2004…Re-financed with Commerce Bank, 30 yr fixed rate 232,000
MERS named as nominee for Commerce Bank

At closing Commerce immediately indorsed NOTE over to Washington Mutual, pay to the order of Washington Mutual, stamped and signed by Commerce Bank.

County records only show recording of the Commerce transaction , but do not show any chain of title recording going to Washington Mutual.

All mortgage payments were made to Washington Mutual , never Commerce.
2004-2007… payments made to washington Mutual

2007 … Wells Fargo becomes “Servicer” , collects monthly payments.
(Washington Mutual had gotten into trouble during this period of time)

2007 … Default.. Foreclosure complaint filed 09/25/07 by Wells Fargo

MERS assignment of mortgage assigns from Commerce to Wells Fargo 10/08/07
(no standing since assignment was made after complaint was filed)

Also, no mention of Washington Mutual in chain of title.

Also, robo-signer Topaka Love (LPS) signs as Commerce Bank employee.

And the notary signature is a forgery when compared to others on the web.
And the notary is a known robo-signer too, Matthew Allan Banaszewski.

The final judgement was already in, and the sheriffs sale was scheduled because had never responded to the foreclosure complaint, it was an un-contested foreclosure.

But I made an emergency motion with the court days before the sheriff sale, a motion to vacate the judgement due to fraud, lack of standing, etc.

Wells Fargo fought me hard and eventually substituted the lawyers for better lawyers..the foreclosure mill lawyers were not doing well against me.

The judge mocked and ridiculed me at the first hearing , but as time went by and the media started reporting on fraud and robo-signers, the judge then had to let me continue my argument …

Wells Fargo showed in their exhibits the Note , “a true and accurate copy of the note that was in their possession” according to the certification of the lawfirm. But the note was just a copy of the original note that was probably downloaded and printed off of a computer file , it showed only the original stamped indorsed note from Commerce to Washington Mutual, Pay to the Order of Washington Mutual .. nothing ever indicating that it had ever been indoresed over to Wells Fargo. and no recording of it ever having been transferred or assigned from Washington Mutual to Wells Fargo .

Only the fraudalent fabricated assignment of mortgage by MERS, assigning from Commerce to Wells Fargo … leaving Washington Mutual out of the chain.

As I fought for the judge to understand my argument , the new high powered legal team came into the case, Harvard grads , the same attorney who wrote the legal brief for Wells Fargo asking the state of New Jersey “not to suspend the banks foreclosures due to robo-signers and fraudulant documents, this same lawyer wrote that they “had identified the problems and had corrected them and fixed them all … yet here she was now trying to push thru another fraud on the court, even after writing that brief .. its deplorable and outright criminal.

The judge ordered a plenary hearing where he wanted Wells Fargo to bring in the people who had signed their names on my documents and put them under oath on his witness stand … two days before that hearing Wells Fargo attorney submitted an Order for the judge to sign , saying that although they did not agree with the defendants allegations, they would not object to the judge signing an order dismissing the Complaint, vacating the sheriffs sale, etc, etc.

Now … since there was never any signs of a trust or trustee in my loan, does that mean my note was never securitized?

Why does Wells Fargo always say “Fannie Mae is the investor” ?

What did Washington Mutual do with our note when they had it ?

Eventually Wells Fargo came in with a note endorsed by Washington Mutual , but it looked like a downloaded note from a computer, endorsed in blank with a pay to the order … left blank and endorsed by washington Mutual.

Is there a chance my note was securitized by washington Mutual all those years and they never showed the info on any paperwork ?

When Wells Fargo took over as servicer, all they had access to was old computer documents of the scanned notes from years earlier .. this is what they download and print out and take to court, it is not the real authentic note , not the wet ink note with impressions on the back of the paper.

Since no trustee or security trust was ever mentioned in my case, am i wasting my money in ordering a securitized audit?

I won that case, but wells fargo is sitting there and we still have no clear title to our house.

How could you help us finish off the battle with the fraud pretender lender?

Thank you, Dwight

All The Best,

Kyle

Kyle

All the best,

Kyle

All the best, Kyle