DEVIL IN THE DETAILS

EDITOR’S NOTE: Here is a very good example of assuming nothing and challenging everything. The pretender lenders are depending upon you and the judge to rely upon initial impressions. These documents look fine from 6 feet away or if you just skim them. But when you start looking at everything you begin to see things in the same way that you solve a puzzle. When you first look at a puzzle you might not know where to begin. But as you examine it clues are revealed.

You can easily see from Laura’s comments below how these documents fall apart upon close scrutinization. For example, six different signatures from the same alleged VP on 20 different documents. Our recent comments directed toward the question of whether these people actually exist becomes increasingly important as we examine these documents. Make sure you look and make sure your Atty. looks closely for these kinds of discrepancies. I would venture to say that in virtually all cases you’ll find the discrepancies.

You must remember that this is not just a matter of finding the discrepancies but demonstrating them to a judge along with an argument based in law that the discrepancies are important enough to stop the pretender lender from going forward with any foreclosure.

FROM LAURA

Just a quick follow-up…

– Went to Clerk and Recorder’s office, and reviewed every assignment ever filed by Creative Mortgage Funding (initial lender). The signature of the then-vice president of Creative Mortgage Funding is DIFFERENT on most of these – in fact, I see a total of six distinctly different signatures on the 20 assignments that just went to Ohio Savings Bank/Amtrust. Some of them are assigned to MERS, and I suspect the signature of the VP on these is one of the robot-signers out there. The former VP now works as a VP of Sales for a different mortgage company.

– There are only two notaries on all of these assignments. One of whom I know worked for Creative Mortgage Funding (how could she not see that it wasn’t her boss’s signature on some of these assignments?) and is still a registered notary in the State of Colorado (lives just a few blocks from me). The other notary was the owner of the company that prepared the loan documents (Loan Docs, Inc.) and is no longer a registered Notary in Colorado, appears that she now lives in Nebraska and may have a liquor license. Both companies show in the Secretary of State’s office as administratively disbanded in 2006 and 2007 for failure to file annual report and pay annual fees.

As advised by Abby and others, I will be filing a complaint with the Notary division of the Secretary of State’s office before the week is out on both notaries, although I suspect they will only act on the complaint regarding the notary who is still registered.

– Received notice in the mail today, August 2nd, only one day after they became supposed servicer of record, from the alleged new servicer, Residential Credit Solutions, notifying me that they are the new loan servicer. Sent QWR out today, too

– Supposedly the NEW “owner” of my note is “Amtrust 2010 NP-SFR” – this is a LLC consisting of a “consortium” of Residential Credit Solutions (a debt collector in Fort Worth, Texas), CarVal of Minnetonka, Minn. (a private portfolio manager of undervalued and credit-intensive assets), and RBS Financial Products Inc. of Stamford, Ct, (a commercial real estate lender that purchases, sells and finances commercial and residential mortgage loans and other financial assets.) Oh, let’s not forget the FDIC, which has a 60% stake in this new LLC. Of course, none of this tells me who “owned” my loan prior to the failure of Amtrust Bank.

– Met with the Investigator on Duty of the Economic Crimes Division of our local District Attorney’s office today, and showed him all the notary fraud/misconduct I found, including 40 other (yes, 40!) assignments that were never signed and/or notarized or both from BAC Home Loan Servicing (Bank of America) – thought maybe if I showed him one of the “big guys” he’d be more interested, than in going after some “little guys” who aren’t even in business technically anymore. Well, he was very polite, spent about 40 minutes with me, asked some good pertinent questions (“but what is the harm TO YOU…”), but ultimately, told me they don’t have the resources to pursue such stuff as this… implied that there really isn’t any “true” harm since people are going to pay their mortgages to someone or are going to lose their houses regardless of who signed what… then actually told me I shouldn’t waste my time and energy worrying about “other people” and “chasing shadows”… in other words, go away little girl. Obviously, he doesn’t know me very well.

Ok, this wasn’t that “quick” of an update… but felt like sharing

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