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.
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I sent a RESPA letter to my servicer. They finally responded. I have a Truth In Lending Disclosure Statement that servicer sent that I signed on Feb 2006. In my closing docs I have a copy of "Federal" Truth In Lending Disclosure Statement that is not signed (My copy) that is dated March 2006 (That was my closing date). Why would here be two different statements? Would one be an estimate? And why wouldn't they have sent me the one dated the same day as my closing date?

There is a Lis Pendens filed that I have to answer. Can I add this into my answer? The attorney already included in one of his counts that the note is lost or destroyed. That seems to tell me that maybe they don't have any original docs.

Can someone respond??? Thanks.... 
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Have you read over TILA, HOEPA, Reg Z, etc., yourself?

Links to some useful regs. for your convenience:



http://www.fdic.gov/regulations/laws/rules/6500-1400.html

http://www.fdic.gov/regulations/laws/rules/6500-200.html#65001

http://www.law.cornell.edu/uscode/15/usc_sup_01_15_10_41_20_I.html


I realize that is a lot of information to "throw" at you. But if you're caught in the malestrom of illegal foreclosure it is good to cover.
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