10-06-11 Complaints Filed with Office of Comptroller of the Currency and SEC against Countrywide, Bank of America (NYSE:BAC), and Brian Moynihan - alleging fraud and extortion on Dr Zernik, fraud on shareholders, on banking regulators, and on the US taxpayer s

Beyond the introductory narrative about 130 links to records are provided as evidence of ongoing racketeering by Brian Moynihan and Bank of America at the Los Angeles Superior Court.

D. LAYPERSON’S INTRODUCTION
Most honest persons are… (More) Beyond the introductory narrative about 130 links to records are provided as evidence of ongoing racketeering by Brian Moynihan and Bank of America at the Los Angeles Superior Court.

D. LAYPERSON’S INTRODUCTION
Most honest persons are likely to have difficulty in understanding the range of convoluted schemes employed by Countrywide and Bank of America described in instant complaint. Therefore, a layperson’s introduction is provided below:
1. REAL ESTATE FRAUD - Under Samaan v Zernik Countrywide, and Bank of America after it, were key perpetrators in a real estate fraud and banking fraud, which was opined by fraud experts second to none – James Wedick – (36) FBI veteran, who was decorated by US Congress, FBI Director, and US Attorney General, and Robert Meister – renowned fraud expert. The case involved no foreclosure, no bankruptcy, and no default on mortgage of any kind. Regardless, Dr Zernik was forced to leave his home under illicit threat of force, the property was taken for private use. Fraud in conveyance of title was committed in December 2007, ~$1.8 millions were collected in the purported sale of the property, but Dr Zernik was never compensated to this date in one penny for his residence.
2. HARASSMENT, INTIMIDATION, RETALIATION - Once Dr Zernik exposed the fraud and filed complaints with law enforcement, an extortionist retaliation campaign was initiated by Countrywide, and later continued by Bank of America. The campaign entailed the fraudulent employment of one of the worlds largest law firms to harass, intimidates, and retaliate against Dr Zernik.
3. FALSE PARTY DESIGNATION SCHEME - In civil litigations of the Superior Court one finds at minimum “Plaintiff” and “Defendant”. However, there is NO such party designation as “Non Party". Countrywide and Bank of America have been filing papers for 2.5 years under party designation "NON PARTY". Think about it as if in a football game, a third team appeared on the field, assisting one of the two legitimate teams in the game, and was listed on the scoreboard as "NON TEAM".
4. FALSE COUNSEL SCHEME - Attorneys appeared on behalf of Countrywide and Bank of America in courts, without being legally authorized to appear on behalf of their clients. As routine part of such schemes Countrywide was documented in the Case of Borrower Parsley in US Bankruptcy Court in Texas (9) as retaining such false counsel with "no communications with client clause.” Think about it as hiring a hit man, with a written contract never to contact the client once the hit man is hired, hoping to maintain deniability regarding conduct of the hit man that way.
5. PRODUCING OF FABRICATED BANKING RECORDS - The collapse of Countrywide in January 2008 was unrelated to the performance of its loan portfolios. Instead - it was the market's reaction to the publication by the New York Times, that Countrywide was caught in the Case of Borrower Hill in Pennsylvania, filing "Recreated Letters" as evidence. (37) Filing of false and deliberately misleading records was also part of the practices documented in Case of Borrower Parsley. (9) However, in the case described below, Countrywide produced hundreds of false banking records, (19) which documented in great detail the non-existent underwriting of residential mortgages already in 2004 – creating liabilities to the US government, which is the foundation of the current crisis.
6. OBSTRUCTION AND EXTORTION – Bank of America published a Code of Ethics, which promised to “do the right thing”, and Outside Counsel Procedures, which stated that outside counsel must be authorized to appear on behalf of Bank of America in a give caption, must not engage in obstructionist conduct, and must report to the General Counsel on conduct involving fraud that they may become aware of. The evidence provided here shows the exact opposite conduct.
7. WHY DO THEY BOTHER? - Angelo MOZILO – then Countrywide CEO, Sandor SAMUELS – then Countrywide Chief Legal Officer, today – Bank (Less)

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