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  1. K

    I Could Use Some Input From Those In The Know.....strange Situation

    OK, all, need your thoughts on this one....something just seems off about this. Caliber has refused to provide any sort of response anymore to my disputes. They claim over the phone that they have already sent me everything I have asked for and emails/written disputes now go unanswered. But...
  2. K

    All Of You Dealing With Cal-western Reconveyance, You Need To See This....

    http://cloudedtitlesblog.com/2015/06/24/if-cal-western-reconveyance-llc-is-closed-up-then-whos-doing-wells-fargos-foreclosures/ It would appear that Cal-Western Reconveyance has shut its doors. If any of you are dealing with them presently, you need to check into this. Link contains photos...
  3. K

    What Do You Guys Think, Would This Be A Smart Move?

    So by now, most of you know about my fight with Caliber Home Loans. It's been more than a year since this all began, and I am further away from being able to understand what is actually happening now than I was when they first entered the picture. I've sent them numerous QWRs, jumped through...
  4. K

    Is It Possible To Get A Copy Of A Servicer's Certificate Of Incumbency?

    as the title says, I have been told that the signor on my docs is listed on the company's certificate of incumbency with the authority to sign as a vice president, even though he is nowhere near a VP in his actual job. how can that be legal, and how can I verify this?
  5. K

    Ok, For Those Who Know...is This A Legit Transfer?

    I've been researching assignments of mortgage for LSF8 Trust and Caliber....and I'm coming across some strange looking transfers. Is there anyone here who can tell me this....does it make sense for a trust, in name, to assign a mortgate/DOT to the trustee for that trust? I'm finding a lot of...
  6. K

    Requesting Some Help With Securitization Terminology...

    As the title says, it would help us rookies out greatly if we were able to learn the definitions of the terms used. Example, what is the difference between a trust's closing date and the cut off date? Also, what is a master trust as compared to other trusts, and what rules are different...
  7. K

    Need Assistance Understanding "affidavit Of Lost Note"....

    I received an affidavit from Caliber that supposedly is intended to take the place of the note. I requested the note and other documents because I have reason to believe that Caliber does not actually have the servicing right on this account. Here is what the affidavit says: The affiant...
  8. K

    Has Anyone Here Used The Concept Of The Implied Covenant Of Good Faith And Fair Dealing?

    Apparently, I am now forced to consider more involved options regarding my mortgage servicer. I understand that a new servicer "steps into the shoes of the originator", thus having the same rights as the original servicer regarding the mortgage. But that means that the new servicer also has...
  9. K

    Anyone Know The Louisiana Time Frame For Lack Of Prosecution?

    In a nutshell.... 1/13--original lender filed a foreclosure action. Promptly filed denying answer and counterclaim. Lender ignored counterclaim, so we filed preliminary default. the judge denied the preliminary default(??), I guess he doesnt like defaults unless the consumer is the one who...
  10. K

    Question....can two federal laws go hand in hand when it comes to a third party servicing a mortgage

    I'll try to keep this as short as possible.... for years we dealt with HSBC's fraud all over our mortgage account. They started applying our payments to various undocumented fees back in 2011 instead of applying them to the mortgage P&I like they were supposed to do. That same year they...
  11. K

    well, spoke to Caliber, my new servicer....

    ...and I'm more confused now than I was before. For starters, I have just typed up a QWR, I'd like someone who knows these things better than me to take a look at it and get their thoughts on it. Anyways, the guy on the phone, Tom, started off the call by trying to strong-arm me. He's...
  12. K

    need some QWR help....

    I need to send a qwr to my new servicer. Never had to do one before and do not want to send the internet template that asks for everything but the kitchen sink. Here are my concerns.... 1--servicer has sent me two different letters within a month.....each letter identifies a different...
  13. K

    OK, how can I find out who actually owns my note now?

    Talk to me guys....this just gets more and more confusing. My original mortgage was with HFC/HSBC. Last March, HSBC announced that they were selling off the bulk of their mirtgages in America to SpringCastle Acquisition. I received notice two months ago that HSBC was selling my mortgage to...