To Whom It May Concern, As the Foreclosure Trustee for XXXX XXXX XXXX XXXX XXXX XXXX you are obligated to follow all the rules, regulations and procedures within the California Foreclosure Civil Code sections XXXX, formerly known as the California Home Owners Bill Of Rights. According to the California Department XXXX XXXX XXXX, no foreclosure trustee is exempt from the California Foreclosure Rules, Regulations and Process. Nor can any trustee just blindly file any court documents without accurate, complete, and supported documents by competent and reliable evidence by the mortgage servicer that the trustee is representing. 

Before a default notice of any foreclosure can begin, I have the right to participate in a face-to-face meeting with the mortgager and its trustee. My request for this meeting was ignored and or denied. XXXX parties knew that I requested to meet with XXXX parties in order to understand and present any evidence that was needed to prove I was not in arrears as alleged by XXXX XXXX XXXX and Clear Recon Corporation. 

I kept requesting to create a " single point of contact '' as a borrower to prevent foreclosure actions. I requested a single point of contact whom may be an individual or a team that has the authority to perform specific responsibilities, has knowledge of my situation and current status. Who is able to provide accurate information and coordinate all documents associated with my foreclosure prevention alternatives and with/to XXXX XXXX XXXX and its trustee Clear Recon Corp. 
I explained this matter to a XXXX XXXX XXXX supervisor and its employee 's, in that XXXX XXXX XXXX would not let be get passed their collections department employees. I explained that this department ( Collections ) could not and was not authorized to service my mortgage account. I ALSO requested through the collections department that I wanted a face to face meeting with someone who was authorized to service my account. That request was ignored and or denied. I continuously disputed that my account was in arrears of any amount. That my mortgage loan was in fact current and up to date in mortgage payments, taxes and insurance payments. 

XXXX XXXX failed to pay my property taxes in a timely manner if at all. XXXX XXXX continually paid out via my escrow account, with hazard insurance three times the amount ( {$1800.00} ) of my current hazard insurance with XXXX XXXX XXXX XXXX ( {$540.00} ). XXXX XXXX further attempted to enroll myself into a program where if you are sick, injured or laid off your mortgage payments would be made for up to one year ( additional XXXX yearly charge ). I had to continually call these insurance companies and had them canceled immediately. This illegal activity continuously raised my mortgage account payment up to {$250.00} to in access of {$650.00} dollars a month. When XXXX XXXX XXXX received my account from XXXX, due to XXXX going into bankruptcy, my escrow account was closed and I was suppose to get a remittance of what remained in my escrow account ( {$1300.00} dollars ). XXXX XXXX refused to do this because they stated my account was in arrears. Yes, because of the illegal activity XXXX XXXX continually practiced. During this time I requested a payoff of my mortgage account, that is when everything went to XXXX XXXX XXXX XXXX was determined to keep my account in arrears, and force me into foreclosure. Two times I was able to get a loan with another company but XXXX XXXX XXXX refused to present a valid pay off. A internet search of XXXX XXXX XXXX one can find that this was a common practice with XXXX XXXX XXXX. It was common knowledge to everyone in the mortgage business that XXXX XXXX XXXX was a predatory company that forced thousands into bankruptcy with fraudulent and illegal pr