Well like the rest of us I too have been unfairly treated by Countrywide Home Loans. First of all Countrywide cannot and has not validated the debt. I am being sued by Mortgage Electronics Registration Systems who say they are the note holder of my mortgage, however it seems that Countrywide says they are the note holder of the loan and so does Fannie Mae. Now all three cannot hold the note to my mortgage.
I had started out with GreenPoint mortgage and they Countrywide said they bought my loan because they always buy bad debt type loans (huh I was never a day late and my record online showed that) It wasn't until I asked for details of my account that all of this started and I realized they do not hold the note and neither does MERS nor Fannie Mae because not a one of them has yet to prove or show me the note. Now under Federal Debt Collection Practices Act and RESPA laws and Truth in Lending laws they are suppose to be able to give me a certified copy of the note. No one can do this and my mortgage papers say that if I don't pay the correct note holder the orginal (real) note holder will still be due there money.
HELLO this is strange isn't it? Think about it they cannot validate the loan but yet they want me to pay them and I never signed anything with them. So, I stopped paying I could not see having to pay this over again since I did not know who to pay. Fannie Mae is supposed to be the investor of my account and Countrywide the note holder then how in the heck can MERS be sueing me for foreclosure now? Courts aren't helping at all they will let the mortgage companies get away with murder they are only saying the papers I filed about this and quoting the law are "frivilous".
Nora
Biglerville, Pennsylvania
Virgin Islands (U.S.)
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