Countryboy JJ
Rick Barton
Skyler the Weird
Jack Brosch
Wiley Coyote
I Told You So (MERS)
Remember MERS? Remember how I’ve told you it destroyed over 300 years of land records in the US? Remember how I told you it was owned by the largest banks? Remember how I said you may not own your house or may not be able to sell it? Remember how I kept asking why we are still paying our mortgages?
What follows is the Executive Summary of an audit commissioned by the Registrar of Deeds office in Williamson County, TX.
The audit covers two years of foreclosure’s between 2010 and 2012. Reading the numbers, they found fraud in virtually 100% of the 27% sample, including “Wholesale document fabrication.” In laymen’s terms when the banks didn’t like the paperwork they had or didn’t have the paperwork at all, they just made some sh*t up and submitted it to the courts. If you can stomach it, read the whole audit here.
Folks, I started hollering about this four years ago. I have done everything I can to get politicians, judges, attorneys, and you involved in this. In that time I’ve watched friends lose their homes, others short sell, and know hundreds of others who are stuck in their homes due to being in upside down mortgages, while knowing that virtually everyone who bought or sold a home since 2002 is at risk. EVERYONE.
Meanwhile, the banks who perpetrated these crimes – and the government who encouraged and allowed this to happen and subsequently has done nothing about it – continue to take our money in both mortgage payments and ever-increasing taxes in order to cover the bailouts while funding the difference through money-printing and debt.
And yet, of all the people I know, I’m the only person I know personally who told my bank to go jump in a lake when I simply refused to continue making my mortgage payments after they failed to show me the documents I requested. So, when I continually ask, “Why are we still paying our mortgages?” and you continue to send in your payment each month, you are CONSENTING to being financially, legally, and morally raped. Are you that scared of your credit report? Are your principles that weak? Are you really ready to allow America to collapse into a land where this acceptable? Voting will not change this. Revolution will not change this. Ignoring it will not change this. Bitching and moaning will not change this. The only peaceful and lawful thing that WILL change is simple: Quit making your mortgage payment and turn the house over to the bank. But I know you won’t. We the People don’t make any hard choices until we’re forced to. It’s the American way.
At this point all I can say is this: This country, not because of crooked politicians and CEOs, but because of the lack of will in the people to make peaceful and lawful changes – deserves whatever it gets. Collapse, violence, a long protracted slide in the ash heap of history, or whatever happens to people who are too freakin’ lazy, ignorant, or stupid to stand up for themselves.
So, in one county, in one state, in two years (AFTER the crash), at least 1,576 people lost their homes due to one thing: FRAUD
And you still think you might escape this?
So, who owns MERS? Oh, just some of the folks we continue to bailout and do business with. . .
Bank of America
CitiMortgage, Inc.
Wells Fargo Bank, N.A.
Royal Bank of Scotland
JPMorgan Chase
Fannie Mae
First American Title Insurance Corporation
Freddie Mac
GMAC Residential Funding Corporation
Guaranty Bank
HSBC Finance Corporation
Mortgage Bankers Association
PMI Mortgage Insurance Company
SunTrust Mortgage, Inc.
http://www.mersinc.org/about-
We need your help! If you like PunditHouse, please consider donating to us. Even $5 a month can make a difference!
Short URL: http://pundithouse.com/?p=13025
Please post the requests you made to your bank/mortgage company, of course with personally-identifiable information redacted.
Like or Dislike:
0 
0
Joe,
My case is my business, However, in making every reasonable good faith effort with my bank, I can assure I submitted the correct documentation as a Qualified Written Request as per RESPA no less than five times. In short, I requested:
1) A personal review of all original documents I signed in “wet ink”
2) A personal review of all documents related to transfers of assignment (meaning, the paper trail behind every time my loan was sold)
3) A complete accounting of every dime I had paid
4) A complete accounting of payments to whomever I owed the money to (meaning, I wanted to insure my payments were being properly made to whoever it was that owned the loan).
They flat refused every time. This led me to believe they either:
A) Didn’t have the original documents (which is a violation of law), or,
B) Had the documents and realized there were problems with the documents or their adherence to the terms within those documents (which is also a violation of law).
So I politely told them that without knowing who I owed the money to or that the proper party was being paid accurately, I could no longer pay them.
And I didn’t. Were there consequences? Sure. But I will face my maker knowing I did the right thing.
Like or Dislike:
0 
0
Thanks.
Like or Dislike:
0 
0
I am NOT a lawyer and this is NOT legal advice: when involved in a lawsuit a couple of years ago involving payments on a loan, I deposited the money in an escrow account. When the judge heard the case, I told him what I had done and this portion of the case was settled in my favor. DON’T use this to avoid payments and things are more likely to go in your favor.
Like or Dislike:
0 
0