ordered 16 of the nation's largest mortgage lenders and servicers to reimburse

Submitted by savcash on Thu, 04/14/2011 - 16:53.

Gov't orders 14 lenders to reimburse homeowners


WASHINGTON – The federal government on Wednesday ordered 16 of the nation's largest mortgage lenders and servicers to reimburse homeowners who were improperly foreclosed upon.

Government regulators also directed the financial firms to hire auditors to determine how many homeowners could have avoided foreclosure in 2009 and 2010.

Citibank, Bank of America, JPMorgan Chase and Wells Fargo, the nation's four largest banks, were among the financial firms cited in the joint report by the Federal Reserve, Office of Thrift Supervision and Office of the Comptroller of the Currency.

The Fed said it believed financial penalties were "appropriate" and that it planned to levy fines in the future. All three regulators said they would review the foreclosure audits. Under the agreements reached, the lenders and servicers have 45 days to hire an auditor and will "remediate all financial injury to borrowers caused by any errors, misrepresentations, or other deficiencies." There is no minimum or maximum dollar amount identified.

In the four years since the housing bust, about 5 million homes have been foreclosed upon. About 2.4 million primary mortgages were in foreclosure at the end of last year. Another 2 million were 90 days or more past due, putting them at serious risk of foreclosure.

Critics, including Democratic lawmakers in Congress, say the order is too lenient on the lenders. House Democrats introduced legislation Wednesday that would require lenders to perform a series of steps, including an appeals process, before starting foreclosures.

"I want to know what abuses (the government agencies) identified, which banks committed them and how their proposed consent agreement is going to fix these problems," said Rep. Elijah Cummings, D-Md., the ranking member of the House Government and Oversight Committee. "Based on what I have read ... I am not encouraged at all."

Sen. Tim Johnson, D-S.D., chairman of the Senate Banking Committee, said the agreements struck were a "step towards addressing the improper and fraudulent practices to which many of the country's largest mortgage servicers have admitted."

The other lenders and service providers cited by the agencies include: Ally Financial Inc., Aurora Bank, EverBank, HSBC, MetLife Bank, OneWest Bank, PNC, Sovereign Bank, SunTrust Banks, U.S. Bank, Lender Processing Services and MERSCORP.

Citigroup said in a statement that it had "self-identified" needed changes in 2009 and that it has helped more than 1.1 million homeowners avoid foreclosure.

"We are committed to working with our regulators to further strengthen our programs in these areas and meeting these new requirements," the company said.

Ally Financial, formerly known as GMAC, said it had not found "any instance where a homeowner was foreclosed upon without being in significant default."

Without specifically identifying instances of bad foreclosures, the government agencies noted in its report that the "deficiencies in foreclosure processing observed among these major servicers may have widespread consequences for the housing market and borrowers."

John Taylor, chief executive of the National Community Reinvestment Coalition, a consumer housing watchdog, said the government's action is a year too late. It does little to help those who are just now wrestling with a foreclosure and those who have already been displaced, he said. Rather than moving swiftly to seize people's homes, the banks should have done a better job helping people lower their mortgage payments through modification programs, he said.

"This should have happened a long time ago," he said. "There are so many people who, if they had received a meaningful modification, could have stayed in their homes




[//end copy]

The cease and desist on MERS is good too. Google it, fraud = no contract (fake notaries)


but to learn about how to get out of issues and protect yourself, see  http://www.myprivateaudio.com/All-Foreclosure-site-Map.html  and learn from lots of info there.    Betty



"The world is a dangerous place to live; not because of the people who are evil, but because of the people who don’t do anything about it” Albert Einstein

This just takes the cake Betty

This just takes the cake Betty when I was loosing my house they turned me in circles wanting this paper and that paper and did you see the special on 60 minutes? All the whiles they were paying people to put fake signatures on all them papers they was using to kick people out of there homes and they were paying them $10 an hour! to sign their name as a bank president they said they just sat and sat signing away all day long.

how long ago did you loose it?

There may be time enough to still do something about it?

That is the pits, would reak for sure, Betty

(nice to meet you :)  how did you find your way here?


The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

well now its been some time...

my husband passed away and he took care of all those things and I had not known the house payment was so big. I tried but I just fell behind. My nephew was trying to help me get all the papers together and get a better deal on it but truth be told it was more house than I could handle myself so I guess it was just as well. There is a real nice family living there now. I moved out here to my sister and all her family.

I take the marajana for my gluacomas and my friend told me they was working on getting it legal all over and I started to read more and more about it so I found this place when I was looking and you all have interesting conversations on here.

well, I like the header pics better than some of the

conversations for sure. If Norm is doing them all (NOT SURE??)

he really has a nice eye for color. I am  sure it is time consuming on his part too. Nice job!

going to have to start signing my posts betty b. smile




The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

at any rate, see here to "stop the fraud"

save the site -perhaps for others if not for yourself.


bookmark it :)



and browse the site fully. Download the press release and give to a friend as well.

Good luck, Betty B.

The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

Well that looks like an interesting webpage, Betty

Well that looks like an interesting webpage, Betty with a lot of good information. I looked at the links and I especially liked the one that went to the story about those teachers trying to preach social services to our kids. Every one thinks they deserve a hand out now a days and everyone is trying to take other peoples properties. Its a shame.

I saw they asked for donations where does that moeny go to?

Don't pay any attention to that website, KY Betty



Betty Savcash pls explain link to bogus stopthefraud2010.com

Hello Betty,

I looked over the site to which you linked, and I appears to me to be a fraudulent site hoping to capitalize on the unsuspecting.   I checked the 2010 whois at Blue Host, but the registrant has privacy turned on.   What's going on?

Best,  Jeff B







if you follow the links, funds go to the class action lawsuit

I heard of the site on a radio show I listened to. If you follow the links, you can see who all is associated with this cause




please watch



you might have heard of?




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I got there from

http://www.theunitedstatesdejuregovernment.org/news/ (see right side)

and I got there from

link off of the stopthefraud.com that details what the class action suit is. I assure you it (none of it) is fradulent. The downloadable link is ;





Below is a newspaper ad campaign to spread the truth of the CORPORATE BANK FRAUD PERPETRATED ON THE AMERICAN PEOPLE!  This should be done in the masses and kept rolling around the country continuously.   The purpose of this newspaper advertisement is to get the fraud out to the “sleeping giant” and embarrass all who touch, have touched and will touch your documents by including their names.  By putting their name in the ad, you are pointing out what may possibly be a trend of unclean hands on cases and loans.   Fraud is Fraud and it doesn’t matter if you’ve been dragged into court or not.  Use this information “newspaper ad” for every bank loan you have.  EX:  Foreclosures, credit cards, car loans, student loans, bank loans, etc.  DO NOT slander anyone.  The reason the names of all are in here is to bring awareness of which Judges, Sheriffs, Banks, etc have had their hands on your case or which VP of your bank has your loan. Embarrassment of having a name in the paper is enough to bring awareness.


DISCLAIMER:  http://www.stopthefraud2010.com and http://wwwtheunitedstatesdejuregovernment.com does not condone slanderous behavior.  If you print or say anything slanderous it is at your own liability.  Please be careful.



PLACE ALL ADS INTO THE LEGAL NOTICE SECTION (you know where all foreclosures, repossessions, etc. are located).  Feel free to use both or either paragraphs below depending on your financial situation.





WAKE UP AMERICA:  ALL BANK LOANS ARE FRAUDULANT!  No bank or their representative has ever signed your note—just look at the notes you have on your home, car, student loan, etc..  The public does not have a legally binding contract because the notes are not signed by the banks and the notes have been sold on the open market as asset-backed SECURITIES, mortgage-backed SECURITIES and other SECURITIES without your will, knowledge or consent.  Your notes have been stamped paid in full on the back of the note and sometimes the front.  No bank holds the note anymore and cannot foreclose repo, collect or call up any loan by acceleration. You do not owe the loan as it’s already been paid many times over to your bank. Your signature made you the creditor and not the debtor.


The following bank loan is normal">FRAUDULANT and has been called up as a foreclosure by the corporate bank (XYZ BANK), represented and filed by the corporate XYZ Bank’s Attorney/Firm (XYZ BAR FLY AND BAR FLY FIRM), into the court and being heard by the corporation Clerk of Court (COC) (XYZ COUNTY COURTHOUSE) AND (CLERK OF COURT HIS/HER NAME HERE) AND being heard by the corporation (JUDGE PRESIDING), served by the corporation (XYZ COUNTY SHERIFF’S OFFICE AND DEPUTY), etc. yes">  All the corporations listed above can be found on Dun and Bradstreet at http://www.dnb.com/ by doing a business search.  normal">America is a corporation.  Every City, State, Federal, Assessor of Taxes, library, COC, Courthouse, any and every government agency is a corporation all for MONEY!  http://www.law.cornell.edu/uscode/28/usc_sec_28_00003002----000-.html  Why does this matter?  The money making machine goes deeper into our pockets as long as the FRAUDULANT BANKS and normal">CORPORATION exists.  Remember when you drive into the city limits and it says “XYZ COUNTY CORPORATE LIMITS”?  Visit http://www.stopthefraud2010.com and http://www.theunitedstatesdejuregovernment.org for more information.

[//] end copy

and you can see more at

http://www.stopthefraud2010.com/stf2010-docs/  for the important doc.

Whatever made you suggest it, any of it is fraud? Miller sure didn't do her homework. This site is going to help hundreds, if not thousands of people claim back part of what they lost thru bank fraud.

If you have any questions, there are emails and phone numbers you can contact for more details. These people doing crooked things to the ones they service, is just WRONG!  Betty B.







The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

heartache & headache

as well as a few dollars poorer will result if you follow these links, ky Betty. There are many FREE places to help you, and they won't ask for a penny. Beware of sites that ask for donations and want you to file all sorts of letters that create and rewrite the laws. Don't get used. Realneo is an open forum, and that means readers have to beware and keep their eyes open. Sad, but true,

Best of luck to you and yours.

Betty Savcash pls post the link to the 2010 site

Helly Betty,  I can't find any link on the site which substantiates the site as legitimate.   Are they a 501 C3?   Help me out here.  Post the link.  Please post the link which you believe separates the site from what it appears to be - a con site run by web developers in the Ukraine -   Best,  Jeff B

be glad to

However, have NO CLUE how you even bring ukraine into this :(  Some people "within" or that once were, can not reveal all.


http://www.whois.net/whois/stopthefraud2010.com  hosted  out of


Provo, Utah 84604 United States


 But they will, at the proper time.  AND they have the backing of http://goooh.com/ see the page http://goooh.com/Learn.aspx?pageid=36 for a long list of nice 'who' SEE







www.stopthefraud2010.com - time to take the fight to the to big to exist banking fraud industry

Submitted by Bezerker on Sun, 03/13/2011 - 14:07



www.stopthefraud2010.com this site was created by a Patriot former Federal judge that knows the truth. Banks loan you nothing. Under HJR-192 passed June 3,1933 all real money was removed from our system and replaced with the Promissory Note standard. When you sign the Promissory note it is monetized and the Bank is paid in full 72 hours later.


Your blue ink signature creates the money, they loaned you nothing. Any Foreclosure can be stopped with one question: "SHOULD THE ONE WHO FUNDED THE LOAN BE THE ONE WHO IS REPAID THE MONEY DEBT?". If the answer is yes or no, the banks must zero out the false debt on their fraudulently created none-existent loan. There was no lawful loan made by the bank to so-called borrower.


All banksters, Politicians, and Judges know this truth, and they fear the wrath of the public should their dirty secret ever become known by a critical mass of people that they have for decades been defrauding. The so called borrower. Banksters will not answer this in any courtroom in the world because they know that the borrower is the one who actually funded the loan. They also know that the evidence of this fact can easily be found in the bookkeeping loan entries of the bank, according to GAAP(Generally accepted accounting principles). BANKING IS A SCAM AT EVERY LEVEL !!!!!!!!!!!!!!!!!!!!!!

Stop the fraud 2010 short version Uploaded by Amethystmountain on Oct 25, 2010 same content as the Constitution Forum, only corrected the websites listed at the end. stopthefraud2010.com theunitedstatesdejuregovernment.com Category: News & Politics Tags: U.S. corporation de facto government slave trade corrupt elections

The above video located at http://www.youtube.com/watch?v=SVjP8NESj9Q details what "corporations" are about you.
--The US is a corporation, see Statutes at Large 1878, it was an act of congress, the US finally un-seated its republic with the 17th amendment (1920) and became a fully corporate entity (Corp US) what congress now calls a “democracy” , LOL. --



-Manta.com lists over 63 million private corporations based on data supplied by Dun & Bradstreet. That data suggests that most or perhaps even all of modern governmental “departments” and “agencies” may be private corporations rather than true “branches” of constitutional government. Enter “The White House” into the Manta.com search engine, you’ll find over 13,000 “private companies” that use that name—and most are legitimate “private companies.” But number 8 on the list is located at 1600 Pennsylvania Ave. NW, Washington DC—the same place where President Obama works. The White House appears to be a “private company.”


Try “US House of Representatives.” You’ll get a list of “1,383 US companies.” Here’s the first on the list: “US House of Representative (Representative Velazquez) Branch “5007 108th Street, Flushing NY Enter “US Supreme Court,” “US Marine Corps,” “Internal Revenue Service,” of even “United Nations” into the Manta.com search engine and see what happens. The search possibilities are almost endless. The results, seemingly, are always the same: According to Dun & Bradstreet, most or all of the agencies that currently pass for “government” are actually “private companies.” [from http://housingdoom.com/2011/03/29/usa-inc-what-if-the-us-was-a-corporati... comments, all true, do the task]


I don't know them other that from talkshoe shows and emails and find them a great group with impressive people , so I will email them to come and post here more details if you wish. Thanks, Betty

The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

Send no money

 and don't sign up for anything.
The link is spam and scam.

The real link for assistance is here www.stopfraud.gov/

The scam/spam link is here www.stopthefraud2010.com/

Very similar wording, but not similar assistance,, for sure.

OMG, does it ever stop?

 KY Betty, there is a better website. www.stopfraud.gov/

well I'm just waiting for my

well I'm just waiting for my husband's estate to settle the money for that and his business and investments will all settle out, we are just waiting for the lawyers to get done and get theres theres a real nice family in it and my nephew was able to get a little bit out of it for the estate I don't understand all that stuff and I don't have no kids to leave it for anyways so its just as well someone nice has the house. I don't need lots of money just a good roof over my head.

we all know this 'system' is broken


THE PTB ARE NOT ONLY MESSING WITH OUR FUTURE, MONEY, AND FREEDOMS, MORE AND MORE, OUR FAMILIES TOO. http://www.govabuse.org/index.html ---COPY--- We the People” demand reformation of: OUR FAMILY COURT SYSTEM including: Assigned Judges- must be abolished · We are stripped of our right to elect public servants (judges) · Assigned judges cannot be voted out of office as they are ‘assigned’ to hear cases after pretending to retire. · They have zero incentive to administer justice or follow law or legal procedures because they cannot be voted out of office after they ‘retire’ THEREFORE, we have been stripped of our legal right to elect (vote) for our judges


· Assigned judges are ‘DOUBLE-DIPPING’. Pretend to ‘retire’ but are assigned to family court cases, collecting approx; $485.00 per ‘day’ while collecting their retirement pay- all paid by taxpayers · Court appointed guardian-ad-litem / advocate for child / lawyer for child · Child Protective Services aka; CPS/ DHS / DFS/DSS/Foster Care and Adoption Services ---join the nation wide protest that will save America’s children, families and tax dollars before we lose the way of life that made America the greatest country. [//]


another,,, http://www.nationalcenter.org/ShatteredDreams.html -


-snip-- Shattered Dreams: One Hundred Stories of Government Abuse As Ronald Reagan said, the nine scariest words in the English language are, “I’m from the government and I’m here to help.” An important new book, just out from the National Center for Public Policy Research, shows how on the mark the Gipper was.


Shattered Dreams: One Hundred Stories of Government Abuse gives a hundred reasons why government left unchecked can harm even innocent, law-abiding citizens. With a foreword by Ted Nugent and an introduction by Judge Andrew P. Napolitano, Shattered Dreams serves a cautionary note against those who would expand government’s powers and increase its scope over our lives and livelihoods. A team of researchers and experts at the NCPPR provide a rap sheet of government’s regulatory missteps, from the merely comic (like the Minnesota girl harassed for running an unlicensed lemonade stand) to the truly horrific (children ripped from the loving arms of parents whose only crime was wanting a quality education for their kids). [//]


more at link. Letting others do your thinking and talking for you, you just loose too much, Betty

The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

" Letting others do your thinking and talking for you "

Make educated decisions on your own.


The class action litigation scam is one of the newest con games out there.             NEVER pay or donate money to be a part of any class action lawsuit. 



This alert is written to warn consumers about marketing companies, unlicensed entities, lawyers, and so-called attorney-backed, attorney-affiliated, and lawyer referral entities that offer and sell false hope and request the payment of upfront fees for so-called “mass

joinder” or class litigation that will supposedly result in extraordinary home mortgage relief.  link to this alert here


Below are some  tips and other information:


FBI's website on fraud and scams

  • Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons.
  • Be aware that your personal information is often brokered to telemarketers through third parties.
  • Never respond to an offer you don't understand thoroughly.

Internet Fraud

As web use among senior citizens increases, so does their chances to fall victim to Internet fraud. Internet Fraud includes non-delivery of items ordered online and credit and debit card scams. Please visit the FBI's Internet Fraud webpage for details about these crimes and tips for protecting yourself from them.


Better Business Bureau website on scams

The housing market in the United States may not be thriving, but business is booming for foreclosure rescue and loan modification scammers.


Ohio Attorney General Richard Cordray is warning residents to beware of foreclosure rescue scams

“Under no circumstances should borrowers pay any company any dollar amount to gain the benefit of this plan,” he said. “Con artists tend to prey on the financially vulnerable. Ohioans should arm themselves with knowledge and recognize their rights.”

Those who think they have been the victim of a scam can contact the attorney general’s office via the web at SpeakOutOhio.gov or by calling 800-282-0515.


Realneo has always been very good at deleting other spam and scams on this website.  Why the administrators continue to allow this soliciting of the scams is beyond me.  The administrators at realneo are placing many people in danger by continuing to allow this to happen.  I thought we looked out for people on realneo?         




let's be clear


You link to a bunch of trash that has nothing to do with what link I put up.  YES, KNOWING YOU WORK FOR THE GOV YOU MAY NOT LIKE TO READ ABOUT THE FRAUD THAT THEY DO, BUT STOP TRYING TO MUDDY THE WATER WITH BS. Or do they pay you to mis-inform as well?


U said [snip...... joinder” or

class litigation

that will supposedly result in extraordinary home mortgage relief.  

link to this alert here [//]

and you link some site that has nothing to do with my subject at hand.

The site is also dedicated to stopping fraud within the courts toward families. Another class action suit there. See site for deatils.


This is a Nation-Wide campaign to unite everyone in stopping bank fraud.  You don't have to fight it all alone.  United, We the People Stand for Freedom from ALL Fraud.  Together, we can make a huge impact.    http://www.stopthefraud2010.com/     [//]


Let's hope people are smart enough not to just read your trash here and buy into it. This is a very serious subject, and the people are tired of the assault from the government and those they empower to act in and continue the fraud.

Another video from speaker Allen West on this 'budget' and failings of it and the gov

Allen West's Late Night Speech Causes Crowd to Sing God Bless America! April 15, 2011 from Gabriel Carrera on Vimeo.

fraud from judges toward children and families, this is just the tip


and, altho there are many sites detailing this, one more


in the seventies we had watergate - now it's waterfall of fraud after fraud,


http://governmentgonewild.org/  [Government Gone Wild! The GGW video "Brother, Can You Spare a Trillion?" has eclipsed a half a million views on YouTube!!! Great work everyone! We have more work to do...let's hit the 1 million view mark. Please click the "SHARE" button below and re-post the video to your Facebook friends!!    

Dream Car

SHOCKING VIDEO: Brother, Can You Spare a Trillion?

MUST SEE VIDEO!...This is the position OUR Congress has put us in!





see that and weep if things are not started to turn around pretty soon, Betty


The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

con artist



fail there gurl, "A wise man proportions belief to the evidence"

"A wise man proportions belief to the evidence."

- David Hume

"Some people are like Slinkies ... not really good for anything, but you can't help smiling when you see one tumble down the stairs" - Unknown

pfftttt, Betty

The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?


comment merited 

Jeff, did that help answer your questions?

Or some of them anyway.  This is no bogus site, offshore either. Nor does the hosting have anything to do with the content on the site.



dw, you don't take it literally,  I don't take things literally. You take this in a strict sense ?  If you knew me better, you would never go there.

You needn't go thinking all negative. geezzeeessssish, you always do that.

                                Everyone's good for something even if it is just as a bad example and what not to do

(call people names (me, I am not going to stoop to Lily's level, nor is there any need for me to defend myself) and then - claim trash without any proof.  I will spell it out for you, Debbie, because you seem to be the type of person that needs that, groan. Well...... hope that clears things up for you sweetie.)


It's called Figure of speech, but you have to look for it, Betty.


The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

three words gets me all of this

I said "no comment merited" and I get all of this:

....." dw, you don't take it literally,  I don't take things literally. You take this in a strict sense ?  If you knew me better, you would never go there.

You needn't go thinking all negative. geezzeeessssish, you always do that. 

                                Everyone's good for something even if it is just as a bad example and what not to do

(call people names (me, I am not going to stoop to Lily's level, nor is there any need for me to defend myself) and then - claim trash without any proof.  I will spell it out for you, Debbie, because you seem to be the type of person that needs that, groan. Well...... hope that clears things up for you sweetie.)


It's called Figure of speech, but you have to look for it, Betty."




yes, because it is not the first time you have done this Debbie


Tried to put words in my mouth. On the article I posted about Obama being a target, I had stopped the copy and paste in quoting the


article- where they did bring that up. Then you come on and post to accuse me of that, when that is not what it was at all. Soooo no, you do not get to put words in my mouth and I see that is your game.


Night, Betty

The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?

File your complaint and list of crimes

Everyone should read the documents in the links and file the complaint form as soon as possible OCC issued individual consent agreements listing crimes each bank /
servicer comitted...
See if your bank / servicer is listed, read the consent agreement for your bank , and then...

[OCC Takes Enforcement Action Against Eight Servicers for Unsafe and Unsound
Foreclosure Practices]


WASHINGTON — The Office of the Comptroller of the Currency today announced formal enforcement actions against eight national bank mortgage servicers and two third-party servicer providers for unsafe and unsound practices related to residential mortgage loan servicing and foreclosure processing.

The eight servicers are Bank of America, Citibank, HSBC, JPMorgan Chase, MetLife Bank, PNC, U.S. Bank, and Wells Fargo. The two service providers are Lender Processing Services (LPS) and its subsidiaries DocX, LLC, and LPD Default Solutions, Inc.; and MERSCORP and its wholly owned subsidiary, Mortgage Electronic Registration Systems, Inc. (MERS). [//end copy/] more at links

File your complaint and list of crimes
Thought folks would be interested in this in light of recent rulings.
Good Luck! Betty



The problem is, America is NOT a Democracy - it is a Republic! As our Founding Fathers established, can we keep it?