How to STOP FORECLOSURE-Single mom uncovers loan FORGERY-biggest Mortgage fraud scandal in history – FREE HELP – How I discovered FORGERY in my loan docs, then “US Bank” sold my home illegally–and I fought back! Learn how ……

By | 2013-08-27T03:21:02+00:00 August 27th, 2013|Mortgages Home Loans Interest Rate|25 Comments

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  1. cdimmm August 27, 2013 at 3:56 PM - Reply

    When you say US bank is showing up do you mean someone from US bank (a living man or woman) sworn in under oath or filed affidavit of fact that they are the injured party. If not then the court has no subject matter jurisdiction because an attorney has no first hand knowledge thus no standing. Is the attorney going to swear in and claim he’s the damaged party, no. Check out the Trinsey v Pagliaro video under channel name “farvel” i think. Jurisdiction can be raised anytime, even after a sale.

  2. Boyan67 August 27, 2013 at 3:26 PM - Reply

    In your specific example “discharge” is in relation to the months that you offered payment (either sending checks which were refused, returned, fed to the dog or whatever, or payment offered over the phone which they declined or both). Based on (CCC 3603 (b)) payment has been made. Then they turned around & said you didn’t pay & sold your house. Imagine it the same as you sending them a check they cash it & after that sell your house. If your still not understanding don’t hesitate to ask again!

  3. Pam Ragland August 27, 2013 at 2:57 PM - Reply

    So you are saying when I sent payment, even if they sent it back to me, that it means payment was still “received” and should be removed from my total due? Which of course would have also taken my home out of Foreclosure… that is why the Appeals Court dinged them. “Profiting from your own wrongdoing”. Their proven refusal to take my checks (which they eventually returned) was what put my home in Foreclosure, after they told me not to pay the first one while they “investigated” my forgery. 

  4. Pam Ragland August 27, 2013 at 2:51 PM - Reply

    OK that is really interesting. I will check that out …
    I know the fact I had a stay, which the Appeals court upheld, automatically makes the sale itself illegal. I will also pass this on to my attorney.

  5. Pam Ragland August 27, 2013 at 2:45 PM - Reply

    Yes, this person seems to be posing as a woman but is clearly a man. I do know the US Bank attorney has his ego bruised I have gotten this far.

  6. Pam Ragland August 27, 2013 at 2:02 PM - Reply

    Curious to know what you find 🙂
    Also have the evidence from the other case… some of the comments are word for word. Also, this person knows something about me. Otherwise, how would they know I’m not a widow? Hmm… Of course, banks do make things up. WE all know that.

  7. Pam Ragland August 27, 2013 at 1:41 PM - Reply

    Interesting. However, I have already lost my home. It is gone. Sold to an investor who made my equity. So wondering… I am suing them to get my damages & now the emotional distress & punitive actions the court granted. So does standing still matter at this point?

  8. Boyan67 August 27, 2013 at 1:15 PM - Reply

    Based on CCC 3603(b) every time you send a check which is returned is similar as if they accepted & cashed the check, it is a DISCHARGE! Same for the payments offered over the phone. These DISCHARGES are ONLY valid for the months that a payment was offered! Meaning that every thing that the Bank did after each discharge should have been done later or never.You could make a 2nd argument that since they refused payment on regular basses they ALTERED THE CONTRACT & regular payment was not required

  9. Boyan67 August 27, 2013 at 12:28 PM - Reply

    Absolutely! You got it! But you have to make the argument. If you don’t voice your position than the Bank’s argument stands. The good thing is you can always voice your argument even if it is challenging subject-matter jurisdiction of the court based on the fact that payment was tendered. Good thing is that subject-matter jurisdiction can be challenged before, during, or after any legal proceeding.

  10. Boyan67 August 27, 2013 at 11:34 AM - Reply

    If you google California Commercial Code 3603 you can read: (b) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates… I know understanding the commercial language is somewhat challenging but start trying.

  11. cdimmm August 27, 2013 at 11:08 AM - Reply

    Check out a site ‘freedom-school’ dot com, make sure it has the hyphen when it loads up. Scroll down to the heading ‘miscellaneous 2’ and click on ‘Challenging jurisdiction’

  12. cdimmm August 27, 2013 at 10:15 AM - Reply

    i’m sure your attorney is well aware of this basic facts.

  13. Mary Mcculley August 27, 2013 at 9:43 AM - Reply

    Yes, I have forgery in my case, which is obvious because I have the original and it is not notarized and the xeroxed it and attached it to the deed which was forged with a ‘typewriter’ and then notarized it. And they are getting away with it calling it a ‘scrivenors error’ LOL

  14. Pam Ragland August 27, 2013 at 9:21 AM - Reply

    Well are they getting away with it?  You WON the right to sue US Bank over this in the Montana Supreme Court right?

    We all know FORGERY has happened & anyone who flat out denies the fact is probably one of the many “work at home” people being paid by the banks to mislead the public.

  15. Pam Ragland August 27, 2013 at 8:34 AM - Reply

    Is this only CA or anywhere?

    I know US Bank tried to get me to say I asked for the check back. I will tell my attorney. He knew it was ‘Profiting from your own wrongdoing’ which CA Appeals Court upheld.

  16. Boyan67 August 27, 2013 at 8:11 AM - Reply

    When did you send the check to US Bank?When did you ask for it back & why?Why return the check instead of depositing it if you really owed them?Did you ask for the check back after they said over the phone that you didn’t need to pay?Based on the details, via their behavior they altered the contract. It my be easier if we were communicating over the phone or email instead of these short youtube messages.I am in Santa Monica if you are in the area let’s meet to exchange emails or phone numbers.

  17. Pam Ragland August 27, 2013 at 7:19 AM - Reply

    – 4/08 told me not to pay while they first modified the forged loan, then supposedly investigated the forgery. I cancelled just that payment. 
    – 5/08 the auto payment went out. They called to tell me they would not take it. I said “You told me not to pay anyway, while you investigated my forgery”. I cancelled the next payment each month (until it was in Foreclosure) based on them telling me they could not collect during the investigation.
    3) They sent the check back 3 months later.

  18. Pam Ragland August 27, 2013 at 6:41 AM - Reply

    You can get ahold of me at PamRagland . com / ContactUs

  19. Pam Ragland August 27, 2013 at 6:19 AM - Reply

    Thanks I’ll be sure to pass it all on. I have some smart attorneys.

  20. Boyan67 August 27, 2013 at 5:22 AM - Reply

    If they told you not to pay on 4/08 this is like you offered a tender & they refused so CCC 3603(b) still applies. To prove that you offered use an affidavit + a copy of a phone record showing conversations on or around 4/08 & attach as an Exhibit if you have said record. If you don’t have it just use the affidavit. The auto payment is a clear refusal therefore a discharge. Their retaining of the check for 3 months is additional evidence of tender accepted & then refused in dishonor.

  21. Boyan67 August 27, 2013 at 5:19 AM - Reply

    I emailed my info. Call or email. If you call leave a message since I am not always in the mood to talk to collection agencies. [If I don’t recognize the calling number I assume it to be a collection agency.] I got to say that other than the case in Florida which the people paid cash in full for their house & the bank sold it anyway your case is the worse that I have heard of.

  22. Pam Ragland August 27, 2013 at 4:51 AM - Reply

    Hi, They actually sent a letter back (about 3 months later) with the check for May stating they were refusing to take it because of my “history of late payments”. I recall being pissed because I had never had a late payment until the April payment they told me not to pay, first to supposedly modify my loan, then to supposedly investigate the forgery (which they never did.) So since they sent me at least 4 letters with checks, all refusing my payments for various reasons, I have the proof.

  23. Boyan67 August 27, 2013 at 4:26 AM - Reply

    Excellent! It is under CCC 3603- discharge.Also there is obviously a change in contract based on verbal statements & both parties behavior. It is likely that the time-frame that they recorded the default was a lot later than it should have been.My guess is that the alleged default was recorded later than it would have been recorded if you were not involved with an investigation & negotiations to lower payment.If you simply stopped payment without a reason they would have recorded default sooner

  24. sadiemcc August 27, 2013 at 4:14 AM - Reply

    I have consumer fraud too. They break all the rules, and there are no consequences. The laws of the universe (especially with citizens and the ability to exchange quickly information by social media/technology) the Execs – VPs and the such that make all the bonuses, but put the operational people in front of the public to deal with will eventually bear a weight that breaks down from inside as the outside demands accountability. Oh and the foreclosure mills may find themselves aiding and abedi

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