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DEFENDANT S EXHIBIT A
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 1 of 64
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Uniform
Residential
Loan
pplication
This application
i$
designed
to be CQmplated by the appllcant(s) with tha Lender's
assistance.
Applicants shOuld complete this form
aa
"Borrower" or "Co-BOfTQWE r".
as
applicable. Co-Borrower information
must
a ao be provided {and the appropriate box cheeked) when D the
income
or assets
of
a person other han
the
"BOITO\'I8r"
(including he
Borrower's spouse) will bEt used as
a
basis for loan
qualif'ocatlon
or
D the
income or assets o" _the Borrower's 9pousa will
not
b e used
a& a
basis for
Joan
quaiiOcatlon, but his
or het" liabnitias must
be considered
because
tha E ~ o r r o ~ N e r resides In a
community
pi'QP8rty state,
t h e socurlty
property Is located
In
a community
p.-QPerty state, or the aorrowar Is
relying
on other property
located
in
a
community pf"OP@rty state
88 a basis
for repayment of t le loan.
Mortgage O V A
Applletl tor: 0 FHA
Amount
$
176,000
G [1 Conventional D
Other
(explain):
0
USDA/Rural
Housing
e r v i ~
Subject Property Address
(street,
city, state,
ZIP)
· ·
13865
SW WALKER
ROAD,
Beaverton, OR 97005 County: Washington
Legal Description
of Subject
PrQI)erty (attach
description if necessary)
SEE PRELIM
Purpose of
Loan
D Purchase D Construction D Other (explain):
Gll
Rsllnance
D
Construct ion-Permanent
Comp l
this
line
If
construction or constructlon-ponnammt loan.
Year Lot
Original
Cost Amount Existing
Lierno
(a)
Pre9ent Value
of
Lot
Acquired
$
$
$
Con lpltJIIJ ' ' s l ine
If this
Is
a
reflnanl:fl
loan.
Year
Original
Cost
Amount
Existing Liens Purpose
o f
Refinance
Acquired
$
$
TIUe Will
be
held
in
what Nama(s)
DENISE SUBRAMANIAM
Lender a ~ Number
PrPPerty
will
be:
Gll
Primary Residence
D Secondary Residence 0 Investment
(b) Cost
of
Improvements Total (a+b)
$
$
Describe
Improvements
D m a d a
D to b e ma d a
Cost:$
lManner
In
which
Title
will be held
Estate
will
be
held
In:
To be
detet 'mlnad In escrow Gll Fee Simple
DLeasehOid
Sourca
of Down
Payment, $ettlemant Charges and/or Subordinate Financing (explein)
{ ~ h o w axpkatlon date)
L
·BOti'Cwer
,.
Jll
:soRRO'tl'fJ:R
INI=ORMA-:f:IQN
·
C:o..f l'orr'ovnr
I
Bonuwer's Name (Include Jr.
or
Sr.
if epplieable)
CtrBorrQWEir'8
Nama
: · : - ~ e l u d e Jr. or Sr.
if
applicable)
DENISE SUBRAMANIAM
SoCial
Soeurlty
Number,Home
Phone
(ino;i. o:<>d'")IOO ;I (MMIODIYYYY Yr,.. 5a1ool
105-48-8909 503-644-3881 09/16/19S4
16
Social Security Numb<or,Home >hone (Incl.
.,,....,.
eode),DOB M M I D D ~ Y r s . School
0
Mamod
lilJ
Unman1ed (lncluda l lingle,,
1
DeP9ndent f. (not ll lted
by
Co-Borrower)
D Separated divorced, widowed) no. I
ges
II J Married D u r ~ m a r r i e d (Include
tlngle.,
1
Dependents n 0 1 1 l ~ t e d by Borrower)
0
Separated
Cllvorc< ld,
widowed) no.
l ges
Present Address (street,
City,
state, ZIP)
GllOwn LJ
Rent --..S.._No. Yrs.
Present
Address
(street, city. state.
ZIP)
Dawn 0 R e n t
No.Yrs.
13865 SW WALKER ROAD
Be$verton,
OR
97005
Mamng AdCIMss,
if
different from Present Address
Malting
Address,
if
different from Present Address
I f esiding
a t present
address
for
less than
two
yeers
compltJII
thl fol lowing·
Former Address (street, city,
state,
ZlP)
DOwn
D R e n t
No.Yrs.
Former Addl'e$s
(straat,
elty,
state,
ZIP)
D o w n
D R e n t
No.Yrs.
I
:
Bcn'rower
..
tV . ,EMPLQYMENT rNFQ'RJIIAnoN .co-a<;rt-owaf'
Name & Address of
Employer
D
Self
Employed
Yrs.
on
this job
Name
& Address
of
Employer
0
Self
employed
Yrs. on this
job
PORTLAND CORPORATE MANAGEMENT
5 yr(s) 5 mth(S)
Yrs.
employed in
Yrs.
employed in this
PORTLAND, OR
l ine
of
worltlprofes
line of work/profession
5
PositionfntlefType Of 6ueinese
rusinaas
Pt'lona
(incl.
area code)
F"osltlon fltle/Type
of
Busines9
'Business
F"hone (Incl. area code)
ADMINISTRATOR
503
If employad In
cun'f rtt po$1t1Dn tor le$$
than two
years
or I f currently employgd
In more than one
posit ion
complete
t11e
fotlowtng·
Nama & Address of Employer
D
Self
Employed
Dates (from-to)
Name &
Address
of l:mploy&r
0
Self Employed
Dates
(from-to)
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l
V
MtiN,TI:fLY
INCOME
AND t OMBJNED
I:'IOU$1NG
·fU:PEN$E
INFOf'tMATION
Grpas Monthly
Income
Borro'lllrer Co-Borrower
Total
Combined
Monthly
Present
Prvposed
Housing
x ~ s a
Base
Empl. lneoma•
7,000.00
7,000.00
Rent
Olt$rtlme
First
MQrtgage
(P&I) 1,309.00
1,169.75
Bonuees
Other F'inanclng (P&I)
Commiasions
Hazal't l lnsurance
50.00
so.oo
Dlvidendsllnlef&st
Real
Estate Taxa&
150.00
150.00
Net
Rental Income
~ g a g e l n s u f a n c e
Other
(l>efom
c o m g .
11ee
tr\lll
nouce
In
•deectltMJ
Homeowner Assn. Dues
Other
k'ICOnwJ, •
De
ow)
other:
Total
1
T,OOO.OO 7,000.00
Total $
1,509.00 1,369.75
.
Self Emplo)"'d Borrowar(,.) m.ay be requlrod to provide
ad l t lona l
documentadon ,.uch
a..
tax retums and flnancl111l statemonta.
Desct'lbe Other
Income
Notice:
Alimony, child support, or separate
maintenance Income n...,d not be re a led If
th
Borrower (B) or
Co-Borrower
(C) d08a not
chooso to
have
It consldiPred
for r e r > ; ~ y t n g
this
loan.
~
Monthly Amount
I
Vh
A ~
AND LIAI:HLI;I'IES
l
This Statementand any applicable supporting
schedules
may
be completecl
ointly
Y
both married and unm$nied Co-borrowers
lfthoir
assata and liabilities are sufficiently
}oioott so
hat
the Sta emQI'It can be
meaningfully and
fairly presented
on
a c:ombined baaia; otharwise,
a p a r ~ : a Statements and
Schedules
are required.
If he Co-Sorrower
sect Ot'l was eomplated about a spou.se. this Statament and supporting schedulea
must
be completed
about
lhet spouee also.
Completed
fill
Jointly 0
Not
Jofl'ltly
ASSeTS
Ca lh or llllarkat
LJabliiUes • d Pledgoct Asse>ts. Ust the
eredltors
n'ilme. addrest; and account number for all outstanding
Description
Value
dal»s.
lnei\Jdlng automoblla leans, revolving ch>.Jf'lle account,;, real eslate loan&, alimony. child support.
Cash depolilit
toward
purchase held by:
stock
pledgos.
ate. Use continuation sheet.
rr n e c e e ~ r y .
Indicate
by • J ~ t ~ o s e
liabirrtr"" Which will l: e
satisfied upon sale of rear
e&lale
owned
r
upon refinancing of . subje<:t property,
UABIUTIES
Monthly Payment &
Unpaid
Balanca
l l l lonths
Left
to Pay
Ust
:hef:king l ind 1111lftl lngs •ccounts
below
Name and address of Company
Paymant/Month$
Na . - and address
of
Sank, S&L, or Credit Union
WELLS
FARGO HOME MTG
WASHII I IGTON
MUTUAL
Acct. no.
1,309
142,000
Acct. no.
87229-09842
I$
15,000
Name and addreas
o f
Company
Paym<mt/Months
$
Name
and address
of
Bank. S&l. or Crodlt Union
US DEPT OF EDUCATION
Acct. no.
133
16,731
AccL no.
Name
and address
of
company
Payment/Months
Name and address
01
Bank, S&L. or Credit Union FORD MTR
CREDIT
Acct.
no.
125 4,370
ACct.
no.
j$
Name and lddress of Company
sl"ayn'K nt Months
I
Ii
Name and
address
of
Bank, S&L, or
Credit Union HHLD
BANK
Acct. no.
53
2,366
Acct.
no.
Name
and address
of
Company
Payment/Months
$
StOCks
&
Bond$ (Company
name
$
SEARS
number &
description)
Acct. no.
32
1,409
Name
and addreaa ot Company
S
Payment/Months
Life
lnsuranca
net caat, value
CAPITAL ONE B A N K
Face amount$
Subtotal l . lqulel
Asseb
1S,OOO
Real 1 1ltata owned (enter
market vaiU@
Aect.
no.
50
895
ftonn SChedule
of
real estate owned}
225,000
Name
and
llddress of Company
Paymen Months
Vested lntetest in
'lilirement
fund
CAPITAL
Oll iE BANK
I
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~ d u l e
o f Real Estate
Owned
(If d d i t i ~ l properties are ownad,
use
conlintJllltion
shllet)
Insurance
Property Address (lll' lter
S
if
sold.
PS if
pending t.are
TypGOf
Present Amount
of
Gross Mortgage
Maintenance, Nel
or R if
rental
baing held for income)
Property
Market Value
Mortgaga& & Liens
Rental Income
Payments
Taxes & Mise. Rental
Income
13865 SW WALKER ROAD
Beaverton, OR 97005 SFR
$
225,000
$
142,000
$
$
1,309
$
300
$
Totals $
225,000 $
142.000
$ $
1,309
$
300
$
Ll l t any
addHional
naMe$ under
which
credi t
has
pmvrously
been
received and Indicate appropr iate
credi tor
name(s) and account number( l) :
Al emate
Name Creditor Name
I
VII. DETAU.$
OF TMNSACtfON
.
· Vhl.
DECLARAnoNS
J
Purchase
price
$
t f you
an IWOr
...
)nts"
to =-ny quf lt lons; a th rough I, p h u ~ & e use cont inuat ion
BoiTOWI r Co-Borrower
b.
Alterations.,
improvements,
repairs
shHt
for
explanation.
y., .
No
Yes
No
c.
Lan(l
(i f
acquired separately)
a.
Are
lh<>n f
any
outstar'lding u d r : ~ m e n n . a g : < ~ l n s t
you?
D
D
D
d.
Refinance (ir'ICI. debts Q be paid Off)
142,000
00 b. H ~ v e you
been
declared bankrupt wttnln
the
pes1 7 )I'Mts?
D
G[J
D
D
e.
l stimeted
prepaid
ltBma
341.73
C.
Have
you had proporty foreclosed
upon
or
g l v « > ~
title
or doed
in ller)
lht'lreof
D
0
D
f.
EaUmatad ~ l n g
4,810.00
In he las1 7 ye.1rs?
g.
PMI, MIP, Funding Fee
d
Ara you a perty to a lawsuit?
0
D
D
h.
Discount (If
BC>rT'OIM Ir win pay)
e. Havt'l you directly
or
lndl...ctty
been o b l f g ~ t e < l on any
loar'l which resUlted in
D
IY-1
D
0
I.
Total eosts (add I tems a t h r o t ~ g l l
h) 146,951.73
fOn fclosure, transfer of tiUe in lieu of
foreci0$Ure, or
udgmont?
Subordinate financing
(11lfa
INOt)td lnCIUCia ~ c h loans as mortgaOJ J ~ n e , SBA kr.:m1J, home lmprnv1311Tlent
j.
loans. d u c ; : ~ U o n a l l 0 3 r ' l ' ; ,
manu1'Bett1Md (I'TlODJiel
lOrna
toane,
any
mc:mgaae.
f l n ~ n d ; : w l
k.
6orrow9r's
closing
costs paid
by Seller
of>NgaOon. bond.
or
Joan g u : . ~ n J e e . rf
Vm;,•
Pf"JVkfO
d . : t ~ l l s
• .,cfltdng
l ' l g , name 3nd
:tddn;tSe Of
l ~ n d ~ r ,
rHA or VA
E i e
numbnr. l f CW1Y,
and n < * ~ s ror
mo
f o r t )
I.
Other Credil$(explaln) r.
Are
you
pra&an11y
delinquent or in default on
any
Fe4erar debt or
any
other
D
D
D
loan,
mortgage.
financial obligation, bond. Dl'" Joan guar-antee?
1f '"VAs,•
pfva ctet:.ls ss
~
In t t te q u e ~ t l o n .
g.
Are you obligated
to
p;aoy alimony,
child support, or
aeparme rnalnte11<1nca?
D
5ll
D
D
h.
fa
any
part of
the down
payment borrowe<l?
D D D
i.
Aro
you
a
co-mekar
x
endorse<
on
a
note
7
D
GlJ
D D
- - - · ~ - - - - - - - - ~ - - - - - - - - - - - - - - - ~ - - - - - - · - - - - - - - - - · - - - - - - - · · · - - -
J
Are
you a
U.
S. cltiz.-en?
GZJ
D
0
D
m. Loan ai'I1QIJnt
176,000.00 k
Aro you a
permanent residant
allen?
D
D
D
( ~ x c l u d a
PM , MIP, ~ " ~ > n d l n g Fee f lnaneed
I.
Do you lnt. .nd
to
oceupy tiU
propor ty
q"
your
prfmary
,.....ldence?
D D
0
n. PMI, MIP. Funding Fae f inanced
If
Y ~ . "
compteh'J
queatlon
m l)elow.
m.
Haw
you
had an ownership interest in a
property
in ltlF. last three years?
D
D D
o.
Loan 11mount (add m
II.
n)
176,000 00
(1}
W ~ t l y p e
of proparty
did you
own-principal reslaance
(F'R),
second
home (SH), or
investmant p r o ~ l ' l y (IP)?
PR
p.
Casn
frQm/to BOTTOM r
(29,048 27) (2) How did you hold title to the
home-solaly by
yourself (5),
(subtract j. k, 1& o from i)
Jointly with
your
apouse l (SP), or ointly wttn another
person
(0)?
_S_
I
f.)C
: M I ' ( N ~ ~ S Q I I i h ~ < T
ANO A O ~ I : t M E N ' t
each
of th"
unde"'lgnad
specifically
r o p r e s e n t . ~
ro
Lender
a ~ d
to
Lender"s
~ u a l
or
potantlsl agent$,
brokers,
proces$01'$,
attorneys.
ln lr.M'Crs,
aervlcer&,
successors and
: ostm;ma
and
agrees and acknowtodges
Nit:
(1)
tha
lnfonnation provl<led In this appllc>otlon Ia true and c a r r ~ t
ara
of the
""' '
forth
opposlta
y llgnature
and tnat
any
intentions or
negllgqntmtsrePf'G$entatlon of ltll rnrorm,.tron contalr>Gd In ltlls
application
may
r e s u ~ In civil HabiRiy. ln¢ Udfng
mon - ry damages.
to
11ny
person Who
may
suff«>r any Jon
due
to
relianca UPOn any
misrepresentation
that
1hsv., made
an
tnis applcatlon. a ~ r o r
In crlmrnar penaltlaa Including, but
not
Rmlted to,
flr're or Imprisonment
or bath undOr
the provisions
of
Trtle 18, U ~ f t e d Slataa
Coda,
Sec.
1001. et seq.; (2) 1t1e
loan
roqueatS(I pursuant
ro
this
application (the
'"Loan") win
be
;OeCUred b y ~ mortgage or deed
of
trust on lt1e p r o p e ~
desctlbed h e t ' l l l ~ ; (3)
the
pro XM'Iy wll not be u te<l fOr any Illegal or prohfbltad purpose or uae; (4) aft statements m"de In tnls
application
1,11 0 made ror the
purpose
of
obtaining
a
re$i<lentfaf mortgage lOan:
(5) tna property wiU t>e occupied
as Indicated hergfn; (S) :ony
owner or
servlCP.r
Of the Loan
may
verify or
rev<:>rlfy
any
lnJonnaUon contelned In
the
application from any sourca named in thl l 1,1ppncatlon, and Len(l«>r, Its successors
or
assigns may ll 'taln ltle ong;naf and/or an electronic record of this appllcatlon. e v o ~ if
the
t.oan
;., not approved;
(7)
he Lender and ItS a g e n t . ~ . t>rokers, Insurers. servlceno,
SUCCB ISOr l
and S 'SIQna may continuously rely
on
tf1e Information o o n t ~ l n a d In
tho
application, and I Bm
obligated to amend anl for
aupf)lement
tha Information provided In
this
application
If any of the matranal f' lcts
lhet I tlave
represented htlrefn
should change
priOr to clo,.lng of the
Loan; (8) In the
avent
ltlet my ~ a n t s
on the
L o a ~ becom4 dallnqu"nt. the 0\Nner
or "orvfcer
of tne Loan may, In :act<lltlon to .;>ny other
rights
and
remedies
that it may ~ v e
""lstlng to Such delinquency,
report my
name ;>nd account Information
to ont>
or mor0 consumer
credh
rei)Ortfng
; ~ g a n c l e l ;
(9) owner JhiP of
the
Loan and/or admlnJ..tratlon of lllO
L"'-'n
account may be t r a n s f e r r ~ with
'UCh
notice as may requlrt'd by law: (10) neither Lend.,. nor Its agents, brOk8rs, Insurers. servl.,..,rs, SUCC< $$Ors or
,.,,signs has
made any
representation or
warranty,
express
or lmpll( (l,
to
me
rt'Jgardlng lha proP')rty or ttl<> condition or
value
or lhe properly;
anct (
11) my transmission of this appWcatlon as an "electronic
rocord" containing
my
"elet;tn:mlc l i g ~ e . "
as
thot<o
ltmns are deflnod
In
applicable f8deral and/or state laws (excluding
aUdiO
and video
recordings). or
my
fac•Wnile
tn.tnsmfsskm Of
this
;applcatlon eontatnlnQ a ~ l m U e of my
sfgnsturoe,
shall as efff ctlve, enforcaebh and valid 3S If a paper version Of th is 3pplfeatJon were dellvP.red containing
m ·
inal
wrttten s n.wre.
E l o r r o ~ o ~ r e r " s S l g n a ~ r a Date rower's Signature Date
'l.
- I I-
0
\..(
ThafoiiOINing information Is requeste d bythf l Federal Goveml'n@ntforcertelntypes ofloana related to a dwelling
In
order
to
monitor he
lender's
compliance with equal
credit
opportunity, air hOusing and homemortgagedlsclosvre
aw&.
You are not raquinKflofurnishthis nformation,
but
are encouraged todoso. The ew provides hata Lendermey
dlscriminatD neilharontt tebasis of his nformatiorl, noronwhetheryouchoose o furnish lt. Ifyou furnish the nformation, please
provide
both ethnleityand race. F or race, you
may
check
more
hanON rdeslgnetion. lfyov do
notfumlshetnnlclty,r$Ce,
oraex, underFederal regulations. this render
s required
tonote the nfOflTlaliononthe basis of visual
L
. .
obaervaUon
orsumatne. Ifyou do notWish tofumishthe
nformation.
pleaae check the
box
below. ( Lendermustrevlewtheabovematerial
f.oassure thalthe
disclosure$satisfy
i
aU requirements
to
whiCh
the
len(ler Is SUbject ~ d e r applicable
state
law
for
the particular type of loan applied
for.)
BORROWER
D
I
do not wish
ro fumltoh thiB
Information co-BORROW£F( 0
I do not
wl
.n to fumf l'M this lnfa,.,.,atlon
I
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 4 of 64
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Febtuary 11 2004
To
Whom t
May
Concern
This letter is to confirm
that I
am taking cashout on
my
refinance loan to pay
off
some
debt
and
do some
home
improvements.
f
you
have
any quest ions please feel free to call me.
Thank
You
Denise Subramaniam
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 5 of 64
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DEFENDANT S EXHIBIT B
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 6 of 64
C 3 14 01836 MO D t 18 1 Fil d 01/26/15 P 7 f 64
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'
FEF:-11-2004
09: 3(:)
949 .453 C1S.J5
PEOPLES CHI] I I::E
'349 453 0545
~ - TRUTH-IN-LENDING DISCLOSURE
STATEMENT
LENDER
OR
LENDER'S AGENT:
P.01
I
(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LEND)
PEOPLE'S
CHOICE HOME LOAN,
INC.
c=J
Preliminary
W
Final
j
I
ATE:
02/10/2004
LO N NO.: 10097572
7515
I:RVINE
CENTER. DR.
IRVINE, CA 92611:1
BORROWERS:DENISE SUBRAMAN:rAM
ADDRESS: 13865 SW WALKER
ROAD
CTfY/STATEIZIP: BEAVERTON, OR 97005
Typo o Uxm C o n ~ n < M •
~
I
I
PROPERTY: 13865
sw
WALKER
ROAD
Beaverton, OR 97005
r ANNlJAL
PERCENTAGE
:j RATE Amnunt Financed
'h·;- co:::t ofyo•Jr
~ r e d it as 1 yearly The d o l l : ~ . r mnount the cr' dit Tht" am()nnt
of
credit
FINANCf CHARGE
T
0111 of
Payments
l
i
I
Th.: nmount you
will
have pai,j
I
i .- lk .
\=.·ill cost you. ~ r o v i O c d yt:ro:J or
on I ztkr
· c u h.l\'e maria :1:1 p a y m ~ n t c : i
your bchalt: 1 o> ;ohe4uied.
I
; ~ 7 ~ - ~ 2 ~ 7 ~ o ~ - - - - - - - - - - - - - · ~ ~ ~ ~ ~ 2 ~ s ~ o ~ · ~ 4 ~ 1 ~ 3 ~ . 4 ~ 1 ~ - - - - - - - - - - ~ s - ~ 1 ~ 7 ~ o ~ , ~ 6 ~ s ~ a ~ · ~ 7 _ 7 ~ - - - - - - - - - ~ 1 , 1 0 2 . ~ - - - - - - - '
,P.AYMFNI S'fHEOIJI F•
- - - - - - - - - - -
/
N l J ~ f B F . R
I I PAYMENTIIAREI>UE
: OF I AMOllNT OF l monthly
- \ _ ' J I . ~ _ I i : i . T . : ? . , __ _ ' ~ Y M c ~ § ______ DEGINNING
I :1
1
:;
1
J, 15$'-
7C
04/01/2004
i $1,l5S.34
~ 1 0 1 1 2 0 3 4
N U M B E R ~ I
OF AMOUJ\'T OF
PAYMENTS PAYMENTS --l
' I
II
i i
j l I '
II i
II
I
I :
J?AY,'I- ENTS ARE ttlliJ
cmn th ly
BEGINNING
I
1
I
_ l____________L
________________
_
j
l
L_ __ l _____________
___
_______________ _
. -------------
: I')EMAND FEATURE:
This
lor.n due:.<
not hu\e
<I
D e r n < ~ . n d FC"aturc.
D
T h i ~ l0tdl h ; ~ s a
I J e m ~ n d
Ft11tl.m· 3s 0\lcHvs:
I
-j
I ~ ~ ~ I A B L E RATE F E ~ T U R E : - . . . j
. ' - - ~ ~ ~ ~ . - = : . ~ ~ " Vanable
Rate Fcatu<e.
VanoblcRatc
D1sdosu=
have
been p r o v 1 ~ c d to you caf l•<r--------------
·-
· - - - - - - - · ·------)
i S t : ~ U R I T Y : \'ou
; Jrc
;;i\·int u r ~ ~ u r i t y intere:;t in
the
properly 1 ~ c a h : c l i t:
13865
SW WALY..ER. ROAD
Beavex-ton
OR 97005
1
------ -·.- ·- - - - - - - - - - - - - - - - - - - - - · ·------------------------- ·------ .:
~ . S S U M P T I O N :
5 \ ( l l · l ~ O n e huying th s property LrJ car.not assume the remaining balance due under nrigina mort.g:agc t c m 1 ~
; - -
1
__
"11:;y
a . ~ £ J t n : . suh.1ect
t•J t c . , , ~ e r s .
conditi:.H' S, the n : r n s i n i n ~ balance dllt': under
urigin<tl m o r t ~ a ~ e
terms.
________________
_ ____
------------
___
l
; ; ; ; · ; e ; , · ~ y I N ; U ~ - - - · - -
[iJ
P l ~ p e t t y huard insur3ncc io t h e ~ m o u n t CofS
17
5 , 000.00
wilh a
mortgagee:
chu>c to the lender
i:: i l l l ~ q u i n ~ U L:<..mc.lltk·n 0fthis lo:tn. B o r T O \ - ' ~ r may
pun:h Ct-.e
this
i n ~ u r ; ~ . r . c ~
fronl any insurance eompany
3.et:ept.1blt
w the
lend<-:r.
I' -=rcl i"';urane< 0 is W "not
~ ~ ~ : : _ : o u g h
the
l end : . :n . : : . : :o • t _ ~ _ o o · ~ - - - - - - - - t o _ ' _ "
____________""' tcnn.__
LAlE
CHARGES;
lf)'OI,JI N & Y i l ~ n t rm.H\.' t: a an 15
('1\crduc. t , ' : \ V n l t ~ ..
5.000
%of the
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 7 of 64
Case 3:14 cv 01836 MO Document 18 1 Filed 01/26/15 Page 8 of 64
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F'EUF'LES
CHOICE
'349
453 545
P.Et2
OEFINITION OF TRUTH-IN-LENDING TERMS
This
is
not the Note rate for which the
borrower
applied.
1l1c
Annual Percentage Rate
(APR)
is the
cost
of
the loan in pt'rcentage
terms taking into account various loan charges of which interest is only one such charge. Other charges which
are
used in
calculation of the
Annual Percentage
Rate
are
Private
Mortgage Insurance
or
FHA
Mortgage Insurance
Premium
(when
<pplicable) and Prepaid Finance Charges (loan discount, origination fees, prepaid interest
and other
credit costs).
The
APR
i ;
c ~ l c u l a r e d by spreading tl>e5e charges OYer the
life
of
the loan which results
in a
rate geners.lly
higher than
the
interest
rate shov;n
0n vour Mortgage/Deed ofT ust NNe. lf interest was the only r.;nance Charge, then the interest rat" and the A1mual Percentage
R ~ . t e
wc.uld
be
the same.
£REPAID FINANCE
CHARGES
i'"epairl Finance Charges
are
ctrtain
charges
r n a d ~ in ronncction
with
the
loan and which
must
be paid
upon the
close
o f t h ~
loan.
111;:-;;e
c h ~ r g e ;
are define:tl
bv
t h ~ Ferleral Re•c:IVc
Board
in
Re:on1lati.on
Z and the char> es must he o ~ i d bv the borrower.
~ ; n - J P . c l u s i ~ · c
c x ; a m p k ~
•Jf
s ~ d l
charges are: Loan origination f e t ~ "Points" or Discouni,
Private
M o r t ~ ~ g c Tn;uranc;e or
T'HA
AOllg:agt insuwnct. Tax SrrYicc Fc:c. Some loan charges are spfocifiolly excluded fi:om the Prepaid
Finance
Charge such a'
appnnst ot fees
nd
credit repon fees_
Prepaid Finance Charges are totaled and then suhtractcd from the Loan Amount (the face amount of th<: Deed of Trust/Mortgage
N<:>te).
The net figure
is
the Amount Financed as explained below.
f t ~ A [ ~ C E CHARGE
1 .<:
ilmuum
'Jf
interes1, prepaid
finance ch arge
ancl
certain
insu•ance premiums
(if
any) which the
horrowcr
will
be
r . x p e t t ~ d
tc•
;•w
1
(•v.er the life of loa,,
.(LMOUNT FINANCI<:
The <\mount Financed is the loan amount applied for
ltsi
the prepaid finance charges. Prepaid fmance charges
can
be f(
1
Ulld
< f·
'nr
Go()d
Fnith Estimate/Settlement Statement (HUD-1
or lA). For
examole
if
rhe bmTOwer's ntlte i.s for
100,000
and t h ~
l-':r.paid Finance Charges total $5.000, the Amount Financed wo;1ld
be
$95,000. TI1c:- Amow:t
Financed
i thtc
figme
on which tl;,"
u m i l ~ l
P e n · c n t a g ~ Rate is based.
·inis ti:;;vre repre,ents the total of all
payments made
towud principaL interest and mortgage i n s u r a n ~ e (ifapplicabl.el.
T h ~
rlo'lar figures in th"
Payment
Schedule represent principal. int·erest, plus Private
Mortgage
Insurance
( i f
applicable). Tne::e
figure:< ·vi lt\Ot
~ r e c t
t '
and insurance e ~ c r o w s or any
tcmpO ary
buydown p'1-yments
contnbuted
by
the seller.
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 8 of 64
Case 3:14 cv 01836 MO Document 18 1 Filed 01/26/15 Page 9 of 64
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TRUTH IN LENDING DISCLOSURE STATEMENT
(THIS
IS
NEITHER A CONTRACT NOR A COMMITMENT TO LEND)
LENDER
OR LENDER'S AGENT:
PEOPLE S CHOICE HeME
LOAN,
INC. D Preliminary [iJ Final
DATE:
02/10/2004
LO N NO : 10097572
7515
IRVINE CENTER
DR.
IRVINE,
CA 92618
BORROWERS:DENISE SUBRAMANIAM
Type
of
Loan:
Conve r t i b l e
ARM
ADDRESS: 13865 SW WALKER ROAD
CITY/STATE/ZIP:
BEAVERTON, OR 97005
PROPERTY:
13865
SW WALKER ROAD Beave r t o n , OR 97005
ANNUAL PERCENTAGE
RATE
The
cost
of
your credit
as
a yearly
rate.
FINANCE CHARGE
The dollar amount the credit
will cost you.
Amount Financed
The
amount
of
credit
Total
of
Payments
The amount
you will have paid
after you have made
all
payments
DEMAND
FEATURE:
iJ This
loan does
not have a Demand Feature. 0 This loan has a Demand Feature
as
follows:
VARIABLE RATE FEATURE:
CiJ
This Loan
has
a Variable Rate Feature. Variable Rate Disclosures have been provided
to
you earlier.
SECURITY: You
are
giving a security interest
in
the property located at:
13865 SW
WALKER ROAD
Beave r t o n OR 97005
ASSUMPTION: Someone buying
this
property [iJ cannot assume the remaining balance due under original mortgage terms
0 may assume
subject
to
lender s conditions, the remaining balance
due under
original mortgage
terms.
FILING
RECORDING FEES:
s 100 00
PROPERTY INSURANCE: [iJ Property hazard insurance in
the
amount of 17 6 , 0 0 0 . 0 0
with
a mortgagee clause
to the
lender
is
a required condition
of this loan.
Borrower
may
purchase this insurance
from any
insurance company acceptable
to
the lender.
Hazard insurance 0 is [iJ
is not
available through
the
lender at
an
estimated cost of
0
. 0 0 for a
LATE CHARGES:
f
your payment is more than
5
overdue payment.
days late.
you
will be charged a late charge of 5 . 000
year tem1.
%of he
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 9 of 64
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 10 of 64
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DEFINITION OF TRUTH-IN-LENDING TERMS
ANNUAL PERCENTAGE RATE
This
is
not the Note rate for which the borrower applied. The Annual Percentage Rate (APR)
is
the cost
of
the loan
in
percentage
tenns taking into account various loan charges of which interest
is
only one such charge. Other charges which are used in
calculation
of
the Annual Percentage Rate are Private Mortgage Insurance or FHA Mortgage Insurance Premium (when
applicable) and Prepaid Finance Charges (loan discount, origination fees, prepaid interest and other credit costs). The APR
is
calculated by spreading these charges over the life of the oan which results in a rate generally higher than the interest rate shown
on
your Mortgage/Deed of Trust Note.
If
interest was the only Finance Charge, then the interest rate and the Annual Percentage
Rate would be the same.
PREPAID FINANCE
CHARGES
Prepaid Finance Charges are certain charges made
in
connection with the loan and which must be paid upon the close
of
the loan.
These charges are defined by the Federal Reserve Board in Regulation Z and the charges must be paid by the borrower.
Non-Inclusive examples
of
such charges are: Loan origination fee, Points or Discount, Private Mortgage Insurance or FHA
Mortgage Insurance, Tax Service Fee. Some loan charges are specifically excluded from the Prepaid Finance Charge such as
appraisal fees and credit report fees.
Prepaid Finance Charges are totaled and then subtracted from the Loan Amount (the face amount of the Deed of Trust/Mortgage
Note). The net figure is
the Amount Financed as explained below.
FINANCE CHARG E
The amount
of
interest, prepaid finance charge and certain insurance premiums
(if
any) which the borrower will be expected to
pay over the life of the loan.
AMOUNT FINANCED
The Amount Financed
is
the oan amount applied for ess the prepaid finance charges. Prepaid finance charges can be found on
the Good Faith Estimate/Settlement Statement (HUD-1 or A).· For example
if
the borrower's note
is
for $100,000 and the
Prepaid Finance Charges total $5,000, the Amount Financed would be $95,000. The Amount Financed
is
the figure on which the
Annual Percentage Rate
is
based.
TOTAL OF PAYMENTS
This figure represents the total
of
all payments made toward principal, interest and mortgage insurance
(if
applicable).
PAYMENT SCHEDU LE
The dollar figures in the Payment Schedule represent principal, interest, plus Private Mortgage Insurance (if applicable). These
figures will not reflect taxes and insurance escrows or any temporary buydown payments contributed by the seller.
Case 3:14 cv 01836 MO Document 18 1 Filed 01/26/15 Page 10 of 64
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DEFENDANT S EXHIBIT C
Case 3:14 cv 01836 MO Document 18 1 Filed 01/26/15 Page 11 of 64
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 12 of 64
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Case 3:12 V 1681 MO
Subramaniam
vs
Beal, Chase, GMAC
et
al
Exhibit F
Page
1 of 8
EXHIBITF
Attached to Plaintiff s Objection to
MGC s
Motion to Dismiss
2006 Substitution of Trustee Instrument
2006 Assignment Alleging to assign DOT to Residential Funding Co.
Filed in Washington County on 2/28/2006
Examples
of
Debra Lyman s Signatures
Examples
of
Laura
Hererra s
Signatures
Email from Steve
g
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 13 of 64
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Case
3:12
V 1681 MO
Subramaniam
vs
Beal Chase GMAC et al
Exhibit
FPage 2 of 8
RECORDING REQUESTED BY:
\1
AND WHE
RECORDED
MAll. TO:
CAL-WESTERN RECONVEYANCE CORPORATION
525 EAST MAIN STREET
P.O. BOX 22004
EL CAJON CA 92022-9004
pace Above This Une For Recorder s
use
Loan No.: XXXX9663
T.S. No.: 1077668-09
SU STITUTION OF
TRUSTEE
WHEREAS, DENISE SUBRAMANIAM was the
original Grantor, PAULS. COSGROVE, LINDSAY
HARTE. LAW OFF
was
the
original
Trustee
and
PEOPLE S CHOICE HOME
LOAN,
INC. was the
original
Beneficiary under
that
certain
Deed
ofTrust
dated February
10, 2004
and
recorded
on March 01,
2004
as
Instrument
No.
2004-019937,
in Book
XX,
Page XX
of the Official
Records ofW
ASHINGTON County,
Oregon and
WHEREAS,
the undersigned is the
pre5CDt
Beneficiary under said Deed of Trust, and
WHEREAS, the undersigned desires to substitute a new Trustee under said Deed
o
Trust in the place and
stead
of
present Trustee thereunder.
NOW,
THEREFORE, HOMECOMINGS
FINANCIAL
NETWORK.
INC.
hereby substitutes
CAL
WESTERN RECONVEYANCE CORPORATION, A licensed
Oregon
Escrow
agent and
a California
Corporation whose corporate
address is 5 5
EAST
MAIN
STREET, P.O.
BOX
22004, EL CAJON CA
92022-9004 as a Trustee under said Deed of Trust.
Whenever
the
context
hereof
so requires,
the
masculine gender
includes the
feminine and/or neuter, and tbe
singular number includes the plural.
g
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Case
3:12
CV 1681 MO
Subramaniam vs Beal Chase GMAC
et al
Exhibit F
Page
of 8
..
SUBSTITUflON OF TRUSTEE
Loan No.: XXXX9663
T.S:
No.: 1077668... )9
DATED:
J./f:UaJ1 zoob
Stateof
- R 1 - ~
Counly
of \ \o..orv. ~
On
M: 14'?o:zca.b
before
me.
~ L ~ A ~ ~ ~ ~ ~ ~ = = ~ ~ ~ ~ - - - - - ·
a
Notary
Public in and for said
state,
personaltyappeared
DEBR
I
YU N . VICE PRESIDENT.
personally known to
me or
proved
to me on the basis of
satisfactory evidence)
to be
tbe person(s) whose name s)
is/are
subscribe<l
to
the within instrument
and
acknowledged
to me that helsbeltbey executed the same in
hislherltheir
authorized capacity ies),
and
that
by
hislherltheir signature s) on the instrument
the
pcrson s),
or
tbe entity upon behalf
of
which
the
person s)
acted,
executed
the instrument.
WITNESS
my
hand and official seal.
SlgnaiUre c&.l-\ '01 : \ A ~
L:au111 ~ e n e f a
t t r ~ : y Pu:,tic
l> llt.e
/11'1 1;11
f.4 Commiulon
E>:pim
0 6 · 1 4 ~ 2 0 0 8
This area for OffiCial
notary
seal)
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 15 of 64
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Case # 3:12- CV- 1681 MO
Subramaniam vs Beal, Chase, GMAC
et
al
Debra
lyman
and
other litton
robo-signers fabricate
documents
for
mortgage-backed trusts
when
the
originals
can't be found. Other Litton robo-signers, Marti Noriega,
Denise Bailey and Debra
lyman
all fabricated mortgage
assignments
for
the
big bank trusts.
Utlon . . ._ SeiWin8
LP
_. . . , inFacl
STATE OF
TEXAS,
HARRIS COUNTY,
sa:
UITON LOAN SBRVICING, LC, ..
Attnmey-in-
: = = s i O E N T
This; ._
wu
acknowled.,.d
before
me
on
~ t r . j f m t i ? $
~ b y
DEBRA
LYMAN
., VICE
PRESI DE; ffitton Loan
Scrviclna. LC,
u Attomey-in-FKt m. The Providclll
Bank.
STATE OF ___
Carroll County State Bank.
lb
LfZ
r?wm
i f o t a r ; ~ n
and
for
w d S ~ ~ C o u n t y
- t. ROCKNOII(
I
--SII OoiTNn
~ · ·
M v C ~ ,
J.r,
12.2009
MORTGAGE PLECTRONIC
REGISTRATION SYSTE MS, INC. SOLEI.Y
AS NOMINEE
FOR COUNCIL BLUFFS
SAVINGS BANK,
A DIVISION OF
CARROLL
COUNTY
ST K
solely
as
nominee for Council Blulls Savin p
Bonk.
a Divisicn
of
olary
Public
in and for said County
and
Slate
Exhibi t F Page 4 of 8
Shown are examples
of
Debra Lyman signing
as
an officer
of
different
financial organizations. On
2/10/2006
Debra
lyman
signed
as
Vice President
of
Deutsche Bank
Nationa l Trust Company,
as
Trustee
for
a MBS Trust.
On
lhi< f ebgUQ Ol P• 2iJ::Ae_., befOf< lloe oodmi )>Od, •
N<l<uy
l'llbiE m 11xllor II>
sm..
,.,.....uy •
,.,......J
____ ~ L Y M N
_ _
nd_ D • ~ i n e-w
pcnonally
tno .... ,...,
boiiiJ
by . . .
duly
...
... did . .
'
IIey
. . . lie-- VICE PRESIOEHT
~ _ ( ~ N f l l
.
"''peaively. ofwdc l in t n o n has b<m poocwed by M
- d.._ ..00
ll$lrolllCill
w., si )>Od"" behalfofwd corporor;onby IIOibunly of ill - ofDiroo:"'
that
~
,.i<
DEBRA
L
l I.AN
.mol
()entse
BaileY
..
' ·
.,....,..
~ ~ ~ - - ' ~ ~ : : · : c : ~ ~ ~ n : E .. n : / . ' ' . ' : ~ £ : : e 5 : : ' . .;f.' :' C : · l : 2 i : ~ : : t o ; : : : : ~
~ V i s i l f ( j .. . ( ; e ~ ~ i & L a f s t H e a d n e s
r ; ~ ~
Fr
Linked(m.
Debra Lyman (WI<)
Vice President at Litton
HOJt;tcfl. TeCat> Ae.a 3lr:k-ing
•
VIce
President
at
Litton
• Vice President
at
Litton Loan Servidng
1n connections
Debra Lyman WK)'s Experience
VIce Preslelent
Litton
On 7/30/2010 Debra
lyman
signed
as
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 16 of 64
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Case# 3:12- cv
-1681 MO
Subramaniam vs Beal, Chase, GMAC et al
T < > ~ : t t l l c r
with note <a DW:s
tbcniil ~ i b : d
or
n:li.1red
to, lhemi)Ooy due ond
to be<:cme duc
"'"'"""·
with inte,.,st, and JI r ~ h b accrued or to
acave
lllldo<
d
DeedofTiiJ$1.
D o t e d ~ ~ ~ - - - -
20.Qf> .
B . _ -
~ /
Till«
STATEOf /e.X.C6
_____
I I ) ...
COI,"NI'Y
OF H O (( I I
J certifY
tb•t
I know (0' have
utilfactol')' tvidr:nce lhat
__
e r u s e . ~ a j l e Y . .._
s
t h e ~ . , . , . . . wltu
oppeared befare
me,
ond
said
J>CT
aclrnowleQ:d tllat
(h<IMo)
signed
this inmwitcot.
on
aO h:natai lhat
(htlsbe)
wasauthori>:ed.locxecute the iustrumo:nt IIIKiaokn,..iedgcd
it"" the. · ~ ~ o f
Mon,ag.e
El ic
i o t t
s ~
tnc.lo""
lllc
m:e
a•d
.,ul.ualar)l
a.<t
o(
soob
party.
i'<ii i'ou;e.wd
u ~
melllkmed ia
the in ll'llmcnt ·
JJ/ .
l \ ~ . .
' - - . . : 7 t L A - ~ . f L U ~
NOTARY PUBLIC
in
and fur tb< State
of
..· :
. "7£'.
y'US
m • • •
• • • ,
R•Hillinc ':' . rlQ
cr-·;;:
T h ~ ·
My"""""'""'""
oxp1roa _
.._ I_.__ (; · .
Signature
Exhibi t F Page 5 of 8
I
Denise Bailey, another Litton robo-signer on the
same lists as Debra
lyman,
signed as Vice
President
of
MERS Inc.
on
a Deed Assignment
filed in Skagit County, WA. (She signed
as
Asst.
Secretary
for
Deutsche Bank and Debra
lyman
signed as Vice President on a document shown
on
the
previous page.)
If you compare Denise Bailey's signatures
they
are
not the
same.
More
than
one person is
signing
as
Denise Bailey.
The
Notary on
this document was Texas notary
Laura Herrera who also signed
the
Substitution
of Trust
on
my property on 3/18/2006. Again,
the
signatures are not the same,
nor
are
the
notary stamps. Multiple people are signing
Laura Herrera's signature and using her Notary
stamp. This is fraud and perjury.
This document was a Deed Assignment in favor
of
HSBC
Bank USA as Trustee for a MBS Trust.
T S E ~
~ - - - - - - - - ~ .
___
'
L;:;:•Jra
Herre.ra
The signature on the right is
from my
document above.
Notice in this signature
the
pen starts
at the top of he
first leg of the H , at the
bottom
of the leg It then
swoops upwards
without
lifting the
pen
to
cross over
and
down
to
form the
right
leg, then
from
the
bottom of
the
second leg i t swings left
to cross
the
legs
of he
"H"'.
The pen leaves the paper
and
the lower
case e starts
as
a
new
pen stroke.
lAURA HtftREAA
"'ogryPublic. 5mllof T&"'"'
My
Commiation EJCPirM
Ml•14.2008
Notice that here
the
left most or first leg of
he
H is a
separate line. The second leg
of
the "H" starts as a
new
line
from
the
top.
At the bottom
of
he
second leg
the
stroke
crosses over
from
right to
left
and loops around In an upwards
f r . 1 ~ r v ? : . : ~ . ~ ( ; 5t
t/Ll er.;a
r . r ~
· C ~ t . r . r l 1 i l o ~ u n
.El;pillls.
0 6 ~ 1 4 ~ 2 0 0 8
The notary stamps
are
different
too.
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 17 of 64
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Case 3:12-
CV
-1681 MO
Subramaniam vs Beal, Chase,
GMAC
et al
Exhibi t F Page 6
of
8
,.
-
: l
,...RECORD AND RETURN TO
GMAC-RFC
Ooe Meridian
Crossing,
Suite #100
Mimlcapolis, MN SS423
RECORD
CENTER AND DOCUMENT
ROUTING
03-03-40
1 . \ T \ o ~
*
\IOC\qt,/,.3
----·---...
=:,a:;::
2008..077542
11-M\
Cnl•t
ltlliD
$10.00 l fM tU.IO • TOIII• 121.10
IIIII
ASSIGNMENT OF
DEED
OF
TRUST
1S fB
ForValueReceiwd,
PEOPLE S
CHOICE
HOME
LOAN.
INC
••
a
WYOMING
CORPORATION
,
bolder
of a
Deed ofTrust (h«ein A s s i g a o r ) whose address
is
7515 IRVINE
CENTER
DR •• IRVINE, C 92618
assign,
tnmsfa and convey, unto
' a rorporation
organi2Jed and existing
uncia
the laws
of .
(h«ein "Assignee"),
whose address
is
Ot.Ui 1 \ f . i l \ Q ~ c U I C 4 S i f 1 S , ~ v . t \ r
JOt> n\lAlA1h90\i6
1
SGI42J ,
a
c:ertain
Deed of
Trust. dated
OZ/10/2004 ,
made and executed
by
DENISE SUBRAMANIAM
mPaul S. Cosgrove. L1ndsay
Harte,
Law
Off
T l i ~ S t e e .
upon
the
following described
property situated in WASHINGTON
,
State
ofOrep
~ ~ W j l f i i X W I I t i l l J l i J L X U
(A.P.N.
I
R29757)
LEGAL DESCRIPTION:
LOT
4, BLOCK 2, DEVONSHIRE, IN THE COUNTY OF WASHINGTON AND
STATE
OF
OREGON.
such
Deed ofTrust having been
given to secure
paymeat of ONE HUNDRED
SEVENTY- SIX
THOUS ND
ND 00/100 (S 176,000.00 )
(bu:hule be Orisfnal Pril clpal Amollllt)
which
Deed of
Trust is of
record
in Book,
Volume.
or
Libcr No.
,
at
page (or
as
No.i.OO'l•Oa'141ll'1
) of he Records
ofWASHINGTON
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 18 of 64
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Case 3:12-
CV -1681 MO
Subramaniam vs Beal Chase GMAC
et
al
Exhibit F Page 7 of 8
· .
TO HAVB AND TO HOLD, tbc same un&o
Assignee.
its succ essor
and
assigns
forever,
subject
oaly
to
•
the
terms and conditions of he
above-described
Deed of Trust.
as
IN WITNBSS WHBREOF,
tbc
UDdersiped
Assignor
has e.xcMed
this Assignment of Deed of Trust on
I Z . . • Z . ? 4 ~
PEOPLE'S CHOICE HOM LOAN
INC ••
a
By:
(SipaiUI'e)
Dana Lantry
AHt.
Vice
Pmident
of
Cl\-t tsW OA) 1 1 1 1 ~ 0 4
PotohU
M
/411 P
. ,
,
?
2
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 19 of 64
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Case 3:12 CV
1681 MO
Subramaniam vs Beal,
Chase,
GMAC
et al
Exhibit
FPage of
Gma1l · attached
are the documents your company
supposedly prepare<: " · deesyfert;,.l gmail . com · i,lo;:itla
Ftrefox
j - .
•
You
Gmail C l e n d ~ t Oocwm;nls Photos Sites VV&b More ·
Meil
Contacts
Tasks
; : t ~ M i i i ~ <::,,,;; > : : ; ~ c ~ : ~
Buzz
Slaffl d tl
Important
Sent
Mail
Draflll
(21)
Al:baba Trade Alert
Ancesuy.a.m
(2)
Borders
Crty of Portland
Search
Mail
Search the Web
Sb(ly
fttrs aptb?QI
q Jt f
fifttr
attached are
the
documents your company
supposedly
prepared ..
.,. Dee Syfert
Steeves, Mitch L mstaeves@flmt<lm
tvrn
to me
Good EVening:
7.42 PM
(15
hours ago) Reply
?
It
is nol
our normal practice to prepare
a
document assrgning the
bene1ic•al
interest of a
trust deed. In the rare ewnl
where
this
would happen,
we would
be ir V111ved a an
escrow agent This
document
wae
recorded
by Fidelity
and there IS no
indication that
we
were
tr V111ved
in
any way
as
an
escrow
agent I would
be
very
surprised to learn
that
this document was
actually
prepared in our
office as suggested.
Mitch Sleeves
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 20 of 64
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..._.
DEFENDANT S EXHIBIT D
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 21 of 64
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ase# 3:12
V
1681 ST
Subramaniam vs Beal Chase GMAC et al
Exhibit A Page 1 of 2
EXHIBIT A
Attached to Plaintiff's Objection to MGC's Motion to Dismiss
2006 Notice
of
Default
nd
Election to Sell
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 22 of 64
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Exhibit A
to
Plaintiff's Response
to Northwest s
Motion
to
Dismiss
Fraudulently Fabricated Deed Assignments
US
District Court District of Oregon: Subramanlam vs. Beal,
et
al
#3:1Z-CV-G1681
MO
- Clerk Reconling Web Query
A . WMtBMllONCOUNO'
~ w NIICOII I
HoriiOM I HIIUILtlmlR\KOI'U
Document Details ~ -
<>·-
N¢ Ul'll.l l. Soom. I t ~ Ill R ~ > J u l l l
DOCIIIIfltN'Ut 2004-019 )137
DOCIIIIfltNTTYPI:• 0 .
~ R T O O R A P R Y A
RECORDS R.Ect IJ'TS
DOC
5Uin'Yn: M
·MORTGAGE or
TRUST Of,fO
or
WEA
THERIZAflON
tffiN
llltCOII li 'IG IIAT:£1 Yl/2004 10; 14:1 AM
llltCOIII)INC
JUSt S l2.00
11001(
6 PAGet
CONS lOEilAT10fh
ll£SCIUrrroN•
1Nll£X£th Y«
\£111YlltDt No
IMAGE> V i o w . ~ . Y t ... I N g,. M
rll
VillW ~ \ J . I l 4 j C u l Pf
R<' Ufll Ta
Page 1
of19
Page I of2
People's Choice Home loan, Inc. recorded a Trust Deed in
Washington County Oregon
on 3/1/2004 where
Denise
Subramaniam
is
the direct
party
and People's Choice is
the indirect party.
No
other documents are filed with
Washington County unti l
2006
On
6/28/2006 fraudulently prepared documents (shown
on pages 2 and 3) containing material misrepresentations
of fact and forgeries were filed with intent to deceive and
to
be used to support a fraudulent foreclosure
attempt
in
2006
by
defendants Ally fak GMAC, Ocwen aka
Utton
and
Fidelity.
I
N I_ tllllRF,li(
AllllRtSS
11 CITY
I
STAn:
I
ZIP
I
(PEOPLE'S CHOICE HOME
LOAN INC
j7SIS IRVIN)iot'h'NTER
OR
I
(IRVINE
ICA
l92tit8J
Partia
/
1'1\RTV
V P ~ t Uf
NAME j FIRST NAME MIDDLE NA,V£ ( Sllf'FIX
DIRECT ISUBRAMANIAM
lDENlSE
I I I
j SDIRECT IPilOPLFSCHOICEHOMELOANINCI I I
I
I ~ a i O c s c r i p t i o n s
SUBDIVISION LOT
Bl.OC1C DIII£CTION PART
P.\RT
TWN
TVP£
DEVONSHIRE
4 2
The followieg .t.Kumca Jiare referenced in
thk
document:
I
OCVMitNT.
I
OOK ..
I
ACE
I
OCUMENT TYPI:
I
lOU
l O H ~ t
ltNG
5CT
QQ
TAXLOT
ASSIGNMENT OF
MORTGAGE
OR TRUST DilEO
PAIICn
U:ClAL
ll£SCIUPTIOI'I
AFFID
Of
MAILING
TR
NOTICE
OF
SAL YNOTICE TO
GRANTOR
FOR
TRUST DEED
AFFIDAVIT OF PUBLICATION-TRUST
DEED
h t t n : l / i n t t a t ~ h i r e c o r d i n l l ' D e t a i l a s n ? I N S T R f 1MENT I T > - 2 0 0 ~ ' i 8 0
lll/Hln011
¢ /
· ~ - - - - ~ . -
.. ; ; _
ln2001t a.then acainln20ll
f r a u d u l e n t d o e u m e n t s . ~ f i t e d . i n .
behalf ofdefendant$
N V c i n c t ~ M G C
aka:
D
Andrew
B e a t ~ Dovenmueht•to ·
s u p p o l ' t a ~ e r f r a ~ t f o r e c l ~ • · ·
atte.
·mp· ..
..
.. . " _ . ..
' ~ ~ ~ ~ : ; · : · ·
~ ~ ~ r n e n t s a m t a J n
material''
m i s r e ~ n t a t i o n s : o f f a e t
and forgerieS,
and lete fiW
with, intent
to e c e i v e ~
natiY: pet l)etrated.:
tq giWttbfta of iuthority
and/orownersbfP''\Nhen:nohe
exists
so· .·
a $ t o f r a u d u l e ~
tau
po$Sessicmof
reat
J ) r o ~ J t V bel()nslng to the
PU intlff:
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 23 of 64
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Exhibit A to Plaintiff's Response
to Northwest's Motion
to Dismiss
Fraudulently Fabricated Deed Assignments
US District Court District of Oregon: Subramaniam
vs.
Beal, et al #3:12-tV-G1681 MO
REcoRDING REQUESTED BY:
\1. AND WilE
RECORDED
MAll.
TO:
CAL-WESTERN RECONVEYANCE CORPORATION
52j
EAST MAIN STREET
P.O. BOX 2: 004
EL
CAJON
CA 92022-9004
.
=;;':'
r o u o u
O MIT Pt
tlt IIILIOtttM•Telll•tzr •
:--- - --:=== ----------- ·Space
AboveTbis
Une fa< Recorder's .... _
Loan No.: JCXXXIJ663
T.S. No.: H717668-09
SUBSTITUTION OF TRUSTEE
WHEREAS.
DENISE SUBRAMANIAM
was
the
original
Grmror, PAULS. COSGROVE, LINDSAY
HARTE, LAW OFF wu
tbe original
Trustee and PEOPLE'S CHOICE HOME
WAN
INC. was the
original
Beuefici:uy
under lhat
cestaiD
Deed of
Trust
da ed Febru:uy 10, 20041Jld MConled on March 01. 2004
as
lllstrument No. 2004-()19937,
in
Book XX, Page XX
of
he
Official
Records of WASHINGTON County,
Oregon
and
WHEREAS, the
undersigned is tbe pesenl Beneficiary undersaid Deed ofl'nl t, and
WHEREAS,
the
underoigned
desires10 suhstitutc a
new Trustee
under said
Deed of
Trust
in the
place
and
S<C t
of
present
Trustee
thcmmdet.
NOW, TIIEREFORE. HOMECOMINGS FINANCIAL NlrrWORK. INC hereby substitutes CAL-
'1\'ESTERN
RECONVEYANCE
CORPORATION, A licensed Oregon
Bsc:row
agent
and
a California
Colp<ntion wbeae corporate addras s
5 5 BAST MAIN STREeT. P.O.
BOX 22004, EL
CAJON
CA
920'22-9004 as
a Trust
tmder
said Deed of Trust.
Whenever
tbe
conlelU
hereof so
requires,
the
singular number includes
the
plural
An
SEC
filing by Fidelity National
Title Co., stamped here, connects
them with LSI ntle
Company
of
Oregon, LLC. which operates as a
subsidiary
of lender
Processing
Services, Inc fka DocX aka Fidelity
National Financial, Inc whose
CEO,
Lorraine Brown, was
indicted
for
criminal fraud
by
the
U.S.
Justice Department and
the
Attorney Generals
of
Florida and
Michigan.
She
pled guilty to
criminal fraud and conspiracy to
commit fraud
in
connection
with
fraudulently produced deed
assignments
that
contained
forgeries and material
misrepresentations of fact.
>
Loan No.: XXXX\IC 63
T.s,
No.:
JO'T7668..Q9
DATED:
}.tuc Jl
/If,
( 6tdo
I IRA : Y r o ~ A H
•
VICE ottcl>IIJI NT
Stttoof ~ 1 ~
Counr) of T '\OL<IVt
-
t ~ / ~ ~ - - _ ,
• N o l l r y l l l l l l i c : l f l a n c l f i x l l l l i d ~
.
QEB tAIYNAN vrc& rautpM,
_.lytmwnO>mo(ar,.., . . . . . , , . . . . . . . bulsor
. . . - , . . - )
........
. ~ - -
;,/ ... 'lllo<fibodl >lht
and
<.......Wpd•au....--y.-l l le.._i•
l i t l l o « i d d a r - ~ · · - t l M I > y
hi l l l lool l looir ._-•)oodlo,__lhtpenol l (•) .ar
.... _, . , , _ lh tpeno l l t ) ocoed.
. . - , . -
WITNESS my l lud aodotllaal ...t.
Page2of19
On
6/28/2006
at 3:24:13 PM this
two
page
document titled,
"Substitution
of
Trustee," was filed
with
Washington
County.
It
fraudulently substitutes
the
original
trustee,
Pauls.
Cosgrove, and
the
original "Beneficiary," People's Choice
Home Loan, Inc., to give
the
appearance
of
authenticity
for
a
fraudulent assignment
of
deed
of trust
to Homecomings Financial
Network
Inc.
filed
the
same day. They
did
this to
initiate
a
fraudulent
foreclosure and
trustee's sale that same month.
Debra Lyman, a known robe-signer for
defendant
Ocwen aka Litton, signed
this
document
as Vice President
of
Homecomings Financial Network , Inc.
Her
signature is
dated
3/18/2006.
Laura Herrera, a Harris County Texas notary,
claims Debra Lyman "personally appeared"
before her. This is unlikely;
if
Debra
lyman
was
Vice President of Homecomings Financial
Network, Inc. she
would
have been
in
Minnesota.
Laura Herrera,
or more
likely someone else,
signed this document
in
Texas on March 20,
2006 two days
after
Debra Lyman signed
it.
The
signature was not witnessed as required
by
law
If
Debra Lyman was "personally
known
to Laura
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 24 of 64
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·
Exhibit A
to
Plaintiffs Response
to
Northwest's Motion to Dismiss
Fraudulently Fabricated Deed Assignments
Page3of19
US
District Court District
of
Oregon: Subramanlam vs. Beal, et al #3:12-CV-01681 MO
.
-
::s
'RECORD AND.RETURN TO----...
GMAC-RFC
ODe Meridian
Crossin Suite
#1
00
MiDDeapolis, MN
SS423
RECORD
CENTER AND DOCUMENT
ROUTING 03-03-40
l \ t \ 0 ~
*
.tOC\qC,"-3
r ~
==; ;:
2006-077542
- 2
110.00
lUI
l tM• 1'11111• Uf.OI
IIIII
ASSIGNMENT
OF DEED OF TRUST
D31S'fB
For Value Received, PEOPLE S CHOICE HOME LOAN, INC., a WYOMING CORPORATION
,
bolder
of
a
Deed
of
Trust
(herein
Asaigacr ) whose
adlfta
s
7515 IRVINE CENTER DR •• IRVINE. C 92618
• I c:orporalion
organi:llld and e:x.isling Ulldr:r tbe laws
of . (hc:rciD. •
Assipee ),.
whole
acldrcll
is
ONf tt.'«tt\t ID
~ N > I I l f t S ~
100, 1 \ I N ~ f i R f l l l l ' " •
MAl
$S.ct2;J ,
aCMain
Deed
ofTmtr,
dated 02/10/2004
, madund exec:ulllld by
DENISE SUBRAHANIAH
roPaul s. Cosgrove. L1ndsay Harte, Law Off
T r u s ~ a ~
UJ1011
the
foUowiq described propeny Jitualed in WASHINGTON • State
of
()rep:
5 t A U i t W * ~ J I I I I I W : f t L J D f \ T I I M M M I B * E I I I I I W W I W X I Q I I D U U J C i l
(A.P.M. #: R29757)
LEGAL
DESCRIPTION:
LOT
4, BLOCK 2, DEVONSHIRE, IN
THE
COUNTY
OF
WASHINGTON AND STATE OF
OREGON.
sudl
Deed
ofTlllSt
bmni been
given
to
sccurc
paymcm of
ONE
HUNDRED
SEVENTY·
SIX THOUSAND
AND
00/100
{S
176,000.00
(bocllldo lho OriilellPrinclpll-t
whkb Deed
of
Trust
is
of record in Doole,
Volwnc,. or
Liber No.
,
at pap
(or
asNo.UIMo0\41411'1)
oflhc
Records
of
WASHINGTON
County, Slate
of
Orqon,
toplhcr
with
tbt IIOIC(s) aod obliplinaa therein dcsaibed, the lllllltcY due aod to
become
due
lbcreon
with
n t c r e s ~ , aod all rights ac:crued
or
to accrue under such Deed ofTmst.
Of tVOII A. . . . . , _ of DHCI of Ttuat
wllh lclmow.....,..enl
_.IIW(OR) t iU), . .
Ul t
~ t e l l
vtiP
..
li RAetFCIWa•IIIOlliHUI
/ I D. ,7 S ?Z-
This is
the
2006 assignment
of
deed referenced
in
Plaintiffs
Amended Complaint page 16, line
17 as
"Assignment# ".
No assignment was filed
prior
to
this one, so as claimed
in
PlaintiffsAmended Complaint
the
sale
to
EMC and
the
securitization of
he
mortgage into
the
Bear Steams Trust
were
not
recorded. This fact, along with Cal·
Western's certification
that u o
assignments of he trust deed by
the
trustee
or
by
the
beneficiary
and no appointments of a
successor
trustee
have been made
except as recorded in the
mortgage records
of the
county
.•
voids Plaintiffsdeed of
trust
because a non-curable break
in
the chain of title exists.
Evidence of securitization fraud
exists,
as well,
because
the
Trust's
Prospectus states,
,.
Assignments
of he
mortgage loans provided to
the
custodian on behalfof
the
trustee will be recorded in the
appropriate public office for real
property records, pg. S.24.
This
instrument
additionally
contains forgeries and material
misrepresentations
of
fact
intended
to
deceive.
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Exhibit A
to Plaintiffs
Response to
Northwest s Motion
to Dismiss
Fraudulently Fabricated Deed Assignments
Page4of 9
US District Court District of Oregon: Subramaniam vs. Beal, et al #3:12-CV-01681 MO
TO HAVE
AND
TO HOLD tile
same UIIUI
Assignee its suc:cessor and assi IJIS, fon:va:
subject ooly
to
tile terms and conditions of ile above-described
Dctd
ofT ust.
Dana Lantr y signs this
instrumentas
Asst. Vice President
of
People's
Choice Home
loan,
Inc. She may have
been an employee of People's
however she was not an Asst. Vice
President; she
worked in their Loss
Mitigation
department.
Her
name is
on a loss mitigati on
form for UBS AG
New
York Branch
with the
same
address as People's Choice Home
Loan, Inc.
Dana
Lantry
Aut. Vice Pruidut
Tbisi ISirUIDaltPreparedBy:F1rst Allll r1can
T1tle
Market. #150, Portland, OR
97201
Notice
the
date above Dana's
signature is
12/29/05
and
that
this
date
is
written
in
the
same
handwriting
as the
one above
the
notary's signature. It also states that
the
document
was prepared by First
American Titl e Insurance Company
in
Portland
OR.
The phone number, 503-
79D-7890, is disconnected.
Stateof ~ . t . , ; . c ..........
Coualy or <f?A(I fiV<ie
by
This
inaii'ID1K:IIt was
acknowledged
before me on
" ' Z > A ~ A -
L . I 4 N T / ( l ) ' . I , A ~ · I C : : t
~ . E . . t " I ; , E n f -
as
..
. s
C ' t 4 . ~ t £
Ham,;;: t . . ~ , . ;
z . .
of
~ f b g ; _
C\-ltsW(Ofll
tlfHJ.o•
; 6 1 / -1 7 S ? 2 -
First American
Title
Insurance
Company's name was gleaned
from
the
Deed
of
Trust filed
in
2004
for
use
here. The same Is
true
for Paul s.
Cosgrove.
I spoke
with Mitch
Steeves, State Manager, at First American Title
on 11/2/11
and emailed this
assignment
of
deed of trust to him for review. He
told
me
It
Is highly unlikely his company prepared
this document. His email response is below:
G:mail- attach@d ere the documE?nts
your
company iupposedly preparti d. - d e e s y f e r t ~ . : : gma1l.com-
Mo:.nUa
Ftrefox
Search MJI il Search
the
Web :
~ ) p i n s
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Exhibit A to Plaintif f's Response to Northwest's Motion to Dismiss
Fraudulently Fabricated Deed Assignments
Page Sof19
US
District Court District
of
Oregon: Subramania m vs. Beal,
et
al #3:12-cY-G1681 MO
== = 2 8 ~ 7 3 9 7 1
On
8/27/2008
two
more
fabricated and fraudulen t
deed assignments were
filed. These assignments
of
deed are referenced in
Plaintiffs Amended
Complaint page 17, line 13
as
"Assignment #2 and
Assignment #3".
Refllra Addreu:
MGCMortpplnc
IJoc••eat
Control
7195
DaU..
Parkway
Plano, TX 75 4
llC 619608
a.MA
e ~
tt.ll
.. u.•.
Totti•
sa•
1. DOCUMENT
TITLE(l)
(or llJIIIIK:ticn wmaincd thmin); (IH...,.. <lhle
to
~ r ~
befti Ninl
ASSIGNMENT
OF DEED OFTRIJST
2. DIRECT PARTY/GRANTOR, requiml byORS20SJ25(1)(b) and ORS 20 .160
Hom-h lp
Flllaaeial
Nttwortc
INDIRECT
PARTY
CRAJiiTEE(s)
fCC uited
by
ORS
205.12j(IXa)
and
OilS
2 0 ~ 1 6 0
Retidtallal Ftlodhlc Company,
LLC
a.oG Nonulldalt Llllc
BMI., Suite 600
illiaaeapolis.
MN 507-Jil7J
4.
TRUE
ad
ACTUAL
CONSIDERATION if
any).
Tea alld Na/100
Dolltn
($10.00)
ALLTAXSTATEMENTSSHALLBESENTTOTHEFOU.OWIHCADORESS:
MGC Mottpp,lat.
7195
Dalla
Parkway
Plano TX7 824
FUll.
OR PARTIAL
SATISFACTION
ORDER
or WARRANT FILED IN THE COUNTY
CLERKS LIEN
RECORDS,
ORS205,121(1XE)
THE AMOONT
01' THE
CIVIL
PENALTY
or THE AMOUNT,INCLUDINC PENALTIES,
INTEREST AND OTHER CHARGES
FOR WlfiCH TlfE WARRANT,
ORDER
OR
JUDGMENT
WAS ISSUED.ORSlOS.IlS(I)OIIIdORS lS.325
MGC
Mortgage went incognito
:from
May 2009 until April 2010. None
of
their
customers could reach them. Even MGC•s attorney in a foreclosure case
in
2009 was unable to reach his client when ordered to do so by the court.
Home owners who made payments by check to MGC not credited to their
mortgages discovered that these checks were deposited, unendorsed, into
Notice that True and Actual
Consideration" for
this
transfer is only $10.00.
This address for MGC Mortgage
given here: 7195 Dallas Parkway#
Plano, TX Is empty
lot.
Mail sent
to
this address
Is
force
delivered
around
the
corner
to
6000 Legacy
Or Plano, TX 75024, the address for
Beal
Bank,
Beal
Financial Corp. and
LVN
Corp.
MGC Mortgage s a subsidiary of
Beal Bank/Beal Financial Corp.
D.
Andrew Beal is sole
owner of
these
entities.
MGC Mortgage has another
address: 1 Corporate Dr., Ste 360,
Lake Zurich, ll60047-8945. This is
the same address as Dovenmuehle
Mortgage, Inc • a company
that
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Exhibit A to Plaintiff's Response to Northwest's
Motion
to Dismiss
Fraudulently Fabricated
Deed
Assignments
Page&of19
US District Court District of Oregon: Subramaniam vs. Seal, et al #3:12-CV-Gl&al MO
ThiaassJariment
purp rts
to
assign
the
deed:Of
trust
from
a GMAC subsidiary,
Hotnecomtngs
l r i a r l c i a t , f l f e t W ~
Inc to another GMACsubsidiary, Residential;
Fundlnaglmpan'fi.LlC.
· ·
• · • · · · ·
<.'ORPORATION ASSIGNMENT of DEEDOF llUIST
: ~ ~ N = l l ~ ~
,
ro VALVE RICit Vn», ~ __ _.. ..
m . . - P f ~ o m ~ > y -
....... lld ...... en
to
~ ~ ' ' '
~ : ; :
:---: ~ : ; m r . . . . _ - ; 1 Y t UC
~ C O l · - . ~ "
.
·' . . . ,.\ctsa:::.eoo
~
~ - 1 1 m
Masse
Adjetey
signed
as
Vice President
of
Homecomings Financial Network, Inc.
with
no date.
all bcnellc:illlntcratW1<forllllrceo1aio
Dood ofT-datod 0211012004
• by OENISE
SUDI AMANIAM
rotFDit:
Ya:p\e ..,
C } D ~ e . e
\h-..e.
~ . ~ . Q
~ · r l ) b r ~ f . i o . . ,
l l l d r e e o t d o d i D - ~ . . h p ~ u - N o . IOO'I•Ol'l1}7..,
3lo/•'l
of otllcllllll<onll
in
lbo
Coulll)o R......,..
Olllu
f . . . \ , ) . ~ - ; . , . ~ ~
__ eou.q.,
o..p.
STAT OF
C. O\JNTYOF
DIL£·
VA
Pmidsm
o. 04/03J2006
b<f--.
ht
... ~ o n
• ....,
aNotary
P,blio in...,
r s ~ t y ~
Adjacey,
Vice
ofl . . . ._ ap
Fi._ll l
N«......t.,lnc.
pencNilly
10
UIO bo
l o
• I O i h o w i d l i n - a n d . . - a d p d o o _ l h a t . . , _ . . . . . . . . . , . t b o _ l n
hi>lhor...-..... , a n d l l l l r b ) l h i > l h o r ~ o o t b o _ . . . . , _ . . , . _ . . . . . , , o r . . . , i o h t b o
. . . . . . . , . . - . ~ ,
i . JTNl SS my hand
and
ofllc:lll tal.
Mary K. Olson signed as a Minnesota
notary.
Based on
Minnesota Secretary
of
Masse Adjetey's Unkedln profile shows him as a
Quali ty Technician
for
RytWay from August 2 8 to
October 2009, while at the same time he's Mortgage
Loan Specialist for Wells Fargo Home Mortgage. In
2006 he was student
at
an African University; so he
could not have signed this document
on
4/3/2006.
RytWay's
HR
Department confirms
that
Masse
Adjety-Adjevi was a full time employee during this
time. His position was Quali ty Tech Levell which is a
medium skill level position where he tested
the
quality of ood products.
How could a person
work full time
testing
the
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 28 of 64
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Exhibit A to Plain tiff's Response to
Northwest's Motion
to Dismiss
Fraudulently Fabricated Deed Assignments
Page7of19
US
District Court District
of
Oregon:
Subramaniam
vs. Beai,
et ai
#3:12-CV-G1681 MO
In
ooS
twqassignments
o
deeds
were
filed
orr
the.
SAM£
DAY. In
one assignment
GMACsubsidiary
Homecominas.Ftnancial
..
Network pufports to ~ the pOT to Residential t i n d f n S : C O m ~ . U.C., and{n the
t h e r a s ~ l g o m e n t
RFC purports tf)assian
the
DOT tcrlVN
Corporation•
tn
both cases the "True and
Actual Consit:feratiodt W.S$10. ·
>'
=:. a.: 2008..073972
Return Address:
MCC Mortpp lac
Doc
. . . . .
COIIIJ OI
7195 Oalla l'llrl<way
PlaiiJI. TX 15 24
BC 6 1
c : n t e t - e ~
S1I.IOS6.10tt1.1t·T-•*31.M
....__,,..,...I•--OREGON STATE RECORDER'S Cover Sheet
J. DOCUMENT TITLE( ) (or lnnsaetiolltconttiMd
therein): (aiiORU
appli<ab c docurneo IIJIIl
..
illed in)
ASSIGNMENT OF
DEED
Of
TRUST
2. DIRECT PARTY/GRANTOR. required by ORS
20S.I2.5 1) b}
and ORS 205.160
Reddentlal I'IUidlna o • p o ~ n y LLC
8400 Normaedtle Lake 81\>d., Suite 600
Ml•-oolk
MN 5507·10'7;)
3. INDIRECT PARTY CRAN TEt (s) required by ORS 20S.12$(1)(a)
met
ORS 205.160
LNV Corpo111tioa
11'.15 O.llas Parkway
Pla110,
TX 1501.
4. TRUE aad ACTUAL CONSIDER.\TION (ifany), ORS 93.030)
T e ~ ~ a n d
NQ/100
Oell an (SIIl-00)
___
•Au.
' ' T A T E M . . , . , H A U . H H N T T O T H I F O W > ~ I
MCC Mortpp,
Inc.
'
719S Dallas Part.way
J>la110, TX
~ i -
6. FULL OR PARTIAL SATISFACTION ORDER or WARRANT I'ILED IN TH£ COUNTY
CLERKS LIEN RECORDS, ORS 205.121 1
)(E)
7. THE AMOUNT
OF
THE CIVIL PENALTY or THE AMOUNT, INCLUDING PENALTIES,
INTEREST
AND
OTHER CHARGES FOR WHICH THE WARRANT, ORDER OR JUDGMENT
WASJSSU£D.ORS205.12S(I)CandORS
IU25
This assignment was filed
the
same
date
and
time
as the
previous one:
8/27/2008
and is
referenced
in
Plaintiff's
Amended Complaint
page 17,1ine
13
as
Assignment #3
Notice that the address stven
here
for LNV Corporation Is the
same as the
address for
MGC
M q a p l t
s
an empty lot;
see
the Gootle
map printout
on
the
folowlt11 pap.
Notice
that
True and Actual
Consideration- for this transfer
Is
only $10.00.
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Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 30 of 64
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Exhibit A
to
PlalntiWs Response to Northwest's
Motion
to Dismiss
Fraudulently Fabricated Deed Assignments
US District Court District of Oregon: Subramaniam vs. Beal, et al #3:12-CV-Gl&Sl MO
CORPORATION ASSIGNMENT of DEED
OF
TRUST
RFC Loan Number: 10335983
Seller Loan Number; I 0097$72
Page 9of19
FOR
VALUE RECEIVED, 'Reald•nllal
Fllndiat Compafty, I.I,C lluo
R<nldefttlal
Fundln1
Corpo
t
Betty
Wright
is another known robo
signer working
for litton.
And
the
notary who
signed this document,
Diane M. Meistad is a Partylite
Consultant according to her
WhitePages l isltng ,
but
she works
for
GMAC-Rescap
on her linked
n
profile and
other
information about
her
available online shows her as
being
74
years old. Both names show
up
on
numerous deed assignments
and
other
foreclosure related
documents across
the
country.
UN corpo..-tlon
71
gs
oauaa ParkwaY
Plano.
Texas
750
2
"
all beneficial
interesc
under thai certain Deed
o f
Trust dated 2/1012004
executed
by
DENISE SUBRAMANIAM
T O / F O R 9 e o p \ e ~ CJ-o1CJ . Horr.e ~ , J . I \ c . . k)'P ' 'rc.J (2,.-
Addro
13865 SW
WALKER ROAD BEAVERTON
MORTGAGE AMOUNT: $176,000.00
TOGETHER
with the
note
or
notes therein
described or re
with interest. and all rights acc:rued or to
accrue
under said 0
of
Tm.s:t.
'Realdentlal
Fundi11c Com
ny, LLC
si'ATEOI'
COUNTY
01' TITLE: A11.•is 1£
Ptt•id nt
Numerous
such
assigniTlents In behal f
of li;NV
COrporation
went filed acrossv
tbti'COwrtrvWitft,tlfe ~ W r i g h t ancti:
D i ~ n e ~ ~ I ' A e i s t a l i s i g n a t u . . f ; :
On
311012008
before
me. the undenigned.
a
No
Public
in and
for
said State penonally appeaned Deny
N ~ ~ ~ ~
3/tOfzooadate
on
the
notanzatiorti On the f6ftowjngpage ant-·
two more
x i r p o r a t i o n d e e d , ~ - ·
assignment
for; other
propertie$1n.;'s
favor
of.t.VN
siPecfon.the
e.Hetsatl-Je.
d J . . mtie·twdW omen.
·
Wright, A i . ~ i • t a n t Vice Presidenl of'Ruiderttt undina Company,
U.C llu1 Usiden<ial
.Furtdinll
Co.,.,..aci<>n'
personally
known
to
me
to be the
person wh
name is
subscrlbod co
the within instrument and aeknowledged
to
me that / h e
C t e t : ~ o i t e d
the
'S-Um. in hlt.lhe
rhorizcd
c : ~ i t ) , and
that
by hislhe:r
signature
on rhc: in.e.trumcnt
ae:tt:d. executed the instrument. WITN'ESS my hand
and official seal.
This
instrument
was
drafted by
Diane
Mcistad .
Resodential
Fundi 'l
CUtnpany. LLC. One Meridian
Cros•ini.IS• Suilc 100. Minneapolis, MN $5423,
R ; ~ f d s
~ t h e
Mit'U;\eSt)taSecretary
of.Stattit NotaWdivislqtifbr:thfs
notary
a n J · l n ~
Witlt
notaries
oftlffs,,,
name n t e o m ~ J s O n s oftt*; :\;;
r e ~ s l g n a t l i r e . S
wlth
this <me;:\
proVe
thiS:
signatufe " ' f o r g e r y .
(9S2) 979-4000.
~ J v 1 , M ty lMJJ d:Ju;/
N i in
:utd r Mid State
DIANE M.
MEISTAO
t.'OlAAY
PU81JC·MIIfMSOT"
Mar-AII IO- . S41,-0G
l'ilOM RTY
llr>DIIESSO
l )OOAVBA COUNt::U.HI.IiFI'S, lA SISIII
TOOilTllliR
_. .
____
_..._,.,_,w.nd
.........
dut-
_
ooi.O ,;pa........s Oftoacmoe
-told
M.. ..
.
._ t l llh C
Furthermore, the.sesipture.sare
: : : e n ~ " ~ ~ : : : : : m a n : ·
stated ~ o in favor
of the
United States.
for
criminal
conspiracy
to
defraud. ..>
:
Here
is
another
Betty Wright
signature
with
Diane
M.
Meistad signing
as
the
notary. Notice here
that
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 31 of 64
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Exhibit Ato Plaintiff's Response to Northwest's Motion to Dismiss
Fraudulently Fabricated Deed Assignments
US District Court District
of 01'1 1on:
Subramaniam vs. Seal,
et
al #3:12-cY-01681 MO
· · · · · · · · ·
a l l ~ ~ ~ ir RmrlMidoi IICCII1MlDccliofTMtdand l l n i ~
"''""''*byCAnlfiUNE G£8 1AltOT,
A .......... _ _..
m F O t t ~ .....
l
~ . \ . . . 1
\ k ~ t
....
vcl Q ~ · P ·
.
.,,
. . . .
, s . o < . l . { _ u _ o n l ' o t o ~
. _l lo. l l : I A _ o o .1..\..c.U....A.O.
< > f ~ a i R ~ i i i ~ ( N W )
l l ~ O f f b G f
~ h i . · ~ -
- ~ W M ~ ,
t ~
'H·Uf".t)t'
\ f ~
(\)tW' Ytlf Huntf :tl-l
U . l i l l > ~ - . . - ~
•
..-,Publio:
""'""'._
...._.,._......,.,.c
~ ~ f
.....
fO befhl . . .
~ l l l l l l f i i J I I t
t a i i " C ' t t G J < ' h t . , ~ J b t
N•t tyuc : - N W c f ~ t b 1 M f t l i W I . - .
_........ .__
t.U:
I<•
·
..........
c.rp.w.iao'
..-.._._...,...
, I O d : f b t 1 : b ) l h N - W . s i p M ~ n o a i J J M ~
......,_ wm.ESs..,.'-'
...""""'-
I
I
Noticethe 3/10/2008dat•on.thenotarization, Many
more examples
of
these two womeris5f8 Ultures on •
foreetosunJ documents
aerou
hecourjfry
existthatwere
preparedWiththiscsam. date.:, · · ·
o t i ~
this r u d u ~ ~ t l y f b r i c t e d
deedassfgnn)ent
signedby Mtd ael Meadafut
~ a n • r4 Mtistad;
Michael
MeadJs
n ) ~ t l s t Q t ~ r o b O · signeri
Diane
M•
Mebtad
R F ~ /
A
Fee -
l TalC-
Page10of19
••
2008-009582
COiitPC«Al.ION ~ f M M O M T C t A . t d t
'ORVALU - I I J ) , ' IM I I IS I_____ ....
li95s,riaa_R_ Wttlli,V&e:.-, .V4:UII:l
1 : : . t w t d m f p ~ D l " - * Y . - . . - p l l l i l . _ . , . ,
l N I I ~
71 1<10aluP-.,
Pfano,
r.....
7S0'.(4
---
Also Notice that both these homeowners are single
women
-i.e.
single
mothers-
a disadvantaged group
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 32 of 64
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Exhibit A to Plaintiff's Response to
Northwest's Motion
to Dismiss
Fraudulently Fabricated Deed Assignments
Page 11 of19
US
District
Court District of Oregon: Subramaniam vs. Beal, et
ai
#3:12-cY-01681
MO
Linkedfm.
Betty Wright
Loan Servicin¢'orfolio Mgr
at
Fannie Mao
G n ~ a u n
tttnne:apdis-.St
Patll
P..1el
Firranc;lJ
S& "r.c.es
•
loan
Servldng/Sr.Pollfollo Ugr at Fannie Mae
• Portfolio
Management
at Gfv1AC ResCap
•
Super.isor. Portfolio Management at GMAC RESCAP (formeny
GMAC-RFC)
• Spectal Servicing Umt SupeMsor at GMAC-RFC
•
Boston
Community College
145
connections
Betty Wright's Summary
Self motiVated, detail onented, team driven professional with over 19 yrs expenence
in
the
mortgage-banking mdustry
Innovative
problem
solver
with
advanced
knowledge of complete
mortgage
process, collections, undetwnting and operational side of the mortgage industry
Htghly experienced
tn
oversight ofnan.performing loans, loss mitigation strategtes, liqutdation
of real estate owned properties,
managing third
party relationships
while working
in a highly
paced
m u l t J - t a ~ s k environment
Specialties
Management and o ~ e r s t g h t of non-performing loans
Management
and
o ~ e r s t g h t
of Real Estate properties
Loss
Miligatton Strategtes
Due Diligence
Qoans,
REO and company)
Conventional
Loan Underwriting
Cotteclions (eany
to
late stage delinquency)
Loan Processmg
Vendor Management
Belly
Wright's Experience
Loan Servicing Sr.Portfolio Mgr
Fanniellaa
Portfolio Management
GUACResCap
o ~ : ; ( ; t ; & r 200 \- M<il :l":
~ i . ) ' : . " ? ·
(8 NJ:IS 13
rl1(;(:{i
IS)
Supervisor, Portfolio Management
GMAC RESCAP (formerly GMAC-RFQ
1
1 ~ 1 B - ~ t : f ; ~ 1
(11 ·:.·t=:.H :l
special Servicing Unit
Supervisor
GIIIAC-RFC
.
. : a n U · ] ~
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(•(tobe-r 000
(1
'Jear1
.:
monthJ)
~ : , Me1stad U ~ e r n a m e P h o 1 o ~ a: Proftle Pl<:s on P e e ~
You
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Pa;e of 3 • M
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Hlti> Y llOOknltm
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21> Most111Slted
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GetirlgSta11 d cfii ~ H e a d t n e s
Ci Cusln-
Lflk< w
reeHotma
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D1<11n@ M. M e 1 ~ t a d
Pmrtyhte Cons:ultant,
Samt
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AN
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WhJtePag>&
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•
Getli'1g Sta1lld
li<J
LatestHeachs C
OJstllltltzeLH<s
d
F r ~
· · · · · · · · ~ m · r a · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ·
pages
Find
People
Diane M. Meistad is a Partylite
Consultant according
to
her White
Pages
listing.
7
Diane M Meistad Partytite
Consultant
( l i ~ 1 ) ~ / 8 . 1 l 6 : 1 5
Ele Edt
· HltDry 1:901<ma-ks
J9ot1.
l::lOP
. ; w e y - m o ; ; : : ~ - : - , r o r e r - . : - - f f D S - E % " 1 f Y W F f f W
\ ~ _ . ~
. L : · . : ~ _ : : : . ~ : -
... . ~ . c ? . ~ . : ~ ~ ~ j - ~ i : X ~ . ~ t ~ : : ~ ~ ~ ~ ~ ~ · : ; . , ; ~ :- ~ - ; _ ( ~ ~ : _ , , _ ~ - = ~ - ~ , :
~
Most_VIslted .Get1tlg
LtJ
a t e s t . ~ C
~ t : r u
Diane Meistad
Sf.
Post
Funding
Specietist at
GMAC-Rescap
G = ~ a t Q •
M l r i M < l ; ; . ~ l i Q - S t
P ~ u
AA.a
C<ipil<:il
M a t . . , ~ t s
• Sr. Post
Funding
Specialist at GMAC-Re.cap
1 connectiOn
Diane Meistad's Experience
Sr.
Post Funding Specialist
GIIAC-R....,p
' ; . : .,
>
Diane M. Meistad's Linkedln
profile
is curious because she is
listed as a Sr. Post Funding Specialist
with
GMAC-Recap,
but
she has
only
has 1 connection and
no
previous
work
experience. This is odd for someone
with
a senior level
position. Compare
her profile with Betty Wright's
profile
which
is more typical for a
mature
career professional.
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 33 of 64
Page 33
8/17/2019 DC 18-1 Exhibits A to G to Denise's Response to LNV's Foreclosure Complaint
http://slidepdf.com/reader/full/dc-18-1-exhibits-a-to-g-to-denises-response-to-lnvs-foreclosure-complaint 33/64
Exhibit A to Plaintiff's
Response
to Northwest's Motion to Dismiss
Fraudulently Fabricated
Deed Assignments
US District Court District
of
Oregon: Subramaniam vs. Beal,
et
al 3:12-CV-01681 MO
\1)
'?\
After recording
return to
LITTON LOAN
SERVICING,LI'
4828 LOOP CENTRAL DRIVE
P.O.
BOX
4528
HOUSTON TX
77081·2226
IIJJ JJJJIJJI
I
•
JII.
Very
interesting
that litton has re-
emerged in these
documents.
T.S. No. 1077668-09 Loan
No.
XXXX 6J.
RESCISSION OF
NOTICE
OF DEFAULT
Reference
is
made to that certain Trust
Deed in
which
DENISE SUBRAMANIAM
was
Grantor,
PEOPLE S
CHOICE
HOME LOAN. INC.
was
Beneticiary
and sa1d
Trust Deed was recorded March 01,2004,
in
book/reel Volume
No. XX
at page XX or
as
f,-e/filelinstrunwntlmicrotilmfreception
No.2004-0199J7
(indkate
which),
ofthe
mortgage
records of
WASHINGTON
County, Oregon,
and
conveyed
to
the said trustee
the
following real property situated
in
said
county:
LOT 4,
BLOCK 2, DEVONSHIRE, IN THE COUNTY OF WASUING TON AND STATE OF OREGON.
A
notioe
of grantor's delilult under said trust deed, containing the beneficiary's or
trw.1ee s
election
to
sell the
above
described
real
property to satisfy grantor's obligations secured
by
said trust deed was recorded
on
June
28. 2006,
in said
mortgage records
in
book/ reel/volume
No. XX
at
page X X
or as
feelfile/instrumc:ntimK:rofilm/m:eption
No.
2006-077544
(indicate
which);
thereafter
by reason of cenain
payments on said obligations made as pennitted by the provisions of Section 86.760, Oregon Revised
Stamtes,
the
default describ.. <l in said nmiee of delilult has been removed, paid
and
overcome so that said trust
deed should be reinstated.
NOW
THEREFORE, notioe hereby
ig
given that CAL·
WESTERN
RECONVEYANCE CORPORATION
the
undersigned trustee,
does
hereby
resc:ind,
cancel
and
withdraw said notice
of
default and
ele<.1ion
to
sell; said
trust
deed and
all obligations
secured
thereby hereby are reinstated and shall
be and
remain
in
force and effect
the same as
if
no acceleration had occurred and as
i
said
notice
of
default had not been given: it being
understood, however, that this rescission shalloot be construed as waiving or affecting any breach
of
dt'fault
past, present or future-under said trust deed or as impairing any right or remedy thereunder, or as modifying
or altering in any respect any of he terms, covenants, conditions or obligations thereof, but is and shall be
deemed
to
be only an
~ l e t i o n
without prejudice, not to cause a sale to be made pursuant to said notice so
recorded.
IN WITNESS
WHEREOF, the undersigned trustee
has
hereunto set
its hand
and
al;
ifthe undersigned
is
a
corporation.
it has
caused its corporate
name to
be signed and its corporate seal
to
be
affixed hereunto
by
its
officers duly authorized thereunto
by
order
of
its Board of Directors.
NOROR doc
PageUof 9
On
2 24 11 they
file a
recession
of
default.
They
filed the 2006 fraudulent
notice of default
although
there
was
no default.
This
is
a
very
interesting document.
The emergence ofthese rescission
notices in Oregon foreclosures is
an
attempt to get around Oregon
laws:
Read this article to better understand
what's going on here.
Foreclosure
Sale Rescissions In
Oregon? http:/Jwww.g-
law.com/?p=2228
ORS 86. 735(1)
requires
that in order to
foreclose, not only must the original
trust deed be recorded,
but all
successive assignments
of that
trust
deed, must be
recorded
as well.
Without
this
"chain of title, there is
no
way to know if the entity conducting
the
foreclosure
has
any
right
to
do so.
Without
knowing
the
"genealogy"
of
the entire loan (i.e.
who had
owned
it),
from start
to
finish,
it is impossible
to
know who
has the legal right of
foreclosure today.
The chain of title
is
broken in my
case;
and every
assignment
that was
filed
is
blatant fraud
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 34 of 64
Page 34
8/17/2019 DC 18-1 Exhibits A to G to Denise's Response to LNV's Foreclosure Complaint
http://slidepdf.com/reader/full/dc-18-1-exhibits-a-to-g-to-denises-response-to-lnvs-foreclosure-complaint 34/64
Exhibit A
to
Plaintiff s Response to Northwest s Motion
to
Dismiss
Fraudulently Fabricated Deed Assignments
US
District Court District
of
Oregon:
Subramaniam
vs. Seal,
et
al #3:12-CV-{)1681 MO
It s intentional fraud when you forge signatures and claim to be someone
you
are not.
This
fraud
is
consistent with the methods
and means used
by
Lorraine Brown as stated in her conviction in favor of the United States for
criminal conspiracy to defraud.
RESCISSION
OF
NOTICE OF DEFAULT
Loan No. XXXX9663
T.S. No.
1077668-09
CAL-WESTERN RECONVEYANCE COR
Dated: February 21,20 11
STATE
OF CALIFORNIA
COUNTY OF SAN DIEGO
On
FE 2 1ZOlJ before
me
Rosalyn
Hall
a Notary Public, personally aP JCliRd. m • Pamela
Campbell,
Av p :who proved to me on
the basis
of
satisfactory evidence to be the person(s) whose n a m e s ~ subscribed to the within instrument and
acknowledged
to
me that
h e ~ e y
executed the
same
in hisljl«/their authorized capacity(ies), and that by hislh_,Pitbeir
signature(s) on the instrument the pcrson(s ), or the entity upon
behalf of
which the person(s) acled,
e ~ e u t e d
the
instrument. I cenity under PENALTY OF PERJURY under the laws Qf the Stale of California that the foregoing
pngraph is
true and
oorrect
WITNESS my
hand
and official s ~
Si&uture
~
(Seal)
Page 3of 9
Both Pamela Campbell and Rosalyn
Hall are notorious
Robo-signers. Lots
of nformation about them is
available online. What s even more
important, though, is that their
signatures are forgeries.
They may, or may not, be real people.
What is clear from comparing their
signatures
is
that multiple people are
signing their
names
on documents.
They deliberately
and
routinely
forge signatures like this
to
fabricate
documents that appear
legal
with
intent steal people s homes.
Pamela
Campbell
signs
as
an
officerof Cal-Western
Reconveyance Corp.; MERS Inc.,
Wells
Fargo
and other
banks;
and she also signs as a notary.
Her
signatures and hyperllnks to
documents with her signature
are on the next
page.
It
does
not take a handwriting expert
to
see that the various signatures here for
Rosalyn
Hall are not made
by the
same
person. The documents with these signatures
can
be produced for the court.
WI
fNESS my hand and official seat
S
U.naturo
/
•
Jib l -- -
· · · ~ · ~ ~ ~
NORORdoc
WinlESS my hand oud oiTlcial seal
S i c a a t a r e _ D .
WITNESS
mv
hand and official seal
Signature t.J ..-.--
WITNESS
my
hand and offici•
seal .
Sltnat•rc £ , ~
: .
Page
2of2
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 35 of 64
Page 35
8/17/2019 DC 18-1 Exhibits A to G to Denise's Response to LNV's Foreclosure Complaint
http://slidepdf.com/reader/full/dc-18-1-exhibits-a-to-g-to-denises-response-to-lnvs-foreclosure-complaint 35/64
Exhibit A to Plaintiffs Response to
Northwest s
Motion to Dismiss
Fraudulently Fabricated Deed Assignments
US
District Court District of Oregon:
Subramanlam
vs. Beal,
et
al 3:1Z-CV-G1681 MO
NOTARY PUBLIC OArH AND CERTIFICAT
Of
FILINO , .
MuSr BE FILED N
TME
coum C1.ERWS OFFICE BY 04-111-2008 i
• . • I .
I ~ cmify
that dw
oflick ll
bond a1ld oath ofcJ Ict cf pcl"$011
w f t o l ~
I
1101111 is
liuJWJt b«tow;
Wol
011 the
d O u / 1 ~ 4lld 1/w iJu b l ~ - m g
sa Cfl ' of
said oath.;
. . . ; • :
.
: .
. . ·
• ' .Sttl t
of
Calliomla' , '
•.
' · ' .\ -
• CCJIIIlly
Jt San
DlagG
. • •
r
• ~ < l l l l i i w o m l b ~ ~ ' : a n d
1
·
fllt>d
1ft
llf
D/fltr,
, • •
I
()It
. • •
] Fil#llltu171l/fkr,
dtil.
. r
- · - ' ' ~ : APR 0 4 2008:. ·:..;::_j
·. .
~ ~ ~ · · ·
· ~ . · · ~ c : r - ~ : A r . a .. a r ~ C l . . . . .
C ~ o t ---*-.-. _; -
SrM>Ic,_ .. ~ bit/Wttllfl""
.
..
. 1 1 _ '*l<t
. . . : JO_:_.
,
.
..
•
.
,
NOR: liOJliNJOitMA'DON ON
nutAMOtJNI
OP JIDS
fOJl
FIWIG
AND-ueotmii IG
1lllt •
•
ANDOA111
cONTACT
vooa ~ \ C L E i w R I l C O a n a . .
. · • ·
Oclledl
_. .._ .
·
A
g . .
..,j
i t ; ~ @
11w
ilt fl
flillllt
~
_
lw•JUH
_ , ; . , . v - . · ~ . f l e a k ~ ~ + -
~ ~ ~ i
Page14of19
This is a copy of Rosalyn Hairs signature
on her Notary Public Oath on file with
the San Diego County Clerk s Office.
This can be verif ied
at
619-237.0502.
It is clear
the
Rosalyn Hall signature
on
the fraudulently fabricated Recession of
Notice of Default in my case does not
match
this
official signature.
The Notary Public Section of the
California Secretary of State
told me
they have received several complaints
of
notary stamps being used by parties
other than the commissioned notary.
Using another person s notary
commission stamp and forging
their
signature is a crime.
Forgery is fraud; and this is consistent
with
the
methods and means used by
Lorraine Brown as stated in her
conviction in favor
of
he United States
for criminal conspiracy
to
defraud •
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 36 of 64
Page 36
8/17/2019 DC 18-1 Exhibits A to G to Denise's Response to LNV's Foreclosure Complaint
http://slidepdf.com/reader/full/dc-18-1-exhibits-a-to-g-to-denises-response-to-lnvs-foreclosure-complaint 36/64
Exhibit A to Plainti ff's Response to Northwest s Motion to Dismiss
Fraudulently Fabricated Deed Assignments
Page 15
of19
US District Coul1 District of Oregon: Subramaniam vs. Beal, et al 3:12-CV..01681 MO
Llnkedm'J.
Pam
Campbell
Manager.
of3rd
Party Systems at Cat.Wostem Reco,.eyance Corp
G ~ e - s h 1 r
S"'r:-
Die-go AteoJ 8-lr.bN}
• Uanagar of3rd Party
S y o ~ & m o at
Cai-Weslam
Reconveyance Corp
r 51
• Manager
of
Default Support
at Homecomings
Financial
•
Manager
at
GMAC ResCap
• Manager of
Defaun
Systems Support al GMAC Mortgage
Ecuc.;:t:on
• University
of
San
Diego
• National University
•
The
Sage
Colleges-Sage
College of
Albany
63 connect10ns
Slate
ofCA)
Counry of San DK>go)
$eeal
MORTGAGE
H.ECTRONIC REUISTRAilON
SYSTEMS
ll\C
_ c a £ £ / · ~ u _ .
P aCampbell. Aaat. sec.
Pam Campbelrs Experience
Manager of 3rd Party Systems
Cai-Waltem Reconveyance Corp
J:;:r.u¥1 ~ O D Pre-sent (3 years 11 rr.cnths)
CAL·WESTERN
RECONVEYANCE
CORPORATION
This is the signature on
the
Rescission of Notice
of
Default for
my
property.
Manager of Default Support
Homecomings Financial
' ~ ~ · « . ' '
' ~ . , p .
· . · ' · ~ .
- ~ b 1 . l : J r ' ; ' :oo2- S e p t e n ~ l ~ i j ; ' i G O " ~ (5
f ~ < : J : I - : .
(j
mu,-Jhs)
Manage MIS report1ng, city code violations, payoff statement creation on defaulted loans, and
loan charge offs
Manager
GMACRosCap
Manager
of
Default Systems Support
GIIAC lllortgago
Supervisor
of
Default Systems Support
Wells
Fargo Bank
Held
many
positions
in
the Loan SeiVicing area of Wells, ending
as
the Supervisor of Default
Systems Support. S upervised the MIS reporting for
the
defautt area,
including month end
performance reports and investor ad-hoc report requests. Other positions held
at
Wells were
Accounting
Supervisor and
Accounting Business Systems Analyst.
Pam Campbelrs Education
Unlvenlty of San
Diego
MBA, Finance
1'193-199 '
National University
8BA, Accounting
19 ).1
- 1 9 ~ ; 5
Pamela Campbell,
A.
V.P
THIS INSTRUMENT WAS DftAFTeD IIY:
hmC.mpbd
FIRST FEDERAl.
FS8
1001
L.ABORE
INDUSTRIAl. COURT, SUITE E
VADNAISHWGHTS,MI'I SSIIO
STATE OF MINNESOTA
COUNTY OF RAMSEY
STATEOF
lA
COUNlY OF Potta-.tblmle
Who
is Pamela campbell,
really? These signatures
look like a deliberate
attempt to deceive and
create
the
appearance of
two or
more
individuals
named Pamela campbell
signing documents
under
different roles.
PAMElA M CAMPBELl
o t m y ~
-
...........
....
The sage Colleges-sage College
of Albany
SA,
Political Science/Pre-lAw
1 ~ · J
· · · 1 ' ~ 8 2
This fraud is consistent with the methods and means used by Lorraine
Brown
as
stated in
her
conviction
in
favor
of
the United States for
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 37 of 64
Page 37
8/17/2019 DC 18-1 Exhibits A to G to Denise's Response to LNV's Foreclosure Complaint
http://slidepdf.com/reader/full/dc-18-1-exhibits-a-to-g-to-denises-response-to-lnvs-foreclosure-complaint 37/64
Exhibit A
to
Plaintiff's Response to
Northwest's
Motion to Dismiss
Fraudulently Fabricated Deed Assignments
US District Court District of Oregon: Subramanlam vs. Beal, et al 3:12-CV-G1681 MO
Appointment of
Successor Trustee
RE: TNSt
Ocod
From
DENISE SUBRAMANIAM
To
Gtllllor
LSI
TITLE COMPANY
Of
OREGON, LLC
SuccessorT1 USSAAe
Allor
m:oolinc""""'
to
(NIIIIle, ~ Zip):
Quilty
Leo•
Sonlce
Corp.
UtJS t l tA-M
S.• Dlep, CA 92111
TS No: OR-11-421694-NH
KNOW ALL
MEN BY 1HESE PRESENTS: DENISE SVBRAMANIAM is the IJ'IIll«, PAVL
S.
COSGROVE, LINDSAY HARTE,
LAW
OFF il he trus10e, ODd PIOPLE'SCHOICE HOME
LOAN,
I N ~ A
WYOMING COIII'ORAJION A CORI'ORATION
is
the
bcncfic:iary under thai <ertaiD deed
dared
2fiCI liiM.
recorded 311/21N, iD book
1JU111bor
US II pop
U l
ODd or U f l
file/ inolrumonl/
microlilm
/receptioa OIRJlber.
~ 9 9 3 7 of he
records
ofWASHINGTON, OJl
The
undersiped,
who
is
the pn:saot boncoficia'y wtdtr
the
tn st deed, desires to
appoint a
new truscoe in rhe
place ODd lllead or the or ig ino l nllllod
above.
NOW,
lHEIU FORE,
the
undeniped hereby
llppOiDia
.LSl
TITLE COMPANY
OJ
OREGON. LLC
aa
,. . . . .
..,.
nlJieC
under
the 1n1st
doed,
to all
the
powerof he
orlglnaltrus10e,
effecllve
imrnodlolh ly.
I n ~
lhis
illllniiMDI,
ODd
whenewrtbe c:ome.t so requiJft,
the
sin&* ndtKie$
the
plural.
IN
WITNESS
WHERBOF,
the uadenignod
heneficlary bu ••e uted
t h i s ~ If he
. - r t ignod s
a
corpcnlion. it bu .....eel Ja DOllie to ba •icnod
and
ill seal, if
111 1,
affiud by.,
of loer
or other penon doly
aulhorizod to du so by
order
of
is boord
of
directon.
I
Page16of19
On
4/22/11,
two months after
filing
the
rescission
of
default
they file a new trus tee successor
appointment and on the same
day
they
file a new notice of
default and
intention to
sell
which is on the following page.
Again they name PaulS. Cosgrove
as
the
trustee and People's Choice
Home Loan, Inc. as the beneficiary
under that certain deed dated
2/10/2004
and recorded
3/1/2004 .. They then claim the
undersigned; LVN Corporation is
the
present beneficiary under
the
trust deed
with
Bernadette
McDonnell
as
their authorized
singer. On
the
next page is
Bernadette's signature
as
the Vice
President
of
Dovenmeuhle
Mortgage.
The notary
on
this document, Lori
Beddard, like the others she is a
known robo-signer. Comparisons
of her signatures are on the next
page.
~
y:
Why is a notary from Illinois signing
these documents? LVN Corporation is a
Texas Corporation:
http;//www.powerorofiles.com/profile/000
05139706978/LVN+CORPORATION
HOUSTON-lX
It's another Andy
Beal
subsidiary,
Like MGC Mortgage.
Authorized
Signer
State
of: :.k UI
M/i S
County of: _.k,"""'ta..."""---')
Bernadette's signature on the left
is
where she signed
as
VP of
Dovenmuehle, the signature
on
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 38 of 64
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Exhibit A
to
Plaintif f's Response to Northwest's Motion to Dismiss
Fraudulently Fabricated Deed Assignments
Page 17
of19
US District Court District of Oregon· Subramaniam vs Beal et al #3·12-CV-Q1681 MO
The signature on
the
left is
In the signature on
the
right the pen stroke begins at
the
stem of
from my document.
the
B swoops upward then
down
to
form the
loops. These
signatures appear to be made by two different people.
~ c a :
z s ~
K J l ~ ~ X f > L
Sign/UP.(
~ p ~
Notary Public
On
the left
the pen stroke starts at
the
lower loop of the B sweeps upward to
form
both loops then
with
a
continuous downward sweep forms
the
stem
then
loops up
to
form
the other
letters in
one
sweep moving up
from
the right, down on
the
left.
==·er
2011-030472
~ 0 ~
.., ..... ,, .. , ........ olll•tru•
NOl'JCE OF DEFAllLT
ANDELECTJDNTOSILL
U :
Tnat
Deed
INa
DENISE SliBRAMANIAM
<lrtMIIr
To LSI TITLE COMPANY
OF
OU<lON, LLC-
s T
......
~ q - 1 0 - . a d d r e u , . z i p ) :
Quality
1. .
Senoia OII'JL olW
l l 41SdtAw
S u . CAnJOI
SPACI IIIOSI kVISD
fOR
RP.DJRDF.R'S USE
TS
No: OR-U-G%6 14-NH
Refer81ce
is
llliiiX
10
llilt
.WiaiD
1JU1t
deed
mldt
by
UINISit
SUBitAMANIAM
at
8J*Ilur,
lo
LSI
TITLE COMPANY
OF
OIU .GON,
LLC
u s - I U I I e l . n fAvar
of
PIOPLE'S CHOICE
HOME WAN,
INC., A WYOMING CORPORATIO 'C A COIU'OllATIO 'C, as bcaetkiary. diJed 2 ~
lN%004,
in
the Rmlrdl
ofWASHJ.NGTON
Cocmly,
<>recoa,lll
bcMIIi:
xn
at pqe ux,
aacllor u
f c e l l l l e l i n s t r u m e n t ~
No.l004-1119937 , coveriDs the
followm&
daerihed
ru1
prcperty silued in
the a Jinoe.malllioned Qllllll)llllld-.
10 wit:
APN:
IU9'7S7
LOT
4.
BLOCK
l.
D&VONSHUU£. IN THE
COUrtt\
Oft
WASHINGTON AND
STATE OFORIGON.
The
lllldenipcd
hmlby certifies that
no
usiclunall of be ll'IISI deed by the - or by lhe beneficiary
lllld
no appoUIImeola of a
succeasor
bave
been made.
m:qx
unoc:onklcl
in
lbe
RCCII ds
of
he
coursty or
eouaties ill whidlthe abow
described
real
pn perty is
siluaiN.
Funber. 110 ..cion
his
been iAstiiUiied 10 l l lCIO- the
debt,
or
)111 1
d creo(
110\0
temaiAin&
m:uml
by
the
1JUit
deed,
or,
if
sucb
anion
bas
been
lmll1ulld,
sud actioa
bu
been dlsmiSHd w:eptas ~ m ~ m . d by ORS 11(1.735(4}.
There
lila
ddindt
by
I JIIIfOI'
«other , . ._ owing • obliplioft, pt.l'funnance of wbidl
is secuml
by
the
IIUit deed,
or
by lbe ill n .
wilb
mpeet to
proviaioDS
dterciD whicb
aUiharbe sale in
the
event of
Mil
provilloa. The de&ult tbrwblcb il made is &mdDf'l
f.ailun: to
pay
when
dtle
the followq
SUII15;
Dellloop•t
p.,_
••
FROM Il:iBJ,l
41112 11 4/lG/l8U
51,515.78
Once again People's Choice
Home Loan, Inc. was dissolved
after bankrup tcy in 2007 so LSI
Title Company of Oregon, LLC
cannot be a successor trustee in
favor
of
PCHU.
Now some new
third
party
(or
reinvented
old
party)
is
attempting to claim a default
in
behalf of a company that hasn't
existed for four years. There has
been
no
legal assignment of
the
trust deed
to
them. They claim I
missed 50 payments. This is a
false and fraudulen t claim.
LSI
Title
of
Oregon
is
a
subsidiary
of
Lender Processing
Services, a company operated
by Lorraine Brown and named
in
Exhibit A to Plaintiff's Response to Northwest's Motion to Dismiss
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 39 of 64
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Fraudulently Fabricated
Deed
Assignments
US
District Court District
of Orqon:
Subramanlam vs. Beal, et al #3:12-CV-G1681 MO
OWNER OF THE
NOTE.
ANY
L'IJi'ORMATION
OBTAINED BY
OR PROVIDED TO
THIS Ji'IRM OR THE CREDITOR WILL BE USED FOR mAT PURPOSE.
AI
requlnod by r.w. you ore bcrcby IIOiillcd -
1 P1M
aedit
nport
et1ec ina
011 your <m it
nocord
may be
subonillod to a c:redil-....,. f ou fllil to fWJIIIIbe lamS ofyma-aedil
abllptlons.
NWJCI
IoiMANJSl
TENANTS
Of
THlt SUBJECT REAL PROPIRTY HAVE CERTAIN
l'llOTI<.TJONS
AFFJIORDIED
TO THEM UNDER Ol1S16.75 1 AND I'OIISIBJ.. Y
UNDO
J'EDUAL
LAW. 41TACIIIEDTOTHJSNOt1C&OfDUAULT,ANDINCOIU'ORATIEDHEil&IN,JSANOt1CE
tO TENANTS THAT SETS POlt11t SOM& WTH& PROJ' JCTfONS
THAT
AR& AVAILAJIU: TO A
TENANT 01' Till SUBJECT
REAL
PROPillTYC AND WHJCH SETS FORTH CERTAII'I
REQUIRMENTS THAT
MUST BE
COMPLIED
WITH
BY
ANY
TINANT
IN
ORDER
TO
OBTAIN THE
AFJIORDIED PROTECftoN, AS JI&QtllllED IlNDER
OilS
Daled:4120/lOJI
For Noa-SJiolnljmpMn;
Qualily Lom Scnke
Corp.
of Willll.inpm
2141 Slh Avenue
S1111 Die&o, CA
92101
619-645-7711
Fu.: 619-645-1716
~ l l / 1 1 2 0 1 0
LSI
TITU\
COMP""l'
Of OlliGON , LLC, •
l l tU A
ForHft.Ht"""""' -i
5 u D1op,
CA Qll l
~ 1 1 1 < . ~
p?>t.'\>0 "'-£ I AVI 't•i U.O
. , ~
.....
Qoltib
S o n i o o C o r t > ,
of
w........
l ~ I ~ A
SIO liep,
CA
li:IIOf
61J-64S.7711
F""' 61U4$-7116
Page 18of19
All these defendants are still forging
signatures of people who may, or may
not
be,
the
officer or notary they are
represented
as
being on these documents.
B. Burdine signed this default notice on
4/20/11 and her/his signature was
notarized by Orange County California
nota ry Enedina
0.
Sanchez
on
4/21/11.
Below are signatures from two other similar
documents I found online
with the
signatures of these same
two
people.
Notice
the
signatures are
not
the same as
the ones on the notice
of
default for my
property.
A comparison of hese signatures and links
to
the
full documents
they
came
from
are
on
the following page.
The fraud evidenced in these documents is
consistent with the methods and means
used
by
Lorraine Brown
as
stated in
her
conviction in favor of the United States for
crimina l conspiracy to e f r a u d ~
U l ln T U i lC O M P A A Y G r - U . C • -
2 1 C I M A -
S.llloii.CAUIII
S J ~ · ~
\ ' ' ' ~ :• ..:
1
A .
~ c c . n l ' . : ; ~ _ . - . . . . -
"'<,.
• •
Exhibit A
to
Plaintiff's Response
to
Northwest's Motion
to Dismiss
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Fraudulentl y Fabricated Deed Assignments
US District Court District of Oreson: Subrama nlam vs. Beal,
et
al #3:12-CV-01681 MO
SlgnatureBytf' ..
1 3 i ? w . t > , ~ A ~ J ? { w o
'jl.t,M't'l-
It
does not take a handwriting expert to
see
that the various signatures here for B. Burdine are not made by
the same person. Hyperlinks
to
the documents with these signatures are below.
WITNESS my hand
nd ollk:lal
seal.
S i g n a t u r e ~ ~
Enedlna
o
sanchez
WITNESS my hand aod
official seal
Page 19of19
The
variations in the signatures here for
Enedina 0. Sanchez
are more subtle than the differences in the signatures for B.
Burdine above but
even
If
the
same
person did make these signatures a notary
Is
sworn
to
validate other people's signatures
and this notary swore
to
the validity
of
three obviously different people making forged signatures. This Is fraud.
Hyperlinks to the documents with these signatures are below:
Benton
County Oregon- Notice
of Default
signed by both B. Burdine and Enedina
0.
Sanchez
Skagit County Washington- Trustee's Deed signed by Enedina 0.
Sanchez
Clark County Nevada - Notice of Defau It and Sale-
signed
by Enedina
0.
Sanchez
Polk
County. Oregon- Notice of Default and Sale- signed by both
B.
Burdine and Enedina 0. Sanchez
Klamath Countv. Oregon- Notice of Default and Sale-
signed
by Enedina 0. Sanchez
Jackson Countv. Oregon- Notice
of
Default and Sale- signed
by
Enedina
0.
Sanchez
Jackson Countv. Oregon- Notice of Defaultand Sale- signed by Enedina 0.
Sanchez
NOTE: Almost all these fabricated legal instruments involve LSI Title Company of Oregon, LLC as trustee and Quality Loan
Service
Corp. According
to
Bloomberg BusinessWeek
and
listings provided by the SEC
LSI
Title
Company
of
Oregon
LLC
operates as a subsidiaryof ender Processing
Services
Inc. a company operated
by
lorraine Brown and named in her
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DEFENDANT S EXHIBIT E
Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 Page 42 of 64
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l
2
3
4
5
6
7
8
10
11
:: 2
13
14
15
16
17
18
19
2
21
22
23
24
25
26
Inre:
UNITED STATES
DISTRICf COURT
DISTRICT OF R E G O N : : - l L E l i - ~ ,
-. VfflR•t]1'">,
PORTLAND DMSION •c 4(N.Js JC.fl{p
j
Case
No.
3:12-CV-1681
MO
I
DENISE SUBRAMANIAM prose,
Plaintiff.
D.
Andrew
Seal et al. I DECLARATION OF
I ~ W ~ L P T L O
Defendants, .
I
WILLIAM
J.
PAATALO HEREBY DECLARE
AS
FOLLOWS:
1.
I am an Oregon licensed private investigator under ORS 703.430,
and
have
met
the necessary requirements under ORS 703.415.
My
Oregon PSID number
is 49411.
2. I
am
over
the age
of eighteen years, am
of
sound mind, having never been
convicted
of
a
felony
or a
crime
or moral turpitude. I
am
competent in all
respects
to make
this Declaration. I
have
personal knowledge
of
he matters
declared herein, and i called
to
testifY I could and would competently testifY
thereto.
3. I have 17 years combined experience in law enforcement and
the
mortgage
industry.
4. I worked in
the
mortgage industry from 1999 to 2008. I
was
a loan officer
with Conseco Home Finance from 1999 to
2000
before becoming a ••mortgage
broker''
from
2000 to 2008. I was the President
of
Midwestern Mortgage, LLC
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2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
My
company was strictly a broker for numerous lending institutions to
which I would originate loans on their behalf. I was
not
a lender, nor was I
involved in ''Table-Funding loans.
5 I have worked exclusively over the last 30 months investigating foreclosure
fraud and issues related
to
the securitization
of
residential and commercial
mortgage loans.
6. I am a Certified Forensic Mortgage Loan Auditor (CFLA), and have spent
more than 4,500 hours conducting investigatory research specifically related to
mortgage securitization and chain
of title analysis. I have performed such
analyses for residential real estate located in many states, including, but not
limited to Washington, Oregon, California, Nevada, Florida, Montana,
Arizona, Ohio,
New
Jersey, and several other states.
7. As a result
of
the above education and experience I am familiar with issues
involving securitization and foreclosure, and I have sufficient training and
expertise to qualify as an expert.
8.
My
securitization and chain
of
title analyses here involve the factual aspects
of
securitization and chain of title. ·
9 n the performance ofmy securitization and chain of itle audits I rely, as do
all persons who perform specialized investigative
work
relating
to
the
securitization ofmortgage loans and chain of title issues, on a multitude of
sources. These sources include, but are not limited to
my
Bloomberg
subscription; ABSNet; Edgar a search tool for Securities and Exchange
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2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
securitization of said loan. I was also asked to provide
an
opinion as to the
beneficiary status
of
the Subramaniam deed
of
trust and promissory note.
11. The following publicly recorded documents were inspected on the Securities
Exchange Commission's (SEC) government website at
http://www.sec.gov/:
A. The BSABS 2004-HE4 Trust 424b Prospectus Supplement filed May 26,
2004: http://www.secinfo.com/dqTm6.1122.htm
B. The BSABS 2004-HE4 Trust Pooling Servicing Agreement filed June
9, 2004: http://www.secinfo.com/dqTm6.114m.d.htm
12.In addition, the following exhibits were inspected and marked as follows:
C. BP Investigative Agency Exhibits A-C -Bloomberg Evidence
D. BP Investigative Agency Exhibit
D
EMC
Letter
E. BP Investigative Agency Exhibit
E
-
:MERS
captures
13. After examining the above documents, my opinion is that the Subramaniam
loan was sold into the BSABS 2004-HE4 Trust on or before May 1, 2004;
the Cut-off Date for all loans
to
have been sold to the Trust.
14.The subject loan was originated on
or
about February lOth 2004 with the
Lender on the Deed
of
Trust being named People's Choice Home Loan,
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1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
of assignments that this ever happened. n fact, the entire sale of he subject
loan, and its presence within the Trust, have been glossed over
and
hidden
in
the loan's chain
of
title history.
16. The following parties were named as Trust participants per the Trust's
governing document (the Pooling Servicing Agreement - PSA):
Oriqinators :
The
pr inc ipa l
or iginators of the mortgage
loans
are:
Encore
Credit Corporation,with respect
to
approximately
30.38%
of the
mortgage
loans
and
People s
Choice Home Loans,
Inc . with
respect to
approximately 58.78% of the mortgage
loans.
The
remaind.er
of the mortgage
loans
were
or iginated
by various or igina tors none
of
which have or iginated more
than
10
of
the
mortgage loans.
Depositor:
Bear
Stearns
Asset
Backed
Secur i t ies
I LLC, a
Delaware
l imited
l i ab i l i ty company
·and
a
l imited purpose finance
subsidiary of
The Bear Stearns Companies Inc. and an
a f f i l i a te of
Bear,
Stearns & Co. Inc.
Se l l e r :
EM Mortgage Corporation, a Delaware corporation and an
a f f i l i a t e of the
depositor
and
Bear,
Stearns & Co. Inc .
which
wil l
se l l
the
mortgage
loans
to
the
deposi tor.
Master
Serv icer :
EMC Mortgage Corporation.
17. The Cut-Off Date for the loans to be transferred, sold, and conveyed
to
the
Trust was May 1st, 2004. Here is what was supposed
to
happen per the PSA:
Sec::f:ion 2 Ol CONVEYANCE O 7 RUS'J
I TJND.
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2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
The
Seller
has entered into this Agreement
in
consideration for the purchase
of
the
Mortgage
Loans by the Depositor pursuant to the Mortgage Loan
Purchase
Agreement
and has agreed
to take the
actions
specified
herein.
The Depositor,
concurrently with the execution and delivery hereot hereby
sells,
transfers,
assigns, sets over
and
othetWise conveys
to
the
Trustee
for the use and benefit
of
the
Certificateholders, without
recourse,
all the
right,
title and interest of the Depositor in and
to
the
Trust Fund.
In
connection
with such
sale,
the Depositor has
delivered to and
deposited
with,
the
Trustee
or
the
Custodian,
as
its agent the following documents
or
instruments with
respect to each Mortgage Loan so assigned: i) the
original
Mortgage Note, including any
riders
thereto, endorsed without recourse to the
order
of
LaSalle Bank
National
Association, as Trustee for certlficateholders
of
Bear Stearns
Asset
Backed
Securities ILL
Asset Backed Certificates, Series 2004-H£4,
and
showing an
unbroken
chain of
endorsements from the
original
payee thereof
to
the
Person
endorsing it
to
the
Trustee,
Sect ion 11 04 ~ O N OF P A R ~ Z E S
It
is the
express
intent
of
the
parties
hereto that the
conveyance of
the Mortgage
Notes,
Mortgages, assignments of Mortgages, title insurance
policies
and any modifications,
extensions and/or assumption agreements and
private
mortgage
Insurance policies
relating to the Mortgage Loans by the Seller to the
Depositor,
and by the Depositor
to
the
Trustee
be, and be construed as,
an
absolute
sale
thereof
to
the Depositor
or the Trustee,
I
as applicable. It is,
further,
not the intention
of
the parties that
such
conveyance be
deemed a
pledge
thereof
by
the
Seller to
the
Depositor, or by
the
Depositor
to the
Trustee.
18.Subject loan was identified
within
the above referenced Trust using the
Bloomberg Terminal. Bloomberg Exhibits A-C contain the following:
Exhibit
A Subject loan identified as loan number 9722547 within the
BSABS 2004-HE4 Trust, Group 0. (Note: Loan numbers often vary and
change from the original loan numbers assigned to the original loan. Also, the
Orig Date
is typically the month following the actual month oforigination.
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1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
xhibit List of
15
Tranche Classes within the BSABS 2004-HE4 Trust
showing 6
of
he
15
tranches being paid off.
xhibit
C
Loan level history data within the BSABS 2004-HE4 Trust.
Subject loan is# 108. The data runs perpendicular in the additional pages of
the exhibit. The exhibit shows that the subject loan was paid
off'
in
December
of
2005. The pay history shows that the subject loan was current
( C ) as ofNovember
of2005,
90-days past due ( 9 ) as
of
October 2005,
60-days past due as
of
September 2005, and in foreclosure status ( F ) as of
August 2005. This coincides with the EMC letter dated 04/18/06, paragraph
4
Ms. Subramaniam's loan entered foreclosure proceedings
on
August 9,
200[5. ]
19.The EMC letter also states
in
paragraph ~ A c c o r d i n g
to our records,
EMC
acquired the above referenced loan from People s Choice Home Loan on May
1
2004.
What
this letter fails to state is that EMC was the Seller''
of
the
loans to the Depositor (Bear Steams Asset Backed Securities I LLC, a
Delaware limited liability company and a limited purpose finance subsidiary
ofThe Bear Steams Companies Inc. and an affiliate ofBear, Stearns
&
Co.
Inc.) on that very
s·ame
day. Also on that very same day, the Depositor was to
sell the loans to LaSalle Bank, N.A. as Trustee for the BSABS 2004-HE4
Trust. This statement contradicts the recorded assignments of the DOT.
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2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
21.None of these events took place, and none
of
the Trust entities ever perfected
their security interests for the following reasons;
A
There have been 3 assignments of the
DOT
recorded in the county land
records. Assignment# 1 was recorded on 06/28/06 as document No. 2006-
077542. This assignment was allegedly executed
on
12/29/05 whereby
People's sells, assigns, transfers, and conveys the subject Note and DOT to
~ H o m e c o m i n g s Financial Network, Inc. (hereinafter HFN. ) This
assignment circumvents the entire sale
to EMC that was to have occurred
on 05/01/04.
<
This assignment also occurs within the same month that the subject loan
was paid
off'
within the BSABS 2004-HE4 Trust.
B. The 2nd and 3rd assignments
of
the DOT are simultaneous. The 2nd is
recorded
on
08/27/08 as doc No. 2008-073971 whereby
HFN
attempts to
assign, sell, convey, and deliver the Note and DOT to Residential
Funding Company, LLC (hereinafter RFC. ) The 3rd is recorded on the
same date as doc No. 2008-073972 whereby RFC attempts to assign, sell,
convey, and deliver the Note and DOT
to LVN
Corporation.
22
The first Notice ofDefault which was recorded against the property on
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2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
which the above described real property is situate[d. 1
This statement
confirms that no assignment was ever recorded evidencing a sale from
People's to any other Trust entity or the Trust itself. This represents a fatal
break
in
the chain
of
title.
22.The Trust's Prospectus states,
Assignments
o
he mortgage loans provided to
the custodian on behalf
o
he
trustee will
be
recorded
in
the appropriate
public office for real property records,
pg. S-24.
23.To further cloud the title, the subject loan was assigned a MERS identification
number .MIN#1000221-0009722547-8
at
some point after origination. A
check
of
the MERS Member directory showed that this number was assigned
to JPMorgan Chase Bank, N.A.
fka
EMC. MERS Captures 1&2 are
attached as an exhibit and· show the subject loan as inactive in the MERS
Registry with JPMorgan Chase Bank, N.A. fka EMC as both the servicer and
investor.
24.0riginated by MERS, the Mortgage Identification Number
(MIN)
is a unique
18-digit number used to track a mortgage loan throughout its life, from
origination to securitization to pay offor foreclosure. The fvffiRS Quality
Assurance Procedures Manual Glossary defmes Deactivation as follows:
When a loan becomes inactive on the MERS System for one of the
following reasons:
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CONF\OENT\ L
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Aprll18.
2006
Stale
ofOI:egOD
Department ofCoQSUilWand Business Services
~ T'unodly'C. Spencer
P.O.
Box
14480
Salem OR 7 3 0 9 ~
Ro:
Dear Tunothy C. Spencer.
. 0009122541
n• ubramamam
13865
S.W. Walker
Rd.
Beaverto11
OR 97005
EMC
Mcmpae
Co.rporadon
EMC)
is
dedicated to
ptoVidins
thebipat
ovel
~
service. Your concems
aro
very imporfaDt
to
us,
8Dd
we
appr;eciate the opporh.IDity to
provide
you
with
the fi)lJowimamfimDatioD
reprding1hl
servicini
of
his
account.
AecordiDa
to our
tcC01'ds, BMC acquired the b o v ~ loaD ftom
People's OJoiceHome
Loan oo May 1, 2004.
We
have ~ e d a copy of
he
Welcome e t t e r ~ mailed to Ms. ·
SubramaDiam followios
tho
transfer, In addition. we have enclosed
a
copy
of
our mortgagor's
.
1om
hi.stoly. The· i r s t ~ BMC
received
for
this
loan,
in
the amount of 1,169.76, was
applied
on July
1,
2004
the May2004 iustallinent.
The
June 2004 instt_llment
was applied
tO
the loao
on
loly
6
2004,
UJd
a
payment in.
8DlOUDt
of
2,339.52. was applied tOW8ld ct.
July
2004
and
Ausust
2004
imltallmoJJIJ
on
Aupst
23,
2004.
Our
reconls
iDdicatet
ti'J8t
we
did
not
recehe a
paymeut
in
September 2004,
c t o b e r ~
Mardl200S, July
200S or upst
200S. I f
our
mortgagor
is
in dispute
of our
filldings,
she mB J forwaad
ftoDt
ao4
back
tq)ie8
ofC81lQe)led
cb.ects
fortba payments
in
cpaUon to the
mailiq addross.below If
ouuaearca-conftrms that
any
payrn«dS are misldD&
w e ~
make the p p r p r i a t e ~ to our credit repordng. ·
~
Ms.
Suhramarriam sloautltered fOndosure proceedinp
on
August9,
2005,
at flllidl
time
the
loan was paSt due for the
May
2005 iostallmenL Foreclosure
actioll
wu suspcndecl OD
September
16,2005. wben
ourmodpgOJ eoa.eda
fbrbeanmce th)der tho terms of
this agreenaeot, our
tD01'tgagOr
wu required
to pay 1 ,349.76 by the 12th of c h ~
:tiom
c t o b e r ~ 1htough September
2006. Please
be
advised that we
aOowed
u r ~
to
remit sevml ofberpaymellt8 after tbe stipu1atod
clue
date,
attd we
maintained
this
agreement
with
our mortgagor
UDtil tbe
1oaa.
was transferred to
GMAC.RFC'JHomecomina (GMAC)
Oft
Pebrualy
9, 2006.
~ . ~ ~ ·
: :
J·.
;
:, .
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-
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u.
MIN: lOQ0221-0009722547-8
Note Date:
02/10/2.004
. · . .
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MIN
Status: l n i K U V ~
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P h o n ~ :
(800)
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Monroe,.
LA
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a
borrower
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l o a n ~ you can dkK bfire to enter additional informatiOn and dtsplay
the
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