Applying for Mod through B of A and they assign to Wells Fargo and start foreclosure...

Javagold

LoanSafe Member
Mar 2, 2012
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For what it's worth, I have read that Fannie and Freddie have nine digit loan ID numbers. After BoA originates your loan, they sell it to Fannie/Freddie (the GSA's). When the GSAs get the actual note/mtg. they assign it a 9 digit number and apply that number with a bar code onto the front of the loan and mortgage. I don't believe that ever happened with mine, but I actually have an old mortgage with a different bank that by the time I paid it off did come back to me with the Freddie loan number and bar code right where it was supposed to be. Imagine that!
Thanks. I will check that out for sure. I know Freddie has something to do with this deception.

Also. Seems that BAC Home Loans was really Countrywide. Now i understand why my original account numbers were changed.
 

Donnah N

LoanSafe Member
Aug 1, 2017
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I need to figure out the Christina M. Schmitt.
BOA NA , BAC Home Loans And Fannie Mae pieces of the puzzle together.

Bank of America NA also switched my account number while in good standing and tried to say they were the same servicer as BAC Home Loans. But I know they aren’t !!! Plus they switched it back again a year later this time saying by merger !!! .... No assignments of mortgage either ....
So if any one can help me figure it out exactly what the Banksters did , it’s much appreciated!!
Hi,
Check out my previous posts to Elle regarding Christina M. Schmitt. With respect to the BOA to BAC followed by merger thing--- there are a couple of reports and deposition transcripts that I found helpful in understanding some of the issues here: 1) https://www.floridasupremecourt.org/content/download/329812/2958658/13-2384_020415_Comments (Lavalle).pdf (starting on pg. 25 is a nice description of how funding starts in origination, hence, affecting who debt is owed to),
2) https://archive.nytimes.com/www.nytimes.com/interactive/2012/02/05/business/05fannie-doc.html?_r=0&action=click&contentCollection=Business%20Day&module=RelatedCoverage&pgtype=article®ion=EndOfArticle,
3) http://4closurefraud.org/2012/03/22/robo-stamped-full-deposition-of-michele-sjolander-executive-vice-president-of-countrywide-home-loans/,
4) http://stopforeclosurefraud.com/2010/11/30/full-deposition-transcript-of-countrywide-bofa-linda-dimartini/ definitely download the full transcript This gives excellent testimony about BoA document custody, and maintenance process, surrogate signing, when stamps are put on, and how it is cheaper to commit fraud upon the court than to...
5) http://stopforeclosurefraud.com/2018/08/08/full-deposition-of-bank-of-america-rep-jessica-woodbridge-defective-breach-letters-paragraph-22/
6) any transcripts you can get of Declarations filed in 1:10-md-02193-RWZ, especially document 151-1 Exhibits 18 and 20, and document 48. There are lots more
7) https://www.documentcloud.org/documents/324428-greg-mackler-complaint.html This has been amazingly helpful regarding issues of spolatiation of documents submitted, scattering, clean-up, root cause, etc. I found lots of references to all of these when I used ctr-f on my laptop to search for those terms in servicing notes I got in discovery from BoA
I hope some of this helps. Good Luck!
 

Javagold

LoanSafe Member
Mar 2, 2012
150
10
18
Hi,
Check out my previous posts to Elle regarding Christina M. Schmitt. With respect to the BOA to BAC followed by merger thing--- there are a couple of reports and deposition transcripts that I found helpful in understanding some of the issues here: 1) https://www.floridasupremecourt.org/content/download/329812/2958658/13-2384_020415_Comments (Lavalle).pdf (starting on pg. 25 is a nice description of how funding starts in origination, hence, affecting who debt is owed to),
2) https://archive.nytimes.com/www.nytimes.com/interactive/2012/02/05/business/05fannie-doc.html?_r=0&action=click&contentCollection=Business%20Day&module=RelatedCoverage&pgtype=article®ion=EndOfArticle,
3) http://4closurefraud.org/2012/03/22/robo-stamped-full-deposition-of-michele-sjolander-executive-vice-president-of-countrywide-home-loans/,
4) http://stopforeclosurefraud.com/2010/11/30/full-deposition-transcript-of-countrywide-bofa-linda-dimartini/ definitely download the full transcript This gives excellent testimony about BoA document custody, and maintenance process, surrogate signing, when stamps are put on, and how it is cheaper to commit fraud upon the court than to...
5) http://stopforeclosurefraud.com/2018/08/08/full-deposition-of-bank-of-america-rep-jessica-woodbridge-defective-breach-letters-paragraph-22/
6) any transcripts you can get of Declarations filed in 1:10-md-02193-RWZ, especially document 151-1 Exhibits 18 and 20, and document 48. There are lots more
7) https://www.documentcloud.org/documents/324428-greg-mackler-complaint.html This has been amazingly helpful regarding issues of spolatiation of documents submitted, scattering, clean-up, root cause, etc. I found lots of references to all of these when I used ctr-f on my laptop to search for those terms in servicing notes I got in discovery from BoA
I hope some of this helps. Good Luck!

Many Thanks !!!!
 

Donnah N

LoanSafe Member
Aug 1, 2017
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Hi,
I thought this information might be useful to you -
My Note, originated by BoA and sold to FreddieMac in 2007, shows the en blanc stamp without recourse on the top part of my Note. The stamp says "Christina M. Schmitt Assistant Vice President" The en blanc stamping is unsigned, but it has a FAX stamp at the top dated 12/6/2011.
Now, look at the signers at the bottom of this document from the SEC website!
https://www.sec.gov/Archives/edgar/data/1382289/000114420407001636/v062347_ex99-11.htm
This is a document between Goldman Sachs, Assignor and GS Mortgage Securities, Corp. as Assignees. Christina M. Schmitt signs for BANA, the Servicer.
NOTE: On this date, Dec. 1, 2006, Schmitt signs for BoA as VICE President, NOT Assistant VP.
There are many more examples in the SEC filings.
---------
In my experience, people do not usually get demoted and stay with the company in those kinds of salaried positions. It's unlikely that some time after Dec. 1, 2006, Schmitt took a demotion and a pay cut for the priviledge of stamping her en blanc endorsement on my Note.
I don't know how to send you a copy of it. I am glad to share a photo of it with you though. If you have a phone number, I could take a picture on my phone and text it to you.
I found the best thing today. I was researching the matter of what it could mean that the Christina M. Schmitt stamp is in the space ABOVE my name in the space just after the last paragraph of the Note. It turns out that there is a UCC rule Part 4 section 3-407(b) that says that an alteration made fraudulently to the note after I signed it discharges thea party whose obligation is affected by it! That means the Note itself, the actual debt, was cancelled out because they didn't even have the smarts to put the fraudulent robo-stamp in the spot BELOW my signature. They cancelled the loan debt themselves!
 

Javagold

LoanSafe Member
Mar 2, 2012
150
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I don't know how to send you a copy of it. I am glad to share a photo of it with you though. If you have a phone number, I could take a picture on my phone and text it to you.
I found the best thing today. I was researching the matter of what it could mean that the Christina M. Schmitt stamp is in the space ABOVE my name in the space just after the last paragraph of the Note. It turns out that there is a UCC rule Part 4 section 3-407(b) that says that an alteration made fraudulently to the note after I signed it discharges thea party whose obligation is affected by it! That means the Note itself, the actual debt, was cancelled out because they didn't even have the smarts to put the fraudulent robo-stamp in the spot BELOW my signature. They cancelled the loan debt themselves!
Email me at [email protected]. I will give you phone number there. Thanks
 

Javagold

LoanSafe Member
Mar 2, 2012
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Christina Schmidtt stamp is also above my name as well !!!!

I also remember Elle telling me her Schmidtt stamp was also above her signature.
Maybe you/we should contact her ASAP to make her aware of what you just found out regarding the Note
 

Javagold

LoanSafe Member
Mar 2, 2012
150
10
18
I also remember Elle telling me her Schmidtt stamp was also above her signature.
Maybe you/we should contact her ASAP to make her aware of what you just found out regarding the Note

Yes I agree with this for sure. The person signing the note did not agree to this blank endorsement added above !!!


Alteration" means (i) an unauthorized change in an instrument that purports to modify in any respect the obligation of a party, or (ii) an unauthorized addition of words or numbers or other change to an incomplete instrument relating to the obligation of a party.

(b) Except as provided in subsection (c), an alteration fraudulently made discharges a party whose obligation is affected by the alteration unless that party assents or is precluded from asserting the alteration. No other alteration discharges a party, and the instrument may be enforced according to its original terms.

(c) A payor bank or drawee paying a fraudulently altered instrument or a person taking it for value, in good faith and without notice of the alteration, may enforce rights with respect to the instrument (i) according to its original terms, or (ii) in the case of an incomplete instrument altered by unauthorized completion, according to its terms as completed.
 

Donnah N

LoanSafe Member
Aug 1, 2017
8
1
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Christina Schmidtt stamp is also above my name as well !!!!
Isn't it a hoot that BANA violated the UCC Rules that control the situation and made the actual debt disappear??!!! I love it. I would not want to be the employee who did all of that above the signature robo-signing.
 

Donnah N

LoanSafe Member
Aug 1, 2017
8
1
3
65
I also remember Elle telling me her Schmidtt stamp was also above her signature.
Maybe you/we should contact her ASAP to make her aware of what you just found out regarding the Note
Good idea. We can start a club!