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MATHEWS STREET, AMERICA
A voice of We The Posterity
Further
links to the right can be found underlined
Our family closed a valid proven loan for $850,000 in 2019 on a refinance amount of $690,000
for our family home in ongoing lawful possession and dwelling of 60 years continually since 1965
and delivered proof of funds in writing to attorneys for the mortgage servicer Nationstar.
Our reputable hard money loan agent requested bank wiring instructions to wire
MY UNCONDITIONAL OFFER OF FULL PAYOFF FUNDS,
ON THE FULLY APPROVED HARD MONEY LOAN AND OPEN ESCROW AT TITLE COMPANY
for a property assessed by the Lender $1.3 Mil. as is, and UNDER 55% LTV (loan-to-value) i
in a hot rental and seller's market location with written proof of two competing lenders' offers.
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"Where are we sending your money and what is the exact dollar amount demand for my lawful right to redeem our owner-occupied family home since 1965 and pay your claim in full ??
HERE IS MY UNCONDITIONAL OFFER ATTORNEYS: I AM REFINANCING YOUR LOAN WITH NO FURTHER DOCUMENTATION NOR PROOF OF CLAIM REQUESTED OF YOUR CLIENT, AND HAVE DELIVERED TO YOUR ATTORNEY WRITTEN PROOF OF FUNDS AT $150,000 OVER AND ABOVE WHAT I BELIEVE WE OWE
WHICH THEY'VE CONFIRMED BY EMAIL AS RECEIVED :
Thank you for cancelling the pending foreclosure sale,
per California Homeowners' Bill of Rights."
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"Homeowners Right of Redemption" is well-established law in all fifty states
redeems the home by full payoff refinance of the debt secured by the home.
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Market value of our owner-occupied 100 year old modest Berkeley home was $1.3 Million as is .
Written contract from attorneys they were "ready to accept payment in full" BREACHED
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ILLEGAL FORECLOSURE SALE PROCEEDED IN VIOLATION OF CIV 2924.11b2 & more.
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Armed sheriffs of my own County evicted us on July 23, 2024, executing on the
lawless unconstitutional order of an improper class of proceeding designed for tenants.
OUR HOME SITS EMPTY AND WE ARE LOCKED OUT OF OUR DWELLING
ALL WHILE ON APPEAL OF THE CASE WE FILED FOR WRONGFUL FORECLOSURE
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Wedgewood Inc, a huge fix n flip operation w/ subsidiaries Breckenridge and Champery
WERE WARNED WITH ACTUAL NOTICE AT THE SALE BY HOMEOWNER FOR 45 MINUTES
WEDGEWOOD et al UTTERLY FAIL LEGAL STANDING AS ANY "BONAFIDE PURCHASER"
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All we are requesting of our court as PLAINTIFF in our ACTIVE WRONGFUL FORECLOSURE SUIT
Alameda County Superior Court regular unlimited case, is for CONSTITUTIONAL TRIAL BY JURY
and not Summary Judgement on failed fraud-ridden papers only, due process denied, our only home title and and possession awarded by our own county courthouse, to the
NON bonafide purchaser, at the law-violating illegal sale, Actual-Noticed Wedgwood.
Who should be subject to sworn testimony, fact witnesses, admissible evidence at TRIAL.
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WEDGWOOD BID ON OUR HOME BUT THEY ALSO BOUGHT THEIR TICKET TO GET SUED.
SO STAND TRIAL & PROVE YOUR CLAIM WEDGEWOOD,
or admit yourselves ROGUE slanderers of my family's rightful title and possession.
MAXIM OF LAW: "No wrong should suffer for want of a remedy."
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Jesus Christ the LORD is commandeering a current controversy and its resolution
to the question of lawful possession by Rule of Law
to the inviolable asylum of our family home
of four generations and 60 years.
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The Ramos Yamagishi family comes in honor and in truth:
WE DO NOT CONSENT TO LEGALIZED PLUNDER.
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We the People do not consent to the widespread and lawless scourge
ransacked upon millions of American families
WHO ENDURE TRAUMATIC FRAUDCLOSURE AND GUNPOINT HOMELESSNESS.
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We the People are sick and tired of being abused, slandered and lied about,
deceived and then decimated out of our most basic house and home:
a theft of indecent inhumane violence against the Laws of Nature and of Nature's God,
when a true, lawful and logical remedy for all interested parties lies within reach and reason.
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Any person or entity who shows up at these nonjudicial private foreclosure auctions
with a cashier's check in hand and signatory powers just for that transaction
can and sometimes do move vast sums of money by cash-of-unknown-origins
now transformed into a lien on a California family's home and shelter,
no matter the level of fraudulent documents or procedures leading to the auctioneers cry.
That lien then is enforced for eviction in an unconstitutional process in California
known as Unlawful Detainer, designed to evict tenants on behalf of landlords:
Post-auction we California homeowners, therefore, are seen and heard in OUR OWN COURTROOMS AS THE EQUIVALENT LEGAL STATUS AS MERE TENANTS
who refuse to vacate the property owners' real estate.
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We the People do not consent to government who legalizes this plunder
or who may knowingly or unknowingly be complicit in giving aid and comfort
to this above-described enemy of We the People.​​​​
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Our elected and appointed officials have failed to defend and protect us.
Our courts have failed to effectuate justice
when Due Process is routinely denied before dispossession of property
No trial by jury of our peers, but instead by "summary judgement " on papers spouting untruths
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OUR OWN JUDICIARY ISSUES US HARM:
Rogue opinions and illogical procedures tragically trample Rule of Law.
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Our county sheriffs and law enforcement defer to these courts
whose orders are unconstitutional violations of oaths of office
where our appeals for a more well-reasoned judgement
fall on deaf ears and lead to dead-end hallways.
Even when we appeal a wrongful judgement to a higher court
and duly motion for protection by their own statutes
Our protectors are no more -- all three branches of local government abandon us
And instead give place to plunderers, against all Right and Reason.
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We therefore speak a Statement of Grievances
of deeply damaging violations wrought upon ourselves and our families,
our elders, our children, our sick and frail-- those without a voice and then without a home.
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Now that we have battled years against a many-headed Foreclosure Machine
We have been battered and badly bruised but we know the nature of this beast:
Which must trample people no more --- and Supreme Law of our Land instead prevail.
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We come in peace, honor, truth and lawful reason
for Reform, Restitution, Reconciliation, and Rehousing
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LITIGATION PENDING and Lis Pendens on record active May 2023
Alameda County Title Records - County Clerk Recorders' Office
WRONGFUL FORECLOSURE LAWSUIT
RENEE SHIZUE RAMOS (aka RENEE YAMAGISHI) vs. WILMINGTON TRUST, WEDGEWOOD INC., BRECKENRIDGE, CHAMPERY, NATIONSTAR MORTGAGE , AZTEC FORECLOSURE CORP.
& Does 1-100, et al.
Alameda County Superior Court Case # 23CV029813
Stay pending our proper timely-filed appeal was unjustifiably denied
Homeowner appealed summary judgement after court denial of trial on the merits, no sworn testimonies, no review of admissible evidence, no depositions nor meaningful discovery: APPEALED to California First District Court of Appeals Case #A170664
NOTICE: Any person or entity who attempts to show, sell, convey,
transfer, buy, purchase or take or claim any form of interest
in this property i.e. our family home for 60 years continually since 1965, shall force themselves added as additional Defendant(s) and Respondent(s) to the ongoing litigation and controversy at Law.
CA Dept of Real Estate has been notified: MLS listing is improper.
Case History and Legal Documents updating and under revision for upload
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October 4, 2022:
After YEARS of unwavering, publicly recorded (courts), provable OFFERS TO PAY THE OWNER OF MY MORTGAGE DEBT, this homeowner finally decided the courts would not enforce her right by law to have an audience with the PROVEN debt-owner, allowing instead 3rd party debt collectors to conduct a foreclosure auction and take her home for the audacity she insist she pay her actual "injured party owner of the debt and not an unproven agent" who repeatedly rejected her payments then never ceased actions to steal her home instead. Claiming to "collect for" an unknown maybe even non-existent owner and injured party, who apparently didn't want their payments either, favoring real property acquisition instead, just like their "agents" .... what a coincidence!
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SHE PAID THE "RANSOM" TO THESE AGENTS' ATTORNEYS - UNCONDITIONAL TENDER OF FULL PAYOFF, thus exercised her Right of Equitable Redemption PRIOR TO the auction.
THESE ENTITIES REJECTED HER MONEY AND OPENED BIDDING ON HER HOME, STRIPPED HER NAME OFF TITLE AND RELENTLESSLY TRIED TO EVICT HER.
SHE REMAINS IN POSSESSION THREE YEARS LATER AND COUNTING. On appeal.
Blog post continued: https://livinglies.me/2022/10/04/what-does-own-the-mortgage-mean/
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"Okay ... sooo, Mr. Rent-a-Bank, you agree you're
Trustee of the Trust that supposedly owns our
note and loan, but you know ZILCH about our note
and loan .... and this cluelessness is your shield from being sued for damages -- or so you hope. You have "no loan-level data" but no other type of data is relevant here. And as "trustee" you're utterly mystified about the Trust you supposedly serve as "trustee" for? What curious cluelessness! What unacceptable unaccountability Mr. Rent-a-Bank as Trustee, sir! Firmly unaware then, if any loan or note even exists, let alone if the Trust
or any of its beneficiaries own it. However you're SURE only
a 3rd party debt-collector and "servicer," the only entity on
earth with a shred of any "loan-level data" is perfectly qualified
to assert ALL attacks against note-maker!
You wear IGNORANCE as INNOCENCE.
Logic-fail. WHO'S INJURED HERE?"
"This looks like a case of too many law schools these past 40 years (?) leaving out of the curriculum American Law of Negotiable Instruments, UCC Articles 3 and 9... These notes are all negotiable instruments. A "declaration of default" on a note can only be decreed by a proven note-owner, but homeowners are made to admit they're "in default" just because they missed a payment. Even if the debt-collecting servicer instructed them to miss one or more payments to qualify for a loan modification! Younger judges even seem to have no idea about 'presentment' on the note."
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"Boss of the
Note?"
"MORTGAGE CRISIS in a NUTSHELL" (50 min)
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Posted April 2012 and still timely because the crisis is still very much afoot. Easy laymen's terms and promises to be an eye-opener. Thank you to attorneys John and Alicia Campbell and Eric Vieth. Note: it makes sense that these people are good at conveying and de-mysitifying this: John is also on the faculty of Sturm College of Law at the University of Denver; and we've seen time and again that law scholars who love logic and have more invested in Principle than in filthy lucre and a fallen injurious busiinss model -- would come through and reverse-engineer one of the greatest wealth and land grab heists of the century.
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What is "MERS?" Check out minute 32 for ten minutes on the colossal mess known as "Mortgage Electronic Registration System."
TWO FACES: DEMYSTIFYING THE MORTGAGE ELECTRONIC REGISTRATION SYSTEM’S LAND TITLE THEORY
CHRISTOPHER L. PETERSON* (2011)
ABSTRACT - "In the mid-1990s, mortgage bankers created Mortgage Electronic Registration Systems, Inc. (MERS) to escape the costs associated with recording mortgage transfers. To accomplish this, lenders per- manently list MERS as the mortgagee of record instead of themselves to avoid the expense of recording any subsequent transfers. MERS’s claim that it is both an agent of the lender and the mortgagee, and the huge gaps left in the public record, give rise to a range of legal issues. This Article addresses whether security agreements naming MERS as a mortgagee meet traditional conveyance requirements and discusses the rights of counties to recover unpaid recording fees. The author explores the challenges facing judges, legislators, county recorders, and investors who must resolve these issues to rebuild confidence in real property recording systems."
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* Associate Dean for Academic Affairs and Professor of Law, University of Utah, S.J. Quinney College of Law.
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" ... No one should have the legal right to take your home merely by winking and nodding their way around a significant flaw in the securitization model and whatever burrs it may leave on the industry’s saddle. …
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Is there anyone with a present contractual connection to you or the loan who has actually suffered a default? If not, any… foreclosure begins to bear an uncanny resemblance to double dipping.
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It is time for Judges to dust off the principle of fundamental fairness that lies at the heart of our legal system, demand a level playing field, and stand behind alternatives to foreclosure that serve the legitimate interests of homeowner and industry alike. ..."
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From Living Lies post: HERE>
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Full articleI 2015 by Maine lawyer Rockwell P. Ludden:
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"It's a Lie. Pure and Simple." 10/22/21 LivingLies.me, by Neil Garfield
Good Foreclosure Defense Gets Down to Basics: No Default
Posted on October 5, 2021
by Neil Garfield
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"All successful defenses to foreclosure attempts basically come down to one fact: When tested, the claim cannot be supported because it is untrue."
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SECURITIZATION CHANGED THE BARGAIN.
ONLY THE FINANCE SIDE GOT WHAT THEY WANTED.
.... The fundamental shift that occurred when investment banks entered the lending marketplace under false pretenses was that securities brokerage firms were entering that marketplace without any risk of loss and with every intent of making immediate “trading” profits that in many cases exceeded any amount paid to or on behalf of any homeowner.
This complete absence of risk is what accounts for the inflated appraisals and underwriting of transactions based upon the ability to sell securities instead of the ability to profit from the interest on loaning money.
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Who had a risk of loss?
.... Any investigation or research into securitization as it is currently practiced invariably and universally comes to the same conclusions every time. The only parties at risk are the homeowners and investors who loaned money to the investment banks under the false pretense of the sale of unregulated securities. Everyone else in the middle got paid in full. Most of the people and especially the investment banks got paid money that in some cases was hundreds of times the amount that they had previously been paid for introducing, brokering and underwriting transactions between the only two parties that had any financial stake.
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BASIC CONTRACT ELEMENTS WERE ABSENT
AND REMAIN BOTH ABSENT AND EXPLOITED
.... Pursuant to common law and statutory law in virtually all countries for more than 4 centuries, possibly back to the year 1215 (Magna Carta) all contacts require the following basic elements to be enforceable:
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Meeting of the minds as to the subject matter
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Reciprocal value paid by each in money or action
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No violation of any other laws prohibiting either the contract or the promises
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Execution of the contract by words and behavior.
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Incorporation of restrictions. duties and obligations contained in other statutes or authority.
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If in writing, a memorialization of all of the above.
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Those elements, each of them, have not been present in any transaction with any homeowner or consumer since the late 1990s. It isn’t a loan just because someone labels it as a loan. It must be a loan and there must be both a borrower AND a lender. ..."
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SCHOOL of LIFE
Tuition
Paid in Full
Paper: The Nexus of Fabricated Mortgage Loan Assignments and Unlawful Home Foreclosures
by James Campbell, Policy Studies, Univ. of WA
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(download available from Social Science Research Network)
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From the abstract: "Who has the legal right to foreclose on your home? More importantly, who doesn’t?
Unlawful foreclosures are not just financial crimes against
individuals and families. At the eviction stage, they are crimes perpetrated together with the threat of violence. Five years after the 2008 economic implosion, it is clear to anyone with a shred of sensibility that many financial regulators have become Wall Street commodities to be bought and sold. If that were not the case, by now there would have been hundreds, if not thousands of arrests, convictions and imprisonments; just as there were in the aftermath of the Savings and Loan debacle in the early1990’s.
Twenty years hence, our leaders are benign at best and complicit at worst. This is a legal issue that has haunted the foreclosure crisis since it began in 2008. During the 1990s, U.S banking interests launched an all-out campaign to repeal many of the federal banking regulations which were enacted by Congress in the aftermath of the stock market crash of 1929. Bit by bit, those regulations were stripped away until finally, in 1999, Congress repealed what was arguably the single most important financial regulation born out of that financial crisis: The Glass-Steagall Act. This deregulation allowed the rapid return to the same casino-like behavior that characterized the financial industry in the 1920s.
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Although many foreclosures are legitimate, a large percentage of them which were started since 2008 involved fake or forged documentation, the most egregious of which are recorded mortgage assignments involving private label securitized
trusts created between 2004 and early 2007. In 2013,
such unlawful foreclosures continue to occur daily,
on a massive scale, in every State of the Union. ..."
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Bank of America Corporation partners since 2008: MERS, Wilshire, Merrill Lynch, Countrywide, M&T Bank, Wilmington Trust, Nationstar
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HARVARD SCHOOL OF LAW, PROFESSOR:
commit the tort of wrongful foreclosure"
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In 2014 there was never an Assignment of deed-of-trust recorded to the below "beneficiary" until 2018 after four docs were rescinded & filed anew to finally name the below 2014 entity in a "corrective" Assignment amending the 2009 record as stated, nine years later.
But in so doing, their careful "legal corrective" to amend Assignee name also sneakily (and fatally) altered the name of the original Assignor who should have remained the original "lender," who didn't exist in 2009 let alone in 2018. Maybe I wouldn't notice. Four prior records were officially "rescinded" and four new records filed, finally consistent with this "corrective" Assignment...
Yet if it's recitals were true in 2009 as purported, it then created a fatal fork, retroactively, with both the 2012 and 2013 Assignments, making BofA into felony filers (?) while leaving a gaping admission that the same entities had been relentlessly threatening foreclosure on our home for over five YEARS on a defective Assignment to "Nationstar" who denied the charge the entire time, but then revealed utter confusion as to who it was supposedly collecting for... i.e., the "injured party." Luckily this 2018 "corrective assignment" cured their confusion. ....
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Oh, spoke too soon: See below their 2018 Notice of Trustee Sale names NOT this new Assignee they went to much trouble to "legally correct." Nope: the original secretly-obliterated 2009 Assignor "AEGIS the non-existent" is yet again raised from the dead since they went bankrupt in 2007, and here featured prominently as the named "beneficiary" on the operative 2018 Notice of Trustee Sale, allegedly the one who authorized the auction they completed on our house in 2019. Perfect.
"Standard Terminology for Expressing Conclusions of Forensic Document Examiners"
Yet God has kept us in
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Meet & Confer phone 430.41.
See 1/30/2019 blog post CA Homeowners Bill of Rights
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All three above variations penned by Nationstar to formal complaint to Consumer Financial Pro-tection Bureau (CFPB) differ between their own 3 responses AND with attorney-named "injured party" during 2017 suit.
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"Aegis" is named as "beneficiary" in both Notices of Trustee Sale in 2016 and 2018 but Aegis ceased to exist in 2007, by bankruptcy in public record. And "MERS" Mortgage Electronic Registration Systems never owns any loans or notes, and in deposition has admitted as much. MERS also never initiates or authorizes any foreclosures.
DEPOSITION OF William Hultman, MERSCORP HERE> and e-book >>>
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