1. Bank wrongfully denied my HAMP modification, which has resulted in me no longer being able to make payments.
2. Bank falsely claimed I did not submit "proper documentation" which I did several times. This is common of Chase, but I went as far as to have my Senators office confirm what Chase wanted, sent it in and a month later have Chase say they never received it.
That's right. Chase lied to a Federal Senators office and nothing happened to them.
I'm not yet in foreclosure, but I'm late on my payments so i need to fight this before i go into foreclosure.
3. It's extremely unlikely Chase can produce the promissory note. Chase was not my original lender it was Wamu which bundled these loans up and sold them a gazillion times. By doing research I found the loan at one point went through MERS which has proven to be corrupt and forged signatures. My loan was awarded to Chase for pennies on the dollar by the FDIC which makes it very unlikely they can produce the note. If I send them a QWR asking for it, they will say they don't have to produce it.
4. I have a stack of evidence and documentation going back to May 2009 through this year. There is both a considerable punitive aspect for the hell they have put me through and also they may not be able to legally foreclose without the proper paperwork that I'm certain they don't have.
Understand, like everyone else who have lost their homes I cannot afford to HIRE a lawyer. If I had $2500 for a retainer I would be using that money to make a house payment.
How do I make Chase produce the note, make sure they don't dummy up the documents and produce a fake note? Can I stop foreclosure this way?