Loan modification,collection,foreclosure

Posted on Posted in Mortgage

review

I am on the line with J.P. Morgan Clearing Corp. located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( ph # XXXX ). I have asked them for information related to when my loan entered the XXXX XXXX XXXX Trust and if they are able to locate my loan in the specific pool that XXXX XXXX claims it is in ( pool # XXXX ). In XX/XX/XXXX XXXX XXXX executed an assignment naming EMC Mortgage Corp. as beneficiary. However, EMC Mortgage Corp. claimed they never had interest and never were a beneficiary. Now XXXX XXXX claims that XXXX XXXX is the beneficiary for the XXXX XXXX XXXX Trust. Under XXXX XXXX XXXX Trustee for a trust can not be a beneficiary. After EMCs and XXXX XXXX admittance in court that they were never the beneficiary, XXXX XXXX did another assignment for EMC Mortgage Corp as their attorney in fact, making an assignment to XXXX XXXX as Beneficiary for the XXXX XXXX XXXX Trust. ( EMC Mortgage Corp. has been non existent for years before this new assignment made by XXXX XXXX as attorney in fact for EMC ). I have been given anything and everything but the truth and the entities I am dealing with only know how to re-create and/or fabricate documents to make their story appear legitimate. Through their deceptive doings, I have been railroaded in all directions in dealing with the true party of interest and going to face to face meetings under the foreclosure statutes in my state. Monies I paid into the court registry faithfully were returned to me due to false entities appearing as the beneficiary. I have paid approx. $ 200K direct to XXXX XXXX since XX/XX/XXXX. The majority of those funds paid were after my Chapter XXXX BK in XX/XX/XXXX where I was no longer a legal obligor, as the loan was never re-affirmed. In good faith I paid approx. $ 150K direct to XXXX XXXX after my BK discharge. I want to know what XXXX XXXX did with those payments as they claim they sold the loan on the secondary market in XX/XX/XXXX. I have never had any other statements or notifications from any other entity but XXXX XXXX. My call is coming to an end. XXXX took my call and put me on hold and talked to the higher ups he said and they are not able to find my loan anywhere tied to the trust. That is the answer I just received! Why is this so difficult? Is it because the note and DOT are no longer the security instruments and they have been converted to pass thru certificates earning money on the inside and then the note and mortgage remain on the outside? Something once again just does not add up. It never has. Thank you.

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