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At the closing they presented me with a mortgage that was missing the escrow waiver page. So I made them go fetch the page and we hand wrote a change onto that page where it mentions any riders attached to it.

So, for my real mortgage, there should be a page with handwritten corrections and an extra page pay weekly loans bad credit for the escrow waiver.

The other suspicious thing is that the notary acknowledgement is missing my name entirely. So it turns out that I have a Note with an illigit Christina M Schmitt on it and no legal mortgage to back it up. So there is no document giving anyone, including Boa any rights to cash advance california service it or get any money from me.

During my loan mod application period, a woman named Shelly Gillis took my IRS tax request form and wrote additional stuff on it - AFTER I had signed it! I believe she may have worked in the old Countrywide Recon document vault area at one time. There is a really helpful deposition transcript that is enlightening.

But the case number is 09-21198CA09 and it is an 11th Circuit case in Miami-Dade County ( home terretory of Chrissy Schmitt! Instead, it mysteriously floated around for three days before it got to the registry of deeds to get recorded. Only after I got started with them in court representing myself pro se did I stumble on this next issue.

At the closing they presented me with a mortgage that was missing the escrow waiver page. So I made them go fetch the page and we hand wrote a change onto that page where it mentions any riders attached to it.

So, for my real mortgage, there should be a page with handwritten corrections and an extra page for the escrow waiver. The other suspicious thing is that the notary acknowledgement is missing my name entirely. So it turns out that I have a Note with an illigit Christina M Schmitt on it and no legal mortgage to back it up.

So there is no document giving anyone, including Boa any rights to service it or get any money from me. During my loan mod application period, a woman named Shelly Gillis took my IRS tax request form and wrote additional stuff on it - AFTER I had signed it! I believe she may have worked in the old Countrywide Recon document vault area at one time. There is a really helpful deposition transcript that is enlightening.

But the case number is 09-21198CA09 and it is an 11th Circuit case in Miami-Dade County ( home terretory of Chrissy Schmitt! You sent me down the right track with the Schmitt endorsement. The trust was denied Summary Judgment against me albeit without prejudice so they will be back.

These recreated notes almost always use black ink for signatures. You sent me down the right track with the Schmitt endorsement. The trust was denied Summary Judgment against me albeit without prejudice so they will be back. You might also like to know that if the result of your Christina M.


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And if a void document is used as evidence it is considered fraud upon the loans money court. That is considered very, very bad (so long as the judge involved gives a crap) and I read that it may open the door for reconsideration of Summary Judgment decisions, sanctions, dismissal, lawyer fees, punitive damages, etc. I also read that if a notarized document is a forgery and lawyers present it to the court, knowing it payday loans in colorado is a fraud, the punishments can be more severe. Apparently, forgery (the adverb, not the noun), as an act, has a statute of limitations as a type of fraud, but that seems to be a different matter. Bank of America NA also switched personal loans richmond va my account number while in good standing and tried to say they were the same servicer as BAC Home Loans. Plus they switched it back again a year later this time saying by merger!!!

Bank of America NA also switched my account number while in good standing and tried to say they were the same servicer as BAC Home Loans. Plus they switched it back again a year later this time saying by merger!!! Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Bank of America NA also switched my account number while in good standing and tried to say they were the same servicer as BAC Home Loans. Plus cash advance columbus ohio they switched it back again a year later this time saying by merger!!! Check out my previous posts to Elle regarding Christina M. There are lots more This has been amazingly helpful regarding issues of spolatiation of documents submitted, scattering, clean-up, root cause, etc. I found lots of references to all of these when I used ctr-f on my laptop to search for those terms in servicing notes I got in discovery from BoA Check out my previous posts to Elle regarding Christina M. There are lots more This has been amazingly helpful regarding issues of spolatiation of documents submitted, scattering, clean-up, root cause, etc. I found lots of references to all next day payday loans of these when I used ctr-f on my laptop to search for those terms in servicing notes I got in discovery from BoA My Note, originated by BoA and sold to FreddieMac in 2007, shows the en blanc stamp without recourse on the top part of my Note. If you have a phone number, I could take a picture on next day payday loans my phone and text it to you. I was researching the matter of what it could mean that the Christina M. Schmitt stamp is in the space ABOVE my name in the space just after the last paragraph of the Note. It turns out that there is a UCC rule Part 4 section 3-407(b) that says installment loans online no credit check that an alteration made fraudulently to the note after I signed it discharges thea party whose obligation is affected by it!

If you have a phone number, I could take a picture on my phone and text it to you.

I low interest rate loans was researching the matter of what it could mean that the Christina M. Schmitt stamp is in the space ABOVE my name in the space just after the last paragraph of the Note. It turns out that there is a UCC rule Part 4 section 3-407(b) that says that an alteration made fraudulently to the note after I signed it discharges thea party whose obligation is affected by it! Alteration means (i) an unauthorized change in an instrument that purports to personal loans for people with no credit modify in any next day payday loans respect the obligation of a party, or (ii) an unauthorized addition of words or numbers or other change to an incomplete instrument relating to the obligation of a party.

No other alteration discharges a party, and the instrument may be enforced according to its original terms.

I would not want to be the employee who did all of that above the signature robo-signing.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

After a couple of conversations with my new cash advance no credit check direct lender CRM, I think this is what happened: We had several sets of documents notarized over the modification process. The most recent being in June 2013 and Sept 2013, with slightly different amounts- about 5K more principal was moved from the primary mortgage to the subordinate note. The Sept papers are the ones we received countersigned and they were recorded with the registry of deeds. Apparently the June papers were the ones that they used to update the account.

Seems strange because I thought I checked to see that everything matched the final papers. But anyway, they had to reverse that posted and they are starting over with posting the right ones. I told the lady that it would have been awesome if I had gotten a heads-up phone call or message through the site, that there would be a bunch of transactions, and the reason.

But of course BOA would never be accused of using common sense.

Yes that would make no sense to let you know via a phone call, until you realize they make more revenue from servicing delinquent loans, and the investor of the loan pays for the servicing.

We wish there would be a penalty for taking too long to process loan mods instead of the incentive to capture more revenue. When you are delinquent (even in a trial period plan and waiting for perm docs, this is still in delinquent loan servicing and debt collection), servicing has 1. I am told that the loan will soon be returned to normal servicing.

In small personal loans online the meantime, the June credit report update has gone out showing 180 days past due.

I got an alert from ProtectMyID that the 180 days report had hit Experian. I thought all fees were taken care of by my modification agreement? On the bright side, it only took 30 days for the credit reporting to update this time.

I have something really interesting regarding my permanent loan modification. Been making the loan payments online and everything is fine. However, the other day I received a fedex envelope that has the originally loan doc agreement including a cover sheet stating there was an error (signatures , etc) and docs need to be resigned to accept modification. It was a next day payday loans next day payday loans long road (two years)and with both persistence and knowledge I made it happen. I called the office of the CEO and they finally connecting me to the Post Modification department. Apparently the docs are being requested for the County of LA recorder.

I have something really interesting regarding my permanent loan modification.

Been making the loan payments online and everything is fine. However, the other day I received a fedex envelope that has the originally loan doc agreement including a cover sheet stating there was an error (signatures , etc) and docs need to be resigned to accept modification. Continue to make your scheduled payments on time (but verify each payment is recorded to the modified loan - do this through your Single Point of Contact (SPOC)) Contact the SPOC and have them do the work to assist you to correct the records (during this time, only communicate with SPOC until the problem has been cleared up) Verify the documents and the things you need to do (coordinate a trip to a BofA with the SPOC so you can have the documents done in their local office - that branch will also transmit documents to source) Maintain copies of everything you submit (when talking to the SPOC, talk ONLY from the last copy you have in your hand and make sure that is the document they are looking at) Answer all telephone calls, listen to the person make what seems to be unreasonable demands, then tell them who your SPOC is and that you are coordinating all activities through that individual, bring them up-to-date on what is actually occurring, and watch everything they say. Log EVERYTHING, date, time, who talked with, what they wanted, what you told them, what they said in response and ALWAYS refer to your SPOC The last time I dealt with this, it was OCWEN, and they took 6 months to get it right (and 5 requests to correct their errors). Note: at bofa there is a special dept that deals with issues such as these. However, you need not concern yourself with that effort in dealing with this it is merely a common document perfection issue.