API tools faq
paste
iustus_unus

Foreclose on the Banks

iustus_unus
Apr 7th, 2012
189
0
Never
Add comment
Not a member of Pastebin yet? Sign Up, it unlocks many cool features!
text 4.26 KB | None | 0 0
raw download clone embed print report
  1. I don't know about you, but i think the best way to put the banks on notice AND to help your community, is by stopping the foreclosure scam on a mass-level.
  2.  
  3. I have recently submitted paperwork to JPMorganChase requesting that they prove that they have the rightful ownership of our mortgage, and to show that they have the legal rights to collect on it.
  4.  
  5. The mortgage trust deed is held by MERS, and was transferred 6+ times (as part of the banks trading MBS's).
  6.  
  7. When we first approached JPMorganChase about getting a loan modification several years back, we were told that the only way that they could help us, is by us going several months late on the mortgage.
  8. Turns out, the Banks told a ton of other people the same thing, and, as it stands, the Banks ended up foreclosing on a large number of people who were simply doing exactly as they were instructed to do, BY THE BANKS!!!
  9. If you don't see a problem with this, well, then I can't help you.
  10.  
  11. Might also want to consider applying local and state foreclosure statutes.
  12. Oregon foreclosure laws: http://www.foreclosure.com/statelaw_OR.html
  13. If you live in another state, simply swap out "OR" in the link, with your states two-letter abbreviation.
  14.  
  15. If you want to share this with people who are being foreclosed on, you can access foreclosure filing & notice of default information at your local county recorders office, as well as get homeowner information such as name, address, etc.
  16.  
  17. -----------------------------------------------------------------
  18.  
  19. Here is my Qualified Written Request. Use/share at your disposal.
  20.  
  21. ---------------
  22.  
  23.  
  24. Qualified Written Request under the Mortgage Servicing Act of RESPA and Request for Information Related to the Owner and Holder of Note under the Truth in Lending Act.
  25.  
  26.  
  27.  
  28. In the Matter of:
  29.  
  30. (your name)
  31.  
  32. (your address)
  33.  
  34. (your city/state/zip)
  35.  
  36. SSN:
  37.  
  38. Loan Number:
  39.  
  40.  
  41.  
  42. Dear Sir or Madam:
  43.  
  44.  
  45.  
  46. Please treat this letter as a “qualified written request” under the Federal Service Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 (e).
  47.  
  48.  
  49.  
  50. Specifically, I am requesting the following information:
  51.  
  52.  
  53. 1. A complete and original life of loan transaction history prepared by the Servicer from its own records using its own system and default servicing personnel.
  54.  
  55. 2. A copy of your Key Loan Transaction history, or XLS spreadsheet of all accounts associated with this mortgage loan (this would include both recoverable and non-recoverable, and restricted and non-restricted accounts).
  56.  
  57. 3. The Transaction Codes.
  58.  
  59. 4. The Code definitions in plain English.
  60.  
  61. 5. Please attach a copy of the MERS Milestone Reports and MIN Reports.
  62.  
  63. 6. Please identify the full name, address and telephone number of the current holder of the original mortgage note including the name, address, and phone number of any Trustee under the Trust or other fiduciary. This request is being made pursuant to Section 1641 (f) (2) of the Truth in Lending Act, which requires the servicer to identify the holder of the debt.
  64.  
  65. 7. Copies of all collection notes, collection records, communication files or any other form of recorded data with respect to any communications between you and the debtor.
  66.  
  67. 8. Copies of all written or recorded communications between you and any non-lawyer third parties regarding this mortgage (including but not limited to LPS Desktop communiques, NewTrak communications, NewInvoice transmittals, NewImage transmittals, electronic communications by email or otherwise, collection notes, and any other form of written or electronic document related to the servicing of or ownership of this loan).
  68.  
  69. 9. All P-309 screen shots of the history of all of the accounts (principal, interest, escrow, late charges, legal fees, property inspection fees, broker price opinion fees, statutory expense fees, miscellaneous fees, corporate advance fees, etc.) associated with this loan.
  70.  
  71. 10. In accordance with Section 131(f) of the Truth in Lending Act, 15 U.S.C. Section 1641(f), please provide me with the full legal name, street and mailing address, and telephone number of the true owner and holder of the promissory Note signed by myself, (insert name here), and secured by the deed of trust in my mortgage loan referenced above.
  72.  
  73.  
  74.  
  75. With regards,
  76.  
  77.  
  78.  
  79.  
  80.  
  81. (your name)
Add Comment
Please, Sign In to add comment
Public Pastes
We use cookies for various purposes including analytics. By continuing to use Pastebin, you agree to our use of cookies as described in the Cookies Policy.  OK, I Understand
Not a member of Pastebin yet?
Sign Up, it unlocks many cool features!