Case 1:15-cv-00293-LTS-RWL Document 427-72 Filed 09/30/19 Page 1 of 3

EXHIBIT 72
From: Kassem, Omar
To: 'Larry@sacapitalpartners.com·
Sent:

Case 1:15-cv-00293-LTS-RWL Document 427-72 Filed 09/30/19 Page 2 of 3

Subject: ~ aynard MA017S4-

Wow. rm a,mzed both tlk!se Chase folks n~, er responded back. Or at least the manager.

Fronr L:.>rl) Sclu,cickr [m,illo:L111')' {/SaC;ipiL1lp.1ruicrs.co111]

Sent: Moudal. OttoberOl. 2012 IIS:46 PM
To: Kassen\ 0nm
Subject: FW■■••·········t\'b)mrd MA(ll7:-4-

Hi Omar,

This email pertains to the email you sent on September sth• 2012 v.t1ich reqlires Investors to identify buyback loans by October 12th• 2012.

This loan was purchased by S & A Capital Partners June 25th. 2009.
Janet Joh of Chase approved a short sale for both the Chase 1$1and 2 nd (which Chase did not own) which closed December slh, 2011.
On Friday May 25111 • 2012 I became aware of the situation and spoke to Janet Joh who basically hung up on me and told me to never call her again and not to email her, which I naturally did to docl.lllent the problem in writing. I also left
three voicemails and a few emails for her supervisor Julio Escobedo regarding the problem. He never returned any of my cal or emails.

Thank you,

Larry Schneider
S & A Capital Partners
2101 NW Corporate Blvd., $lite 102
Boca Raton, FL 33431
Tel: 561-893-9805 x 204
Fax: 561-893-9808
www.sacapitalpartners.com

From: Larry Schnelder

Sent: Friday, May 25, 2012 3:38 PM
To: fanet.foh@chase.com
Cc: fullo.escobedo@chase.com: Jennifer L. walker. rfiras@moreirafrias.c-
Subject: • • • • • • • • • • • • • • •Maynard MA 01754
Importance: High

Dear Ms. Joh,

Per our conversation. I look forward to speaking with your AVP, Jule Escobedo In an attempt to resolve the problem in which you provided a short sale approval for both the 1st Mortgage (account #0024614554) owned by Chase and the 2 nd
mortgage(account #24614562) which is owned and serviced by our finm. S & A Capital Panners owns and services the above referenced loan since it was acquired from Chase on June 25 th , 2009.

Just to recap the situation, it appears that there are three safeguards in wtich tl'is error should have been avoided, however. it appears that there were mistakes made by both Moreira & Frias and Chase. as well as possible deception by the
borrower.

1. Law Office of Moreira & Frias ran title and closed the purchase and sale agreement between We beleve we have a properly recorded assignment of mortgage dated August
4th, 2009 (copy attached). Moreira & Frias shoiJd have a fiduciary responsibility to contact us as the last assignee of the mortgage to request a payoff of the mortgage. It Is my understanding that someone from Moreira & Frias has
recently requested a Satisfaction of tl'is mortgage from Chase. Please be on notice that they do not own the mortgage and do not have the authority to execute a satisfaction.

CONFIDENTIAL / SUBJECT TO PROTECTIVE ORDER JPMC-MRS-00016274

 2. Janet Joh@ Chase had agreed to a short sale approval for both the 1st and 2nd in a letter to dated December 5, 2011(copy attached). Although Janet Joh would not speak to me regarding this file. I have spoken to my
contacts at chase who claim the sale of the mortgage was clearty and property indicated on the account. Additionally, we are in possession of the original note and loan docunents. Again, it is my understanding that someone from Moreira
& Frias has recently requested a satisfaction of this mortgage from Chase. Please be on notice that Chase does not ow n the mortgage and does not have the authority to execute a satisfaction.

Case 1:15-cv-00293-LTS-RWL Document 427-72 Filed 09/30/19 Page 3 of 3

3. Mr,llllllli"as fully aware that we owned and serviced the loan and failed to disclose this information to the title company, Attached is a copy of the certified retisn receipt signed by■■■■■■on 8/112009 in which she received
our Notification of Loan Transfer, assignment, etc.. In the last conversation with Mr. - he informed us that the · 1st will be foreclosing due to non payment and that he was looking to move in IMth a friend or family member". The
th
transfer of title was conveyed by Quit Claim Deed on November 30 , 2011 v.tlich we believe to be highly urusual as most •arms length transactions· are conveyed by warranty deed. We also do not believe that the contract price of
$200,000 property reflects the true market value of the property at that time.

We wot.Id prefer to avoid a foreclosl.l'e action against the borrower and the new owner to collect on the debt. Please advise if there is an alternative course of action to this situation.

Sincerely.

Larry Schneider
S & A Capital Partners
2101 NW Corporate Blvd.. Slite 102
Boca Raton, FL 33431
Tel; 561-893-9805 X 204
Fax; 561-893-9808
www.sacapitalpartners.com

CONFIDENTIAL / SUBJECT TO PROTECTIVE ORDER JPMC-MRS-00016275