The American Dream? (version three)

A DISSEMINATION OF ACTUAL FACTS AND TRUTHS TO THE LARGEST FRAUD AND CRIMINAL CONSPIRACY IN HISTORY

In October 2001 it began, spurred on by the Office of Comptroller of Currency, whom I hold expressly responsible, for deregulation and preemptive policies that gave to a blank check to US Bank and the entire banking industry, to commit wanton and unlawful acts of extortion, embezzlement, wire and mail fraud, and personal threats with complete and total impunity. To this day, it greatly angers me, how it is that than President of US Bank’s Consumer Lending Division, Charles O. Moore, got away with personal threats against my person, how it is that these were made not only against me, but also through my, now dearly departed mother, still greatly angers me. How US Bank got away with intentionally destroying our credit, how homeowners insurance was canceled by US Bank’s breach of contract, how US Bank came after us to financially and economically to destroy us while the OCC, Oregon AG, and every single state and Federal agency spit it in our eye and turned their backs, is beyond reprehensible.
That was just the beginning, under duress and threat by US Bank, with our finances and credit destroyed, in a system that could give a damn about Constitutional, common law, moral and natural law, the nightmare moved on to William David Dallas and Ownit Mortgage Solutions. They were a solution, alright: to line their own pockets and the pockets of Merrill Lynch and Bank of America, with our stolen assets and properties.
From inception I was ignorant, incompetent and lack capacity to function in a society in which transparency is a commodity afforded only by those knowing of the truth, whose ‘trade secret’ is the intentional and active concealing of that truth from 99% of the consuming public.
Due to over 10 years of self-education and RESEARCH, I am no longer incompetent and can say I am sophisticated in the knowledge and understanding of the NOT in ordinary course trade practices. This being, what was intentionally concealed from me by unlawful acts of criminals whom I make demand be held to account.
Through and by the deceptive practices of Fannie Mae and Freddie Mac with regards to the Fannie/Freddie Standard Uniform Instrument and attached riders, my identity, personality, signature, and name was stolen by a hidden and concealed agreement blows the walls, ceiling and floor of the 4-corners. This in an agreement that was created by Presidential mandate to have NO hidden terms and conditions, yet the inclusion of MERS to standard form entirely violates Presidential mandate upon which this standard form was created.
As such, I declare the entire contract null and void and demand government actions be taken to restore my honor with reversion of all properties, proceeds, and insurances embezzled and extorted from me, neatly tucked away and hidden in ludicrous and ridiculous ‘Science and Technology’ Christian Science Practitioner and other IRS tax shelters.
Through and by, intentional misrepresentation of MERS and by intentional omission that MERS is really MERS®, a United States Registered Trademark, I was denied what the Lanham Act was established to protect consumers. This being to source the goods and products that I purchase. Do not dare anyone come back with comments that is poor due diligence on my part, for here it is 2017, 12 years after the execution of the fraudulent contract with Ownit, and I am one of the very few, if not only person out of over 100 million to have discovered and unraveled what is truly the largest fraud in the history fraud in the civilized world.
For under the MERS® United States Registered Trademark/Service Mark, that which I was denied my right to source, is a credit/security agreement between Mortgage Electronic Registration Systems, Inc. (MERS) and Nationsbank (Bank of America). This is an agreement of involuntary servitude that I was incorporated into by mere reference without a single utterance of disclosure or representation.
Through this privately and intentionally concealed agreement, my identity, my name, my signature, my trade name, my common law protected copyright and trademark, which is all my PRIVATE personal and intellectual property of substantial and considerable value (UCC 9) was stolen, trespassed and infringed upon.
As a result, my private has been dragged into the private hands of MERS and its criminal successors in assign and made grantor and collateral guarantor in innumerable numbers of patented financial schemes for massive profits, proceeds, and insurances of every sort and kind concealed and hidden away in separately managed accounts and trusts. Prima facie evidence of this is the attached MERS/NB agreement.
We were sold to MOM – MERS on Mortgage, which is Merrill Lynch, more specifically the global wealthy clients of Merrill Lynch and taken to separately accounts and trusts through and by ML’s estate stealing patents (see attached), all of which are neatly wrapped around and hidden in IRS tax sheltering schemes.
We have been made prostitutes in trade through and by the undisclosed processes, patents, and undisclosed agreements under trademarked goods, and pimped out the world over by Ownit Mortgage/Merrill Lynch/Bank of America/Wells Fargo/JP Morgan Chase/Washington Mutual/Bear Stearns/Lehman Brothers/Goldman Sachs/Federal Home Loan Bank/Federal Reserve/Morgan Stanley/Deutsche Bank/Litton Loan/Ocwen/Avelo Mortgage/Archon Group/Radian Group/First American Title/Corelogic/Northwest Trustees/UBS/Credit Suisse/Barclays/C-Bass/Fannie Mae/Freddie Mac/Lawyers Title/Commonwealth Equity Services/ Commonwealth anything and everything actually/Fidelity/Ticor Title/ISO/ANSI/Mindbox/Brightware/Inference Corporation/Level 5 Communications/MDA Corporation/Security Pacific Home Loan/HSBC – which includes all subsidiaries and affiliated companies, LLC’s, LLP’s., PLC, LTD and others in just this partial list that if continued would fill another full page.
So while my private personal and intellectual property of substantial and considerable value is padding the accounts and trusts of the criminals who stole it, on the public side I am being defamed of character and targeted for financial and economic destruction.
This is handled by the patent attorneys Hunton-Williams and similar others whose patented processes have entirely fixed the system through and by fabrication, forgery, and kickbacks, presented to the public with the smile and glean as ‘ordinary course’ foreclosure on an ‘ordinary course’ mortgage loan transaction.
The patent attorneys, knowing full well they are violating the Constitutional rights of an entire society, that at minimum are equal protection, due process and First Amendment, send in foreclosure mill attorneys to carry out the dirty work with fraud on the court and wrongful foreclosure actions that have not basis whatsoever in truth and fact. The only basis being in fraud, that is to say the ‘ordinary course’ fabrication.
Let’s talk about the Ownit alleged mortgage loan transaction, because I want no confusion nor do I wish the IRS or anyone dodge around the facts and truths, to which I can and will deliver the equivalent of a U-Haul filled with documented evidence to all alleged herein. As stated above, I am well acquainted and competent to the fraudulent and deceptive practices that have rendered myself and family dire financial and economic harms, and I will be heard.
Ownits’ did not sell its loan originations to Merrill Lynch, because there were no mortgage loans as evidenced by Ownits’ bankruptcy. On motion by William Dallas, the court granted the destruction of 3 offices filled floor to ceiling with documents on claims all were unapproved loans. In other BK court documents and schedules, Ownits’ alleged UCC3 negotiable instrument loan originations were ‘held for sale’ meaning there was never a mortgage loan and Ownit was not a mortgage lender.
The Ownit business model as an originator and lender to consumers of residential mortgage loans was a staged deception, and ideal cover to concealing a sophisticated transaction and investment schemes in which unknowing and uninformed consumers are lender, investor, and creditor, but by deceptive practices made to believe they are a debtor.
Ownit’s business model was founded on sophisticated processes and procedures entirely unknown to consumers conditioned by decades of ordinary course paradigm. Given concealment and misrepresentations, I lacked the capacity and competence agreeing to a transaction founded on public and consumer unknowns, which was well suited to the unlawful schemes and model of Ownit/ML.
Ownit was a ‘peddler’ of ‘fixed to fail’ automated Trademarked financial goods, best summarized by comments written by Trademark Review Attorney in a final refusal to register Ownit’s application of ‘RightLoan’ for US Trademark Registration.
‘Applicant also argues that the purchasers of its services are sophisticated, making confusion less
likely. However, the recited services of the respective parties are not limited to professionals with
extensive experience in the trade, but are stated broadly, and would include services offered to
ordinary purchasers, who may obtain mortgages only a small number of times in their lifetimes.
It may be presumptuous to believe that these purchasers are sophisticated or experienced in
these matters, and indeed they may not be. Even assuming arguendo that they are sophisticated or
knowledgeable in applicant’s field, this does not necessarily mean that they are sophisticated or
knowledgeable in the field of trademarks or immune from source confusion. See In re Decombe, 9
USPQ2d 1812 (TTAB 1988); In re Pellerin Milnor Corp., 221 USPQ 558 (TTAB 1983); TMEP
§1207.01(d)(vii).’
If this were an ordinary course mortgage loan refinancing and the Fannie/Freddie Standard Uniform Instrument were a UCC3 negotiable instrument, Ownit would have relinquished all rights, title, and interest with the sale of the alleged loan to Merrill Lynch with a bill of sale, endorsements, documented to county record.
Ownit took our legally owned asset of $425,000 to Merrill Lynch where it was capitalized for greater than full amortized value in excess off $1.5 million, the proceeds of which were taken off books under Merrill Lynch’s wealthy private clients separately managed accounts. Not once, not twice, but dozens of times over, prostituting us out as grantors in patented fabricated and forged financial wealth, estate and bonding schemes. Of course all, molded around IRS tax sheltering, so all credits, exemptions, and benefits are taken by the criminals who engineered these schemes.
I believe this is referred to as capitation with the intentional failure to derecognize the asset, given all proceeds were taken to the private, thereby leaving a $425,000 debt receivable. What was misrepresented as a mortgage loan in homeownership, is actually a UCC2A leaseback back to us going to a future repurchase of principle. From the accounting standpoint, the transaction is an initial commercial construction contract that anticipates a future completion, FINRA FAS 140-3, requiring same book accounting. Just another in an exhaustive list of unlawful practices the IRS through tax shelters gives protection.
It further is a transaction founded on UCC9 conversion and trading of stolen, trespassed and infringed upon identity, signature and name, an investment transaction of intellectual and personal properties, which lawfully, morally, and rightfully is for my benefit, as it is my private property, and no one else’s’. Any and all distinctions to ordinary course and UCC3 negotiable instruments are fabrications and fraud on the marketplace serving to unjust enrichment that moves to the theft of real property by wrongful act, which all goes to the endgame that is the forced abandonment of estate, behind the disguise of a foreclosure.
It was by no accident that shortly after our alleged loan origination underwritten with standards of full documentation and verification, Ownit and its equity partners Bank of America and CIVC Partners with newfound equity partner Merrill Lynch, suddenly abandoned all lending standards around September 2005. It was by no accident that Ownit practically handed out mortgage loans to persons on stated income with no money down, many who never would have qualified were Ownit not to have abandoned lending standards.
It was by no accident that Merrill Lynch ordered all its warehouse lenders to follow the same abandoned lending standards. It was by no accident there was a sharp rise in defaults attributable to these stated income no-docs early payment default. It is by no accident that 1.5 years after Ownit abandoned standards was forced into bankruptcy by its own equity partner, Merrill Lynch, expressly due to a sharp rise in defaults directly caused by Ownit/ML abandoned standard policy. It is not by accident that Merrill Lynch forced all its warehouse lenders forced to adopt ML abandoned lending standards into bankruptcy. It was by no accident because it was the intentional business model of Merrill Lynch and Ownit to originate loans to fail with bankruptcy as the exit strategy.
It was by no accident that the entire economy crashed, that was a planned and patented event. Treasury fell for it and bailed out the banks abandoning the real and true secured parties, investors, and beneficiaries, leaving us to the unlawful devises of criminals, pirates, thieves, who are neatly docked in safe harbor and IRS tax sheltering schemes.
We demand William David Dallas be criminally investigated and held to account for the unlawful procurement of human cattle, who were lured and gathered into giving issuance to a registered land asset, disguised by misrepresentation of an ‘ordinary course’ mortgage loan transaction. The sponsors and participants that allowed this happen were the most trusted of entities and figureheads of the American housing market: Fannie Mae and Freddie Mac.
Fannie and Freddie emulated the American Dream with images 4th of July parades, grandmas apple pie, land of the free home of the brave, pursuit of happiness to achieving the dream of homeownership. Facts and truths on the table though, Fannie and Freddie betrayed all trust, and nothing but thieves and criminals who knowingly and willingly sold away the freedoms of over 400 million into a life of involuntary servitude.

The Fannie Mae and Freddie Mac Standard Uniform Instrument is supposed to be the standard form mortgage loan contract created by Presidential Mandate of Richard M. Nixon with strict guidelines conforming to a four-corner agreement. All terms and conditions were to be clearly expressed within the four corners, absent any and all hidden terms and conditions, thereby guaranteeing the protection of consumers from unscrupulous lenders. Standard forms were written in conjunction to a set of Uniform codes and statutes with all rights and responsibilities clearly spelled out and enforceable to the four corner rule.
Fannie Mae and Freddie Mac, are sponsors and parties to deceptive trade practices by exercising sophisticated processes and procedures that are not ordinary course without any truthful or factual representation or disclosure, rather participating with intentional misrepresentations of ‘ordinary course’, with the full understanding and knowledge such actions violate the Dosts’ Constitutional equal protections, due process, and First Amendment.
Fannie Mae and Freddie Mac breached consumer confidence, trust, good faith and fair dealing, and contract, as the Dosts’ came to learn and have known for several years, by the obliteration of the four-corner ruling through and by intentional misrepresentations on the one hand, and certain intentional omissions on the other, specific to Mortgage Electronic Registration Systems, Inc. (MERS).
William David Dallas/Ownit and its partners Merrill Lynch and Bank of America failed to perform the alleged UCC3 negotiable instrument, Fannie/Freddie Standard Uniform Instrument (Deed of Trust and attached riders), breach of trust, breach of good faith and fair dealing, breach of goodwill, and breach of contract and “paper document’ agreement by conversion to an electronic SMARTDOC fractionalized to automated electronic business objects. More disturbing was the lifting of our signatures with conversion to electronic crypto digital PKI private/public key signatures, as more fully stated sections below.
Conversion under e-Sign is particularly disturbing considering we insisted from day to Ownit and the closing agent, Ticor Title, that we would not accept electronic documents or signatures, agreeing only to paper documents and blue-ink handwritten signatures. The reason the closing documents are dated May 10, 2005, but signed and dated May 12, 2005 is because we walked of the closing on May 10, 2005, the result of Ticor Title’s trying to strong-arm us into accepting electronic documents and e-Sign. We came back 2 days later once our demand for paper documents was fulfilled.
Now we come to discover the IRS is supporting the thieves, pirates, and trespassers upon our property, whom the IRS refers to as ‘practitioners’ and those who make pledge to e-file under e-Sign. How convenient is that ‘practitioners’ – Ownit, Litton, Ocwen, Deutsche Bank, and a plethora of others, neatly fit into IRS tax shelters as Christian Science PRACTITIONERS and other shelters. It is beyond reprehensible, that all this lay concealed and hidden from not only the general public, but to the real and true Principal secured party, Master Account Holders, Holder-in-due course, and beneficiaries.
By all appearance, supported by documented evidence that could fill a U-Haul, the IRS is an accommodating party to the largest fraud this world has ever seen. Excuse me, not yet seen, as it is all mired and intentionally concealed behind the ‘ordinary course’ public deception/fabrication, in other words behind a wall of active and ongoing fraud.

Any donations to keep this cause Going would be greatly appreciated as we wind these things up and to completion by wire or PayPal. Please and thank you … FB message me.

Continue reading “The American Dream? (version three)”

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The American Dream? (version two)

or stated another manner. It does not matter if is was Ownit, Or Option One, Greentree, or whomever else …it is all premised on public fabrication and deception

Ordinary course was substantiated by industry standard closing documents and UCC3 negotiable instrument of Fannie Mae and Freddie Mac. The Fannie/Freddie Standard Uniform Instrument was created by Presidential mandate of Richard m Nixon and designed to a strict and specific set of guidelines, backed by the integrity of Fannie and Freddie as the staple of the US housing sector.
In accordance to mandate, all terms and conditions are clearly spelled out within the 4-corners, prohibiting any and all terms or conditions outside the 4-corners, including rules of default and foreclosure. Uniform codes and statutes ensure lender and borrower fair play to matters of default and foreclosure, with no defense on contract as it was deemed and accepted as 4-corner.
In 1998, Fannie and Freddie quietly slips Mortgage Electronic Registration Systems (MERS) into the Fannie/Freddie Standard Uniform Instrument omitting however, material representations to conceal a hidden agreement that shatters the 4-corners in violation of mandate. Someone made the conscious decision to omit any and all representation and disclosure that MERS® is a US registered Trade/Service Mark that would have revealed the MERS/Nationsbank Credit/Security agreement.
The benchmark that set into play the largest fraud in history expressly rests on the omission of a trademark symbol ®, through the blatant violation of mandate in a document hailed, regarded, and given without question 4-corner immunity. In the simplest of terms, Fannie Mae and Freddie Mac perpetrated a fraud upon the public, in breach of public trust and policy.
What were the ramifications of the intentional misrepresentation of Mortgage Electronic Registration Systems, Inc. (MERS) with and by the omission of a simple mark – “®” – correctly stated and represented -MERS®.
For starters, a transaction purported as ordinary course has just been recharacterized to one that is NOT in the ordinary course, rather a transaction in Trademark which falls under a separate body of law outside and far removed from real property law. Absent full disclosure and representations makes this a transaction entirely beyond the scope of the consuming public, which by design, was omitted and carried by another deception, by design, with reliance on intentional misrepresentation to ordinary course.
It is like a double hocus pocus magic trick: selling a sophisticated transaction to an unsophisticated consumer, on fabricated representations of a transaction familiar, intentionally keeping the consumer ignorant and unknowing of the actual transaction by nondisclosure and intentional misrepresentation of a transaction familiar but in fact in truth does not even resemble anything to which the consumer would or could be familiar, absent full disclosure and representations.
And so it began.
A new method was ushered in around the turn of the new century called ‘securitization’, which the public was told, made it easier for more to qualify and achieve the American Dream of home ownership. As represented, securitization was the gathering of mortgage loans into pools which were then sold to Wall Street banks who placed the pools into ‘special purpose vehicles’ from which certificates were sold to investors. Other than this, it was the same ordinary course paradigm that had existed for decades.
Ordinary course, being a UCC3 negotiable instrument, executed by way of the standard form Fannie/Freddie Standard Uniform Instrument. Following ordinary course, the sale of a closed negotiable instrument from originator to another is by a bill of sale and endorsement of the Deed of Trust, along with which passes all right, title and interest of the originator (seller) to the buyer. Further to ordinary course, the entire sales transaction is documented and recorded in county record that establishes what is known as a chain of title.
Apparently, the keeping of proper assignments and chains of title had become an industry-wide problem, to which Fannie and Freddie found solution: enter Mortgage Electronic Registration Systems, Inc. (MERS). No public fanfare was given to Fannie and Freddie’s adding MERS to the Fannie/Freddie Standard Uniform Instrument in 1998, or thereabouts. As a matter of fact, of the thousands of borrowers I have spoken with over the years, not a single one ever heard so much of an utterance of MERS, seeing it for the first time at the closing room table.
I vividly recall questioning the closing agent, what is this MERS, receiving back a nonchalant response that was entirely plausible and believable. This being, that MERS is just a utility function of Fannie and Freddie to clean up the mess of chains of title and better keep track. It is Fannie and Freddie, the staple of integrity, what is there to question.
MERS laid docile and dormant, but emerged out of the smoke and ash of the economic collapse, yielding its ugly head, taking down and destroying millions of lives ever since. The absence of a definitive chain of title and dates of assignments to alleged trusts years after the closing date, should be an excellent good defense, but one the courts are not in the least impressed or moved with.
Given the courts 4-corner ruling policy given Fannie/Freddie standard forms and strict adherence to code, there is no defense for borrowers in default. If you cannot pay your mortgage, you should be thrown out. What message would the court be sending if it were to give favorable rule on missing assignment and chains of title defense resulting in what would appear to the public as a ‘free house’ on administrative errors. If I was a homeowner paying my monthly mortgage and not in default, it would thoroughly piss me off, were the court to award a free house to a deadbeat in default.
The power of all things being equal in ordinary course, except for the fact that ordinary course is a grand illusion, a fabrication and public deception. A fraud of immense magnitude that is brilliantly staged, truly it is, structured in a manner to give all appearance of good public policy.

The United States of the OCC renders reasonable and responsible natural persons impotent from conducting competent personal due diligence to avoid the traps of fraud. No amount of due diligence can protect oneself given the unconscionable and unconstitutional acts of government that gives all shield to the unlawful and egregious acts of banking. This is not Freedom of Contract, it is fraud and deception, that than leads to undue influence and duress resulting in forced servitude. For the OCC’s part, I allege treason.

On the actual facts and truths, on principles of common, natural and God’s Law, with complete disregard to unlawful and fixed codes and statutes, with competence, capacity, and knowledge as best understand, herein state the following:

William David Dallas’ formed Ownit Mortgage Solutions on automated business methods and processes that was a complete departure from ordinary course origination and underwriting practices and the paradigm familiar to society and the consuming public. Ownit was not automated with off the shelf software rather by custom engineering and sophisticated processes programmed on rules based artificial intelligence (AI) as the basis – the technology of Mindbox®.

Mindbox® along with its sister, Brightware®, are the subsidiary entities of parent, Inference Corporation, the patent owning entity of rules and cased based artificial intelligence upon which it subsidiary products are based.

Mindbox® is a custom programming entity that acts as a consultant, retained as such to design the underwriting platform for Ownit. Dallas though went one step further though and bought Mindbox® away from its previous funding entity.

Dallas brought efficiency to the mortgage industry and eliminated the nagging issue of broker fraud. BrokerCheck® and FraudGuard®, products developed under Dallas’ owned Sysdome® (Interthinx) have gone on and become the staple products used by Finra and National Mortgage Licensing Service (NLMS).

By all appearance, taking the human element out the originating and underwriting process, replaced by automated loan origination and underwriting with fraud check protections is a good business model. The inefficiencies and time inconsistencies suffered by consumers was replaced by speed and rapid loan approval, which is good for consumers and the market. With all these sophisticated systems and processes in place, how is it than that the Ownit business model failed, and failed miserably. So bad in fact that Ownit is on record as one of the worst lenders having one of the highest early payment default rates over a span of about 18 months, and that which forced Ownit into bankruptcy in December 2006.

We have suffered irreparable financial and economic harms, not to mention public defamation of character and humiliation of a fraudulent and wrongful foreclosure. This is because Treasury and federal authorities threw us under the bus to give relief to banking, turning the borrowers out as deadbeats, liars, and cheats. Nobody has asked the question and dammit it needs to be asked, investigated, and prosecuted. How is that all of Ownit’s technologies boasted as having the capability to identify and flag mortgage fraud in the application/origination stage fail to catch and flag prospective borrower inflated incomes.

Beginning around September, William D Dallas Director of Ownit/Mike Blum of Merrill Lynch/Bank of America/CIVC Partners/Murrayhill Credit Partners, all the principal equity partners of the entity Ownit Mortgage Solutions, made the conscious decision and with intent and knowledge lowered borrower qualifying standards below recommended subprime levels; with intent and knowledge abandoned all its standards of origination and underwriting; with intent and knowledge dropped standard 20% down payment requirements to no down payment; and with intent and knowledge handed out loans to anyone capable of placing an income amount, any amount, to a signed loan application; with and upon all of the aforementioned, the partners of Ownit collectively spit on professional, moral, and personal integrity, took to a strategy to increase originations are a rapid and accelerated rate.

Merrill Lynch, Ownit’s own partner, forced it into bankruptcy.
Merrill Lynch forced MLM into bankruptcy caused by abandoned standards that ML had ordered.
Merrill Lynch forced ResMae into bankruptcy caused by abandoned standards that ML had ordered.
Merrill Lynch forced People’s Choice into bankruptcy caused by abandoned standards that ML had ordered.
Ownit breached trust and failed on specific performance of contract which has taken many years to show, demonstrate and prove. We took the hit caused by Ownits’ actions causing the economic collapse with allegations of default leading to summary judgement on a wrongful and fraudulent foreclosure action by HSBC.
Kenneth Dost lost his 25 year career in the field of Architecture expressly caused by

William David Dallas, Ownit, Merrill Lynch, Bank of America, Litton Loan, Ocwen, JP Morgan Chase, HSBC, Wells Fargo, Deutsche Bank, Goldman Sachs and a number of other entities that is exhaustively long, including however, the OCC and other government departments, agencies, and entities;

As stated, Ownit Mortgage Solutions was not a mortgage lender, rather Ownit’s broker network procured our (consumers’) participation as pledger and provider of collateral as the investor, converted to objects as the grantors in sophisticated schemes of trade. A falsely represented mortgage loan, in fact was an investment and partnership in the trademarked financial goods and services of Ownit, all risk of loss placed upon us – legal, financial, and economic.

The true nature of the transaction is substantiated by statements made by a trademark review attorney in a 2006 final refusal of trademark registration of an Ownit product entitled the ‘Rightloan’, which states:

‘Applicant also argues that the purchasers of its services are sophisticated, making confusion less likely. However, the recited services of the respective parties are not limited to professionals with extensive experience in the trade, but are stated broadly, and would include services offered to ordinary purchasers, who may obtain mortgages only a small number of times in their lifetimes. It may be presumptuous to believe that these purchasers are sophisticated or experienced in these matters, and indeed they may not be. Even assuming arguendo that they are sophisticated or knowledgeable in applicant’s field, this does not necessarily mean that they are sophisticated or
knowledgeable in the field of trademarks or immune from source confusion. See In re Decombe, 9 USPQ2d 1812 (TTAB 1988); In re Pellerin Milnor Corp., 221 USPQ 558 (TTAB 1983); TMEP §1207.01(d)(vii).’

Facts be known, the “Rightloan” and derivative form “Right Loan” was being used in commerce with trademark pending and the product used in our origination in May of 2005, absent however, of any and all disclosure or representation. This is substantiated in the SEC Prospectus Supplement of OWNIT MORTGAGE LOAN TRUST MORTGAGE LOAN ASSET–BACKED CERTIFICATES, SERIES 2005-4, as alleged by a purported assignment by MERS/Litton to HSBC as Trustee in June 2008.
The following is a general summary of the Ownit underwriting guidelines. This summary does not purport to be a complete description of the underwriting standards of Ownit. Ownit Mortgage Solutions, Inc. (headquartered in Agoura Hills, California) is a wholesale consumer finance company that originates non-conforming mortgage loans. Ownit is the originator of the “Right Loan”, a proprietary loan product that focuses on purchase, owner occupied, full documentation loans. The Company provides loans to borrowers not only for the purpose of purchasing homes, but also for debt consolidation and refinancing existing mortgage in accordance with the Right Loan Underwriting Guidelines. Ownit risk-base prices each loan by combining the credit score and loan-to-value price to price the loan. Ownit’s objective is to be reliable and responsive in addition to being consistent in meeting the needs of a non-conforming market.

To analyze the above stated representations for truthful and accurate correctness, beginning with statements representing of the “RightLoan” specifically in reference to full documentation. As stated in the attached XXXXXXXXXXXXXXXXXXX we were made to jump through hoops having to provide all sorts of documents which were subsequently verified with a request we provide more. To reiterate points stated in the attached, refinancing was not by choice nor desire, but taken under duress created by the unlawful and egregious acts by US Bank with impunity. (All thanks to OCC deregulation and preemption).

As stated elsewhere herein, Ownit/Merrill Lynch willfully abandoned all lending underwriting, qualifying and down payment standards beginning September 2005, many resulting in early payment default leading to Ownit’s filing for bankruptcy protection in December 2006. All representations being true and correct, Ownit’s abandoned standards should be reflected in SEC filings.

OWNIT MORTGAGE LOAN ASSET–BACKED CERTIFICATES, SERIES 2005-5 filed 12/23/2005
OWNIT MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-1 filed 01/30/2006
OWNIT MORTGAGE LOAN ASSET–BACKED CERTIFICATES, SERIES 2006-2 filed 03/09/2006
OWNIT MORTGAGE LOAN ASSET–BACKED CERTIFICATES, SERIES 2006-3 filed 04/13/2006
OWNIT MORTGAGE LOAN ASSET–BACKED CERTIFICATES, SERIES 2006-4 filed 06/26/2006
OWNIT MORTGAGE LOAN ASSET–BACKED CERTIFICATES, SERIES 2006-5 filed 07/26/2006
FWP:
OWNIT MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-6 filed 09/13/2006
OWNIT MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-6 filed 09/14/2006
OWNIT MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-6 filed 09/15/2006
PROSPECTUS:
OWNIT MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-6 filed 09/22/2006
FWP:
OWNIT MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-7 filed 10/30/2006
PROSPECTUS
OWNIT MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2006-6 filed 11/02/2006

In every single filing of the above, the representations of Ownit’s Rightloan underwriting criteria makes no admission of abandoned lending standards, all stating full documentation loans, as all stating the following:

The following is a general summary of the Ownit underwriting guidelines (the “Underwriting Guidelines”). This summary does not purport to be a complete description of the underwriting standards of Ownit. Ownit Mortgage Solutions, Inc. (headquartered in Agoura Hills, California) is a wholesale consumer finance company that originates non-conforming mortgage loans. Ownit is the originator of the “RightLoan”, a proprietary loan product that focuses on purchase, owner occupied, full documentation loans. The Company provides loans to borrowers not only for the purpose of purchasing homes, but also for debt consolidation and refinancing existing mortgages in accordance with the RightLoan Underwriting Guidelines. Ownit risk-base prices each loan by combining the credit score and loan-to-value price to price the loan. Ownit’s objective is to be reliable and responsive in addition to being consistent in meeting the needs of a non-conforming market.

On facts above, that is the failure to disclosure abandoned lending standards with ‘full documentation’ misrepresentations, but with the assumption all representations of a mortgage loan are true and correct. As such, this presumes the Ownit 3/27 ARM were an actual mortgage loan refinancing, as represented. Ownit/ML abandoning lending standards failed in specific performance in regards to the 3 year option, thus breach of contract and fiduciary duty, breach of trust, and breach of good faith and fair dealing, Ownit’s bankruptcy resulting in irreparable financial and economic harms. This was compounded by the economic collapse and made worse by associative stereotype to the no-doc stated income borrowers with the defamation of character as deadbeats, liars, and cheats.

Ownit Mortgage Solutions, Inc. is a California corporation whose address is 27349 Agoura Road, Suite 100, Agoura Hills, California 91301. The following is a general summary of the Ownit underwriting guidelines. This summary does not purport to be a complete description of the underwriting standards of Ownit. Ownit (headquartered in Agoura Hills, California) is a wholesale consumer finance company that originates non-conforming mortgage loans. Ownit has been engaged in the business of originating non-conforming mortgage loans since 1994.
Ownit is the originator of the “RightLoan”, a proprietary loan product that focuses on purchase, owner occupied, full documentation loans. Ownit provides loans to borrowers not only for the purpose of purchasing homes, but also for debt consolidation and refinancing existing mortgages in accordance with the RightLoan Underwriting Guidelines. Ownit risk-base prices each loan by combining the credit score and loan-to-value price to price the loan.

The American Dream? (version one)

It has taken me a number of years, first to come into knowledge of unlawful and fraudulent acts; second to come to the realization judicial justice is not possible because 1) of a court whose moniker of justice is a false facade, acting instead, in fact and truth, as administratively in admiralty and 2) a ‘court’ corrupted by BAR attorney fixed codes and statutes, patented processes, payoffs, kickbacks, awards, pensions and annuities, made to uniformed officers which includes, county and state elected officials and officers judges, sheriffs’ department, BAR attorneys, employees of Health and Human Services Department, employees of the National Oceanic and Atmospheric Association, doctors, and dentists of all professions, along with others under the false and fabricated belief persons in default are ‘deadbeats, liars, incompetent, whether mentally or financially or both, thereby taking of my inheritance to a credit union, stocks, dividends, trusts, and living annuities, that are lawfully and rightfully belonging to me; third, to come into the sophisticated knowledge and understanding of trade practices, processes, and procedures, that were intentionally concealed, that by malicious intent, was withheld from me leading up to and with the execution of a transaction, circa May 2005, made by a collusion of superior parties who used publicly conveyed trust and integrity to gain reliance to the execution of a standard form agreement, believed to be in compliance with presidential mandate as a 4 corner agreement, absent any and all hidden or concealed terms and conditions outside of said mandated 4 corners, thereby taking reliance on representations by believed to be trusted parties, who instead acted in collusion with other parties, exerting their superior power disguised by ordinary course mortgage loan refinancing, which in fact and truth, can be shown by a preponderance of evidence never ever existed, but which said (mis)representations were made by a collusion of superior parties misrepresented and acting as trusted parties, with the express purpose and intent that I rely, intentionally concealing the actual transaction which all facts and truth proves beyond any and all doubt is a sophisticated transaction in trademark and investment contract, to which I take all benefit as grantor, secured party, investor, and beneficiary, all of which superior parties acting in collusion intentionally and actively concealed so as to render me incompetent in knowledge, understanding, and capacity for reasons purposeful to exercising unlawful schemes over myself as an incompetent target, that includes trespass, identity theft, authorized use of signature, fabrication, forgery, defamation, patent, copyright, and trademark fraud, estate theft at a minimum; fourth, to come into knowledge and understanding where me, as a natural person who is a living sentient man, is to exercise relief and remedy to achieving the ends of justice for the plethora of irreparable intentional harms suffered by a system in which good public policy is corrupted by fabrication and deception and a kangaroo court whose is completely incapable of seeing me as the living man.

Continue reading “The American Dream? (version one)”