WHY ARE SOME JUDGES, LAWYERS AND MEDIATORS SUPPORTING CROOKED BANKS?

Lets start with addressing the dreaded “FREE HOUSE” SYNDROME that SOME of these individuals are OBSESSED by.  To start with, if you have been the victim of one or more of the Big Banks (such as Citimortgage, Bank of America, etc or a victim of Loan Servicers such as Litton Loan or the Famous Ocwen Loan Servicing) then you know quite well – their tactics, their deceit, their misrepresentation, their fraud, the missing paperwork, the fraudulent mortgage asssignments, the phony made up bogus allonges, allonges made years after the trusts closed, allonges deceptively created by loan servicers, massive violations of the PSA, the endless phone calls a homeowner makes to correct the problems created by these banks and servicers, the excessive add on fees that are illegal, the excessive and illegal charges to your account(s), on and on.  The PROBLEMS were created by these banks.  Actual examples include drive by fees, inspectionn fees, maintenance fees – none of which were done – Your monthly payment doubles-triples-The Plan by these people – YOU guessed it – From the beginning, by lying to you, the homeowner, to take your property (watch for the upcoming article by this contibutor regarding Citimortgage – it’s an eye opener), they count on 90% not fighting back – Put the keys on the counter and walk away, the Banks expect this.  All of these accusations can be supported by homeowners evidence, the facts.  We have enormous overwhelming evidence of these problems, BUT YET, you hear – “Well, you’re not going to get a free house!” 

Fight back – These big banks and servicers have trillions of your tax dollars – they have schemed- they have foreclosure mill attorneys who show up in Court in threes with their black suits trying to intimidate you – Intimidation is the name of the game using their phony documents while you move out – fight back and call them on the fraud.  Don’t let them present these false documents while you uproot your family, move your children, live in tent cities with unsanitary conditions, they have lied and cheated long enough.  While you strive to survive, they are on their yachts with their money tucked away in an offshore account.  We do have Judges in this country who will stand up and uphold the law, they do not let these crooked banks get away with this but not all Judges do the right thing – Some, out of ignorance, stupidity, laziness, greed or whatever, always say “Well, you ain’t getting a free house.”  The free house goes to some servicer or bank who has fraudulently made paperwork to steal your home.  They are not the true owner or holder of your note or mortgage.  So much for the free house syndrome.  One mediator said his lawyer, got his client’s house modification after 3 years by making her modify and fighting and paying a lawyer for 3 years, amazing.  Some are fighting 10 and more for their rights.  Is the bank’s motto, put these people thru Hell long enough and they will give up or setttle for a crooked modification that starts the process all over again.

People should ask for their mortgages to be stamped satisfied when they can show the bank’s fraud.  WHY?

When you enter a transaction with a bank, what is it?  It’s a contract.  When the banks and servicers decided to have NO ethics whatsoever, when they decided to hastily bundle and pool homeowners mortgages and sell them all over the world on the secondary market over and over – when the trusts were really empty and the banks schemes never ended as you know the rest of the story that goes on.  It wasn’t the homeowner who chose not to have a conventional loan, the banks launched this fraud on the public by their never-ending greed.

BUT- It is a contract according to them and the bank breached their own contracts.  The following is a list of some but not all the problems we have encounteredx with some of these banks and servicers.  If you look – you will find massive errors- bank errors, not the homeowner.  Problems such as mortgage schedules or attachments being switched before its recorded, blank spaces left on the mortgage, blank spaces left on the mortgage which is a violation of their own closing instructions (ask for it in discovery), no parcel(s), missing parcels, parcel ID left out completely later writing in parcel numbers, appraisal contradicting what bank promised, no copy of appraisal given to homeowner which you pay for, multiple appraisals not known to homeowner, mortgage schedule being switched multiple times when a servicer assigns the mortgage after the trust closed, mortgage description switched when servicer attempts to remove MERS from your mortgage (MERS-another bank scam upon the US land title system), escrowing taxes and or insurance for parcels that go to completely different addresses, robo-signers, mortgage assignments made long after trust closes, Broken Chain of Title to your property created by these banks, The Mortgage and Note have been separated, note and mortgage bifuracated.  The United States Supreme Court made it clear over 130 years ago – you cannot separate the note and mortgage.  The United States Supreme Court trumps State Court but yet, you see the banks and the court system steamrolling over your constitutional rights.

Yet, with all these existing atrocities that a homeowner is left to clean up – the system continually and consistently sides with the banks in so many cases.  You may have heard a lawyer tell you – “Even if you do win – your title is not going to be clear” – You are left with a zombie title and the bank tries to regroup to bring the fraud on you and the court again.  The banks had no excuse for these actions.  They do this everyday and they know better.  The homeowner is the bank’s patsy – the fallguy for their malicious greed.  The homeowner takes the hit for the illegalities that the banks have launched on the American people.  The banks prey on your stupidity.  Knowledge is power and the banks and servicers have used that power to suffocate the American Public.  The settlements were a slap on the wrist – an attempt to shove it under the rug.

Who’s reaping the benefits?   Not the homeowners who have been overcharged, ignored, manipulated and have incurred outrageous insurmountable monetary damage by the bank’s actions.  If you try to justify this mess by referring to the huge settlements the banks have made, GOOGLE AND SEE what these homeowners are really receiving.  An excellent recent quick example of a class actionn suit against Washington Mutual Bank (if you are familiar at all with Wash. Mut., you will know these people were victims of the banks illegal actions).  Do you know what people received from that suit -$36.00.  Thirty-six dollars.  At least, the lawsuits bring the banks illegal actions OPEN to the public.  It’s better than doing nothing.

People in positions such as Judges, Lawyers, Mediators need to get past the childish, misguided, poor excuse of “You’re not getting a free house.”    Turn it around, if you’re the homeowner – it’s the bank, who’s getting a free house.  How many times have they sold your loan?  How many illegal fees have thet charged you?  They didn’t tell the homeowner they were going fraudulently securitze these mortgages and sell them many times destroying your chain of title.  Did they?  They led people to believe they were entering into a conventional mortgage situation but they knew better.  How many of you had a mortgage company and just days after the closing, the bank did an assignment of mortgage with pooling and servicing in your title.  How many of you, have MERS in your chain of title? And they continue to charge you illegal excessive fees.  Ocwen is famous for this – they charge to mow your yard.  Ocwen doesn’t mow your yard – You do.  You, the homeowner are mowing your yard every week in the season but you’re being charged for this.  Just one example of Ocwen which this homeowner has documented written proof of this, not to mention all the other insane charges. Drive-by inspections – maintenance fees charges – NEVER DONE.  If you call Ocwen, you are routed to a call center in India where you are waiting for long periods of time and then your call gets dropped.  By the way – Google the most recent action against Ocwen – They settled for the $2 Billion Plus so they wouldn’t have to litigate their illegal actions forever with even more publicity.

And there are always those who say, “make a settlement” – the bank takes a small amount off to do a principal reduction and you the homeowner are left in the same crooked loop you were in but at least they get you to SHUT up. ( Read the fine print, the balloon payment, the inabitlity to sell if you want to, etc.)  No homeowner gets a free house.  Your time, your money, your health is spent on these banks when they should not have put you in that position in the first place.  One bank even stated – “It’s the property we want” -Don’t worry.  AS I said earlier, read the article about Citimortgage and their counsel when it is printed.  It’s amazing!   

THANK GOD there ARE some Judges who uphold the legal rights of the homeowner and support our judicial system with integrity, justice and protect our constitutional rights.  They do not crawl under their desk and wait for foreclosure mill attorneys to run out and make phony documents when they suddenly have to proof up!