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Help Us Hold Wells Fargo Accountable-Sign the Petition!
Click the link below, log in and sign the petition.
If you don't have a White House "We the People" account, you need to create an account, then sign the petition.
Dear President Obama, Will you spare an hour of your time with a responsible, law-biding middle class veteran family?
Click the link below, log in and sign the petition.
If you don't have a White House "We the People" account, you need to create an account, then sign the petition.
Dear President Obama, Will you spare an hour of your time with a responsible, law-biding middle class veteran family?
Wells
Fargo is guilty of grossly inflating the value of our home, originating
a fraudulent loan, illegally foreclosing our home, and falsifying IRS
tax forms.
And tragically, we're not alone. Wells Fargo is the largest Mortgage Lender in the country and thousands, if not tens of thousands, have fallen victim to Wells Fargo's mortgage practices.
We're fed up and starting a petition to hold Wells Fargo accountable for stealing our home, and our American Dream.
Will you stand up to Wells Fargo and sign the petition?http://www.change.org/petitions/tell-nevada-attorney-general-to-stop-wells-fargos-predatory-mortgage-lending-practices
Donna rallies Attorneys General to hold banks accountable, Washington D. C. March 7th, 2010.And tragically, we're not alone. Wells Fargo is the largest Mortgage Lender in the country and thousands, if not tens of thousands, have fallen victim to Wells Fargo's mortgage practices.
We're fed up and starting a petition to hold Wells Fargo accountable for stealing our home, and our American Dream.
Will you stand up to Wells Fargo and sign the petition?http://www.change.org/petitions/tell-nevada-attorney-general-to-stop-wells-fargos-predatory-mortgage-lending-practices
Six year old pleas: Dear Wells Fargo, Why Did You Foreclose on My Mom?
Faces of Foreclosure: Family won't give up - The evidence is piling... Where's the accountability?
Wells Fargo believes that it can use its financial and political influence to manupulate the truth in how it defrauded us. 'TOO BIG TO FAIL' should never be 'TOO BIG TOO JAIL'. We are here to confront Wells Fargo's public lies and expose Wells Fargo and its foreclosure mill gangs to the world. See how Local Couple Takes on Wells Fargo Bank, in the article by local San Leandro Patch.
In the past, if you rip off the rich, you go to jail. Bernard Madoff is the perfect example. If you rip off the poor and the working middle class, you get bail out. Now, we DEMAND if you rip off the poor and the working middle class, you will go to jail too.
When Wells Fargo was defrauded like us, Wells Fargo screamed foul, demanded to rescind the loans, when refused, Wells Fargo sued like we did. In its lawsuit, Wells Fargo referred loans as to which inaccurate or untrue representations or warranties were made as the "Ineligible Loans" (inasmuch as those loans were not eligible to be sold to Wells Fargo in the first place.) Click on the following link to see case: Wells Fargo Bank, N.A. vs. Quiken Loans Inc.
Here are the facts on how Wells Fargo Bank defrauded us, including court filings:
Wells Fargo’s fraudulent appraisal valued our home for $718,000. Click on the link to view: Fraudulent Appraisal.
In July, 2006, Wells Fargo Bank promised us that after its investigation, if proven the appraisal was fraudulent, it would help us to rescind the contract and help us to recover all our financial losses.
Result:
In August, 2006, Wells Fargo Bank completed its investigation. Its own review appraisal valued our home for $475,000. My home was inflated by $243,000.
Wells Fargo Bank initiated massive cover-up scheme and refused to carry out its promises to rescind the contract and help us to recover all our financial losses. Wells Fargo wrote us letters stating that "WFHM underwriting reviewed the (fraudulent) appraisal and it was found acceptable for our lending purposes." Basically, Wells Fargo is telling us that it is "legal" to make mortgage loans based on fraudulent and hugely inflated appraisals. However, based on Nevada State Statute NRS 205.372 Crime against Property, it is a Category C felony.
In March, 2007, we filed lawsuit against Wells Fargo bank for violation of Federal Truth-in-Lending, NRS 205.372 Crime against Property, Breach of Contract, Breach of Fiduciary Duty, Breach of Warranty, Fraud and Misrepresentation, Bad Faith, Punitive Damages and Negligence and Other Relief.
In June, 2008, after two years into the investigation, the Attorney General’s office ruled that Wells Fargo’s appraisal was fraudulent and suspended the appraiser’s license for committing appraisal fraud on our home. Complete Attorney General’s ruling and Wells Fargo Bank's and Rels Evaluation’s written lies can also be found under the Attorney General’s Ruling tab or the following link: Click to see Attorney General’s ruling.
Almost 2-years into our lawsuit, with the following clear evidences, there was no judgment:
Bank’s fraudulent appraisal - valued our home for $718,000.
Bank’s own review appraisal - valued our home for $475,000.
Based on the Attorney General’s ruling, the appraisal used by Wells Fargo bank for our mortgage loan transaction was fraudulent and suspended the appraiser’s license.
During our first settlement conference, Chief Judge Connie Steinheimer told us that “there are NO LAWS in United States governing the appraisal and mortgage fraud situation we are in.” We immediately requested the Chief Judge Connie Steinheimer to record the conversation. However, she refused. We then clearly expressed to Chief Judge Connie Steinheimer that we believed that there are State and Federal laws governing appraisal and mortgage fraud situations we are in. If not, we would contact all government entities relevant to making laws to ensure that homeowners are protected from appraisal and mortgage fraud. We interpreted Chief Judge Connie Steinheimer's position as misleading and an abuse of her judicial power.
Shortly after, just weeks before Chief Judge Connie Steinheimer’s scheduled summary judgment ruling, she transferred the case to Judge Robert Perry, citing work overload.
In March, 2009, 2 months 3 days after Judge Robert Perry received our case, despite of the material facts, he dismissed our lawsuit on the ground of no merits. He made his summary judgment ruling in favor of Wells Fargo bank, Rels Evaluation and the appraiser T. J. Magee, who lost his license for the fraudulent appraisal he did on our home. Most erroneously, Judge Robert Perry also awarded and allowed the convicted appraiser to collect $4,718.56 attorney fees from us, the direct victims of his actual appraisal fraud.
District Court Chief Judge Connie Steinheimer and Judge Robert Perry never addressed our complaints that it is illegal for Wells Fargo to make mortgage loan to us based on fraudulent and hugely inflated appraisal.
In April, 2009, we filed notice of appeal with Supreme Court.
January, 12th, 2010, Wells Fargo Bank filed notice of default against our home based on fraudulent appraisal and mortgage loan.
February 18th, 2010, we filed motion for stay pending Supreme Court appeal with the District Court.
During our first settlement conference, Chief Judge Connie Steinheimer told us that “there are NO LAWS in United States governing the appraisal and mortgage fraud situation we are in.” We immediately requested the Chief Judge Connie Steinheimer to record the conversation. However, she refused. We then clearly expressed to Chief Judge Connie Steinheimer that we believed that there are State and Federal laws governing appraisal and mortgage fraud situations we are in. If not, we would contact all government entities relevant to making laws to ensure that homeowners are protected from appraisal and mortgage fraud. We interpreted Chief Judge Connie Steinheimer's position as misleading and an abuse of her judicial power.
Shortly after, just weeks before Chief Judge Connie Steinheimer’s scheduled summary judgment ruling, she transferred the case to Judge Robert Perry, citing work overload.
In March, 2009, 2 months 3 days after Judge Robert Perry received our case, despite of the material facts, he dismissed our lawsuit on the ground of no merits. He made his summary judgment ruling in favor of Wells Fargo bank, Rels Evaluation and the appraiser T. J. Magee, who lost his license for the fraudulent appraisal he did on our home. Most erroneously, Judge Robert Perry also awarded and allowed the convicted appraiser to collect $4,718.56 attorney fees from us, the direct victims of his actual appraisal fraud.
District Court Chief Judge Connie Steinheimer and Judge Robert Perry never addressed our complaints that it is illegal for Wells Fargo to make mortgage loan to us based on fraudulent and hugely inflated appraisal.
In April, 2009, we filed notice of appeal with Supreme Court.
January, 12th, 2010, Wells Fargo Bank filed notice of default against our home based on fraudulent appraisal and mortgage loan.
February 18th, 2010, we filed motion for stay pending Supreme Court appeal with the District Court.
March 9th, 2010, Wells Fargo Bank filed opposition to our motion for stay. In
its opposition, it quoted Chief Judge’s statement “there are no laws in
United States governing the appraisal and mortgage fraud situation we
are in.” as grounds of its defense and the reason for denying our motion
for stay.
March 22nd, 2010, we filed a reply to Defendants’ opposition with District Court.
March 25th, 2010, District Court Judge Robert Perry denied our motion on the grounds that he has no jurisdiction. It’s
an erroneous ruling and pure tactics to aid Wells Fargo bank in abusing
the judicial system and encouraging Wells Fargo Bank further to
victimize us.
April 1st, 2010, we filed motion for stay pending appeal with Supreme Court.
April 8th, 2010, Supreme Court denied our motion for stay. Supreme Court never addressed our statements listed in the motion for stay:
(a) It is illegal for Wells Fargo to make mortgage loan to us based on fraudulent appraisal.
(b) It is illegal for Wells Fargo to foreclose our home based on fraudulent appraisal and mortgage loan.
April 19th, 2010, we filed the Opening Statement with the Supreme Court. We are waiting for Supreme Court’s ruling.
June 1st, 2010, we filed Motion to Enlarge Time to File Reconsideration and Emergency Motion for Reconsideration. Nevada Supreme Court denied our motion to save our home.
June 15th, 2010 we filed the Lis Pendens with Nevada Supreme Court, alerting everyone that there is litigation on our home. However, November 3, 2010, Wells Fargo instructed its attorneys to file with Nevada Second Judicial District Court to dismiss our Lis Pendens and demand us to appear in front of the Judge to show cause why Wells Fargo can't foreclose our home based on fraudulent appraisal and fraudulent mortgage loan. Here is our response: Motion to Dismiss Expunge of Lis Pendens.
This is how Wells Fargo's counsels address our Motion to Dismiss Expunge of Lis Pendens. Wells Fargo Counsels non-defense defense. Most obviously, Wells Fargo's counsels made no defense or explanation on how its client Wells Fargo can legally under Nevada State Law to
(a) It is illegal for Wells Fargo to make mortgage loan to us based on fraudulent appraisal.
(b) It is illegal for Wells Fargo to foreclose our home based on fraudulent appraisal and mortgage loan.
April 19th, 2010, we filed the Opening Statement with the Supreme Court. We are waiting for Supreme Court’s ruling.
June 1st, 2010, we filed Motion to Enlarge Time to File Reconsideration and Emergency Motion for Reconsideration. Nevada Supreme Court denied our motion to save our home.
June 15th, 2010 we filed the Lis Pendens with Nevada Supreme Court, alerting everyone that there is litigation on our home. However, November 3, 2010, Wells Fargo instructed its attorneys to file with Nevada Second Judicial District Court to dismiss our Lis Pendens and demand us to appear in front of the Judge to show cause why Wells Fargo can't foreclose our home based on fraudulent appraisal and fraudulent mortgage loan. Here is our response: Motion to Dismiss Expunge of Lis Pendens.
This is how Wells Fargo's counsels address our Motion to Dismiss Expunge of Lis Pendens. Wells Fargo Counsels non-defense defense. Most obviously, Wells Fargo's counsels made no defense or explanation on how its client Wells Fargo can legally under Nevada State Law to
- originate mortgage loan based on hugely inflated and fraudulent appraisal.
- knowingly record Notice of Default and Notice of Sale based on fraudulent appraisal and fraudulent mortgage loan.
- knowingly, wrongfully foreclose home based on fraudulent appraisal and fraudulent mortgage loan.
It
took substantial time for Washoe County Second Judicial Court to deny
Wells Fargo's frivolous Motion to Expunge our Lis Pendens, citing no
jurisdiction. Court's Ruling Denying Wells Motion to Expunge Lis Pendens.
We have to file Motion and challenge the Court's jurisdiction to
facilitate Wells Fargo's counsels to abuse judicial process and commit
Fraud on the Court.
Almost
a year ago, Wells Fargo's counsels didn't even have to responde to our
Motion for Stay before Washoe County Second Judicial Court to deny our
Motion for Stay, citing no jurisdiction. It also took considerable less
time for the Court to make its ruling.
January, 2011, Wells Fargo falsified IRS 1099-A form by listing Freddie Mac as our mortgage lender, and attempted to write off its fraudulent mortgage loan for Freddie Mac.
February, 2011, Freddie Mac confirmed in writing that our mortgage loan was not Freddie Mac’s mortgage loan.
We forwarded Freddie Mac written confirmation to Wells Fargo and demanded it to notify IRS that we don’t owe income tax on the deficiency on Wells Fargo’s fraudulent mortgage loan. Wells Fargo stated that it found no error on its 1099-A form by listing Freddie Mac as our mortgage lender. Wells Fargo further stated that it has sold our loan to a pool of investors which was managed by U.S. Bank.
Couple of weeks after we confronted Wells Fargo and Freddie Mac, Wells Fargo's CFO and Freddie Mac's COO both resigned just one day apart from each other. We highly suspect the resignations were triggered by Wells Fargo irregularity of fillings.
March, 2011, Wells Fargo updated its 1099-A form by changing the mortgage lender from Freddie Mac to Wells Fargo, knowing that it no longer owns the mortgage loan.
This is tax fraud against us, the IRS and taxpayers!
We demanded that Wells Fargo disclose the list of investors, but Wells Fargo refused to disclose the list of investors who own our mortgage loan. All the investors who own our mortgage loan have the right to know the fact that Wells Fargo sold them a fraudulent mortgage loan.
It's been a 6-year battle and almost 4 of them in Nevada Courts fighting against Wells Fargo's loan origination fraud, wrongful foreclosure and fraud on the court. We will fight until justice prevails.
January, 2011, Wells Fargo falsified IRS 1099-A form by listing Freddie Mac as our mortgage lender, and attempted to write off its fraudulent mortgage loan for Freddie Mac.
February, 2011, Freddie Mac confirmed in writing that our mortgage loan was not Freddie Mac’s mortgage loan.
We forwarded Freddie Mac written confirmation to Wells Fargo and demanded it to notify IRS that we don’t owe income tax on the deficiency on Wells Fargo’s fraudulent mortgage loan. Wells Fargo stated that it found no error on its 1099-A form by listing Freddie Mac as our mortgage lender. Wells Fargo further stated that it has sold our loan to a pool of investors which was managed by U.S. Bank.
Couple of weeks after we confronted Wells Fargo and Freddie Mac, Wells Fargo's CFO and Freddie Mac's COO both resigned just one day apart from each other. We highly suspect the resignations were triggered by Wells Fargo irregularity of fillings.
March, 2011, Wells Fargo updated its 1099-A form by changing the mortgage lender from Freddie Mac to Wells Fargo, knowing that it no longer owns the mortgage loan.
This is tax fraud against us, the IRS and taxpayers!
We demanded that Wells Fargo disclose the list of investors, but Wells Fargo refused to disclose the list of investors who own our mortgage loan. All the investors who own our mortgage loan have the right to know the fact that Wells Fargo sold them a fraudulent mortgage loan.
It's been a 6-year battle and almost 4 of them in Nevada Courts fighting against Wells Fargo's loan origination fraud, wrongful foreclosure and fraud on the court. We will fight until justice prevails.
Here is our Motion for Sanction for Frivolous Motion.
We
hope that our determination in holding Wells Fargo accountable will
inspire you to join the fight. The bottom line is that same laws shall
also apply to big banks like Wells Fargo. If Wells Fargo and its
counsels committ the fraud on the court, they should be held
accountable.
See How Bank Foreclosure Procedures Are Now Closely Scrutinized.
See How Bank Foreclosure Procedures Are Now Closely Scrutinized.
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Rise in Sexual Assaults in Egypt Sets Off Clash Over Blame
Mohamed Abd El Ghany/Reuters
Women in Cairo's Tahrir Square protested on the second anniversary of the revolution on Jan. 25.
By MAYY EL SHEIKH and DAVID D. KIRKPATRICK
Published: March 25, 2013 370 Comments
CAIRO — The sheer number of women sexually abused and gang raped in a
single public square had become too big to ignore. Conservative
Islamists in Egypt’s new political elite were outraged — at the women.
Tara Todras-Whitehill for The New York Times
Hania Moheeb described her rape in a television interview.
Readers’ Comments
Share your thoughts.
“Sometimes,” said Adel Abdel Maqsoud Afifi, a police general, lawmaker
and ultraconservative Islamist, “a girl contributes 100 percent to her
own raping when she puts herself in these conditions.”
The increase in sexual assaults over the last two years has set off a
new battle over who is to blame, and the debate has become a stark and
painful illustration of the convulsions racking Egypt as it tries to
reinvent itself.
Under President Hosni Mubarak, the omnipresent police kept sexual
assault out of the public squares and the public eye. But since Mr.
Mubarak’s exit in 2011, the withdrawal of the security forces has
allowed sexual assault to explode into the open, terrorizing Egyptian
women.
Women, though, have also taken advantage of another aspect of the
breakdown in authority — by speaking out through the newly aggressive
news media, defying social taboos to demand attention for a problem the
old government often denied. At the same time, some Islamist elected
officials have used their new positions to vent some of the most
patriarchal impulses in Egypt’s traditional culture and a deep hostility
to women’s participation in politics.
The female victims, these officials declared, had invited the attacks by
participating in public protests. “How do they ask the Ministry of
Interior to protect a woman when she stands among men?” Reda Saleh Al
al-Hefnawi, a lawmaker from the Muslim Brotherhood’s political party, asked at a parliamentary meeting on the issue.
The revolution initially promised to reopen public space to women. Men
and women demonstrated together in Tahrir Square peacefully during the
heady 18 days and nights that led to the ouster of Mr. Mubarak. But
within minutes of his departure the threat re-emerged in a group attack
on the CBS News correspondent Lara Logan. There are no official
statistics on women attacked — partly because few women report offenses —
but all acknowledge that the attacks have grown bolder and more
violent.
By the second anniversary of the revolution, on Jan. 25, the symbolic
core of the revolution — Tahrir Square — had become a no-go zone for
women, especially after dark.
During a demonstration that day against the new Islamist-led government,
an extraordinary wave of sexual assaults — at least 18 confirmed by
human rights groups, and more, according to Egypt’s semiofficial
National Council of Women — shocked the country, drawing public
attention from President Mohamed Morsi and Western diplomats.
Hania Moheeb, 42, a journalist, was one of the first victims to speak
out about her experience that day. In a television interview, she
recounted how a group of men had surrounded her, stripped off her
clothes and violated her for three quarters of an hour. The men all
shouted that they were trying to rescue her, Ms. Moheeb recalled, and by
the time an ambulance arrived she could no longer differentiate her
assailants from defenders.
To alleviate the social stigma usually attached to sexual assault
victims in Egypt’s conservative culture, her husband, Dr. Sherif Al
Kerdani, appeared alongside her.
“My wife did nothing wrong,” Dr. Kerdani said.
In the 18 confirmed attacks that day, six women were hospitalized,
according to interviews conducted by human rights groups. One woman was
stabbed in her genitals, and another required a hysterectomy.
In the aftermath, victims of other sexual assaults around Tahrir Square
over the last two years have come forward as well. “When I see Mohamed
Mahmoud Street on television from home, my hand automatically grabs my
pants,” Yasmine Al Baramawy said in a television interview, recalling
her own attack last November.
She and a friend were each surrounded by two separate rings of
attackers, she said. Some claimed to be protecting her from others but
joined in the attack. They used knives to cut most of the clothes off
her body and then pinned her half-naked to the hood of a car. And they
continued to torment her on a slow, hourlong drive to a nearby
neighborhood, where, she said, residents finally interceded to rescue
her.
“They told people I had a bomb on my abdomen to stop anybody from rescuing me,” Ms. Baramawy said.
The attacks have underscored the failure of the Morsi government, with
its links to the Muslim Brotherhood’s political arm, to restore social
order. The comments by the president’s Islamist allies blaming the women
have proved embarrassing.
Pakinam el-Sharkawy, the president’s political adviser and the
highest-ranking woman in his administration, called such statements
“completely unacceptable.”
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