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July 4, 2011 Jamie Dimon CEO JPMorgan Chase & Co. 270 Park Avenue New York, NY 10017 Phone: 212-270-6000 Fax: 212-270-1648 Website: http://www.jpmorganchase.com RE: QUALIFIED WRITTEN REQUEST CHASE NUMBER: xxxloanxxx – your loan number CLIENT: Your Name Property Address: XX123 Broadway Columbus GAXXXXXXXXXXX This letter is a “qualified written request‟ in compliance with and under Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605(e). This letter is also a TILA request for the identity and contact information of the creditor under the Federal Reserve, TILA 15 U.S.C. sec. 1641(f) and TILA Amendment, 15 U.S.C sec. 1641(g), and Federal Reserve Opinion now Rule, 74 Fed. Reg. 60141 (November 20, 2009)- Final Rule at 75 Fed Reg. 58489 (September 24, 2010). This is now Rule to the Law. To Whom It May Concern: Please be advised that this request is in reference and triggered by the receipt of the attached „Annual Escrow Account Statement‟ dated June 23, 2012 and is in regards to the accounting and servicing of this loan and the need for understanding and clarification of various sales, transfers, funding sources, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. The subject property is located at XXXXXXXXXXXXXX. This letter concerns sales and transfers of mortgage servicing rights; deceptive, abusive, and fraudulent accounting tricks and practices that may have also negatively affected any credit rating, mortgage account and/or the debt or payments that my clients may be legally obligated to. Please provide the following information: 1. The prior years copies of the Annual Escrow Account Statement
1 QUALIFIED WRITTEN REQUEST
2. Per the TILA cited above, please provide the creditor and the contact information for that creditor. The above TILA specifies who is NOT defined as the Creditor. 3. A complete life of loan transactional history 4. The Transaction Codes for the software platform of the Servicer; 5. The Code definition in plain English 6. The Key Loan Transaction history, bankruptcy worksheet (if any), or any summary of all of the accounts in Excel (XL) spreadsheet format 7. Any MERS Milestone Reports (if any) 8. Certified copies of all Pooling and Servicing Agreements, Prospectus and Prospectus Supplements; 9. The name, address, name of a contact person and telephone number of the current holder in due course and owner of the mortgage note and each prior holder in due course and owner of the mortgage note. Identify the date(s) of any Note Assignments and Deed Assignments for each. 10.Copies of any bonds if the notes are endorsed in blank 11.Copies of each receipt of funds for the purchase of the note 12.Copies of each receipt for disbursement of funds for the acquisition of the note. 13.Copies of each purchase and sale agreement (executed) 14.Copies of each transfer receipt 15.Copies of each delivery receipt 16.Copies of any allonges 17.Provide the „tranche‟ where the above loan was included in. 18.Provide the identity of the investors in JPMAC2003-FM1 (plug in your securities trust if you know it) 19.Provide the name and address of the Master Document Custodian 20.Copies of all collection note and communications files 21.An itemized statement of the amount needed to fully reinstate the loan 22.All communications with any non-lawyer third-party providers; and 23.All screen shots of all system accounts (principal, interest, escrow, late charges, legal fees, property inspection fees, corporate advance fees, trustee suspense accounts, debtor suspense accounts) 24.Names and job titles and work addresses for each Chase employee or outsourcer who provided affidavits or proof of claim for any related bankruptcy (Your Name bankruptcy) 25.Provide the details of how Chase arrived at shortage amount of $35,125.45. (see attached) 26.Provide the name of each securities trust which the above loan was included in. 27.Provide names of any other securities which included JPMAC2003-FM1 as an offering (such as a mutual fund or Goldman Sachs offering) 28.Provide the names, addresses, company name and phone numbers for any person providing the above information. 29.Provide certified copies of the ledgers showing all payments made to the investor(s) by the securities trustee (pass-thru).
2 QUALIFIED WRITTEN REQUEST
C sec. UNDER RESPA. 32. 74 Fed. or otherwise private. “Proprietary”. 60141 (November 20. 2009). Upon receipt of this letter. 58489 (September 24. 15 U. 1641(g). I also demand that a chain of transfer from Chase to wherever the security currently is be promptly sent to me. 2010).S. To independently validate this debt. Failure to disclose the requested information on the Creditor and Creditor contact information will be considered failure to comply with the new Rule to the Law for TILA 15 U.Provide screen shots of the Bloomberg terminal related to revenue stream and payments being made to investor(s) by obligor related to the loan. and the current escrow shortage and/or debt which Chase claims Your Name owes. audit. 1641(f) and TILA Amendment. review and accounting for this mortgage account from its inception through the present date. 1601. Failure to disclose the requested information will be considered failure to comply with this Qualified Written Request and thus a violation of 15 U.Provide the identity and contact information for any entity which has paid the property taxes on Your County Property Tax ID in Your State from Date 2002 thru Date 2009 (the Your Name Property) 35. Reg.Final Rule at 75 Fed Reg. this information must be provided and cannot be claimed as “Confidential”. please refrain from reporting any negative credit information (if any) to any credit-reporting agency until responses are provided to each of the requests. I will need to have an expert conduct a complete exam.S. Your Name has no choice but to dispute the validity of Chase‟s lawful ownership. sec.C. and Federal Reserve Opinion now Rule. I would like Chase to validate the debt so that it is accurate. Absent the actual evidence of the security.Provide amounts and dates for any insurance received by Chase due to any default on the loan 34.C. I will also request that Chase conduct Chase‟s own investigation and audit of this account since its inception to validate the debt and/or shortage Chase currently claims Your Name owes. By debt I am referring to the principal balance Chase claims to be owed by Chase or any trust or entity Chase may service or sub-service for.Provide certified copies of any recorded satisfaction of Deed related to Your Name‟s Property. entitlement right.Provide certified copies of any recorded rescission of Trustee‟s Deed Upon Sale related to Your Name‟s Property 36.Provide amounts and dates of any TARP or Bailout monies received by Chase for the loan 33.30. 3 QUALIFIED WRITTEN REQUEST .S.Provide certified copies of the ledgers of any servicer or sub-servicer relatedyou‟re your loan ### 31. funding.
C sec.S. wrongfully. unlawfully. Again. and/or illegally: Increased the amounts of monthly payments Increased the principal balance Your Name allegedly owes Increased the escrow payments Increased the amounts applied and attributed toward interest on this account Decreased the proper amounts applied and attributed toward the principal on this account.Please be aware that potential abuses by Chase or previous servicing companies could have deceptively. codified as Title 12 section 2605 (e) of the United States Code as well as a request under the Truth and Lending Act 15 U. expenses and miscellaneous charges Your Name is not legally obligated to pay under this loan.S. note and/or deed of trust Caused to be recorded fraudulent. 60141 (November 20. 74 Fed. an exam and audit will be conducted and may lead to a further document request and answers to questions under an additional RESPA Qualified Written Request letter. PONZI Scheme(s) and/or tax evasion Had unclean hands This list is not all inclusive and Your Name reserves the right to sue in a court of law. 2009).Final Rule at 75 Fed Reg. and Federal Reserve Opinion now Rule. illegal and backdated documents in the county recorder‟s office Effectuated a wrongful and illegal foreclosure Lacked standing to appear in any court of law regarding any foreclosure related to Your Name Illegally and wrongfully attempted to evict Your Name Recorded fraudulent Assignments or failed to record Assignments for entire chain of title Ignored prior Qualified Written Requests Ignored prior TILA rescission notice(s) Illegally and improperly claimed that the loan was in the securities trust Caused slander of title Conducted identity theft Conducted fraud & other deceptive practices Perpetrated RICO. 1601. this is a Qualified Written Request under the Real Estate Settlement Procedures Act. RESPA provides substantial penalties and fines for non-compliance or failure to answer the questions provided in this letter within sixty (60) days of its receipt. Reg. DEFAULT PROVISIONS UNDER THIS QUALIFIED WRITTEN REQUEST 4 QUALIFIED WRITTEN REQUEST . Upon receipt of the documents and answers. 1641(g). charged and/or collected fees. 58489 (September 24. 1641(f) and 1641(g) and and TILA Amendment.C. and/or. Assessed. Now Rule of Law. 15 U. 2010).
Chase or any of Chase‟s transfers. or any property or collateral. and/or misrepresentation. Chase‟s right to damages because of Chase‟s wrongful registration and breach of intermediary responsibility with regard to Ms. By Chase it is meant the following entities: JPMORGAN CHASE BANK. Your Name‟s right to have Chase Number ###loan### completely set off because of Chase‟s wrongful registration and breach of intermediary responsibility with regard to Ms. Your Name mistakenly sent to Chase as a payment for such wrongful liability. Morgan Acceptance Corporation I. or agreement by silence to this RESPA REQUEST via certified rebuttal of any and all points herein this RESPA REQUEST. Ms.A. J. and any property and/or real estate connected to Chase number ###loan### 2. Your Name and issuing a certified check for the difference between the original value of Ms. J. J. Your Name‟s monetary instrument/asset by Chase sending confirmation of set off of wrongful liability of Ms. Morgan Acquisition Trust 2006-NC1. agrees and consents to. Your Name‟s right to. by Chase‟s breach of fiduciary responsibility. revoke and rescind any and all power of attorney or appointment Chase may have or may have had in connection with Chase number ###loan###. Your Name‟s. Your Name‟s asset. This RESPA REQUEST includes the Chase outsourcer. while offering direct testimony with the official capacity as appointed agent for 5 QUALIFIED WRITTEN REQUEST .P. a subsidiary of PROMMIS. by way of Chase issuing to Ms. as power of attorney for and by Chase. transfers. including but not limited to: 1. agents or assigns offering a rebuttal of this RESPA REQUST must do so in the manner of this RESPA REQUEST in accordance of and incompliance with current statutes and/or laws – signing in the capacity of a fully liable man or woman being responsible and liable under the penalty of perjury. Your Name‟ right of collection via Chase‟s liability insurance and/or bond 4. N. Ms. Your Name‟s name. fraud. Chase Home Finance LLC and any securities trustees. and only Ms. such as U. including but not limited to a new certificated security or any security agreement perfected by filing a UCC financing statement with the Secretary of State where Chase is located.P. Your Name‟s monetary instrument/asset and what Ms. or assigns‟ omissions of. business partner or affiliate Cal-Western Reconveyance Corporation.Chase or any agents. Ms. Your Name a certified check for the original value of Ms. title and interest (liens) in Your Name‟s. N. Your Name‟s entitlement in filing and executing any instruments. Your Name‟s monetary instrument. Morgan Securities. Bank.. including but not limited by. J. Morgan Acquisition Corporation. 5. and Pentalpha Surveillance LLC (the trust oversight manager).P. and waives any and all immunities and/or defenses to claims and/or violations agreed to in this RESPA REQUEST. any violations of law and/or immediate termination and/or removal of any and all right. 3.A. connected to Your Name or Chase Number ###loan ##. 6.S.P. Your Name‟s right to have any certificated or uncertificated security reregistered in Ms.
When no verified rebuttal of this RESPA REQUEST is made in a timely manner. Chase agrees with the granting unto Ms.Chase in accordance with Chase‟s Articles of Incorporation. by-laws duly signed by a current and duly sworn under oath director(s) of such corporation/Holding Corporation/National Association. Consent and agreement with this Power of Attorney by Chase waives any and all claims and/or defenses of Chase. Regards. Pre-emption of or to any Bankruptcy proceeding shall not discharge any obligations of this agreement. Power of Attorney: When Chase fails by not rebutting to any part of this RESPA REQUEST. Your Name 6 QUALIFIED WRITTEN REQUEST . a “Certificate of NonResponse” serves as Chase‟s judgment and consent/agreement by means of silence with any and all claims and/or violations herein-stated in the default provisions or any other law. Any direct rebuttal with certified true and complete accompanying proof must be posted with the Notary address herein within sixty days. Your Name unlimited Power of Attorney and any and all full authorization in signing and endorsing Chase‟s name upon any instruments of satisfaction of the obligations of this RESPA REQUEST/Agreement or any agreement arising from this agreement. and remains in effect until the satisfaction of all obligations by Chase have been satisfied.
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