Wow!!! What a day…..

From the desk of Ken Dost – Sept. 25, 2019

Wow !!! What a day….. 11 years 3 months and 2 days total since the nightmare began. By shear determination and grace of God, managed to stop more nonjudicial auctions than I can count, arrested and put on trial for chasing after an asshole taking pictures of my house charged with reckless driving, and could have went to jail for 6 months I think it was, but found innocent; fought a 3.5 year judicial action by HSBC, through 3 judges, until HSBC got their summary judgment on May 28, 2015. Made it through 3 auctions attempts.  Today though, September 25, 2019, full satisfaction of judgment, that will be almost 700K coming back… and that is nothing compared to all else I will have secured … accounts and lock boxes all over the world … but that is not the important point of this post.. 

The important point of this post is say yay!! We have a path, a Bona fide path to long standing and permanent relief.. it is not entirely done yet, as there are a couple of items yet to do to make it completely bullet, bomb, and Commonwealth-proof. 

It is a good day, not just me and mine, but for who struggle against a system that does not hear, see, or recognize the human pillaging that is taking place around the world. It is a good day cause the route that this despotism travels is now discovered and disseminated.. 

We, as a society, have a lot of work to do to wash away all the deceptions we have made to believe as fact; and to reeducate ourselves to the actual facts.  We are so out of touch with actual reality, that is to say, how the world actually functions in the present times, not how it did in 1933, or even how it was on June 22, 1998. The following day, June 23, 1998, the world as we understood changed forever, with the state street v signature financial group ruling. It was not just this ruling, it is the Legislative Acts between 1998-2002, the enacting of UCC rev 9 in 2001, that same year, by the OCC’s sweeping deregulation and preemption policies. It just so happens that these two major events get dusted by the implosion of the twin towers giving birth to the global war on terror .. 

I have my own ideas as to why, having to do with the expiration of the 1933 bankruptcy and trading with the enemies act, which people mistakenly believe still applies. Neither does though, because of what is mentioned above. You need to understand that the entire economy as you understood it .. mortgage loans, ownership, ordinary courier practices, the decades old economic paradigm, was eviscerated between 1998-2002, just like the twin towers … here one minute and gone the next.., Between 2002-2005 an entirely new economic system was being engineered and laid in place. Our attention was elsewhere, while the business of banking and foreign agent patent law firms were busy engineering an economic coup d’atet, that OCC gave protection to, by preemption.

From the desk of this blog host: If you haven’t heard of Ken or have been following him online during any of his long legal story, it is certainly something to be impressed with. What he has uncovered is an amazing feat to which I am eager to learn more and master over time as he has. I look forward to hearing more about his journey and knowledge of his views of the corruption of the systems that we are all in some way are beholden to. It is through efforts of people like him that for those who live on this blue ball, suspended in a sun beam, that we call home can hold hope that we will make this world a better place.

* * * * * * * * * *

I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!

Thank you for stopping by.

©2014-2019 Doug Boggs All Rights Reserved

It’s back to school time! Part ONE

It is back to school time for many. The shopping for new clothes. The need to purchase new books and other study supplies. Perhaps you need a new tablet or computer to help your brain do its thing. It’s time to leave the comfort of vacation and summer and head into the temples of learning and furthering your education.

With some of my clients and others around the country doing their own hard work in the blurry world of our judicial system there has been some headway in the world of Common Law.

What exactly is Common Law? It is the part of law that the lawyers and judges don’t want you to understand. It is the part of law where you are in control much more than in the “normal” world of our corrupt judicial system. It is the part of law where the Bar Association has tried to keep far away from “the people” understanding.

Well, I found someone who can explain things much better than I on this subject. Let me introduce you to a man named Bill Thorton. So, grab some popcorn, sit back with your note pad and learn.

* * * * * * * * * *

I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!

Thank you for stopping by.

©2014-2019 Doug Boggs All Rights Reserved

Making BooBoos from the very beginning (Bagels at a Bar Mitzvah Part3)

Know that the bank is making booboos from the beginning. So, you want to buy a house. You know nothing about buying a piece of real estate, however, you have watched the neighborhood change with people doing this kind of thing up and down the block. All kinds of people are doing it. How difficult can it really be?

Perhaps, you have gone to a couple of real estate seminars in order to familiarize yourself with the processes of buying a home. You’ve learned that there’ve been more millionaires created by real estate than anything else in the world. You have talked with some of your friends who have purchased their own home. You have read the trade magazines and the Sunday real estate section in the newspaper. You may have gone to open houses and talked with various realtors. You may have scoured the internet sites trying to learn as much as you can about homeownership and why it is known in the United States, as the “great American dream”. You have learned about the tax benefits of​ being a homeowner. You’ve talked with the local banks. You’ve talked with numerous mortgage brokers. After all of this, you are thinking that it might be time to dive in to what will likely become the largest single investment you will ever do.

You decide to go out and find a realtor to help you. What are the reasons you use to pick a realtor for your home buying experience? Is it because they are family? Is it because you or your spouse is the godparent to their child? Is it because you have known this person as a friend and want to give them your business? Is it because they work in a real estate office that is fancy or perhaps they seem successful at what they do so they must know what they are doing? No matter what the reason you choose to deal with whoever it is you decide, know that they don’t know everything. Know that their office doesn’t know everything. Know that they work on a commission. Know that they are human and make mistakes. Know that they are needing business in order to pay for their own personal bills just as much as anyone else. Know that the commission is negotiable. Know that the contract that they will give you will attempt to state that you hold them harmless for whatever information they give you. Know that they may give you information that could become detrimental to your situation. Know that it is possible that you might reach a point in which legal action could come between you and this person. Know that you should do your own research.

Next, you talk with a mortgage broker that you have come to trust. Why do you trust this person? Is it because they seem knowledgeable about what paperwork is necessary to finance a home? Is it because they have stated that they can get you the best rates? Is it because they have been in the mortgage business longer than anyone else you have been talking with? Is it because they were the person who held your hand through your learning curve and you now feel obligated to use them? Is it because they are a family friend? No matter what the reason you choose to deal with whoever it is you decide know that they don’t know everything. Know that their office doesn’t know everything. Know that they work on a commission. Know that the commission is negotiable. Know that they are human and make mistakes. Know that they are needing business in order to pay for their own personal bills just as much as anyone else. Know that they may give you information that could become detrimental to your situation. Know that it is possible that you might reach a point in which legal action could come between you and this person. Know that you should do your own research.

Now, your mortgage broker has found a loan for you and sends to you all of the documents that you will need to fill out and sign. They will probably have little sticky arrows or yellow marks at every place where you will need to initial or sign. Know that there will be paperwork that will need to be reviewed by a notary prior to sending things back to the broker. Once things are notarized you wait for the mortgage broker to deal with the lender for any other questions or documents that might be necessary. Know that within these documents you are signing paperwork to get a loan from a bank. Know that you are also signing paperwork that puts your new home up as collateral for this money that you are borrowing. Now that one of these documents is called the Note, and the other is called the Deed of Trust. The deed of trust is the document that creates the agreement that you are using your home as collateral against the note​ if the lender gives you the money you are requesting. Know that the Note is the document that states that the lender is giving you money and that you are borrowing this money with the full intention to pay the lender back including interest. Know that the lender has included in the deed of trust what is known as an arbitration clause. This means it is their attempt to make sure that you cannot sue the lender in court. Know that the lender has given you a deed of trust with the full knowledge that the trustee in the relationship is owned and/or controlled by the lender and they are not informing you of this issue. Know that the lender knows that the trustee is supposed to be independent in the relationship. Know that there is over a 90% chance that the lender has the full intention of selling your loan documents to Wall Street within 30-60 days following the closing of the loan deal. Know that the lender has not stipulated anywhere in the contract that they will be informing you of them selling your loan, or when or to whom they will be selling your loan to. Know that the lender will not be including you in any of the profits that the lender will earn from the selling of your loan to another party. Know that you are being misrepresented in this loan agreement from the onset.

So, where are you now in this process? You have researched neighborhoods and homes and found something you would like. You have found a realtor who seems to understand what your desires are in a specific kind of home you are wanting and has helped you find this property. You have talked with the mortgage broker and discussed your financial needs and obligations as to what you are hoping to accomplish and can afford. Your broker has come back to you with mortgage documents from a lender to a loan that you feel you can afford. You are now waiting for the lender to decide if you will qualify and receive funds based on their corporate policies and computer algorithms. You have now reached what is called the escrow period.

During the escrow period the lender is looking through your financial life on paper. They are reviewing your credit report, your employment documents, your past taxes, your social media. They will claim that they are finding out more about you than you know yourself.

Now, it’s your turn. During this timeframe, it is my advice to do your own research. It is good to know who you are dealing with as well. Take some time to visit the website of your Secretary of State. You see, every business must register with the Secretary of State when they incorporate. In other words, for a lender to be able to do business within that state it must register with the Secretary of State. This office processes the filings, maintains records and provides information to the public relating to business entities such as corporations, limited liability companies, limited partnerships, limited liability partnerships, and other types of business filings.

In my experience, I have found that there are lenders who will construct loan documents despite the fact that they are not a legitimate business and legally able to do business. Now, you might hear this and think that is a rare thing. How could this be true? This couldn’t actually happen in our society with all of our checks and balances? Know that there are numerous financial institutions across the country that have given out hundreds of thousands of home loans when they were not legally capable of doing so. In other words, these lenders are doing business without the appropriate business license. This means that all of the loans that they contracted for are actually void. You could think that because of this fact the contract which you signed with this company was written on the equivalent of blank paper. The fact is that the business was not in a legal position to do business so by law the contracts that they constructed for home loans are void. Non existence. Unlawful. Illegal. Not valid.

* * * * * * * * * *

I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!

Thank you for stopping by.

©2014-2019 Doug Boggs All Rights Reserved

(10% OFF) Forensic Loan Securitization Audit

I am a Nationally certified forensic loan securitization auditor and am offering a 10% savings on any audits done in the month of September. Schedule your audit so that you can save today!

I work with lawyers and/or private parties to conduct a loan securitization audit or review an existing audit made by a third party. I can assist attorneys to write (13) causes of action against wrongful foreclosures, TRO’s, and other non-judicial foreclosure documents 

Our report will include the following:

Loan Recording at county, governmental housing reporting agencies and financial reporting services; Deed Recording and Transfers; Verification that Assignees on Promissory Note is True and Correct Information Identifying “True” beneficial Interest as per Promissory Note; Disclosures and Sufficiency of Information as per UCC; Securitized Trust Verification; Pooling and Servicing Agreement governing the Trust that holds your Note CUSIP – Identifying the Trust Account; Trust Prospectus filed with the Securities and Exchange Commission Identification of the Servicers, Originators, Trustees and Underwriters; Details of Bond Performance – Transactional up-to-date information Periodic Reporting of Loan Performance in Securitized Trust Client Specific Information – (special requests)

We use a private Bloomberg terminal for the latest search for Non-Agency residential loans by characteristic. Either Loan Number or Original Amount that are provided to perform a search to verify that the loan is inside the Securitized Trust.

Also, I can help provide remote legal transcriber/researcher/writer to provide case document review; research/writing/transcribing for discovery, motions, complaints, answers, appeals, etc., for all types of cases.  

*This service is not offered by an attorney, and no legal advice is provided*

* * * * * * * * * *

I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!

Thank you for stopping by.

©2014-2019 Doug Boggs All Rights Reserved

Bagels at a Bar Mitzvah​ and a CA Boo Boo Part Two

By Doug Boggs July 17, 2019

By Doug Boggs July 17, 2019

I’m a big fan of a toasted poppyseed bagel with butter and mozzarella, but I have never had a bagel at a Bar Mitzvah. In fact, I have never been to a Bar Mitzvah to be able to have a bagel. I wonder if I could turn this into a tongue twister? “Sally sells poppyseeds by the seashore…” What about, “How many poppyseeds can a woodchuck chuck…” Maybe not.

This blog post is a Part Two from the previous post. I want to post herein the original Comment from CAbooboo that I found online in order to reference to what was posted by them. We will dig deeper into the information I want to present after that.

*************************************

I’m new and a forum novice. Since I’ve no one else to ask – am I nuts? I need to post and request input. A couple members gave much appreciated pointers:  
FIRST … My debacle is in CALIFORNIA – a NON-JUDICIAL FORECLOSURE STATE
NEXT …. Details 
Presently 
Auction is FEBRURAY 7, 2017 at 9:30 AM. 
Already filed Chapter 7 (explained below). 
Concluded,after looking AGAIN at notes/deeds/numbers etc maybe I was trying too hard to FIND something. Felt OK … almost relieved. Then … this morning, came across the solicitation below. My question(s) 

Any thoughts about the new owner of my loan? Is it too late to “do” something to save my home? 
If not, what do I “do”? 

Here’s the info: 

According to SACRAMENTO County Recorder’s Office and The Trustee “BARRETT DAFFIN FRAPPIER TREDER”, Auction is set for your property located at 8149 VALLEY ST FAIR OAKS , CA 95628 and will be held on 2/7/2017 – 9:30:00 at  SACRAMENTO COURT HOUSE 720 9TH ST, SACRAMENTO

Lender on file : BANK/NEW YORK M #2006-RZ3 (CE).WORLD SAVINGS

File ID Number : L P19531238
_____
Trustee – Ck Address – Ck
LENDER ON FILE – Bank/New York ?!?  

My loan summary:  
2005 IndyMac construction loan – land was deeded to me
___
May 12, 2006 WORLD SAVINGS Pic-a-pay Loan $412K
_____
April 27, 2007 Loan principle increased $10K in a year since I was paying the minimum
WORLD SAVINGS agreed to “modify” terms to a fixed rate – 5.95 % for 1 yr
May 14, 2007 WORLD SAVINGS – Obtained $100K Equity Line of Credit EOC
_____
June 1, 2008 Fixed interest expired 
WORLD (now WACHOVIA) agreed to “modify” again. 6.95% for three years.
______
2009 Paid property tax ($5200/yr) and insurance separately from mortgages which became difficult. Had been laid off – business attempts failed. Assets depleted. Result – IRS tax liens $75K California~$12K Hired attorney to help.
_____
2011 Income increased. HAMP available Finally qualified.  
____
August 1, 2011 HAMP 1st and 2nd – Wachovia, a division of Wells Fargo Bank, N.A.
_____
2013  Struggled – Self-employed: Health Insurance Agent (100% commission) 
Fell behind – applied for Keep Your Home Ca NIGHTMARE … will spare details … finally
___
August 2014 Finally approved – $23K bring current. Lien for same amount
___
AUG – DEC 2015 Fell behind again on first .. then the second. Fortunate to build next to my sister and niece. Called Wells Fargo – would do what I could to stay. Received assistance package.

Jan 2016 Tired of Merry Go Round. End of January Called to clarify docs needed for roommates – they agreed to include. Was informed file went to Foreclosure because ppwk not returned timely. 
Missed by 2 days. Options: Bring current (3+ mo past due) or
Send request w/ new info (ie rent) to “RE-entry Team” and ask to be re-reviewed for mod.
Faxed. Approved. Back to Mod Team.  

Roommates getting nervous. Friday before Memorial Day, called for status. Told one more form needed. Completed and Faxed.  
June 1 – 12 Received email from Brittany at Wells. Other rep no longer there- file transfer to her. Confirmed they had all docs so waited for decision. 
THEN ….
Received notice of sale June 12, 2016 – taped to the gate.  
AUCTION – JULY 20, 2016 at 2:30 PM  
Tho ultimately cancelled, the NOS caused TENANTS TO ACCELERATE RENTAL SEARCH. They moved in September,a loss of $850/month. Wells Fargo sent letter dated June 29, 2016 regarding assistance – Declined.

NOTE: I’ve posted personal info/events during 2016 under the Foreclosure thread and the Rules and Regulations forum (not correct). Review if interested. Found out there’s a limited nbr of characters for a reply!f

Sooo .. Denied end of June. Had 30 days to appeal. Day 29 – requested more info.
And had another tenant. Sent copy of rental agreement asking to add +$500 / mo to income.
AUG / SEPT / OCT
Didn’t communicate much because my sister rapidly declined (diagnosed in June / died in Sept – I live next door to sister and niece)Knew Wells didn’t care. Started researching. Found Homeowner Bill of Rights and Dual Tracking i

LATE OCT
EARLY NOV
AUCTION DATE – November 4, 2016 at 9:30 AM
Talked to Wells – would they postpone? They were aware, family matters had taken precedence. Now that my niece was alone -really wanted to keep my house. Approaching sale left little time to explore options. Was given same choices: Bring current or request “re-entry”. Almost made re-entry w/ additional tenant – BUT … LOST my other $850 income due to Notice of Sale.  

Frantic – Faxed ltr to “FORECLOSURE ESCALATION TEAM” the day before auction. Cited DUAL TRACKING. Was last ditch effort. Declined to postone – even though THEY owned the loan. 
RE: Dual Tracking Wells investigated my “inquiry” and found no evidence of wrong doing.  

November 3, 2016  Sick to my stomach
FILED CHAPTER 7 at 9:09 AM November 4th
AUCTION SET FOR 9:30 AM November 4th

Sale was halted and postponed to January 6, 2017.
No time or money – did BK myself. Kept researching – REALLY felt something was amiss. BK Trustee extended hearing twice, the last being January 25, 2017. Sale of home postponed.  
FEBRUARY 7, 2017 9:30 AM
Trustee: BARRETT DAFFIN FRAPPIER TREDER & WEISS, LLP 
October 18, 2016 
Letter from Fay Servicing  NOTICE OF SALE OF OWNERSHIP OF MORTGAGE LOAN
DATE SOLD:  9/28/2016  Servicer – Same – Wells Fargo
NEW LENDER
Name  PROF-2013-S3 Legal Title Trust IV, by U.S. Bank National Association, as Legal Title Trustee
______________________________________________
Early November, Wells transferred SERVICING to Fay. Fay sent package and said I had 30 days to request:
1/ The Note 
2/ Deed of Trust
3/ Transaction History
Requested and reviewed ….Note is same – World Savings Bank – Adjustable Rate Mortgage Pick-A-Payment Loan.
Deed of Trust matches county records – Transaction History, dates consistent.
But the loan and holder of the note is the PROF-2013 S3 …. US Bank (as listed above).  

So … Bank of New York? Where’d that come from? Where do solicitors get info?  
Included w/ the Note from Fay, one page (that I don’t have) shows two undated endorsements:
One stamped “CANCELLED” reads:
Pay to the order of The bank of New York World Savings Bank A Federal Savings Bank
BY: Sig Name: Mike Rodriguez
Title: Assistant Custodian Of Records
The other:
WITHOUT RECOURSE PAY TO THE ORDER OF
Wells Fargo Bank, NA Successor by merger With Wells Fargo Bnak Southwest, NA F/K/A
Wachovia Mortgage, FSB F/K/A World Savings Bank, FSB
By _____ Signature ____
Georgiana M. Sieleni
Vice President Loan Documentation
December 5, 2016 Wells Fargo recorded a “CORPORTATE ASSIGNMENT OF DEED OF TRUST”
Done by Xee Lee VP Loan Documentation States – “For Value Received ….. lists World Savings to Wells … “grants, assigns and transfer to PROF-2013 S3 Legal Title Trust IV, by US Bank NA as Legal Title trustee ….” Am I nuts? missing something? Is it worth further research? If you’ve made it this far, thank you very much for your time. Input is welcome. Good night!

*************************************

The first thing someone must do upon receiving a Notice of Default is to ask, “Does your Secretary know you are in business? This question is not something that should be taken lightly. And for Secretary, I mean, the office of the Secretary of State for whichever state you might be dealing with. You have no idea how many times this is not the case.

You see, when a corporation is going to be doing business in any state, they must first apply for their corporate status with the Secretary of State prior to the commencement of their doing business. This status is what helps define what type of tax and liability structure that the company has decided to delineate for itself. This can range from a C or S Corp, or perhaps an LLC or LLP, or even a tax exempt status of a 501(c)(3), better known as a non-profit corporation.

It’s quite simple after that. If they were not licensed to do business and they are writing mortgage contract agreements and deed of trust agreements these contracts are void.

Full stop.

* * * * * * * * * *

I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!

Thank you for stopping by.

©2014-2019 Doug Boggs All Rights Reserved