Author Archives: D Boggs

It’s back to school time! Part ONE

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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.

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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

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

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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.

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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

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(10% OFF) Forensic Loan Securitization Audit

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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*

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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

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

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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.

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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!

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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.

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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

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

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By Doug Boggs                July 12, 2019

I personally don’t know if one might find bagels at a Bar Mitzvah, but I do know of a CA Boo Boo.

I recently found myself lost in a website reading through a Comment thread from a post named “Bagels at a Bar Mitzvah” and came across some interesting exchanges. This process wound me through a few different paths and down some shill filled rabbit holes. It was in that chaos of information that I came across a CA boo boo.

Now for clarity, this CA boo boo was not a code or quotable precedent but a moniker to a commenter whom I then followed a few thought trails. I will borrower this moniker though to help make my metaphor, thank you very much. The CA boo boo that I will be showing in this post stems from California’s SB1638. This legislation that the state Senate voted on in the summer of 1996 made a change to CA Civil Code 2934a that began on January 1, 1998. You can follow and learn more on this issue by visiting my previous post dedicated specifically to senate bill 1638. This legislative debacle helped to create arguments for Fraud and Standing to be viable causes of action to address in any given foreclosure. This legislation also made every deed of trust in the state, since January 1, 1998, void. That is a CA boo boo.

If every deed of trust is found to be void due to the fact that there is no independent trustee then that would bring up the question of Standing. Perhaps an argument in the alternative. Standing, or the argument for the lack thereof, is gaining some momentum in foreclosure courts as of lately. I find it a valuable cause of action because in all of the loan securitization audits that I have ever reviewed from anywhere across the country I have found fraud, forgery, and corruption leading to an argument for Standing, to say the least. Although, an argument for standing vs a ruling in your favor regarding your argument for standing is two different things. Due to corrupt courts, there are no guarantees about anything and therefore everything must be questioned.

What I have found is that most lawyers and nearly all of any Pro Se litigants take too much information for granted as prima facie. The Latin term prima facie means “at first glance,” or “at first appearance,” and it is generally used to describe how a situation appears on initial observation. In the legal system, prima facie is commonly used to refer to either a piece of evidence which is presumed to be true when first viewed or a legal claim in which enough evidence is presented to support the validity of the claim. In the U.S. legal system, there must be a prima facie case in order to commence legal proceedings, meaning that there must be enough evidence at first glance to assume that the plaintiff has a valid legal claim. This does not mean there must be sufficient evidence to prove the claim when filing, as determining the presence and truth of such evidence is the purpose of the trial system. The term prima facie is sometimes confused with the term res ipsa loquitor, which means “the thing speaks for itself.” Res ipsa loquitur may be used to refer to a situation in which the facts make it self-evident that the negligence, liability, or responsibility for damages lies with a party, based on the very nature of the accident or injury.

However, Res ipsa loquitur aside, if you don’t go down every rabbit hole this can come back to bite you in the proverbial ass. The difference between these two terms is that prima facie means there is enough evidence to file or pursue a case. Res ipsa loquitur means that the facts are so obvious that there is no need for further explanation. Let’s look further into that.

In my reviews of countless legal foreclosure cases, every legal team acting on behalf of any financial institution or beneficiary has filed facts as Res ipsa loquitur. When I was put in this position I chose to Respond and argue that nothing is self-evident in a non-judicial foreclosure. This is due to the idea of the self-evidence in a non-judicial foreclosure stems from the check and balance of the independence of the trustee who is ordered to participate in the transaction at arms length. In other words, it was the intent of the court to place the trustee to act on its behalf. This is where the filings of the trustee, as per the rules of the power of sale clause, come into play under the guise of their presumption of correctness. Since it is the intent of the law that the trustee is to act independently of either party in order to best protect the title as per the power of sale clause in a deed of trust agreement, thereby creating the presumption of correctness to any document filed, by amendment to the civil code of the power of sale clause negating the independence of the trustee thereby eliminates any presumption of correctness of the trustee acting as the adjudicating arm of a non-judicial foreclosure proceeding. The presumed protections to the borrower, or title owner, have all but been eliminated when the foreclosing party is able to file any document whether it is true or not in order to quickly and fraudulently foreclose since the trustee is acting on behalf of the foreclosing party. In order for this trustee to act on behalf of the judiciary, it was deemed by the CA Supreme Court to be independent. Because of this independence, it was assumed that the documents and rules to be followed in a non-judicial foreclosure are Res ipsa loquitur. However, since the SB1638 legislative decision in 1996 took away the independence of the trustee in a deed of trust agreement it is a veritable no-man’s-land in the legal lawless world of foreclosure. Res ipsa loquitur be damned. Question everything!

The amendment to CA Civil Code 2934a, due to the approved legislation of SB 1638(1996) gave the banks the power to replace a trustee at their discretion. Remember, the CA boo boo. This simply means that it is the bank’s decision, and no other party to the contract, as to who will hold the position as trustee in the deed of trust agreement. This defies all aspects of basic contract law and the Statute of Frauds (1677). Firstly, because the lender never tells the borrower that the borrower holds no control of their title as soon as they sign the contract agreement. The lender never informs the borrower that the lender can and will sell the borrower’s title on Wall Street and profit from that sale with no financial gain given to the borrower or title holder. The lender never informs the borrower that they could be foreclosed on at any given time for no reason and no rules need to be followed whatsoever as soon as the power of sale clause to the signed contract. This is a misrepresentation of facts on the lender’s part which is the basis of fraud. There is no meeting of the minds in the contract negotiation, thereby making the contract void. Since the contract is void there is nothing else to argue…however…

So, based on this path of logic drawn from the 1996 CA Senate, it is safe to say that if a trustee finds fraud, misrepresentation of facts or misleading information in any filings from any lender or beneficiary and calls them out on that claiming the lender cannot file that specific document or fulfill that specific rule of the power of sale clause of the civic code until they rectify the issue, the lender has the legal authority to replace them with a trustee they feel more inclined to work with who will do the bidding of the lender. This means that the trustee is not independent. The independence of the trustee was ruled on by the CA Supreme Court in 1978 case Garfinkle v Superior Court of Contra Costa County [21 Cal.3d 268}.

The facts are all there, but what is prima facie and what is res ipsa loquitur? Is it prima facie or res ipsa loquitur that the financial institution can file for foreclosure because they wrote the contract? Not one of the documents filed in any non-judicial foreclosure can be construed as either prima facie or res ipsa loquitur based on the fact that there is no independent trustee in the deed of trust agreement. The judicial and legal system placed the independence of the trustee as the pivotal point to allowing a non-judicial foreclosure to be legal and a valid means of litigation outside of the courts. it is through the independence of the trustee that gives the power of correctness to any and all documents being filed in a power of sale clause. However, if the banks can control and manipulate the trustee and negate the independence of the deed of trust agreement allowing them file any forged or fraudulent document to the court in order to foreclose on someone the whole idea of the non-judicial foreclosure as legitimate is defeated.

Since this is the world we live in let’s take things to the very basics and review when a homeowner begins receiving foreclosure documents. Is the original lender of record on the agreement the same as the lender acting as the foreclosing party? If so, does that lender have the right to write an agreement in the first place? Were they legitimately in business and granted the ability to do business in that state by the Secretary of State in order to construct a legally binding document? If so, did they follow every rule of contract law?…and we move forward from there.

What inspired me to write about the CAbooboo in this way was when I read through their comments of the thread from “Bagels at a Bar Mitzvah” and saw that all of the parties to the foreclosure in their case was the same as I had in mine. In Part Two, we will move forward and see how BARRETT DAFFIN FRAPPIER TREDER & WEISS, LLP, World Savings, Wachovia, and Wells Fargo all have to do with one another and how they continue to run large scale fraud against the court and every party to a foreclosure they are party to.

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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

 

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