Where is the Loan Receivable? Invitation to Investors Who Bought Mortgage Bonds

INVESTORS READ CAREFULLY

IF YOU BOUGHT MORTGAGE BONDS DURING THE MELTDOWN

As for the Borrower, we have the obligation, then the note supposedly evidence of the obligation, and then the mortgage which pledges the home as collateral for faithful performance as per the terms of the note.

As for the investor/lenders we also have a mortgage bond, supposedly backed by loans, in which repayment terms are vastly different from the note signed by the borrower.

This problem could have been alleviated if the investment bankers had simply placed the name of the REMIC on the note and mortgage but they had other ideas about trading with and on claims of ownership of the note, hence MERS and other intermediaries were introduced so that ownership would be obscured, thus creating unenforceable notes and mortgages as several investor suits have stated.

In accounting terms if a bank or other entity or institution provides a loan to someone, it would adjust its books and records to reflect (a) a loan receivable and (b) a reserve for bad debt against that loan receivable. The loan receivable goes into assets, and the reserve for bad debt goes on the liability side of the balance sheet.

After 6 years of this craziness I have come to the opinion that it is virtually certain that no entity, person or institution EVER had a loan receivable on their books with respect to most loans (96%) that were all subjected to false claims of securitization and assignments. What does that mean for the loan?

Assuming that the failure of any institution to properly record the loan was intentional, which it was, it undermines any claim on the documents or instruments in the fake chain of securitization and assignments. The most I have ever seen is a category in the asset section of the balance sheet called “Held for sale” which basically encompassed 96% on average of all loans on the books of originators, even if they were banks.

So what is the difference and how can this be used? What does it show? Is this something the Judge can understand? Yes, if you understand it and explain it correctly.

  1. The borrower signed a note to which the lender was not a party.
  2. The lender accepted a bond to which the borrower was not a party.
  3. The note only suggests one obligor — the borrower and provides for use of proceeds of payments on that note.
  4. The note only provides for one creditor — the payee on the note payable to the party the borrower THOUGHT was the lender, but wasn’t.
  5. The note and riders provide for the method and manner of repayment.
  6. The bond suggests multiple obligors and the record shows that the subservicer, master servicer, insurers, credit default swap counterparties, and diversion of payments from one tranche to another and one loan to another all cover the repayment of the interest and principal on the bond.
  7. The bond has a different interest rate than the note.
  8. The bond provides for cross collateralization and overcollateralization which is a fancy way of commingling multiple payments received from multiple parties and allocated them in a manner that appears to be exclusively determined by the Master Servicer.
  9. The bond provides for continued payment by the subservicer of the monthly payment whether or not the original borrower makes a payment.
  10. The note does not contain or even refer tot hose terms. In fact the note contradicts the bond in that the proceeds of payment made or allocated to the subject loan must be utilized in specific ways expressed in the note — ways that are far different than the ways the money is to be used when it comes to paying some lenders and not others.
  11. The lender advances funds, part of which are used to fund the loan but the lender’s interests are not protected by the closing documents that the borrower signs.
  12. The borrower signs the documents without receiving disclosure required by Federal and state laws as to the identity of the lender and terms of compensation, repayment etc.
  13. In short, the note doesn’t match the bond. If the glove doesn’t fit, you must acquit, like it or not.
  14. Neither the note nor the bond match the common law obligation between the borrower and the lender(s).
  15. Thus three sets of repayment schedules are presented — those in the note, those in the bond, and the common law demand repayment.
  16. If the note was payable to the lender, it could be secured by a mortgage. Since it was not made payable to the lender, the mortgage recorded is subject to cancellation of instrument.
  17. The bond is not secured obviously because the lender was not party to the documents signed by the borrower.
  18. The common law obligation appears to be the only valid obligation or debt that could be collected by providing the loan to borrower. The presumption would be that it is a demand loan but obviously unsecured by a mortgage signed by the borrower.

Thus when all is said and done and reality is introduced to most of these foreclosures, judicial, non-judicial or in bankruptcy courts or otherwise, you are left with an undocumented demand loan that is unsecured and which can be discharged in bankruptcy.

But most homeowners would be more than happy to negotiate in good faith just as the hundreds of thousands of people who applied for loan modifications believing the servicer was actually authorized when it wasn’t.

If you sweep away all the debris, the investors/lenders are NOT at risk for being fraudulent lenders but are the victims of securities fraud. And the borrowers are victims of deceptive lending practices, fraud and a host of other causes of action against virtually everyone except the actual lender. All of this is true only if you accept the premises described above which I consider to be unavoidable.

Thus the obvious answer is for a clearinghouse arrangement to be established by which the borrowers could communicate with investor lenders, unless the investors simply want to stick with their claims against the investment bank for selling them trash described as bonds.

I submit that the borrowers would enter into a true, non-defective mortgage directly with the investors to mitigate the investors loss and that the amount borrowers are willing to offer as the loan balance exceeds the value of the property and far exceeds the value of the proceeds on foreclosure.

I offer the services of my various technology platforms to be the intermediary through which the investors’ claims are collated into distinct groups which may or may not match up with the REMICs that were described in the prospectus because those REMICs were never funded.

Having done that we can provide investors with proof of how their money was misused and at the same time mitigate their losses.

This platform would match borrowers to groups of investors who would set forth the guidelines for accepting modification, given the current market conditions and the fact that the obligation is not secured.

Several managed funds have expressed some interest in this idea. I need to hear from more of you. If any managed fund or other investor in mortgage bonds would like to discuss this further, please call our customer service number 520-405-1688 and you will either receive an immediate call back or a  telephone appointment for a teleconference will be set up for you and/or your colleagues. We are looking for groups of fund managers because I don’t want to have 300 conversations when I could have just 5-6.

97 Responses

  1. What really may be needed to end this entire evil scam is a Bible, a cross & some holy water….

  2. GOOD NIGHT GRACIE…

  3. The comment at 11:01 is for Gracie……

  4. You lie to them .. they not Help You! Simple! Pffft!

  5. The honest lawyers don’t want to get involved in aiding & abetting criminal fraud……..Go ask for a pound of someone else’s flesh ……you are an imposter…

  6. GUEST….if you do not know who your enemy is, their battle plans & goal…..you will never win… There is a war raging all over the globe between the forces of good & evil….Hope you are with the forces for good because THE TRUTH IS…this war is about a lot more than fraudclosure…..These dark forces want you to believe they own you….however, they don’t. Unless you know that this evil plan for the souls, hearts & minds of mankind began at the THE ORIGINATION OF EVERYTHING…..YOU ARE TOAST…READ THE ORIGIN OF EVIL FOR A HEADS UP..
    THE ORIGIN OF EVIL….
    http://rense.com/general86/whorules3.htm

  7. Loiuse……if you are really looking for the truth & you need help…..you better educate yourself before you enter the blogosphere….It is a den of vipers….

  8. May all of you Spawns Of Satan, WHO ARE …. masters of nothing at all but a lot of secrets, lies, fraud & deception…..may all of you FRAUDS……..bearers of nothing but bad fruit…..agents of iniquity…. be cast down to the fire pit…by the truth..!

  9. Here is Your Sign …. “Get an Attorney”. If you have not figured it out by now … why so many in the stream lose their cases …. well then, you have no one to blame but yourself! It utterly Amazes me that people not making mortgage payments can not afford an Attorney! Those are the FCs of the Past, Present and Future!

  10. Guest, you are so right. This is not the place to put silly, worthless, and deranged comments. We need all the help we can get with regard to defending our homes. These people should exchange phone numbers, and then they can yell at each other there instead of here.

    Addressing another issue about retaining a lawyer to defend you: there seems to be the idea that everyone can afford a lawyer and that is not so. The second issue is finding a good, experienced lawyer who knows about foreclosure defense and wrongful foreclosure. This is a new field of litigation. Case law is changing constantly, and the body of case law is growing, but we need more, much more. In other words, finding a lawyer is very, very difficult. I have seen and heard many, many horror stories about retaining an attorney.

  11. Neil, PLEASE politely (or otherwise) remove those posting their diatribe and interfering with your dissemination of information to help homeowners. They are constantly interfering with productive dialog needed to defend against wrongful foreclosure. Who wants to scroll through 86 comments of senseless chatter!

    I have been coming to your site for three years. I have a deadline tomorrow, my last chance to save my home. I come to your site to see what you are finding out several times each day, and I appreciate more than I can say the work you have put into trying to help homeowners like me. But trolls or self-important, hateful people have taken over your site. The sensible comments from people who have learned a few things to help and have a heart to help have disappeared, maybe pushed off to some other site. That is a shame.

    Those who are posting incessant bantering need to build a site of their own where they gripe and shout all day.

    Please, Neil, remove them from this site.

  12. THEREFORE THOSE MORTGAGES & NOTES ARE COUNTERFEITS……REITS IS BANK SLANG FOR COUNTERFEITS…

  13. That’s right carrie…! That’s why I am sending out a tare alert to the American people……an S.O.S holy tare alert…… if you will……..WAKE UP AMERICA……the BANKS SOLD YOU A PILE OF SHIT….THEY SET YOU UP TO FAIL……. THE BANKS SOLD YOU 10 year junk bonds disguised as 30 year conventional mortgages….THAT IS INTENT TO DECEIVE & THAT IS CRIMINAL IN THE U.S.A………3FELONIES=LIFE IN PRISON…….

  14. What came first, the chicken or the egg…..? Speak for youself Gracie……….READ ALL ABOUT THE NETWORKS…
    ….UNDERSTANDING RADICAL ISLAMIC FUNDAMENTALISM:
    http://www.discoverthenetworks.org/viewSubCategory.asp?id=752

  15. It was an intresting day to say the least. One talked with Sheriff and Federal Prosecuters Office and had Complaint forwared to the States Prosecuters Office. Intresting Stuff ….. Threats. Amazing how ones Mouth can get one into so much Trouble. You should have paid the 10gs to depo me, its gonna be cheaper than your Bail. If you get one….. Your going to need a Good Criminal Attorney Sweetie!

  16. Duh—that’s not what I wrote—please read more carefully.

  17. Borrowers didnt Buy any Bonds at All …. You missed the Pecker … and someone shot your duck!

  18. ANSWER to @iwantmynvp:

    “…First, borrowers did not buy junk bonds. The bonds are junk because they were derived from JUNK loans.

    That is, loans already charged-off by the GSEs. (there is concrete proof of this). Subprime refinances were not valid mortgages – they were mods of classified default/non-compliant debt, which is why the subprime “bonds” were junk.

    Borrowers are only considered as in default with GSEs, not the servicer and/or “investor,” because the servicer advanced payment to GSE and refinanced the GSE default loan (the JUNK).

    Agree that hedge funds were not duped.

    Anyone who actually read the prospectus to the subprime REMICs would understand that the “loans” being securitized were high risk with highly questionable compliance.

    Hedge funds are considered sophisticated investors – it is not good enough to say you did not read the prospectus. Further, the mezzanine tranches to the subprime trusts were sold FIRST to the hedge funds. These mezzanine tranches provided the credit enhancement to the higher tranches, which the banks retained themselves.

    By the nature of the structure of the REMIC itself, the mezzanine tranches were considered high risk. It is through these tranches that the collection rights are swapped out of the trusts.

    Thus, since the mezzanine tranches required little capital for investment, these tranches provided the hedge funds, and other distressed debt buyers, to make a nice profit by acquiring collection rights, dirt cheap, for a property they counted on eventually acquiring.

    Hedge funds are not stupid, they know a bargain when they see one. ..”

  19. Just call me The Neighborhood Watch …. Takeing a Bite Out of Both Ends of the Crime! Some People dont know when they are being interigated in public … so they keep running their mouth and digging themself in deeper and deeper. You Gotta Love It ….. Greedy turning on Greedy! Keep talking Sweetie …

  20. What in Gods name are you talking about ding dong? …..you are insane! Felony what …..robbery of myself….? We never lied about anything …..the plaintiffs however….ha…there are enough felonies here to put them away for at least a couple lifetimes. You are so full of b.s. …how do you live with yourself…? Oh yeah …I forgot….you are an agent of satan……you are a fascist little….mini me Hitler….one calorie not evil enough….

  21. Lets get back on subject here ….. these issues are not helping your case any. You have lied to and tried to decieve so many people including the court … You have committed a Fraud like Mr Bankster. The Law does not permit you either one to profit from it. Chew on That Awhile! I’m gonna see to it both the Plaintiff and the Defendant are Prosecuted to the Fullest Extent of the Law for their Felonies! Get It?

  22. He’s been feeding her my dough…….? Who do you think I am….Ivanka Trump…?

  23. You better put that shovel down shadowcat…….its got you woozy..

  24. I never said I wasn’t there….PAY ATTENTION…What, have you been smacking yourself in your head with Mr. Shovel…? I thought you seemed damaged…..all..par for the course I guess. That unhealthy lifestyle of yours …..being fed a steady diet of trying to cover up for the massive fraud of your clients with even more heinous lies & deceit to commit more heinous fraud is probably just like being hit in the head with a shovel everyday….. it must be awful…..you should join the good guys……we have better cookies…they are HOMEMADE & really YUMMY…..

  25. He has been feeding her your doe … while your locked up in a bottle. Dont Blame him thou ….. All the BS you feed him … that and the Hoe is Cheaper than the flour it takes to find the ho….

  26. Wonder what his girlfriend is feeding him…..? Probably that unhealthy western diet…! Bad for ya don’t you know…!

  27. Oh… so now you were there? And no Thank You Sweetie …. Your Hoe, Your Alcohal and Your Porn …… You Keep It! I dont like Sloppy Leftovers. I’ve been married for 32years …. to a Shovel!

  28. In fact, you might make a good pair…..he gets ALOT OF GAS…..blurp…pfft….buuuuuuuurp…..sheeze…

  29. Hes yours….LOL..!

  30. I was there and there was no notary there…….LMAO about the girlfriend thing…….you can save that ploy, your wasting your time with that one because…..I’m not the jealous type. You want him…? LOL…!

  31. Hoe … If you got the money … I got the time. Yeah!! You Wish!~You keep your Hoe and I’ll keep my Shovel.. Thank You!

  32. ..RE: BTW……I would love to here what that notary has to say IN A DEPO…because she was not there according to a reputable witness…bring it on……you got the money…I’ve got the time..! Sionara…sucker…

    ************* Is that reputable witness your husbands girlfriend? I mean … if you werent there? I also recall you saying the Escrowee was the Notary … was the escrowee there? Or do you need to ask your husbands girlfriend first?

  33. I am starting to see glimmers of real hope & change……I have been seeing alot of Fire Obama bumper stickers …..imagine that….in his “home town” …..Dontcha just love people who “get it”……?

  34. Maybe you should read prohibited acts by notaries …….. that is axcriminal act…..but…..bring it on….. heresay…….b.s…..tare threats…I’m not buying it …it seems that your inference about a courtdate is re my home…there isn’t one do do brain…..& neither judge is buying the b.s……nice try….back to your cauldron of tare…. BTW……I would love to here what that notary has to say IN A DEPO…because she was not there according to a reputable witness…bring it on……you got the money…I’ve got the time..! Sionara…sucker…

  35. We are clean as a whistle…..you crooks on the other hand, should be hung from the rafters of the courtroom….It would make the perfect social statement …….It would CONVEY something REAL & TRUE. It would send a clear message that you crooks would understand such as…….YOU IMPOSTERS BETTER NOT DARE COME & TRY AND STEAL THINGS THAT DON’T BELONG TO YOU……NOT IN OUR HOUSE….and the entire place would become a historical landmark all at the same time…..Now that would be real justice served ….

  36. Oh Boy! The Judge is going to Love This! Criminal and Traffic Records are Public to …. Strike 1..2..or 3.. I wont tell … we will just leave it a Mystery! Unless she rears her Ugly Head Again … then who knows….

  37. zzzz…. pergery…zzzzz …. Criminal…..zzzzz …. Arrest in Courtroom….zzzz ….. snores’ zzzzz… Liar … hut ummm … zzzz ….. orange or stripes to wear today?….. snorts

  38. Lets not play games anymore Insolvent, you and I both know when the court date is. You can dance around the Subject as much as You want! Your An Idiot! TC is not a party to the transaction. Can your pea brain n handle that … Escrow Agent can also serve as the Notary Idiot!! You committed Perjery and CT has the Ammo …. You can not Change That!

  39. Tick..Tock..Tick…Tock….Tick..Tock..Tick…Tock……….

  40. No shadowcat, they just don’t want to be a party to your crime spree…..We never borrowed any money from them or signed any legal contract with these imposters nor attempted to hide any facts…they on the other hand are IMPOSTERS ….

  41. Could it be the Attorneys wouldnt represent you after checking the title file … finding out your just a Big Pile of Shit just like the Bankster? Sure it is! Tick..Tock..Tick…Tock….Tick..Tock..Tick…Tock….

  42. You Just havnt learned the rules of the game …. If they cant have it … your not going to get it either. You set yourself up with your own lies, tried to take advantage of the situation and sunk your own ship doing it! You both lose for not playing by the rules! Bahaaaaa!…

  43. Tick..Tock..Tick…Tock….Tick..Tock..Tick…Tock….

  44. Shadowcat, you confuse despair with determination…..that is always a fatal flaw. Time for some upside down crucifictions & maybe some beheadings are in order for you crooks…..Figuratively of course, but I do have a right to envision a perfect world.

  45. Tick..Tock..Tick…Tock….

  46. And you sound Like someone desperate to lie her way out of the web of lies she has created for herself. Or was that the Girfriends doing to?

  47. Shadowcat……you sound like Obama on debate night……like a liar…..I have a picture of you in my mind looking like CARRIE …in the movie CARRIE on prom night……scary stuff…..no offense to carie…this comment is solely for shadowcat….

  48. The pay off date shadowcat……you sure are on an unholy tare ……you sound like the devil standing in the middle of a crowded church……sounds like you are ensnared in your own evil web of fraud, lies & deceit……suck it up for heavens sake…. this is painful to watch…

  49. You say they sold us …. I’d like to see proof purchase for your bonds. Your Not Fooling anyone but Yourself!

  50. No, they sold us 10 year bonds disguised as conventional 30 year mortgages. Fraud & Deceptive practices …. then what occurred after that was even more felonious & criminal to say the least. Case dismissed….

  51. Insolvent…. you didnt buy 10yr bonds… how does this affect you? That is an issue between the bankster and the investers. Now … about your situation ….. Are we ready to talk to an Attorney Yet?

  52. Question from @iwantmynvp:

    “…Carie, please explain how I the borrower bought a junk bond? How did they sell me anything and how did I pay? If I did buy a junk bond, as the borrower, please tell me where my quarterly dividend is, and how much cash I provided. Is the GSE defaulted loan paying me the dividend?”

    ANSWER:

    “…First, borrowers did not buy junk bonds. The bonds are junk because they were derived from JUNK loans. That is, loans already charged-off by the GSEs. (there is concrete proof of this). Subprime refinances were not valid mortgages – they were mods of classified default/non-compliant debt, which is why the subprime “bonds” were junk. Borrowers are only considered as in default with GSEs, not the servicer and/or “investor,” because the servicer advanced payment to GSE and refinanced the GSE default loan (the JUNK).

    Agree that hedge funds were not duped. Anyone who actually read the prospectus to the subprime REMICs would understand that the “loans” being securitized were high risk with highly questionable compliance. Hedge funds are considered sophisticated investors – it is not good enough to say you did not read the prospectus. Further, the mezzanine tranches to the subprime trusts were sold FIRST to the hedge funds. These mezzanine tranches provided the credit enhancement to the higher tranches, which the banks retained themselves. By the nature of the structure of the REMIC itself, the mezzanine tranches were considered high risk. It is through these tranches that the collection rights are swapped out of the trusts. Thus, since the mezzanine tranches required little capital for investment, these tranches provided the hedge funds, and other distressed debt buyers, to make a nice profit by acquiring collection rights, dirt cheap, for a property they counted on eventually acquiring.

    Hedge funds are not stupid, they know a bargain when they see one. ..”

  53. Hey……pssssssst…..anyone want to buy a failed ten year bond or an investment in a failed ten year bond…..you know…….those fallen angels the Governments are trying to peddle…..? Guaranteed to fail just like Obama…..what is that you say……? No…..only if I can insure yourself on that risk….? See ya….

  54. It really is fun for them to ride in their one horse open sleigh…..beware the sleigh driven by the pale horse..

  55. Hedge funds & their “managers” are no more than front operations for fraud…….these scammers are buying, selling and trading fraud as proxies for the large institutional investors…..these are stinking rotten to the core tranches that are buying, selling & trading things that do not even exist…and are not worth a hill of beans….hedge fund managers are scammers who work for these big swindlers…..and I mean they are BIG….GINORMOUS…….FALLACIES…..

  56. They are ushering the mark of the beast under many guises……Are people noticing they never have any cash in their pockets……? They want HUMAN ATM MACHINES…….they want us to accept the mark of the beast or they will terrorize us or kill us…. Obama is a very deceptive ATM SALESMAN…..IT’S HIDDEN IN PLAIN SITE, IN OBAMACARE & THE LINK CARD….THE SMART CARD……THE CREDIT/DEBIT CARD……..ANY DEBT THEY WANT YOU TO ACCEPT WILL BE COLLECTED UNDER THE MARK OF THE BEAST CREDIT SYSTEM……THE CREATOR WARNED THE MARK OF THE BEAST WOULD BE USHERED IN UNDER THE GUISES OF PEACE & SECURITY BUT THERE WOULD BE NO PEACE & SECURITY…..THIS EVIL PLAN IS LAID OUT IN THE BOOKS …… THE THUNDER OF JUSTICE & THE HOPE OF THE WICKED BY TED FLYNN….

  57. They were 10 year bonds sold as conventional mortgages….that is why the refi frenzy happened…..that’s how they kept the ponzi scheme going for the benefit of their investors…..and oversold millions of “derivatives”…they pocketed all payments as usury…& never paid back the Original money they borrowed from the treasury…..AKA THE ORIGINATION FRAUD….they used fakery called algorithms as risk models to make the scam appear legit…..nothing they did was legit…..they misrepresented themselves & everything they were doing ……..that is how our enemies, both foreign & domestic set us up to fail..& why they insured their risk with $600 trillion in CHINA OWNED… AIG CDS INSURANCE… CITI hid behind MERS…..owned by ABU DHABI……DUMPING STOCKS & BONDS INTO PUBLIC……THEIR BLACK POOL OF FRAUD……then the big FAKE SELLOFF by the LARGE INSTITUTIONAL INVESTORS CRASHED THE MARKET…..BIG INSURANCE SCAM BY THE INVESTORS……..NOW THE “BUYBACKS” BY THE FED OF THEIR INSOLVENT DEBT……..TO SELL TO THEIR INVESTORS……IS COMPLETE COMMUNISM…IT IS COMPLETE FRAUD…..THESE FINANCIAL WEAPONS OF MASS DESTRUCTION ARE TICKING TIME BOMBS……

  58. Neal, your assumption automatically assumes that every hedge fund which purchased MBS was also duped. You worked on the street and know damn well that larger hedgies knew exactly what was occuring and so did the monoline and swap provider.

    These guys all wrote synthetics on the cert tranche they purchased – similar to reinsurance to spread the risk. They knew what was occuring, handpicked pools to (theoretically short) bet against,and sat back and waited. This whole (you lied) debacle is nothing more than a last minute money grab from the Depositor.

    Carie, please explain how I the borrower bought a junk bond? How did they sell me anything and how did I pay? If I did buy a junk bond, as the borrower, please tell me where my quarterly dividend is, and how much cash I provided.

    Is the GSE defaulted loan paying me the dividend?

  59. Oops…correct typo….THAT MORTGAGE CONTRACT NEVER EXISTED….IT IS NULL.& VOID……FINITO…..CAPUT…..FINISHED…

  60. Shadowcat…..SEC records of what….? There were no trusts…or trustees because they never carried out the legal transaction because they couldn’t because of the ORIGINATION FRAUD…..They never owned anything because of that…they had nothing to secure…..a mortgage contract is evidence of a lien but not a legal lien and because the financial transaction never occurred between any of the parties in the mortgage contract that mortgage contract never exited…it is a nullity….null & void….finito….caput…finished…

  61. Now that we have knowledge of the fraud that we had no knowledge of before, neither we the investors or the investors in this mortgage fraud would want to be a party to any more fraud….that would be criminal as well…..we would be engaging in a cover up for massive fraud crimes & aiding & abetting more harmful crimes by paying money to someone who has no legal standing to collect….Investing in an unsecured bond is not ownership ….. & there never was a legal binding contract between any parties for many reasons but namely, the ORIGINATION FRAUD……There is no legal or monetary correction for what these crooks, who have a serious gambling problem did….They harmed everybody…

  62. Public Records and Goggles are Great Resources! SEC records, Co names and such.

  63. Did you know that BKs are Public Records? Not always available on line without a pass thou …. YEP! YEP!

  64. Deb…. go back and read stream again. Clues are always there.. if your looking for the answer to a question. Googles or Goggles … Spelling was never a strengh of mine. Anyhows put your specs on …. 🙂

  65. These large institutional investors and their perps are godamned nihilist communists..wealth stealers ….. who steal the wealth from who they deem the common stock…… who are … ALL OF US……these sickos ROB US under many MARXIST SOCIALIST guises & SCAMS….LIKE CREDIT LENDING, INVESTING, PROGRESSIVE TAXATION, SOCIAL PROGRAMS …..to create innumerable wealth for themselves, their cohorts & minions…THEY ARE THE ENTITLEMENT PEOPLE…& THEY ARENT THE OTHER HALF ANYMORE…..THEY ARE THE TOP PERCENTILE….THOSE TOP CORPORATE EARNERS…..LIKE BLANKFEIN…DIMON….MOYNIHAN…& THEY ARE THE DRONES FOR THEIR INVESTORS…

  66. You are trying to MIS & REPRESENT WHO THE REAL DEBTORS ARE…..WHO ARE THE ORIGINATORS…… WHO ARE THE FED & THE INVESTMENT BANKERS….WHO ARE ALL CONTROLLED BY THEIR INVESTORS…. THE BONDHOLDERS & SHAREHOLDERS WHO DON’T OWN ANYTHING…OR ANYONE….THOUGH THAT IS THEIR EVIL WISH….YOU REALLY CAN’T TURN WATER INTO WINE…..FIAT IS NOT AN ASSET CLASS & THEIR CREDIT IS INSOLVENT…OOPS…THE BIG SWINDLERS GOT SWINDLED BY THEIR OWN BIG SWINDLE….WELL CRY ME A NILE RIVER…

  67. Darn it … I mean absolutely. 🙂

  68. Sc- you better believe it. Glad you know the difference and absurdly give a shit about all of this mess.

  69. & stop the extortion….it’s criminal.

  70. Shadowcat…….I told you….don’t call me … they should all call the FED……and ask the suicide bankers to call their investors and ask them for their blood money…. I don’t have it.

  71. Who do you want to talk to Insolvent? The Homeowner? The Pensioner? The 401k Holder? The Stock Holder? The Bond Holder? The Taxpayer? The Teacher? Let me know …. and I will check to see if they are home.

  72. Seems you shadowcat, MIS & REPRESENT the same serious illness these politicians & large institutional investors have witch is……A SEVERE MULTIPLICITY DISORDER…

  73. @Deb, … Grammy always said … “Careful What You Ask For”. No offense intended to you. You’ve always been a Doer! Go Girl!

  74. Neil never suggested that to me. However, my intuition tells me you may have a severe multiple personality disorder Steve..do you have strange cravings to dine on dolphins…? That could very well be the first sign of MULTIPLICITY DISORDER…

  75. Phew I only asked. Give me the case.

  76. Hey shadowcat……So tell me, do witches dine at Bishop’s …..?

  77. …..and while the vultures are circling, all the cops are down at Bishops chowing down on some Chili….LOL…(inside joke) That place should be on Great Eats….LOL…!

  78. Insolvent, What part of “Your Already Dead in the Water” (as Neil has suggested many times to you already) dont you understand? If I was a gambling person … My bet is on Neil being right and You being wrong. But hey….. just a few more drops before the bottle is empty and then you will see the Truth staring you right in the face. Frankly, it can not happen soon enough for me. Drink Faster!

  79. No…..it smells like the COOK COUNTY MORGUE……with a pungent mix of the GARBAGE DUMP & that’s why all of the vultures are circling it…….caw, caw..

  80. Show me the legal assignment, then show me where all my payments went ……. otherwise, call someone who gives a shit.

  81. And Nail them down by their Peckers ….. They are Insured that way! *giggles*

  82. I did tell you all the Duck Story … Where you line up all your ducks in a row and nail them down, before someone shoots one. Right?

  83. ….it smells like a Duck! Not Fish! Perhaps someone needs sinus surgery?

  84. Sc. Stop. Not a fish …it If looks like a duck walk like a duck .. well.

  85. Yes, fishy.

  86. No… not Fishy …. Dont ask non-attorneys legal questions! Get an Attorney of your Own!

  87. Robert Wade posted that before—and he never responded when people asked him those same questions. Seems fishy.

  88. @ Robert wade
    Can you give details so we might learn what wins cases. If you are not ” gagged” if you won where’s the precedence case law, If its not a precedence can you talk to us. If not why post this ” teaser ” if it’s to encourage I thank you. But please a few good direction/ pointers would be great. Thanks

  89. Congrats Robert! If you won… you Truely Deserved It! God Bless!

  90. The truth is Louise, the financial transaction that was presented to all of us at the closing table was a BIG LIE….. None of that ever occurred. They used all of our signatures to loot the U.S. TREASURY & rob all of us by pocketing our payments as usury. Then they went on to oversell investments in our property VIA CITI WHO IS MERS AND OWNED BY ABU DHABI…. to the tune of $800 trillion dollars & insure their fraud via the Bank of China…AKA AIG…..for $600 TRILLION DOLLARS…….This massive UNSUSTAINABLE fraud & ongoing robbery was done by the FED VIA WALL STREET AKA THE RAINMAKERS….for the sole benefit OF THEIR LARGE INSTITUTIONAL INVESTORS……OUR ENEMIES…..THE TBTF GLOBALIST CRIMINALS BOTH FOREIGN & DOMESTIC..BECAUSE……THEY WANT US TO BELIEVE THE OWN US…..& THEY DON’T ..

  91. “…They were 10 year bonds sold as conventional mortgages….They sold us junk……period….end of story. Subprime is a fictional story. We weren’t sold mortgages, we were sold junk bonds…”

    response:

    “…Yes — the person who wrote this is correct. Subprime is a fictional story. The bonds that were sold were not backed (collateral) by ACTUAL MORTGAGES. They were backed by JUNK — collection rights to already (falsely) charged off debt, which paid a higher rate of return than the bonds that were actually backed by valid mortgages.

    SO SIMPLE, I do not know why some do not get it. If the subprimewere actually backed by valid mortgages — the interest rate charged borrowers would not be higher — it would be the SAME. The reason the interest rate was higher on subprime is because these borrowers could not get a valid mortgage. Subprime was nothing more than JUNK DEBT…”

    JUNK DEBT DOES NOT A SECURED MORTGAGE MAKE.

  92. The TBTF, large institutional investors are the modern day Hitler’s of the world hiding behind the scenes of their crimes. The money changers, the Corporate CEO’s, the media, the Bill Gates & Warren Buffets of the world, the educational system, the politicians, the medical establishment, the legal establishment, these “muppets” are a big part of this experiment to make us believe these greedy jerks, own us. They don’t.

  93. When you sat down at the closing table, your loan was already in the MERS system with a MIN number all without your signature. The note and mortgage do not represent the actual transaction. The so-called warehouse lender was NOT in the contract (note and mortgage), therefore the contract did not accurately represent the transaction. Therefore, the contract is void under contract law 101. As far as I can tell, only an accounting trick was used to allegedly transfer money. No money actually moved. It is a system to put you in debt for the rest of your life.

  94. Its all about the usury with these Cretans …… The traitor GLOBALIST politicians have turned EVERYTHING WE PAY INTO A TAX, including THE MORTGAGE for the sole benefit of their large institutional investors. The American people need to stop handing these crooks their remaining wealth and arm themselves against these theives. The TBTF are the whores of Babylon..They are sick GLOBALIST sadists who want a microchipped population of 500 million personal ATM MACHINES….Just enough slaves to run their slave plantation….they are eugenicists ….murderer’s & theives.

  95. @ Robert Wade

    I would like to learn more about how you won…
    Can you send your email ?

  96. @Robert

    What state?

  97. In response to homeowner and investor coming together to create a more stable loan for me is out of the question. I have fought the fight and won an unencumbered home through Federal Court system and for me I would not go back. They did not have standing with promissory note signed by borrower and deed of trust, they did this to themselves. As a homeowner being a pawn in a chess game and becoming a winner is huge, and anyone out there that won don’t let them take away the success. I will not be taken ever again. Credit is a money maker for money mongers,greed and more, and more is there religion. So the winners are the homeowners that fought back and won. This is very gratifying. ROBERT I. WADE by God’s grace a Winner.

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