A reader asked me to post this: (It’s worth your time)
see https://www.youtube.com/watch?v=TBSXNI0g-Kc
As I have stated for 14 years, they can’t get anywhere if they don’t have the note unless they prove a lost note. They don’t prove a lost note because the elements of a prima facie case for lost note are that the claimant was given possession of the original note by specified person in a specified transaction.. The banks can’t prove that case because there is original note. it was destroyed contemporaneously with origination of the homeowner transaction that is mistakenly referred to as a loan.
And they have another problem” they can’t get the note into evidence as evidence of the underlying obligation unless they have proper foundation testimony from someone with personal knowledge about the original transaction or, as in this case, by getting the homeowner to admit that the fabricated note she is being shown is the original, that she signed it and that she owes the money.
The homeowner in this video, Renee, refused to admit anything and the lawyers responded with all sorts of tricks to get her to acknowledge her signature on the fabricated note that they were trying to get into evidence. But Renee stayed simple and smart. She said I didn’t sign that document.
The plain truth is that if the foreclosure mill had a case they could win without legal presumptions then they would have gone to court saying it doesn’t matter if that is the original note or not — we have the right to enforce granted to us by the owner of the underlying obligation. But they can’t do that because it isn’t true. And they get away with it because the overuse of litigation immunity.
Renee should not be required to pay on any claim unless it is a valid legal claim. But more than that she should not be subject to claims for enforcement of her alleged obligation when the investment banks are not subject to enforcement of their obligation to compensate her for her absolutely required assistance in launching a concealed securitization scheme. A scheme that did NOT securitize her transaction, debt, note or mortgage. So sale occurred.
She appears to be correct in saying that Wells Fargo, a repeat offender for fraudulent accounts and documentation, was doing it again.
Bottom line: Admit nothing make them prove everything — whether alleged or asserted.


