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Published by bekki_watkins

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Published by: bekki_watkins on Jul 09, 2012
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07/09/2012

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INTHEDISTRICTCOURTOFOKLAHOMACOUNTYSTATEOFOKLAHOMAARGENTMORTGAGECOMPANY,
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Plaintiff,
v.
ANTH01'.TYWARRIORandKIMBERLYWARRIOR,husbandandwife;andOCCUPANTSOFTHEPREMISES,Defendants.andANTHONYWARRIORandKIMBERLYWARRIOR,Third-PartyPlaintiffs,
v.
COUNTRYHOMELOANSOFOKLAHOMA,Third-PartyDefendants.CaseNo.CJ-2004-9627
ANS\VER,COUNTERCLAIMANDTHIRD-PARTYPETITIONOFTHEDEFENDANTSANTHONYWARRIORANDKIMBERLYWARRIOR
TheDefendants,AnthonyWarriorandKimberlyWarrior("Warriors"),fortheirAnswertothePlaintiffsPetitionforForeclosureofMortgage,allegeandstate:1.Uponinformationandbelief,Defendantsadmittheallegationscontainedinnumericalparagraphs1and2inPlaintiffsPetition.2.Defendantsdenytheallegationscontainedinnumericalparagraphs3through12inPlaintiffsPetition.
 
AFFIRM
A
TlVE/OTHERDEFENSES
3.PlaintiffhasfailedtostateaclaimagainsttheseDefendantsuponwhichreliefcanbegranted.4.Plaintiffand/orDefendants'brokerareguiltyofactualand/orconstructivefraud.5.PlaintiffbreacheditscontractwiththeseDefendantsandsuchbreachistortious.6.Plaintiffrna
y
beguilty
0
fviolatingspecificprovisionsofRESPA,TILA,andH0EPAthuswarrantingvariousremediestotheseDefendants,including,butnotlimitedto,rescissionand/ordamages.7.DefendantsareentitledtoanoffsetastoanyamountsrecoveredbyPlaintiffagainsttheseDefendants.8.Thirdparties,namedorunnamedinthislawsuit,areguiltyoffraudandconspiracytoconcealmaterialinformationfromtheseDefendantsand/ortoperpetrateafraudupontheseDefendants,creatingvariousremediesinfavoroftheseDefendants,including,butnotlimitedto,rescissionand/ordamages.9.ThePlaintifflackscapacityand/orstandingtobringthepresentlawsuit.10.Plaintiffhasfailedtocomplywiththetermsoftheloannote-anadhesioncontract-whichitdraftedandrequiredDefendantstosign.11.Plaintiffhasfailedtomitigateitsallegeddamages.12.Inasmuchasthislawsuithasonlyrecentlybeenfiled,anddiscoveryhasnotyetbegun,Defendantsreservetherighttolistadditionalaffirmativedefensesand/orassertotherclaimsatalatertime,afterthepartieshavehadanopportunitytoconductdiscovery.2
 
WHEREFORE,theDefendants,AnthonyWarriorandKimberlyWarrior,respectfullyrequestthatjudgmentbeenteredintheirfavor,andthattheybeawardedallcostsexpendedinthismatter,includingattorney'sfees,andsuchotherandfurtherreliefasthisCourtmaydeemjustandproper.COUNTERCLAIMDefendants,AnthonyWarriorandKimberlyWarrior,fortheirCounterclaimagainstthePlaintiff,allegeandstate:
FIRSTCLAIM
FOR
RELIEF
ViolationsoftheHomeOwnershipandEquityProtectionAct(HOEPA).TruthinLendingAct(TILA)andRealEstateSettlementProceduresAct(RESPA)
TheDefendants,AnthonyWarriorandKimberly,fortheirFirstClaimforRelief,allegeandstate:1.AssetforthinPlaintiffsPetition,ArgentMortgageCompany,LLC("Argent")isacorporationdulyorganizedunderthelawsoftheUnitedStatesofAmerica,anddidbusinessintheStateofOklahoma.2.Uponinformationandbelief,PlaintiffhasviolatedvariousprovisionsoftheHomeOwnershipandEquityProtectionAct("HOEPA"),theTruthinLendingAct("TILA")and/ortheRealEstateSettlementProceduresAct("RESPA").3.ThespecificviolationsoftheseActswillbeidentifiedthroughthediscoveryprocess.4.However,accordingtotheSettlementStatementfurnishedtotheseDefendantsatthetimeofclosing,themortgagebroker,CountryHomeLoansofOklahoma,waspaidacommission,orloanoriginationfee,intheamountof$3,082.16.Thisloanoriginationfeeisgreatlyinexcessofthestandardonepercent(1%)oftheloanamount.Further,thisloanoriginationfeewaspaidfromDefendants'fundsatsettlement.Inaddition,thesamemortgagebrokerwaspaidayieldspreadpremium,byArgent,intheamountof$1,888.00,outsideofclosing.3

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