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"Where's The Note" Update
SEIU or not, here is a status update from Where's The Note, as the recently launched campaign to request proof of mortgage note existence approaches the 20 day limit by law within which banks have to respond to all properly-submitted verification claims.
Heard Anything?
When news broke that Wall Street had made a total mess of our mortgages, we launched a website that let homeowners ask their bank a simple question: where's my mortgage note?
By law, banks had 20 days to respond to your request. We're coming up on 20 days - can you give us a few minutes to tell us what you've heard? Click the appropriate link:
- My bank sent me what they claim to be the original note.
- My bank responded, but did not send me my original note.
- I haven't heard back from my bank.
We've already started to hear back from some of the 200,000 homeowners that have gone to our site. So far, the responses are troubling.
Some banks claim they have no idea where the note is. Others have sent what they claim is the note, but closer inspection shows that it's a completely different document.
But, the most troubling of all is the response that many homeowners have gotten from Bank of America. They're telling customers they have no legal right to see their own note. Think about how absurd that is; your mortgage note is a contract you signed with your bank - and they're telling you that you can't see it?
Did your bank give you a similar response? Click here to alert your state attorney general: http://action.seiu.org/page/s/investigate
We aren't going to get to the bottom of Wall Street's mess overnight. But step one is alerting the authorities if your bank fails to honor your request in a way that you think is acceptable. And if there's any hint of possible fraud, it needs to be investigated immediately.
I'll send you another update once we hear back from other homeowners in the same boat as you. If we're going to keep paying thousands of dollars to these banks, we have every right to demand some shred of accountability from them.
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without alloidal title...we all be renting...fee-simple=rent, if you no pay taxes, you no have house...just sayin'...and just try to drill a well within city limits (I tried).
If everyone listened to your advice there would be no one to rent from.
More rag on KD, cuz I forgot it last time.
KD thinks the system can/should be changed in one election cycle. Never states that, and never assumes future votes.
Politically, KD is a Douche that voted for Dumbo.
so?
Can you say you never made a mistake, never believed something may, or may not, have been true?
Didn't think so....or you are lying to yourself.
Die, Lib Mofos, die!
Write another 200K words about this matter and it will be for nothing.
Let me tell you how this ends:
Lawyers make a fortune, banks pay fines and penalties and receive additional allocations from big daddy to stay solvent. Bank executives get big bonuses in FY 2011. Foreclosures will pick up and match the pace of the housing recovery funded with free money and non-paying homeowners will get the boot and be on the government dole from here on out.
Jees you guys seem to have no grasp of history. But hey, if you get your jollies fantasizing about justice in this world, well then have at it.
Just keep the tissue around to clean up your mess.
Good summary.
I predict govt trustee of all of this crud
According to Stephen Meister, interviewed on KingWorldNews.com on Oct 21st, lost notes happen frequently and are easily remedied. As long as it can be established that the note was assigned to the bank or investor, they can get a Lost Note Affidavit and the foreclosure can go forward.
http://www.kingworldnews.com/kingworldnews/Broadcast/Entries/2010/10/21_...
However Meister didn’t mention when he defended HR 3808 that H.R. 3808 requires federal and state courts to recognize electronic notarizations, including ones from out of state, that are not subject to the same consumer safeguards as documents notarized in person.
There are some great vids on Alex Jones' youtube channel that tell people how to nail the banks on fraud.
http://www.youtube.com/user/thealexjoneschannel#g/u
Search the uploads for Randy Kelton and Dustin Zacks
I heard that. The guy ducked the issue or didn't understand it.
They can't get around the MERS problem where they traded the note a hundred times among themselves, added it to tranches and sold it worldwide leveraged 40x and then never recorded it or paid taxes to the county where the property is. Boom, no owner with proper legal standing exists. Yes, you can make up a note....but it's still fraud.
F KD, only denigrate him here cuz I'm tired of the 30 day suspensions.
Dumbass does not know what an election cycle is.
He'll vote for Dumbo in 2012, just watch.
Moron.
Still waiting for that INTC gap fill.....not.
Maybe if you could have been civil and pertinent you could have stayed on?
For some you are no more appreciated here than you were there.
Just a thought.
My original mortgage was with Aames and it was quickly sold to Ocwen and than to Willshire. A year later, I have refinanced with Countrywide and naturally Bank of America is servicing my loan at this time. When I asked through wheresthenote.com to see my note, I was told and I quote, You cite no legal authority that supports your claim that you are entitled to view the original Note, and we are not aware of the existence of any such authority.
They have attached the copy of the note of my original mortgage with Aames and they consider my request resolved.
Updated DOW chart:
http://stockmarket618.wordpress.com
The first thing you should do is check how they signed the copy you have.
If it is signed by a nominee like MERS, you have half of your answer.
Next step is a request to verify prper payee based on information in the news.
If no answer is given, next step is letter to your attorney general and ask your lawyer about escrow rules in your state.
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