My favorite people my so called fake lenders or fake owners of the deed and note. Well, they violated the Revised HOME ACT that Pres. Obama signed in 2009 SEVERAL TIMES. This is just 2 years old revised law. Lenders should notify the homeowner when they transfer, convey, assign or sell the loan. They have 15 days to do this. These fraudsters just continued to ignore the law. They transfer, assigned and sold my loan without notifying me, to them I do not exist. We have so much laws written and to the fraudster they are just there to be read but not to be applied. If these laws are applied properly and not being broken under our nose, America will not be in this bad situation . It is time for the laws to shine and these fraudsters be given a lesson.
Lesson for today: Homes Act of 2009
Previously, loan servicers were required to provide notice only when the servicing rights on a loan was transfered. But servicing rights are different from ownership. The companies that most Americans send their mortgage payments to are mortgage servicing companies and, in most instances, are not the companies that actually own the loan. The servicing companies are hired to service the mortgage on behalf of the true mortgage holder. The holder of the loans are often investment companies and trusts. Prior the new law, it was difficult for borrowers to find out who owned their mortgage. In fact, in many cases, servicing companies will refuse to provide this information.
As part of the Helping Families Save Their Homes Act of 2009 Congress amended Section 131 of the Truth in Lending Act (15 USC § 1641)(“TILA”) to include a new provision (Section 131(g)) that requires the assignee of a mortgage loan to notify a consumer borrower that his loan has been transferred. This notice requirement became effective immediately upon the President’s signature on May 19, 2009. The notice must include the name, address and phone number of the new owner, the date of the transfer and other contact information.
While these requirements might seem to require only basic information which should be readily available to a mortgage company, this information is routinely kept from the borrower. This is the case even with the servicers themselves take assignment of loans, which often happens prior to a foreclosure. In such cases, an assignment is given to the servicer of the mortgage and note several weeks prior to a foreclosure so that the servicer can foreclose in its own name. The suits recently filed by the firm address the systematic failure to provide these required notices after such assignment occur. The suits seek statutory damages provided under TILA which can be as much as $4,000 per violation.
blog again soon.
This is me lorina.
Wednesday, August 24, 2011
Sunday, August 21, 2011
WAMU and CHASE banks are the U.S educated crooks.
I would like to share my comment on the site were Judge Gonzales of California is absolutely right, WAMU was very immoral bank as well as its partner in crime CHASE. These banks violated the laws for several years now. They are shameless, they can make a defenseless family man homeless.
I have a friend who failed to pay his mortgage because he lost his job and he got very sick. When he got ready to work and found a job, he asked WAMU to help him and let him do loan modification. His only loan was his mortgage no other credit cards or debts to pay. His second mortgage immediately modified him because he is very qualified. WAMU gave him a hard time, then told him that they will not sell his house. Finally WAMU gave him his first mortgage payment coupon. After few days a realtor came to his house and told him to vacate the house because the house was sold and if he will not leave the house he will have a hard time to find a place to rent for his family. He will be reported to the credit companies. This was a direct intimidation. He called WAMU and WAMU told him not to leave the house and NOT to listen to the people who bought the house. The buyer who bought the house came and asked him to leave or he will get evicted. My friend was very worried where to take his 2 babies and worried about his wife who got mentally sick because she was not able to handle the stress. He called WAMU again and now became CHASE, and CHASE bank told him that they do not have his loan and he is legally foreclosed and they can not help him. These white collar criminals must be stopped.
I have a friend who failed to pay his mortgage because he lost his job and he got very sick. When he got ready to work and found a job, he asked WAMU to help him and let him do loan modification. His only loan was his mortgage no other credit cards or debts to pay. His second mortgage immediately modified him because he is very qualified. WAMU gave him a hard time, then told him that they will not sell his house. Finally WAMU gave him his first mortgage payment coupon. After few days a realtor came to his house and told him to vacate the house because the house was sold and if he will not leave the house he will have a hard time to find a place to rent for his family. He will be reported to the credit companies. This was a direct intimidation. He called WAMU and WAMU told him not to leave the house and NOT to listen to the people who bought the house. The buyer who bought the house came and asked him to leave or he will get evicted. My friend was very worried where to take his 2 babies and worried about his wife who got mentally sick because she was not able to handle the stress. He called WAMU again and now became CHASE, and CHASE bank told him that they do not have his loan and he is legally foreclosed and they can not help him. These white collar criminals must be stopped.
Monday, August 8, 2011
My little old ladies with dementia.
This is my job TAKING CARE OF ELDERLY and PEOPLE WITH DISABILITY. It is stressful and I can not get hardly a vacation but I love what I do. My elderly are part of my family, they are like my little children. My daughters are teenage girls now and I am free on giving them a bath or feeding them. And now caring for 80 years old and above little elderly ladies with dementia is like I am back having a little baby. YES. it is just like having a 1 year old kid. I have to answer the question WHY? I have to explain why we need to eat veggies, why we need to drink, spoon feed them and teach them everyday my name which they can never remember, why we need a bath and have diapers to be change. When they call " Come here, what is your name ? "and give me hug and say I need you , please hold my hand and sit beside me. This make my day, one of the most wonderful day I can ever have. Not everybody will have this wonderful feeling I will always cherish.
Lesson for today:
Dementia is a word for a group of symptoms caused by disorders that affect the brain. It is not a specific disease. People with dementia may not be able to think well enough to do normal activities, such as getting dressed or eating. They may lose their ability to solve problems or control their emotions. Their personalities may change. They may become agitated or see things that are not there.
Memory loss is a common symptom of dementia. However, memory loss by itself does not mean you have dementia. People with dementia have serious problems with two or more brain functions, such as memory and language. In simple way, the brain is dying.
This is me Lorina
Lesson for today:
Dementia is a word for a group of symptoms caused by disorders that affect the brain. It is not a specific disease. People with dementia may not be able to think well enough to do normal activities, such as getting dressed or eating. They may lose their ability to solve problems or control their emotions. Their personalities may change. They may become agitated or see things that are not there.
Memory loss is a common symptom of dementia. However, memory loss by itself does not mean you have dementia. People with dementia have serious problems with two or more brain functions, such as memory and language. In simple way, the brain is dying.
This is me Lorina
Saturday, August 6, 2011
Me and the Lenders
In 2008 shit happened in my Life. Suddenly my 18 years of married life came down the drain because of a virgin woman with 3 kids. Then banks problems matched it. In 2009 I was fighting 2 lawsuits (divorce and the pretender lenders). In Nov. 2009, I was divorced and was very satisfied on the court's ruling. I got my kids, and 70% of whats everything my ex got. Now, I do thank the woman who took my ex-husband. When divorce comes, do not just sulk on a corner, fight what belongs for you and the kids. Remember the hanging judge knows what to give to the abandoned family .
Where do I get my strength ? I survived the divorce and still surviving the fights with the banks. My strength is my Right and any human rights that I fight for.
NOW, let's go on my favorite topic. The Lenders.
Being the only one earning and paying legal fees on the on going divorce, income was not enough. Called my dear lender and asked to help me until my life gets better again. Lender helped me by increasing my loan payment, from 5k to 7k per month. They were really nice, isn't it ?
I hired a company that will help me on the modification but the lenders did not like to talk and negotiate with them. I hired a lawyer to do forensic study of my loan documents. Then I sued my Lender in Pro per.
The lender sold my loan while the lawsuit is on with Lis Pendens. Then 3 days before the Auction I got a letter stating I have a new lender.
REMEMBER, the MO ( modus operandi ) of the lender. They will make you run like a chicken without a head. I called the lenders and they told me they do not have my loan. WELL, there was still the Trustee. I called the Trustee and I was told the sale was put on hold. BUT, Trustee illegally sold my house.
I FOUGHT BACK AND WON MY HOUSE BACK. The good judge cited them for breach of fiduciary duty. By the way, my opponents lawyers were fired by the pretenders because they lost the case.
After the Judgement, YES! after the judge order, my lawyer and I had multi-conversation with the new lawyers of my opponent and having the guts to asked me to pay them in 2 weeks and the screaming woman lawyer told me I will be foreclosed. My lawyer told them I do not owe them that money. After few days I received a letter from my lawyer, an email from the lawyers of my opponent stating they will give me 10k, and 90 days to stay and admit in court I was wrong. I said NO WAY. I tell you, better have a good documents safe keeping, you will need them when the right time comes.
I file bankruptcy to protect myself on all the debts my ex husband got and protect me from the pretenders and of course to resolve in Federal Court my problem with the pretender lenders.
I am a very patient person. I think I got well trained in being patient by my ex husband because I will not last 18 years if I was not. I was well trained being patient because I do care for elderly, hospice and people with disabilities. I was patient because people make mistake and I wait and give them a chance to amend. But, if I lose my patience and they insist on their evilness, I have to get my right and let them know to respect my rights.
In April 2011, the Judge ordered that my loan be cram down from 680K to 325K. My opponents were saddened and I was happy with that judgement ( I WON AGAIN). Debt is debt needs to be paid at least this is the least they can do for me for all the miseries they have done to me. But ,NO my opponent were appealing and costing me more money. They are financially draining me so that I will quit and let them win.
I started to do my own discoveries. In 2007, I signed my loan not knowing the lender was a defunct lender. My documents were Robo signed. The State judge order on 2009 was intentionally, willfully and knowingly recorded in reverse way. The judge ordered me as the owner but they recorded it in the public record as them the owner and I am foreclosed. They have slandered my name, my business and my Title publicly. They continue to show in the Internet that they are the owner and I was foreclose which made a big impact on my business and loss 65% of earnings since 2009.Intentionally doing this so that I will not have money to fight.
They recorded assignments that have been robo signed and entities assigning other entities without assignments. This pretenders are really nice, don you think so? They like to make me feel financially miserable , me the struggling working divorce mother of 2.
I have lasted to fight them for years now. Some people made it easy for them, I do understand that. Who wants to be financially drain and emotionally bothered. With only 2 clients to care for , no enough money coming in. Sometimes I have to find my coins to add up for gasoline. I always tell myself to be patient business will be better again even though my name and my business was slandered in public.
My daughter said ," Mom, when can I have a dollar in my pocket, you spent so much money on fighting ,Why do you do it ? I told my daughter principle and responsibility to us and to others. I have a duty to myself that my rights not be violated, I have a duty to others who can not fight to get their rights for them and I have a duty to the State to protect the LAWS that are being violated by the educated crooks. Sometimes Justice is blind and we need to help to light so that it will shine. As I told my lawyer I want my case law because if I will win this again this case laws will help a lot of people.
I will post on my blog again what is happening on the case laws I am setting..............read again next time.
this is me Lorina
Lesson for today: Foreclosure
The legal process by which an owner's right to a property is terminated, usually due to default. Typically involves a forced sale of the property at public auction, with the proceeds being applied to the mortgage debt
Where do I get my strength ? I survived the divorce and still surviving the fights with the banks. My strength is my Right and any human rights that I fight for.
NOW, let's go on my favorite topic. The Lenders.
Being the only one earning and paying legal fees on the on going divorce, income was not enough. Called my dear lender and asked to help me until my life gets better again. Lender helped me by increasing my loan payment, from 5k to 7k per month. They were really nice, isn't it ?
I hired a company that will help me on the modification but the lenders did not like to talk and negotiate with them. I hired a lawyer to do forensic study of my loan documents. Then I sued my Lender in Pro per.
The lender sold my loan while the lawsuit is on with Lis Pendens. Then 3 days before the Auction I got a letter stating I have a new lender.
REMEMBER, the MO ( modus operandi ) of the lender. They will make you run like a chicken without a head. I called the lenders and they told me they do not have my loan. WELL, there was still the Trustee. I called the Trustee and I was told the sale was put on hold. BUT, Trustee illegally sold my house.
I FOUGHT BACK AND WON MY HOUSE BACK. The good judge cited them for breach of fiduciary duty. By the way, my opponents lawyers were fired by the pretenders because they lost the case.
After the Judgement, YES! after the judge order, my lawyer and I had multi-conversation with the new lawyers of my opponent and having the guts to asked me to pay them in 2 weeks and the screaming woman lawyer told me I will be foreclosed. My lawyer told them I do not owe them that money. After few days I received a letter from my lawyer, an email from the lawyers of my opponent stating they will give me 10k, and 90 days to stay and admit in court I was wrong. I said NO WAY. I tell you, better have a good documents safe keeping, you will need them when the right time comes.
I file bankruptcy to protect myself on all the debts my ex husband got and protect me from the pretenders and of course to resolve in Federal Court my problem with the pretender lenders.
I am a very patient person. I think I got well trained in being patient by my ex husband because I will not last 18 years if I was not. I was well trained being patient because I do care for elderly, hospice and people with disabilities. I was patient because people make mistake and I wait and give them a chance to amend. But, if I lose my patience and they insist on their evilness, I have to get my right and let them know to respect my rights.
In April 2011, the Judge ordered that my loan be cram down from 680K to 325K. My opponents were saddened and I was happy with that judgement ( I WON AGAIN). Debt is debt needs to be paid at least this is the least they can do for me for all the miseries they have done to me. But ,NO my opponent were appealing and costing me more money. They are financially draining me so that I will quit and let them win.
I started to do my own discoveries. In 2007, I signed my loan not knowing the lender was a defunct lender. My documents were Robo signed. The State judge order on 2009 was intentionally, willfully and knowingly recorded in reverse way. The judge ordered me as the owner but they recorded it in the public record as them the owner and I am foreclosed. They have slandered my name, my business and my Title publicly. They continue to show in the Internet that they are the owner and I was foreclose which made a big impact on my business and loss 65% of earnings since 2009.Intentionally doing this so that I will not have money to fight.
They recorded assignments that have been robo signed and entities assigning other entities without assignments. This pretenders are really nice, don you think so? They like to make me feel financially miserable , me the struggling working divorce mother of 2.
I have lasted to fight them for years now. Some people made it easy for them, I do understand that. Who wants to be financially drain and emotionally bothered. With only 2 clients to care for , no enough money coming in. Sometimes I have to find my coins to add up for gasoline. I always tell myself to be patient business will be better again even though my name and my business was slandered in public.
My daughter said ," Mom, when can I have a dollar in my pocket, you spent so much money on fighting ,Why do you do it ? I told my daughter principle and responsibility to us and to others. I have a duty to myself that my rights not be violated, I have a duty to others who can not fight to get their rights for them and I have a duty to the State to protect the LAWS that are being violated by the educated crooks. Sometimes Justice is blind and we need to help to light so that it will shine. As I told my lawyer I want my case law because if I will win this again this case laws will help a lot of people.
I will post on my blog again what is happening on the case laws I am setting..............read again next time.
this is me Lorina
Lesson for today: Foreclosure
The legal process by which an owner's right to a property is terminated, usually due to default. Typically involves a forced sale of the property at public auction, with the proceeds being applied to the mortgage debt
Wells Fargo's 85 million dollars to pay BORROWERS.
The Federal Reserve Board on July 2011 issued a consent cease and desist order and assessed an $85 million civil money penalty against Wells Fargo & Company of San Francisco, a registered bank holding company, and Wells Fargo Financial, Inc., of Des Moines. The order addresses allegations that Wells Fargo Financial employees steered potential prime borrowers into more costly subprime loans and separately falsified income information in mortgage applications. In addition to the civil money penalty, the order requires that Wells Fargo compensate affected borrowers.
THIS IS A VERY GOOD NEWS FOR SOME PEOPLE TO GET THEIR MONEY BACK. REMEMBER WHEN YOU REFINANCE YOUR LOAN OR BOUGHT A PROPERTY AND GOT INTO SUBPRIME LOAN AND YOUR LOAN WAS INTENTIONALLY FALSIFIED BY THE BANKS, THE BANKS HAD COLLECTED SO MUCH FEES. IT IS PAY BACK TIME.
THE ORDER TO PAY BACK IS THE BEST THING THAT HAPPENED. THE BANKS NEED TO FOLLOW AND RESPECT THE BANKING RULES. THE AFFECTED BORROWERS NEED THEIR MONEY BACK. THE MONEY THAT THE PEOPLE WILL RECEIVED WILL BE BASED ON THE FEES AND INTEREST PAID.
IT IS NICE TO SHOUT "I NEED MY MONEY NOW!!!!!!!"
This is Lorina
THIS IS A VERY GOOD NEWS FOR SOME PEOPLE TO GET THEIR MONEY BACK. REMEMBER WHEN YOU REFINANCE YOUR LOAN OR BOUGHT A PROPERTY AND GOT INTO SUBPRIME LOAN AND YOUR LOAN WAS INTENTIONALLY FALSIFIED BY THE BANKS, THE BANKS HAD COLLECTED SO MUCH FEES. IT IS PAY BACK TIME.
THE ORDER TO PAY BACK IS THE BEST THING THAT HAPPENED. THE BANKS NEED TO FOLLOW AND RESPECT THE BANKING RULES. THE AFFECTED BORROWERS NEED THEIR MONEY BACK. THE MONEY THAT THE PEOPLE WILL RECEIVED WILL BE BASED ON THE FEES AND INTEREST PAID.
IT IS NICE TO SHOUT "I NEED MY MONEY NOW!!!!!!!"
This is Lorina
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