Source: https://fr.scribd.com/document/67911615/Quiet-Title-1
Timestamp: 2019-04-23 05:58:15+00:00

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Anthony W. Trevellick. BAYVIEW LOAN SERVICING, LLC then sold the note and deed of trust to M & T BANK. We, Gail-Joy-Bennett: Wofford, Dana E. Wofford and Mark-Evan: Bennett have authority and unalienable right to demand that the Defendants; 1.) show how and when they came to have a security interest in my private property described in Exhibit A, 2.) show how when and by what means they have filed a claim against the original land grant petitioned for and granted for the said private property described in Exhibit A, 3.) provide evidence that there is valuable consideration for the alleged bank loan, 4.) provide evidence that the Defendant M & T BANK, NATIONAL ASSOCIATION has the right to lend credit and 5.) provide evidence that the right to subrogation exists, and provide evidence that the mortgage debt complies with all requirements of the Federal and State Constitution or; 6.) forever abandon any claim of interest in our property and stop the fraudulent and scandalous action to foreclose on their fraudulent chattel paper, for which no valuable consideration was ever provided in the original mortgage.
THE BORROWER. This will be well documented by the use of a CPA or retired bank accountant as a witness, who will describe, in detail, the accounting practices that banks use when they create public currency. Neither BAYVIEW LOAN SERVICING, LLC nor the Defendant, M & T BANK, NATIONAL ASSOCIATION, hereinafter M & T BANK, used or pledged any of their own pre-existing money, pre-existing assets or depositor‟s money in the transaction. The Defendant, M & T BANK, has not and will not incur any financial loss or damages by our failure to pay the note. Furthermore, the Defendant, M & T BANK, does not have the right of subrogation as a stranger to the transaction, and as someone who has not paid the entire mortgage debt in full, see 73 AM JUR Second, Section 90.
California courts are courts of record, pursuant to Article Six of the California Constitution, and it is, therefore, is important to understand the characteristics of a court of record as follows: Please see Black‟s Law Dictionary, Fourth Edition pages 425 and 426 for further discussion of the court of record as follows; “Courts of record are those whose acts and judicial proceedings are enrolled or recorded for a perpetual memory and testimony and which have the power to fine and imprison for contempt........ A “court of record” is a judicial tribunal having attributes and exercising functions independently of the Magistrate designated generally to hold it, and proceeding according to the course of the common law, its acts and proceedings being enrolled for a perpetual memorial. Jones v. Jones; 188 Mo. App.220 175 S.W. 227, 229; Ex Parte Gladhill, 8 Metc., Mass. 171, per Shaw, C. J. See also Ledwith v Rosalski; 244 N.Y. 406,155 N.E.688, 689.” (emphasis mine).
226 US 172 (1912). The act of Congress admitting California into the union also invoked the equal footing doctrine. which are formed from the Northwest Territory. a state which is bound by the Northwest Ordinance of 1787. and places an absolute requirement on the new states upon admission to the union to be admitted into the union on an equal footing with all other states and to agree to the terms of the Northwest Ordinance of 1787.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Amendment and the Northwest Ordinance of 1787. Our one supreme court. which makes California. any action must be adjudicated under common law pursuant to the Seventh Amendment. The Northwest Ordinance of 1787 also mandates judicial proceedings under the course of the common law. On dry land. I am entitled to a common law trial by the jury. See Callan v. and their government. in Article Two. United States of America. which is now styled as Superior court was created by constitutional convention on the seventeenth day of the ninth month in the year of our Lord one thousand -seven -hundred and eighty -seven. and is not to be confused with the United States Supreme Court which was created by congress in the year of our Lord one thousand -seven hundred and eighty -nine as an inferior court to our one supreme court. Additionally. a court of record is a court which exercises jurisdiction under the course of the common law. Any reference back to the original Judiciary Acts of Congress or other historical documents will confirm that this is what was described by the phrase “one supreme court” in Article Three of the original Constitution for the United States of America. please see Blacks Law Dictionary. under Article Two. Fourth Edition. Under the Seventh Amendment to the Constitution for the united States of America. 127 US 540 (1888) for authority that Article Three of the United States Constitution provides for and mandates common law jurisdiction and venue. Requirements cannot be placed on some states and not others under the equal footing doctrine. 443 Cans of Frozen Egg Product v. pages 425 and 426. California is on an equal footing with all other states such as Illinois and Indiana. Action to Quiet Title Page 5 . Wilson.
. shall be the rule of decision in all the Courts of this State. the foundation of the jurisdiction of this case.. which is further echoed by the Northwest Ordinance of 1787. which includes all states under the equal footing doctrine. As a matter of law. the court cannot ". and It is settled as a matter of law that when the rules of common law are not repugnant to organic or state law. ch.as a prerequisite for the court to apply any rule of decision other than that of the common law. Since repugnant means extremely distasteful or in direct conflict with. is established by Stats. It should be further noted that because California became one of the several states on an equal footing with all other states as mandated in the Act of Admission of California into the union." Lux v. 1850. which mandates that first. 69 Cal 255. that as a matter of compact new states.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Action to Quiet Title Page 6 Under the ruling in Lux v Haggin. Haggin. the original delegates to the California Constitutional Convention either knew or should have known about the Seventh Amendment to the Constitution for the united States of America.adopt a rule other than that established by the common law. or the Constitution or law of the State of California. "The common law of England so far as it is not repugnant to or inconsistent with the Constitution of the United States. at 261. Since admission into the union of states was a stated objective of the California Constitution of 1849." Common law jurisdiction and venue is mandated by California statute. all states are admitted to the union on an equal footing with all existing states and second... the court would necessarily be required to establish and prove that the rules of the common law which would ordinarily apply in the instant case are repugnant to the organic or state law. supra. if an actual repugnance were in existence it could be clearly shown and established... must guarantee "judicial proceedings in accordance with the course of the common law". 95 which expressly states: .
the organic law of California. there are no enacting clauses in front of each statute. VENUE Lakeport in Lake -county.. is the proper venue for this matter to be heard by consent of all parties on the following grounds: The location of the court will be the most convenient forum for all parties. under the rules of the Common Law. Additionally." Estate of Apple. as a matter of law. the Plaintiff. and since any issue in controversy allegedly and originally arose in that same geographic area. Also these Codes were adopted by the legislature en-masse as a series of code sections. 432. hereby declare. the act of admission into the union is a compact by the people of California agreeing to common law jurisdiction and venue..1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 they either knew or should have known about the Northwest Ordinance of 1787 both of which mandates common law jurisdiction and venue. Dana E. meaning that the validity and force and effect of all of the California Codes are called into question.where the code is silent. Wofford and Mark-Evan: Bennett. The California Supreme Court has ruled that " . California republic. from whence they came. This is an indisputable fact in that the original four divisions of the code were never assigned chapter numbers and were never published as part of the Statutes of California 1871 -2. Therefore. the common law governs. 66 Cal. We.. Gail-Joy-Bennett: Wofford. making them void for failure to declare. which were made a part of a single statute which embraces more than a single subject. establishing through the Act of Admission into the union and the State Constitution.. that all twenty -nine (29) divisions of the California code are silent. Action to Quiet Title Page 7 .
is preparing to foreclose. that the Federal Reserve System never provides anything of substance or intrinsic value when they create the credit. recorded the deed. Middleport.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Action to Quiet Title Page 8 The Defendant. As property owners in Lake-county. 7 Cranch 603. Please see Exhibit A for evidence of the deed recorded in allodial title under the venue of the united States of America It is no longer in the venue of the UNITED STATES. Gail-Joy-Bennett: Wofford. M & T BANK. we own the property in allodium and in “Dominium Directum Et Utile”. The Defendant. We became aware. after careful study and analysis. that the original note and deed of trust that we executed claims a security interest in the subject property based upon the transfer of Federal Reserve notes. 318 US 363. v. M & T BANK. Co. 3 L. 124 US 534. which is commercial paper. based upon their attempt to collect the insurance. has begun to demand payment for flood insurance. which is only a bookkeeping entry for the loan which is First. to said property described in Exhibit A in the united States of America venue. This land is now our private property to which we have allodial title. Aetna L. which means absolute ownership. “the United States as a drawee of commercial paper [federal reserve notes] stands in no different light than any other drawee” (bracketed portion ours). we. We also realized. as described in Clearfield Trust Company v US. Hunter. please see Fairfax v. Ed. after careful study and analysis. 453. Ins. which is the union of the title and the exclusive use of it. We have a common undivided interest in the property. Dana E. We have complete and absolute dominion in our property. After reviewing the legal issues surrounding the request for payment of the insurance we discovered that the US Supreme Court has stated that the right of subrogation does not exist for a stranger to the transaction. STATEMENT OF THE FACTS OF THE CASE . which states. Wofford and Mark-Evan: Bennett. which is not called for or required in the original note and deed of trust.
Please See Exhibit B. for confirmation of the above. in the Emergency Banking Bill. The profit comes from the difference between the cost of creating money and the price they charge borrowers for that money. 6073. then with their proxies and agents in the government. Article One. making all Americans the „enemy‟ in paragraph 5(b) of the Trading with Enemies Act. “The business of banks is to lend money. The organic law of this nation requires that “no state shall. The Defendant. Said Bankers then Action to Quiet Title Page 9 . Public Law 89-719. My statement is derived from the technical descriptions of banking practices found in Money Facts.549. stockholders in the Federal Reserve Bank. which is hereby incorporated by reference in this action to quiet title as Exhibit B. forced the UNITED STATES into a permanent state of declared national emergency on March 9.. 11. M & T BANK. Section Ten. When the Defendant creates money it does not cost them anything to create said money.10. Congress has delegated the power to create money to the banking system without a charge.” (Emphasis added). declared by President Roosevelt. in this matter will not incur a financial cost or damages by our failure. 6102. We base our statement of fact upon pages 9. called black Monday. 1933. 22.1. 48 Stat. 1933 with the passage of HJR 192. the criminal element in government. 6260 and was later seconded by Congress on June 5. Now the cost of creating money is negligible. No. 23. being bankrupt and insolvent in Several Executive Orders No. and the subsequent deliberate crash of the stock market in 1929. The current Federal Reserve Banking Scheme is based upon the deliberate and planned raising of interest rates by the Federal Reserve Bank of New York in October of 1929. Please see Senate Report 93. Constitution for the united states of America.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 created by completing a ledger entry in the records of the bankers who wrote the original note and deed of trust. No.. The banks do not pay a license fee or a payment charge for their reserves. Thus the raw materials the banks use cost them nothing. which states on page 23 the following. dated 1973. and 24 of the House Banking and Currency Committee Report called “Money Facts” published in 1964. published in 1964 by the house banking committee. 6101. make anything but gold and silver coin a tender in payment of debts”. hereinafter CEG. to pay the alleged balance due on the note in this matter. The Bankers.
Through the above described actions by the bankers and American government officials who committed acts of treason against the American people. HJR 192. became a debt instrument.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 placed the UNITED STATES into receivership based upon the Bankruptcy filed by an Act of Congress. The real party in interest for the bankruptcy was never stated. the bankers. All bank loans in the continental United States are fraudulent in their very nature because the Federal Reserve Notes they are based on are only based upon book keeping entries by the bankers and represent no value. John Adams and Benjamin Franklin. These two documents created a fraudulent reversal of the State of Independence won by a long and bloody battle with the British during the Revolutionary War. and Jays Treaty 1791. Neither treaty appears to have been ratified by Congress and specifically contravened direct orders by Congress to the treaty negotiators. in the eighteenth Century. through their manipulation of Congress and President Roosevelt in 1933. John Jay. and the subsequent paying of reparations in Jay‟s treaty. these treaties were not executed under the authority of the body politic and are without force and effect in law. based upon the Treaty of Peace of 1783. The original mortgage is therefore chattel paper with no valuable consideration and therefore the whole mortgage contract is based upon fraud and a lack of valuable consideration since Federal Action to Quiet Title Page 10 . with new emergency powers for the reconstituted government. after the bankruptcy in 1933. as required under Article One. and no valuable consideration. the Bankers obtained control over our currency system. but is clearly the British Royal Family. dated June 5. and earlier. the treaty negotiators. The new currency. forced us into bankruptcy and created a new government under the bankruptcy. by stating that King George is the Prince of the United States of America in the Treaty of Peace of 1783. 1933. As a result. which the American people have to pay with no backing by gold and silver. Section Ten of our Federal Constitution.
the Plaintiffs. and we are not co-bankrupt debtors for this fraudulent debt. into a security device which can be used to obtain a lien and subsequent ownership of our property. and to proceed on an implication to the contrary was to deny the holders of these bonds. subsequent to Action to Quiet Title Page 11 . are not a surety for this fraudulent national debt. and the power to issue negotiable bonds included the power to make that payable in such money. “the power to borrow money.C. supra. 162 US 291. meant the power to borrow whatever was money according to the Constitution of the United States and the laws passed in pursuance thereof. a trial by the jury of our peers. but they loaned their own credit in the transaction. The banks involved in this matter. D. We are not a subject of the British Royal Family. Section Ten as stated above and without due process of law. simply. were backed by something of intrinsic value. Section ten of the US Constitution. We. 40 L. and we are not part of the fraudulent Federal Reserve Banking Scheme. and are just bookkeeping entries under the 1933 bankruptcy. Mississippi. Federal Reserve notes are bank credit and as such are not backed by gold or silver coin as required under Article One. If said currency. and the lender of the Federal Reserve Notes. could be exchanged for something of recognized value. Mississippi. Ed. are committing fraud and fraudulent conversion by attempting to transform the mortgage backed by no valuable consideration. all without lawful money which is mandated by Article One. 820. we are not US Citizens under the jurisdiction of Washington. Gail-Joy-Bennett: Wofford. because the currency. would then be pledging their own assets in the transaction. see Woodruff v. then the currency could be considered to be valuable consideration. as follows. Wofford and Mark-Evan: Bennett. Mississippi. This is an absolute requirement pursuant to the ruling by the US Supreme Court in Woodruff v. We quote Woodruff v. The Plaintiff‟s predecessor-in-interest did not loan anything of substance or intrinsic value. This the law presumed. Ct. as required by the Fifth and Seventh Amendments respectively. Federal Reserve Notes.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Reserve Notes have no intrinsic value whatsoever. 973.16 S.. Dana E.
sale of the note to the Defendant. under House Joint Resolution 192. 1933. which was derived from the sale of the promissory note to BAYVIEW LOAN SERVICING. 1933. under this fraudulent banking scheme. created by a series of bookkeeping entries created by BAYVIEW LOAN SERVICING. 1933. or anything of substance or intrinsic value and then placing a fraudulent lien or security device on our land and using this fraudulent devise and claiming to be the holder in due course on the deed to our land. and who. The bankruptcy of the UNITED STATES under HJR 192 removed gold backing from the currency as of June 5. LLC and subsequently. a financial stronghold to the international bankers who hold a stockholders position in the Federal Reserve Bank/System. dated June 5.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 their purchase. and set up the fraudulent and pernicious Federal Reserve bankruptcy system. operate under a presumptive claim of ownership. as a result. as required by Article One. through sedition. such as this case. where nothing of substance or value was loaned in the transaction. are Action to Quiet Title Page 12 . Both of these events forever altered the structure and fabric of American government as it was established by the founding fathers during and after the period of the revolutionary war from 1775 until about 1792 and gave. which is ultimately based upon no valuable consideration and upon the Bankruptcy of the UNITED STATES declared by Congress on June 5. a right arising from the Constitution and laws of the United States. The “money” loaned was bank credit.) Furthermore the common law does not recognize a contract to be valid where there is no valuable consideration. thus be converted into a fraudulent lien based upon no valuable consideration.” (Emphasis added. under said Act of Congress. Section Ten of our Federal Constitution. This fraudulent mortgage can. LLC. obtained by establishing a banking system of bookkeeping entries for commercial federal reserve „credit‟ with no backing by gold or silver. The defendants. 1933 and the State of Declared National Emergency declared by Congress on March 9.
which appears to give The British Royal Family a fraudulent dominion over the United States of America. Benjamin Franklin and John Jay by the Congress of the United States prior to their trip to Paris to negotiate the Treaty. This was contrary to the explicit instructions given to the Treaty delegation of John Adams. The British Royal Family appears to be the real party in interest based upon the Treaty of Peace of 1783 and Jays Treaty. our American Constitution. and breach of contract. page 9 for a discussion of how banks get money and how their Reserves are created. no financial reorganization plan and no accountability by elected officials for having paid the Federal Reserve trillions of dollars and billions of dollars worth of gold. the original mortgage is void. as The „Prince of the United States of America‟ in the First paragraph of the Treaty of Peace. unenforceable and without force and effect. Action to Quiet Title Page 13 . Money Facts. a report by the House Banking Committee. Nowhere in the blueprint for the federal and state governments. Full disclosure was never given to the American people of the names of the creditors or the nature of the obligation the American people have been forced to take on under the Federal Reserve Banking Scheme and the bankruptcy of the United States and state governments as accommodation parties. is there a provision for foreign or domestic financiers and industrialists to take over the reins of government through a perpetual state of bankruptcy.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 belligerent foreign principals in a dramatically altered American Government/ Federal Reserve Banking scheme that is operating without the authority of the American people. In addition. for their service of “loaning money into circulation” and thereby bankrupting the federal and state governments. because of a lack of valuable consideration. Please see Exhibit B. with no named creditors. published in 1964. See also Senate report 93-549. The above provision of the Treaty of Peace is therefore not a lawful provision.
Ins. The assign. I sent the lender a written request to validate the debt. They did not respond to my request. made a demand for payment and then moved for foreclosure on the note even though they do not have the right of subrogation as a party who is not a cosigner to the note and the action by the original lender selling the land and home to a stranger to the transaction is not agreed to by me and is therefore an unlawful act. The lender is currently in default on my request that they provide a validation of the debt and prove that they have the right of subrogation. the obligation is extinguished. The mortgage note and deed of trust cannot form the basis of any kind of lien or security against our private allodial property because we are the assignee to the original land patent which was applied for and obtained by our predecessor -in -interest. The assign. This failure to answer is an admission of the truth and validity of the contents of the constructive notice under the doctrine of laches. Furthermore. The Uniform Commercial Code also reflects these principals of common law that once a debtor makes a good faith offer of performance and it is not accepted. 124 US 534.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Second. They steadfastly refused to respond to our constructive notice. who filed the original petition for the land patent and received the original land patent. see Exhibit C. v. BAYVIEW LOAN SERVICING. without the defendants in this matter ever having filed a claim against the original land patent. nil deceit. res adjudicata. See Exhibit C. Middleport. Third. and a breach of trust. Co. M & T BANK alleged purchased the note and deed of trust for the land and buildings which is the subject of this dispute from the original lender. pursuant to UCC 3-603. The defendants cannot produce a verified claim for which relief can be granted. silence by acquiesence and tacit procuration. the US Supreme Action to Quiet Title Page 14 . M & T BANK. LLC and attempted to collect payment on the note without the right of subrogation. see Aetna L.
lien. right. Dana E. under the above cited US Supreme Court ruling and many others. is also a parcel of land that was once a part of a much larger tract of land patented by our predecessor -in -interest in a land patent procedure. We. Action to Quiet Title Page 15 . the state. Gail-Joy-Bennett: Wofford. is barred from making any claim against the land. Wofford and Mark-Evan: Bennett seek to quiet title against all claims by defendants to any security interest. As the Plaintiff. we. or a predecessor -in interest. in our property. which is the highest title anyone can have on their land. The private property in question. No one has superior title. the Plaintiff in this matter. Please see Summa Corp. Therefore. and cannot in any way extinguish our lawful common law exclusive claim to our own private allodial property. person. v California Ex Rel. 104 US 1751 (1984). Thus.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Court has ruled that when land which has been patented by a land owner. or any other entity. when petitioner‟s predecessors -in -interest had their interest confirmed without any mention of such an easement in proceedings taken pursuant to the act of 1851. neither the defendants nor the original mortgage holder has any legitimate or lawful claim to the land. title or interest. the issuance of a Federal Land Patent barred any future claims against the land. The Defendants adverse fraudulent claims are without any rights whatsoever. have allodial title. “We hold that California cannot at this late date. Adverse claims cannot attach to patented land pursuant to the acts of the Federal Government authorizing said patents. Neither the defendants nor the original mortgage company filed any sort of competing claim in the patent proceeding for this land. assert it‟s public trust easement over petitioner‟s property. once a two year window expires for challenging the original land patent or making a claim. such as the defendants are. which states. natural or artificial or party such as a bank or corporation. without any foundation in law. which is defined in Exhibit A. such as that of a public trust easement.” Claims by government agencies or states or counties are no different than claims by private corporations and banks.
and to which the State constitutions should be made to conform.‟ Here we see the people acting as sovereigns of the whole country. should be bound.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Fourth. which created the government and all the rights and freedoms which are associated with the organic laws created by the body politic. and it was then not an uncommon opinion that the un-appropriated lands. but to the whole people. or subjected to judicial control and actual constraint. immunities and privileges.. establishing a constitution by which it was their will. and in the language of sovereignty. it regards his person as the object of allegiance. That system contemplates him as being the fountain of honor and authority. and from his grace and grant. it is easy to perceive. which are derived from the people of the body politic. Action to Quiet Title Page 16 . including all founding documents and charters give us sovereignty and thereby a right to private citizenship allodial titles to land and access to common law courts. that such a sovereign could not be amenable to a court of justice. that the State governments.. It will be sufficient to observe briefly. I cite the following case below: The US Supreme Court has affirmed the notion that each Citizen is sovereign and that state governments are bound by the Federal Constitution. and particularly in England exist on feudal principals. which belonged to that crown. and excludes the idea of his being on an equal footing with a subject either in a court of justice or elsewhere.. derives all franchises. that the sovereignties in Europe. „We the people of the United States do ordain and establish this constitution. and the people as his subjects. passed not to the people of the colony or states within those limits they were situated.. We believe that the organic laws of the united States of America. “ From the crown of Great Britain the sovereignty of their country passed to the people of it. That system considers the prince as the sovereign.
the sovereignty devolved on the people. Georgia. and they are truly the sovereigns of the country.. in which the regents of Europe stand to their sovereign. dignities and preeminence.) 419 (1793) (emphasis mine). the citizens of America are equal as fellow-citizens. the sovereignty is generally ascribed to the prince. Their princes have personal powers.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 The same feudal ideas run through all their jurisprudence. From the differences existing between feudal sovereignties and governments founded on compacts. FIRST CAUSE OF ACTION (Quiet Title) First. In Europe.” Chisolm v. or in any other capacity.and have none to govern but themselves. there is no valuable consideration. since only Federal Reserve Notes were received. at the revolution. which are not backed by any hard asset of the Action to Quiet Title Page 17 . our rulers have none but official. nor do they partake in the sovereignty otherwise.S. and they are sovereigns without subjects. there the sovereign actually administers the government. it necessarily follows. They claim that their purchase of the note from the original lender forms the foundation of their authority to take our land by a foreclosure action.. No such ideas obtain here. here never in a single instance. and at most stand in the same relation to their sovereign. Additionally. and constantly remind us of the distinction between the prince and the subject. Sovereignty is the right to govern. The defendants do not have a security interest in our property because of the lack of the right of subrogation. than as private citizens. There is no right of subrogation for the Defendant. the nation or state sovereign is the person or persons in whom that resides. that their respective prerogatives must differ. and as joint tenants in the sovereignty. 2 Dall (U. our governors are the agents of the people. here it rests with the people. M & T BANK.
assisting M & T BANK in their unlawful activities. (emphasis mine) Aetna Life v. Action to Quiet Title Page 18 . did not do this. prove that they have paid the entire debt in full. M & T BANK. prior to taking steps to foreclose on our property. which they are required to perform under California law.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 bank or anything which has any redemption value. who purchased the note from the original lender. even though they were not a cosigner on the original note. M & T BANK. The defendant. The Defendant. the land and buildings. The Lake County Sheriff has an auxiliary role to play in this matter.. The defendant. had a duty. and by their failure to prove that they are a co-signer on the original note and that their failure to prove that they have paid the entire mortgage debt in full. if in fact they are. 625. Trevellick. based upon valuable consideration to the defendants or anyone else. 124 US 534. is a stranger to the transaction and has no right. M & T BANK. for an undisclosed amount. meaning they did not have the right of subrogation. Garrels.. and prove that they are a co-signer. which is the subject of this civil action. and. from the beginning. 20 Bradwell App Ill. The Defendant. and to cases of insurance.Anyone who is under no legal obligation or liability to pay the debt is a stranger.”. purchased the promissory note from BAYVIEW LOAN SERVICING. M & T BANK. Middleport. they have failed to perform a duty. if he pays the debt. quoting Suppiger v. LLC. a mere volunteer. As a result of their not having the right of subrogation. M & T BANK. “Subrogation in equity is confined to the relation of principal and surety and guarantors. Anthony W. as an alleged creditor to prove that they have a right of subrogation if they are a co-signer. None of the Plaintiffs remember ever signing over a security interest. and additionally.. title or interest to our land and buildings ANY FORECLOSURE ACTION BY THEM is unenforceable and void ab intio. were clearly never cosigners or sureties in the original Promissory note. the Defendant. to cases where a person to protect his own junior lien is compelled to remove one which is superior.
in the name of the People of California. rebuts. M & T BANK. which states. as herein directed.” As a result it was clearly the intention of the delegates to the constitutional convention held in 1849 in California to become one of the several states of the Union of states known as the united States of America and to be bound by the decisions of the US Supreme Court. the admission of the State of California into the American Union. California Courts are bound by the US Constitution and laws passed in pursuance thereof. elected by the Legislature and People of California. Please note that the Defendant. Because they have no right of subrogation. 12. does not have the right of subrogation and is not a co-signer. when ratified. M & T BANK. We have a right to expect that anyone who is attempting to foreclose on the property has the right to do so as someone who has standing. Section Twelve. they have no right to enforce the note. shall be furnished with certified copies of this Constitution. challenges or denies our statement of fact that the Defendant. nor have they ever been a co-signer to the original note. although they clearly are not now. has never claimed that they have the right of subrogation.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 The Defendants violated our right to due process of law. requesting. The Defendant clearly has never had standing to foreclose. title or interest in the property. in relevant part: “Sec. which they shall lay before the Congress of the United States. and thereby no right to foreclose or to claim any right. The Senators and Representatives to the Congress of the United State. based upon the above case law and facts. as guaranteed under the Fifth and Fourteenth Amendments to the US Constitution by presenting themselves as a party who has a right to enforce the original contract. This requirement is found in the California Constitution of 1849 under Article Seven. Action to Quiet Title Page 19 . They have never brought forward evidence that refutes.
represents a taking of property without due process of the law in violation of the Fifth Amendment to our Federal constitution and similar provisions in the Northwest Ordinance of 1787. and the Fifth and Fourteenth Amendments. Dana E. levied or seized based upon a determination of title in an Action to Quiet Title as required under the rules of the common law. and provides that no fact tried by a jury. liberty or property without due process of law.”. Article Two and similar provisions of the California Constitution. and without due process of law. This claim of ownership of our buildings and land without a judicial trial by the jury. If this is true the Defendants are liable for fraud. The defendants actions are not the result of a common law ruling and due process in a court of law. Additionally. see 443 Cans of Frozen Egg Product v. United States of America. We do not recall ever having been to court over this matter in a Quiet Title Action pursuant to California law. a final judgment by a court. “The 7th Amendment to the Constitution preserves the right of trial by jury in suits at common law involving more than $20.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 When there is fraud involved. We do not recall a trial by the jury. fraudulent conversion and attempted theft of private land. The Fifth Amendment to our Federal Constitution of 1787. Ex Dolo Malo Non Oritur Actio. We. The defendants have failed to prove or show a court order authorizing private property to be liened. access to an appeals process. Wofford and Mark-Evan: Bennett. guarantees that no person shall be deprived of life. The Plaintiffs. Gail-JoyBennett: Wofford. The Seventh Amendment to our federal constitution and Article Two of the Northwest Ordinance of 1787 guarantees common law. final judgment. shall be reviewed otherwise than according to the rules of the common law. out of fraud no action arises. 226 US 172. The Defendants are attempting to use the organs and institutions of government to obtain title to the property and Action to Quiet Title Page 20 . then any action that flows from that fraud is null and void and without force or effect in law. do not recall ever having been given a summons or subpoena or other lawful notice requiring our presence in court in a Quiet Title Action. access to the appeals process or having seen a court order regarding a determination of Title in an action to Quiet Title. The Northwest Ordinance of 1787.
.” In the above-cited case the government can be Action to Quiet Title Page 21 . Seventh and Fourteenth Amendments to our federal constitution. The common law right of due process is found in the Fifth. Lee. Article Three of the original constitution for the united States of America calls for either law or equity courts. because the president has ordered it and his officers are in possession? If such be the law of this country. implied a trial in that mode. It is the only supreme power of our system of government. 240 (1882) where the United States claimed ownership of property via a tax sale some years earlier.. nor in any other government which has a just claim to well-regulated liberty and the protection of personal rights. and according to the settled rules of common law”. All the officers of the government. and every man who by accepting office participates in its functions is only the more strongly bound to submit to that supremacy. attempt to deprive us of our liberty and property without due process of law.. 1S.. and to observe the limitations which it imposes upon the exercise of the authority which it gives. and without any compensation. No officer of the law may set that law at defiance with impunity. and without a trial by the jury under the rules of the common law. it sanctions a tyranny which has no existence in the monarchies of Europe. Actions by them to claim to have a security interest in our private land and buildings and personal property and claim authority to hold a foreclosure sale is an action beyond the scope of their authority. (1888) "And as the guaranty of a trial by jury. from the highest to the lowest are creatures of the law and are bound to obey it. This is described by the United States Supreme Court as tyranny in. Ct. his estate seized and converted to the use of the government without any lawful authority. the court stated as follows: “No man in this country is so high that he is above the law. depending on the circumstances. Wilson. that the courts cannot give remedy when the citizen has been deprived of his liberty by force. see Callan v. 540. 106 US 196. Shall it be said .. 127 U. which requires the creditor to foreclose and hold a sale of the property only after there is a judgment in a court of law. United States v.. without any process of law. The actions taken by the defendants. Please see California Civil Code Section 2924. in the third article.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 hold a foreclosure sale without due process of law.S..
United States. 58 L. 926 (9th Cir. F 2d 54(9th Cir.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 considered as similar and applying in like manner as the defendants in the above captioned case.85(1924). J. One of the settled principles of our Constitution is that these Amendments are to protect only against invasion of civil liberties by the government whose conduct they alone limit. 232 US 383.Hall v. Liberty and Property 121-132 (1942). 256 US 465. a home. 1930). 405 US 538 (1972). 574. Ct. 104813 ALR 1159 (1921). That rights in property are basic civil rights has long been recognized. 34 S. Therefore the organs of government cannot be used to participate and assist in the unlawful plunder of our private allodial property. Brown v. 41. Action to Quiet Title Page 22 . Ed. 652. McDowell . 341. Coker Democracy. (1914). J. In fact a fundamental interdependence exists between the personal right to liberty and the personal right in property. Household Finance Corp. 65 L Ed. 1 W. Adams A Defense of the Constitutions of Government of the United States of America. Locke Of Civil Government 82. is in truth a “personal” right whether the “property” in question be a welfare check. 41 S. The right to enjoy property without unlawful deprivation.” The taking of private property without due process is clearly a violation of civil liberties as well as personal rights. United States.. United States. 12 F 2d. “Such difficulties indicate that the dichotomy between personal liberties and property rights is a false one. Neither could have meaning without the other. how can a bank or mortgage company do so? The Supreme Court also reaffirmed the right to enjoy private property and not be deprived of it without due process of law in Lynch v. no less than the right to speak or the right to travel. in F. or a savings account. Blackstone. Ct. Burdeau v. 1926). Commentaries 138-140. If government agencies cannot take private property without due process of law. Weeks v.
we conclude that titles in all of the several states of the united States of America are purely allodial. since fraud vitiates everything. free from all services from any particular lord... M & T BANK. “He defines a feud as a tract of land held by a voluntary and gratuitous donation..1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Second. The defendant. is aptly described by the Pennsylvania Supreme Court in Wallace v Harmstad 44 Pa... feudal titles came to an end and were replaced by allodial titles. This structural change in the nature of titles.. does not have a lawful claim to our buildings and land. serfs or indentured servants. title or interest in our property except perhaps by fraud which is void ab initio. It was therefore necessary to extinguish all foreign interest in the soil. on condition of fidelity and certain services. 492.. does not have a higher title than we do. and allodial lands as those whereof the owner had the dominium directum et verum the complete and absolute property. as well as foreign jurisdiction in the manner of government.. Action to Quiet Title Page 23 . or any right.. M & T BANK... In the United States of America.. Our allodial title means that we are not vassals. the Revolution would have operated very inefficiently towards complete emancipation if the feudal relation had been suffered to remain.. The defendant. 1863 (1863) which states the following.” From this and our understanding of the Equal Footing Doctrine... “. as described earlier from the Northwest Ordinance of 1787.. after of the Revolutionary War of 1775. “I see no way of solving this question except by determining whether our Pennsylvania titles are allodial or feudal. “we are then to regard the Revolution and these Acts of the Assembly as emancipating every acre of the soil (of Pennsylvania) from the grand characteristic of the feudal system. which came with self government. It seems strange that so fundamental a question as this should be in doubt at this day.
19 How 323. 104 US 636. Ed. or issued without authority.Doe. We. Seabury. 2 Wall 525. Neither the defendants nor the original mortgage holder filed any sort of competing claim. v. Ed 875.. assert it‟s public trust easement over petitioner‟s property. See also Gibson v. 20 L.” Ross v. 125 US 618. Gail-Joy-Bennett: Wofford. which is defined in Exhibit A. 26 L. 7 S.” United States v. to the rights upon which it is founded. . “A patent is the highest evidence of title and is conclusive against the government and all claiming under junior patents and titles. Stone v. “A court of law in a state where strict common law prevail will not look behind or beyond the grant.” Doolan v. ex dem. when petitioner‟s predecessors -in -interest had their interest confirmed without any mention of such an easement in proceedings taken pursuant to the act of 1851. 121 US 325. Ed 302. title or interest in our private land and home. when the question presented is whether the plaintiff or the defendant has the superior legal title from the United States. 1015. the Patent must prevail. or any other sort of claim in the patent proceeding for this land. Wofford and Mark-Evan: Bennett. “We hold that California cannot at this late date. v California Ex Rel. Ct. The private property in question. is also a parcel of land that was once a part of a much larger tract of land patented by our predecessor -in -interest in a land patent procedure. Ct. US. pursuant to these US Supreme Court rulings neither the defendants nor the original mortgage holder have any claim to or right. 650. which states “In an action of ejectment in state courts. “ A patent for lands is conclusive in an action at law as to the legal title. “Only one having a prior right can attack a patent collaterally. and cannot be collaterally impeached unless absolutely void on its face. 15 L.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Action to Quiet Title Page 24 Therefore. 17 L. 534. such as the defendants are.” See also Field v.” Claims by government agencies are no different than claims by private corporations and banks. Ed 765.” St Louis Smelting and Refining Co. 8 S. Carr. Please see Summa Corp. which states. Supra (1984). Dana E. the Plaintiffs in this Third. 7 L. Maxwell Land Grant Co. Kemp. nor examine the progressive stages of the title antecendent to the grant. Chouteau. 1228. Patented Land cannot be collaterally attacked. Ed. 13 Wall 92. Barland 1 Pet 655.
Co. 537. Ed 547. or some one who has not paid the entire mortgage debt in full. Action to Quiet Title Page 25 . Fourth. Co. see. 73 Am Jur Second. Ed. 41 L.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 matter have allodial title. 164 US 227. the Plaintiffs in this matter.. 208 US 404. or power to take control of our property. Ins. The assignment of the note and deed of trust for our property is unlawful since the assignee was a stranger to the transaction and has not provided evidence that they paid off the entire mortgage in full. Prairie State National Bank v. did not pay the entire mortgage debt in full is unrebutted and is therefore a fact undisputed and agreed to by the Defendants. Aetna L. Ct. Middleport. 389. 625. As the Plaintiffs. we. therefore under the doctrine of latches. or principals. 28 S. Dana E. and cannot in any way extinguish our lawful common law exclusive claim to our own private allodial real property. v. agents. right. Wofford and Mark-Evan: Bennett. McBride. Ed. 31 L. The Defendant. without any foundation in law. Henningsen v. Ct. a mere volunteer and as a Party who has not Tendered the Full Amount of the Mortgage Debt. The Defendants Have no Right of Subrogation as a Stranger to the Transaction. No one has superior title. M & T BANK has failed to provide any evidence in this matter of payment of the entire Mortgage debt in full. title or interest. United States Fidelity & G. the presumption that the Defendant. 124 US 534. 17 S. Dana E. Gail-Joy-Bennett: Wofford. The right of Subrogation does not exist for the Defendants or their assigns. Please review the following for affirmation that the right of subrogation does not exist for the Defendant in this matter. 8 S. which is the highest title anyone can have on their land. 148 Or 478 36 P 2d 175. Ct. Gail-Joy-Bennett: Wofford. 52 L. 412. seek to quiet title as of the date of the constructive notice mailed to the Defendant. M & T BANK. M & T BANK‟s adverse fraudulent claims is without any rights whatsoever. Wofford and MarkEvan: Bennett. Section 90 which states that a right of subrogation does not exist for a mere volunteer. 142. lien. We. McBride v. United States. seek to quiet title against all claims by the defendants to any security interest.
TITLE OR INTEREST IN THE PROPERTY. Pursuant to the rules of the common law. This common law principal is reflected in California Civil Code 2924. The Defendants clearly violated this provision of California law when they started foreclosure proceedings by way of their demand for flood insurance payments. The Defendants. knowingly. Household Finance Corp. and thereby circumventing the due process requirements as guaranteed under the Fifth Amendment.. THEY HAVE NO STANDING TO FORECLOSE ON OUR PROPERTY. Any unlawful action taken by the Defendant must be preceded by a final judgment in an action to quiet title. Pursuant to the Fifth Article of Amendment to our Federal Constitution. The Defendant is proceeding as if rights were waived. 405 US 538 (1972). Action to Quiet Title Page 26 . thereby claiming to have a „perfected title‟. the Defendants do not have the right to foreclose by way of a demand for insurance payments. by their actions are attempting to foreclose and force us out of the subject property without due process of law. M & T BANK. HAS NO RIGHT. by way of the Fourteenth Amendment. The quiet title action must be adjudicated prior to any foreclosure action taken or being tried in court. The Defendants cannot foreclose without a Judicial Determination of The Status of The Defendants as The Owner in a Court of Common Law and by Way of A Quiet Title Action. including our right to judicial due process. THE DEFENDANT. see California Civil Code Section 2924. The US Supreme Court also reaffirmed the right to enjoy private property and not be deprived of it without due process of law in Lynch v. Fifth. the Defendants cannot seek to obtain non-judicial remedies to obtain title. intelligently or voluntarily. which requires a court order to precede the sale of a property in foreclosure. WHICH IS THE SUBJECT OF THIS ACTION TO QUIET TITLE. AS ONE WHO DOES NOT HAVE THE RIGHT OF SUBROGATION OF THE ORIGINAL NOTE THAT THEY ALLEGEDLY PURCHASED AND THAT WAS ALLEGEDLY ASSIGNED TO THEM. We have never waived any rights in this matter. and therefore their planned foreclosure is violative of our due process rights.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 AS A RESULT.
but simply void. Sixth.” US v Percheman (1833) 32 US 518 L. But if it act without authority.) the fact that the attempted seizure of the private property in question is not lawful because it violates the doctrine of due process established by California Common Law and by the US Supreme Court in Lynch v Household Finance. M & T BANK lacks personal and subject matter jurisdiction because. The Northwest Ordinance is still applicable today in California for the reasons stated previously. supra. When a court proceeds in an action such as the unlawful detainer case for anything other than dismissal. The Deed of Trust and Note are not valid because of Inherent Fraud in the Note and Deed of Trust. Wilcox v Jackson. by skipping and circumventing the requirement to file an Action to Quiet Title to determine with certainty who has title to the property and 5. “The jurisdiction of the court depends on the correctness of the allegation. the Northwest Ordinance of 1787. 1.) it violates our due process rights as Plaintiff in the Quiet Title Action. and whether its decision be correct or otherwise. The foreclosure action planned by the Defendant. 1 Peters 340. its judgments and orders are regarded as nullities. “. all of its judgments are void.) of the misrepresentation of material facts by said Defendant that they have the right to foreclose 2. 3. They are not voidable. under these circumstances.) the use of the all capitalized names as the straw man. 604 at 617. in Article Two. In addition.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 please see Brady v US. its judgment until reversed. “Where a court has jurisdiction it has a right to decide every question which occurs in the cause. 397 US 742 at 748. requires that no one can be deprived of liberty or property without due process of law. The outcome of this quiet title case will determine the ownership of the property and the validity of the claims of the parties. Action to Quiet Title Page 27 . quoting Elliot et al v Piersol.Ed. is regarded as binding in every other court. 13 Peters 264 (1839).
79 US (12 Wall 457). and the power to issue negotiable bonds therefore included the power to make them payable in such money. and did not provide for the repayment of the debt in gold and silver coin. 1 Sec. because something other than gold and silver coin was made a tender in payment of debt. 162 US 291. 162 US 291. 110 US 421. simply meant the power to borrow whatever was money according to the Constitution of the United States and the laws passed in pursuance thereof. 10. and is therefore not a lawful contract. 4 S Ct. and to proceed on an implication to the contrary was to deny to the holders of these bonds. The mortgage company loaned Federal Reserve notes. 1. Section Ten of the US Constitution and the Constitution for the united States of America. In the united States of America. This the law presumed. as required under our Federal Constitution. Art. at 447. Ed 287. 318 US 363. which states. The mortgage contract violates The Coinage Act of 1792. 204. 28 L. see Woodruff v. which are commercial paper pursuant to a decision by the United States Supreme Court. Mississippi.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 The Defendants based their claim upon a mortgage contract (Note and Deed of Trust). Sec. The collection of this alleged debt is unconstitutional. The Mortgage contract (note and deed of trust) did not provide for the loaning of gold and Silver coin. 20 L. Woodruff v. 28 L. 40 L. Art. 122. 79 US (12 Wall 457. 820. 110 US 421. at 447. see Federal Const. 973. Julliard v Greenman. See also Knox v Lee. note and deed of trust is unconstitutional. see Julliard v Greenman. 20 L. Ed 287. Ed. and is exclusively lawful money in the united States of America. The mortgage contract. a right arising under the Constitution and laws of the United States. See also Knox v Lee. subsequent to their purchase. because there was nothing of intrinsic value loaned in the agreement. the US Supreme Court stated that the use of paper money was Action to Quiet Title Page 28 . “ For the power to borrow money. The mortgage contract violates Article One. Ed. Mississippi. no state can make anything but gold and silver coin a tender in payment of debt. which is in its very nature fraudulent. 122.10.16 S. Ct. see Clearfield Trust Company v US. 4 S Ct.” In two of the above cases. Ed. Gold and silver coin has intrinsic value. 204. There is no valuable consideration in the existing mortgage contract.
Therefore the obligation is extinguished. United States Fidelity & G.R. Mississippi. since the court is required to be faithful to the law and cannot engage in judicial nullification. therefore the obligation is extinguished. Please note the Defendants claim that they have the right to foreclose. Co. Supra. 87 A. 215 Cal 742. Please review the following for affirmation that the right of subrogation does not exist. all of which are a reflection of the rules of the common law. Section 90 which states that a right of subrogation does not exist for a mere volunteer. In my constructive notice I offered to pay the Defendant. Houston. Middleport. 937. McBride v. McBride.L. See Exhibit C. pursuant to the case law below. The Defendants Cannot Validate the Debt. to the land is void. They have failed to respond to our constructive notice and are. however. the right of subrogation does not exist for the Defendant. Supra. The Defendants agent and debt collectors failed to validate and verify the debt in accordance with the Fair Debt Collection Practices Act Title 15 USC. Ins. Supra . see Walker v. § 1692 and numerous sections of the Uniform Commercial Code. as a stranger to the transaction. Woodruff v. Co. The Defendants in this matter have not responded to my request to validate the debt as required in the Offer of Performance. and Article One. 12 P2d 953 at 953. Eighth. or some one who has not paid the entire mortgage debt in full. AS A RESULT OF THE FOREGOING US SUPREME COURT RULINGS. THE DEFENDANTS DO NOT HAVE THE AUTHORITY TO FORECLOSE BECAUSE THEY DO Action to Quiet Title Page 29 . Seventh. see 73 Am Jur Second. United States. and any claim. Supra. Section Ten of the US Constitution must be held as controlling in this matter as the supreme law of the land. As a result of the foregoing the obligation is extinquished. M & T BANK. v. Aetna L. Prairie State National Bank v. because the currency at the time of these rulings was backed by silver and gold coins. Henningsen v. M & T if they would validate the debt and demonstrate that they have the right of subrogation. by them. therefore in default on our offer. v.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 acceptable under the above-cited sections of the US Constitution.
please see UCC 3 . The Uniform Commercial Code also reflects these principals of common law that once a debtor makes a good faith offer of performance and it is not accepted. 19 SE 235. 598 N. Carr v. Section 1601. Continental Resources. 39 UCC 2d 851. and prove that they Action to Quiet Title Page 30 . would validate the debt. We offered to pay the entire debt in full if the Defendant. the debt is discharged. Tenth. See Exhibit D. 269. SEE EXHIBIT C. Lundin. Inc. Also under The Truth in Lending Act. 2d 851. pursuant to UCC 3-603. Please note under the tender laws. if the payment is made and refused. MacMahon v.W. Dail. 17 So. William. and may be satisfied only when a Court of Common Law pursuant to order of the elected Sheriff under of Article Seven of the Bill of Rights. meaning that they do not pay the entire mortgage debt in full. the Defendants never proved that the full amount of the mortgage was paid further amplifying the fact that a right of subrogation does not exist.603 and UCC 2-511. THEREFORE. Title 15.v. In addition. See Nygaard v.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 NOT HAVE THE RIGHT OF SUBROGATION. We have a Common law Lien against the property which must be satisfied before any equity liens are satisfied. thereby providing another reason why they do not have the right of subrogation. Under Regulation Z the Defendant has to object to the tender of payment within three days or be barred from objecting later. 58 NW. M & T BANK. the obligation is extinguished. 742. THEY CANNOT VALIDATE THE DEBT BECAUSE THEY ARE NOT THE ORIGINAL LENDER AND CANNOT ENFORCE THE NOTE THAT THEY CLAIM TO HAVE PURCHASED FROM THE ORIGINAL LENDER. Ninth. As the Plaintiffs we have no other recourse or remedy. 74 NW 966 (1898). In most cases the mortgage companies and banks sell the notes to each other for pennies on the dollar. 47 La. Common law liens in law supersede mortgages and equity liens. Mills. The Offer of Performance is the necessary instrument to cause the discharge of the alleged debt in this matter. Hewitt v. 827. Drummond Carriage Co. Ann.
Holland v. They did this by failing to prove that they have the right of subrogation and failing to validate the debt. App. title or interest in the property. 656. 604. 39 UCC 2d 851. The Defendant thereby violated our right to due process of law. "A tender is an offer of performance. See Nygaard v. Please see UCC 3 . Hohener v. 2d 461. has the effect of putting the other party in default if he refuses to accept it . App. v. See Walker v. 2d 851. (1967) 250 Cal. Rptr.The imposition of such conditions is waived by the offeree if he does not specifically point out the alleged defects in the tender. 97 Cal App. " Civil Code Sec. 2d 341. Rptr. Inc. Lovetro V. 58 Cal Rptr. by failing to either accept our conditional offer to pay the debt by validating the debt and proving that they have the right of subrogation or disclaiming any right. Novak. Rptr. 12 P2d 953 at 953. Riverside Fence Co. The Defendant never accepted my offer to pay the debt by failing to comply with my condition precedent. if the payment is made and refused. made with the intent to extinguish the obligation (Civil Code Section 1485) When properly made. Hirshorn. " Thomassen v." Wiesenberg v. 2d 797. the obligation is extinguished. 1501. The conditional offer to pay is the necessary instrument to cause the discharge of the Defendant‟s Demand for Payment in this matter. Carr. 142 Cal App. Please note under the tender laws. Gauss (1963) 221 Cal. pursuant to UCC 3-603.. 44 Cal. The Defendant. Paddock.W. Action to Quiet Title Page 31 . 937. 215 Cal 742. P 997.603 and UCC 2-511. 87 A. Continental Resources. 298 P 2d 587. the debt is discharged. 2076.. The Uniform Commercial Code also reflects these principals of common law that once a debtor makes a good faith offer of performance and it is not accepted. As the Plaintiffs we have no other recourse or remedy other than this action to quiet title. 2d 534. the oferee is therefore not allowed to remain silent at the time of the tender and later surprise the offeror with hidden objections. Code of Civil Procedure Sec. “. 536. (1969) 78 Cal. 275. 532. 598 N. 297. Steers 234 Cal App. 350.R. did not accept our offer. Houston. 34 Cal.L. M & T BANK. "The rationale of the requirement of specific objection is that the offeror should be permitted to remedy any defects in his tender.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 have a right of subrogation.
391. Ed." -. it confers no rights. US 425 p. United States of America. The rule of decision in California courts is common law. as inoperative as though it had never been passed. 436 (1966) “Where rights secured by the Constitution are involved. Under the Seventh Amendment to the Constitution for the united States of America. 5 L. ed. Therefore.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Action to Quiet Title Page 32 On dry land. United States of America 226 US 172. Supra. it is in legal contemplation. Ed 320 and United States v The Betsy (in 4 Cranch 443. 50 at 52 Morris v United States 8 Wall. the Defendant has no right to demand payment. I am entitled to a common law trial by the jury. See also. The lender never produced a verified claim demonstrating that something of value or substance was loaned in the transaction. Sections 1692 (g) and(e). 507. any action must be adjudicated under common law pursuant to the Seventh Amendment. 384 U. 297. Therefore. The Defendants never produced a verified claim demonstrating that something of value or substance was loaned in the transaction. 673). it creates no office. “The 7th Amendment to the Constitution preserves the right of trial by jury in suits at common law involving more than $20. there can be no rule making or legislation which would abrogate them” emphasis mine. 118. 443 Cans of Frozen Egg Product v. and provides that no fact tried by a jury. Ed.S. it imposes no duties. Shelby County. shall be reviewed otherwise than according to the rules Eleventh. the US Supreme Court stated as follows. 644 50 at 51 United States v. Miranda v. . the Defendants have no right to pursue this matter in court under Title 15 USC. 442. affords no protection. in 443 Cans of Frozen Egg Product v. Also our good faith offer of performance was not accepted and therefore the obligation is extinguished. 1 L. Arizona. 481 The Sarah 8 Wheat. 19 L. "An unconstitutional act is not law. 2 L. La Vengeance (reported in 3 Dall. 2 Led. 610) United States v The Sally (in 2 Cranch 406.Norton vs. According to the US Supreme Court.
Action to Quiet Title Page 33 . Be advised that “verification” is defined (in Black‟s Law Dictionary. all collection agencies and debt collectors include a clause in their collection notices. Humble. See Clarks Jeweler‟s v. oath. states.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 of the common law. The United States Supreme Court and the lower courts have long recognized that the banks cannot loan credit. Furthermore. as in all other jurisdictions in the United States and the United States of America. which were admitted under the Northwest Ordinance of 1787. it is unenforceable and the creditor must cease and desist all collection activities pursuant to Title 15. § 1692 et seq. has no right to lend credit as this is a violation of their corporate charter and violates Federal law. If a debt cannot be validated by the creditor. and is prohibited under the doctrine of ultra vires. The Fair Debt Collection Practices Act must be adhered to in California. see Wilcox v Jackson. The Defendant.” The Northwest Ordinance of 1787 also requires a common law court pursuant to Article Two. Twelfth. or deposition. § 1692(g). Sixth Edition) as follows: “Confirmation of correctness. 16 Kan App 2d 366 (1991). since the State of California is bound by the compact under the equal footing doctrine as a state on an equal footing with the states such as Illinois or Wisconsin formed from the Northwest Territories. 13 Peters 264 (1839). Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. M & T BANK. 823 P 2d 818. or authenticity by affidavit. This provides tacit acknowledgment that the debt collectors must comply with Title 15. It should be further noted that California was admitted into the union on an equal footing with such states as Illinois and Indiana. truth.” Thirteenth. which is a notice to the debtor that the debt collector is attempting to collect a debt. A notice by the debtor that the debt is being disputed is all that is needed to compel the creditor to stop collecting the debt until debt validation has been completed. The debt collectors cannot identify anything of substance or value loaned in the transaction and therefore cannot validate the debt.
as included in its powers not incidental to them. and in support of this a list of cases might be cited. Citizens State Bank. Bluefield Nat 'l Bank. All such contracts entered into by its officers are ultra vires .Ct 1024.” Zinc Carbonate Co. v. . "Neither. Needles Nat. 176 US 682. if it received compensation and was careful to put its name Action to Quiet Title Page 34 .. If a bank could lend its credit as well as its money. endorser. 11 F 2d 83. v. v. 94 F 925 36 CCA 553. 194 NW 430. "A national bank has no power to lend its credit to any person or corporation. 151 Va 195. it is well established that a national bank has not power to lend its credit to another by becoming surety. “A bank may not lend its credit to another even though such a transaction turns out to have been of benefit to the bank.” [Emphasis added] Norton Grocery Co.” . . "It has been settled beyond controversy that a national bank.S. ." Howard & Foster Co. Bowen v. 103 Wis 125. 44 LED 637. v. First National Bank. or guarantor for him. Peoples Nat. 144 SE 505. certiorari denied in 20 S. is it a part of a bank's business to lend its credit.” Farmers and Miners Bank v. Citizens Nat'l Bank of Union. Bank. which-would look like a catalog of ships. 271 U. 669. American Express Co. Bank. and it probably is not invoked too often . 133 SC 202. cannot lend its credit by guaranteeing the debts of another. .1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 “In the federal courts. 79 NW 229. it might. . under federal Law being limited in its powers and capacity. 130 SE 759(1926). “The doctrine of ultra vires is a most powerful weapon to keep private corporation within their legitimate spheres and to punish them for violations of their corporate charters.
Fox." Seligman v.. Also see Kirkland v. Banks and Banking 5th Ed. 135 Ga 614. If not careful. 642. "It is not within those statutory powers for a national bank. Sec 65. L 'Herrison. 69 SE 1124. Magee. the bank is allowed to hold money upon personal security. 194 NW 429. v. Charlottesville Nat. the power would be the mother of panics. even though solvent.. "A loan may be defined as the delivery by one party to. Monroe. 247 Fed Supp 878. 55 E 471." American Express Co. Indeed." First Nat'l Bank of Tallapoosa v. 3 Hughes 647. Atkinson. for while the latter creates a liability in favor of the bank. Neifert White Co." Federal Intermediate Credit Bank v. 842 (1929). Bailey. . 33 F 2d 841. a sum of money upon an agreement.12. 1039. 179 Ga 605. express or implied. the former gives rise to a liability of the bank to another. lending credit is the exact opposite of lending money. Fed Case No. "There is no doubt but what the law is that a national bank cannot lend its credit or become an accommodation endorser. Bank. to repay the sum with or without interest.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 only to solid paper. Citizens State Bank. I Morse. "A bank can lend its money. ". which is the real business of a bank. not its credit. and the receipt by another party of. Sec 248." Parsons v. 879. but not its credit. . 32 LRA (NS) 550. Action to Quiet Title Page 35 . 3rd Ed." National Bank of Commerce v. 155 SE 2d 701 and United States v. Banks and Banking. make a great deal more than any lawful interest on its money would amount to. . . but it must be money that it loans. to lend its credit to another in any of the various ways in which that might be done. 176 SE 644.
page 566. It would seem that the mortgagor would normally have a Common law right to demand production or surrender of the bond or note and mortgage. emphatically states. Federal Circuit Courts have ruled that the only way to prove the perfection of any security is by actual possession of the security. No. Div 1992).S. (4) (1932).) Volume 29 of the New Jersey Practice Series. and prove that certain balance is due and owing on any alleged note. See Matter of Staff Mortg. then there is no note. 256 N.98-50117 February 18. the holder of the instrument shall be afforded all the rights and protections provided a holder in due course pursuant to N.J. Corp. which the Defendants allege that we owe. . the Defendant must prove: (1) the existence of the note in question. “ . 12A:3-302" Since no one is able to produce the “instrument” there is no competent evidence before the Court that any party is the holder of the alleged note or the true holder in due course. New Jersey common law dictates that the plaintiff prove the existence of the alleged note in question. as the case may be. Abco Homes. Where the foreclosing party cannot prove the existence of the note. A party alleging to be creditor must prove standing. Super 23 (App. and no part payments should be made on the bond or note unless the person to whom payment is made is able to produce the bond or note and the part payments are endorsed thereon. 1999 (5th Circuit Court of Appeals. Mortgages S 469 in Carnegie Bank v Shalleck .1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Action to Quiet Title Page 36 Fourteenth.J. 550 F.J. See Restatement..S. See In Re: SMS Financial LLC. v. To recover on a promissory note. 12A:3-104. (2) that the party sued signed the note. (3) that the Defendant is the owner or holder of the note. “Under the Uniform Commercial Code.. “When the underlying mortgage is evidenced by an instrument meeting the criteria for negotiability set forth in N.. & Inv. prove that the party sued signed the alleged note. Contracts S 170(3).S.. Inc. Chapter 10 Section 123. The Defendants have failed or refused to produce the actual note. C. the Appellate Division held.J.2d 1228 (9th Cir 1977). and (4) that a certain balance is due and owing on the note. prove that the plaintiff is the owner and holder of the alleged note. the only notice sufficient to inform all interested parties that a security .
In order to prove damages in foreclosure of a debt.C.. App. Ltd. Rptr.2d 1218. M & T BANK.2000). (Conn. 3d 845. Godbole.D. 389 (Bkrtcy. the person responsible for preparing and maintaining the account general ledger must provide a complete accounting which must be sworn to and dated by the person who maintained the ledger. Please see page 23 Question number 125. “The business of banks is to lend money. a party must enter the account and general ledger statement into the record through a competent fact witness. Sixteenth. and Town of Brookfield v. Norwich Housing Authority. 163 Ill.U. 165 B. The profit comes from the difference between the cost of creating money and the price they charge borrowers for that money. The statement by the House Banking Committee is as follows. To prove up a claim of damages. the foreclosing party must enter evidence incorporating records such as a general ledger and accounting of an alleged unpaid promissory note.N.” security interest in which must be perfected by possession . V.J. Fifteenth. In Re Investors & Lenders. Congress has delegated the power to create money to Action to Quiet Title Page 37 .R. 114 Il. the banks in the United States of America create money at no cost to themselves. 28 Conn. Inc. GE Capital Hawaii. Now the cost of creating money is negligible. “Under the New Jersey Uniform Commercial Code (NJUCC). v. has not incurred a financial loss in the lending of Federal Reserve Notes.L. Yonenaka 25 P. The Defendant. his agent or bailee. Candlewood Shores Estates.96 Hawaii 32.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 interest in instruments has been perfected is actual possession by the secured party. Inc. Fooks v.2d 936 (1980).3d 807. 513 A. As anyone reviewing this exhibit can see. See also Solon v. 371.334. promissory note is “instrument. (Hawaii App 2001). Exhibit B proves the factual lack of any financial loss or any assets of the alleged creditor pledged in the transaction.1994). Kauanoe. 614 P. Super. 201 (1986). See Pacific Concrete F. 62 Haw.” Bankruptcy Courts have followed the Uniform Commercial Code.
and they have no standing to or foundation to allege that they will incurr a financial loss. Gail-Joy-Bennett: Wofford. The banks do not pay a license fee or a payment charge for their reserves.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 the banking system without a charge. has not produced any evidence whatsoever that they are a co-signer on the original promissory note. and is attempting an act of fraudulent conversion. fraudulent conversion) First. M & T BANK. Wofford and Mark-Evan: Bennett. Based upon the foregoing the Defendants are slandering title to the subject property. evidence supported findings that foreclosure during litigation would produce great or irreparable injury to the plaintiffs and Action to Quiet Title Page 38 . M & T BANK. Dana E. We ask the court to provide declaratory relief to order the defendants to cease and desist and abate any attempt to conduct a foreclosure sale. SECOND CAUSE OF ACTION (Slander of Title. M & T BANK. The Defendants has a duty to refrain from attempting to foreclose when they lack the right of subrogation. The Defendant. cease and desist any collection activities and foreclosure activities by the defendants for lack of due process lack of a claim filed against the original land patent. thereby failing to prove a second element that is required of someone who is claiming to have a right of subrogation. hereby allege and re-allege all of the foregoing Paragraphs as part of this Cause of Action with the same force and effect as if fully set forth herein. as discussed above. The Defendant. has no right of subrogation as a stranger to the original transaction and as someone who has not paid the entire mortgage debt in full. We. no right of subrogation and no right to foreclose on our property. 124 US 534. curtail. The Defendant. See Aetna Life v. therefore. has. M & T BANK. and breach of contract. Thus the Defendant. M & T BANK. has never produced any evidence that they have paid the entire mortgage debt in full. Thus the raw materials the banks use cost them nothing. Middleport. based upon the above statement issued by the House Banking Committee. The Defendant. cannot allege that they incurred a financial loss. abate. therefore.” Emphasis added. In an action to annul a promissory note and deed of trust which were then in the hands of an assignee.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 therefore issuance of a preliminary injunction restraining assignees from disposing of a note and deed or from foreclosing was not an abuse of discretion. A.A. see 443 Cans of Frozen Egg Product v United States of America. 2d 310. Second. Gail-Joy-Bennett: Wofford. insurance fraud) We. supra and the Northwest Ordinance of 1787. Wofford and Mark-Evan: Bennett. title or interest in the property or any sort of claim that is superior to our own. Under the principal of estoppel by silence. In this case we are not asking for a restraining order. the Defendant. Dana E. Wofford and Mark-Evan: Bennett. pursuant to the Seventh Amendment. fraudulent inducement.) evidence of a lien. however we are asking for an order to cease and desist. WHICH IS REQUIRED UNDER CALIFORNIA CIVIL CODE SECTION 2924 PRIOR TO ANY ATTEMPT TO FORECLOSURE AND SELL THE PROPERTY.) to identify the valuable consideration or lawful money that gives them power to enforce the original mortgage contract. or our private property described in Exhibit A. Williams. Daniels v. Therefore. the Plaintiffs. THIRD CAUSE OF ACTION (fraud. M & T BANK remains silent and still does not respond to the constructive notice or issues of law raised in the constructive notice. a security interest or some kind of right. The Defendants have never produced the following. 270 P. This is also required by the rules of the common law. Dana E. 2d 556. based upon a right of subrogation and upon valuable consideration and a judgment by a common law court. see. title or interest in the property or a lien or a security interest over us. and B. Gail-Joy-Bennett: Wofford. hereby allege and re-allege all of the foregoing Paragraphs as part of this Cause of Action with the same force and Action to Quiet Title Page 39 . Under the doctrine of laches the Defendants are barred from now claiming to have a right of subrogation and thereby any right. 125 C.
the Defendant. title or interest in the property. Additionally. discharge of any current or past demands for payment and we ask that the Defendants be ordered to remove the property described in Exhibit A from any list of assets on their books. which was not required under the note and deed of trust. By way of fraudulent inducement. because they are a stranger to the transaction and have no right of subrogation. threats and intimidation to pay for flood insurance. in violation of the due process provisions of the Fifth and Fourteenth Action to Quiet Title Page 40 . abatement of demands for mortgage payments. current and future claims of any right. and remove any records of this fraudulent debt with credit reporting agencies. Gail-Joy-Bennett: Wofford. the Plaintiffs. M & T BANK. Nowhere in the note and deed of trust was there a provision or clause placing a requirement on the borrowers to obtain flood insurance.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 effect as if fully set forth herein. we. Through their invoices. The Defendant. We further ask that the unlawful PLANS taken by the defendants to place the property for sale to the public in an unlawful foreclosure proceeding. Wofford and Mark-Evan: Bennett. Request For Relief Wherefore. pray for a judgment against the Defendants as follows: One. M & T BANK demanded that we purchase flood insurance. Dana E. current past and future. has used heavy pressure. the Defendant M & T BANK has no right to demand that any insurance be purchased by the Plaintiffs. The Defendant M & T BANK has a duty to refrain from requiring us to buy or pay for insurance that is not required under any written or oral agreement. For abatement of any and all past. the Defendant M & T BANK attempted to mislead us into believing that we are required to pay for flood insurance in spite of the fact that there is no lawful provision written into the note and deed of trust requiring such a purchase of flood insurance.
Gail-Joy-Bennett: Wofford. Dana E. For an order of Cease and Desist. Dana E. taken by this Defendant. Three. Punitive and Compensatory Damages We. In addition. Gail-Joy-Bennett: Wofford. title or interest or lien in said private allodial property. and be compelled to disclaim any right title or interest in the subject property. silver specie. minted in the united states of America and punitive and compensatory compensation for Action to Quiet Title Page 41 .1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Amendments to the US Constitution. and California common law be abated and that they cease and desist their actions and activities in pursuance thereof. Dana E. hereby allege and re-allege all of the foregoing Paragraphs as part of this Cause of Action with the same force and effect as if fully set forth herein. including any unregistered foreign agents. to cease and desist any further actions to foreclose on this alleged debt. and that no superior title exists by anyone. For a judgment that because the above described property is held in alloidum by us. Wofford and Mark-Evan: Bennett. Wofford and MarkEvan: Bennett. right. We. or their agents and assigns. if the Defendants do not immediately stop their foreclosure on our allodial property in the amount of two hundred and fifty dollars in lawful money. silver one ounce coins. GailJoy-Bennett: Wofford. M & T BANK. M & T BANK. the defendants must be found to be without any lawful claim against our private allodial property. because they do not have the right of subrogation as a stranger to the transaction. including the defendants. and defendants have no security interest. We ask for a court order of Cease and Desist ordering the Sheriff to refrain from enforcing any and all actions for unlawful detainer or foreclosure. ordering the Defendants and their agents. The Plaintiffs. Wofford and Mark-Evan: Bennett. the lack of any standing to sue for foreclosure or for unlawful detainer by the Defendants. because of the failure of consideration and because of the lack of the right of subrogation. Two. the Plaintiffs in this matter further seek costs and fees from Defendant. and therefore.
Signed in the fourth century of the independence of the united States of America. and the same is true of our own knowledge. All rights specifically reserved.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 the costs of this suit intentional infliction of emotional distress against the Plaintiff M & T BANK in the amount of two hundred and fifty dollars of lawful money. except Action to Quiet Title Page 42 . Verification We have read the Action to Quiet Title to Private Allodial Property And For Declaratory Relief and know the contents thereof to be true. Respectfully submitted. sum certain. We ask for compensation and damages from M & T BANK. We ask for no compensation or damages from the Lake County Sheriff. silver one ounce coins minted in the United States of America. silver specie.
Gail-Joy-Bennett-Bennett: Wofford Dana-Elliot: Wofford Mark-Evan: Bennett LIST OF EXHIBITS A. correct. two thousand and eight. and as to those matters we believe them to be true. DEED Action to Quiet Title Page 43 . in the Year of our Lord.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 to the matters which are therein stated on our information and belief. complete and not misleading. The foregoing is true. Sealed by the voluntary act of My own hand on this day of the month. in the fourth century of the Independence of America.
COMMON LAW LIEN File ends here END OF DOCUMENT END OF DOCUMENT Action to Quiet Title Page 44 . REQUEST FOR VALIDATION OF DEBT LETTER/ DEED OF RELEASE D. HOUSE BANKING AND CURRENCY COMMITTEE REPORT C.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 B.
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Action to Quiet Title Page 45 .
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