This page has been archived and commenting is disabled.
The Nine Most "Inconvenient" RoboSigning Admissions BofA Would Love To Disappear
As if the fact that the world economy has once again taken a turn for the worse (rising inflation in China, sinking everything in Europe, endless QE in the US) wasn't enough, that pesky problem of robosigning and fraudclosure just refuses to go away. And even though the major banks are doing their best to remove any reference of this problem, which will eventually be the final nail in the coffin sealing the first truly global great depression, from the mainstream media, here is a sampling of some of the choicest admissions by robosigners, which will continue to serve as the basis for thousands of lawsuits (both RICO and otherwise) to come. While we know that BofA's Reps & Warrantees reserve is woefully underfunded (with everyone and their grandmother now seeking to putback RMBS to BofA, anything less than 'infinity' is underfunded), we hope Bank of America has set up a sufficiently large legal expenses reserve. It will need it.
1. 'Just Sign The Documents'
"Do you know specifically what you're authorized to do for MERS?"
"Just sign the documents."
"Do you know specifically what you're authorized to do for City Residential Lending?"
"Just sign the documents."
[...]
"Why did you sign this document indicating that your address was in California if that in fact was not your address?"
"Because my name was on the document."
"So it was presented to you to sign and you signed it."
"Yes."
2. A Vice President At More Than 20 Companies
"In addition to notarizing assignments of mortgage, do you ever sign assignments as a vice president of a company?"
"Yes."
"For which companies have you signed as vice president?"
"I couldn't list all."
"Could you give me some examples?"
"Chase Morgan. Wells Fargo. I'm on pretty much every corporate resolution."
"Would it be accurate to say that there are maybe an excess of 20 companies or banks that you sign as vice president?"
"That would be fair to say."
3. "Just Look For My Name, And Then Sign"
"Do you have any understanding as to what that term means, 'for good and valuable consideration'?"
"I don't usually read the docs when I sign."
"So it's not part of your job to review the document. Your job is just to sign it."
"Just look for my name, and then sign."
4. No Experience Necessary
"What did you study [in the one year of college]?"
"Nothin'. It was just the basic."
"General courses?"
"Yeah."
"Do you have any other additional training or education in banking or finance?"
"No."
"Real estate?"
"No."
"Law?"
"No."
5. Signing 5,000 Documents Per Day At Less Than A Minute Each
"Can you tell me on any given day how many assignments or other documents you sign?"
"Are you looking for a ballpark average?"
"Ballpark. I certainly don't expect you to remember exactly."
"I'd say 5,000."
"Would that be an average day for you?"
"That would be average."
"Would it be fair to say that during your tenure at NTC you've probably signed an excess of 50 or 60 thousand documents?"
"Yes."
"Could be higher than that?"
"Yes."
"With signing so many on any given day, can you estimate for me the amount of time you spend on any given document?"
"Less than a minute."
"When you're presented with a document to sign or notarize, do you take
any steps to verify any of the information contained in the document?"
"Not in the body."
"When you say 'not in the body' are there any other steps that you take?"
"I'm just looking to make sure it's been fully signed."
"Would it be accurate to say that you are presented with a stack of
documents to sign, and your practice is to look at the document, see if
it's been signed, affix your signature to it and then move on to the
next document?"
"Correct."
6. A Disturbing Lack Of Experience
"When you say 'financial' are you referring to matters relating to banking?"
"No. We don't do mortgages in my country. ... I don't have any idea about mortgages when I started here."
7. A Strange Definition Of A Mortgage
"Did you take any steps to verify any of the information contained in this assignment before you signed it?"
"No."
"Do you ever take any steps to verify any of the information in the documents you sign at NTC?"
"No."
[...]
"What is your understanding of what exactly is a mortgage?"
"When somebody goes to buy a house, they take a loan. And then the mortgage is their paying the banks bank."
"Can you tell me what your understanding is of the term 'promissory note'?"
"That's just the note. Like it says the interest rate and stuff like that on it."
8. Management May Have Electronically Signed Documents For One Employee
"Do you play any role in the creation of the documents to which your signature is electronically affixed?"
"No role."
"Do you have any idea what documents or how many documents your signature has been electronically affixed to?"
"No."
"Do you ever review those electronic documents after your signature has been affixed?"
"No."
"So would it be accurate to say that entire process takes place outside of your presence and knowledge?"
"That would be fair."
[...]
"You play no role in the determination as to whether or not you should
be signing the document physically, or whether your electronic signature
should be inserted?"
"No."
"Who makes that decision?"
"That would be someone in management."
"So someone else in management is making a decision as to whether or not
to use your signature to affix it electronically to a document?"
"Yes."
"And you have no role in that process?"
"Correct."
9. Signing More Than 50,000 Documents
"Have you signed assignments or other documents as vice president of any other companies?"
"Yes."
"What companies have you signed as vice president?"
"I don't know."
"You can't recall any?"
"Mm-mm [No]."
"Can you estimate for me the number of different companies that you've signed assignments as vice president?"
"I don't know."
"Can you estimate for me how many assignments or other documents in
total during your tenure at NTC you signed as an officer or a vice
president of a company?"
"I don't know."
"Is it more than 10?"
"Yes."
"More than 500?"
"Yes."
"More than 5,000?"
"Yes."
"More than 20,000?"
"Yes."
"More than 50,000?"
"And out of those 50,000, the only company that you can recall signing
as a vice president or an officer is City Residential Lending?"
"Yes.
Courtesy of Huffington Post
»
- 28010 reads
- Printer-friendly version
- Send to friend
- advertisements -
I'm sure this will be swept under the rug and kicked down the road, like all the other problems facing the McMortgage industry.
After all, Uncle Gorilla is now reponsible for $4 trillion of CDO's/Squared/Cubeds, so I doubt they will let this thing vaporize just yet....
.... Nth-to-Default ..
Uncle Gorilla, haha. Ride a wildebeast the fuck oughta here.
ya momo douche
Great strategy Robot, speak out against fraud that way people will be more inclined to believe your anti-gold demagoguerry!
That's my boy!!....or girl?
++
You're a jerk, you fat-chinned fuck. How dare you steal an avatar to take attention from someone who has an actual prescence in this forum?
You know what a poseur is, ass-clown? Look in the mirror. Yeah, you're it!
If you have something constructive to say, how about putting your own fat face up here instead of blowing off against someone with an actual opinion, moron? Plausible deniability is for pussies- and you have plenty of that.
Cease and desist, dickweed! Let's see your real ugly mug, shall we? I swear I have zero patience for assholes who have nothing to add but much to detract. Get a fucking life, you loser!
Every time I see your posing posts, I am going to junk the hell out of you and I urge all my fellow ZHers to do the same, whether you agree with the opinions or not.
We cannot allow this idiot to steal.
You don't like gold?
I don't like liars.
where have I lied, please?
by pretending not to be a jerk that one time. now stop whining about gold going down for day. it ain't called "buy low sell high" for nothin'. now take that bra off and werk it like you mean it!
Yeah. After next week, you can really get used to it.
Not to get caught in this titanic forum battle, but I do want to register my fervent desire for anyone who wants to "steal" my avatar to please do so. The more the merrier.
Fuck you and your pessimism. I got a $60-80K home in a nice suburb, a Cuntrywide mortgage that isn't worth the paper it's written on and enough legal ammo to fire at BofA's douce-bag lawyers for three years of motions that says you're full of shit.
Has any told you lately to go fuck yourself? No? Consider it done. GFY.
I really like this place. You can say fuck and shit and tell people off. What a country!
Can you say "patsy". I think it's time to prosecute the managers of these people, and up and up... And someone better be going to jail including the regulators who signed off on these securities.
Question is whether Congress will use the lame duck session to pass a bill that will retroactively legitmize mortgage transfers conducted through MERS private database? And at the same time the bill would limit MERS exposure on the recording fee issue.
One only has to ask who wins (banks) and who loses (people/the rule of law) to conclude that this is indeed what will happen.
Score another one for the kleptocrats.
lizzy, there's an argument to be made that the 'rule of law' has already been thrown out the window. it's all about which way the law will be used as a weapon to inflict the most damage and upon whom. of course, those who have nothing to gain in the outcome and will have much to lose regardless of the outcome will be the ones who will suffer the most as collateral damage. but the damage has already been inflicted, it's just waiting for a location to be dispersed.
but yes, you're right, the MERS legislation is going to be the battlefield. should get interesting to say the least.
FISA set an awful precedent with retroactive civil immunity for telecoms who participated in domestic spying.
http://en.wikipedia.org/wiki/Foreign_Intelligence_Surveillance_Act
Does anyone know which branch will vote on this MERS debacle legislation first (house/senate)? As I recall from childhood, one can watch the debate from the balcony and might throw out a few suggestions to consider from the peanut gallery (respectfully of course).
I'll volunteer for the job, as I live in the neighborhood, but I'm not the sharpest knife in the drawer and would most likely make a spectacle of myself, get thrown in jail, and not get the point across properly.
Cog dis, I'll meet you there if you wish.
Hey, lizzie, you know they did this with the phone companies, granting retroactive immunity when they tapped everyone's phones. On the day they did that, I thought everyone should just stop paying everything, but Americans are such sheeple. When they do it this time, I expect the same reaction.
I, however have other ideas. Amazingly, most of them are actually legal. For the others, I am hoping to have some court change the laws for me, retroactively, of course.
This was my fav. quote in the series and it was in the first viedeo.
Atty -
"What did you study at SBC?"
Robosigner -
"Nuthin"
[how my next interview is going down]
Gangsta!!!! Don't hate the player. Hate the game.
I want to know...reallllly want to know how much these people got paid. I bet it's something just humiliating like $20 an hour.
$20/hr is great fuckin' money for totally unskilled/no-degree labor.
What country you live in, anyway?
$20 per hour is an absurd over-estimate.
(I know that Bob, I'm responding more to the guy's notion that it's a "humiliating" amount of money. He clearly isn't an American.)
Got it . . . just wasn't sure the point would come out clearly.
These jobs typically pay $10 per hour at most, with 5 days vacation, pay-your-own health insurance, 1/2 hour lunch break, bastards browbeating you all day, no personal phone calls or outside web access, etc.
and don't forget the "signing bonus"
Those who sign the most for the month get an all expense paid trip to Hawaii.
Bob, dude, you're killing me here! Funny, but so out of touch. People at that level merely get to keep their fucked up jobs . . . and maybe share some donuts on Friday mornings. I doubt that even the coffee was free.
Bob, bob's got a point -- there always has to be a carrot dangling just out of reach for full complicity. remember the Hillary analogy : carrots AND sticks.
Wow, you guys really don't know what life is like at the bottom.
funny Bob, just had a conversation with my friend & neighbor yesterday about how he has to move out of his place b/c he can't afford his rent anymore. he doesn't have a place to go & he's considering couch surfing til he gets back on his feet. i could tell you about a half dozen other similar discussions i've had in the last 3 months. but no i don't know nuthin bout being broke, beat & bottomed.
careful with your assumptions there, bud.
It's no assumption I'm making about your contact with people who are financially hurting. I'm making no assumptions whatsoever, though I probably should have limited my statement to "what life is like for those at the bottom of the 'white collar' workforce."
What I'm saying is that you guys are proving that you don't know how much money peons who work in unskilled administrative jobs in corporate cubicles in high rise office buildings make. The only place sombody with a job like these guys were doing would make more than $12 per hour is in government--and then they might have made as much as $15. This is something I know about.
As good as the attorney who did the depositions on these robosigners was, it's a shame that when he went over their educations, knowledge, work descriptions and such that he didn't ask them how much they were being paid. It would have really brought into perspective their place and role in the fraud structure.
and in your experience, what encourages people to take and stay in jobs like that? is it just the $12/hour?
It's the two alternatives available to them: either making less or nothing at all.
They have no education or marketable skills. And the vast majority are women.
I know there are some areas of the country where people make more, such as NYC, but these are the rare exceptions to the rule.
The same holds true, btw, for most medical tech jobs, all of which require formal schooling.
so i guess willful ignorance now has a going price premium of $4/hr.
signing bonus, bitchez†
I'll bet they make more than you think...
$13.50 in Dallas, by the way...
I am American.
Thats why it's humiliating.
I bet their salaries or whatever they get paid is somehow via stimulus funds...which is just to add insult to injury
shovel ready y'allz....
to shovel some bulllll-sheeeeeit!
Mr. Dabolina, Mr. Bob Dabolina, Mr. Bob Dabolina won't you quit?
Your gonna make me sick with your fraudulent behavior.
Taiwanese Rap Video of G20: US Versus China
http://www.youtube.com/user/NMAWorldEdition#p/u/4/IGYAhiMwd5E
http://www.atimes.com/atimes/Front_Page/LK13Aa01.html
Taiwan Rap, ++
And While CNBS sputters attempts at perception management as the first hot winds of an F135 afterburning jet engine winding up to full throttle glaze across the multicolored ice cream cone held gingerly just in front of the exhaust nozzle with the collective meme that it will never melt, the rat race is on! Can the perps get their congressional retroactive laws passed to somehow wiggle out of this? Will the perps try to crash everything to escape? . . .
Class Action --> Rico --> Treason?
I don't know which hurts most. Passively watching these types of frauds happen, or, just stick an icepick in my eyeball.
only one way to be sure!
:)
Dude, you're funny.
"D
Aw, that one was underhand soft-pitch! No, no...It was T-Ball.
That joke was served up pre-cooked. ;)
I'm using these basic principles during my next GS interview that I learned in these videos
[interview # 34]
GS: What did you study in college?
Me: Nuthin
GS: What is your current job title?
Me: Vice President
GS: What are your job duties?
Me: I'm the boss
GS: Solve this equation [additive number theory]
Me: I'm the boss.
Take away the citizenship and banish all those who would destroy the republic. They should be happy we dont send them to the bottom of a rope instead.
"If any citizen of the United States shall accept, claim, receive, or retain any title of nobility or honour, or accept and retain any present, pension, office, or emolument of any kind whatever, from any emperor, king, prince, foreign power, or secret society, such person shall cease to be a citizen of the United States, and shall be incapable of holding any office of trust or profit under them, or either of them."tona2009.com
Sooner or later, Joe six pack will get screwed yet again when either Congress through law or the President with an executive order will make the entire MERS problem go away....retroactively. After all his pals deep in the canyons of Wall Street will demand it and no doubt Obama will obey. This shit has gone on long enough and hopefully some day, a brain dead populace will borrow a line from Lincoln's first inaugural address in 1861.
"This country, with its institutions, belongs to the people who inhabit it. Whenever they shall grow weary of the existing Government, they can exercise their constitutional right of amending it or their revolutionary right to dismember or overthrow it".
grow a pair congress. you too Mr. President.
Spot on. There is a "national security" issue in here someplace.
Look, Its simple. This thing called Lawsuits or suing ended a couple of months ago. What used to be called a trial is now a Dog and Pony show for those that fell for Balloon Boy . There is no Law. The Banks , Now called our Lords have won. Ok my fellow Serfs? Now excuse me while i go hide in my local water basin. We usedto call it a sump when i was a youngin'
WHITEWASH!
There will be a run on whitewash for the 'lame duck' congress to cover over the mortgage mess and turn MERS into a quasi governmental institution.
The moneyed elite have just too much loot in this game to walk away. Already the low life lobbyists must be in position with bags of cash for anyone in congress who is sympathetic to the elites.
Besides the money stream from mortgages, the other other stream of money from OTC CDOs and CDSs are also threatened. The elites will fight tooth and nail to protect this and the law be damned.
Excellent. You got right to the meat and bypassed the vegetables.
No, it'll all be legal. They will write new law in the lame duck session. There is no choice. On this posting alone we can see 150,000 invalid assignments. There are surely more than 3-5 million out there. They cannot be corrected fairly one-by-one. This fraud was so great it will be made legal.
Yes. And the law be damned. That which was illegal will become legal. The line will come full circle. You can be sure that any losses will be socialized, with any profits being private. The corruption is now completely institutionalized.
The blood of congressmen and bankers will soak into American asphalt if they keep pushing the envelope. This is not a threat, just a commonsense prediction. Are you taking notes, Barney?
wonderful country !! Slaves everywhere and dummer than a box.
More of my FB "friends" can tell me what is going on in Farmville than what is doing on in the real world. A post about Farmville gets about 20 responses, while a ZH article gets 1 response. My FB friends are zombies to capitalism ... all they care about is working their 50 hours/week so they can go fishin, huntin, and drinkin.
Isn't that the sad truth? They will never wake up until their livelihood is finally threatened. In due time...
I'm sure they would be happy to do that. But what if more than one bank claims that they own a given mortgage? I'm sure that will happen more than a few times.
It's way more than robosigning:
http://www.investorsinsight.com/blogs/john_mauldins_outside_the_box/archive/2010/10/25/how-a-gang-of-predatory-lenders-and-wall-street-bankers-fleeced-america-and-spawned-a-global-crisis.aspx
And this linked piece is way better than even a Matt Taibbi article, imo.
Thanks. Great link.
Well, I expect legislation or some sort of govt trust company - quite a mess. Isn't it time to begin winding down these big banks and truly find out the state of their books?
If these large banks were put under, who would suck up the Fed's money? Would we go straight to hyper-inflation after the ka-boom?
These banks did the same illegal and fraudulent practices in the consumer loan and credit card area for years and the courts let them get away with it. Nice to see that the fraud is coming home to roost for them finally.
Each of these robo-signers would be replaced by someone else if they didn't heed the management directive flowing downhill from the top ... "If you can't get the job done, I'll find someone who can!" And the same warning goes for every manager in between. Eventually, upper management weeds out the most moral of employees and replaces them with the less moral. It's simply the way capitalism works today.
How much do you want to bet that this is exactly what happened at BP resulting in the gulf oil disaster?
P.S. Managers make sure there is "plausible deniability" to protect themselves in case things go horribly wrong, such as "I never specifically told anyone to do that." And all CEO's end up like Jeffrey Skilling who claimed to know absolutely nothing about Enron's business.
Right on every count. Sounds like you've actually worked in a corporate setting in the past ten years.
Worker bees all need to start wearing wires.
I 've found a generic $20 MP3 player/recorder slipped into my shirt pocket indispensable at times.
I used a mini tape recorder. Put it in my sock.
Enjoy reading the corporate America comments. As a victim, I can relate. Seems like there is no place for the truth anymore.
MP3 players/recorders are much smaller in all three dimensions and make no sound. You can also easily copy the recordings onto your computer, disc or thumb drive.
An honest man or woman has a difficult journey these days.
An honest man or woman has a difficult journey these days.
No doubt about it. I finally got so fed up with the lies and deceit I started speaking up and telling the truth. It cost me my job. I'm a lot poorer, but my mind (and probably health) is better for it. I don't think many people really understand what goes on in corporate America, even at the lower levels of management. It is truly a snake-pit of corruption and lies.
Every member of congress, the president and their staff should be required to watch Matt Damon's 'Inside Job'.
Oh, but then they already know the story, they're part of it!!!
Larry Summer's; what a fuckin' dirtbag. Timmy Geithner; he's even a lousy liar.
One new law would help a great deal: do not allow anyone or any firm in the financial business to be in a conlict of interest situation.
Went and watched it tonight. I wonder what people who don't follow this stuff as many on here do will think about it. I hope it opens some eyes.
i think the quote your looking for is
"The path of the righteous man is beset on all sides with the iniquities of the selfish and the tyranny of evil men. Blessed is he who in the name of charity and good will shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children. And I will strike down upon those with great vengeance and with furious anger those who attempt to poison and destroy my brothers. And you will know that my name is the Lord when I lay my vengeance upon thee."
it is a mix of several bible verses
Looks like Crystal ate her attorney...this is such a joke. Robo or not, you don't pay, you should be out...simple as that.
But...you have to look at it like this.
You took out a 30 yr fixed mortgage through Chase. You paid off your entire mortgage to Chase however Chase sold your mortgage 25 years ago to another financial institution.
So 31 years later some financial company knocks on your door and says "pony up or get out of my house"
Thats the issue. No one knows who owns whos mortgage. Like a few of the cases Alan Grayson had pointed out:
-Multiple banks tried to foreclose on the same property
-A bank even tried to foreclose on a guy who didn't even have a mortgage. He paid for his home in cash.
etc etc...the system is broken because the banks didn't follow the law. (i know what else is new)
There is also the purely commercial issue of being able to talk to the entity who owns your mortgage in an effort to work out a deal. Give and take between buyer and seller is the foundation of capitalism. That give and take is not at all possible in this situation.
excellent point RP. this should one of the main foundations of the argument as it's presented.
This is a big picture issue here guys, lets not get hung up on the ethics-morality schtick. Lets face it, the system grinds to a halt if we have to cross all the T`s and dot all the I`s, so day to day we accept the short cuts because otherwise our total standard of living wouldnt be so high !! Think also, its why we have so many fucking lawyers in the economy....we pay them to check and prepare this shit, so lets start off by SUING their asses and claiming on their liability policies......thats all they exist for !
Now the big factor for the entrepreneurs and senior executives is how to manage this risk----in many ways its a cost of doing business ( the part when the shit hits the fan I mean ). A top notch CEO has it factored in and the exit route planned.....even though its like the 100 year flood.
Whats sad, is how so many are trying to socialize these costs.....fuck it, I am not contributing. YOU screwed up ( TBTF etc ), now learn to live with the consequences.
A thumbnail sketch of how this goes down:
1. Taxpayer gets screwed. Fraudclosure a non-event. Robosigning approved by courts.
2. TBTF maybe gets a big fine but small relative to size of TBTF and damage done (see Goldman settlement).
3. Scapegoat. Somebody gets dismembered by the MSM. Maybe a few small fry like the robosigners get used for chum. MSM gets to thump its chest and praise itself for doing a great job.
4. Outside chance of a Congressional investigation. Sometime in spring of 2012 federal regulators are absolved, TBTF gets its picture taken in the hearing room testifying under oath about how sorry it is and that it will never happen again until the next time. Ripcord pulled on a few golden parachutes, Committee to Save the World 2 indemnifies itself and then they adjourn for campaigning.
5. All is forgotten. Taxpayer licks its collective wounds, puts its head down and goes back to work.
Did I miss anything?
"just sign the documents."
that is the bottom line of this straw-man fraud. robo-signers are there so that the real officers and employees can avoid signing documents under oath. what she meant to say, which is the same thing is; i was told, DON'T read the documents, just sign them.
That's it.
If they had just gone to the trouble of hiring a few of the fine graduates from the Evelyn Wood school of Speed Reading they no doubt could have managed to sign AND READ one of these packages every 8.5 seconds -- without interruption.
(it is all in how you move your finger...page-turning skills are important too with an 80-90 page package)
Un be fucking leivable. Where do you hide from this?
You don't hide. You bleed the dragon, suck his blood, starve him. Use real money. Become a liability to the beast.
what a delicate flower
There could be one small upside to having the small fry get prosecuted - other small fry will reconsider "just following orders." Maybe even make feeble attempts at whistleblowing.
Dare to dream.
Is there a good attorney in Phoenix that can navigate this fraudclosure for the little guy?
Those people are fooked and will be lucky to stay out of jail. The just "following orders" excuse no longer applies.
No one is going to jail. Nothing is going to happen. The big boys are in charge now--no longer the people. Thank american ignorance. The idiot majority asked for this.
Exactly.
Retrospective legislation and amnesty.
CONgress will say that none of that matters and everything is now wiped clean.
Aint it grand?
Florida court: Robo-signing not sufficient to stop foreclosure
A Florida appeals court this week affirmed a bank’s right to foreclose even if alleged robo-signing occurred.
The ruling is good news for mortgage servicers — setting out that lack of knowledge of information in foreclosure documents isn’t sufficient reason to set aside the foreclosure. However, a trial court’s broad discretion in vacating judgments doesn’t mean that other trial judges will see these cases the same way.
In Freemon v. Deutsche Bank, Florida's Fourth District Court of Appeal ruled that an allegedly faulty affidavit didn’t constitute fraud in the case.
http://www.housingwire.com/2010/11/12/florida-court-robo-signing-not-suf...
Is this a form of money laundering? Is there a pattern apparent? Is another pattern of judicial and political complicity emerging? Do we have to do some tweaking here?:
"But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security."
@SOL
that was a weak case to file an appeal on. the defendant filed an appeal after the default judgement was issued and she didn't oppose the lawsuit in the first place.
BUT BUT BUT we have been assured by BOFA, JPM, OBAMA etc that all banks have reviewed these cases and can "assure" us that non of these matters, and ALL foreclosures are letigimate. so these vidoes don't matter... now I'm convinced.
</sarcasm>
Fuck you guys, not sure I can take much more depressing news. Fed stealing us blind, banks stealing us blind, hijacking healthcare, just spent all day about the latest infilitration of government gone mad. I need some fucking xanax. The big ones.
http://thecivillibertarian.blogspot.com/
This is a human condition, and it's chronic.
The 'fox' is investigating the 'crime' in the 'hen' house.
No oversight, no accountability in the entire system!
Human Selfishness is the rampant virtue. TOTAL INSANITY!
We have evolved beyond our capacity to survive unless we learn how to become human lie detectors. We used to live in relatively small communities when a fraudster would be sent out into the wild to survive on their own. No more support from the community network, and more important, not be able to teach deceptive selfishness to the next generation.
Crystal Moore - Every time she looks up, she is accessing her imagination to answer the question/ AKA lying. Every time she looks forward with no "extra" movement in her face, she is answering honestly.
"Which brings up a very personal question. Just what would you do if your employers asked you? Forge a document? Lie under oath? Cheat a customer?"
My sister has spent her entire career in the mortgage industry. Switched jobs and moved cities a number of times. While I never said anything to her, the appearance it gave was that she had a hard time holding on to a job. I had mentioned this to Mom and she said that her employers had asked her to do things that we're illegal and she knew it, so she just walked. The first time that it happened, she refused, but stayed on and they gave her all sorts of grief and pressure until she resigned. The next two jobs where she was asked to do something illegal/unethical, she refused and resigned immediately. These incidents happened well before the current foreclosuregate, but I remember thinking that the industry seemed corrupt, like the used car industry. Now that all this has come to pass, I have gained a new found respect and a better understanding of my sister.
Bly, Doko, Moore, no names like Heisnebacker-Leibnitzeist. Longer named individuals never hired or dropped out via attrition?
Johnathan Merliogaratnis couldn't meet the quotas established for Joe Biggs and Kim Ochs.
Ooh. My first ever double-post. I feel like I've finally arrived.
'grats.
Ha Ha pinhead. Welcome to C class bloggers.
just curious, if with all this fraud, if any kind of certificates were repackaged and sold off to other world banks?
At last we finally see "The Real God's Work" in action.
My vote is for #3 ?
http://www.youtube.com/watch?v=PhQbhQNTHV8&feature=related
This is a total breakdown of law! Yet the weapons of the police state are turned against the people.
I'm thinking it may be time to get out, but where does one go?
south america
Uruguay is nice this time of year.
Yup, south america, or pick somewhere in asia pacific. But don't expect to find very many brainless non-jobs like these. Probably half the countries in central america and south america are better than the USSA. We visited a few last year, made our decision, and are leaving in 5 months.
Try Panama, Nicaragua, Ecuador, Uruguay, Argentina, Bolivia or Chile. Choose somewhere with a physical/weather/cultural environment you enjoy, make sure you have 1~2 years of living money. By the time you run out of money, you'll have found your place in your new world.
TD, thanks for the meat on the bones. These posts make ZH the meatiest around. Lots of sizzle, lots of meat too.
When REAL attorney generals (unlike Eric Holder) INVESTIGATE, this is what happens. They create evidence for the private market, so that it can move in.
This is exactly what the USDOJ does NOT do. Not only does it deliberately NOT do it, it tries to STOP state AG's when it can, like Bush stopped Spitzer and Obama stopped everything after. The USDOJ intervened in the Mississippi interest rate swap CIVIL case asking the judge to limit the plaintiff's discovery! The USDOJ intervened in a private lawsuit on behalf of the same banks it was "investigating", yes, you read that correctly. The United States DOJ reminds me of HBO's Deadwood.
The above evidence is also what happens when the SEC does NOT SETTLE a case and tries it instead. You never know what's going to happen in a deposition. It was possible that a clerk at Goldman Sachs knew that Paulson was rigging GS's affiliate mortgage brokers to produce "sure-to-fail" paper. All they had to do was ask... They didn't. We saw that coming, didn't we?
Killing a case before discovery or stopping state AGs through federal preemption is the new normal. Luckily, these few AG's were investigating issues not preempted. I'll bet 99% are being threatened now. 90% may come to regret it and compromise. They may get preempted by rushed legislation in the next two weeks. This may create a hero too. Time will tell.
This all depends on what the meaning of is is.
i have had some pretty shitty jobs in my life but
this kind of employment is a disgrace to humanity.
just saying, and this is what the gdp is based on.
we need to think about that for a second. eeeccchhh!
ok, lets move on.
.
nat king cole
http://www.youtube.com/watch?v=fxEmnxiUz8w
http://www.youtube.com/watch?v=JErVP6xLZwg&feature=list_related&playnext=1&list=MLGxdCwVVULXc4I9UtzCjOFFq8D0mJgkWI
Even (and especially) if you don't have a note with BAC or C or ??, you should write a letter demanding an original copy of your note; in fact, everyone in the United States should write a letter to any bailed-out, extend-and-pretend bank demanding an original copy of your note............even if you rent........even if you're an illegal alien.
In the ball park of this topic, I was just shocked to see Suze Orman on late night TV instructing an underwater homeowner who got put through the bogus "trial loan modification" game by her bank to stick it to them: bank your money, stay in the house until they throw you out, accept no offer of a refi unless they reduce the principle to market value and if they don't like it, screw 'em.
That's the advice of famous tough love advocate Suze Orman.
It's a brave new world. Glad to see that the old girl's trying to stay relevant.
http://www.youtube.com/watch?v=sDkhzHQO7jY&feature=related
.
George Carlin - We Like War
Can a "corporate resolution" take the place of a power of attorney? Seems unlikely. Doesn't that mean the contracts were never legally executed, because one of the parties involved was never legally authorized to do so?
The other side of the loan doc issue is that I would wager more than 99% of the borrowers never read the docs, either. They were told to "sign and you'll get your house," with no understanding of what they were really committing themselves to.
Isn't there case law in the US which says that if one of the parties to a contract can be shown to have no possibility of understanding it, that it is null and void?
http://www.youtube.com/watch?v=eyWsFfd9pqE&NR=1
.
YOU HAVE NO RIGHTS - George Carlin
http://www.youtube.com/watch?v=hWiBt-pqp0E&NR=1
That was great. The man was a brilliant social critic.
well i was having a real F U N day cupcake, until george taught me i probably really don't have any rights. he is brilliant, hope he and HST are together circle jerking. just found out what that one means. do men really do that?
Think: campfire-ghost-stories, snipe-hunt, circle-jerk.
You gals miss out on a lot of really meaningful stuff -- sorry. </sarcasm>
The problem cannot be solved, because the courts will simply dismiss and throw out cases. The judges today are almost totally 100% bought and paid for by the governments and large corporations, regardless of whether they are elected or appointed.
No solution to any current problem is possible until just regular folks set up their own justice system and prosecute and punish the 10 million or so predators in on the current racket.
I advise every single one of the 25 million folks who are "underwater" to stop paying their mortgages, and continue to live in the house until the bank forces you to leave. Your mortgage was collatoralized by your down payment, and it was the banks that specified how much down payment they required to protect their financial interests. You are not cheating anyone... the bank will get back the house when the whole process is complete, just as provided by the terms in your loan agreement.
Furthermore, everyone should avoid letting a single penny of their wealth fall into the hands of financial companies or any level of government, unless you cannot avoid it. Exit ALL forms of paper wealth, including stocks, bonds, dollars and conver that wealth into real, physical, durable, valuable goods like gold, silver, platinum, palladium, nickel, seeds, farmland and anything else that has utilitarian value and tends to hold value over time.
Crash the entire system. It is 100% pure fiction and fraud.
BTW, is it just my imagination, or is the quality of the conversation dragging in the gutter a bit lately... :-(
Hey, if there are trolls on this forum - just don't feed them.
Chill dudes and dudettes.
I prefer the term, "duditza," myself.
And no, I'm not gonna chill while some idiot pretends to be me.
It is wrong.
It is a big deal.
ZeroHedge should do something about it, namely, immediately remove the accounts of JonNadler and Hulk. I don't tolerate wrong very well.
Well you are on the wrong planet then aren't you.
Best of luck with that...
Priceless. LOL.
Here's a great article about foreclosure "miscues" in Colorado:
http://www.denverpost.com/business/ci_16601567
Then, of course, the condition in Vegas, baby! 80% underwater.
http://www.lasvegassun.com/news/2010/nov/11/report-80-percent-las-vegas-...
I think we now may be able to put a timeline on the mortgage mess and the economy in a kind of dual-modality work-out (I don't know what that means, but it sure felt good typing it.)
And a tip of the hat to Recision, above (great moniker, BTW), on the quality of conversation turning gutteral: Yes, and we like it that way.
December, 2010: Congress passes law making MERS legal in all 50 states retroactive to 1995. In a celebratory mood, banksters set foreclosure record with 500,000 new filings just before Christmas.
January, 2011: America awakens with wicked hangover, collectively turns on Ipods, goes back to "sleep" mode. QE2 exceeds $200 billion.
March, 2011: Courts across country are granting summary judgments to banks on foreclosures so fast they have to hire Crystal Moore and Byron Bly to sign decrees for them. Eric Holder is reported to be in Bermuda.
April, 2011: Courts are so crowded with foreclosure filings and appeals, attorneys fees account for 20% of GDP, which helps stave off double dip. Obama hails this as a "triumph of American ingenuity." QE2 exceeds $400 billion.
May, 2011: Appeals of foreclosures challenging retroactive MERS law reaches Federal district court. A judge finds the law to be unconstitutional and a day later is found dead in bathtub, apparently electrocuted by Ipod. Eric Holder is rumored to be in Thailand.
June, 2011: Appeal reaches SCOTUS, Antonin Scalia recuses himself on grounds that he isn't through with his plate of rigatoni, then dis-recuses himself after finding sufficient amounts of grated cheese and selling 400,000 shares of JPM. Hair on fire, he leads 5-4 decision affirming unconstitutionality of the constitution, stating in his decision, "all your homes belongs to us."
Eric Holder is located on beach in Antigua, determined to actually be Angelo Mozilo.
With constitution declared unconstitutional, Obama, GW Bush, Jamie Dimon, Matt Damon, 101 Dalmations, Hoover Dam, Damn Yankees, Yankee Doodle, Google, and Charlie Munger all proclaim themselves King.
QE2 reaches $800 billion. Ben Bernanke announces QE infinity, Dow goes up 2500 points in one day, states begin to collapse from lack of property tax revenue, rioting in places as diverse as Beverly Hills and Scranton, PA ensue, martial law is declared by everyone with a gun at once. America goes on killing spree. GDP falls by 60% in 2Q, but the BLS calls it positive according to their birth-death-death-death model.
August, 2011: China invades from the West, Al Queda bombs most Northeast cities. Nobody cares about the Southern states, where slavery has been reinstated. Dollar index falls to 23.12. Ten dollars now buys pound of rice. McDonald's keeps $1 menu, though burgers are only 12 grams, all fat.
October, 2011: China declares victory. Government nullifies all property rights, except Indian casinos. Foreclosure problem solved. Tom Delay is named "roulette czar," replacing the Fed and Bernanke.
Yahoooooooo........
iF ONE IS CONCERNED THAT THE GENERAL PUBLIC AR EGETTING THIS INFORMATION REGARDING THE FORECLOSURE SCAM, ONE COULD RIGHT UP IN EVERY "REPLY" BOX AVAILABLE ON ALL THE MAYOR msm NEWS WEBSITE PAGES.
This crap never ends. You know what pisses me off even more? The fact that now we have a court reporter, lawyers, judges all sitting around getting paid to go through all these BS discovery depositions.
So let me get this straight:
1.)The faggots on Wall Street make billions securitizing these mortages, front running the Fed and the markets, thanks to the Faggots (Ron Paul et al excluded, with apologies) in Congress.
2. Then these faggots make 10s of billions betting against these bogus products. The Goldman Sacks, this means you
3. Then these faggots get more money from the govt to bail them out....I don't want to hear the words "Taxpayer Bailout" because it is present and future taxpayers and non taxpayers alike who will all pay through a reduced standard of living, wiping out of savings, debauching of the dollar. and gross perversion/distortion of any of normal economic forces or incentives. (This is just the second last corn cobb up the ass for the "non-elite" Americans.)
4. Now we are going to have to pay lawyers and the "legal system" billions to go through all the BS depositions and other discovery, and then spend years wrangling these through the court system. I listened through about 30 seconds of the first deposition and got so pissed off I posted this. This lawyer loves all this too as he gets to earn beaucoup bucks as a late Monday morning armchair nonquaterback who also has never done a productive thing with his life. Hey people, if you have nothing productive to offer society, then you should go back to the farm and be self sufficent. Yeah, I know it's hard work. Tough!
NOT A GOD DAMNED BIT OF PRODUCTIVE WORK BEING DONE HERE!!!!
(Actually it is counterproductive, since I am wasting my time typing this--but I like to have some idea in advance how I am going to get screwed -so I keep up with zerohedge.)
We shuffle financial paper, live off of the legacy of those who fought, died, and otherwise survived the ravages of WWII, which allowed US to establish itself as an economic powerhouse, complete with the dollar as the reserve currency. Now all these useless people in finance, law, real estate, and government are on the verge of wiping out all these scarifices in a generation or two.
I tell you what,
They have established these "Rocket Dockets" in places like Jacksonville FL (I think reported by Karl Denninger on market-ticker.org) whereby any "due process" is bypassed so that these Faggot bankers can forclose and collect an extra few pennies on the property en masse. (Remember, they have already been "made whole" through these bailouts.)
So let's cut the crap with these quaint depositions and get some rocket dockets for all these wall streeters, banks, and other parasitic people.
So, Zero Hedge bloggers, how's your day going?
Evidently there was productive work going on.
You got pissed. For a short while some fog lifted, enough to put a limp in your own march to the (American Dream) drummer. The distillation produces the word "growth". Doesn't really matter if it is implemented as compound interest on 'money', or if it is implemented as 'unproductive' activity of legal quarter-backs. Crystal wasn't really his target.
The 'gun' got loaded at YouTube, which in many ways is the modern soapbox. If you are still pissed, at 'dialog' with the 'talking bears', that goes viral, and dismantles trust another notch speaks directly to TPTB.
the rico rocket docket. first good idea i heard in a while.
http://www.youtube.com/watch?v=YzEs2nj7iZM
.
George Carlin The Ten Commandments Broken Down
.
http://www.zerohedge.com/article/welcome-machine
BeHoLD THe MONIAC
that one was so damn funny. i really never bought into these 10 rules, especially now after hearing him. who do you think our new GC is today? zerohedge, tyler, blindman maybe william the 7th.
When your a bankster your a gangster from your first ponzi prankster till your last dying days.
Put a rocket docket in your pocket. Keep cool man.
http://www.youtube.com/watch?v=ycTwZh4nBt0&playnext=1&list=PLA203CCA6937...
Robo-lisa, Robo-lisa, men have named you
You’re so like the lady with the mystic smile
Is it only ’cause you’re a fraud they have blamed you?
For that mona lisa strangeness in your smile?
new lyrics for the tune "mona lisa". for my girl crystal
. "robo lisa, mona signer"
.
robo lisa, mona signer , men have blamed you
you're disliked for all the fraud stuffed in the empire
is it only cause your lowly they have named you
in the deposition, due to strangeness in your files.
.
do you sign to make your rent robo lisa?
or is this fraud elevated to a work of art?
many thieves leave their sheen on your doc's there
many lies there, and you sign there.
.
are your fingers made of steel robo lisa?
now press them through ntc's chest and crush it's heart.
mona signer , robo lisa .
.
Very nice, Blindman, very nice!
Hey, I wonder if Lisa is actually her real name.....I'm sure Crystal is just her stripper name...ha ha!
simply brilliant blindman.
tnx, i like it too.
GHD australia is authorized ghd outlet brand online seller provides all kinds of ghd hair straighteners. Such as cheap ghd ,
ghd iv styler, pink ghd etc. GHD styler can make you life more confidential and colorful. Welcome to http://www.ghdstyle-au.com http://www.uggdiscount-boots.com
Welcome to our website-- http://www.ugghots.com , we are making the promotion for many uggs now.Here is a chance for you that you want to buy good ugg classic boots by cheap price.At present our hot sale snow boots has :
| UGG Delaine Boots
| UGG Gaviota Boots
| UGG Gissella Boots
| UGG Evera Shoes
| UGG Upside Boots
And imagine all those families pushed out of their homes without even one second of compassion from those signing the documents. So much abandoned overgrown Venice FL real estate.
After asking if they actually had the mortgage note on my house, BofA wrote me a letter saying “you cite no claim that you are entitled to view the original Note, and we are not aware of the existence of any such authority. Accordingly, BAC declines this request…if you wish to pursue this matter, please provide such legal authority.”
translated this means: "we have absolutely no idea where it is, it was probably shredded years ago."
anyone have the links handy as to the proper response (the legalese) or what should be included in my response?