2010-11-01 Motion to Appeal Ruling of the Lower Court and to Rule on the Following Filed Attorney Pro Se (0000000)

8/20/2019 2010-11-01 Motion to Appeal Ruling of the Lower Court and to Rule on the Following Filed Attorney Pro Se (00000…

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THE COURT OF COMMON PLEAS,MONTGOMERY COUNTY, OHIO

CIVIL DIVISION

WELLS FARGO BANK N.A., AS TRUSTEE, Case No. 08 ! 0"#$%For Securitized Asset Backed ReceivablesLLC 2006-OP1 Mortae-Pass!t"rou"-Certi#icatesSeries 2006-OP1

Plaintiff

Vs. &'()e* T+o-/ OCo11e22

$O%& L' R(()* et a'*!!!*Defendant

Mo-+o1 To Vaa-e A Vo+(&'()e1- a1( -o R'2e o1 -eFo22o3+1):

Pa4- I. INTRODUCTION

1' Now comes Defendant John A. Reed pro se* +ovi, t"is Court to Vacate a Void

Judgement o# t"e Courts )ecisio, a,d (,tr. Re,dered o, t"e 1st )a. o# October* 200/*

o, t"e rou,ds t"at t"e Plai,ti## "as co++itted #raud b. bri,i, i,to t"is court

#abricated* #ored a,d #raudule,t docu+e,ts* seci#icall.* Plai,ti##s e"ibit

AFF3)A435 7"ic" urorts to s"o7 Plai,ti##s o7,ers"i i,terest a,d validit. o# t"e

alleed sub8ect Mortae 9 &ote 9 Plai,ti##s e"ibit :A; Assi,+e,t #ro+ Otio, O,e

to


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procured by fraud ( emphasis added), can be attacked at any time, inany court, either directly or collaterally, provided that the party isproperly before the court, Long v. Shorebank Development Corp., 182!"d #$8 ( %!A! & 'll! 1)!

Please see attached Brief in Support of Void Judgments (Authorities12)

1. Plai,ti## or t"eir assi,s "erei,a#ter :Ba,k; a,d>or

:Plai,ti##;* 7"ile lacki, Leal Sta,di, to i,itiate suit* did cause to be #iled aai,st a,

alleed )e#e,da,t $o", L' Reed a #oreclosure suit o, Februar. 2=t"* 200/ ultra vires'

3')e#e,da,t $o", A' Reed* so, o# a, alleed )e#e,da,t $o", L' Reed* 7as e,8oi,ed

7it"i, t"is #oreclosure actio, o,l. #or reaso, o# "is total a,d co+lete o7,ers"i o# "is

reside,ce* t"e sub8ect roert.'

2. Plai,ti##


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u,substa,tiated* libelous* created a,d co++itted i,te,tio,all. 7it" +alice a,d 7it"out

cause a,d created e,tirel. i, a, atte+t to aai, lo7er t"e value o# t"e )e#e,da,t i, t"e

Courts e.es'

E' )uri, t"e course o# t"ese leadi,s Plai,ti##s Cou,sel did cause de#a+atio, o# t"e

c"aracter a,d>or did libel per se* mens rea, )e#e,da,t $o", A' Reed o, ,u+erous

occasio,s see: Wells Fargo Bank Motion For Summary Judgment for one instane* a,d

i, the +ost ublic +a,,er* i, 7riti, per se* t"at "as si,ce bee, disse+i,ated

irretrievabl. a,d loball.* stati,* as #act* t"at )e#e,da,t $o", A' Reed "ad :forged; "is

Fat"ers si,ature a,d :altered; Federal docu+e,ts' A,d* as )e#e,da,ts viabilit. i, "is

c"ose, a,d reviousl. disti,uis"ed ro#essio,* o# &ovell &et7orki, Co,sulta,t

"ourl. rate 100 er "r'* re?uires a :5o Securit. Cleara,ce; to er#or+* Plai,ti##s

Cou,sel "as e##ectivel. stried )e#e,da,t o# a,. c"a,ce o# e+lo.+e,t 7it"i, "is

ro#essio,* i, eretuit.' Plai,ti##s Cou,sel co++itted t"is o##e,se mens re* atte+ti,

to alter t"e Courts oi,io, o# t"e )e#e,da,t to o,e o# a lesser value a,d i, so doi,

atte+ti, to re8udice t"e Court aai,st )e#e,da,t' 3, so doi,* Plai,ti## did cause to be

ublis"ed o,to t"e 3,ter,et t"e c"ares i,dicated above a,d i, t"e i,#or+atio, tec",olo.

ae 7e ,o7 live i,* t"at sa+e i,#or+atio, 7as al+ost i,sta,ta,eousl. disse+i,ated

loball. b. data +i,i, co+a,ies 7orld 7ide* ie' Leis-&eus a,d +a,. ot"ers* a,d is

,o7* unalterable' Plai,ti##s Cou,sels libel* a,d de#a+atio, o# c"aracter o# )e#e,da,t*

7"ic" carr. i+utatio,s a,d asersio,s o# cri+i,al co,duct a,d alleatio,s* are ,ot o,l.

i,8urious to )e#e,da,t i, "is c"ose, a,d establis"ed ro#essio,* t"e. 7ere "is studied

Pro#essio,s deat" se,te,ce'

@


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10' Subsequently t"e lo7er Court #ou,d )e#e,da,t $o", A' Reed to be t"e Creator o#

t"e &ote 9 MortaeG t"e, did* i, violatio, o# t"e 'S' Statute o# Frauds* t"e 'S' La7 o#

Co,tracts a,d Civ'R' 1=A* a,d 7it" $udicial #iat* t"e court altered t"e alleed Mortae

9 Pro+issor. &ote* e##ectivel. destro.i, t"e orii,al Mortae a,d &ote a,d t"eir

rerese,tatio,s o# #act* to rerese,t t"at )e#e,da,t $o", A' Reed 7as t"e true o7,er a,d

reso,sible art. #or t"e alleed Mortae a,d &ote' 5"e,* 7it"out a,. #or+al ,otice o#

suit aai,st )e#e,da,t $o", A' Reed* as court roceeded to collectivel. a,d su++aril.

c"a,e o7,ers"i o# t"e &ote 9 Mortae* t"e. also i++ediatel. #oreclose o, sa+e*

e##ectivel. de,.i, )e#e,da,t $o", A' Reed o# a,. roer recourse t"rou" )ue Process'

:(ver. actio, s"all be rosecuted i, t"e ,a+e o# t"e real art. i, i,terest'; CivR' 1=A

A real art. i, i,terest is o,e 7"o is directl. be,e#ited or inured b. t"e outco+e o# t"e

case' !lease see attached "authorities One#

11' Based ri+aril. uo, testi+o,. o# t"e Plai,ti##s aid 7it,ess* 7"o #ails t"e

)aubert test ,o statistical rate o# success>#ailure #or ad+issibilit. $lease see attached

authorities “7” %* a,d oes directl. aai,st CivR 1002 b. usi, coies to ide,ti#.

)e#e,da,ts si,ature* a,d Plai,ti##s 7it,ess o# Preside,t o# Otio,* 7"o testi#ied as to

,ot bei, rese,t at Mortae creatio,* a,d 7"os sa+e testi+o,. is e,tirel. "earsa.*

Plai,ti##s cou,sel t"e, did roceed to #oreclose aai,st )e#e,da,t $o", A' Reed* seeki,

t"e roert. sold at Public Auctio, a,d u,seci#ied da+aes* 7"ic" t"e Court did a7ard'

SUMMARY OF ARGUMENT AND ISSUES PRESENTED

3, Parara" 11 o# t"e Orii,al co+lai,t


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b. a,ot"er art.' 5"us* t"e securitizatio,* 5rust or :ot"er art. * 7as t"e o7,er* i# ,otalso t"e "older o# t"e ,ote'

3, Parara" 2D o# t"e co+lai,t*


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1D' Please ,ote t"e date o# si,ature o# O,e Ms 5oako Love at t"e botto+ to be Marc"=t"* 200/' Please see ("ibit HHHHHH alter,ate si,atures 9 alter,ate e+lo.ers o# Ms'5oako Love '

3t is 7ell docu+e,ted t"at si,ce 200=


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,ecessar. to #oreclosures as ?uickl. a,d e##icie,tl. as ossible #or a ,u+ber o# di##ere,tco+a,ies' 5o acco+lis" t"is ob8ective* Love does ,ot read t"e a##idavits s"e si,s or+ake a,. i,?uir. as to 7"et"er t"e state+e,ts +ade t"erei, are true a,d accurate' Lovesrobo-si,er status is docu+e,ted b. )e#e,da,ts ("ibit HHHHHHHHHHH t"ru HHHHHHHHHattac"ed "ereto' 5"ese docu+e,ts de+o,strate t"at

a, ea+le o# a, a##idavit ive, b. Ms' 5oako LO4( i, a,ot"er O"io case"eard a,d dis+issed i, Federal Court !euts"e Bank #ational $rust %ompany v& J'%(S)# ' 3, t"at a##idavit* Ms' LO4( rerese,ted t"at s"e 7as a dul. aoi,tedo##icer o# Otio, O,e Mortae Cororatio,' 3, t"is a##idavit* Ms' LO4( avers t"at s"eis acti, o, be"al# o# Otio, O,e as t"e servici, ae,t o# )eutsc"e Ba,k &atio,al 5rustCo+a,.'

3 a+ also attac"i, a, a##idavit i, 7"ic" Ms' LO4( avers t"at s"e is t"e Assista,tSecretar. o# Otio, O,e Mortae *SB% Bank +S' #' v B)-./S ' 3, t"is latterstate court case #ro+ Su++it Cou,t.* s"e avers t"at Otio, O,e is t"e servici, ae,t #or

%SBC Ba,k SA &A'

3, a t"ird attac"ed a##idavit* Ms' 5oako LO4( also avers t"at s"e is t"e Assista,tSecretar. o# Otio, O,e Mortae Cororatio, as servici, ae,t #or


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OP1 see exhibit “A” or Plainti!s exhibit" 11* did ,ot occur u,til *arch 2th ( 14 a,d

as suc" Plai,ti## lacked Leal Sta,di, to i,itiate suit' :(ver. actio, s"all be rosecuted

i, t"e ,a+e o# t"e real art. i, i,terest'; Civ'R' 1=A' A real art. i, i,terest is o,e 7"o

is directl. be,e#ited or i,8ured b. t"e outco+e o# t"e case' Please see attac"ed

" Authorities “1” # “2” .

LAW AND ARGUMENT

11' )e#e,da,t* t"e State o# O"io* a,d its Citize,s i,terests are best reserved b.

assuri, t"at t"e arties to t"e actio, are t"e roer arties' Accordi, to t"e Sure+e

Court o# O"io :a 8ud+e,t re,dered b. a court lacki, sub8ect +atter 8urisdictio, is void

a0 initio&1 Patton v& !iemer 1E//* D O"io St'Dd 6/* =0* 1/ &'('2d E@1' As a result* i#

t"e Court 7ere to e,ter 8ud+e,t 7it"out 8urisdictio, or 7it"out roer arties* t"e State

o# O"io 7ould be re8udiced b. "avi, to articiate i, 8udicial roceedi,s to set aside

t"e sale a,d t"e, relitiate "u,dreds* eve, t"ousa,ds o# #oreclosures'

HOLDER IN DUE COURSE12' 5"e %older i, )ue Course )e#e,se is 7ell-establis"ed i, ba,krutc. ractice'

5o ?uote a,d i,cororate as i# +. o7, Bert (l.* a lo,ti+e a,al.st o# t"e #i,a,cial

services i,dustr. a,d a sc"olar at t"e co,servative Cato 3,stitute 7"o 7as a+o, t"e #irst

to redict t"e S9L sca,dal o# t"e 1E/0s* :t"is is 7ell-establis"ed i, ba,krutc. ractice*

t"at .ou "ave to roerl. er#ect t"e securit. i,terest* a,d i# .ou "ave,t* .oure

scre7ed;'

“$ecuriti%ation ostensibly pro&i'es a source o capital so that (ore ho(e loans are a&ailable toborro)ers. *o)e&er+ the series o corporate an' banking transactions that (ake up securiti%ation

cannot be per(itte' to a&oi' liability by those )ho are actually pro&i'ing the un'ing , an' oten

controlling the transaction.” $ee -urt ggert+ *el' up in /ue Course0 Pre'atory en'ing+

$ecuriti%ation+ an' the *ol'er in /ue Course /octrine+ 3 Creighton . 4e&. 35 62552.

1D' 3# suc" basic lealities are,t ad"ered to* a "o+eo7,er could a. "is or "er

7a. out o# a #oreclosure 8a+ o,l. to 7i,d u i, a,ot"er 7"e, a ,e7 lai,ti## e+eres

10


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clai+i, to o7, t"e debt' Mortae le,di, a,d servici, is :a +atter o# dotti, t"e 3s

a,d crossi, t"e 5s' I 5"ats 7"at uts t"e discili,e i, t"e rocess'# Bert (l.'

1@' Plai,ti## attac"es docu+e,ts to its co+lai,t a,d docu+e,ts roduced t"rou"

discover. co,#lict 7it" t"e alleatio,s o# +aterial #acts i, t"e co+lai,t i, 7"ic" t"e

lai,ti## clai+s t"at it :o7,s t"e &ote; a,d Mortae b. virtue o# a ost-created a,d

ost-recorded assi,+e,t' 5"ese alleatio,s co,#lict 7it" t"e alleed +ortae a,d ,ote

attac"ed to t"e co+lai,t t"at ide,ti#ies Otio, O,e Mortae Cororatio,* as t"e le,der

7it" t"e orii,al securit. i,terest' 5"ese alleatio,s t"ere#ore co,stitute serious

+isrerese,tatio,s a,d could be co,strued as a #raud brou"t uo, t"e court'

1' Plai,ti##s o7, e"ibits* #ull. scruti,ized* urortedl. s"o7 +ultile

tra,s#ere,ce occurre,ces B(FOR( a,d>or a#ter a, alleed tra,s#er "as alleedl. alread.

take, lace o# t"e &ote 9 Mortae* a,d also s"o7 +a,. i,sta,ces o# ,o actual :leal

tra,s#ere,ce; o# t"e Mortae a,d &ote at all' Also* t"e tra,s#ere,ce dates urorted

could ,ot "ave eisted 7it"i, t"e 5i+eli,e rerese,ted' o, a co+lete Mortae

)ocu+e,t scruti,izatio,* t"is is easil. see,'

5RA)0'N6 57, *+R56A6, )7R+N+L+68

!lease carefully notice all dates9

16' 7:R -loc; +riginates the alleged *ortgage /ate'8 9une :th + 2553

!laintiff ,RR+R ob#uscatio, bei,s'

1=' )ocu+e,t titled ")+R!+RA5'+N ASS'6N*,N5 +& +!,N>,ND

*+R56A6,# e"ibit :B; dated June ?th( 1@ urorts* alo, 7it" t"e 1st Allo,e* to

tra,s#er t"e alleed Mortae 9 &ote #ro+ %9R Block to Otio, O,e Mortae Cor'*

.et #ails i, its re?uire+e,t to disla. 8ust /7,R, it recorded sa+e* readi, :a,d

recorded as )ocu+e,t &o' !!!!!!!!! o,* !!!!!!!! da. o# !!!!!!!!!! i, book

11


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!!!!!!!!!* ae !!!!!!!!!!* o# O##icial Records; a,d attested to b. a o,e risti

Ca,izio 2t"e .ady of many "ats a,d Rosea,, 3,#usio ' Clearl. i, violatio, o# 'C'C'*

true sale o0ligations a,d ot"er S(C'* O'R'C' Rules 9 Reulatio,s* a,d Co,tract 9

Securities La7s stated else7"ere 7it"i, t"is leadi,'

1/' Later* i, a, :Assi,+e,t; dated =12@ a,d recorded o, ==11@ Plai,ti##

7a,ts us to believe it again tra,s#ers t"e ver. sa+e &ote 9 Mortae #ro+ t"e ver. sa+e

e,tit. %9R Block to t"e ver. sa+e above +e,tio,ed e,tit. Otio, O,e' E>0 Allo,e exhibit “-1” to &ote as Assistant Secretary for +$tion +ne

*ortgage )or$'B'NV,S5+RS%6>E>0 Allo,e exhibit “-2” to &ote as Assistant Secretary for 7:R -lock

B7R-*)%

6>E>0 Cororatio, Assi,+e,t o# Oe, (,d Mortae as dul. aut"orized:attestor; exhibit “;”

C?@ as &unding)losing

De$artment )ontact exhibit “-1D>0 my personal favorite (+lo.+e,t 4eri#icatio, Fu,der>AMSi,ature days A&5,R loan closing9 exhibit “-:”

C=@ as ReEiewer)loser on7D*A Audit Sheet exhibit “-3”

6>1@>0 as )ata 3,terit. 4eri#ier o, )ata 3,terit. Audit s"eet 1 exhibit “-=” 6>1@>0 as )ata 3,terit. 4eri#ier o, )ata 3,terit. Audit S"eet 2 exhibit “-7” 6>1@>0 )ocu+e,t rearer #or 0@E-/66 ”

20' Probabl. +ost i,teresti, is t"at Ms Ca,izio "olds t"e ositio, o# Assista,t

Secretar. to t7o searate Cororate (,tities a,d also lets ass* until days A&5,R t"e

12


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alleed Mortae Loa, closi,* t"e alleed veri#icatio, o# t"e i,co+e o# t"e )e#e,da,t'

5"e sa+e )e#e,da,t 7"o "ad ,o i,co+e* but 7"o does "ave 7it,esss 7"o are 7illi, to

testi#. t"at t"e. 7ere rese,t a,d "eard o, seaker"o,e )e#e,da,t tell Plai,ti##s

Ae,t* o# t"at #act o# ,o i,co+e* duri, )e#e,da,ts alleed Mortae alicatio,II

see attac"ed exhibit “-:” 5"e ver. sa+e e+lo.+e,t veri#icatio, urortedl. taki,

lace 3 days A&5,R t"e belo7 titled (ecutio, Co. "as alread. urortedl. sold t"e

alleed* but ,o7 certi#ied as roerl. vetted b. Otio, O,e Mort' a,d Ms' Ca,izio* as

ood a,d #raud #ree* Mortae a,d &ote to Barcla.s Ba,k

21' Plai,ti## i,troduces :as evide,ce; !laintiffFs exhibit no” 23” * 5itled

",G,)H5'+N )+!8# R, !urchase !rice and 5erms Agreement# )ated :As o#

9une 15+ 2553; O,e da. a#ter t"e alleed Mortae creatio, Purorti, to elai, "o7

Barcla.s Ba,k "as bou"t t"e alleed Mortae &ote a,d debt #ro+ Otio, O,e a#ter

Otio, O,e "ad co+bi,ed t"at sa+e ,ote a,d debt i,to t"e ,ot .et created :5rust;' Net

,et* .ou 7ill ,otice t"at t"e alleed Mortae "as .et to be assigned to Otio, O,e'

5"at 7ill ,ot occur #or a,ot"er = days BoEer months9%* its eit"er t"at or Plai,ti##

"as brou"t #raud i,to t"e Courts 7it" its :Assi,+e,t o# Mortae to Otio, O,e #ro+

%9R Block ; 't should also be noted that !laintiffFs e xhibit “23” Bexhibit “” % lac;s

any signatures or authentication b. eit"er :Bu.er; or :Seller; clearl. i, violatio, o#

'C'C'* S(C'* O'R'C' Rules 9 Reulatio,s a,d Co,tract 9 Securities La7s rese,ted

else7"ere 7it"i, t"is leadi, a,d as suc" rerese,ts &O5 a leall. bi,di, Co,tract as

reviousl. ,oted'

!laintiff ,RR+R


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/ate' August 13th + 2553 2 Mo,t"s a,d da.s a#ter t"e above re#ere,ced Plai,ti##s

exhibit “23” a,d 7"ic" lacks a,. re#ere,ce to t"e "5RHS5# SecuritiIed Asset -ac;ed

ReceiEables LL) 1C>+!= *ortgage !ass>5hrough )ertificates( Series 1C>+!= *

a,d is dated months before t"e Assi,+e,t #ro+ 7:R -loc; alleed Mortae

Orii,ator to +$tion +ne' Plai,ti##s exhibit “15”6 exhibit “@”

22' 5"is docu+e,t catalos t"e urc"ase o# t"e :5rust; #ro+ t"e :Co+a,. 9

Seller; Otio, O,e Mortae to t"e :Purc"aser;* Barcla.s Ba,k* PLC'

2D' Aai,* it s"ould be ,oted t"at !laintiffFs exhibit “2=” lac;s $ro$er

signatures or aut"e,ticatio, see exhibits ?2 thru ?7 b. :Seller; clearl. i, violatio, o#

'C'C'* S(C'* O'R'C' Rules 9 Reulatio,s a,d Co,tract 9 Securities La7s rese,ted

else7"ere 7it"i, t"is leadi, a,d as suc" #ails to rerese,t a leall. bi,di, Co,tract'

2@' 5"at said* t"e co,clusio, so #ar is t"at t"e alleed &ote 9 Mortae could ,ot

"ave bee, i,cluded i,to t"e :5rust; ,or i,to t"e o7,ers"i o# Barla.s Ba,k PLC u,til at

least t"e da. o# or a#ter t"e da. o# t"e Assi,+e,t #ro+ %9R Block to Otio, O,e

Mortae Cororatio, dated NoEember 11nd( 1@ a,d still oEer a month before the

"5rust# was eEen created.

2' !laintiffFs ,RR+R < 3 lai,ti##s exhibit “27” titled :,G,)H5'+N )+!8 :ASS'6N*,N5 AND )+NV,8AN),; 'een'ants exhibit “*”

dated Auust 1Et"* 200'26' 5"is docu+e,t does urortedl. rerese,t t"e Assi,+e,t a,d Co,ve.a,ce o#

t"e :5rust; #ro+ Otio, O,e to Barcla.s Ba,k PLC' Aai,* it s"ould be ,oted t"at

Plai,ti##s exhibit “27” lac;s any $ro$er signatures see exhibits *2 thru *


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%9R Block to Otio, O,e does ,ot "ae, u,til +ctober 12th( 1@* ,earl. 1 months

A&5,R t"e alleed assi,+e,t a,d co,ve.a,ce o# t"e :5rust; t"at Plai,ti## 7ould "ave

us believe alread. co,tai,ed t"e +ortae* .et t"e. sub+it roo# it could ,ot "ave "ad'

2=' N+5'), ALL +& 57, A-+V, +))HRR,D -,&+R, 57, &'RS5ASS'6N*,N5 DA5, to +!5'+N +N,9

7:R -loc; Assigns Note : *ortgage to +$tion +ne

see assi,+e,t dated October 27+ 2553 9 Recorded &ove+ber 22,d* 200 lai,ti##s exhibit “15” /een'ants exhibit “@”

!laintiffFs ,RR+R < Plai,ti##s exhibit “2>” 6 attache' exhibit “B” titled",G,)H5'+N )+!8# "-'LL +& SAL,# dated January 1Cth( 1C'

2=' %ere 7e "ave a :Bill o# Sale; t"at rerese,ts t"at :BARCLANS BA& PLC

:t"e Seller;* i, co,sideratio, o# i t"e su+ o# K=(1=(14(.3; IIIIILet +e 7rite t"at outI' O,e Millio,* t7o "u,dred a,d #ourtee, t"ousa,d* t7o

"u,dred a,d ei"t dollars 3 uess t"e, a co+a a,d t"e, a deci+al oi,t 3

uess a,d D0 ce,ts 3 uess dollars' 5"is &O5 a t.ora"ical error o, +. art

see Plai,ti##s exhibit “2>” ' &a+i, Otio, O,e as t"e Servicer* Mortae

Ra+* 3,c' as loa, er#or+a,ce advisor a,d


16/107

"ereto a,d +ade a art "ereo#* i,cludi, al i,terest a,d ri,cial received b. t"e Seller

o, or 7it" resect to t"e Mortae Loa,s';IIII' i# t"is 7ere a c"eck 3 "ad to cas"* it

7ould,t be cas"able a,d it is si,ed a,d>or e,dorsed a,d>or aut"e,ticated b. N+ +N,9

2/' 'n SummaryG Barkla.s Ba,k PLC suosedl. resells t"e Mortae Loa,s

#ro+ t"e :5rust; to S(CR353() ASS(5 BAC() R(C(34ABL(S LLC as

Purc"aser 9 )eositor* to Otio, O,e Mortae Cororatio,* as servicer a,d reso,sible

art.* to MortaeRa+* 3,c'* as loa, er#or+a,ce advisor* a,d to


17/107

5rust 5ransfers *ortgage -A)0 to +$tion +ne

D1' As $er !ooling : SerEicing Agreement section 1M3 d attache' exhibit

“9;* Plainti!s exhibit “1>”8 :


18/107

#or eac" ot"er a,d t"at t"ere is ,o o,e Si,ator. ae co,tai,i, all si,atures* ,o

aut"e,ticatio, o# a,. si,atures* ,o dates o# si,atures a,d ,o certi#icatio, o# a,.

si,atures b. Po7er o# Attor,e. clearl. i, violatio, o# 'C'C'* S(C'* O'R'C' Rules 9

Reulatio,s a,d Co,tract 9 Securities La7s reviousl. stated else7"ere 7it"i, t"is

leadi,* a,d as suc" rerese,ts &O5 eve, a leall. bi,di, Co,tract'

!lease note date of Re>!ossession of *ortgage Note to +$tion +ne as January 14.

As $er !ooling : SerEicing Agreement section 13Bd%.

&ebruary 12th ( 14 &oreclosure Action is filed

D@' Otio, O,e then assi,s &ote 9 Mortae to


19/107

)ue )ilie,ce' A,d realizi, t"at all o# t"e alleed loa, orii,atio, aers* i,cludi, t"e

Credit reort* bear a Social Securit. ,u+ber t"at does ,ot correso,d 7it" t"e stated

,a+e o, t"e Mortae )ocu+e,t* a,d t"at t"e i,co,siste,cies 7it"i, al+ost all o# t"e

loa, orii,atio, docu+e,ts are easil. ide,ti#ied* 7it" +i,i+al e##ort* eseciall. b.

sc"ooled a,d lear,ed ro#essio,als* Plai,ti##s o7, e"ibits rove o,l. so +a,.

irreularities a,d illealities t"at u,less eac" a,d ever. o,e is :roved;* a,d roved

7it"i, a c"ro,olo. t"at actuall. CA& eist* t"e, t"e Plai,ti##


20/107

docu+e,ted a,d clear "istor. o# violati, ever. asect o# )ue )ilie,ce A&) t"e :Clea,

%a,ds )octri,e;' Plai,ti##s o7, e"ibits rove ,ot o,l. Plai,ti##s Lack o# Sta,di, i,

t"e sub8ect case at "a,d* but also t"eir eaer 7illi,,ess to bri, #raud* reed a,d

i,co+ete,ce to t"e Courts i, t"eir atte+ts at u,8ust e,ric"+e,t' Plai,ti##s Cou,sel also

clearl. de+o,strates "is o7, lack o# er#or+a,ce o# )ue )ilie,ce i, Rerese,ti,

Plai,ti## be#ore a t"orou" i,vestiatio, o# sa+e'

DE'Plai,ti##


21/107

Mortae as er R'C' 1D0D'22* t"ere#ore* Plai,ti##


22/107

Plai,ti## t"rou" )iscover. roves t"at ,ot o,l. t"rou" lac; of signatures(dates( authentication and indorsements on each document er Sectio, R'C' 1DD'0@* 1D0D'21* 1D0D'22* D01'01 ORC A* D01'2* D0E'=E a,d CCArticle D 9 S&/&%& true sale o0ligations a,d ot"ers III''

3> $ee+ e.g.+ Mi'irst ;ank+ $$; &. C.D. *aynes # Co.+ Bnc.+ >: @.$upp. 15


23/107

also de+o,strate t"e sales o# securities based o, &O u,derl.i, Securitized assetsactuall. "eld* a,d>or utter i,co+ete,ce* a,d>or cri+i,al i,te,tio, a,d eecutio,'5o )e#e,da,ts belie# a,d k,o7lede* Plai,ti##


24/107

eac" ot"er out' O,ce aai, Plai,ti## de+o,strates t"eir Lack o# Sta,di, to i,itiate t"is

#oreclosure actio,'

@6' Because Plai,ti##s did ,ot de+o,strate* ,or could t"e. de+o,strate* t"at t"eir

+e+bers "ave su##ered or 7ere likel. to su##er a, i,8ur. i, #act* t"e. #ail to +eet Article

333 sta,di, re?uire+e,ts'


25/107

t"at a, u,recorded +ortae ca, be a, e##ective tra,s#erG the assignment must be

eOecuted in writing* from the true holder in Due )ourse o# t"e alleed Mortae 9

&ote $rior to filing the )om$laint and before t"e Plai,ti## ca, establis" t"at it "as

sta,di, to i,voke t"e 8urisdictio, o# t"e Court' Sta,di, is a ,ecessar. rere?uisite to

establis" a courts 8urisdictio, to "ear a case' %ain v& %al"oun 1E=E* 61 O"io A'' 2d 2@0*

2@2 #,' 2 citi,t State e rel' )all+a, v' Court o# Co++o, Pleas 1E=D* D O"io St'2d

1=6'

@E' %avi, #ailed to establis" t"at it "olds a, i,terest i, t"e alleed &ote a,d>or

Mortae* t"e Plai,ti## "as #ailed to s"o7 t"at it su##ered a, i,8ur. i, #actG t"ere#ore*

Plai,ti## does ,ot "ave sta,di, to bri, t"is actio,' A erso, lacki, a,. ri"t or i,terest

to rotect +a. ,ot i,voke t"e 8urisdictio, o# t"e court' State ex rel& !allman v %ourt of

%ommon Pleas 1E=D* D O"io St' 2d 1=6* 1=/* 2E/* &'('2d 1' 5"ere#ore* Plai,ti##s

actio, s"ould be dis+issed because t"is Court lacks 8urisdictio,'

0' 5"e Lo7er Courts decisio, #ails to i,cororate rior ruli,s o# t"is Court o,

ide,tical issues' 3, #act* several o# O"ios )istrict Court $udes "ave all ruled o,

,u+erous cases i, #avor o# t"e )e#e,da,ts ositio, 7it"i, t"e ast 16 +o,t"s see

authorities 1 + 2 + +


26/107

B' Otio, O,e ,der7riters


27/107

Co+lai,t a,d "is cou,terclai+s i, its a,d t"eir e,tiret. a,d #ro+ its i,cetio, to eac" a,d

ever. violatio, listed'

@' ,der t"e #acts ot"er7ise ide,ti#ied else7"ere 7it"i, t"is actio, a,d at "a,d

)e#e,da,t did correctl.* reaso,able a,d leall. rel. o, t"e +ortae broker a,d t"e

Plai,ti## to act #airl. 7it" "i+' )e#e,da,t "as bee, "ar+ed b. eac" a,d ever. belo7

cou,terclai+ listed a,d Plai,ti## "as ate,tl. violated ,ot o,l. t"e 5rut" i, Le,di, Act*

at all releva,t ti+es* but also t"e sirit o# t"e 5rut" a,d Le,di, Act ' 5"e Plai,ti##s

broker* closi, ae,t a,d t"e Le,der>Ba,k eac"* i, t"eir o7, arts* "as +isled*

ob#uscated* s"irked #ro+ t"eir roer )ue )ilie,ce a,d atte+ted to co,#use )e#e,da,t

i, t"eir ractice a,d atter, a,d ursuit o# t"eir o7, u,8ust e,ric"+e,t* to 7"itG

i' 5"e Plai,ti## did ,ot rovide aroriate disclosure as re?uired b. t"e 5rut" i, Le,di, Act i, a substa,tive a,d tec",ical+a,,er*

!ursuant to regulations $romulgated under 5ruth in Lending Act( Eiolator

of disclosure requirements is held to standard of strict liability( and

therefore( borrower need not show that creditor in fact deceiEed borrower

by ma;ing substandard disclosures. 5ruth in Lending Act( Sections =1>=4C(

as amended( =@ H.S.). Section =C=>=CC2Be% 5ruth in Lending Regulations(

Regulation ( Section 11C(4Bb>d%( =@ H.S.). Section =2 Soils E. &idelity

)onsumer Discount )o.( @4 -.R. ?43(

Jive, t"e ease o# Plai,ti##s availabilit. to veri#. )e#e,da,ts actual i,co+e* or

lack t"ereo#* a,d )e#e,da,ts lack o# abilit. to alter a,. docu+e,tatio, it is obvious

b. #act t"at t"e Plai,ti## did alter a,d #alsi#. Alicatio, docu+e,tatio, to re#lect

elevated i,co+e levels #or )e#e,da,t t"ereb. #alsel. rerese,ti, t"e +aterial #act

t"at )e#e,da,t 7as e+lo.ed 7"e, i, #act )e#e,da,t* "ad ,o #ull ti+e e+lo.+e,t

at ti+e o# Loa, creatio,* ,or "ad a,. revious #ull ti+e e+lo.+e,t #or a eriod

ete,di, aroi+atel. @ .ears rior to +ortae loa, creatio,* a,d exhibit :+

(ploy(ent Jeriication; clearl. s"o7s e+lo.+e,t veri#icatio, 7as ,ot eve,

acco+lis"ed i# ever* 7"ic" aai, seaks to due dilie,ce* u,til $u,e 1D* 200*

so+e #our da.s A&5,R alleed +ortae loa, closi, a,d a.out date' Suc"

actio, o,ce aai, clearl. de+o,strates to t"e Court* Plai,ti##s co,duct a,d

c"aracter' Plai,ti## also clai+s to "ave reviousl. sold t"is sa+e said Mortae a,d

&ote o, $u,e 10t" 200* t"ree da.s revious to loa, veri#icatio,* to Barcla.s Ba,k

rerese,ti, to sa+e* a,d at t"at ti+e* as #act* t"at t"e Mortae a,d &ote "ad

2=


28/107

alread. received revie7 a,d t"at t"e required )ue )ilie,ce "ad alread.*

reviousl. bee, er#or+ed o, it* 7"e, it is a, u,disutable #act* t"at it "ad ,ot'

"Any false re$resentation of material facts made with ;nowledge of falsity and with

intent that it shall be acted on by another in entering into contract( and which is so acted

u$on( constitutes Qfraud(F and entitles $arty deceiEed to aEoid contract or recoEer

damages.# -arnsdall Refining )orn. E. -irnam wood +il )o.( ?1 & 1d 4ii' 5"e Plai,ti## did #raudule,tl. rerese,t to )e#e,da,t a*

:7it,essed a,d 7it" 7it,esses 7illi, to testi#. to t"e #act o#it;* ro+ise o# #uture re#i,a,ci, o# t"e sa+e alleed loa, to)e#e,da,t a#ter rea.+e,t e,alt. date "ad elased a,d#uture additio,s a,d alteratio,s to roert. 7ere #i,alizedt"ereb. i,creasi, e?uitable value o# roert.* 7"ic")e#e,da,t did co+lete* as i,ce,tive i, +aki, t"e loa, a,dt"ereb. assuri, )e#e,da,t o# a #uture i,co+e 7it" 7"ic" to+ake #uture a.+e,ts attai,able*

"'f any $art of the consideration for a $romise be illegal( or if there are seEeral

considerations for an unseEerable $romise one of which is illegal( the $romise( whetherwritten or oral( is wholly Eoid( as it is im$ossible to say what $art or which one of the

considerations induced the $romise.# *enominee RiEer )o. E. Augustus S$ies L : )

)o.( =2 /is @@?( @21 =31 N/ ==11

iii' 5"e Plai,ti## did sul. )e#e,da,t 7it" bla,k alicatio,docu+e,tatio, #or si,ature a,d retur,* later #ili, i, t"ea+ou,ts*

"'t is not necessary for recession of a contract that the $arty ma;ing the

misre$resentation should haEe ;nown that it was false( but recoEery is allowed eEen

though misre$resentation is innocently made( because it would be unust to allow one

who made false re$resentations( eEen innocently( to retain the fruits of a bargain

induced by such re$resentations.# /hi$$ E. 'Eerson( 3 /is 1d =CC.

iv' 5"e Plai,ti## "as caused i,8ur. to )e#e,da,t a,d did

#raudule,tl.* a,d 7it" revious k,o7lede* did alter a,d>orc"a,e t"e docu+e,tatio, to re#lect t"at )e#e,da,t "ad a,abilit. to rea. t"is alleed &ote 9 Mortae 7it"out #uturere#i,a,ci, o# sa+e 7"e, i, #act a,d to t"eir k,o7lede "e "ad,o,e*

Any Eiolation of the 5ruth in Lending Act( regardless of technical nature( must result

in finding of liability against lender. 5ruth in Lending Regulations( Regulation Section

11C.= et seq.( =@ H.S.). Section =2 5ruth in Lending Act Section =3 Ba( e%( 'S H.S.).

Section =C Ba( e%. 'n Re Steinbrecher. == -R. =@@( ==C A.L.R. &ed. 44=.

v' 5"e Plai,ti## "as caused i,8ur. to )e#e,da,t a,d did#raudule,tl. alter t"e Loa, )ocu+e,ts to rerese,t t"e real art. o# i,terest to be )e#e,da,ts Fat"er i, a, atte+t toob#uscate true o7,ers"i to #orce real "older o# roert. to#ace additio,al burde, o# )e#e,di, "is leiti+ate ositio, att"e ti+e o# i,te,tio,al a,d $re>ordained foreclosure b.Plai,ti##*

"5he contract is Eoid if it is only in $art connected with the illegal transaction and the

$romise single or entire.# 6uardian Agency E. 6uardian *utual. SaEings -an;( 112 /is

@@( 12? N/ 43.

2/


29/107

vi' 5"e Plai,ti## "as caused i,8ur. to )e#e,da,t a,d did#raudule,tl. +isrerese,t accurate a+ou,ts #i,a,ced* erce,tae rates a,d #i,a,ce c"ares o, t"e 5rut" 3, Le,di,)ocu+e,ts 2 searate o,es' $ee xhibit “ M ” # “ H ”

uestion of whether lenderFs 5ruth in Lending Act disclosures are inaccurate(

misleading or confusing ordinarily will be for fact finder howeEer( where confusing(

misleading and inaccurate character of dis$uted disclosure is so clear that it cannot

reasonably be dis$uted( summary udgment for $laintiff is a$$ro$riate. 5ruth in

Lending Act Section =1 et seq 5ruth in Lending Regulations( Regulation ( Section

11C.= et seq.( =@ H.S.). Section =2. 6riggs E. !roEident )onsumer Discount )o. @3 &(

Su$$ 1C( a$$eal dismissed C21 &.1d ?3( a$$eal after remand C4 &.1d ?12( certiorari

granted( Eacated =3 S.)t( ( @? H.S. @C( 2 L.,d.1d 11@( on remand C?? ,1d C1.

vii' Plai,ti##s closi, Ae,t did rus" )e#e,da,t t"rou" t"e:closi, rocess; 7it" a clai+ o# bei, late to :catc" "er la,e;* t"us derivi, )e#e,da,t o# a,. available ti+e torevie7 closi, docu+e,ts'

+nce a creditor Eiolates the 5ruth 'n Lending Act( no matter how technical

Eiolation a$$ears( unless one of statutory defenses a$$lies( )ourt has no

discretion in im$osing liability. 5ruth in Lending Act( Sections =1>=4C asamended( =@ H.S.). Section =C=>=CC2e. Solis E. &idelity )onsumer Discount )o.

@4 -R( ?43.

Hoe O31e4s E5'+-/ P4o-e-+o1 A-

HOEPA V+o2a-+o1s

' 3, Je,eral -5"e %o+e O7,ers"i a,d (?uit. Protectio, Act o# 1EE@

%O(PA or t"e Act a+e,ded 53LA b. addi, Sectio, 12E o# 53LA* 1 'S'C'

16DE* a,d "as bee, i+le+e,ted b. Sectio,s 226'D1 a,d 226'D2 o# Reulatio, '

12 C'F'R' 226'D1 a,d 226'D2' %O(PA 7as i+le+e,ted to seci#icall. curb

t"e redator. le,di, ractices o# certai, sub-ri+e le,ders' Je,erall.* t"e Act

rovides added rotectio,s to borro7ers 7"o obtai, +ore "i"-cost loa,s i, t"e

sub-ri+e +arket'

6' 3, t"e course o# o##eri, a,d ete,di, credit to )e#e,da,t*


30/107

A' Plai,ti## "as caused i,8ur. to )e#e,da,t a,d "as violated t"e

re?uire+e,ts o# %O(PA a,d Reulatio, b. e,ai, i, a atter, or

ractice o# ete,di, suc" credit to a borro7er based solel. o, t"e borro7ers

collateral rat"er t"a, co,sideri, t"e borro7ers curre,t a,d eected i,co+e*

curre,t obliatio,s* a,d e+lo.+e,t status to deter+i,e 7"et"er t"e borro7er is

able to +ake t"e sc"eduled a.+e,ts to rea. t"e obliatio,* i, violatio, o#

Sectio, 12E" o# 53LA* 1 'S'C' 16DE"* a,d Sectio, 226'D2e1 o#

Reulatio, * 12 C'F'R' 226'D2e1* 226'D@G

5rut" i, Le,di, Act was $assed to $reEent unso$histicated consumer from being misled

as to total cost of financing. 5ruth in Lending Act( Section =1( =@ H.S.). Section

=C=. 6riggs E. !roEident )onsumer Discount. C4 &.1d ?12( certiorari granted(

Eacated =3 S.)t. ( @? H.S. @C( 2 L.,d.1d 11@( on remand C?? &.1d C1.

1. !ur$ose of 5ruth in Lending Act is for customers to be able to ma;e informed

decisions. 5ruth in Lending Act Section =1( =@ H.S.). Section =C=. 6riggs E.

!roEident )onsumer Discount )o. C4 &.1d ?12( certiorari granted( Eacated =3

S.)t. ( @? H.S. @C( 2 L.,d(1d 11@( on remand C?? &(1d C1(

B' Plai,ti## "as caused i,8ur. to )e#e,da,t a,d "as violated t"e

re?uire+e,ts o# %O(PA a,d Reulatio, b. i,cludi, a ro"ibited :rea.+e,t

e,alt.; rovisio,* i, violatio, o# Sectio, 12EW o# 53LA* 1 'S'C' 16DEW*

a,d Sectio, 226'D2d6 o# Reulatio, * 12 C'F'R' 226'D2d6G

C' Plai,ti## "as caused i,8ur. to )e#e,da,t a,d did violate t"e

re?uire+e,ts o# %O(PA a,d Reulatio, b. +isleadi, )e#e,da,t i, t"e real

costs o# alleed Mortae a,d &ote as is evide,ced b. lo7er courts o7,

rerese,tatio, o# erro,eous a,d #raudule,t a+ou,ts re#ere,ced i, )ecisio,* Order

a,d $ud+e,t (,tr. Fi,di, 3, Favor O# Plai,ti##


31/107

'S'C' 16DEW* a,d Sectio, 226'D2d6 o# Reulatio, * 12 C'F'R'

226'D2d6G a,d

(' Plai,ti## "as caused i,8ur. to )e#e,da,t a,d violated t"e re?uire+e,tso# %O(PA a,d Reulatio, b. #aili, to rovide )e#e,da,t re?uired

disclosure docu+e,ted u,der Sectio, 16DE a )isclosures1A 9B* 2 A,,ual erce,tae rateB* b 5i+e o# disclosures1* 2A*D Modi#icatio,s* c &o Prea.+e,t e,alt.1AB* 2Aiii*B* )* d* e* #* "* 8* k* Sectio, 16DEd* a,d

!ursuant to regulations $romulgated under 5ruth in Lending Act( Eiolator of

disclosure requirements is held to standard of strict liability( and therefore( borrower

need not show that creditor in fact deceiEed by ma;ing substandard disclosures.

5'LA( Sections =1>=4C( as amended( =@ H.S.). Section =C=>=CC2Be% 5ruth in

Lending Regulations( Regulation ( Section 11C(4Bb>d%( =@ H.S.). Section =2 Soils E.

&idelity )onsumer Discount )o.( @4 -.R. ?43(

F' Plai,ti## did violate a,d cause to i,itiate %O(PA rotectio, ri"ts a,d)e#e,da,ts ri"ts b. re?uiri, )e#e,da,t to a. an annual percentage

rate at consummation which did exceed a, i,terest rate :+ore t"a, / erce,tae oi,ts #or #ist lie, loa,s;Ibased o, t"e .ield o, 5reasur.securities "avi, co+arable eriods o# +aturit.;II'as is re?uired b. Reulatio, * 12 C'F'R Sectio, 226'D2 a1iii* seeexhibit”4” 4

J' Plai,ti## #ailed i, t"eir re?uire+e,ts u,der rules W1to rovide)e#e,da,t roer docu+e,tatio, as re?uired*W2 *D*@ i, rovidi,)e#e,da,t a,. a,d all roer ,otices as is re?uired' d1*2*@**6*=iiiiiiiv '

%' Plai,ti## did violate )e#e,da,ts ri"ts by charging discount $oints in

Eiolation of State maOimum limitation requirement of 1 by charging

Defendant 3.

V+o2a-+o1s o6 -e O+o RICO A-O+o RICO, R.C. 7 #$.$

=' )e#e,da,t $o", A' Reed i,cororates b. re#ere,ce all o# t"e roceedi, a,d

#oreoi, alleatio,s i, t"e e,tiret. o# )e#e,da,ts a,s7ers 9 leadi,s as i, reard to

t"e Co+lai,t i, its e,tiret. a,d #ro+ its i,cetio,'

/' )e#e,da,t $o", A' Reed allees t"at

A'


32/107

u,der #alse rete,ses* 7it"out sta,di, a,d 7it"out co+l.i, 7it" O"io

la7'

B' )e#e,da,t allees a, i+roer taki, o# t"eir real roert. t"rou" t"e

Plai,ti## use o# i,te,tio,al ,o,disclosure* +aterial +isrerese,tatio,* a,d

t"e creatio, o# #raudule,t loa, docu+e,ts i, violatio, o# t"e R3CO Statute*

a,d co,ti,ui, i,8ur. a,d da+aes i,cludi, t"e auctio, o# t"eir "o+e

a,d #uture overa.+e,t o# #raudule,t c"ares'

C' 5"ese activities are a atter, o# corrut a,d illeal activit. a,d i, violatio,

o# O"io R3CO la7'

E'


33/107

60' )e#e,da,t $o", A' Reed is seeki, u,seci#ied actual a,d statutor. da+aes*

i,cludi, treble da+aes u,der O"io R3CO la7* as 7ell as attor,e.s #ees a,d costs'

)e#e,da,t $o", A' Reed also seeks t"e aoi,t+e,t o# a receiver to recover #ro+ 1 , ?1 , @1 4 as trustee i, reckless

disreard o# t"e #act t"at Plai,ti##


34/107

activities bot" as trustee i, O"io a,d #or lack o# sta,di,' 5"ese #ili,s 7ere +ade i, a

7a,to, a,d reckless +a,,er i, a, atte+t to i,#lue,ce state a,d #ederal 8udes a,d

8udicial o##icers i, O"io to e,ter 8ud+e,ts aai,st )e#e,da,ts o, t"e alleed +ortae

a,d &ote* i,cludi, #or ri,cial* i,terest* late #ees* e,alties* costs a,d attor,e. #ees*

a,d to #oreclose o, )e#e,da,ts roert. i, a 7a,to, atte+t at u,8ust e,ric"+e,t'

66' 5"e Plai,ti##s co,duct co,stitutes a atter, o# corrut activit.* because t"e.

"ave +ai,tai,ed +ore t"a, t7o la7suits u,der t"e #raudule,t a,d +isleadi,

circu+sta,ces described i, t"e #oreoi, arara"s' O, i,#or+atio, a,d belie#* t"e

de#e,da,ts "ave #iled "u,dreds o# #oreclosure co+lai,ts i, violatio, o# R'C' 2E2D'D2

see see aut"orities =1, >1 , ?1 , @1'

6E' 5"rou" t"e #ili, o# #oreclosure actio,s u,der #alse rete,se a,d i, violatio,

o# 'S' La7* 'C'C'* S(C a,d O"io La7* a,d>or a,. ot"er alicable a,dXor Local La7s*

Plai,ti##


35/107

"as establis"ed t"e ele+e,ts o# +hio R')+ Eiolation to a, order divesti, +S!%, #& )"&W& !ist Judge M*arg"

=@' /herefore( because t"e Plai,ti##s e"ibits attac"ed to t"eir leadi, are

i,co,siste,t 7it" Plai,ti##s alleatio,s as to o7,ers"i o# t"e sub8ect ,ote a,d +ortae*

t"ose alleatio,s are ,eutralized a,d Plai,ti##s co+lai,t is re,dered ob8ectio,able'

Plai,ti## "as #ailed to establis" itsel# as t"e real art. i, i,terest a,d court did lack sub8ect

+atter 8urisdictio, to "ear sa+e' )e#e,da,t $o", A' Reed does re?uest t"is Court to 1

dis+iss t"is case with $reudice i, its e,tiret.* 2 sustai, )e#e,da,ts eressed

de#a+atio, a,d libel c"ares* stated else7"ere 7it"i, t"is leadi,* D a7ard )e#e,da,t

a,. actual a,d u,itive +o,etar. re7ard t"e Court dee+s #it a,d roer #or loss o#

e+lo.+e,t si,ce #oreclosure i,cetio, i, eretuit. i, "is stated ro#essio,* a,. a,d

all a+ou,ts re,der able u,der 53LA* %O(PA a,d R3CO c"ares stated above* lus a,

a7ard #or e+otio,al* ".sical a,d s.c"oloical ai, 9 su##eri, as 7ell as a,. a,d all

D


36/107

costs associated 7it" t"e de#e,se o# t"is suit* a,d @ order Plai,ti##* with $reudice( to

i++ediatel. cause to be released its alleed +ortae a,d>or a,. i,terest it +a. "ave or

"ave obtai,ed aai,st t"e sub8ect roert. a,d retur, t"e roert. i, 7"ole to )e#e,da,t

$o", A' Reed 7it" da+aes* a,d a7ard a,. a,d all cost a,d Leal Fees i, t"eir e,tiret.

t"at Plai,ti##s Att.s s"ould>7ould "ave collected i, t"e case to )e#e,da,t'

=' )e#e,da,t reserves t"e ri"ts to bri, c"ares u,der eac" a,d ever. ot"er

violatio, a,d actio,able issue #ou,d* acts suc" as t"ose alread. discovered 7it"i,

R(SPA* 5"e O"io Corrut Activities Act* t"e O"io Co,su+er Sales Practices Act* F5C*

F)CPA* F)RA* 'C'C'* O'R'C 1D@* Article 333* a,d all ot"ers as t"e. beco+e aare,t

a,d* +ore i+orta,tl. at t"is ti+e* sace 7ill allo7'

=6' Fi,all.* 3 si,cerel. t"a,k Nour %o,or #or "is>"er ti+e a,d atie,ce i,

revie7i, t"is le,t". docu+e,t a,d 3 ask .ou "u+bl. a,d resect#ull.* ,ot o,l. #or

8ustice #or +.sel#* but #or t"e ,ecessar. sa,ctio,s a,d>or i,8u,ctio,s a,d>or ot"er actio,s

t"at 7ould serve to reve,t #urt"er redator. ractices* suc" as t"ose used aai,st +e* to

be utilized aai,st ot"er u,susecti, "o+e o7,ers' Nour %o,or* 3+ ,obod. secial* but

3 "ave lived t"ou" t"is be#ore' A,ot"er #i,a,cial 3,stitutio, ca+e a#ter +e 2@ .ears ao*

3 searc"ed #or k,o7ledeable leal "el t"e,' 3 could,t #i,d a,. t"e, eit"er' 5"e. ,ot

o,l. stried +e o# all +. rocessio,s E "ouses 3d erso,all. re"abbed i,cludi, +.

o7, o# 1E .ears* t"e. t"e, co,ti,ued to rui, +. Credit #or a,ot"er 11 .ears a#ter 3 #iled

ba,krutc.' 3 k,o7 7"ats co+i,' 3 ca+e out "ere destitute* +oved "ere o,to a vaca,t

lot t"at "ad bee, #or sale #or over 1 .ears* ,obod. 7a,ted it' 3 +oved i,to a 60 .ear old

rat* raccoo, a,d sider i,#ested s"ed a,d i# it 7ere,t #or a, old c"ild"ood #rie,d* 3d

"ave starved a,d bee, dead lo, ao' 3t ot cold a,d t"e. 7ere buildi, McMa,sio,s

close b. a,d 3 started du+ster-divi, #or i,sulatio, a,d #ou,d lots' 3, t"e ,et .ears

3d built +ost o# t"is "ouse* EEY o# it out o# t"e du+sters' 3 7orked ever. 8ob 3 could

#i,d* still* +. electric a,d t"e 7ell "as bee, tur,ed o## too +a,. ti+es' A,d still* 3

raised t"is roert. to its "i"est a,d best use'

Resect#ull.*

D6


37/107

$o", A' Reed pro se=E@0 Juil#ord )r')a.to,* O"io @@1@ED=-/E0-2=6Notra8ZNa"oo'co+

D=

mailto:[email protected]:[email protected]


38/107

i

Exhibits

Exhibit “A” Assignment from Option One to Wells Fargo plaintiff’s exhibit 11 $9:9008

Exhibit “B” Corporation Assignment of Open End Mortgage 1st Assignment from H&R Block to Option One plaintiff’s exhibit “ 1” !"#"$%

Exhibit “C” Allonge from Option One to Blan& plaintiff’s exhibit “8” !"#"$%

Exhibit “D” Allonge from '() Blo*& to Option One plaintiff’s exhibit “7” !"#"$%

E;+ $nd Assignment from '() Blo*& to Opt One plaintiff’s exhibit “10” 1"$+"$%

Exhibit “E” E,EC-/O0 COP P2r*hase Pri*e and erms Agreement plaintiff’s exhibit “25” !"1"$%

“E$” EC"PP(A signat2re page

Exhibit “3” E,EC-/O0 COP 45O6 AME0DED A0D )E7AEDMO)3A3E 5OA0 P-)C'A7E A0D 6A))A0/E7 A3)EEME0

plaintiff’s exhibit “26” 8/15/2005

Exhibit “3$” ?ECFAARMLPAWA@ D'e D+2+)e1e S-a-ee1-

Exhibit “38” ?ECFAARMLPAWA@ Va2+(+-/ o6 Mo4-)a)e Do'e1-s O31e4s+

Exhibit “39” ?ECFAARMLPAWA@ O4+)+1a-+o1 D'e D+2+)e1e

Exhibit “3%” ?ECFAARMLPAWA@ S+)1a-o4/ a)e "

Exhibit “3!” ?ECFAARMLPAWA@ S+)1a-o4/ a)e

Exhibit “3+” ?ECFAARMLPAWA@ S+)1a-o4/ a)e $

Exhibit “'” E;e'-+o1 Co/ Ass+)1e1- a1( Co1!e/a1e

Exhibit “'$” E;e'-+o1 Co/ Ass+)1e1- a1( Co1!e/a1e S+)1a-'4e a)e "

Exhibit “'8” E;e'-+o1 Co/ Ass+)1e1- a1( Co1!e/a1e S+)1a-'4e Pa)e $

Exhibit “'9” E;e'-+o1 Co/ Ass+)1e1- a1( Co1!e/a1e S+)1a-'4e a)e

Exhibit “/” Ba42a/s Ba1 B+22 o6 Sa2e

Exhibit “” Poo2+1) a1( Se4!++1) A)4eee1- Se. .0$


39/107


40/107

Exhibit =U> I-e+a-+o1 o6 Ao'1- F+1a1e(

Exhibit = V> Goo( Fa+- Es-+a-e o6 Se--2ee1- Cos-s "

Exhibit =W> Goo( Fa+- Es-+a-e o6 Se--2ee1- Cos-s "

,Ohibit "A# Assignment from +$tion +ne to /ells &argo


41/107

#or +ore ea+les o# Ms' 5oaka Loves Si,atures see ("ibit HHHHH#or +ore ea+les o# &otar. Ba,asze7skis Si,ature see ("ibit HHHHH

,Ohibit "0# 0risty ? ,m$loyment Verification


42/107

0risty 3 ,Ohibit "-# Assignment from 7:R -loc; to +$tion +ne C?1@


43/107

0risty = ,Ohibit ")# Allonge from +$tion +ne to -lan;


44/107

0risty 1 ,Ohibit "D# Allonge from 7:R -loc; to +$tion +ne


45/107

0risty3 ,Ohibit ",# )or$oration Assignment of +$en>,nd *ortgage


46/107


47/107

,Ohibit ",# !urchase !rice : 5erms Agreement


48/107

,Ohibit ",1# !urchase !rice : 5erms Agreement signature $age


49/107

,Ohibit "6# ,G,)H5'+N )+!8 &L+/ A*,ND,D AND R,S5A5,D

*+R56A6, L+AN !HR)7AS, AND /ARRAN5',S A6R,,*,N5

B,)&AAR*L!A/A%


50/107

,Ohibit "61# B,)&AAR*L!A/A% Due Diligence Statement


51/107

,Ohibit "63# B,)&AAR*L!A/A% Validity of *ortgage Documents : +wnershi$


52/107

,Ohibit "6# B,)&AAR*L!A/A% +rigination Due Diligence


53/107

,Ohibit "6@# B,)&AAR*L!A/A% Signatory $age =


54/107

,Ohibit "6C# B,)&AAR*L!A/A% Signatory $age 1


55/107

,Ohibit "62# B,)&AAR*L!A/A% Signatory $age 3


56/107

,Ohibit "7# ,Oecution )o$y Assignment and )onEeyance


57/107


Signature $age =


58/107


Signature !age 3


59/107


Signature $age


60/107

,Ohibit "'# -arclays -an; -ill of Sale


61/107

,Ohibit "J#

!ooling : SerEicing Agreement 1.3


62/107

",Ohibit 0 >. I1s-4'-+o1s -o C2os+1) A)e1-


63/107

",Ohibit 0 . I1s-4'-+o1s -o C2os+1) A)e1-


64/107

",Ohibit 0 >. I1s-4'-+o1s -o C2os+1) A)e1-


65/107

",Ohibit 0@>. HMDA A'(+- See-


66/107

0risti )aniIio C ,Ohibit "0C# Data 'ntegrity Sheet


67/107

0risty )aniIio 2 ,Ohibit "02# Data 'ntegrity Audit


68/107

0risty )aniIio 4 ,Ohibit "04# /iring 'nstructions


69/107


70/107

0risty )aniIio ? ,Ohibit "0?# ,m$loyment Verification

Child Support 1 Exhibit “L1”


71/107



72/107



73/107

Exhibit “M” TILA Statement #1


74/107

Exhibit “N” TILA Statement #2


75/107

,Ohibit "+# )redit Re$ort


76/107


77/107


78/107


79/107


80/107

,Ohibit "!# HniEersal Residential Loan A$$lication =


81/107


82/107


83/107


84/107

,Ohibit "# HniEersal Residential Loan A$$lication 1


85/107


86/107


87/107


88/107

Exhibit ““!ederal e"ere Stati"ti$al Intere"t ate elea"e


89/107

,Ohibit "S# Loan Disbursement /or;sheet =


90/107

E;+ Loa1 D+s


91/107

E;+ I-e+a-+o1 o6 Ao'1- F+1a1e(


92/107

E;+ Goo( Fa+- Es-+a-e o6 Se--2ee1- Cos-s " a)e "


93/107

E;+ Goo( Fa+- Es-+a-e o6 Se--2ee1- Cos-s " a)e


94/107

E;+ Goo( Fa+- Es-+a-e o6 Se--2ee1- Cos-s


95/107

E;+ Goo( Fa+- Es-+a-e o6 Se--2ee1- Cos-s a)e


96/107

Authorities +ne

+n Standing : Due !rocess


97/107

Civ' R' 1=AArticle 333* Sectio, @B o# t"e O"io Co,stitutio,S"ealy v& %amp0ell 1E/* 20 O"io St'Dd 2D* 2@& !allman v& %ourt of %ommon Pleas 1E=D* D O"io St'2d 1=6* 2E/ &'('2d 19alley Forge* @@ 'S' at @=2%oyne* 1/D F' Dd at @E@*

Pestrak v& )"io /letions %omm’n* E26 F' 2d =D* =6 6t"

Cir' 1EE1%ain v& %al"oun 1E=E* 61 O"io A'' 2d 2@0* 2@2 #,' 2State e rel' )all+a, v' Court o# Co++o, Pleas 1E=D* D O"io St'2d 1=6' #ort"land 7ns& %o& v& 7lluminating %o'* 11t" )ist' &os' 2002-A-00/ a,d 2002-A-0066* 200@-

O"io-12E* at [1=$ravelers 7ndemn& %o& v& & .& Smit" %o& Ar' 1D* 2001* 11t" )ist' &o' 2000-L-01@)iscover Ba,k v' Brock+eier* 12t" )ist' &o' CA2006-0=-0=/* 200=-O"io-12* at [=%i"la,d %olida. Subdivisio, 1E=1* 2= O"io A'2d 2D=* 2@0* 2=D &'('2d E0D First +nion #atl& Bank v& *ufford 2>CC=4, =? )"io 'pp&d A, AA, AGEDC

Wells Fargo Bank, #&'& v& Byrd * 1=/ O"io A'Dd 2/* 14-O"io-@60D

Jurisdiction

State ex rel& !allman v %ourt of %ommon Pleas 1E=D* D O"io St' 2d 1=6* 1=/* 2E/* &'('2d1 Patton v& !iemer 1E//* D O"io St'Dd 6/* =0* 1/ &'('2d E@1

Authorities1

!reEious +hio Judgments on Lac; of Standing only

%ain v& %al"oun 1E=E* 61 O"io A'' 2d 2@0* 2@2 #,' 2 citi,t State e rel' )all+a, v' Court o#

Co++o, Pleas 1E=D* D O"io St'2d 1=6'

HS )ourt of A$$eals( =st A$$ellate Dist. +f +hio( 7amilton )o. A$$eal No. )>244?

JHD6,M D'N0,LA)0,R

:Si,ce lai,ti##-aella,t


98/107

2)V3?( 2)V33. JHD6,M 57+*AS *. R+S,

:Federal courts "ave o,l. t"e o7er aut"orized b. Article 333 o# t"e ,ited StatesCo,stitutio, a,d t"e statutes e,acted b. Co,ress ursua,t t"ereto' Bender v& Williamsport 'rea S"ool !istrit * @= 'S' D@* @1 1E/6' As a result* a lai,ti## +ust "ave co,stitutio,al sta,di, i, order #or a #ederal court to "ave 8urisdictio,' 7d&1

:5"is Court is 7ell a7are t"at e,tities 7"o "old valid ,otes are e,titled to receive ti+el. a.+e,ts i, accorda,ce 7it" t"e ,otes' A,d* i# t"e. do ,ot receive ti+el. a.+e,ts* t"e e,tities "avet"e ri"t to seek #oreclosure o, t"e acco+a,.i, +ortaes' %o7ever* 7it" reard t"e e,#orce+e,t o# sta,di, a,d ot"er 8urisdictio,al re?uire+e,ts ertai,i, to #oreclosure actio,s* t"is Court is i, #ullaree+e,t 7it" $ude C"risto"er A Bo.ko o# t"e ,ited States )istrict Court #or t"e &ort"er, )istricto# O"io 7"o rece,tl. stressed t"at t"e 8udicial i,terit. o# t"e ,ited States )istrict Court is:!riceless';;

JHD6,M 57+*AS *. R+S,

-ased on Article ''' requirements and standing* S )istrict Court* &' O"io* (' )iv'2)V1141( 2)V1@31( 2)V1@C( 2)V1C1( 2)V1C3=( 2)V1C34( 2)V1C4=(

2)V1C?@( 2)V1?1( 2)V1?3( 2)V1??( 2)V1?@( 2)V3( 2)V31?JHD6, )7R'S5+!7,R A. -+80+

5"ere is ,o doubt ever. decisio, +ade b. a #i,a,cial i,stitutio, i, t"e #oreclosure rocess isdrive, b. +o,e.' A,d t"e TU? leal 7ork 7"ic" #lo7s #ro+ 7i,,i, t"e #i,a,cial i,stitutio,\s#avor is "i"l. lucrative' 5"ere is ,ot"i, i+roer or 7ro, 7it" #i,a,cial i,stitutio,s or la7#ir+s +aki, a ro#it -- to t"e co,trar. * t"e. s"ould be re7arded #or sou,d busi,ess a,d leal ractices' %o7ever* u,c"alle,ed b. u,der#i,a,ced oo,e,ts* t"e i,stitutio,s 7orr. less about 8urisdictio,al re?uire+e,ts a,d +ore about +ai+izi, retur,s' ,like t"e #ocus o# #i,a,ciali,stitutio,s* t"e #ederal courts +ust act as atekeeers* assuri, t"at o,l. t"ose 7"o +eetdiversit. a,d sta,di, re?uire+e,ts are allo7ed to ass t"rou"' Cou,sel #or t"e i,stitutio,s are,ot 7it"out leal aru+e,t to suort t"eir ositio,* but t"eir aru+e,ts #all 7oe#ull. s"ort o# 8usti#.i, t"eir re+ature #ili,s* a,d utterl. #ail to satis#. t"eir sta,di, a,d 8urisdictio,al burde,s' 5"e i,stitutio,s see+ to adot t"e attitude t"at si,ce t"e. "ave bee, doi, t"is #or solo,* u,c"alle,ed* t"is ractice e?uates 7it" leal co+lia,ce' Fi,all. ut to t"e test* t"eir 7eak lealaru+e,ts co+el t"e Court to sto t"e+ at t"e ate'

5"e Court 7ill illustrate i, si+le ter+s its decisio, Fluidit. o# t"e +arket -- Q dollars* co,tractualarra,e+e,ts TU= bet7ee, i,stitutio,s a,d cou,sel -- Q dollars* urc"asi, +ortaes i, bulk a,dsecuritizi, -- Q dollars* rus" to #ile* slo7 to record a#ter 8ud+e,t -- Q dollars* t"e 8urisdictio,al i,terit. o# ,ited States )istrict Court -- Priceless'

JHD6, )7R'S5+!7,R A. -+80+

/ith DiEersity but ruled for of lac; of standing

S )istrict Court o# O"io* S')'*(' )iv2>cE>=CC( 2>cE>=?( 2>cE>11C( 2>cE>12?( 2>cE>13( 2>cE>@3( 2>cE>@3C( 2>cE>C1( 2>

cE>2C( 2>cE>212( 2>cE>23=( 2>cE>?C3( 2>cE>=2( 2>cE>===?( 2>cE>==@ JHD6,M John D.

7olschuh Dec. 12( 12

:


99/107

to bri, t"ese actio,s* a,d t"ese cases s"ould be dis+issed #or lack o# sta,di,'; JHD6, M John D.7olschuh

Lac; of Standing !ositions 7eld

Against /ells &argo -an; NA. 'n -old

Dismissals Due To Plaintiff's Failure To Show Standing

• Deutsche Bank National Trust Company v. Nashe; Filed 10/1/2007; Case No. 1:2007cv02994;

Disposed 12/3/2007; Judge James S. !"N

• Wells Fargo Bank, NA v. Ivy ; Filed 8/10/2007; Case o! 1"2007#$02%&; Dis(osed

12//2007; )udge )ames S! *+,

• Deutsche Bank National Trust Company v. Mays; Filed 11/#/2007; Case No. 1:2007cv02334;

Disposed 12/3/2007; Judge James S. !"N

• Ameriquest Funding II !" #u$sidiary %%C v. Bat ; Filed 9/10/2007; Case No. 1:2007cv0272#;

Disposed 12/3/2007; Judge $a%&icia '. '()'N

• Deutsche Bank National Trust Company v. A&ad ; Filed 9/#/2007; Case No. *:2007cv01703;

Disposed 12/4/2007; Judge David D. D+!D, J&.

• Wells Fargo Bank, N A v. Ernest ; Filed 11/2/2007; Case o! 1"2007#$0%1-; Dis(osed

12/%/2007; )udge Da$id D! D.+D )r!• 'ashington Mutual Bank v. Clark ; Filed 10/1*/2007; Case No. *:2007cv03177; Disposed 12/4/2007;

Judge David D. D+!D, J&.

• Deutsche Bank National Trust Company v. Brad(ord ; Filed 7/17/2007; Case No. 1:2007cv02144;

Disposed 12/*/2007; Judge Da- 'a&o- $+S

• Deutsche Bank National Trust Company v. DeFrati ; Filed 10/23/2007; Case No. 1:2007cv0327#;

Disposed 12/10/2007; Judge C&is%ope& '. +5+

• %a#alle Bank National Association v. %yons; Filed 9/10/2007; Case No. 1:2007cv02733; Disposed

12/11/2007; Judge James S. !"N

• CitiMortgage) Inc. v. North; Filed 10/30/2007; Case No. *:2007cv0337#; Disposed 12/12/2007;


• MidFirst Bank v. Deem; Filed 10/22/2007; Case No. *:2007cv032#0; Disposed 12/12/2007; Judge

David D. D+!D, J&.

• Deutsche Bank National Trust Company v. #quires; Filed 10/6/2007; Case No. *:2007cv0307#;


• D%* Mortgage Capital) Inc. v. +arper ; Filed 10/*/2007; Case No. 1:2007cv030*2; Disposed

12/12/2007; Judge David D. D+!D, J&.

• Wells Fargo Bank, N.A. v. Banfield ; Filed 7/2/2007; Case o! &"2007#$02272; Dis(osed

12/12/2007; )udge Da$id D! D.+D )r!

• Deutsche Bank National Trust Company v. Black ; Filed 10/6/2007; Case No. 1:2007cv03074;


• CitiMortgage) Inc. v. #tout ; Filed 10/23/2007; Case No. *:2007cv03260; Disposed 12/12/2007;


• Deutsche Bank National Trust Company v. %e&is; Filed 9/24/2007; Case No. 1:2007cv02903;

Disposed 12/12/2007; Judge esle !S

•

Deutsche Bank National Trust Company v. McFarla; Filed 7/10/2007; Case No. 1:2007cv02042;Disposed 12/12/2007; Judge esle !S

• Deutsche Bank National Trust Company v. *ones; Filed 4/23/2007; Case No. 1:2007cv0116#;

Disposed 12/12/2007; Judge esle !S

• Deutsche Bank National Trust Company v. +enders; Filed 10/6/2007; Case No. 1:2007cv030#9;

Disposed 12/20/2007; Judge Sa&a "+"

• Deutsche Bank National Trust Company v. *ackson; Filed 9/12/2007; Case No. 1:2007cv027*3;

Disposed 12/20/2007; Judge Sa&a "+"

• +#BC Mortgage #ervices) Inc. v. +ilty ; Filed 3/30/2007; Case No. 2:2007cv00279; Disposed

12/27/2007; Judge Jo- D. )+SC)()


100/107

• !MC Mortgage Corporation v. 'ashington; Filed 3/1#/2007; Case No. 2:2007cv0022#; Disposed

12/27/2007; Judge Jo- D. )+SC)()

• ,reen-oint Mortgage Funding v. Cook ; Filed 2/27/2007; Case No. 2:2007cv001##; Disposed

12/27/2007; Judge Jo- D. )+SC)()

• +ousehold ealty Corporation v. McCord ; Filed 11/#/2007; Case No. 2:2007cv011*0; Disposed

12/27/2007; Judge Jo- D. )+SC)()Wells Fargo Bank, N.A. v. Raines; Filed 10/2/2007; Case o!

• Dells @argo ;ank+ H.A. &. ;yr'+ =24 +hio A$$.3d 14@( 14>+hio>C3• 2"2007#$0111-; Dis(osed 12/27/2007; )udge )ohn D! .SC3

• Deutsche Bank Trust Company Americas v. ,lass; Filed 9/21/2007; Case No. 2:2007cv009#3;

Disposed 12/27/2007; Judge Jo- D. )+SC)()

• "ption "ne Mortgage Corporation v. Merrit ; Filed #/#/2007; Case No. 2:2007cv00*3#; Disposed

12/27/2007; Judge Jo- D. )+SC)()

• Deutsche Bank National Trust Company v. +all ; Filed 7/30/2007; Case No. 2:2007cv00731; Disposed

12/27/2007; Judge Jo- D. )+SC)()

• Wells Fargo Bank, N.A. v. Muse; Filed 7/27/2007; Case o! 2"2007#$00727; Dis(osed

12/27/2007; )udge )ohn D! .SC3

• %a#alle Bank National Association v. Claypoole; Filed 7/24/2007; Case No. 2:2007cv0070#; Disposed

12/27/2007; Judge Jo- D. )+SC)()

• +udson City #avings Bank) F#B v. Castle$erry ; Filed 7/#/2007; Case No. 2:2007cv00#42; Disposed

12/27/2007; Judge Jo- D. )+SC)()

• Wells Fargo Bank, N.A. v. Clossman; Filed //2007; Case o! 2"2007#$00&%; Dis(osed

12/27/2007; )udge )ohn D! .SC3

• Nova#tar Mortgage) Inc. v. Nelson; Filed */11/2007; Case No. 2:2007cv00423; Disposed

12/27/2007; Judge Jo- D. )+SC)()

• +#BC Mortgage #ervices) Inc. v. ing; Filed 10/11/2007; Case No. 2:2007cv01047; Disposed

12/27/2007; Judge Jo- D. )+SC)()8N+: e $'C Case Name "-de %&u-ca%es %e pa&%ies -ames a%e& *0 ca&ac%e&s. " %e

Dee-da-%s -ame loo Case Num>e& a-d Fili-g

Da%e.?

Authorities 3Part. 3, 3,terest Case La7

S"ealy v& %amp0ell 1E/* 20 O"io St'Dd 2D* 2@& 5"e urose be"i,d t"e real-art.-i,-i,terestre?uire+e,t is \to e,able t"e de#e,da,t to avail "i+sel# o# evide,ce a,d de#e,ses t"at t"e de#e,da,t"as aai,st t"e real art. i, i,terest* a,d to assure "i+ #i,alit. o# t"e 8ud+e,t* a,d t"at "e 7ill be rotected aai,st a,ot"er suit brou"t b. t"e real art. at i,terest o, t"e sa+e +atter'\ 3d' at 2@-2*?uoti, 7n re*ig"land *oliday Su0division 1E=1* 2= O"io A'2d 2D=* 2@0'

3, #oreclosure actio,s* t"e real art. i, i,terest is t"e curre,t "older o# t"e ,ote a,d +ortae'%"ase Man"attan Mtge& %orp& v& Smit"* %a+ilto, A' &o' C-06106E* 200=-O"io-/=@* at [1/G

(ramer v& Millott Set' 2D* 1EE@* (rie A' &o' (-E@- because t"e lai,ti## did ,ot rovet"at s"e 7as t"e "older o# t"e ,ote a,d +ortae* s"e did ,ot establis" "ersel# as a real art. i,i,terest'

A art. 7"o #ails to establis" itsel# as t"e curre,t "older is ,ot e,titled to 8ud+e,t as a +attero# la7' First +nion #atl& Bank v& *ufford 2001* 1@6 O"io A'Dd 6=D* 6==* 6=E-6/0'


101/107

5"us* i, *ufford * t"e 5"ird )istrict &o' 0=AP-61 Court o# Aeals reversed a ra,t o#su++ar. 8ud+e,t 7"ere a urorted +ortaee #ailed to roduce su##icie,t evide,ce elai,i, orde+o,strati, its ri"t to t"e ,ote a,d +ortae at issue' 3, t"at case* t"e record co,tai,ed o,l.i,#ere,ces a,d bald assertio,s a,d ,o clear state+e,t or docu+e,tatio, rovi, t"at t"e orii,al"older o# t"e ,ote a,d +ortae tra,s#erred its i,terest to t"e aellee' 3d & at 6=/' 5"e #ailure to rove7"o 7as t"e real art. i, i,terest created a e,ui,e issue o# +aterial #act t"at recluded su++ar.

8ud+e,t' 3d' at 6=E-6/0' Si+ilarl.* i, Was"ington Mut& Bank, F&'& v& 6reen 200@* 16 O"io A'Dd@61* t"e Seve,t" )istrict Court o# Aeals reversed t"e trial court\s #i,di, o# su++ar. 8ud+e,t7"ere t"e lai,ti## #ailed to rove t"at it 7as t"e "older o# t"e ,ote a,d +ortae' 5"ere* t"e de#e,da,teecuted a ,ote a,d +ortae i, #avor o# C"eck \, Jo Mortae Services* ,ot


102/107

7"at t"e. eect o# t"e )ebtor' 3t 7ill ,ot tolerate a le,ders or sevicers disreard #or

t"e rules t"at over, litiatio,* i,cludi, co,tested +atters* i, t"e #ederal courts' 3t is t"e

creditors reso,sibilit. to kee a borro7er a,d t"e Court i,#or+ed as to 7"o o7,s t"e

,te a,d +ortae a,d is servici, t"e loa,* ,ot t"e borro7ers or t"e Courts

reso,sibilit. to #erret out t"e trut"';


103/107

Securities a,d (c"a,e Act o# 1ED@ S(C' Ea 1ABC* 2* @*6b12D* 6c*de

+thers

Authorties 2

%a,d7riti, A,al.sis !au0ert v& Merrill !o3 P"armaeutials, 7n&, 0E 'S' =E 1EED&35() S5A5(S OF AM(R3CA* PlaintiffE'ppellee,v' ^ &o' 01-@ED PA5R3C L(RON CR3SP

Federal Code* Rules 9 Reulatio,s

H.).). > 3>13 Bb% $ransfer of an instrument, 3"et"er or not t"e transfer is a negotiation,vests in t"e transferee any rig"t of t"e transferor to enfore t"e instrument, inluding any rig"t as a"older in due ourse, but the transeree cannot acuire rights o a hol'er in 'ue course by a transer+

'irectly or in'irectly+ ro( a hol'er in 'ue course i the transeree engage' in rau' or illegalityaecting the instru(ent.”

As stated i, Bukeye Federal Sav& 5 .oan 'ss’n v& 6arlinger 1EE1* 62 O"io St' Dd D12* D1stati, :ro+issor. ,otes are ,eotiable i,stru+e,ts u,der R'C 1D0D'DA;

Accordi, to O"io Revised Code* i, order #or a ,eotiable i,stru+e,t to be roerl.tra,s#erred* it +ust be ,eotiated' R'C' 1D0D'21B' &eotiatio, i,cludes ,ot o,l. t"e ".sical

tra,s#er o# t"e i,stru+e,t but also t"e i,dorse+e,t* 'C'C D-201* b. t"e "older to tra,s#eree* 7"ic"o# course* +ust be i, 7riti,' 7d&8 &%& 1D0D'22'

section 3>3@Bb% of the ReEised Article 5hree of the Hniform )ommercial )odeSecurities (c"a,e Act o# 1ED@

S(C' 10A a12D*

S(C' Ea 1ABC* 2* @* 6b12D* 6c*de*

O"io Revised CodeR'C 1D0D'DA;R'C' 1D0D'21B' &%& 1D0D'22

)iE. Rule =2BA%)iER =1

H.S. Statute of &rauds

HS Law of )ontracts

)iE. Rule =2A


104/107

Aut"orities :A;

-R',& 'N SH!!+R5 +& V+'D JHD6*,N5S

4oid 8ud+e,ts are t"ose re,dered b. a court 7"ic" lacked 8urisdictio,* eit"er o# t"e sub8ect +atter ort"e arties* Wa"l v& ound 9alley Bank D/ Ariz' @11* D00 P' E 1ED1G 5ube Cit. Mi,i, 9 Milli, Co' v'Otterso,* 16 Ariz' D0* 1@6 P' 20D 1E1@G a,d Millike, v' Me.er* D11 'S' @=* 61 S'Ct' DDE* / L'(d' 2d 2=/1E@0'

A void 8ud+e,t 7"ic" i,cludes 8ud+e,t e,tered b. a court 7"ic" lacks 8urisdictio, over t"e arties ort"e sub8ect +atter* or lacks i,"ere,t o7er to e,ter t"e articular 8ud+e,t* or a, order rocured b. #raud* ca, beattacked at a,. ti+e* i, a,. court* eit"er directl. or collaterall.* rovided t"at t"e art. is roerl. be#ore t"ecourt* .ong v& S"ore0ank !evelopment %orp&* 1/2 F'Dd @/ C'A' = 3ll' 1EEE'

A void 8ud+e,t is o,e 7"ic"* #ro+ its i,cetio,* 7as a co+lete ,ullit. a,d 7it"out leal e##ect* .u00en v& Selevtive Servie System .oal Bd& #o& >A * @D F'2d 6@* 1@ A'L'R' Fed' 2E/ C'A' 1 Mass' 1E=2'

A void 8ud+e,t is o,e 7"ic" #ro+ t"e bei,,i, 7as co+lete ,ullit. a,d 7it"out a,. leal e##ect* *o00s v& +&S& )ffie of Personnel Management * @/ F'Su' @6 M')' Fla' 1E/0'

4oid 8ud+e,t is o,e t"at* #ro+ its i,cetio,* is co+lete ,ullit. a,d 7it"out leal e##ect* *olstein v&%ity of %"iago* /0D F'Su' 20* reco,sideratio, de,ied 1@E F'R')' 1@=* a##ir+ed 2E F'Dd 11@ &')' 3ll 1EE2'

4oid 8ud+e,t is o,e 7"ere court lacked erso,al or sub8ect +atter 8urisdictio, or e,tr. o# orderviolated due rocess* 'S'C'A' Co,st' A+e,d' - 5riad (,er. Cor' v' Mc&ell 110 F'R')' D/2 S')'&'N'1E/6'

$ud+e,t is a void 8ud+e,t i# court t"at re,dered 8ud+e,t lacked 8urisdictio, o# t"e sub8ect +atter* oro# t"e arties* or acted i, a +a,,er i,co,siste,t 7it" due rocess* Fed' Rules Civ' Proc'* Rule 60b@* 2/'S'C'A'* 'S'C'A' Co,st' A+e,d' - (lug" v& +&S&* 620 F'Su' /E2 )'S'C' 1E/'

A void 8ud+e,t is o,e 7"ic"* #ro+ its i,cetio,* 7as* 7as a co+lete ,ullit. a,d 7it"out leal e##ect* u0in v& Jo"ns* 10E F'R')' 1=@ )' 4iri, 3sla,ds 1E/'

A void 8ud+e,t is o,e 7"ic"* #ro+ its i,cetio,* is a,d #orever co,ti,ues to be absolutel. ,ull* 7it"outleal e##icac.* i,e##ectual to bi,d t"e arties or to suort a ri"t* o# ,o leal #orce a,d e##ect 7"atever* a,di,caable o# e,#orce+e,t i, a,. +a,,er or to a,. deree - .oyd v& !iretor, !ept& of Pu0li Safety* @/0 So' 2d== Ala' Civ' A' 1E/'

A 8ud+e,t s"o7, b. evide,ce to be i,valid #or 7a,t o# 8urisdictio, is a void 8ud+e,t or at all eve,ts"as all attributes o# a void 8ud+e,t* %ity of .os 'ngeles v& Morgan* 2D@ P'2d D1E Cal'A' 2 )ist' 1E1'

4oid 8ud+e,t 7"ic" is sub8ect to collateral attack* is si+ulated 8ud+e,t devoid o# a,. ote,c. because o# 8urisdictio,al de#ects* Ward v& $erriere* D/6 P'2d D2 Colo' 1E6D'

A void 8ud+e,t is a si+ulated 8ud+e,t devoid o# a,. ote,c. because o# 8urisdictio,al de#ects o,l.* i,t"e court re,deri, it a,d de#ect o# 8urisdictio, +a. relate to a art. or arties* t"e sub8ect +atter* t"e cause o#actio,* t"e ?uestio, to be deter+i,ed* or relie# to be ra,ted* !avidson %"evrolet, 7n& v& %ity and %ounty of !enver * DD0 P'2d 1116* certiorari de,ied =E S'Ct' 60E* DE 'S' E26* D L'(d' 2d 62E Colo' 1E/'

4oid 8ud+e,t is o,e e,tered b. court 7it"out 8urisdictio, o# arties or sub8ect +atter or t"at lacksi,"ere,t o7er to +ake or e,ter articular order i,volved a,d suc" a 8ud+e,t +a. be attacked at a,. ti+e*


105/107

eit"er directl. or collaterall.* People v& Wade* 06 &'


106/107

A void 8ud+e,t is o,e 7"ic" "as a +ere se+bla,ce* but is lacki, i, so+e o# t"e esse,tial ele+e,ts7"ic" 7ould aut"orize t"e court to roceed to 8ud+e,t* *enderson v& *enderson* E S'(' 2d 22=* &'C' 1E0'

4oid 8ud+e,t is o,e e,tered b. court 7it"out 8urisdictio, to e,ter suc" 8ud+e,t* State v& Blankens"ip*6= &'(' 2d 1D0D* O"io A' E )ist' 1EE6'

4oid 8ud+e,t* suc" as +a. be vacated at a,. ti+e is o,e 7"ose i,validit. aears o, #ace o# 8ud+e,t

roll* 6raff v& (elly* /1@ P'2d @/E Okl' 1EE1'

A void 8ud+e,t is o,e t"at is void o, #ace o# 8ud+e,t roll* %apital Federal Savings Bank v& Be3ley*=E P'2d 101 Okl' 1EE0'

A void 8ud+e,t is o,e i, 7"ic" t"e 8ud+e,t is #aciall. i,valid because t"e court lacked 8urisdictio, oraut"orit. to re,der t"e 8ud+e,t* State v& i"ie* 20 S'


107/107

3,validit. ,eed to aear o, #ace o# 8ud+e,t alo,e t"at 8ud+e,t or order +a. be said to bei,tri,sicall. void or void o, its #ace* i# lack o# 8urisdictio, aears #ro+ t"e record* %rokett )il %o& v& /ffie* D=@S'