Category Archives: Bank

HUD 1270 S Lowell and well look at this. . . PNC MORTGAGE Address 3232 Newmark ,Miamisburg, OH

So HUD  Take alook,  CLOSE LOOK, at the addresses. . . . I’m just sayin. . .

I hate to SAY IT but HUD….PNC MORTGAGE  are you FREAKIN KIDDIN ME!!!!!  HELLO can you connect the DOTS here with SUITS in DENVER. . .

I am thinking MEDVED and Castle & Stawiarski would like ME very much to go away…..Sorry…Here to stay. . .   why. . .   MIDDLE CLASS  I’m just sayin. . .

UPDATE  DENVER why did all the DOCUMENTS go POOF?  Yeah HUD, they are all GONE  AMAZING~  Just like in DOUGLAS COUNTY . . . NED’s can go POOF!!!!

IT”S MAGIC. . . .  .AMAZING. . . . HUD can you HIRE some BETTER Lawyers and put them on a HORSE (Hope they can RIDE)…..in the WILD WILD WEST. . .  send them, to COLORADO and CLEAN up this MESS!!!!

CERT OF MAILING COMB NOTICE (1st)                     08/05/2008
COMBINED NOTICE (ORIGINAL)                     08/05/2008
DEED OF TRUST                     08/01/2008
DOT – NOTE CERTIFICATION                     08/01/2008
MAILING LIST                     08/12/2008
MAILING LIST                     08/12/2008
MAILING LIST                     08/01/2008
MAILING LIST ENVELOPES                     08/05/2008
NED                     08/01/2008
NED                     08/04/2008
NOTE                     08/01/2008
PT INST LETTER ALTERNATE                     08/01/2008
STATUTES (NS)                     08/05/2008
WITHDRAWAL                     08/26/2008
WITHDRAWAL                     08/26/2008
WITHDRAWAL                     08/27/2008
WITHDRAWAL                     08/27/2008

BRING IT….So Freeakin ready….

2005
2000
2000
2000
1999
1996
Record Type
Public Record
Public Record
Public Record
Public Record
Public Record
Public Record
Public Record
Public Record
Public Record
Public Record
Public Record
Public Record
Public Record
Recording Date
10/16/2009
10/16/2009
1/29/2009
10/29/2008
10/14/2008
10/13/2008
5/2/2007
3/9/2005
12/5/2000
9/27/2000
6/2/2000
11/30/1999
10/30/1996
Document Type
WARRANTY DEED
Warranty Deed
Special Warranty Deed
Re-recorded Document
Re-recorded Document
Trustee’s Deed (Certificate of Title)
Intrafamily Transfer & Dissolution – Due to dissol
Warranty Deed
Warranty Deed
Warranty Deed
Trustee’s Deed (Certificate of Title)
Quit Claim Deed
Warranty Deed
Sale Price
$185,000
$185,000
$106,200
$190,000
$166,000
$122,418
$80,000
Price Code
A
Full amount stated on Document.
Full amount stated on Document.
Non-arms length transaction.
Non-arms length transaction.
Non-arms length transaction.
Non-arms length transaction.
Full amount stated on Document.
Full Amount on Deed
Document states price as “0”, “None”, “No Consider
Non-Arms Length Transfer
Non-arms length transaction.
Full amount computed from Transfer Tax or Excise T
Buyer Name
Jessica L Tison
Raymond Allen
Hsbc Bank Usa
Hsbc Bank Usa Na
Hsbc Bank Usa
Marie A Freyta
Michael John Andre
Darcy Fowler
Project Heritage Inc
Hud
Mark W Puckett
Melanie G Neujahr
Buyer Vesting
Tenants in Severalty
Buyer ID
Individual(s)
Individual(s)
Beneficiary / Creditor – When Doc Type BD, this bu
Beneficiary / Creditor – When Doc Type BD, this bu
Beneficiary / Creditor – When Doc Type BD, this bu
Individual(s)
Individual(s)
Individual(s)
Company or Corporation
Government
Individual(s)
Seller Name
Prairie Home Solutions Llc
Hsbc Bank Usa
Michael John Andre
Michael John Andre
Michael John Andre
Marie A Freyta,  Estate Of Michael Andre
Darcy Fowler
Project Heritage Inc
Hud
Neujahr, Melanie G
Neujahr, Melanie G
Neujahr Geraldine J
Seller ID
Company or Corporation
Trustee, or Conservator
Trustor/Debtor (Borrower in Default/Foreclosure on
Trustor/Debtor (Borrower in Default/Foreclosure on
Trustor/Debtor (Borrower in Default/Foreclosure on
Personal Representative (Attorney in Fact/Power of
Company or Corporation
Government
Seller is owner on current Assessment File
Seller is owner on current Assessment File
Seller is owner on current Assessment File
Loan Amount
$181,649
$152,000
$132,800
$81,146
Loan Amount (2nd TD)
$43,000
Loan Type
FHA
New Conventional
Type of Financing
Interest Rate
1%
11%
Due Date
11/1/2039
3/1/2035
12/1/2030
Lender Name
Universal Lending Corp
Americas Wholesale Lender
Long Beach Mtg Company
Union Bank & Trust
City Transfer Tax
County Transfer Tax
Total Transfer Tax
$18
$11
$19
$17
$8
Buyer Mailing Address
1270 S Lowell Blvd<br> Denver CO 80219-3842
7363 W Grant Ranch Blvd APT         2823<br> Littleton CO 80123-2658
3232 Newmark Dr<br> Miamisburg OH 45342-5421
3232 Newmark Dr<br> Miamisburg OH 45342-5421
3232 Newmark Dr<br> Miamisburg OH 45342-5421
258 S Monroe St<br> Denver CO 80209-3009
258 S Monroe St<br> Denver CO 80209-3009
1270 S Lowell Blvd<br> Denver CO 80219-3842
6090 Smith Rd<br> Denver CO 80216-4630
1405 Curtis St<br> Denver CO 80202-2349
1270 S Lowell Blvd<br> Denver CO 80219-3842
1270 S Lowell Blvd<br> Denver CO 80219-3842
Buyer Care Of Name
Document #
9137505
2009137505
2009010657
2008148208
2008140556
2008139665
2007069570
2005040976
2000176508
2000140396
2000077114
9900201151
9600150183
Recorder’s Book #
Recorder’s Page #
Contract Date
10/14/2009
11/24/2008
10/29/2008
10/13/2008
10/13/2008
4/20/2007
3/4/2005
9/14/2000
6/2/2000
11/29/1999
10/25/1996
Partial Interest Transferred
Mortgage Document #
2009137506
2005040977
2000176509
Fixed/Step
F
Adjustable Rate Rider
Y
Adjustable Rate Index
LIBOR
LIBOR
Interest Only Period
Rate Change Frequency
M
S
Fixed to Adj. Rate Rider First Change Date
Change Index
2.97%
5.75%
Max Interest Rate on First Change Date
Min Interest Rate on First Change Date
Max Interest Rate
Prepayment Rider
Prepayment Penalty Rider (Term)
Cash Purchase
Inter-family Transfer
Yes
Construction Loan
Equity Credit Line
Stand Alone Refinance
Title Company Name
Vista Title Llc
None Available
None Available
None Available
None Available
None Available
Fahtco

Leave a comment

Filed under Bank, PNC BANK

HUD…how do you “COOK” the books in MERS INC . . . in Douglas County?

So Hud…..I got to thinkin……How can you “COOK” the books in Douglas County?  Or can you even?  See…. that got me thinkin…..you know HUD…I like to do that…..cause well . . . I’m a thinker.. . .

Remember we were talking about 8736 Starwood, Parker,CO. . . if not go back and look on this  blog to refresh your memory.

See when I confronted the Public Trustee and Mr. Husson about where’s the NED and how could it go POOF?  Both men told me….this System is bullet proof.  They didn’t remember me talkiing to them about Starwood, and well quite frankly a NED could not go away?

Hummm….. well, I had the Paperwork….I printed it out…..but I could not FIND it anymore on the Douglas County PublicTrustees web site.  HUD, you see that was a problem….cause I wanted to know HOW it could be done….not that these MEN did anything……

9 From HADWIN JEFFRY T CENDANT MOBILITY FINANCIAL CORP 9/28/2005 WARRANTY DEED OPR 2005092720 56 COTTONWOOD 11
10 To HADWIN JEFFRY T WELLS FARGO BANK 10/31/2005 RELEASE OF DEED OF TRUST OPR 2005104418
11 To HADWIN JEFFRY T CITIMORTGAGE INC 11/7/2005 RELEASE OF DEED OF TRUST OPR 2005107240
12 From HADWIN RACHELLE L FKA CENDANT MOBILITY FINANCIAL CORP 9/28/2005 WARRANTY DEED OPR 2005092720 56 COTTONWOOD

So here is what got me thinkin. . .  You see the NUMBER 2005092720 is IMPORTANT HUD…..because why you say?  Well I’ll tell you HUD, see it’s the only NUMBER on this system that well has 2 entries.

OH YEAH HUD….see when you try and cover up something….well you have to make sure you “cover” all the records… and WELL don’t “PISS” me off either cause I’m like a Dog that takes a BITE and wil not let go. . .

So by this entry, I figured that you can add two   documents to one number….BINGO  enter your children MERS INC.

MERS INC Duplicates. . . NICE. . .   Click on link

 

AFFIDAVIT Castle Stawiarski LLC  Now HUD, I’m not saying that these Fellows DID ANYTHING….. I’m just showing you that out of all the 567 pages, well there’s . . .  is the only one that has an AFFIDAVIT in here….I’m just sayin. . . .

MERS 1-15pg  click on the link

MERS 151-165 pg  Click on the link

MERS 286-300pg  Click on link

MERS 451-465pgs  Click on link

So HUD if you have 2 items in the Same Instrument Number…well in therory I guess you could change something if you wanted to?  Anyway….thought you MIGHT want to LOOK into that a BIT…..Still liking MERS and what the BANKSTERS have DONE???????

Colorado Non judicial system……still THINK  MERS is legit?

To ALL the LAWYERS helping MY NEIGHBORS….this is a gift to you and THANK YOU!  To all the STRAGHT Policeman,Judges, HUD employees…..I want to THANK YOU!!!!

YEAH BRING IT !!!! I’m ready and  THUGS….it will not MATTER  Cause this informaton it OUT OF THE BAG  so speak. . . . Attorney General and Governer Hickenlooper  have at it!!!!!!

Cause I am “PUSHING BACK”. . .   BRING IT. . . MIDDLE CLASS and LOVING IT!

Leave a comment

Filed under Bank, Denver post, HUD

Let’s talk . . . . Supplemental Deeds of Trust. . . Shall we

HUD, Supplemental Deeds of Trust are what Project Heritage used for 2000-2003.  Than they changed in about 2003-2004 pursuant to CRS 38-39-102(3.5)  is the Request for release of Deed of Trust (without production of evidence of DEBT).

http://www.state.co.us/gov_dir/leg_dir/olls/s12008a/sl_165.htm  Click on link

House bill  08-1195 addresses this “ISSUE” on April 21,2008  a little after the fact!

What does this mean HUD you are asking.. . good question.

Release of DEED of TRUST-Douglas County  click on link 

You see HUD on my house they used a Verification indemnification agreement, since they lost the 1 million dollar note.  Later on, the just used the Request for release of Deed of Trust without production of evidence.  Now these here in Douglas county refer to Notes and Deeds of Trust in Arapahoe County.  Specifically A9166928  and B0017150.

A9166928 Arapahoe County  click on link  LOAN 165083-001

A9166929 Arapahoe County  Click on link

Yeah, these are all in Arapahoe County not Douglas County like indicated in Clerk and Recorder. 

B0017150 Arapahoe County  Click on link  LOAN 165083-002

B0017151 Arapahoe County  Click on link

Well, HUD, Not seeing Douglas County in these either as indicated?

  • 8736 Starwood lane
  • 1367 Carlyle Park Cir
  • 10501 Berthoud  Has a Loan of 0165083-098
  • 1098 N tabor Drive
  • 930 Quarterhorse  NO loan #
  • 10870 Mount Bross Way
  • 17667 Ponderosa Lane

Maybe Miles Stephens, Vice President at Compass Bank aka Megabank would know?  http://www.nytimes.com/1999/11/06/business/company-news-compass-bancshares-to-acquire-megabank-financial.html?ref+compa click on link 

Interesting to say the least No?  Wonder what happens to those NOTES if they are Bearer Bonds….untraceable?  Just wondering HUD. . .

Leave a comment

Filed under Bank, Gospel of Prosperity, HUD

Justice for Colorado HOMEOWNERS. . .

I began this BLOG on May 26,2012.  My intention was, and always has been, for Justice!                  31 days ago

The meaning of Justice, in my mind, is a CONCEPT of moral rightness based on ethics,rationality,law,natural law,or equity.

The Meaning of Law, in my mind, is in general, a rule of being or conduct, established by an authority able to enforce its will; a controlling regulation; how we as a society behave, according to what we ALL AGREE is Just.

Each term can be seen differently, each word has many meanings,but these are MY BELIEFS and how I conduct myself in this world.

This BLOG was titled RULE120 because I believe that is the LAST RESORT a homeowner has in COLORADO ( RULE120 Hearing).  It’s the ONLY place I am aware that a Homeowner can stand up for their “rights” against a lender.  There is NO PLACE else a Homeowner has, to share with a JUDGE, UNCLEAN hands of their Lender. Unless they file a law suit, and let’s be honest, a homeowner UNDER distress does not have the resources, normally, to address their LENDER in a lawsuit.

I will be the first to admit this is a MESS. I could blame a ton of folks but that is NOT my intent.  Most middle class folks have a home that is their BIGGEST investment.  Think about that for a moment.  A Home is where memories are made,money is spent,children are raised,neighborhoods  are built, kids should be SAFE,etc.  I believe that JUSTICE must and should be with a HOMEOWNER, not a lawyer,not a collection agency,not the government, and certainly not a LENDER.

I am not perfect, and my some of my co workers will say NEVER innocent.  I have tried to PROTECT the rights of people blogging,writing articles,etc by telling their stories,using their names, giving credit to the ARTIST’s who’s cartoons I believe reflect the here and now!  I am trying to “paint” a picture using PUBLIC RECORDS and hoping not to step on any COUNTY toes with Copyright laws.

I do however want to “STOMP” on injustice,fraud, wrong doing, law breakers,ethic violators,etc.  It’s a fine line…..a balancing act… but that is my INTENT with this BLOG.

I am in the FIRST and ONLY house I have ever purchased through a LENDER.  I was a FIRST time home buyer, qualified through a LOW INCOME program, and BELIEVED that the Government would protect me with a FHA LOAN.  I was not a REALTOR yet, Real Estate was not my chosen field in College, neither was LAW.

I have a bachelor’s degree from ISU and a Master’s Degree from UNC.  I put myself through College since I lost my Adopted parents by the age of 12.  I volunteered through search and rescue in Summit County, and have always found a way to give back to my community, never in the “conventional” sense.

I believe that the MIDDLE class, has STRONG values, but a weak voice.  I am SHOUTING, at the top of my LUNGS, for someone, ANYONE, to LISTEN….Step up….be a MAN HERE…. and protect the Homeowners who can not.  LET a RULE120, operate as it SHOULD, a place where a HOMEOWNER can show the court UNCLEAN HANDS in Colorado.

Collection Lawyers, who know or should know, they are representing a LENDER who has NO LEGAL right to take their equity home MUST have to FOLLOW that LAW. 

A LENDER who doesn’t control the NOTE or DEED of trust doesn’t have legal standing to INITIATE a foreclosure.  PERIOD, end of story. 

Colorado Law tries to address this issue by requiring those INITIATING a foreclosure to CERTIFY they are the “qualified holder” of the note and deed of trust.  There is a CHALLENGE here in that the certificates also contain a clause that the qualified holder will indemnify other parties if they are mistaken and the real owner shows up wanting the property.  NOT GOOD ENOUGH!

I have proven, in a court of LAW, that my lender, and their Lawyers do NOT have legal standing to foreclose.  But where does that leave me?  NO WHERE.

In what WORLD is that OK?  I have tried VERY HARD to work the SYSTEM, showing that a homeowner has NO RIGHTS, even if they PROVE in a COURT of LAW their Lender and Collection Lawyers have no legal standing to foreclose.

I have FILED COMPLAINTS, everywhere,OCC,SEC, HUD red ticket,DCHP counseling,The ATTORNEY GENERAL’s office, STOP FRAUD, state banks,etc.  Trust me, if there was a PLACE  that I found where I could file a COMPLAINT I did.

Dear Attorney Regulation Counsel  click on link

I even filed a FORMAL complaint with the Attorney Regulation Counsel here in Denver on June 21,2012.  I wanted these Lawyers, MEDVED and LCS financial to know that their behavior is UNETHICAL.  It was a complaint that I did not take lightly, but an indemnification clause at a RULE120 hearing is NOT OK.  You don’t get to VIOLATE my rights, even if the LAWs you have written to protect yourselves are in place in a rule120 hearing.  I want to be heard in your LICENSING BOARD, that what you are doing is UNETHICAL according to the OATH you took after a grueling bar exam.

Just a side NOTE, I became a REALTOR, after realizing what was done in a program designed for LOW INCOME folks, like me.  I wanted to be a VOICE, to be heard, to protect the AMERICAN DREAM.  This BLOG in my attempt to do just that! 

I am mindful of copyright’s and am doing my best to ensure those rights, of folks are protected in my blog, but that THEIR VOICES are being heard as well.  My computer doesn’t have the ability to directly link back to their articles,published blogs,etc.  So I have mentioned their NAMES, and noted to “google” where you can find them, when I can.  Thank you mostly to the BRAVE Author’s who have taken the time to write, share what they have found, to the Lawyers who are protecting my neighbor’s homes,etc.  The Artist’s who’s cartoons I have shared!  THANK YOU!

 

Leave a comment

Filed under Bank, Denver post, HUD, Rule 120

DOUGLAS COUNTY ONCORE LPS Aptitude

HUD, it seems that my County assessor’s decided that ONCORE, LPS Aptitude would be a “GOOD” solution.

So Douglas County , Colorado Clerk and Recorder selects Aptitude Solutions for Recording and Indexing Platform which is ONCORE solution chosen to handle high volume property recordings.

LPS (Lender Processing Services, Inc LPS) is a leading provider of integrated technology and services to the MORTGAGE INDUSTRY.

HUD the KEY word here is Services to MORTGAGE INDUSTRY! I ask you HUD, is my public trustee still impartial?  I am not thinking so!  They are working for the MORTGAGE INDUSTRY now employed by the Governor, is tax payer monies.  Really. . . .

DOCX has a Price list out for these  Lenders.  Yes HUD a Freakin Price list for costs associated with MY MORTGAGE.  There is a copy of this price list on 4closureFraud “posted lender processing Services Mortgage Document Fabrication Sheet.”

How’s that work HUD?  Well DOCX has  a service for missing recordable documents through there web site DOCX   GETNET.

http://www.scribd.com/doc/38591053/Lender-Processing-DOCX-Document-Frabication-Price-Sheet  Click on link

So well for my House PNC BANK had to pay for

  • Create note Alloge   $12.95 +SH
  • FHA Mortgage Insurance submission  $95.00 +TPC
  • Obtain property address $5.50 +SH
  • Obtsain recorded Mortgage,Book,Page, or Instr.  $12.95 TPC
  • Obtain Copy of Loan Modification   $15.95 +TPC
  • Correct Title Policy endorcement  $15.95 TPC

and that’s just so far.  NOW they have a problem because they EXPOSED a BEARER BOND from M and T mortgage out of NEW YORK which indicated that it was the current MORTGAGE and DEED OF TRUST.

OOPS.  Not really since 2002 was National City Mortgage.  HOWEVER, M and T Mortgage is still out there in the pooling servicing world and when they paid for these services, well it gave them documents realted to 2001 when I purchased my house. . .

So did M&T Mortgage originate this FRAUD with Project Heritage?. . .  well it’s looking like YES they did!  HUD…..you would have been out alot of dollars here with this game your “CHILDREN” are playing.

And enter. . . . CORELOGIC. . . ta dah!  Oh HUD it’s getting better every day!

BRING IT!!!!       cause that’s how the MIDDLE CLASS rolls!

Leave a comment

Filed under Bank, Gospel of Prosperity, HUD, M & T Mortgage, PNC BANK

SEC applies one two PUNCH help For QUIET TITLE

HOUSE 1 bank 0

“Newscast Media WASHINGTON, D.C.—The Securities and Exchange Commission has charged UBS Financial Services Inc. of Puerto Rico and two executives with making misleading statements to investors and concealing material information regarding securities. However, this approach is very unique that the SEC is taking. It bypasses the courts by the use Administrative Procedure Act, and directly charges the banks and executives involved with securities fraud, and even imposes a fine.

Take that BANKSTERS!

This is very powerful because the majority of judges in federal courts do not understand securities; attorneys also do not know how to defend such cases because they do not learn about securities laws in law school, so rather than risk losing a case based on a technicality or a judge’s unwillingness to address fraud committed by banks, the SEC is charging them directly and writing orders very much like a judge would do. This out-of-court approach will help investors and beneficiaries of fraudulently created trusts resolve cases in which mortgage-backed securities are involved.

Just like a judge can issue an injunction, the SEC’s version is to issue a cease and desist from violating the Securities Act of 1933. Which means if a bank defraud investors in regard to the existence of Trusts that don’t exist, and they bring it to the awareness of the SEC rather than the courts, they can receive relief for the fraud. Homeowners whose mortgages were put in defunct trusts secured by their deeds of trusts, benefit from such an order because it prohibits the banks and their agents from ever receiving any financial gain relating to such trusts. This way, homeowners are quietly winning injunctions against the big banks, without having to deal with the courts or when ruled against by the courts.

In this particular case of UBS in PR, the SEC used the Administrative Procedure to resolve the case. Here is exactly what the SEC said in its order:

In view of the foregoing, the Commission deems it appropriate and in the public interest to impose the sanctions agreed to in UBS PR’s Offer.” by Joseph Earnest

DETAILS Google SEC applies Admin. Procedure as one-two punch to UBS bank fraud Bring it  cause that is how the MIDDLECLASS ROLLS. . . .

http://newsmedia.com/blog/2012/05/04/sec-applies-admin-procedure-as-one-two-punch-to-ubs-bank-fraud/  click on link

 

Leave a comment

Filed under Bank, OLD republic Insured Credit, ONE M & T New York, PNC BANK

PNC BANK “We Don’t do FRAUD”….ugh yeah you DO!

HUD, when you talk to your “CHILDREN” and you are handing them MONIES (ie TARP FUNDS, or INCENTIVES for loan Modification through FHA, or when you make them WHOLE by paying them after a foreclosure because the HOUSE was insured)….well you MIGHT want to teach them HOW TO LIE better in court!

I’m just saying. . .when for example PNC BANK, is wanting to foreclose on someone… you may want to tell them or their LAWYERS (ie MEDVED) that the evidence they bring before a JUDGE is “supposed to support their LIES” not prove the DEFENDANT CORRECT?

petitioner’s exhibit 2 click on link.

Well this Petitioner’s Exhibit 2 for example.  HUD when a Plaintiff (A plaintiff (Π in legal shorthand), also known as a claimant or complainant, is the term used in some jurisdictions for the party who initiates a lawsuit ) brings evidence into a court room and they are initiating the lawsuit, well proof of a LOAN MODIFICATION would be rather like saying, the DEFENDANT is Correct your HONOR!

On page 3 of Exhibit 2 was presented to the Honorable Judge Paul King during my Rule120 hearing.  That pg 3 clearly shows that on 9/14/2010 there was an ADJUSTMENT of $10,720.93  and my loan went from $140,283.01  to $151,003.94.  Now HUD, I may not be the BEST math student, in fact when I received my Master’s Degree it was in Public Administration (UNC).  Did you know that?  Yes HUD, I happen to be an Educated HOMEOWNER!

US dept of HUD Washington DC  Click on Link

HUD, I thought I would provide you with the policy and procedures for FHA modifications, so you can “discipline your child, PNC BANK”.

  • Lender must ensure first-lien status of the modified mortgage.  In satisfying this requirement, the lender must comply with any applicable state or federal laws and regulations.  I’m just sayin. . . .
  • The Lender is responsible for ensuring that the modification documentation preserves the first lien status of the FHA INSURED LOAN.  (it looks like  they tried to do this by putting OLD REPUBLIC INSURANCE 2nd lien, on the BACK SIDE of the mortgage adding 9 years to the life of my loan.)
  • Allowable provisions,fixed rate loan,fully reinstate the loan,FORECLOSURE costs,LATE FEES,and other admin expenses may not be CAITALIZED, they can get monies in a the form of a repayment plan lump sum,etc SEPERATE from and subordinate to, the modification agreement.

Well hud, those are the Biggest VIOLATIONs from PNC in summary form but there are more.  I’m just sayin. . .

PNC LETTER MAY 10,2012  click on link

HUD here’s the FRAUD, well a portion of it anyways. . . . PNC Letter Dated May 10,2012  Said, yes in fact there was a Loan Modification, Aug 27,2010 approved (lawyer’s exhibit 2)  But OOPS well PNC didn’t really approve that LOAN MODIFCATION, “they were unable to approve loan modification Jan 2012”.

HUD is that like the BANK asking for a DO-OVER?  You know how children play games and ask for a “DO-over”?

HUD I am trying to keep a SENSE of HUMOR here but this is VERY STRESSFUL!  Could you please make an ARREST and put  PNC BANK BEHIND BARS!

The Bank is not above the LAW.  When does a HOMEOWNER EVER get a DO-OVER?  NEVER, they loose their home,etc.  WAKE UP!

UPDATE JUNE 16,2012  got another  LETTER from PNC letting me know that YES, they are gathering information.  Well it sure is taking you along to to figure out how to AVOID FRAUD charges!  Still freakin waiting!

pnc letter june 11,2012

UPDATE:  YES HUD It’s July 25,2012…I have not recieved Much   further news  from ALL the agencies I have contacted. The State of Alabama did respond and that was helpful about BBVA and COMPASS bank. . . . The Attorney General is reviewing 3 counties foreclosure files and The Govenor has asked for 9 Public Trustees to resign….that’s about it.

BRING it!    I am SOOOOOO very READY!  BRING IT !!!!!!!!!!!!!!!

Leave a comment

Filed under Bank, Compass Bank/ Old Republic, Denver post, HUD, LSC debt collector in DENVER, PNC BANK

VIOLATION of PERMANENT INJUNCTION

So HUD, aren’t you getting tired?  I sure am!  I have been trying for 3 years to have a Lien for $15,000 removed from my Title that has been recorded in Douglas County Clerk and Recorder.

Do BANKS think they are ABOVE the LAW?  HUD, why is it that I must follow the LAW but BANKS DO NOT have to?

McClure V Bank Of America  Adv NO 08-4000  (bankr.ND Tex 11/23/09)  CASE 0743036(DML)

Violation of Permanent Injunction is a SERIOUS matter with Judges and the United States of America Bankruptcy Court.  GOOD TO   KNOW!  Well HUD, YES Compass bank,BBVA Compass, Old Republic Insurance and OH YES LCS financial are all in VIOLATION of SEC 5249(a)(2) and (3) of the bankruptcy Code ,it operates as an INJUNCTION against an “ACT” to collect a debt as personal liability of the debtor.

“If you buy goods using a VISA or MASTERCARD credit provided by a lender other than the Seller you get FREE and CLEAR title to the goods even if you discharge your liability on the credit card Free and CLEAR of any security interest in favor of the SELLER.”

VISA  clink on link

DEED OF TRUST ASS  Clink on link

So HUD, the McClures won over $152,500.00 and attorney fees for this case.  I could take Compass Bank, BBVA Compass, Old Republic, and LCS Collections to Court because they are ALL CLEARLY in violation of my RIGHTS. . . . but instead…..I am trying to make a POINT HERE HUD….HOMEOWNERS in DISTRESS are not deadbeats.  I could go to court, most likely WIN and have money in my pocket. 

LCS FINANCIAL mar 2012  Click on Link

Is LEO C. Stawiarski JR. esq  Oh I see he’s a LAWYER “of Counsel” of Castle Stawiarski,LLC.  HUD Castle Stawiarski is the “POWERFUL” Foreclosing group here is Castle Rock, they do over 1/2 of all foreclosures in my town.  Plus in this BLOG you can read about the “MONIES” they give the the PUBLIC TRUSTEE, who is impartial by the way, and well they are OWNERS in the Computer software system that they use.

Leo C. Stawiarski, Jr.

LinkedIn
 
 
Of Counsel
Denver, CO U.S.A.

HUD I would think,that a LAWYER like Stawiarski would KNOW the law?  Than why can LCS financial be “allowed” to VIOLATE my PERMANENT INJUNCTION for 3 years?

I have instead FILED COMPLAINTS all over the Freaking place (regulator agencies for banks,etc.)  In hopes that SOMEONE will listen.  I will wave my rights to prosecute to the fullest extent of the law in return for them to remove BOTH LIENS on my property. 

Yup,  CHEAPER for them to do so.  Clearly they are in violation, with a CASE recently won and making a STATEMENT, which of course I WOULD LOVE to do.

We shall see if my efforts will work or I will have to take them to court HUD!  That’s a SERIOUS VIOLATION by the WAY!!

BRING IT! . . . cause that is how the MIDDLE CLASS roles!

Leave a comment

Filed under Bank, Compass Bank/ Old Republic, LSC debt collector in DENVER, OLD republic Insured Credit

PNC….rather Foreclose than take PAYMENT?

HUD what is really Interesting. . . is that with all my Communications with PNC (your KID) there is always a DIFFERENT code in the letters.

Well take for instance this Letter on Jan 17,2012 it is referring to my Jan 1,2012 LOAN payment.

PNC return CHECK click on link

On this Letter, there is a CODE PS640 009 VCA   and on the rest there are different codes?  HUD what do those codes mean?

Just wondering. . . .

Oh and the Letter, Yeah that was my Jan 1,2012 loan payment for $1,700.oo  it was Done electrically, so PNC had to send it back to me in a check form then….. so well ….they wanted to FORECLOSE instead I guess. . .  .

feb 28,20-12 $38,963.21  click on link

On this LETTER, just a few days after my mortgage check was returned, is LM021 022 SAY  HUD those must be SOME LAWYERS if they get paid $29,993.54 for a Loan foreclosure?  Seriously. . . Those Attorney Fees and Costs seem rather HIGH don’t you think?

HUD on  the Letter Dated Jan 17,2012 when PNC returned my Jan 1st mortgage payment (which was NOT A LOAN MODIFCATION PAYMENT) just for the record, they did say. . .

“Please keep in mind that any incurred expenses for legal consultation,property inspections,property maintenance that are permitted under the terms of your note,security instrument, and applicable state and federal law are your responsibility.”

HUD So the state of COLORADO and the FEDERAL government said it’s ok for PNC (your kid) to charge me $29,993.54?  Really?

AND the total due is $38,963.21 to be paid by 3/1/2014    Now HUD I know MATH can be cumbersome, but seriously  a BANK should have correct figures…..DON’T YOU THINK?

Last Question for the DAY HUD. . . WHY is my May 10,2012 letter from  PNC DAYTON, OHIO and my Jan and Feb 2012  Letter from PNC Miamisburg, OH?  Just wondering. . . . 

UPDATE FROM PNC  YESTERDAY (June 12,2012)  No Suprise from PNC.  The Letter says, “We continue to gather information and research our records in order to accurately respond to the inquiry.  We expect to contract you in writing with the results by JUNE 20,2012

pnc letter june 7  Click on Link

HUmmmm again with the waiting, well June 20,2012 is 30days since I filed a COMPLIANT with OCC.

BRING IT!!!! cause that’s how the MIDDLE CLASS roles. . .

Leave a comment

Filed under Bank, HUD, PNC BANK, Rule 120