If I hadn't been pulled in other directions...I probably would have been an investigative journalist. Well...maybe. I probably never would have been able to make the word cut for column length. If I'm ANYTHING...I'm wordy.
BUT..there is so much to be said! Especially on the subject of foreclosure fraud. Many of you know we've been fighting the GOOD fight to protect our beautiful FL homestead in one of the state's that is RIFE with foreclosure fraud.
As our adept attorney's say...In the FL judicial system you are WRONG even if you are RIGHT.
This is because our stinking governor, Rick Scott, a master of fraud since he ripped off medicare payments in the hospital field to make his millions... has mandated that once all the 'free loader' homeowners are cast out of their homes and they can be put back on the market for many of his 'free wheeling' investor buddys to snap up for pennies on the dollar things will get back to business as usual.
BOY is he WRONG! More and more homeowners are realizing that they have been hoodwinked after making many payments on trial modifications being promised by the big banks that they are working with them to save their homes from foreclosure. We should know...we made not the three 'perfect..on time...to the letter of the agreement' trial payments that are supposed to guarantee a permanent payment that you can afford on your home...but ELEVEN....to the tune of over $20,000.
That's a WHOLE lotta hoodwinking Lucy!
It's called dual tracking that means a promise of help whilst moving the property into foreclosure the whole time the trusting homeowner is still coughing up dough to line the greedy banisters pockets. It's also illegal.
But beyond that despicable act...one that judges are only too happy to look the other way and ignore we have illegal document manufacturing.
If they can't find the original docs that prove they have the right to steal your home in spite of the homeowners willingness to make payments, they will make them up...yep...out of thin air. That's why some of my earlier blogs say that stealing a home in FL is as good as having a half way decent copy machine.
How do I know this. Well...it's called super sleuthing.
I've known for YEARS that GMAC does not have our original note and mortgage. Heck they couldn't even get the closing packet right for the terms of the loan on our refinance way back in 2006.
This loan was done completely by telephone and mail. No human bodies included whatsoever. The first packet they sent out had the wrong interest rate on it. I called and complained that it wasn't our 'locked in' rate quoted over the phone.
I'm telling you...when you deal with a bank keep DETAILED notes, I'm talking representative's names (even though most of the time they are bogus too), dates and times you spoke to them and notes of what the conversation entailed.
Second package sent out had a 'pre-payment' penalty snuck into the legal jargon. We had agreed they would WAIVE the pre-payment penalty. Back that packet went to Dallas, TX.
Third packet came...they are MAD
now because they have been caught in two slip ups...they say if this packet isn't back to them by such and such date the loan is OFF.
I should have just let it go at that. It would have saved me a boat load of trouble and maybe we wouldn't be in the sinking boat we are in today. But...hindsight is ALWAYS 20/20 right?
Sooooo I'm wondering for myself what docs actually got filed in land records about this whole lost loan gone bad. What did they manage to actually file? I want it straight from the horse's mouth and certified. So last Friday I take myself downtown fight the insane traffic and pray for a parking spot to our courthouse and navigate myself through the files.
I'm determined to get certified copies of our mortgage, I want PROOF of the robo-signed (illegal) assignment that shows how truly bogus and transparent this whole ruse is. Any 6th grader can figure out it's a CYA document cooked up to LOOK correct...but there is the SMALL problem with the filing date and the robo-signer who originated it.
ALSO too.... it is placed in the records a full FOUR years after the loan was implemented. Isn't it unusual that an assignment just happens to magically get filed for a foreclosure case by a fraud filled lawyers office who is now out of business because of all the proven fraud he committed... and this assignment shows PROOF that he handled our illegal foreclosure action in the first place?
Luckily it has his office big as the moon showing on a prepared by stamp in the upper corner. The truth about things always comes out eventually. But it's probably not enough for these idiot judges here in FL.
This in and of itself should prove to the judge that our foreclosure was rigged, fixed, and implemented from the VERY beginning and even AFTER eleven of what we thought were CURRENT payments and an agreement for a permanent modification. GMAC now OcWEN was STILL moving the action to foreclosure. Totally illegal.
It's ALSO interesting that in the original Lis Pendes.. other robo-signed documents and the foreclosure mill attorney's original foreclosure action has....poof...evaporated into thin air since the stigma of his firm's name and the robo-signer he used for the affidavit to Summary Judgment proved the stench of fraud so glaringly.
The new attorneys that took over the case and pulled those tainted documents from the file and replaced them with 'acceptable' documents should be sanctioned, fined, and sued for committing fraud upon the courts AND perputating and aiding and abetting the fraud they chose to cover up. But in the la~la land of FL this too will probably be allowed to slide.
Now...I have to backtrack through all the docs and see how they have doctored up signatures, and endorsements to make it look as though they did everything correctly. We KNOW they did not...we KNOW they just cooked up bogus documents where they were needed...but to prove this is the arduous part.
It's also weird that the note and the mortgage somehow did not get recorded as a whole. Just the mortgage shows in the land records. That too was sloppy, sloppy record keeping and should not be allowed to stand in a court of law.
I need to find out how I can look into the Pooling and Servicing Agreement that banks are now claiming they can use to show ownership. This is a whole NEW wickety wicket and just one more smoke screen in a long and winding path of smoke and mirrors that we have been fighting for the last 5 years.
One small victory...I turned in our servicer to the Attorney General (not that she really cares...but she makes the appearance of caring) who wants them to explain how they accepted eleven payments that were current and then pulled the rug out from under us anyhow by moving the home into foreclosure.
This is going to be a GOOD story Lucy...I'll be sure to share. OcWen has 30 days to cook some song and dance up for that one. Another 'fairy tale'
is in the making!
In the meantime if you or anyone you know is losing their home to illegal foreclosure tell them to fight like hell...and then keep on fighting...it ain't OVER til the fat lady sings!