Consumer complaint received 2023-07-29
Company: WSFS FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Here is some info, I tried to end the prescription, I was denied, by the Clerks of Court, even though the law states that the re-prescription is exclusive. 
2011 Louisiana LawsCivil CodeCC 3368 Cancellation of prescribed judicial mortgage Universal Citation : LA Civ Code 3368 Art. 3368. Cancellation of prescribed judicial mortgage The recorder shall cancel from his records a judicial mortgage created by the filing of a judgment of a court of this state that has been reinscribed, upon the written request of any person to which is attached a certificate from the clerk of the court rendering the judgment that no suit or motion has been filed for its revival within the time required by Article 3501 or of a certified copy of a final judgment of the court rejecting the demands of the plaintiff in a suit or motion to revive the judgment.

Acts 2005, No. 169, 1, eff. Jan. 1, 2006 ; Acts 2005, 1st Ex. Sess., No. 13, 1, eff. Nov. 29, 2005. NOTE : Acts 2005, 1st Ex. Sess., No. 13, 1, changed the effective date of Acts 2005, No. 169, to
July 1, 2006.

As quickly as I can, the assignments break the chain of title in the land records. The Chain of Custody of the title was broken. Custody of the Title actually goes from XXXX XXXX  XXXX, then to XXXX  XXXX XXXX quickly in XXXX, then to XXXX in XXXX, in XX/XX/XXXX goes to XXXX XXXX XXXX. 

Whats recorded on land record is XXXX XXXX, then assigned to XXXX in XXXX, skipping XXXX completely, the signature on the assignment is a XXXX employee signing as VP. They actually had a system set up where employees could pay {$25.00} to be able to call themselves VP Either XXXX or anyone of the other member banks that make up the XXXX system. I have the article on this, its called robot signing, The next assignment was another {$25.00} as as Vice President of XXXX, Another Robo signer, this time the person was a notary in Florida and also a vice president of XXXX. 

The time of the actual transfer of the mortgage to the Assignment of the mortgage on the land records must be with inside a 15 day time period as a XXXX XXXX time period. XXXX XXXX XXXX NEVER registered, XXXX, acquired the mortgage in XXXX from XXXX but didnt register the assignment until XXXX, outside the Safe Harbor by 4 years, the Assignment to XXXX XXXX have no Idea when it was transferred, they are required to notify me 30 days before the transfer and the servicer is required to notify me by 4 months after the transfer. The assignment was recorded in XX/XX/XXXX to XXXX, I didnt know who XXXX XXXX until I saw the Writ of Seizure on the my door. See The XXXX XXXX sent a first notice of foreclosure, which is required, right after I faxed over some amendments to the loan modification contract that they didnt agree with apparently. After that a company named ( XXXX ) started the proceedings, with no notice of foreclosure previously, furthermore, XXXX wasnt on the XXXX XXXX less mentioned on the civil proceeding document at all. I was never informed of the transfer to XXXX within 30 days of the transfer and I was not given the notice of foreclosure from the company putting me in the foreclosure. Also, after the loan modification was signed in XXXX of XXXX the modification was not recorded until XXXX, outside the 30 day required time frame. The title is curative it says so on the Assignment, how can they bring the foreclosure? 

Its a Major tax matter because the XXXX XXXX rule is in place for the banks to record in a timely manner to pay the fees to the local XXXX XXXX XXXX as well as to pay local the XXXX taxes. Tax evasion, this is what the XXXX XXXX XXXX with XXXX XXXX XXXX judges vs. XXXX I mentioned, was about. To sum up the rules to Securitization of the mortgages, banks have to make XXXX successful transfers of the mortgage to put the Mortgage into the XXXX XXXX XXXX with IRS XXXX the time frame and tax filings MUST be met and filing fees as well as the TAXES paid to be in accordance with the law and in order to Securitize the loan and make literately billions off of an average {>= $1,000,000} mortgage. I have a XXXX XXXX presentation video that details this process its shows how they do a forensic mortgage audit, it explains the process and goes over some defenses to use with clients who are unaware of the elements involved in the fraud. XXXX will private label the whole thing for attorneys. This is the same issue from XXXX during the housing bubble and the XXXX scandal. This mess has forced me to take a closer look, read a lot and learn how the law works, and the history that is not talked about too much, The Banks are by law, meant to be XXXX who extend our credit from the Treasury, we pay the fees but any continuing payments to the bank is not necessary. I am the original creditor, the Mortgage contract is a, unilateral, gratuitous, unconscionable contract. There was no meeting of the minds like a in lawful contract. These hidden elements were intended to defraud me, XXXX example is the bank never put in any equity of their own like I did for the creation of this mortgage, yet they collect all the proceeds, and keeping all of My Interest over all these years. There are multiple cares act violations, they put me into regular payments, then defaulted me when I was actually on the Forbearance, I was forced to pay while in the Forbearance. The XXXX sanctioned XXXX for these Violations but they deny doing this to m, they decided to out right LIE to the XXXX in XXXX and not answer a single question with the answers to my questions. So this really makes the XXXX look real bad for covering the XXXX. The XXXX also sanctioned XXXX for a pay to pay scam that I was a victim of that also. 
How can a judge even see a unregistered note in the court? Isn't it out of the jurisdiction of the public court to handle the PRIVATE instrument? The note as we know is not a promissory note and most are made to believe, yes the word promise makes it sound like there is some kind of promise, not at all. The bank cashed the NOTE. You can see on the XXXX XXXX, I have requested the following via fax more than once before they put me in foreclosure, not excluding other documents in possession, original contract, note, truth- in lending disclosures, closure disclosure, transference contract, XXXX XXXX XXXX, XXXX filings on behalf of NAH, payoff, security interest accounts in NAH, and form XXXX, XXXX, XXXX, XXXX, XXXX ; information as to the amount of debt ; consumer statement ; verification of the banks claim or ownership of the debt. a legend to symbols used, for each presentment. I know there is 3 escrow accounts, I want to see all of them. I never received a loan, it was an extension of my own credit. Banks are the intermediary for us to treasury, The fraud the Bank is perpetrating on me and my family is truly sick and criminal. 
There is no note, I have testimony from a previous case don't even have the original wet in signature note is was either hypothecated and lost or just lost, separating the Note and the mortgage, nullifying the contract. The Judge should have know to have the Original wet ink signature note in hand before placing a finical instrument like a Writ of Seizure on my door. There is a Fax to the court as the cover for the order for foreclosure says here is the foreclosure documents we have the note. Which is not what the law requires. The Lawer and the judge should be aware of this. That would mean a big mess for a lot of other families that have been foreclosed on, they are all talking it out on the internet chat, Town hall meetings, even at the local grocery stores. The truth will set you free, but its look like it is just an insult to my intelligence in this case. 
Your time is appreciated, Thank you, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation