RESPA QUALIFIED WRITTEN REQUEST, ET AL. Page 2 of 21
fraudulent servicing practices to enhance balance sheets; deceptive, abusive and fraudulentaccounting tricks and practices that may have negatively affected my credit rating, mortgageaccount and/or the debt or payments that I am currently, or may be legally obligated to.
, Iam legally and lawfully able to demand, and do demand, first handevidence and information from you,pertaining to the original, uncertified or certified, security,regarding my account, #123456789. Failure to provide this security will be confirmation that youhad not created or owned one.
BE AWARE,that notice to the agent is notice to the principal and notice to theprincipal is notice to the agent.
Any notice or demand made in this correspondence applies toanyone dealing any part of this account.Also,I demand that you provide me with information related to the chain of custody of thatsame security and its current location. Absent evidence of the security, I will dispute the validityof your lawful ownership, funding, entitlement right, and the current debt you allege that I owe.By debt, I am including but am not limited to the principal balance, the calculated monthly payment, calculated escrow payment and any fees that you claim that I owe or any agent, trust or entity you may service or subservice for.
To independently validate this debt, I need to conduct a complete exam, audit, reviewand accounting of this mortgage account from its inception through the present date.
Irequest that you conduct your own investigation and audit of this account, since itsinception, to validate the debt that you currently claim I owe. I would like you to validate thisdebt, so that it is accurate.Please, do not rely on previous servicers or originators records,assurances or indemnity agreements and refuse to conduct a full audit and investigation of thisaccount.I understand that potential abuses by you or previous servicers could have deceptively,wrongfully, unlawfully, and/or illegally:1.
Increased the amounts of monthly payments,2.
Increased the principal balance that I owe,3.
Increased escrow payments,4.
Increased the amounts applied and attributed toward interest on this account,5.
Decreased the proper amounts applied and attributed toward the principal on thisaccount, and/orassessed, charged and/or collected fees, expenses and misc. charges