WHO’S GUILTY OF DETROIT MORTGAGE FRAUD? NOT WELLS FARGO, BUT COMMUNITY ADVOCATES, SAYS COUNTY

Protest against Wells Fargo's fraudulent practices.

Protest against Wells Fargo’s fraudulent practices.

Long-time activists Cliff and Mary Ann Stafford convicted of charges related to defrauding Wells Fargo Bank; Mrs. Stafford faces up to 15 yrs. in prison

Staffords not connected to any monetary transactions with Wells Fargo

Judge Michael Hathaway steered jury with instructions including “aiding and abetting” uncharged parties

Unethical practices used to verify signature on questioned deed: “If your handwriting matches, you are going to jail.”

Hathaway related to new Wayne County Treasurer Richard Hathaway, who oversees Register of Deeds–should he recuse himself from sentencing?

By Diane Bukowski

December 17, 2015

Investigator Mary Jones previously was with Detroit Police Department for 25 years.

Investigator Mary Jones previously was with Detroit Police Department for 25 years. Photo from WDIV online video.

Detroit – WDIV Channel 4 aired a report Dec. 16 on the Wayne County Mortgage and Deed Fraud Task Force, showing its glitzy new SUV, driven by Investigator Mary Williams Jones, roaming Detroit streets to nab “deed thieves.” Prior to her five years on the task force, Jones retired from 25 years in the Detroit Police Department.

“Unfortunately we’ve had to investigate I think about 2500 cases and we’ve returned about 190 homes [over the last 10 years],” Wayne County Register of Deeds Bernard Youngblood says in the report.

Meanwhile, neither Wayne County, the City of Detroit, nor the State of Michigan have investigated, sued or jailed representatives of the banking industry, which has caused the loss of at least 237,000 homes in Detroit alone to illegal mortgage foreclosures based on predatory lending, a national practice which led to the 2008 global economic meltdown.

Community advocates Clifford and Mary Ann Stafford

Community advocates Clifford and Mary Ann Stafford

Instead, on Dec. 4, Investigator Jones, featured in the WDIV video, obtained the convictions of two long-time community anti-foreclosure activists, Clifford and Mary Ann Stafford, on charges that THEY defrauded Wells Fargo bank, which boasts it is “the largest bank in the world by market value.”

Mrs. Stafford was convicted of “False Pretenses over $20,000” which carries a maximum sentence of 15 years, and both Staffords were convicted of “Obstruction of Justice,” a misdemeanor.

The Staffords’ attorneys contended at trial that neither of them was involved in transacting a $395,000 mortgage with Wells Fargo for a home in Belleville, in 2007 during the height of the predatory lending frenzy which led to the 2008 global economic collapse. Wayne County Circuit Court Judge Michael Hathaway, however, told the jury they could convict the Staffords of “aiding and abetting” other uncharged parties, although those terms are not in their charges.

The Staffords face sentencing Jan. 13, 2016. They are asking all those they have helped through the years, and all who oppose illegal foreclosures, water shut-offs, and other crimes against the people, to support them and to attend.

Watch out--this car may be coming for YOU, not the global banks which have destroyed Detroit.

Watch out–this car may be coming for YOU, not the global banks which have destroyed Detroit.

“I am 66 years old, and the only person I answer to is the person that created me,” Mrs. Stafford said. “Our creator is going to make them all pay. Somebody has got to step up to the line. Put me in jail. I know what I’m going to do next.”

Wells Fargo has itself settled or been convicted in numerous lawsuits filed by the U.S., state attorney generals, local governments, and others for crimes including altering documents, defrauding the FHA, racial discrimination, inflated insurance to pay for kickbacks, loan modification denials, mortgage origination fraud, predatory lending practices, selling properties they did not own, robosigning, securities fraud, and laundering money for drug traffickers. (See http://www.vaughns-1-pagers.com/economics/wells-fargo-lawsuit-summary.htm  and  https://www.youtube.com/watch?v=1djLccQUbZ8 (Democracy NOW! report on Wells Fargo manual on how to produce fraudulent documents.)

Butch Hollowell, at the time the general counsel for the Detroit NAACP, said Wells Fargo has “done more foreclosures in Detroit and the state of Michigan than any other firm,” and is “Detroit’s number one property tax scofflaw.”

Judge Michael Hathaway

Wayne Co. Circuit Court Judge Michael Hathaway

Wayne Co. Treasurer Richard Hathaway

Wayne Co. Treasurer Richard Hathaway

Judge Hathaway likely should recuse himself from the rest of the trial including sentencing, since his relative Richard Hathaway was appointed Wayne County Treasurer Dec. 11. The Treasurer oversees the Register of Deeds, whose Task Force targeted the Staffords.

Richard Hathaway previously served as Chief Assistant Prosecuting Attorney under Wayne County Prosecutor Kym Worthy, who nominated him for Treasurer.

Hathaway clearly steered the jury toward the Staffords’ convictions through his jury instructions, which lumped them in with uncharged parties including Wells Fargo, Fannie Mae, mortgage brokers, and title companies who perpetrated a scheme related to the sale of a house at 13236 Nautica in Belleville, MI. The defense contended the Staffords were unwitting dupes of these entities.

“The evidence is clear that there are a number of wrongdoers here,” Hathaway said. “There could have been others guilty of deliberate wrongdoing.” He instructed the jury that it could decide whether the defendants “aided and abetted” the uncharged parties as part of the original charges against them.

Atty. Steve Lockhart

Atty. Steve Lockhart

Atty. Patrick McQueeney

The Staffords’ attorneys Patrick McQueeney and Steve Lockhart objected in part to the instructions after the jury decision.

During jury selection, Wayne Co. Assistant Prosecutor Jennifer Douglas weeded out homeowners who would have been familiar with mortgage practices.

Hathaway also severely berated an older Black woman juror for showing up at 9:15 am on the third day of the trial, gave her no chance to explain, then removed her, further changing the composition of the jury and possibly intimidating other jurors. Jurors had been coming in at 10 a.m. every other day in the trial.

Hathaway told the juror she should have been there for the testimony of Attorney Antonio Tuddles at 9 a.m., which Hathaway had rescheduled from 3:45 pm the day before.

Attorney Antonio Tuddles

Tuddles, scheduled to testify about a quiet title lawsuit he argued for the Staffords, showed up at the scheduled time of 3:45 pm the previous day.  Hathaway conducted an ex parte  discussion at the bench with him for 10 minutes, then rescheduled his appearance for the following day at 9 a.m.

It is not known what transpired between Judge Hathaway and Tuddles during their conversation. But the next day, Tuddles testified only briefly that he would not have pursued a “frivolous” lawsuit. He did not testify to more extensive events he put on the record in a case evaluation filed in Dec. 2010. His testimony on those events may have influenced the jury in the other direction. http://voiceofdetroit.net/wp-content/uploads/Case-evaluation-4.pdf.

The Staffords, who have four children, lived for 25 years on Gilchrist on Detroit’s northwest side, where Mr. Stafford was president of the neighborhood block club. The Wyldons were their neighbors.

They run a low-profile company called Private Consumer Consulting Services, LLC. Mrs. Stafford and her friend Anita Brown began the company as a DBA called PCCS/Consumer Advising during the 2007-08 economic crash. Mr. Stafford and witness Jammi Muhammad, both retirees from Ford Motor Company and U.S. military veterans, testified that PCCS, LLC was founded in February, 2008, to assist and educate  people facing the thousands of foreclosures that devastated metro Detroit before, during and after the crash.

Global economic crash of 2008 caused by predatory lending practices of global banks, mortgage companies.

Global economic crash of 2008 caused by predatory lending practices of global banks, mortgage companies.

“As veterans, we wanted to give back to the community,” Muhammad said.

To raise capital for the organization’s functions, it bought and sold various properties. Its members hoped to make some profit by selling them after renovation or after equity accrued.

Mr. Stafford testified that the group began as Freedom Trust, an informal organization that met at the Staffords’ home. He said it included people from all walks of life, including community members, realtors, mortgage brokers, and people in the skilled trades. He said a committee was formed to set skilled trades training for Detroit’s youth, so that they could be employed, and participate in renovation of the houses that would be purchased

Uncharged parties in Nautica ripoff: Wells Fargo, Fannie Mae, Valerie and Kevin Kauth, Avis Washington, Glen P. Boggess, Jr.

Uncharged parties in Nautica ripoff: Wells Fargo, Fannie Mae, Valerie and Kevin Kauth, Avis Washington, Glen P. Boggess, Jr.

The Staffords’ trial produced abundant testimony alleging criminal wrongdoing against uncharged institutions and individuals.

These included Wells Fargo for loaning the inflated amount of $395,000 to Trenise Wyldon without a valid title, title and mortgage insurance, and other closing requirements during the height of the predatory lending bubble, according to defense expert Richard Woonton. Donny and Joann Carlton had sold the house to PCCS for $312,500.

Wells-Fargo-Forging-EvidenceWells Fargo foreclosed on the property, receiving the amount of the entire mortgage plus interest from the Federal Deposit Insurance Corporation (FDIC). Fannie Mae (the Federal National Mortgage Association) later gained ownership of the property after a Sheriff’s Auction. According to Tuddles’ case evaluation, the Sheriff’s Deed was improper because it “. . . fraudulently misrepresents that Ralph Leggat is the ‘deputy sheriff’. The deed is improper because Ralph Leggat is neither the sheriff, under-sheriff, nor the deputy.” Click on http://voiceofdetroit.net/wp-content/uploads/NauticaSheriffsDeed.pdf,

Fannie Mae later also foreclosed, compensating Trenise Wyldon, the alleged owner listed on the allegedly invalid title, for $2,000. They sold the property on July 18, 2013 for $273,000.

Other uncharged parties include the short-lived Reliant Title company (founded in March, 2006 and dissolved in April, 2009). Brokerage NOVA 2000 with its DBA Loan Origination Concepts (LOC) illegally worked with Reliant Title, even having employees in common, to finagle the deal, according to testimony at the trial.

FannieMayhemKevin Kauth was President of Reliant Title, and Valerie Kauth signed, endorsed and notarized documents in the Nautica deal, including the deed allegedly signed by Mrs. Stafford.  She even endorsed a check made out to PCCS, which she had no membership in, according to a prosecution exhibit.

Avis Washington, according to her testimony, was guilty of a serious conflict of interest during the transaction.

She worked for both Reliant Title and brokerage NOVA 2000/LOC. Glen P. Boggess, Jr. was president of NOVA 2000/LOC. It was incorporated in August, 2004 and is noted in state records with an “automatic withdrawal” in July, 2011.

Washington, a key witness for the prosecution, repeatedly said she could not recall events as long as eight years ago, but said she DID recall the Staffords’ presence at an alleged Dec. 5, 2007 closing on the Nautica house. Both the Staffords repeatedly denied that allegation earlier;  their attorneys called it “a phantom closing.”  Washington said she  could not remember where the closing took place, or everyone present, only that it was around a “conference table.”

Disputed property: 13236 Nautica, Belleville, MI. Witness Jammi Muhammad testified that he and Clifford Stafford discovered the fraud perpetrated on them when he went by the house and saw another real estate agent with a couple getting ready to sell it.

Disputed property: 13236 Nautica, Belleville, MI. Witness Jammi Muhammad testified that he and Clifford Stafford discovered the fraud perpetrated on them when he went by the house and saw another real estate agent with a couple getting ready to sell it.

As an employee of  Reliant Title and NOVA 2000, she said she did not work out of an office, conducting her work from her home, primarily over the phone. She said she could not remember the names of any co-workers.

Mr. Stafford said during his testimony that it was Avis Washington who took him and others to see the Nautica house, along with other properties.

They included a house on Country Ridge in Farmington Hills, which he said was purchased by Emmett and Trenise Wyldon.  He said Washington and Boggess used to attend some of the early PCCS open meetings, but were not members.

Wayne County Assistant Prosecutor Jennifer Douglas said in her opening statement that “the Staffords sold a house at 13236 Nautica [in Belleville, MI] before they owned it, then lied about it.”

Contradictorily, her first exhibit was a Warranty Deed for that property from Donny and Joann Carlton to PCCS dated Dec. 5, 2007, for the amount of $312,500. It was notarized in Oklahoma and processed by Title Partners, Inc. Attached to it was a record of sale and an owner’s affidavit. (Click on  http://voiceofdetroit.net/wpcontent/uploads/CarltonsWDtoPCCS.pdf.)

Central to the prosecution’s case was its second exhibit, a signed Warranty Deed ALSO dated Dec. 5, 2007, conveying the house from Mary Ann Stafford, d/b/a PCCS, to Trenise Wyldon, a former neighbor of the Staffords, for the inflated amount of $395,000.

Deed Staffords contend was forged.

Deed Staffords contend was forged.

Tuddles said in his case evaluation, “When comparing the handwriting on the fraudulent document to Mary A. Stafford’s original handwriting, you can see that someone tried to duplicate her handwriting.” He attached copies of her driver’s license and Michigan State ID.

Mary Ann Stafford has strongly denied in various statements that it was her signature on the deed.

Thomas Riley of MSP forensics lab.

Thomas Riley of MSP forensics lab.

Tuddles  also noted that the deed was notarized by Valerie Kauth, wife of Kevin Kauth, the owner of Reliant Title Company which handled the alleged transaction. He said “a notary public may not perform any notarial act for any person if that person is the notary public’s spouse, parent, sibling, children, spouse’s parent, spouse’s sibling, spouse’s child or child’s spouse.”

Douglas relied heavily on the testimony of Investigator Jones and Thomas Riley, a questioned document examiner for the Michigan State Police forensics lab.

Riley testified that he had instructed Jones to obtain 30 “exemplars” of Mrs. Stafford’s signature on documents SIMILAR to the warranty deed. He said Jones sent him a package containing a COPY of the warranty deed, along with 30 exemplars. Since the questioned document was a copy, he said he gave a “qualified” decision that no differences were noted in all the signatures.

Both Riley’s and Jones’ practices were tainted, likely deliberately, according to an article title “Collecting Exemplars” by Certified Forensics Document Examiner Katherine M. Koppenhaver, founder of the International Association of Forensics Document Examiners.

Jones testified that she took the original Warranty Deed, and whited out the signature, apparently destroying a critical piece of evidence. She said she Xeroxed 30 copies of it, and then had Mrs. Stafford sign the 30 copies, in direct opposition to Riley’s instructions to use SIMILAR documents.

It was unclear from her testimony whether the warranty deed which Douglas showed on the screen with Mrs. Stafford’s signature, purporting to be a copy of the original, was actually one of the 30 copies of the same deed that Mrs. Stafford signed as exemplars. The document had a line down the middle, like that produced on a copy when a Xerox machine is running out of ink.

“Jones told me, ‘if your handwriting matches the signature, you are going to jail,’” Mrs. Stafford told VOD. “I told her I have nothing to hide.”

At one point, Prosecutor Douglas put the copy of the alleged deed on the screen, along with a copy of a statement Mrs. Stafford signed in Jones’ office. She improperly asked the jury, as if they were forensics experts, “Aren’t those the same signatures?”

Katherine Koppenhaver

Katherine Koppenhaver

In “Collecting Exemplars,” Koppenhaver, who herself has handled more than 3000 questioned document cases since 1983, writes, “Informal handwriting exemplars are more reliable for comparison purposes than request writing.”

Informal samples are those which already exist, taken from documents earlier executed in the regular course of business, while request writing is that which the signer is asked to execute by the examiner. Koppenhaver says it is preferable to have the examiner (i.e. Riley) carry out the collection of request exemplars. Instead, Jones, not trained in document examination, collected the request exemplars.

Regarding request writing, Koppenhaver says, “Courts consider request writing taken after the fact as self-serving and may not allow it. Some writers will deliberately disguise their request handwriting. The person taking the request writing needs to take this into consideration.”

She adds, “Ideally, original writing should be available for the scrutiny of the document examiner. Original writing is always better than a photocopy or a facsimile. If it is impossible to obtain original documents, a first generation photocopy should be supplied. The original documents should be requested whenever a photocopy is supplied by the adverse party.”

Rev. Edward Pinkney with wife Dorothy at his left, during first rally against the emergency manager act, PA 4. It later became PA 436.

Rev. Edward Pinkney with wife Dorothy at his left, during first rally against Michigan Gov. Rick Snyder’s  emergency manager act, PA 4. It later became PA 436.

Riley never testified that he requested the original document. Earlier, in the case of Rev. Edward Pinkney, now jailed on allegations of falsifying dates on election recall petitions, the MSP forensics document examiner testified he also examined copies.

Based on the allegedly fraudulent deed, Wyldon then procured a $395,000 mortgage from Wells Fargo Bank, also dated Dec. 5, 2007.

“This is ridiculous,” Cornell Squires of RICObusters, who observed the trial, said. “There is no way all those events could have taken place on the same day.”

Wyldon falsely claimed on her credit application that she had worked for PCCS for “2-6 years,” and was making $10,000 a year. The Staffords disputed Wyldon’s claim, saying PCCS as  a voluntary group never had employees, and specifically that it did NOT employ Wyldon or her husband Emmett Wyldon. They say Wyldon was unemployed.

Wyldon pled guilty to a charge of “False statement on a credit application” Jan. 13, 2014, based on a settlement offer that she would “cooperate with ongoing deed/mortgage fraud investigations and testify truthfully when subpoenaed to do so.” The offer recommended no jail time.

Judge James Chylinski

Judge James Chylinski

Without a hearing of record, Wayne County Circuit Court Judge James Chylinski signed off on a dismissal of the charge against Wyldon Aug. 20, 2014. Wyldon showed up for the preliminary exam of the Staffords, but never testified, and was not present during their trial.

The filing of the quiet title lawsuit, and statements the Staffords gave to Jones later, after they asked the Task Force to investigate mortgage fraud in the sale, were used as the prosecutor’s grounds for charging the Staffords with “obstruction of justice.”

They were given no warning when they went to the Task Force offices at 400 Monroe that they were actually walking into the lion’s den. Jones testified on cross exam that Mr. Stafford had come into the office prior to her interview for an intake session. She then typed up what appeared to be leading questions for her interviews with both Staffords, and had them respond in handwriting. The Staffords were not warned they were being considered for prosecution, and had no attorneys present.

The Wyldons resided in the Nautica property for two years. It was then foreclosed by Wells Fargo and sold to Fannie Mae. Wells Fargo got its money back with interest from the FDIC, and Reliant Title, including representatives Glen Boggess, Ava Washington, and Valerie Kauth walked away with their fees. Without proper title investigation, Fannie bought the property and later sold it for $273,000.

Cliffprd Stafford said PCCS made "not one red cent" on Nautica deal.

Clifford Stafford said PCCS made “not one red cent” on Nautica deal.

PCCS made “not one red cent” on the transaction, Mr. Stafford testified. In fact, he said PCCS had paid numerously monthly mortgage costs for the property while the Wyldons lived there, not knowing that Trenise Wyldon had fraudulently conveyed the property to herself alone.

Richard Woonton, called as an expert witness for the defense, testified that the $395,000 mortgage package for Trenise Wyldon and other documents were severely flawed. He said he was testifying pro bono, i.e. he had received no fees for his work on the case.

In a comment after the trial, he angrily called the whole transaction nothing but “money-laundering.”

Woonton said he is licensed as a mortgage loan officer for the State of Michigan and 38 other states. He said he began his career in 1982, clearing up bad loans, corruption and fraud, and authenticating various documents.

The defense produced a purchase agreement dated Sept. 13, 2007, signed by Avis Washington on behalf of Glen Boggess for the Nautica property. The amount cited was $322,500, not the amount of the mortgage obtained by Wyldon. Woonton said the signers are supposed to be the sellers and the buyers, not Avis Washington, who processed the purchase agreement.

Uniform residential loan application Hathaway asked him whether purchase agreement signers sometimes back off later, but Woonton testified the agreement was part of the entire Wells Fargo bank file.

He said Trenise Wyldon was the only signer of the uniform residential loan application to Wells Fargo. (See http://www.freddiemac.com/uniform/pdf/form65.pdf)

“There was only a five percent down payment, so there should have been a mortgage insurance certificate in the file,” Woonton said. “Anytime you don’t put 20 percent down to cover the lender in case of loss, you must have mortgage insurance.”

He said certificates for mortgage and title insurance were not included in  the Wells Fargo package, and that the HUD settlement agreement didn’t have an address where the closing took place. He said it also falsely identified PCCS as the sellers.

A little sloppy? Wells Fargo CEO John Stumpf.

A little sloppy? Wells Fargo CEO John Stumpf.

“It was the Carltons whose Bank of America loan that Wells Fargo paid off,” he testified. He added that after Wells Fargo supplied the money for the loan, Reliant Title issued a check to PCCS for $67,000. That check was however endorsed by Valerie Kauth, ending up in the title company’s escrow account.

He said Reliant Title then illegally issued a $23,143 check to Trenise Wyldon, money which she supplied as the down payment on the house, asserting that it was from her own funds. He said return of the original documentation of the mortgage must go to the company that owns it,  which was Wells Fargo. However, he testified that on the document in question, “Wells Fargo” is crossed out as the returnee, and fraudulently replaced by Reliant Title.

Judge Hathaway asked, “Isn’t it possible that Wells Fargo just got a little sloppy?”

Regarding “getting a little sloppy,” see http://philipstern.com/weblog/2015/04/14/sloppy-paperwork-derails-wells-fargo-foreclosure/  and http://nypost.com/2012/01/01/sloppy-seconds-feds-probe-million-in-double-billing-by-banks/.)

Related documents:

Full case evaluation by Attorney Antonio Tuddles:

http://voiceofdetroit.net/wp-content/uploads/Case-evaluation-2.pdf

Quiet Title lawsuit filed by Staffords:

http://voiceofdetroit.net/wp-content/uploads/Quiet-Title-lawsuit-et-al.pdf

Trenise Wyldon plea deal:

http://voiceofdetroit.net/wp-content/uploads/Wyldonpleadeal-2.pdf

Collecting Exemplars, by Valerie Koppenhaver:

http://www.forensicdocumentexaminers.com/excerpt.html

Related stories:

http://www.clickondetroit.com/news/team-hits-wayne-county-streets-to-prevent-deed-theft#

http://foreclosurenation.org/breaking-news/inside-the-foreclosure-factory-wells-fargo-is-working-overtime-and-it-appears-the-fraud-never-ends/

http://www.vaughns-1-pagers.com/economics/wells-fargo-lawsuit-summary.htm

http://voiceofdetroit.net/2012/08/26/naacp-wells-fargo-and-the-road-less-traveled/

http://voiceofdetroit.net/2011/11/23/banks-financing-drug-cartels-admitted-in-wells-fargo-deal/

http://voiceofdetroit.net/2013/08/14/swaps-probe-finds-banks-including-detroit-creditors-rigged-rate-at-expense-of-retirees/

http://voiceofdetroit.net/2015/04/24/u-s-sues-dan-gilberts-quicken-loans-over-mortgage-fraud-one-cause-of-detroit-blight/

http://voiceofdetroit.net/2014/08/21/bank-of-america-agrees-to-nearly-17b-mortgage-fraud-settlement-helped-destroy-detroit/

http://voiceofdetroit.net/2012/10/25/u-s-sues-bank-of-america-for-brazen-mortgage-fraud/

http://voiceofdetroit.net/2013/10/27/jpmorgan-said-to-reach-13-billion-u-s-settlement-on-mortgage-bond-sales/

http://voiceofdetroit.net/2013/02/06/usdoj-slams-standard-poors-with-5-billion-fraud-lawsuit/

http://voiceofdetroit.net/2011/08/16/anger-over-fannie-mae-foreclosures/

http://voiceofdetroit.net/2011/06/16/make-the-banks-pay-to-rebuild-detroit-and-u-s-2/

#CliffordStafford, #MaryStafford, #JudgeMichaelHathaway, #MaryJones, #forgery, #mortgagefraud, #bankfraud, #unjustconviction, #biasonthebench, #toobigtofail, #mortgagemeltdown, #WayneCoTreasurer, #WayneCoROD, #questioneddocument, #FreeRevPinkney, #FreetheStaffords, #Beatbackthebullies, #AdvocatesforBaxter


Print Friendly, PDF & Email

Share
This entry was posted in Uncategorized and tagged , , , , , , , , , , , , , , , , , . Bookmark the permalink.

11 Responses to WHO’S GUILTY OF DETROIT MORTGAGE FRAUD? NOT WELLS FARGO, BUT COMMUNITY ADVOCATES, SAYS COUNTY

  1. David Williams says:

    Big misrepresenttion in the article. The FDIC does not pay any financial instution (bank) for any losses on a mortgage or any consumer loan. The FDIC only comes into play when it covers the bank customer deposits in their (customer’s DDA or savings accounts). An error like this makes the entire article suspect. Reporter needs to get their facts straight.

  2. John Reed says:

    You see, here’s The Issue

    Mortgage Servicing Fraud occurs post loan origination when mortgage servicers use false statements and book-keeping entries, fabricated assignments, forged signatures and utter counterfeit intangible Notes to take a homeowner’s property and equity. This is accomplished by using one or more of the following tactics.
    The Swindler’s List:
    Falsely claiming to be the owner/holder in due course of the tangible Note;
    Paying Bonuses to workers who force homeowners into foreclosure;
    Request homeowners to submit and resubmit loan mod paperwork multiple times that pays the bank $1,500 each time.
    Falsely claiming legal standing by use of names such as Trustee, Assignee, Nominee, Beneficiary, etc.;
    Using fraud, false statements and evidence to invoke the jurisdiction of the court;
    Preying on the ignorance of the court and homeowner;
    Deceptively convincing borrowers to agree to unfair and abusive loan terms, or systematically violating those terms in ways that make it difficult for the borrower to defend against;
    Took out forced-placed insurance on property they did not own;
    Altering/modifying loan terms without the legal authority to do so;
    Falsely claiming Pooling & Servicing Agreements, industry standards, rules, guidelines or other industry-authored writings supersede the law;
    Failing to follow PSA, SEC and regulatory guidelines;
    Using fraudulent means to obtain AAA-ratings on “crappy loans”;
    Robo-Signing legal documents without review or the legal authority to do so;
    Entering on-time payments as late, to exact illegal and unauthorized fees;
    Manipulating account records;
    Feloniously claim REMIC tax-exempt status;
    Claim homestead-exemption status as a corporation;
    Falsely claimed tangible Notes were transferred to the Trusts;
    Participate in the active concealment of origination fraud;
    Converted paper Notes to digital images with no law to support it;
    Destroyed original Notes to, inter-alia, cover-up origination fraud;
    Backdating legal documents;
    Filing forged/faked documents in courts and public land records;
    Charging force-placed insurance when the homeowner already has full coverage;
    Falsely report a default to the credit bureaus when it is the servicer who altered records to manufacture the default;
    Refusing payments to guarantee default;
    Paying property taxes late, then charging the late penalties to the borrower;
    Paying taxes and insurance on the wrong property;
    Adding thousands of dollars in unearned or unauthorized legal fees;
    Diverting mortgage payments to pay lawyers to foreclose;
    Ignoring customer complaints and “qualified written requests”;
    Arrogantly violate numerous laws and regulations;
    Coercing the homeowner into signing a forbearance agreement to strip away their legal rights;
    Falsifying records and documents;
    Committing fraud upon the courts by stating they are the Holder and Owner of the Note – when in fact – they do not own or hold the “original” tangible Note;
    Intentionally cause delays to run up your legal expenses;
    Creating fictitious documents (Assignments, Affidavits, Power of Attorney, etc.);
    Creating Lost Note Affidavits to conceal that they never had the original Note or file;
    Triggering the terms of a null and void Deed of Trust/Mortgage;
    Apply to the trust for reimbursement after deducting the fees from the borrowers p&i payments, (Known as double-dipping);
    Rounding up ARM rates when on a downward trend;
    Not adhering to the terms of the loan documents;
    Creating additional false deficiencies through a variety of questionable practices;
    Adding misc. fees to purposely create a deficiency with the borrower’s next payment;
    Not applying payments to principal and interest;
    Committing perjury through misrepresentations;
    Withholding or redacting discovery evidence;
    Tampering with court transcripts and removing evidence from the record;
    Conjuring up events that never happened while refusing to provide documentation to support their fallacies;
    Refusing to cooperate with attempts to refinance and stop the illegal foreclosure;
    Using abuse of litigation, appeals and malicious prosecution to litigate forever;
    Payoffs to the consumer’s attorney, law enforcement officials, judges, court personnel and government officials;
    Threats & intimidation;
    Electronic surveillance;
    Wire / Mail Fraud;
    Conspiracy;
    Misprision of Felony – failure to report the crime(s)
    Fraud in the inducement;
    Unjust Enrichment;
    Embezzlement;
    Racketeering – RICO;
    Extortion;
    Abuse of Process;
    Violation of ethics;
    Grand Theft;
    Tax Fraud (REMIC);
    Public Corruption;
    Notary Fraud;
    Evidence Tampering;
    Theft of Government Services;
    Perjury;
    Felonious Influence of Public Officials;
    Money Laundering;
    Insurance Fraud;
    Securities Fraud;
    Statute of Frauds
    Constitutional and Civil Right violations;
    and many others.
    “. . . it does not require a majority to prevail, but rather an irate tireless minority keen to set brush fires in people’s minds . . .” Samuel Adams

  3. John Reed says:

    Only a List of Wells cases… all the other Banks are on this page too along with all the active links to the cases/articles/exhibits.

    This page available at http://msfraud.org/LAW/Lounge/Lounge.html

    Wells Fargo Foreclosure Attorney Procedure Manual (2/12)

    Szymoniak v. The Banks et al (1/14)

    In Re: Franklin (Banks trading data – not Notes)(1/15)

    Goebel v. Wells Fargo (Court waives Supersedeas Bond)(1/15)

    Thompson v. Wells Fargo (BK-Payments Reimbursed)(10/14)

    Wells Fargo Wins, Homeowners, AG, Courts Lose (2/14)

    Lindsey v. Wells Fargo Bank (Assigned mortgage only)(2/13)

    Wells Fargo v. Spivak (Wells Noticed before MERS assigned)(10/14)

    Wells Fargo v. Niamke (Summary Judgment Reversed)(10/14)
    Good v. Wells Fargo (Set aside: Wells must prove Note control)(9/14)

    Fonteno v. Wells Fargo (Cause to cancel Deed)(8-14)

    Harlin v. Wells Fargo (Wells Fargo slammed)(6-14)

    Samaroo v. Wells Fargo (Notice Fail)(3/14)

    WELLS FARGO v. HEATH (Standing) (2005)

    Acuff v. Wells Fargo (Pro se reversed/Standing)(5/14)v
    Wells Fargo v. Erobobo (Amicus) (REMIC Tax Form)(3/14)
    Bristol v. Wells Fargo (MERS assigned Mortgage Only)(4-14)
    RIJHWANI,v. Wells Fargo (Dual-Tracking)(3-14)
    Wells Fargo v. Ostiguy (Affidavit fail-loan was sold)(2/14)
    RUBY VALLEY v. WELLS FARGO (Dissent: MERS not beneficiary)(1/14)
    BECKER v. WELLS FARGO (a stunning and swift defeat/loan mod/Dual Track)(2-14)
    SRMOF Trust v. Lewis (Dissent clarifies Schwartzwald)(12/13)
    Conklin v. Wells Fargo (Debt Collection Fail)(12/13)
    Wells Fargo v. Burek (non holder with rights?)(11/13)
    SUBRAMANI v. WELLS FARGO, FIDELITY TITLE (MTD Denied in Parts)(11/13)
    Lincoln v. Wells (Due Process)(9/13)
    Dollens v. Wells Fargo ($3 Million-Outrageous conduct)(8/13)
    IN RE: WACHOVIA CORP. “PICK-A-PAYMENT” MORTGAGE MARKETING AND SALES PRACTICES LITIGATION (Wells Fargo SANCTIONED)(9-13)
    Henning v. Wachovia, Wells Fargo (Corp. Resolution)(9-13)
    Focht v. Wells Fargo (reversed on standing)(9/13)
    Focht v. Wells Fargo (Motion for Rehearing)(10-13)
    Rockbridge v. Wells Fargo (Instructional-20 causes of action)(9-13)
    Wells Fargo Bank v. Harrop (Dismissed with prejudice)(9/13)
    USA v. Wells Fargo (FHFA securities fail)(9-13)
    CORDELLO v. WELLS FARGO (Contractually required to offer permanent loan mod when homeowner complied. Heads I Win-Tails You Lose)(8/13)
    Becker v. Wells Fargo (Order to Compel Discovery&Sanctions)(8/13)
    Wachovia v. Coffey (unlawful practice of law)(7/13)
    SCHLEGEL v. WELLS FARGO (FDCPA/ECOA)(7/13)
    Wells Fargo v. Horn (Doc FAIL, REV. & Dismissed)(6/10)
    Kurian v. Wells (Notice Fail)(6/13)
    Young v. Wells Fargo (Revived Faulty Foreclosure)(5/13)
    Wells Fargo v. Ruggleiro (Loan mod scam)(5/13)
    Wells Fargo v. Gordon (Signature FAIL)(5/13)
    Gordon: Certification from COA (8/12)
    Wolf v. Wells Fargo (Order Granting Class Cert.)(5/13)
    Wells Fargo v. McKenna (Mtn to Reconsider*)(1/11)
    Wells Fargo v. Ford (reversed-lack of standing)(1/11)
    Wells Fargo v. Erobobo (noncompliance with the assignment provisions of a Pooling and Servicing Agreement voids the assignment of a note and mortgage (4/13).
    Cabanilla v. Wells Fargo (Emotional Distress)(4/13)
    United States v. Wells Fargo (Discrimination Complaint)(7/12)
    Proposed Consent Order
    Kurian v Wells Fargo (Reversed/Lack of Service)(4/13)

    Jones v. Wells Fargo (Punative damages)(3/13)

    LINDSEY v. WELLS FARGO (Assigned Mortgage only)(2-13)

    Wells Fargo Bank, N.A. v. Schultz (Bad Faith)(2/13)

    Wells Fargo v. Gordon (missing signature)(2/13)

    Becker v. Wells Fargo (Servicer Negligence) (1-13)

    Wells Fargo motion re magical assignment of nonexistent mortgage**(6/12)

    In RE: Wachovia Corp. “Pick-A-Payment” Mortgage
    Marketing and Sales Practices Litigation (5/11)
    *** Gray v. Wells, MERS, Harmon (FC ruled NULL & VOID)(11/12)
    Patterson v. Wells Fargo (Relief from stay Denied-lost Note)(11/12)
    Wells Fargo v. Burrows (Reversed)(12-12)
    NFHA Discrimination Complaint against Wells Fargo
    Pro Se Homeowner Wins Reversal against Wells (6/12)
    In RE: Wachovia Corp. “Pick-A-Payment” Mortgage
    Marketing and Sales Practices Litigation (5/11)
    Fagan v. Wells Fargo* (V.\Complaint:Quiet Title, Fraud)(7/12)
    Fagan v. Wells Request for Documents
    Wells v. Tyson ($150,000.00 for trespass) (2010)
    Declaration of Elizabeth Jacobson* (Wells Fargo)(2010)
    Rousseau v. Wells Fargo Complaint (Suicide*)(1/12)
    Glover v. Wells Fargo, et al (PRICED OUT OF COURT)(5/12)
    Drouin v. AMHS, Wells, Sand Canyon***(MTD Denied)(5/12)
    Jones v. Wells Fargo ($3MM punitive+att.fees)(4/12)
    Jones v. Wells Fargo (Punative damages)(3/13)
    Wells Fargo v. Stewart (POC rife with errors)(2/11)
    Sutcliffe v. Wells Fargo (Class action Order)(5/12)
    Brannan v. Wells Fargo (Flawed docs since 1996*)(Order) (11/11)
    Wells Fargo v. EMC Mortgage (compel documents)
    Wells Fargo v. Paul (Sale & judgment reversed, no notice, neglect)(9/11)
    Rigby v. Wells Fargo (Standing-reversed)(4/12)
    Wigod v. Wells Fargo*** (ruling is likely to send shivers
    through the banking industry. HAMP)(3/12)
    Williams v. Wells Fargo (Grant motion to certify class
    action)(2/12)
    Bias v. Wells, JPM (Class Action RICO*)(2/12)

    Wells Fargo v. McNee (Lack of standing despite default)(11/11)
    Wells Fargo v McNee (SJ denied-standing)(11/11)

    Mass. AG v. Banks, MERS (12/11)
    Class action against Wells Fargo and law firm(10/11)
    Wells Fargo v. Michelotti(Wells does not have title)(9/11)
    Wells Fargo (Sale & judgment reversed, no notice, neglect)(9/11)
    Wells’ Buyer Beware Seller’s Addendum
    Wells, Orix v. Wachovia(1998 destruction of documents***)(2006)
    Class Action against Wells Fargo, credit agencies(8/11)
    Demucha v. Wells Fargo (7/11)(Reversed)

    Leyva v. National Default, America’s Servicing, Wells Fargo (You must prove chain of title)(7/11)
    Leyva vs. NDSC – Arguments Before the Nev. Sup.Ct (Part I)
    Leyva vs. NDSC Oral Argument (Part II)

    Veal v. AHMS, Wells Fargo, ***
    (BK Reversed, Vacated, Remanded)(6/11)
    Hooker v. Northwest, BA, MERS, Wells Fargo (worthless notes***)(5/11)

    Wells Fargo barred by Res judicata-collateral estoppel) (5/11)

    Wells Fargo v. Ford (reversed-lack of standing (1/11)
    Wells Fargo v. EMC Mortgage
    Ohio uses the holding in Wells v. Jordan (10/10)
    Wells Fargo Robo (China)
    Ibanez case compendium*
    Wells Fargo Reply brief (Ibanez-Supreme Court)

    In Re: Williams: (Wells Fargo – Denied BK Stay)(10/10)

    Wells Fargo Closing and Delivery Procedures
    Wells Fargo v Hughes (modification, dismissed)(1/10)
    Wells Fargo v. Lindquist (Wells pays Trustee $190K)(1/10)
    Wells v. Chesney (Note non-negotiable)(2010)
    Wells’Buyer Beware Seller’s Addendum
    Wells Fargo Robosignor China Brown

    In Re: Mims v. Wells Fargo (Wells Fargo – Denied BK Stay)(10/10)

    Judge Rejects Wells Fargo Foreclosure Documents Again
    Wells Fargo Deposition (7/09)
    Wells Fargo v. Reyes* (Dismissed w/prejudice)2008)
    The Wells Fargo Watch
    NAACP v. Wells Fargo 3/09
    Wells, Litton Loan v. Farmer (dismissed with prejudice)(2008)
    Register for class-action
    Docs of Wells Fargo scam
    SFE vs. Wells Fargo/ORIX
    Wells withdraws (docket sheet)
    Federal Court Rulings Against
    Wells Fargo
    Abercrombie (FCRA)
    California Court Orders Wells Fargo to Pay Over $1 Million for
    False Credit Reporting
    Favorable Ruling For Debtors In
    Jones v. Wells Fargo Bank Upheld
    Jones (Wells specification of errors)
    Florida Motion To Vacate Void Judgment
    Jordan opinion
    Wells v. Jordan (amicus brief)
    Wells Fargo Bank Sues Itself
    Wells Fargo v. Byrd
    Wells Fargo v. LaSalle (mortgage fraud)(2008)
    Wells held liable for trespassing (2010)
    Wells Fargo v. Chesney (dismissal granted)
    WellsFargo v. Cirigliano (SJ Denied)(2010)

  4. KEITH HINES L.U. 58 Retired says:

    VERY WELL COMPOSED AND WRITTEN ***DIANE*** !! THE EVIDENCE IS IN FAVOR OF THE PUBLIC, NOT THE BANK ????
    THE QUESTION NOW IS “DO WE HAVE A DEMOCRACY IN DETROIT” ????

  5. Bob says:

    You borrow money you can’t pay back and should have known you couldn’t pay back when you borrowed it – that is the banks fault??? BS!

    • Apparently you didn’t read the article clearly. The Staffords borrowed NO MONEY for the Nautica property. Trenise Wyldon did. As far as your argument blaming homeowners who ended up not affording predatory loans, it was the banks which foisted those predatory loans on families across the country, leading to the global economic meltdown of 2008. This particular Wells Fargo loan was part of the whole predatory lending frenzy. Banks across the globe have been sued by the U.S. Dept. of Justice and numerous other entities for these practices, and some bankers have gone to jail. Then the U.S. government rewarded the same banks with trillions of OUR tax dollars because they were “TOO BIG TO FAIL.” Well, they are not TOO BIG TO JAIL. Exactly where have YOU been for the last decade?

    • Forgot to mention, Bob, that the banks profit handsomely from foreclosing, as the article points out Wells Fargo did. They are insured and get the whole amount of the mortgage back, plus interest, so it is more profitable to them to foreclose then to adjust payments to affordable levels, as the federal TARP act required them to do. Only 6 percent of homeowners ever got such adjustments under the TARP act.

    • John Reed says:

      What a wonderfully simplistic world you must aspire to live in. Ever hear of a con game? Spend some time, study the issues… this is a con game run by the brightest of the bright… but they didn’t hardly cover their assses at all.

      Just one little tidbit of info for ya… it being Christmas and all.. in 2004, 11,000 Professionally Licensed Property Appraisers gave the FBI a petition, which they had all signed, stating that each had been contacted by the Big Banks and told if they did not over appraise properties from then on… they would get no more work. Look it up. Google it.

      hmmmm…. 2004…. that’s when the sub-prime market was just starting to flourish!

      Think Grasshopper…. just who DID start the housing boom?

      BTW… the FBI… pawns of the Banks that they are… did nothing.

Leave a Reply

Your email address will not be published. Required fields are marked *