How to fight a giant RE fraud?

Hi, brothers and sisters,

I'm new to this forum. I've been experiencing pure HELL during the last 2 years of my life, due to some mistakes and my ignorance. I've visited many sites and read some books. I need education, HELP. I have chosen your forum to post my questions/concerns, not only because their members are educated, smart. They also explain things in plain, simple English. I also love the "Suijuris" concept and hate the "Pro se" one.

I want to expose my situation by parts, due to may inability to untangle the maze and present it in a coherent, comprehensible way. Some things I know (about the fraud), many I don't. I don't know how to start, since RE transactions are complex and have many faces. I am posting in the MEMBERS ONLY section due to some paranoia feelings witch I believe have real, factual basis (it's said that's part of the symptoms). Ill just start with simple questions and bits of information, hoping you could help me by answering them and giving me some hints/desperately needed information.

I won't hold anything against you. I know you are not lawyers. I hate lawyers. Please, forgive me if some of you are: My hate has a COLLECTIVE nature; surely, many individual lawyers are morally fine and wonderful individuals. I just don't personally know any capable of hating the legal stablishment as much as I do.

Brief introduction: My elederly father transferred the family home to me. I applied to take a loan under my name to pay for the amount due (around 100K) on the old mortgage. No exhange of money. It was an act of love. We live together and I take care of him and of my little girl. Since I had been making the payments on the old mortgage for several years already, the transfer only meant peace of mind for us. Dad's health has not been excellent and he was concerned about his child (me) I was also concerned about myself and my own child.

"They" recorded the transfer as a sale for almost 200K (doc. taxes and other charges on me, of course). I have asked a copy of the FL DR219 form, twice, in writing, Cert. Rec. mail. NO ANSWER. According to law, DR219 forms are nonrecordable instruments (learned the hard way). I did not even know this kind of doc. Dad and I, or Seller/Transferror and Buyer/Transferre, have the right to see a copy of this document- their own law. The FL Department of Revenue is nice over the phone but it does not answer my letters.

I have been on top of my credit reports since the beginning of my nightmare. The Lender and the Servicer has given me problems of all kinds. My attitude has been belligerant. But a few months ago I decided to go "Chinese War" and keep myself invisible. I know they believe I'm already tired, since I have made unbelievable efforts to keep my home (almost 500K market value at the present) away from what I believe it was a preplanned foreclosure.

In my last report from one of the credit agencies I found the balance of my home to be okay, according to the loan I got (for the original 100K). But a note was added there now, first time added, since i pull one zillion credit reports a year and i know it was not there before.

This is the note: "Puchase Money Mmortgage" added to my present balance as something taking place at the beginning. No figure appears for that in credit report.

I looked into some definitions. They all read more or less like this:" [b]Purchase money Mortage is an instrument used in seller financing, a Purchase Money Mortgage issigned by a buyer and given to the seller in exchange for a portion of the purchase price" < I always knew about this part, and even have proof of it; but it was never shown like this to me ot others. I gave my proof to the FBI and other agencies and never mentioned to the company in a clear way, since I did not want to disturb the gov. agencies investigations. I have realized almost all gov. entities are corrupted and protect the banking industry and the corporations. In other words, i now believe It was stupidity to wait for the FBI or IRS, or DOJ, etc. investigations to help me. I believe they don't care and won't help me.

Dad and I never signed anything like that. We never got any money.

What are the legal implications (dangers) of this "Purchase Money Mortgage" instrument? I read in some places that the alleged identity who provided the "money" for this, is usually undisclosed in court papers. In case of foreclosure, I read, any Judge would give preference to his interest on my property without further discussions. In sum, he is the owner of my home, and the owner of my family, the owner of my life, and, in case "they" decide to foreclose on me, I would have no legal ways to argue this fraudster away-those readings say.

This is the first question/concern of the many to come. Please, educate me. Please, help me. I need a lot of knowledge, some faith. I also need to regain some weight.

I have little knowledge. Hence, I've been doing things slowly because I don't wnat to make fatal mistakes due to my ignorance. But I KNOW NO FEAR.

Please, talk to me. I need you all.

If you are not already in foreclosure, you could pursue a Quiet Title action.

From my understanding, this establishes your claim and your title to the property, and gives anyone else the ability to fight that. You can pursue discovery, and use that to your advantage.

Have you looked at a quiet title action?

Are you in foreclosure?

HB

P.S. Welcome.

No, I am not in foreclosure. Not yet. They have been trying to; but I have done some bold movements to prevent it. I know that's their goal and the reason why I decided to go "Chinese" war. i wanted to give them the impression that I was about to give up the fight. Wrong! But I believed that would make them take some steps against me so I could take some actions to break the inertia (they had been just waiting for me to get tired). I was right! After that, they have doing somethings believeing i was not going to notice them.

Examples: My insurance carrier sent me a letter telling me it was a change in the policy, "Change of Mortgagee". I called my Insurance people (I did not call them, since playing stupid is best to encourage their actions) I asked about that to my agent. The agent asked me if my Servicer had transferred my mortgage to another Servicer: I said, "No, and if that's the case, I hae not being notified". At the same time, my Tax Authority sent me the the yearly tax bill declaring in their statement that my "Servicer" had requested a copy of my tax bill, under my loan account #%^&&&&@)! (wrong number). The 2 things happened simultaneously. They have always asked for that tax info. i have no scrow account and pay my insurance and taxes myself. I had got them to remove a previously imposed illegal scrow account (since due to the equity on my home I was not obligated to have it and did not want it). they had previously undercalculated that scrow account on purpose, to be able to apply money from my payments to Insurance and Taxes. That would give them the opportunity to make my payments lower than my regular monthly mortgage account. You know what usually follows, reported late to all the bureaus and after 3 months your home is gone!...They kick yor family out and sell the house at a discounted price to a ghost investor which is a "foreign investor" -they forgot that document or FIRPA (I think that's the name of that doc) in my fathe's file (another proof that I sent to FBI and to the IRS, too busy-now i know-defending the gov. and the corporations, to care about me). I believe they don't want their lovely banks to suffer our rebellion against slavery.

Anyway, all I'm trying to say is that I did and said nothing for months to encourage them to do these things. The only way I could take more efficient steps to solve my situation.I am already very tired; but i know that I'll never give up, no matter what.

They have not gone openly against me-I think _ because i have exposed them very much and discovered the scam since the very beginning. I signed other papers that are not the same ones we had in our files after the closing. Computer crime, RICO, civil comspiracy, forgery, deceipt, you name it. All kind of crimes, and i have proof of almost all of it. Only that I did not expect the gov. entities to be so indifferent. Now, I believe our gov. is to protect corporations and not us, the people. So, I have lost some precious time because of my naive nature and my already lost innocence, if you know what I mean.

Since i don't trust the courts and don't want to get involved in civil litigations. Civil court deals with docs and contracts and corporation fabricate all those they need to always win the cases. I don't want to prove how guilty they are and/or how innocent I am. i would like to use some discreet non confrontation technique, if such a thing exist. I have a few pennies and those bankers have millions. I only have the time of my life that I am wasting and the health I am also loosing.

Any way, What exactly means claiming Quiet Title? How do you go around to get it? Keep in mind gov. and courts are not for us, but for the fraudsters. How do you force them to accept your Quiet Title claim if the institutions and courts that are supposed to protect you don't even look at your proof?

What's the procedure? Exactly?

Another bit of info: My tax authority did not recognize the sale after I sent them an Affidavit signed by my Dad and me. It does not look as a sale. Only the original sale is reported in their records (back to 1992). My town Recorder's house, however, has ot recorded as a sale 2 yers ago.

Thanks for talking to me and offering your feedback. "Legal" steps, for me, means only the proper ways to remedy my situations or my win in this war.

By the way, ...Quiet T. based on what apsect of the big mess? These companies I'm dealing with (the Lender, the servicer, the Title co. etc.) win cases by not showing themselves in court. They never answer any letter you send them and if they do send you a letter it will always be a nonresponse letter.
Example:

"Question: Do you like Summer?
Answer: There are tigers in Africa"

How do you FORCE them to Discovery. They seem to be masters at elluding Discovery. They know they can't win if they have to produce Discovery? Courts don't "notice" their behavior. The homeowner is usually powerless in civil court.

I ask you to excuse mispellings and curvilinear thinking. Sometimes I open the fridge door to look for a book (things long periods of sustained stress do to your mind)

[sadie]

I know you said have already reported to the FBI can you also report fraud to the CRA on this item and get them looking into it?

What about a local radio or tv station, newspaper exposure?
Approach them with investigating what you believe to be a SCAM on the elderly. Sounds like it is.

That worked in MA for an elderly lady who got shammed in a scenario to do with her transferring the house - ending in foreclosure and eviction - story on the evening news.

It got the media attention needed for some people to come forward to investigate and straighten out the matter. Sorry I don't have all the details, I don't live up there now. As I understand it she did get her house back.

Thanks for your input; but believe me, I have tried that before. I've learned, the hard way, that the CRA's are corporation- friendly. The bankers are their real customers, not us. If your FICO score is low, the fraudsters can charge higher interests on their loans to you...and..Hummm..that's good for those thieves. Banks give them business, not us, regular people. Besides, have you noticed how the credit reports are always full of errors?..Almost always against the consumers?....Too much of a coincidence! Concerned consumers spend a lot of time and money fixing those errrors.

I'll tell you what: I spend around $90 a years on each credit agency to be able to pull out a credit report on myself,without hurting my score, on daily basis if I want to. I am the Queen of Disputes. I check them all:Experian, Equifax, TransUnion, and the famous black bureau, Innovis (this one has no Internet service and only collects negative information about you) If you pay all your accoouns on time and your credit history is flawless, chances are you are not in their databases. Banks consult them all, but Equifax and Innovis seem to be their favorites.

I have tons and tons of paper trails related to the CAs. You can dispute wrong items up to 3 times. They give no explanations unless you use FTC and others as witness (always CC every dispute to others). My mortgage Servicer made 2 hard inquiries on me to Experian, in one single month (hard inquiries DO mean you are asking for money -as in a new loan for housing, etc.- and they DO hurt your score). A lower FICO score and its implications (all your credit card companies will use it as an excuse to raise your interest rates) are only a little disturbance if you compare it to the fact that some thief is using your identity to steal big money by using your social security #.

I disputed with the Mortg. company who always plays "I don't know what you are talking about, and we never did what you say, and besides, we don' ever understand what you mean", and with the Credit Agency, Experian, in this case, one thousand times. I filed an IT Affidavit with the FTC on line, and a police report. No results. Then, I sent the credit agencies a very mad email with cc to FBI, DOJ, FTC, you name it. Then, they removed the hard inquiries; but no explanations. They would not give me the explanation...so far; they will, soon ... or else! By the way, they made me laugh by mailing me a letter stating that "third parties are not necessary to resolve differences between us"

The County Police asked me if I wanted to press charges against the bank but I hesitated because I don't underand what "pressing charges" exactly means in this case. I'ne never pressed charges against anyone in my life and my judicial knowledge is none. I'm talking about the real life implications of such an act.

My father is old and sick, very deppressed. My little girl is just that... a little girl,...and I'm fighting this kind of SOLO fight against those devils, not to affect them. I am not afraid for me. I'm afraid for my family. So, I act slowly and carefully. I am not too educated... but the Good Lord gave me a lot of imagination.

The FBI, a few months ago, reported to the media some findings related to corporate fraud. Notice that in that report, FBI is concerned about the money corporations are loosing at the hands of individuals. I reported the crime to FBI. since the beginning, more than 2 years ago, proof attached, to regional and national offices. So far,..nothing. I am about to write a letter to the national person in Washington (name omitted here but very famous) to hold him accountable for whatever I've been coping with, and for all the damage my family is suffering.

They (the gov. and the corp. involved) are waiting for my family to be destroyed. They want my little girl out in the streets, they want my father to pass away in a hospital, saddened for all of this. They want me to sleep under a bridge be raped for a few barbarians that will not kill me but will give AIDS, break 20 bones, and leave me alive so I can experience the deepest misery.

I believe that the corporations all and the gov. institutions help each other. I believe, now -my belief was different before- that there is some kind of preplanned slavery for the American people. All of these, I believe, as a result of my experiences during the lst 2 years of my life.

The media is also on their side. Has you noticed that, usually, when the journalists write some articles about victims of White Collar Crimes, the victims admit they made some mistakes (did not read the papers at the closing, did not send some payment on time due to lay off, etc. etc. ). In other words, it's always the victims fault, in those articles. Keep in mind newspapers get their funding from corporations.

I know you are well intentioned and really thank you for the time you took to offer your feedback. However, I'm looking for a non-confrontational way to kick the b...s out of my life. For the now only, so I can protect my family.

If I get protection for my immediate family...after that....well...what's that saying about the fury of woman? I don't remember. But those b...s don't know how much lava I have in reserve withing my telluric nature for them all.

Thanks again, and please, don't let this matter fade away. It's not only me, too many are experiencing this sort of crimes and can benefit from your feedback and all these discussions. :smile:

Originally Posted by Eureka

I'm looking for a non-confrontational way to kick the b...s out of my life. For the now only, so I can protect my family.

Tell you what, let's make a pact. If you find this, let me know, and if I find it, I'll let you know.

I'll tell you this: I recorded some Affidavits in my County Recorded Docs house, after I had tried to clarify somethings with them. I have done somethings like that (attacks to their flanks and not to their faces).

I have not been afraid to expose them in Public Records. Since I did record those docs first, a judge would need to consider them before they move to foreclose on me, when and if. THAT HAS STOPPED THEM! Oh, God, not expensive, and easy. It's certainly risky; but I have all the proof and they are afraid of me because of that. Will you tell this is a face-to-face attack? No, it's not! Only that I am tired, and wan to live my time (our only real possesion)And they are waiting for me to make a mistake or have a "big" problem. In that case, they would move against me YESTERDAY!

I have done other things like that. Small fists against their flanks prevented them from imposing forced place insurance, raising my ARM loan interest, etc. I think I know how to finish them; but not in any court. Civil court cares only about contracts, not justice. Criminal court takes a money and a time I don't have, and the settlement is always nonbeneficial for the victim. I want them to remove themselves out of fear to more exposure. I know they will.

Some things I can't talk about because it would not be smart to let them know now. Many things I have to learn: Hence, I am here, talking to you, listening to you learning from you.

At this point, I know that arguments, complainst, and demands are useless. They buy lawyers and judges. I won't argue with them. I won't use their tactics.

I'll let you know as I get my results after I get them. In the meantime, I'm sharing with you and making you questions, if you don't mind.

[seeker]

Might we suggest that you take a look at several of the VoD threads and find out how to best utilize the CRAs? I know you said you spend money to pull your credit reports at will, and (think) you can only dispute an item three times, but there in lies your problem! DO NOT DISPUTE!!! Ask that the CRA VALIDATE the information as reported! Tell them you are not disputing, but validating the information to ensure that you have not been a victim of fraud. Without their validation information, you cannot ascertain the correctness of their information, and could proceed as needed, in the face of fraud, if necessary. As Jerseee, says, let them do their job, and keep it in front of them until they do! cute-chick and I have an on-going thing with the CRAs and their validation process. Check these out and use them. By disputing, you are argreeing that the debt is yours. Back up and tell them you require validation to check if it it indeed, yours. Then you will be able to take appropriate steps. Push them for the validation, because they will consistantly take the laziest, easiest road out of the forest. Which, of course, is not the best one for YOU.

I hope this gives you an idea of another card in your hand to hold back for future use. If you can get the CRAs to admit they cannot validate, they have to delete, if they delete you have third party evidence that it is not your debt. You made reference to a wrong account number. This should be an easy one to get deleted. Just keep asking them what, when , where, how? By whom?

Seeker

Thank you. I had not realized that before and it is exactly what I dont want to do..DISPUTES. I will read those threads right now and do as you say. I will ask validation of those things. Thinking abou it, .. Could I ask validation of the different account numbers they have used for my loans too...and even the number they have sent to my local Tax authority inquiring about my taxes....And the diffrent number they provided to my Insurance agent so it would not match the loan number which was also changed into a different second number...with cc. to the Bush family and all their friends.... what do you think... What do you think...It sounds like new fun to me or a more compromided situation to them...You are a genious, Seeker.

I am using a french keyboard now and donot know how to use the graphics for English marks like question marks, etc. I hope you can tell apart questions from excitement. First things first...reading.

[seeker]

Look in the thread and in the downloads for a VoD -- the point is to keep your request VERY SIMPLE! Do NOT go into specifics! Just very simple say, "please verify the information you are reporting." DO not ask for specifics -- just ask them to validate -- and after you get them back, ask again. The first one I got back actually deleted about 26 items (see Success Stories) -- Proves the old adage - Keep IT Simple!

Good luck!

Seeker