frank (D-NY.), Ranking Member
B301C Rayburn House Office Building
Washington, DC 20515
(202) 225-4247
http://democrats.financialservices.house.gov/

Subcommittee on Financial Institutions and Consumer Credit
Congresswoman Carolyn Maloney Ranking Member (D. NY)
House Financial Services Committee
Democratic Staff
B301 C Rayburn House Office Building
Washington, DC 20515
Phone: (202) 225–4247
The Democrat side of this subcommittee is at http://democrats.financialservices.house.gov/singlepages.aspx?NewsID=404

Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244
Fax (855) 237-2392
(855-411-2372)
http://www.consumerfinance.gov

Whistleblowers
The Bureau welcomes tips from sources that know of potential violations of Federal consumer financial law. Whistleblowers and law enforcement tipsters – including current or former employees of potential violators, contractors, vendors, or industry competitors – should contact the CFPB directly at:
whistleblower@consumerfinance.gov
(855) 695-7974
http://www.consumerfinance.gov/the-cfpb-wants-you-to-blow-the-whistle-on-lawbreakers/

Residential Mortgage-Backed Securities (“RMBS”) Working Group
c/o Robert Khuzami, Co-Chair
S.E.C. Director of Enforcement
U.S. Securities and Exchange Commission (SEC):
Center for Complaints and Enforcement Tips
Office of the Whistleblower
SEC, 100 F Street, NE, Mail Stop 5971
Washington, DC 20549
https://denebleo.sec.gov/TCRExternal/index.xhtml

Financial Fraud Enforcement Task Force,
(RMBS Working Group)
c/o Lanny Breuer
Assistant Attorney General for the Criminal Division
U.S. Department of Justice
Criminal Division
950 Pennsylvania Avenue, NW
Washington, DC 20530-0001
(202) 514-2000
e-mail ffetf@usdoj.gov , Criminal.Division@usdoj.gov
http://www.justice.gov/criminal/about/contact.html
http://www.justice.gov/criminal/about/aag.html

Office of the Associate Attorney General
Associate Attorney General Thomas J. Perrelli
950 Pennsylvania Avenue, NW
Washington, DC 20530-0001
(202) 514-9500
http://www.justice.gov/iso/opa/asg/speeches/2011/asg-speech-111115.html
http://www.justice.gov/asg/

To report Mortgage Fraud or Loan Scams to FBI:
Federal Bureau of Investigation
Phone: 1-800-CALLFBI (225-5324)
Online Tips: FBI Tips and Public Leads Form
https://tips.fbi.gov/
http://www.fbi.gov/contactus.htm

 

23 Responses

  1. Yes, I got one…BUT, it waived my rights to legal recourse and put me in an ARM. It was all done under duress, to coin the legal phrase.

    That is why we are in Federal Court. I want my 30 year fixed rate back, as in a 1 1/2 years, I will be subject to whatever they deem “favorable” to them. Back at square one!

    Footnote: I do not want a free house! The judges need to quit saying that. I am assisted by an attorney, not in representation, but helping with filings. Point: the judges who are making decisions based on how they feel or view this situation, need to step out, recuse themselves. The rule of law should be followed and see where it goes. These judges are out of control.

  2. Has anyone here gotten a loan “modification”? Did you sign a new dot? No? Just a new agreement, no new note, no new nuthin’ else?

  3. @jg,

    I didn’t mean that. I meant your way of safekeeping the page posted by Neil. You know, your “right click, select copy, etc…”

    I was just saying that is you just highlight the portion you want to keep before pasting on a blank doc, you don’t end up with the entire page.

    @E. Toile,

    Another one of my limitations… but that was awfully sweet of you to go through the trouble. I have to admit, with the damn computer (that i pretty much use as a typewriter and not much else), I am definitely all thumbs. I’ll keep your post though, to practice when I really have plenty of time and an urge to permanently do away with capitals…

  4. @Martha – I don’t know what the heck is up with attorneys. A friend of mine just had a bankster submit a mtn for stay relief wherein the bankster submitted a copy of a note which it admitted right in the mtn was a copy of a ‘scanned image’. Loan went thru CW. There were two weird stamped endorsements on the back and neither was signed: they don’t have the note. Her attorney will do nothing, did not oppose the motion. He said his attorney says there’s no free home, yada yada.
    In my experience, many attorneys who do bankruptcies are themselves chop-shops, fill in the blanks, next. They aren’t up for controversy. It might even be malpractice to play dead such as his attorney did. Good luck on that one.

  5. @enraged – don’t know what you mean by too much junk. Before secn
    and MERS, lenders generally did just that – recorded the assgt of the coll instrument concurrently, at least dot’s, with the note’s transfer (note not recorded – never has been, not subject to statute of frauds, note doesn’t involve real property per se). The only differences I propose are 1) get rid of the dot and non-judicial foreclosure and 2) mandate the recordation of the assignment of the collateral instrument in a time certain following the event. County recorders’ offices must show all assignments of collateral instruments. What good is a statute of frauds which demands that all transfer be in writing (as it is now) if there is no Notice by way of recordation (which is statutory Notice)?
    Some *, but I’m suspecting not all, states currently require recordation of collateral instruments prior to an attempt at enforcement. Some is not good enough. *I have pointed to a few over the course of time here. I was re-reading Marie McDonnel’s (think that’s her name) amicus in Eaton last night and was reminded of Massachusett’s, for instance.
    Nevada recently implemented AB 284, which I’m not particularly thrilled with, but the point is, states act quickly when they want to.
    Unfortunately, that has worked against us as banksters lobbied for and got some awfully consumer-unfriendly bull over the last decade
    while we were sleeping. Time to take the helm back. The internet has made it possible for us to more readily find out when that lobbying against our interests is going on, like the Fed report linked here the other day, which was nothing but lobbying for a national registry incognito. I still haven’t quite calmed down at the insult of the hustle going on there. And Martha, I can’t even imagine your own frustration with what you describe.

  6. I like to use Ringcentral to send faxes to those Neil listed above and more. $9.99 per month (no contract) can send fax from your computer.

    Very handy as you set up the fax contacts once—-then whenever you need to fax them—just make checkmark and send your document.

    Ringcentral also allows one to ‘schedule’ a fax to be sent a certain date/time.

  7. Wow! That NY AG suit is a game-changer! How can the rest of the state AGs hold their hands over their eyes, ears, and mouths after reading this?

    These facts as they relate to MERS are the very same allegations I’ve made in person to my AG now THREE times, with naught but a “thanks for coming in” in reply.

    I guess a fourth visit is in order. NEVER GIVE UP!

  8. 24 page revised proposed FOURTH amended complaint.
    Can anyone tell me why I cannot find a good lawyer?

    https://docs.google.com/open?id=0B19JlgKm8KKNZTRhZGRhZTctYjk5Yy00Y2NjLTk1NDgtOWNlOWY4YzRhNTZk

  9. MOST PEOPLE DONT AND WON’T MAKE TIME TO FIGURE OUT HOW TO WADE THRU THESE CONTACTS. KEEP IT SIMPLE. THIS IS AN EMAIL I SENT OUT RECENTLY. HOPEFULLY THIS WILL HELP. THE AG IS THE LAWYER FOR YOUR STATE AND THE PROTECTOR OF CONSUMER RIGHTS. WHY DO YOU THINK AG COAKLEY FILED THE LAWSUIT AGAINST MERS? CALL ALSO YOUR REGISTER OF DEEDS, THAT IS WHAT i DID SEPTEMBER 2010 AND MY REGISTER JOHN O’BRIEN HAS DONE EVERYTHING TO SUPPORT US AGAINST ROBO SIGNERS AND FRAUDULENT DOCUMENTS RECORDED IN HIS COUNTY. HE HAS DECLARED HIS REGISTRY A CRIME SCENE.

    This is what the Southern Essex County Registry of Deeds Register John O’Brien said in a letter today to Attorney General Martha Coakley regarding the settlement deal that some Attorney Generals intend on signing. The banks in a sense will be granted immunity from state prosecution for stealing our homes related to fraudulent foreclosures.

    “Let us join together and protect the homeowners!”

    “I emplore you not to agree to any settlement that would give criminal immunity to MERS and its member-banks. A settlement that includes this feature will not help the homeowners of MA and will permanently damage chains-of-title and property rights forever, with no hope of resolving the permanent damage that these institutions have caused to titles across the state.”

    IF YOU WANT THE INJUSTICE TO STOP THEN YOU MUST REMIND OR AT LEAST BE AWARE THAT YOUR ATTORNEY GENERAL HAS A FIDUCIARY DUTY TO PROTECT “YOU” THE CONSUMER. THEY WERE ELECTED TO PROTECT YOUR RIGHTS NOT BARGAIN THEM AWAY. THEIR JOB IS TO PREVENT CRIME AND TO INVESTIGATE IT AND BY NO MEANS TURN A BLIND EYE TO THE FRAUD THAT HAS TAKEN PLACE RELATED TO MILLIONS OF FRADULENT FORECLOSURES.

    http://www.nakedcapitalism.com/2012/01/call-your-attorney-general-today-to-oppose-big-obama-push-to-get-mortgage-settlement-deal-done.html

    http://www.bloomberg.com/news/2012-02-01/deadline-for-states-to-accept-foreclosure-deal-with-banks-moved-to-feb-6.html

    Here is a list of telephone numbers by state http://www.consumerfraudreporting.org/stateattorneygenerallist.php

    The attorneys general really need your support. It helps them to hear that their constituents appreciate them standing up to the banks and the Obama administration.

    PLEASE call them TODAY. Here is a list of phone numbers.

    Simply tell the person who answers the phone that you are a constituent and that

    “I emplore you not to agree to any settlement that would give criminal immunity to MERS and its member-banks. A settlement that includes this feature will not help the homeowners of fill in your own state and will permanently damage chains-of-title and property rights forever, with no hope of resolving the permanent damage that these institutions have caused to titles across the state.”

    or go to their website and find the “contact us” link to find an email address then you can CUT AND PASTE IF YOUR TIME IS SHORT OR WRITE IN YOUR OWNS WORDS HOW YOU FEEL ABOUT THE INJUSTICE.

    Dawn

    Here is the email for Massachusetts

    ago@state.ma.com

  10. @ Enraged, I’ve got it….if you still have the itch….right click on a blank white spot on the side of this page and click on view source. Navigate your way all the way down thru the source code until you see E. Tolle’s post (this one). Look at how the brackets interact with the b and the I, to cause the following (you’ll see the exact code displayed:

    emboldened

    italics

    Now if you can master source code, defeating your bank will be like a cake walk in a park on a spring day with a paper umbrella drink.

  11. Thanks Neil! Did you see Carolyn won! If it was only me, I would have kept hitting the courts. But as a Mother of four, normal, calm, daily routines are took priority. So, now I will just prove my house was STOLEN.

  12. @Davet,

    Just highlight the portion you want, hit control C, open a blank doc, hit control V and save as pdf. When you do that, the pdf doc allows you to get into each link directly.

    @Jg,

    I read your solution. You end up with too much junk.

  13. @ johngault

    Non-judicial foreclosures are wrought with fabrications, forgeries and out right fraud. I agree they should be completely stopped. Anything that is so important to this culture and economy as ones home, should be harder to acquire and scrutinized carefully. Personally, I think all foreclosures should have to go through the court system and treated as a judicial matter, not a ruse of phony paperwork, but authority must be proven, not just stated.

    @ Enraged

    To me, foreclosures are a symptom of a bigger problem in this country. The system is being turned inside out. Our country is being challenged every day, with legislative demands being made on the people, not the entities doing harm to our entire judicial system, the rule of law and everything we thought, to be true. In my humble opinion, AG’s in every state should be sued, personally, for depriving people of their rights, when making settlements with the banksters. As a matter of fact, I am rethinking my own strategy and pondering the possibility of suing people, not the documents that are presented, as someone had to authorize and mobilize the transactions.

    Thoughts?

  14. Don’t waste your time people. i went to the FBI, and they TOLD ME I HAD BEEN DEFRAUDED. I have the name of the person, who stole our identity, sold my husband a home in secret, using his name as a Straw-man, then forged our names to a different set of deeds of trust, switched the loan numbers, causing us to PAY on a different home.
    DONNA K. DEMELLO.

    So they ARREST her, yet they refuse to HELP US.
    Here I am in court, pro per now almost two years, and I can state exactly how we were defrauded, paid on loans that belonged to another home, lost the home she illegally made loans on (as technically it WAS OURS, though we did not know it) and the home we live in, is not even ours legally, as it was conveyed to another party before us!

    A major crime I broke open, and it does not matter.
    Don’t waste your breath, your time, your money.
    Just move the hell out!
    You do not want to find the Truth.

  15. Non-judicial foreclosure was a privilege granted to lenders through the use of the deed of trust in place of a ‘mortgage’ requiring judicial foreclosure, both of which processes are being abused. The time has come to get rid of the dot because of the abuses and to make other changes. The UCC regulates notes and those notes aren’t recorded. The privilege of non-judicial foreclosure needs to be 86’d. No collateral instrument should follow a debt instrument (whose transfer is unknown). Every state should compel compliance with the statute of frauds for collateral instruments by making recorded assignments a must IN THE COUNTY WHERE THE PROPERTY IS LOCATED within a time certain following the transfer of the Note, with very stiff penalties for non-compliance (read late). The assignment of the collateral instrument should be concurrent with the transfer of the note. And that one gang can take their national registry and shove it.
    Investors who don’t want their interests known (as if) should find
    other investments.

  16. You can get them – the addresses, at least, to your computer. Right click, hit select all.
    Right click, select copy.
    open doc on your computer
    right click, paste

    There will be more stuff than you want from this page. Isolate the addresses and delete the rest. Then, space the addresses and print. Cut. Paste on envelope. Done. That’s all I know how to do, anyway.

  17. @usedkarguy,

    The article you posted makes reference to the AGs having successfully investigated and regulated the tobacco industry. It is a good thing.

    Yet, congress earmarks and votes into budget, year after year, extensive subsidies for the tobacco growers. To me, it is tantamount to throwing money up in the air with the right hand and catching some of it with the left. As far as I know, other than for cigarettes and other such products (no judgment there. Smoking is no worse in my views than overeating or any other bad habit), tobacco has no redeeming quality nor use. In fact, I expect that the damages it causes far exceed the settlements obtained by the AGs.

    How does that make any sense?

    Likewise, how will that make sense to amnesty banks at the federal level and expect AGs to do the work of reregulating them and policing them at the state level? I am concerned that, since federal laws preempt state laws, it opens the door for even more chaos and fewer results.

    Am I missing something?

  18. State attorneys general acting as bank regulators under Dodd-Frank
    Posted on February 2, 2012 by Alexandra Villarreal (Credit Newsline)
    An unexpected trend has emerged following the passage of the Dodd-Frank Act: state attorneys general are taking on a new role as bank regulators.
    The Dodd-Frank Act of 2010 authorizes state attorneys general to enforce rules issued by the Consumer Financial Protection Bureau. Last April, the National Association of Attorneys General announced a Joint Statement of Principles with the CFPB, a partnership that seeks to ensure consumer protection, according to AmericanBanker.com.

    The Obama administration’s fraud task force also carves out an essential role for the state AGs as investigators and regulators in the finance industry. Many AGs throughout the nation have come to demand good behavior from financial institutions.

    Iowa Attorney General Tom Miller is leading a “robo-signing” investigation, a multistate initiative aimed at correcting errors in the foreclosure process and redefining mortgage practices. The initiative also seeks $25 billion in relief funds for jeopardized homeowners. Many AGs from large states, however, are unwilling to sign on to the initiative.

    Settlement agreements and investigations are just a few methods employed by the AGs to ensure compliance and to establish expectations.

    State attorneys general have played a crucial role in investigations and regulation of the tobacco industry, securing multi-billion dollar settlements for constituents and their families, AmericanBanker.com reports.

    With the involvement of AGs, however, banks will eventually have to come to terms with the added enforcement and comply with not only federal statutes but further demands made by state attorneys general.

  19. I am so gonna hammer on this list Niel =thanks= any B of A whistleblowers ??. Remember they will throw you off the sinking ship first – may as well cash in on it , they have brainwashed you into thinking you’re part of the “team” . Don’t believe there LIES !

  20. Awesome list. I can’t wait to get going…. again. Watch out Wells, I’m gearing up for another round. BTW, any Wells employees interested in becoming whistle blowers?

  21. Good information…thank you…

  22. suggestion—–put these on vcards so everyone can download.

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