BACK AT YOU

SUBMITTED BY LAWYER WITHOUT ATTRIBUTION — CHECK WITH COUNSEL BEFORE USING THIS

I am in receipt of your letter dated _______. In that letter you purport to represent JP Morgan Chase. According to representatives of JP Morgan Chase, they never heard of you or your law firm. Please provide proof of your authority to represent them in regard to my loan. In addition, please provide me with the source of your information regarding the status of my loan, including the name and address of the person with whom you spoke or corresponded. Further I have checked and JP Morgan Chase is not the Lender of record in the County records and it is neither the authorized servicer nor the creditor on my loan.

Therefore I refuse to deal with you unless and until you provide me with adequate assurance that I am not disclosing private information to a disinterested party. I dispute the claim of default, I dispute the claim in its entirety and I have afirmative defenses and counterclaims for appraisal fraud, predatory lending, violations of Truth in Lending, consumer fraud, securities fraud and deceptive lending.

Nonetheless I am quite willing to negotiate a settlement of this claim if you can provide me with the name and contact information of the creditor. Specifically I am asking whether you can identify a person or company that can execute a satisfaction of mortgage which upon recording will clear the encumbrance from my property? I presume this party or company would be the party or company to whom I owe the money, although the title record and the securitization of my loan indicates that the holder of the mortgage, the holder of the note and the holder of the obligation are all three different entities and might be obscured by conduct of the securitization participants.

If you can clear up these issues with actual people who would be competent witnesses in court or actual original documentation that can be authenticated and verified as to form and content, then I think we can proceed. If you cannot and you are unable to provide proof of authority to represent and/or unable to establish JP Morgan Chase as a creditor, then I presume we have nothing further to discuss.

Very Truly Yours

Bach Athugh

Posted in bubble, Corruption, Eviction, securities fraud |