Foreclosure Defense FloridaGeneral Information


HSBC-Bank-Foreclosure-CaseIn order for this Fraudclosure Con Game to continue, we’ve all got to just sit back and allow the lies and the fraud and the crimes to continue.   We’ve all become quite good at it in this country, pretending like none of this matters.   Ignoring contracts, ignoring law, all of us marching in lock step so the banking industry can continue with this fraud.
Where are the good lawyers? Where are those that will step up and demand real truth?
I love the way April Charney states this all so clearly and plainly….

        The trial court misapplied the law and committed reversible legal error in granting judgment of foreclosure in favor of Appellee because the Appellee trust did not have any legal right to foreclose the mortgage at the commencement of this action.

Followed by, “DUH!”
The Appellee is a trust established pursuant to a trust agreement titled ” Pooling and Servicing Agreement Dated as of August 1, 2005″ (hereinafter ” PSA”).   The PSA for the Appellee trust provides, in Section 2.09, that Appellee (represented in this action by HSBC as trustee) is an express trust governed by the laws of the state of New York. (R. Vol. 6 Pg. 925-1127).
As a New York trust, Appellee’s legal existence and capacity is controlled by the PSA pursuant to which HSBC Bank, as trustee, and Wells Fargo, as custodian and servicer, derive all their respective trust related rights, powers, obligations and duties in the forming the Appellee trust, in the conveyance and transfer of ” qualified mortgage loans” into the corpus of the Appellee trust, and in the servicing of the qualified mortgage loans transferred into the trust.
The PSA is the binding trust contract that controls all of the actions of the trustee, the custodian and the servicer with respect to the Appellee trust. (Id).
On April 5, 2005, Appellant refinanced the debt on her home giving a promissory note to Trimerica Mortgage Corporation secured by a mortgage recorded in the official records of the Duval Circuit Clerk on April 19, 2005 at book 12421 and page 1878. (R. Vol. 7 Pg. 1134-1135, 1229-1237).
The referenced PSA (R. Vol. 6 Pg. 925-1127) and a related and incorporated Custodial Agreement (R. Vol. 7 Pg. 1156-1195) were introduced into evidence at trial by the Appellee.
Under the Custodial Agreement in the present case, ACE agreed to purchase Mortgage Loans from Seller DB Structured Loan Products pursuant to the Mortgage Loan Purchase Agreement. (R. 1156-1195).
Mortgage Loan is defined in the Custodial Agreement consistent with the PSA as being ” [e]ach mortgage loan identified on the Mortgage Loan Schedule” that is supposed to be attached to the Custodial Agreement. (Id).
There was no mortgage loan schedule, meeting the definition of a “mortgage loan schedule” contained in the PSA, attached to the PSA or attached to any other document introduced into the evidence in this action.   There was supposed to be a list of loans attached to the PSA, but there is not. (R. Vol. 6 Pg. 925-1127).
Additionally, the Mortgage Loan Schedule is defined in the Custodial Agreement the same as it is in the PSA as ” The schedule of Mortgage Loans to be delivered by the Depositor to the Custodian and the servicer (with a copy to the Trustee) two Business Days prior to the Closing Date and to be annexed” to the Custodial Agreement ” as Exhibit 8″.   This Mortgage Loan Schedule must contain the same 37 data points described in the PSA. (Id).   However, there was no evidence presented in this case that a Mortgage Loan Schedule was attached to the PSA.


  • captain truth (Steve) in Las Vegas has cause to believe that there is something in the water. My question is? Are we all asleep? Why?
    If you hire someone to fix your car and the car doesn’t get fixed, don’t you hire someone else and refuse to pay the first guy? We hired the FED in 1913 to stop the boom and bust cycle. The cycle remains the same and the mechanic is still being paid. “¦”¦”¦”¦”¦”¦”¦”¦”¦”¦..Why?

  • JamesM says:

    I did not see your brief so what comments I make must be given some latitude.
    (a) Petitioner argues a motion to dismiss must be confined to the four corners of the complaint, AND then argues it should have been given the opportunity to provide supplemental documents or evidence to establish the verifiers authority. The first is correct, the second is asinine. If they want to establish the authority then it must be within the four corners of the complaint, which they could have done by attachment of such evidence of athority to the complaint, which they failed to do.
    (b) Expressio Unius Est Exclusio Alterius – The mention of one thing excludes the other. The rule requires the plaintiff to verify, and that excludes the baker, undertaker or the servicer.
    As a general rule when a legal entity is going to be bound by something, an officer of that legal entity must execute the document. How else is the court going to know that person was authorized to bind the company?
    Florida also has corporate officer signature requirements for documents executed by corporations affecting title to or interest in real property. Again to make sure the party executing has the ability to bind the corporation. It would be difficult for the Banks to argue an action for foreclosure does not affect the interests and title to real property.

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