20 Points of TILA Rescission: 9th Circuit Court Allows “Claim” for Rescission Under WA Statute of Limitations
Originally posted by Neil Garfield 20180114
See bottom of page to get a FREE TILA Rescission Letter
I have distilled the legal points and procedure of TILA Rescission down to their essentials and specifics as you can see below. In the case presented the 9th Circuit ruled in favor of the homeowner but in so doing continued to violate the law of the land enunciated by the Supreme Court of the United States and Congress.
Yes the homeowner should win but no, the homeowner should not be treated as having any burden of proof as to effectiveness of the TILA Rescission because the TILA Rescission statute is a self-executing statute that is effective by operation of law. It is not and never was a claim.
Astonishing. The 9th Circuit is drilling down on the premise that TILA Rescission is a claim rather than a self executing statutory event. This decision, favorable to the homeowner, not only engraves the “claim” theory in concrete, it applies a 6 year statute of limitations in Washington State.
The fact that the statute says the rescission is effective “by operation of law” is once again ignored. This may cause the Supreme Court of the United States (SCOTUS) to finally accept certiorari in cases involving TILA Rescission and to once again (See Jesinoski v Countrywide 135 S. Ct. 790, 792 (2015) scold all the lower courts for their excess in reading into the statute what is either not there at all or which is in direct contradiction to what the TILA rescission statute says. 15 U.S.C. §1635(f).
The message from SCOTUS should be clear: Just because you don’t like the result doesn’t mean you can reinvent the statute to say what you think it should have said. Both the trial court and the 9th Circuit were massively wrong, and eventually that will be made clear — but not until considerably more damage is done to American homeowners, the real estate market, our society, and the financial system generally. If you really want to see a correction to bad bank behavior this is the tool.
Had they accepted the simple wording of the statute and the wording of the SCOTUS decision in Jesinoski, the decision of the 9th Circuit would have been on target. As it is, they have muddied the waters even further.
They continue to regard TILA Rescission as a claim, thus applying the statute of limitations and avoiding the distasteful issues (for the courts) that would be raised by recognizing what SCOTUS and the TILA Rescission statute have already said: the TILA Rescission statute is procedural.
Upon sending the required notice the claim of the creditor is changed from the note and mortgage to a claim under the statute. The note and mortgage vanish just like the debt vanishes and when the note is executed (assuming the Payee is the same party to whom the debt is owed). The purpose both the TILA Rescission statute and the merger doctrine is to to bar two claims on the same debt.
The problem that the courts have manufactured is based upon the premise of “I don’t’ like that statute.” But if the statute is to be changed it MUST be done ONLY by Congress. SCOTUS (Jesinoski) has already pronounced the TILA Rescission statute clear and unambiguous permitting no interpretation based upon any perceived “ambiguity.” The courts hands are legally tied but they continue to operate in derogation of the statute and SCOTUS.
Here is the ONLY correct application of the statute — according to 15 USC §1635 and SCOTUS in Jesinoski v Countrywide 135 S. Ct. 790, 792 (2015):
- Upon sending a clear notice of a desire or intent to cancel the loan contract, and either its actual or presumed receipt (i.e. US Mail) by the owner of the debt or the owner’s authorized representative (or agent with apparent authority) the loan contract is canceled “by operation of law”.
- This renders the note and mortgage void. There is no “but”.
- The statute substitutes a different creditor claim for what was the note and mortgage, to wit: a statutory obligation to pay the debt after the owner complies with three conditions: (a) payment of money to the borrower (b) cancellation of note and sending it to borrower and (c) satisfaction of mortgage filed in the county records.
- The three duties are conditions precedent to demanding tender of property or money to pay off the debt.
- The fact that the three duties MAY be subject to an enforcement action by the borrower does nothing to change the effect of the cancelation of the loan contract by notice of TILA Rescission.
- There is no claim for enforcement of the three duties if the TILA statute of limitations has run.
- There is no claim for TILA Rescission. Either it was mailed or it wasn’t. There is no case or prima facie case except in enforcement of the three duties.
- There is no lawsuit required or even applicable to demand a court declare that the Rescission was effective. It is already effective simply by mailing. It already happened by operation of law. All decisions by all courts to the contrary are wrong. SCOTUS already said that.
- If the owner of the debt fails to either sue to vacate the rescission and/or follow the statutory duties, the statute of limitations under TILA is running and they may lose their right to demand payment of the debt completely. Once the TILA SOL runs out the right to collect the debt is dead after TILA Rescission.
- If the borrower fails to sue to enforce the three creditor duties, he/she is gambling on the TILA SOL cutting off the debt. The same statute of limitations cuts off the right of the borrower to sue based upon TILA claims.
- If the borrower does sue to enforce the three statutory Rescission duties the ONLY thing he/she should be claiming is that the statutory duties exist by virtue of 15 USC §1735 and that the Defendants failed to comply. Such an action could be after the SOL has run out seeking a declaration that the debt is dead (depending upon how SOL is treated).
- Neither the borrower nor the owner of the debt can reverse the effect of the TILA Rescission law. It is effective by operation of law and self-executing.
- Whether the notice is sent within 3 years or outside of the 3 years could be grounds to vacate the rescission which was already effective by operation of law. But that creditor lawsuit must be brought within the 20 days due for compliance with the three statutory duties. Minutes of the congressional discussion on this statute are quite clear — there should be no possibility at all for the presumed creditor to stonewall the borrower. SCOTUS said as much in Jesinoski, when it declared that no further action is required from the borrower other than the sending of the notice.
- The notice of rescission is facially valid if it declares the intention or desire to cancel the loan contract. There are dozens of cases saying exactly that. But it might be facially invalid if it expressly states that the contract it seeks to eliminate is outside of the three year limitation of “Consummation” (otherwise the 3 year limitation requires parole or extrinsic facts and requires finding of facts). This admission on the face of the instrument used to declare TILA Rescission MIGHT enable the presumed creditor to ignore it and ask the court to ignore it, at their own peril.
- If the creditor’s claim is that the rescission should be vacated (especially if it is recorded) or ignored because of the three year limitation or for any other reason, that is a lawsuit or an affirmative defense requiring allegation and proof of facts that are parole or extrinsic to the fact of the notice of TILA Rescission.
- There is no statute of limitation on anything that is effective by operation of law. It is an event, not a claim. Hence notice of TILA Rescission cannot be subject to interpretation as a claim and therefore cannot be subject to any statute of limitations.
- Thus all claims upon which courts took action or are taking action or will take any action based upon a loan contract that was canceled are VOID and completely undermine judicial standing and jurisdiction of the court. Subject matter jurisdiction is absent because the loan contract no longer exists. The creditor may either sue to revoke the rescission and cancel the instrument of rescission if recorded or make a claim based upon the statutory debt created by 15 USC §1635.
- The ONLY thing that could make void “sales” (of title to real property) final is Adverse Possession which typically takes around 20 years to establish. Check state statutes. The elements of adverse possession include but are not limited to continuous, open, notorious, peaceful, hostile (to actual owner), actual, visible, exclusive, and adverse. This is the “reset” that I forecasted 12 years ago. State legislatures are being lobbied to make such sales final even though they are legally void.
- All attorneys for the financial industry are in agreement with this analysis. The industry rejects the analysis because they correctly believe that they can persuade judges to act and rule opposite to the express provisions of the statute. So far they are right — except for the Supreme Court of the United States who is the sole source of a final definition of the law in this country.
- Anyone who seeks a change from the the current statute, or the Supreme Court decision must do so through efforts to have Congress change the law. If the rule of law is to prevail, the above procedural analysis must be followed in every instance.
Another Hat Tip to Mr. Garfield for this information and his work on TILA Rescission.
If you want a FREE TILA Rescission letter that gets around the supposed 3 year status of limitations register for a FREE Mortgage Fraud Analysis and Consultation Call using this intake form:
For information on foreclosure defense call us at 573-292-1280. We offer litigation support, admissible evidence, expert witness testimony, education, training, and support in all 50 states to attorneys and pro se homeowners.
Feel free to connect with us . . .
Address: Birch Tree MO 65438 Phone: 573-292-1280 Email: Info@FraudStoppers.org
DISCLOSURE: NOTICE OF Copyright © 2017 FRAUD STOPPERS, FRAUD STOPPERS PMA. THIS SITE IS NOT INTENDED TO BE MISCONSTRUED AS LEGAL ADVICE. Legal Information is NOT Legal Advice: This site provides “information” that is only designed to help users safely cope with their own general legal needs. Legal information is NOT the same as legal advice — the application of law to an individual’s specific circumstances. FRAUD STOPPERS is a National Private Members Association (PMA). PLEASE TAKE NOTICE OF THE FOLLOWING MARS Disclosure[s] 12 C.F.R. 1015.: (1) FRAUD STOPPERS PMA is NOT Affiliated with any Government Agency or Any Bank Lender; (2) Even if YOU Accept any of FRAUD STOPPERS PMA Products or Services Your Lender May Choose to NOT Change Your Loan. FRAUD STOPPERS products and services are only available to Active Members of the FRAUD STOPPERS PRIVATE MEMBERS ASSOCIATION. To join FRAUD STOPPERS PMA click here: https://www.fraudstoppers.org/members-only/
Lawsuit against Wells Fargo alleges stealth modifications that could vastly increase homeowners’ borrowing costs
Homeowners seek to halt Wells Fargo loan changes in high-profile bankruptcy case The Gaston County homeowners who have filed a class-action lawsuit against Wells Fargo are asking a judge in Charlotte this month to stop the bank from making...read more
Homeowner, Wells Fargo settle lawsuit over alleged theft during foreclosure process An Easton man and the bank that was foreclosing on his home reached a settlement in a dispute that arose when the man alleged his belongings were stolen by...read more
Saugus Family At Risk Of Foreclosure Due To ‘Immoral, Outrageous’ Behavior By Carrington Mortgage The family’s home loan was sold to a servicer called Carrington Mortgage, who Kelly says was incredibly difficult to communicate with as she tried to avoid...read more
MERS Lacks Legal Authority and Public Accountability Findsen Law Harvard Amicus Brief on MERS Some of the best quotes, Mortgage servicing companies, banks, courts and government agencies have all expressed astonishment at the extent to which...read more
Homebuyers lose life savings during wire fraud transaction, sue Wells Fargo, realtor & title company
Homebuyers lose life savings during wire fraud transaction, sue Wells Fargo, realtor & title company DENVER – A Colorado couple, who lost their life savings while trying to buy their dream retirement home, has filed suit against Wells Fargo Bank, Land Title...read more
Banks Accused Of Pocketing $240M In Foreclosure Billings To US Banks Accused Of Pocketing $240M In foreclosure billings To US. Bank of America, Wells Fargo, JPMorgan Chase and Citigroup are accused of scamming U.S. agencies out of some $240 million in a False Claims...read more
California moves forward on letting customers sue banks, inspired by Wells Fargo California took another step on Tuesday toward allowing state residents to sue banks and financial institutions for fraud, rather than letting banks force customers to settle disputes in...read more
AIG breaks into mortgage securitization big-time with high quality first offering When American International Group sold its mortgage-guaranty unit United Guaranty to Arch Capital Group last year, the company said that it planned to turn to residential mortgages to...read more
CenturyLink Is Accused of Running a Wells Fargo-Like Scheme A former CenturyLink Inc. employee claims she was fired for blowing the whistle on the telecommunications company’s high-pressure sales culture that left customers paying millions of dollars for accounts they...read more
JPMorgan Chase Is Biased Against Dads, ACLU Complaint Says The American Civil Liberties Union is accusing JPMorgan Chase & Co. of violating the Civil Rights Act by discriminating against fathers when they ask for parental leave. The ACLU filed its complaint...read more
Wells Fargo Is Accused of Making Improper Changes to Mortgages Even as Wells Fargo was reeling from a major scandal in its consumer bank last year, officials in the company’s mortgage business were putting through unauthorized changes to home loans held by customers...read more
Bank of America agrees to pay $2M over customer recorded calls SAN DIEGO – Bank of America will pay nearly $2 million to settle a lawsuit alleging it violated state law by failing to timely disclose its automatic recording of phone calls with members of the public,...read more
How you can find favor with judges Get your way the Right Way! Having a judge rule against you because he doesn't "like" you isn't a good thing! It helps to have the judge "on your side". But! There's only ONE WAY to get a judge's favor. Know what you're doing, do it...read more
CFPB Is Probing Wells Fargo’s Mortgage Practices The Consumer Financial Protection Bureau is conducting an investigation into alleged improprieties in Wells Fargo’s mortgage fee practices. The CFPB is looking into allegations, first reported by ProPublica in January,...read more
Deutsche Bank reaches $95 million RMBS settlement with Maryland The state of Maryland announced last week that it reached a $95 million settlement with Deutsche Bank over claims that Deutsche Bank misled investors about its securitization and sale of residential...read more
Earlier this year, reports began to emerge that New York City was considering becoming the next in a string of cities and states that cut ties with Wells Fargo in the wake of the bank’s fake account scandal. And Wednesday, that’s exactly what happened, as New York...read more
Federal Reserve Board announces $41 million penalty and consent cease and desist order against Deutsche Bank AG
Federal Reserve Board announces $41 million penalty and consent cease and desist order against Deutsche Bank AG The Federal Reserve Board on Tuesday announced a $41 million penalty and consent cease and desist order against the U.S. operations of Deutsche Bank AG for...read more
FRAUD STOPPERS PMA Mortgage Foreclosure Defense Blog Update May 30, 2017 Settlements on Appeal Joseph L.S. St. Amant The Dispute Resolution Pyramid Table 18, Page 76 of THE INSIDER’S GUIDE TO FIFTH CIRCUIT INTERNAL PROCEDURES Everybody understands that settlements...read more
Wells Fargo Must Fully Compensate Victims in Account-Scandal Settlement SAN FRANCISCO (CN) – Wells Fargo must guarantee full compensation and credit history repairs for an estimated 2.73 million victims of its sham accounts scandal before a judge will approve a...read more
California district court upholds constitutionality of CFPB A U.S. district court judge in the Central District of California defended the constitutionality of the Consumer Financial Protection Bureau after rejecting multiple challenges to the bureau’s authority to...read more
Wells Fargo scandal may force New York City to find new bank City rules may require New York to yank its deposits from Wells Fargo, one of 20 banks approved to hold the city’s cash. A commission is set to meet next week to decide which banks are approved for city...read more
FRAUD STOPPERS PMA Mortgage Foreclosure Defense Blog Update May 23, 2017 Revised UCC Article 9, IRC 1031 Like Kind Exchange Transactions, and Liens on Real Property. Did the lien’s beneficial interest maintain perfection, and was it therefore eligible to be...read more
Citigroup Agrees to $97.4 Million Settlement in Money Laundering Inquiry But no jail time… For years, Citigroup employees feared that millions of dollars the bank was moving to Mexico might be suspicious. Yet in many cases, the bank did not alert regulators or step up...read more
TOPICS:CorruptionJanet PhelanJustice May 17, 2017 By Janet Phelan Las Vegas. These words conjure up visions of glitz, glam, glitter and fabulous wealth. And behind Vegas’s casino culture have always lurked rumors of laundered money and organized crime. The Mob’s...read more
$142M Wells Fargo Deal Moves Forward Despite Objections SAN FRANCISCO (CN) – A federal judge said Thursday he will likely approve a $142-million Wells Fargo settlement, despite objections that the deal lets the bank off easy for opening millions of unauthorized...read more
HSBC : settles bondholders’ claims of Libor manipulation HSBC Holdings Plc has settled claims by a group of U.S. bondholders that it conspired with rivals to rig the Libor benchmark interest rate, according to a New York court filing on Monday by the bondholders’...read more
Bad news for Wells Fargo… Housingwire: The city of Philadelphia announced Monday that it is suing Wells Fargo for alleged discriminatory lending practices against minority borrowers. Philadelphia’s announcement specifically cites the recent Supreme Court decision,...read more
FRAUD STOPPERS PMA Mortgage Foreclosure Defense Blog Update May 16, 2017 From THE PAPER CHASE, Pages 50-51, Adam Levitin. “Even in cases in which there is not a preexisting junior mortgage on the same property, the depositor lapse in MERS’s common-agency system...read more
Supreme Court rules cities can sue banks for predatory lending Hands partial victory to Miami in suits against Bank of America, Wells Fargo The Supreme Court handed down a landmark ruling, stating cities can sue banks for discriminatory mortgage lending practices, but...read more
Wells Fargo bogus accounts balloon to 3.5 million: lawyers Wells Fargo & Co may have opened as many as 3.5 million unauthorized customer accounts, far more than previously estimated, according to lawyers seeking approval of a $142 million settlement over the...read more
Texas orders Ocwen to stop acquiring new mortgage servicing rights The Texas Department of Savings and Mortgage Lending recently ordered Ocwen Financial Corporation to cease and desist, adding its name to a growing list of states and regulators coming after the...read more
MERS wins in four Pennsylvania county lawsuits The Commonwealth Court of Pennsylvania, by a majority opinion, ruled in MERS’ favor in four lawsuits filed by the Recorders of four Pennsylvania Counties (Delaware, Berks, Bucks and Chester), locking in another victory...read more
New York Court Quietly Moves to Toss Out Hundreds of Foreclosure Cases BROOKLYN — Kings County Supreme Court is about to quietly dismiss thousands of foreclosure cases on Tuesday — in what lawyers say will deal a severe blow to homeowners with pending cases. The court...read more
Judge Skewers Wells Fargo at Hearing on Phony-Accounts Scandal SAN FRANCISCO (CN) — A federal judge Thursday appeared skeptical of Wells Fargo’s claim that its board of directors was unaware of the scope of the phony accounts scandal that already has cost the bank...read more
Chinese group becomes biggest shareholder of Deutsche Bank as investors revolt Conglomerate HNA has upped its stake in the bank to 9.92 percent as a result of a voting rights announcement and share package worth £2.8billion (€3.4bn). The Chinese have replaced the...read more
Co-Defendant Likely To Testify Against Ill. Judge, Feds Say By Diana Novak Jones Law360, Chicago (May 4, 2017, 5:10 PM EDT) -- The co-defendant of an Illinois state judge charged with running a $1.4 million mortgage fraud scheme is cooperating with the government and...read more
How the FHA May Impact the Supreme Court Foreclosure Ruling In a 5-3 decision on Monday, the U.S. Supreme Court determined that cities can sue banks over lost tax revenue on foreclosed properties from urban blight. Law360 reported that Miami has the standing to sue...read more
Massachusetts sues Ocwen for “abusive” mortgage servicing practices Ocwen fought back against Massachusetts’ regulations, asking a court to restrain the state’s cease and desist order because it would “cause significant harm” to its customers in the state. But, the...read more
The city of Philadelphia just gave Wells Fargo its walking papers Wells Fargo has lost the contract it held for Philadelphia’s $2 billion payroll account. The bank’s public standing continues to suffer even as it has sought to correct problems tied to the fake-account...read more
FRAUD STOPPERS PMA Mortgage Foreclosure Defense Blog Update May 2, 2017 The following snippets are from the affidavit of Walker F. Todd an attorney and legal officer for the legal Departments of the Federal Reserve Banks of New York and Cleveland. Banks are required...read more
Miami Lawsuit Against Mortgage Lenders Survives High- Court Review WASHINGTON — The Supreme Court handed a partial victory to the city of Miami Monday, ruling it was authorized to bring lawsuits alleging Bank of America Corp. and Wells Fargo & Co. engaged in...read more
UBS, BNP, RBS get subpoenas in U.S. Treasuries probe – Bloomberg U.S. federal prosecutors subpoenaed several banks last month as part of a criminal investigation into possible manipulation of the U.S. Treasuries market, Bloomberg reported on Monday. The banks include...read more
Kentucky Law Journal Article Cites Accountability for Lawyers Who Wrote Securitization Documents Posted on April 27, 2017 by Neil Garfield "Back at the beginning of creating the false pyramid of “Securitization” 9 lawyers in the New York metropolitan area resigned...read more
OCWEN FILES MOTIONS FOR RESTRAINING ORDERS AND INJUNCTIONS AGAINST ILLINOIS AND MASSACHUSETTS MORTGAGE REGULATORS
OCWEN FILES MOTIONS FOR RESTRAINING ORDERS AND INJUNCTIONS AGAINST ILLINOIS AND MASSACHUSETTS MORTGAGE REGULATORS WEST PALM BEACH, Fla., April 25, 2017 (GLOBE NEWSWIRE) — Ocwen Financial Corporation, (NYSE:OCN) (Ocwen or the Company), today announced the filing of two...read more
Ocwen Financial is pulling a PHH. Just as PHH did recently, Ocwen is playing the unconstitutional card in its fight against the Consumer Financial Protection Bureau, asking the United States District Court for the Southern District of Florida to declare the CFPB...read more
The Office of the Comptroller of the Currency announced Tuesday that it is ordering U.S. Bank National Association to pay a civil penalty of $15 million for what it calls “bankruptcy filing violations” that occurred between 2009 and 2014. According to the OCC, an...read more
65 SIGNS THAT YOUR FORECLOSURE DOCUMENTS COULD BE FRAUDULENT The Mortgage or Deed of Trust is assigned from the Originator directly to the Trustee for the Securitized Trust. 2. The Mortgage or Deed of Trust is assigned months and sometimes years after the date of...read more
Housingwire: Maryland’s action, taken by the state’s Commissioner of Financial Regulation, is, in the words of a HousingWire tipster, a “doozy.” Maryland’s cease-and-desist order, which can be read in full here, presents a laundry list of Ocwen’s supposed failings,...read more
If Ocwen is (or was) Your Servicer Take Action Now! Ocwen has admitted that its mortgage servicing policies and loan processing systems are a “train wreck”. As regulators and the Consumer Fraud Protection Bureau (CFPB) set their sights Ocwen, we recommend that FRAUD...read more
Trump signs memorandum on Dodd-Frank’s orderly liquidation authority Housingwire: Unlike a broader past executive order designed to roll back the Dodd-Frank Wall Street Reform Act, the landmark legislation passed in wake of the financial crisis, Friday’s executive...read more
Massachusetts put Ocwen out of business. Here are the rest of the states.. Housingwire: Below is a list of the remaining states with relevant passages about each state’s restrictions on Ocwen: Arkansas – Arkansas Securities Commissioner, B. Edmond Waters, issued a...read more
CFPB, Florida Sue Ocwen For Mortgage Servicing Issues Share us on: By Evan Weinberger Law360, New York (April 20, 2017, 5:02 PM EDT) -- The Consumer Financial Protection Bureau on Thursday sued mortgage servicer Ocwen Financial Corp. in Florida federal court...read more
Wow! There were multiple red flags and missed signals at the OCC for years, the bank’s main regulator, the report said. Most tellingly, bank examiners assigned to review Wells Fargo were aware of approximately 700 whistle-blower complaints related to “gaming of...read more
Liberty, Justice, & The Rule of Law I have a T-shirt that says "Freedom is not Free!" Patrick Henry said, "Give me Liberty or give me death!" Liberty is what we seek. • Liberty to own a home. • Liberty to run a business. • Liberty to enjoy life. But,...read more
If you are in foreclosure and you have a loan with Wells Fargo you should know that a federal regulator on Wednesday criticized its oversight of Wells Fargo’s sales practices, saying it failed to act quickly enough once it learned of problems at the San Francisco...read more
David Dayen Chain of Title: How Three Ordinary Americans Uncovered Wall Street's Great Foreclosure Fraud Hardcover – May 17, 2016 Click on book to purchase it right now! A Texas jury’s recent decision to award over $5 million in damages and fees for the fraudulent...read more
FRAUD STOPPERS PMA Mortgage Foreclosure Defense Blog Update April 18, 2017 100 INTRODUCTORY FACTS ABOUT MORTGAGE SECURITIZATION By LYNN E. SZYMONIAK, ESQ., ED., Fraud Digest (www.frauddigest.com) LISA EPSTEIN, www.foreclosurehamlet.org 1. Most mortgages in the U.S....read more
Nuns Take On Wells Fargo In an insightful song about outlaws, Woody Guthrie wrote this verse: “As through this world I travel / I see lots of funny men / Some’ll rob you with a 6-gun / Some with a fountain pen.” The fountain pens are doing the serious stealing these...read more
HSBC to pay $2 million to resolve U.S. civil loan fraud lawsuit HSBC Holdings Plc has agreed to pay about $2 million (1.60 million pounds) to settle a civil fraud lawsuit that alleged the bank improperly attempted to get reimbursement from the federally backed U.S....read more
Local vet urges changes in Dept of Veterans Affairs rules on foreclosures SPARROWBUSH – Any day now, DJ Gonzalez will be escorted out of his home, and the doors will be locked behind him. Gonzalez, a 62-year-old Vietnam War veteran, is on the verge of homelessness,...read more
Preparing for Hearings or Trial ... Whether you're training for the Olympics or trying to win a case in court, winners know they must exercise, prepare themselves, and be ready for competition. Most court cases can be won before trial. Our course will show you: Proper...read more
OneWest Bank, the mortgage servicer previously owned by Treasury Secretary Steven Mnuchin, has been accused by homeowner groups of a type of foreclosure abuse involving lender-placed, or force-placed, insurance. Mortgage servicers are able to force insurance policies...read more
September 13, 2007 John Stumpf Wells Fargo Company 420 Montgomery St San Francisco CA 94301 Dear Sir, I sincerely regret the circumstances under which I am corresponding, Nine months ago, I reported unethical (and illegal) activity to Wells Fargo Regional Bank,...read more
A federal judge won’t dismiss a Waynesboro’s couple lawsuit against Wells Fargo National Bank and two other companies alleging “deceptive, fraudulent and unconscionable” sales practices. Although U.S. District Judge Daniel Jordan III refused to dismiss Archie and...read more
70 MILLION MORTGAGES ARE LEGALLY VOID! DO YOU HAVE ONE OF THEM? BANKS AND WALL STREET TRUSTS HELD ACCOUNTABLE FOR WRONGFUL ASSIGNMENT OF DEEDS OF TRUST! General Overview: Upwards of 70 million mortgage-loan-contracts are legally faulty. It has now been determined...read more
Wells Fargo blames former retail division head for Wells Fargo sales scandal The report, carried out by board Chairman Stephen Sanger and three other independent directors and released to media on Monday, said former retail division head Carrie Tolstedt ignored the...read more
You CAN Control Judges! Learn how to show the judge an appellate court will reverse his decisions on appeal if he doesn't rule in your favor. Otherwise, the judge will rule as he pleases. If you let the judge think you don't know how to appeal, or won't be able to...read more
Here’s why Wells Fargo forces its customers into arbitration: It wins most of the time The fine print: portion of an arbitration clause from a Wells Fargo credit card agreement, which binds the customer to arbitrate almost any dispute with the bank and forbids class...read more
MISSOULA, Mont. (AP) — The Missoula City Commission has voted to pull $2.6 million of the city’s money from Wells Fargo accounts because the bank is invested in the Dakota Access Pipeline and because employees opened fraudulent customer accounts to generate fees and...read more
How to Control Corrupt Courts, Judges, and Lawyers! Law school teaches all sorts of things ... but not how to control judges nor how to overcome scheming tricks of crooked lawyers! Law school is not the real world. Law professors are too politically correct to teach...read more
“I cannot decide for you the moral obligations you should pursue; but if a wrong has been committed against you (such as a clouded title or a fraud resulting from a mortgage loan) you have the duty as an American property owner to correct it. Filing a lawsuit (in my book) reflects one’s personal responsibility.”.Dave Krieger
Feel free to connect with at:
Address: BIRCH TREE, Missouri, 65438-8473
Legal Information Is Not Legal Advice: This site provides “information” about the law and is only designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice — the application of law to an individual’s specific circumstances. THIS SITE IS NOT INTENDED TO BE MISCONSTRUED AS LEGAL ADVICE. Fraud Stoppers is NOT a law firm, non-profit organization, or government agency. Register for your Free Mortgage Fraud Analysis and Securitization Search, and get Free Foreclosure Defense Help and Free Foreclosure Defense Documents that you can use to stop a foreclosure and save your house.