share it because I agree with most of what it says… and then some! I am going
through the same issues with my loan and the title to my home. I have MERS (the
mortgage electronic registration system) on mortgage and a "toxic
title" that is clouded as a result of having a securitized loan. I was a
title examiner and worked on closings (Lawyers Title/Land America) for four
years so I do understand title insurance and what happens at closing.
The borrower is not told that MERS is going to be involved… it just happens
that they are put on documents at closing with no explanation of who they are
and why they are there.I was in the business from 1996 to 1999 when MERS was first
being introduced to the industry. By the way, MERS is not licensed as a lender
in any state and has not acted in any capacity as lender BUT somehow they are
allowed to be listed as "mortgagee" on the mortgage and insured as
lender on the title insurance policy. This is BOGUS!
Keep in mind that the information from the email and website (below) are the
sole opinion of the author and I do not recommend the site or products offered
on the site.I thought the content and scope of the email and website was
spot on and explained quite a bit about securitization and how it causes defective
title, among other things.
I am not a lawyer and this is not legal advice. Thanks and enjoy!
[FWD: You’re home is in danger of foreclosure…]
Medium riskYou may not know this sender.Mark as safe|Mark as
Sent: Tue 12/22/09 11:31 AM
To: David Velardo (*********@gmail.com)
The Fraud Stops Here!
Millions of American are losing their homes, albeit unnecessarily, to the
biggest Ponzi Scheme ever perpetrated against the American People. Every day
illegal foreclosure actions brought about by plaintiffs (banks/MERS) that lack
standing, are prosecuted in the state courts by the filing of fraudulent
documents, documents filed with the intent of creating the illusion of legal
standing where non truly exists. Millions of homes are being dumped into the
market, the end results are depreciation in home values, a surplus of homes,
and the loss of millions of homes and jobs to foreclosure.
If you are an attorney or Realtor, You owe it to your clients to fully
understand the fraud behind the securitization process and the illegal
modification and conversion of your clients loans. These illegal modifications
and conversions occurred without consideration to the borrower and perpetrated
by intermediaries that had no authority to do so in the first place. Lets work
together to keep our neighbors in their homes, bring back home values, and in
the process, save our jobs by saving the American Dream one home at a time. If
you are a homeowner in foreclosure, time is quickly ticking away for your
opportunity to save your home, we’ll show you how to immediately stop the
foreclosure process. If you’ve already lost you’re home to a wrongful
foreclosure, we’ll show you how to get your home back together with a
considerable sum of money to go with it. Visit America’s site now, arm yourself
with the required knowledge, and lets take back the American Dream one home at
a time. Visit us at: http://www.stopthebanksters.org while there, visit and
participate in our social network that helps our neighbors that may not have
the legal knowledge to defend their homes in this foreclosure crisis.
FROM THE WEBSITE:
The Bankster Buster’s Bible explains how to shift the burden of proof to
the perpetrators of the fraud, where it belongs. If your home or property
is worth less than you borrowed, or is in foreclosure, or has already been
stolen, you are a victim of fraud and probably Civil RICO (racketeering).
If you engaged an Attorney or lack of funds forced you to fight alone, the
detailed information in this Book and our member’s database of regularly
updated information will help you and/or your Attorney to successfully defend
Banksters’ false claims. Our knowledge base contains the most recent legal
arguments, findings and decisions related to predatory lending and the
securitization mortgage fraud. Read on and you may be surprised at what you
find. Invest in the Bankster Buster’s Bible and join our movement. Welcome
Home, the Fight Starts NOW!
(EDITORS NOTE: YOU CAN ALSO LOOK UP CASES USING HTTP://SCHOLAR.GOOGLE.COM A NEW LEGAL RESEARCH TOOL CREATED BY GOOGLE!!!)
If you (and/or anyone you know) have entered into a home mortgage between the
years 2000 and 2008 you are almost certainly one of the millions of victims of
a massive, cold, calculated fraud. Your home loan documents are not even worth
the paper they were written on, yet people are being cheated out of their home
ownership every single day right across our Nation. This orchestrated scam
involving Trillions of Dollars is directly responsible for the international
financial crisis gripping America and the rest of the world. Our reasons
for publishing The Bankster Buster’s Bible go beyond individuals keeping their
homes, although that is a major objective. The shock of realizing that you are
likely to lose your home causes depression as surely as night follows
day. Our troubled minds become completely full of negatives and we
struggle to find the answer to simple, everyday questions that we had
previously taken for granted.
Therefore, to encourage the first 100 sales of THE BANKSTER BUSTER’S BIBLE we
have discounted the book to $69.97 from its regular price of $99.97. By
purchasing the book that explains how to fight back and win, you will also get
three (3) months of membership access to our large and detailed data base that
guides you step by step through the process of fighting back and winning. This
exclusive membership gives you unlimited 3 month access to literally hundreds
of consumer pleadings, response briefs, supporting documents, legal
publications, most recent court decisions and strategies related to the
foreclosure litigation arena. You also have access to investigative, research
documents and expert witness information, applicable to securitized home
mortgage loans seeking to foreclose on homesteads without proper legal standing
to do so. To top that off, you will also receive a lifetime membership to, what
has been designed to be, the most powerful public foreclosure forum enabling
experts and laymen alike to communicate and share information and personal
experiences in our daily fight against the Banksters. Come join us in the
battle to save the American Dream, one home at a time, today!
(EDITORS NOTE: YOU CAN ALSO LOOK UP THIS KIND OF
INFORMATION AT HTTP://LIVINGLIES.WORDPRESS.COM)
First, understand the bank that you believe owns your Promissory Note and
Mortgage does not own them. You will quickly learn why this means you
already own your home ‘free and clear’ and what options are open to you. If you
have been served with foreclosure papers, the bank claiming the right to take
your home or investment property away from you almost certainly does not own
it. If the bank claims to be acting on behalf of another bank or Trustee of a
Securitized Trust, it does not have a cause of action against you. If you are
already in the foreclosure process you need help and fast! As they say
‘Time is of the Essence!’ This book is designed to guide you in taking
the initial steps to halt the automatic process that will eventually lead to
your eviction. The initial steps can cost you nothing and buy you the
time you need to plan your way forward. The original loan transaction is almost
certainly fraudulent and irrespective of whether or not you are in default,
foreclosure or have already lost your home you probably have a cause of action
against whichever bank you are making your payments, or a defense against
whoever is seeking to foreclose against you.
Banks and Attorneys acting for them routinely claim to have lost Notes when
filing foreclosure lawsuits and seek co-operation of a Judge to issue a new
Note. They are lying! This is fraud! It is simple to stop these
foreclosures dead in their tracks! Consider the fact that over 40% of the
Promissory Notes collected during the period 2000-2008 have since been
deliberately destroyed by banks to conceal the truth from Wall Street investors
who thought they were purchasing secure investments. We tell you how to find
out if yours was one of them.
Over the coming year the conspiracy to defraud homeowners will be thrown to its
knees, and lenders will be called upon to prove ownership of the Note or let
the property go. Precedent setting Court Orders have already been issued in New
York, New Jersey, Michigan, Florida, Ohio and other states have already decided
in favor of the homeowners – with more following daily. You will learn
why this is important to you. It is a fact that nobody knows who legitimately
owns your Note and Mortgage and if you continue to pay the institution
demanding payments or allow them to foreclose on your property they will almost
certainly keep the money on the grounds that they do not know to whom to pay
it. It is also a fact that the bank who originally posed as your lender was
almost certainly not the real lender and the securitization process will have
made the fraudsters obscene profits on your home loan, possibly even before you
entered into the transaction.
I HAVE ALL THE CLASSIC SYMPTOMS OF "TOXIC
TITLE" ON MY LOAN. AS I MENTIONED, I PREVIOUSLY WORKED AS A TITLE EXAMINER
FOR AN AGENT OF LAWYERS TITLE. I KNOW WHAT PROPER CHAIN OF CUSTODY OF
ASSIGNMENTS AND CLOUDED TITLES LOOK LIKE. ONCE YOU UNDERSTAND HOW THE SCHEME
WORKED YOU ARE HALFWAY THERE.
THERE WERE PEOPLE IN THE MIDDLE ON WALL STREET
PERPETRATING FRAUD ON INVESTORS AND BORROWERS AT THE SAME TIME. THE OVER
APPRAISING OF HOMES AND THE VANDALIZING OF THE TITLE AND APPRAISAL INDUSTRY AND
DEREGULATION HAS ALLOWED THE SCHEME TO GROW OUT OF CONTROL.
WE NEED TO STAND UP TO THIS AND DEMAND THE TRUTH AND
THE FULL SET OF TRANSFERS AND FULL SET OF ACCOUNTING INCLUDING TARP AND DEFAULT
SWAPS ON ALL HOME LOANS. SECURITIZATION HAS CAUSED MASSIVE AMOUNTS OF PROBLEMS
AT THE BORROWERS EXPENSE.
IN CLOSING… FROM THE WEBSITE:
"Today my friend starts a great new day in America. Today starts a day of
organized strategic battle against those who have defiled the American Dream,
and those who by greed and nefarious self interest have made a mockery of it.
Today, We the People have decided to go after those who would rob rape and
pillage our beloved nation. Today, “We the People” will knock on the doors of
government and demand to know what side they will stand with; the side of self
enrichment and servitude to lobbyists, or the side that protects the future of
America against those who have pillaged our institutions and raped our society.
Today, we the 21st Century People will stand before the courts and demand to be
answered, why a branch that was established to enforce our constitution and the
laws of our great nation, now serves as an enforcer of fraud and crimes against
its citizens. Today, We the People will start our war and we will not cease
until victory belongs to The People, their children and their generations’ to