I think everyone should send a complaint to the CFPB as follows:
*
Like millions of other homeowners, I have been trying to get one simple answer to one simple question: What is the current status of any unpaid loan account receivable due from me? And for years we have all failed to get any response that answered the question. Here is yet another example of how that question is evaded.
*
The CFPB was chartered to protect financial consumers from abuse, fraud, and other illegal practices. If there is a legitimate reason why no person and no company will answer that question, then what is that reason? If there is no legitimate reason why no person or company will answer that question, then why does the CFPB leave it to individual consumers to shoulder the entire burden of revealing illegal behavior?
*
My specific question arises from experts that concluded that all securitization players have been paid in full through the sale of securities. The sole basis for any claim, right, title, or interest to my money or my property arises from the production of a payment history that is neither prepared by any named servicer nor from data they have input or processed. They neither collect nor disburse money. Their “reports” are neither records nor reliable. Their reports are hearsay on hearsay.
*
And yet the CFPB continues to accept responses from them as though they were a creditor or representative of a creditor. They are not. Worse, despite receiving tens of thousands of complaints, the CFPB has refused to investigate or publish any factual findings relating to false claims of sale and securitization of my debt.
*
I demand that the CFPB take action and I demand access to the results of those findings. If any unpaid account receivable exists on the books of any person or company I am willing to pay it. But if it is not there, then why should anyone pay it? And if it is not there, then what is being done with the money received by undisclosed third parties from homeowner payments and foreclosures?
*
DID YOU LIKE THIS ARTICLE?
Nobody paid me to write this. I am self-funded, supported only by donations. My mission is to stop foreclosures and other collection efforts against homeowners and consumers without proof of loss. If you want to support this effort please click on this link and donate as much as you feel you can afford.
Please Donate to Support Neil Garfield’s Efforts to Stop Foreclosure Fraud.
CLICK TO DONATE
Click
Neil F Garfield, MBA, JD, 74, is a Florida licensed trial and appellate attorney since 1977. He has received multiple academic and achievement awards in business, accounting and law. He is a former investment banker, securities broker, securities analyst, and financial analyst.
*
FREE REVIEW: Don’t wait, Act NOW!
CLICK HERE FOR REGISTRATION FORM. It is free, with no obligation and we keep all information private. The information you provide is not used for any purpose except for providing services you order or request from us. You will receive an email response from Mr. Garfield usually within 24 hours. In the meanwhile you can order any of the following:
CLICK HERE TO ORDER ADMINISTRATIVE STRATEGY, ANALYSIS AND NARRATIVE. This could be all you need to preserve your objections and defenses to administration, collection or enforcement of your obligation. Suggestions for discovery demands are included.
*
CLICK HERE TO ORDER TERA – not necessary if you order PDR PREMIUM.
*
CLICK HERE TO ORDER CONSULT (not necessary if you order PDR Plus or higher)
*
*
CLICK HERE TO REVIEW AND ORDER PRELIMINARY DOCUMENT REVIEW (PDR) (PDR PLUS or BASIC includes 30 minute recorded CONSULT)
FORECLOSURE DEFENSE IS NOT SIMPLE. THERE IS NO GUARANTEE OF A FAVORABLE RESULT. THE FORECLOSURE MILLS WILL DO EVERYTHING POSSIBLE TO WEAR YOU DOWN AND UNDERMINE YOUR CONFIDENCE. ALL EVIDENCE SHOWS THAT NO MEANINGFUL SETTLEMENT OCCURS UNTIL THE 11TH HOUR OF LITIGATION.
-
But challenging the “servicers” and other claimants before they seek enforcement can delay action by them for as much as 12 years or more.
-
Yes you DO need a lawyer.
-
If you wish to retain me as a legal consultant please write to me at neilfgarfield@hotmail.com.
Please visit www.lendinglies.com for more information.
Filed under: foreclosure |
Need to find state appropriate Statutes…below was filed in Arizona against Governor Ducey.
Just a thought folks…nothing else is working.
Perhaps try challenging the people causing the recordation of “fake documents”…go after their bonds…
Re: Freedom of Information Act Governor Certificate of Insurance
Dear Governor Ducey,
This is a request under the Freedom of Information Act, the Sunshine Act, and Public Records Law §39-121 et seq.
I request that a photocopy of the following documents be provided to me:
Copy of Governor Ducey Certificate Insurance Policy; Self Insured Plan as Defined By Statutes:
AZ Rev Stat § 38-101
Title 38-251. State officers and employees blanket bond; amount; approval
38-253 Approval Of Bond; Filing
38-254 Bond Premiums As Public Charge
Title 38-255. Recording of bond; copies
Title 38-256. Form of official bonds
38-257 Justification Of Sureties; Officers Ineligible As Sureties
38-258 Limitation Of Liability By Sureties
Title 38-259. Extent of liability
Title 38-260. Beneficiaries of bond
Title 38-261. Successive recoveries
38-262 Defects In Form, Approval Or Filing Of Bond
38-263. Additional bond; failure to file
38-264 Additional Bond; Terms
38-265 Liability On Original And Additional Bonds
38-266 Judgment On Original And Additional Bonds; Contribution Of Sureties
38-267 Discharge Of Sureties
38-268 Bonds Of Persons Appointed To Fill Vacancies
38-269 Withdrawal Of Surety; Effect On Remaining Sureties
38-270 Supplemental Bond Upon Withdrawal Of Surety; Exception
38-271 Effect Of Withdrawal On Liability Of Surety
Title 38-272. Affidavit of plaintiff in action to recover on bond that defendant owns real property; notice to recorder
38-273 Recording Notice Of Ownership Of Real Property; Lien Of Judgment
Photocopy of the following document if applicable:
ACORD 125
ACORD 126
ACORD 127
ACORD 128
The documents should indicate the policy number and the insured amount of the policy.
Photocopy of the Errors and Omissions (E&O) if applicable.
Photocopy of the Duty of Care policy for the Governor.
I am a private citizen seeking information concerning Governor Ducey Certificate Insurance Policy; Self Insured Plan that all heads of the state are required to obtain.
Certificate of Insurance; Self Insurance Policy; an ACORD; the Errors and Omissions, and the Duty of Care Policy requests fall under the Freedom of Information Act (FOIA), 5 U.S.C. § 552, The Sunshine Act 5 U.S.C. § 552b, Public Records Law §39-121 et seq., and by law you are obligated to supply me with this information.
Please supply me with this information within the next (72) hours. You are required by the FOIA act of Arizona to supply this information to anyone who asks for a photocopy of Governor Ducey Certificate of Insurance; Self Insured Plan, an ACORD, the Errors and Omissions (E&O), and the Duty of Care policy. This is also required by Insurance companies that you must supply your insurance policy to anyone who requests a copy of your policy.
That is what you will get, Java, “CLOSED.” The CFPB was not set up right. The people did not get what they were originally told as to CFPB formation.
CASE CLOSED.