dc 18-1 exhibits a to g to denise's response to lnv's foreclosure complaint

8/17/2019 DC 18-1 Exhibits A to G to Denise's Response to LNV's Foreclosure Complaint

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DEFENDANT S EXHIBIT A

Case 3:14-cv-01836-MO Document 18-1 Filed 01/26/15 of 64



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)




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




~ 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




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




DEFENDANT S EXHIBIT B


C 3 14 01836 MO D t 18 1 Fil d 01/26/15 P 7 f 64



'

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 8 of 64



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 9 of 64



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 10 of 64



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 of 64




DEFENDANT S EXHIBIT C

Case 3:14 cv 01836 MO Document 18 1 Filed 01/26/15 of 64




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

3:12

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




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 # 3:12- 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# 3:12- 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 3:12-

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 3:12-

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 3:12 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




..._.

DEFENDANT S EXHIBIT D




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




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:




Exhibit A to Plaintiff's Response

to Northwest's Motion

to Dismiss


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




·

Exhibit A

to

Plaintiffs Response

to

Northwest's Motion to Dismiss


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.




Exhibit A

to Plaintiffs

Response to

Northwest s Motion

to Dismiss


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




Exhibit A to Plaintif f's Response to Northwest's Motion to Dismiss


Page Sof19

US


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




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




Exhibit A to Plain tiff's Response to

Northwest's Motion

to Dismiss


Page7of19

US


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.



Exhibit A

to

PlalntiWs Response to Northwest's

Motion

to Dismiss


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




Exhibit Ato Plaintiff's Response to Northwest's Motion to Dismiss


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




Exhibit A to Plaintiff's Response to

Northwest's Motion

to Dismiss


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 · ] ~

1

' i ' i -·

(•(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

I

Pa;e of 3 • M

C<Jt 'dew<

Hlti> Y llOOknltm

l Xlls

tM>

u.

.. '

Nt1P9"li ''

c

hliUWU t

. ~ · ~ ~ Y < J U _ _ : C _ O I 1 i __:'_·.'•'C\9>ie)C"',

21> Most111Slted

•

GetirlgSta11 d cfii ~ H e a d t n e s

Ci Cusln-

Lflk< w

reeHotma

"".'

D1<11n@ M. M e 1 ~ t a d

Pmrtyhte Cons:ultant,

Samt

Paul,

AN

I

WhJtePag>&

, ~ l · · ~ . : . ~ · : ~

..

: ~ ~ : ~ : ~ ~ } : ~ - ~ : : ; ~ : : ~ : . : . : ~ ~ ~ ~ , ? · 1

- 1 : : - : : : . ~ : : . ~ : ~ ~ : ~ : : : r · .

'i.

' ~ . ' ~ . : ~ ~ ~ -

;lj Most Visited

•

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.




Exhibit A to Plaintiff's

Response

to Northwest's Motion to Dismiss


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




Exhibit A

to

Plaintiff s Response to Northwest s Motion

to

Dismiss


US


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




Exhibit A to Plaintiffs Response to

Northwest s

Motion to Dismiss


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 •




Exhibit A to Plainti ff's Response to Northwest s Motion to Dismiss


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




Exhibit A

to

Plaintiff's Response to

Northwest's

Motion to Dismiss


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




Exhibit A

to

Plaintif f's Response to Northwest's Motion to Dismiss


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





Deed

Assignments

US


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




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




DEFENDANT S EXHIBIT E




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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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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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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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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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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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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14

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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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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:



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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l f ~ " ' t ; ; ; J t l f i i i i i ' . J ' ~ ~ ' i l ' ~ ~ _ . . . ~ ~ i i k l i t ' J i l l l i l l l l t t i ' "

. .

l i f t i r . . l l l l ~ l i l i ' ~ i l : m ~ l i t \ ~

l recQrd

matched

your e ~ r c h :

NfH IIhelp

u.

MIN: lOQ0221-0009722547-8

Note Date:

02/10/2.004

. · . .

·.

MIN

Status: l n i K U V ~

5ervicer:

P h o n ~ :

(800)

848-9136

Monroe,.

LA

I f Y )U

ar4 11

a

borrower

on

this

l o a n ~ you can dkK bfire to enter additional informatiOn and dtsplay

the

Investor

n a m e ~

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r

more

informatiOn

about

Mortgage Eled:Jonic RegistratiOn Systems, Inc.

(MERSJ

please

o

to

W t(W,me,rsint.ora

C(>pv.:ight© . , lll;;

·by

MERSCOOP Hah: fr•9,;, ln;;;

dc 18-1 exhibits a to g to denise's response to lnv's foreclosure complaint

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