Mortgage-KillerEX

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to the alleged ‘loan’ within twenty one (21) calendar days of receipt of this notice will result in the Bank(s), Trustee(s), and Beneficiaries tacit agreement, and silent acquiescence 9 to the truth of the statement(s) herein and will forever barr the Bank, the Trustee, and the Beneficiary, from refuting them in the future, will give John Henry Doe or his agent unlimited Power of Attorney to represent the principals in any capacity, in settling this matter, and will barr the principals from engaging in any legal action for claims, liens, legal orders, levies, damages, losses, and relieves any liabilities of settler/borrower that are currently due or that may become due in the future against the ‘settlor’/borrower for alleged ‘loan’MIN # 100XXXX- 000070XXXX-7, loan # 0000XXXX, apn# 0XX-2XX-005-000, Trust Deed recorders # 200XXX5216. Any rebuttal of the truth of the above statements will be in the form of an affidavit, signed and notarized by high ranking officer(s) or agent(s) of the principals involved and sent with ‘proof of service’, USPS certified mail number, or will be void. An unrebutted affidavit stands as truth. Executed on: _____________________2010 From: John Henry Doe 666 Pleasant Street, San Diego, California, [9XX01] non-domestic Without Prejudice By:____________________ Settlor/Authorized Representative SEAL State of California JURAT County of ________________ Subscribed and sworn to (or affirmed) before me on this _____ day of _______, 20__, by _______________________, proved to me on the basis of satisfactory evidence to be the person(s) who appeared before me. Notary Public Signature Notary Public Seal 9 "Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading." United States vs. Tweel, 550 F.2d 297 (5th cir. 04/08/1977). Acceptance. Acceptance by silence. Acceptance of an offer not by explicit words but through the lack of an offeree’s response in circumstances in which the relationship between the offeror and the offeree justifies both the offeror’s expectation of a reply and the offeror’s reasonable conclusion that the lack of one signals acceptance. * Ordinarily, silence does not give rise to an acceptance of an offer, but this exception arises when the offeree has a duty to speak. Black’s 7 th
WHERE DOES THE FRAUD BEGIN? FBI FILES This document is meant to take the reader down a road they have likely never traveled. This is a layman’s explanation of what has been happening in this country that most have no idea or inkling of. It is intended to give the reader an overview of a systemic Fraud in this country that has reached epic proportions and Provoke action to eradicate this scourge that has descended upon the people of America. Depending on what your situation is, you, anger or outright disgust at what you are about to learn. The following information is supported with facts, exhibits, and law and is not mere opinion. Let’s start our journey of discovery with the purchase of a home and subsequent steps in the financial process through the life of the “mortgage loan”. It all starts at the “closing” where we gather with other people that are “involved” in the process to sign the documents to purchase our new home. Do we really know what goes on at the closing? Are we ever told who all the participants are in that entire process? Are we truly given “full disclosure” of all the various aspects of that entire transaction regarding what, for most people, is the single largest purchase they will make in their entire life? Let’s start with the very first part of the transaction. We have a virtual stack of papers placed in front of us and we are instructed where we are supposed to start signing or initialing on those “closing documents”. There seems to be so many different documents with enough legal language that we could read for hours just to get through them the first time, much less begin to fully understand them. Are we given a copy of all these documents at least 7 days prior to the closing so we can read and study these documents so we fully understand what it is that we are signing? And agreeing to? That has never happened for the average consumer and purchaser of a property in the last 30 years or more if it ever has at all. WHY? We have a stack of documents placed before us at the “closing” that we haven’t ever seen before and are instructed where to sign or initial to complete the transaction and “get our new home”. We depend on the real estate agent, in most cases, to bring the parties together at the closing after we have supplied enough financial data and other requested information so that the “lender” can determine whether we can qualify for our “loan”. Obviously we have the “three day right of rescission” but do we really stop to read all the documents after we have just purchased our home and want to move in? Is the thought that there might be something wrong with what we have just signed a primary thought in our mind at that time? Did we trust the people involved in the transaction? Are we naturally focusing on getting moved into our new home and getting settled with our family? Who are the players involved in the transaction from the perspective of the consumer purchasing a property and signing a “<strong>Mortgage</strong> Note” and “Deed” or similar “Security Instrument” at the closing? There is, of course, the seller, the real estate agent(s), title insurance company, property appraiser who is supposed to properly determine the value of the property, and the most obvious one being who we believe to be “the lender” in the transaction. We are led, by all involved, to believe that we are, in fact, borrowing money from the “lender” which is then paid to the current owner of the property as compensation for them relinquishing any “claim of ownership” to the property and transferring that “claim of ownership” to us as the purchaser. It all seems so simple and clear on its face and then the transaction is completed. After the “closing” everyone is all smiles and you believe you have a new home and have to r epay the “lender”, over a period of years, the money which you believe you have “borrowed”. IS THERE SOMETHING WE DON’T KNOW? Everything appears to be relatively simple and straightforward but is that really the case? Could it be that there are other players involved in this whole transaction that we know nothing about that have a very substantial financial interest in what has just occurred? Could it be that those players that we are totally that falls into the category of criminal conduct? It is well-established law that Fraud vitiates (makes void) any contract that arises from it. Does this mean that this intentional “lack of disclosure” of the true nature of the contract we have entered into is Fraud and would make the mortgage contract void? on its face? Could it be that the Fraud could actually be “studied concealment or misrepresentation” that makes those involved in the act responsible and accountable? What happens to the “Note” once it is deposited in the bank and is converted to “money”? Are there different kinds of money? There is money of exchange and money of account. They are two very different things. See attached (Exhibit “B” para 11), Affidavit of Expert Witness Walker Todd. Walker Todd explains in his expert witness affidavit that the banks actually do convert signatures into money. The definition of “money” according to the Uniform Commercial Code: "Money" means a medium of exchange authorized or adopted by a domestic or foreign government and includes a monetary unit of account established by an intergovernmental organization or by agreement between two or more nations. Money can actually be in different forms other than what we are accustomed to thinking. When you sign your name on a promissory note it becomes money whether you are talking a mortgage note or a credit card application! Did the bankers ever “disclose” this to us?
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