This is the current situation I have: I have OOMC/AHMSI as my lender and Wells Fargo the trustee, and a judicial hearing on the matter March 30th. I've been doing research this afternoon to find ways to defend my home and found that in quite a few cases, the lender could not produce the original blue ink note, in which case the judge threw out the plaintiff's case.
This is what I'm going to do.. but when would be the best time to send that demand notice? My understanding is that the lender has thirty days to produce it. I was thinking maybe waiting until the 15th of March to do it and therefore force them to produce it with only two weeks' notice or something to that effect prior to the court date. In other words, forcing them to scramble. What do you people think?
Also, how do I find out who my investor is? I understand that in a lot of cases lenders sell loans in mortgage pools and that the party who wrote the loan is no longer the party who is alleging ownership. Those acquiring the loans don't have legal standing to bring action for foreclosure in the first place, if certain formal legal requirements were not followed. As a result, courts are dismissing those foreclosure actions which means there is no party who can actually foreclose on the home.
Sooooo, how do I find out if my loan got shuffled around in this cesspool? And last but not least, just what the heck is Wells Fargo's role in all this as trustee??
Thanks for your help and God bless!