Source: https://timothymccandless.wordpress.com/2011/08/02/mers-in-california/
Timestamp: 2017-02-26 05:27:50
Document Index: 711093080

Matched Legal Cases: ['§ 2924', '§ 2924', '§ 2924', '§3109', '§ 2924', '§ 3301', '§3109', '§3201', '§ 191', '§2105', '§ 23301', '§ 2105', '§ 2203']

MERS in California | Serving California only 949-388-7779 & 925-957-9797
MERS cannot legally assign a Promissory Note because, MERS is a Non-Authorized Agent under Established and Binding California Real Property Law and the borrower can’t provide that power to MERS.
c) REGARDLESS WHAT A BORROWER AGREES TO, a “Borrower” cannot legally grant MERS the right to assign the note or any of the rights of the note owner.
“It is no defense to deceit that false statement was made pursuant to some statutory scheme such as statutory procedures for trustee’s sale (§ 2924 et seq.).” Block v. Tobin (App. 1 Dist. 1975) 119 Cal.Rptr. 288, 45 Cal.App.3d 214.
“It is true, as Defendants repeatedly assert, that California Civil Code § 2924, et seq. authorizes non-judicial foreclosure in this state. It is not the case, however, that the availability of a non-judicial foreclosure process somehow exempts lenders, trustees, beneficiaries, servicers, and the numerous other (sometimes ephemeral) entities involved in dealing with Plaintiffs from following the law.” Sacchi vs. Mortgage Electronic Registration Systems, Inc. US Central District Court of California CV 11-1658 AHM (CWx), June 24, 2011
Therefore, without an endorsement on the Note and an assignment directly from the original lender, assignments by MERS; the substitution of the Trustee; and trustee sale are unlawful and void. “The assignment of the lien without a transfer of the debt was a nullity in law.” (Polhemus v. Trainer, 30 Cal. 685; Peters v. Jamestown Box Co., 5 Cal. 334; Hyde v. Mangan, 88 Cal. 319;
Jones on Pledges, secs. 418, 419; Van Ewan v. Stanchfield, 13 Minn. 75.)
(Jones on Liens, sec. 982; Wingard v. Banning, 39 Cal. 343; Ruggles v. Walker, 34 Vt. 468; Wing v. Griffin, 1 Smith, E.D. 162; Holly v. Hungerford, 8 Pick. 73; Daubigny v. Duval, 5 Tenn. 604.)
“California courts have repeatedly allowed parties to pursue additional remedies for misconduct arising out of a nonjudicial foreclosure sale when not inconsistent with the policies behind the statutes”
California Golf, L.L.C. v. Cooper (2008) 163 Cal.App.4th 1053,1070
“(2) Whenever a court becomes aware that a contract is illegal, it has a duty to refrain from entertaining an action to enforce the contract. (3) Furthermore the court will not permit the parties to maintain an action to settle or compromise a claim based on an illegal contract”
Bovard v. American Horse Enterprises, Inc., 201 Cal.App.3d 832 (1988)
The Honorable Judge Margaret M. Mann made very clear the following,
based upon California Supreme Court and U.S. Supreme court cases:
• Assignments must be recorded before the foreclosure sale
• Recorded assignments are necessary despite MERS’ role
• MERS’s system is not an alternative to statutory foreclosure law
Bankruptcy No: 10-17456-MM13 re: Eleazar Salazar,
see attached below Mann_order_salazar.pdf
2) Nothing under California Civil Code §§ 2924 through 2924k applies, unless there is a legal chain of title for the Deed of Trust with the Note from the original lender to MERS, and then to the foreclosing party.
The First Fatal Flaw – MERS never takes ownership of the underlying Note, Voiding the “Original” Deed of Trust.
Under California Law, the named Beneficiary on the Deed of Trust must have ownership of the underlying Note. MERS consistently claims to be only “Holding the Note” as a Nominee for the original lender, never “Owning the Note”.
Why MERS doesn’t have ownership of the Note:
1.	There is no assignment or indorsement of the Note from the original lender to MERS.
2.	The Deed of Trust is not a substitute for an Assignment or legal transfer of the Note from the Original lender to MERS.
“It is well established law in the Ninth Circuit that the assignment of a trust deed does not assign the underlying promissory note and right to be paid, and that the security interest is incident of the debt.” Rickie Walker case, see attached
3.	MERS is a mortgage exchange not unlike a stock exchange. It allows banks to buy and sell home mortgages much like stock. Stock exchanges don’t own the stock on their exchange, only the investors do.
4.	A Nominee in California cannot own the Note,
“The word “nominee” in its commonly accepted meaning, connotes the delegation of authority to the nominee in a representative or nominal capacity only, and does not connote the transfer or assignment to the nominee of any property in or ownership of the rights of the person nominating him.”
Cisco v. Van Lew, 60 Cal.App.2d 575, 583-584, 141 P.2d 433, 438.
5.	In California, a Note payable to the original lender is not a bearer instrument, the original lender must indorse or assign the Note to MERS.
See Cal Com. Code §§3109,3201,3203,3204. and Rickie Walker case Order, and P&A pg6 attached below
6.	MERS requires that the owner of the Note never claim MERS as a “Note-Owner”
MERS Membership Rule 8 Foreclosure, Section 2(a)(i), page 25, 26, see attached below
7.	MERS consistently argues in court that it does not own the promissory notes,
MERS v. NEBRASKA DEPARTMENT OF BANKING AND FINANCE No. S-04-786, see attached below
8.	Finally, Moeller v. Lien and CCC § 2924 DOES NOT “EXPRESSLY” EXCLUDE
OR SUPERCEDE CA Comercial Code § 3301, OR ANY OTHER CA LAWS!
In the case of California Golf, L.L.C. v. Cooper, 163 Cal. App. 4th 1053, 78 Cal. Rptr. 3d 153, 2008 Cal. App. LEXIS 850 (Cal. App. 2d Dist. 2008), the Appellate Court held that the remedies of 2924h were not exclusive.
9.	U.S. Supreme Court decision, Carpenter v. Longan (Carpenter v. Longan, 83 U.S. 271, 21 L.Ed. 313 [1873])):
Deed of Trust is also void, without a recorded assignment of the Deed of Trust for each transfer of the Note:
1.	MERS Involvement in the loan effectively stripped the deed of trust lien from the land and a foreclosure is not legally possible, Bellistri v. Ocwen Loan Servicing, LLC, 284 S.W.3d 619 (Mo.App. E.D.,2009), attached below
2.	Any assignment of the Deed of Trust & Note from MERS to a successor is void and fraudulent.
RICKIE WALKER CASE, see attached below
Therefore, MERS definition of “Holding the Note” is not the legal equivalent of “Owning the Note”;
California Civil Code section 2924 for foreclosure only applies if MERS owned the note.
The Second Fatal Flaw – MERS tracking system is not a legal chain of title and the debt may be uncollectible.
When a Note is sold, it has to be indorsed the same way you basically sign a check for deposit or cashing.
Under California Law the Note is not a bearer instrument, but an instrument payable only to a specifically identified person, per California Commercial Code §3109; any transfer of the Note requires a legal Negotiation, Endorsement and a physical delivery of the note to the transferee to perfect the transfer, per California Commercial Codes §§3201, 3203, 3204.
see attached Rickie Walker Order.
“MERS Basics “Registration vs. Recording. (PPT Slide)
o	MERS is not a system of legal record nor a replacement for the public land records.
o	Mortgages must be recorded in the county land records.
o	MERS is a tracking system. No interests are transferred on the MERS® System, only tracked.”,
MERS Southeast Legal Seminar – MERS Basics slide 7,
see attached below. or http://www.mersinc.org/files/filedownload.aspx?id=63&table=DownloadFile “A mortgage note holder can sell a mortgage note to another in what has become a gigantic secondary market. . . . For these servicing companies to perform their duties satisfactorily, the note and mortgage were bifurcated.”
MERSCORP President and CEO, R.K. Arnold, Yes, There is Life on MERS, Prob.& Prop., Aug. 1997, at p.16, see attached below
In the case of a fraudulent transaction California law is settled. The Court in Trout v. Taylor, (1934), 220 Cal. 652 at 656 made as much plain:
In Alliance Mortgage Co. v. Rothwell (1995) 10 Cal. 4th 1226, 1231 [44 Cal. Rptr. 2d 352, 900 P.2d 601], the California Supreme Court concluded that:
“ ‘the antideficiency laws were not intended to immunize wrongdoers from the consequences of their fraudulent acts’ ” and that, if the court applies a proper measure of damages, “ ‘fraud suits do not frustrate the antideficiency policies because there should be no double recovery for the beneficiary.’ ” (Id. at p. 1238.)
Great Article source: http://www.exclusiveforeclosures.net/real-estate-foreclosures/doan-on-%E2%80%9Cproduce-the-note%E2%80%9D/ Therefore, any attempt to collect by other than the original lender may be impossible without a legal chain of title, because MERS tracking system is not a legal chain of title.
Legal Disclaimer: All information contained on this website is alleged and general in nature, and should not be construed as legal advice or a substitute for legal advice. It was not written by an attorney and should only be reviewed by an attorney.
MERS alleged status as of November 18th, 2010 PROTECTION FROM VOIDABILITY IS ONLY PROVIDED FOR THE YEARS TAXES ARE PAID.
MERS registration was necessary, and not retroactive for the following reasons:
1. MERS needed to register with the State of California, because MERS is Not a Foreign Lending Institution nor claims to be, therefore California Corporate Code § 191(d) does not exempt MERS from California Corporate Code §2105.
“the court cannot conclude that MERS falls within any of the five enumerated examples of “foreign lending institutions,” and the court declines to address sua sponte whether MERS otherwise satisfies subsection (d).”. . . “the enforcement of any loans by trustee’s sale, judicial process or deed in lieu of foreclosure or otherwise. . .” “Accordingly, section 191(c)(7) does not exempt MERS’s activity.”
CHAMPLAIE v. BAC, No. 2:09-cv-01316-LKK-DAD (E.D.Cal. 10-22-2009) pg23,24, attached below
As a result of MERS intentional failure from obtaining a certificate of qualification from the California Secretary of State as a “Beneficiary”, including filing returns and paying taxes, MERS is not allowed the right to defend a lawsuit when named as or defending its actions in a “Beneficiary” capacity, pursuant to California Revenue & Taxation Code Section §§ 23301, 23301.6, 23304.1.
“UMML qualified to transact intrastate business, but failed to pay the necessary fees, penalties and taxes.
The trial court correctly dismissed the complaint without prejudice.”
“we will dismiss a nonqualified foreign corporation’s appeal if we determine the nonqualified foreign corporation transacted
intrastate business in California.9 (Corp. Code, §§ 2105, 2203.) We believe this approach advances the policies of preventing tax evasion through the even-handed administration of the tax laws, while encouraging qualification of foreign corporations by prohibiting a delinquent corporation from enjoying the privileges of a going concern.”
“9 Pursuant to Corporations Code § 2203, subdivision (c), and as recognized in United Medical, supra, and Mediterranean Exports, Inc. v. Superior Court, supra, a nonqualified foreign corporation is prohibited from maintaining an action in state court only until it complies with Corporations Code section 2105, pays to the Secretary of State a penalty of $250 and the fees for filing the required statement, and files with the court clerk receipts substantiating payment of such fees and franchise taxes and any other business taxes. Since the tax liability will be the issue presented to us, we will allow a nonqualified foreign corporation to maintain an action before us if it presents evidence substantiating it has qualified with the Secretary of State and paid the $250 penalty pursuant to Corporations Code section 2203, subdivision (c).”
In the Matter of the Appeal of Reitman Atlantic Corporation, 2001-SBE-002-A, See attached below
or Perlas v. Mortgage Elec. Registration Systems, Inc., 2010 WL 3079262 * 7, an unpublished case as of 10/18/2010
So demand MERS filing of receipts and that Certificate of Relief from Voidability!
191 CHAMPLAIE_v_BAC_HOME_LOANS_SERVICING_LP_E_D_Cal_10-22-2009
atto, 49 Cal. App. 4th 1732 – Cal_ Court of Appeals, 2nd Appellate Dist., 5th Div. 1996 – Google Scholar
bellistri-v-ocwen
Joseph Born v. Koop
mann-order_salazar
MERS RULES(June2009)
MERS Southeast Legal Seminar (11.10.04) final
MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC v. NEBRASKA DEPARTMENT OF BANKING AND FINANCE – NE Supreme Court
Ott v. Home Savings & Loan Association
Perlas v. MERS
Reitman Atlantic Corporation BOE
Rickie_Walker_P_and_A
RickieWalkerOrder
Tags: Foreclosure, Fraud, HOEPA, litigation, mers, Mortgage modification, Real Estate Settlement Procedures Act, stop foreclosure, wrongful foreclosure	Comments
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The government has hard evidence that bank servicers are participating in criminal conduct that includes forging instruments, pe […] Neil GarfieldShare your Foreclosure Experiences with Lending Lies by completing our short Survey. February 17, 2017Please tell Lending Lies about your foreclosure experience here: Foreclosure Survey Please complete our our brief survey on your experiences. All answers are confidential and will not be shared. No personal information required or collected. We will report about our findings in the next several weeks. Thank you in advance for your participation.Filed under: […] Neil GarfieldHouk v. PennyMAC CORP. | FL 2DCA – PennyMac failed to meet its burden of showing the nonexistence of a genuine issue of material fact regarding its entitlement to enforce the lost note. February 17, 2017Hat tip to StopForeclosureFraud.com See: http://stopforeclosurefraud.com/2017/02/16/houk-v-pennymac-corp-fl-2dca-pennymac-failed-to-meet-its-burden-of-showing-the-nonexistence-of-a-genuine-issue-of-material-fact-regarding-its-entitlement-to-enforce-the-lost-note/ LANE A. HOUK, Appellant, v. PENNYMAC CORP., substituted as party plaintiff for CitiMortgage, Inc […] Neil GarfieldDon’t Ignore That Request for return of Note At End of Case February 16, 2017Don’t Ignore That Request for return of Note At End of Case Get a consult! 202-838-6345 https://www.vcita.com/v/lendinglies to schedule CONSULT, leave message or make payments. THIS ARTICLE IS NOT A LEGAL OPINION UPON WHICH YOU CAN RELY IN ANY INDIVIDUAL CASE. HIRE A LAWYER. It is standard to request and receive the note at […] Neil GarfieldThe Neil Garfield Radio Show at 6 PM Eastern: California Foreclosure with Attorney Patricia Rodriguez February 16, 2017 Thursdays LIVE! Click in to the The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays MAIN NUMBER: 202-838-NEIL (6345). Get a Consult! https://www.vcita.com/v/lendinglies to schedule, leave message or make payments. Our Services: https://livinglies.wordpress.com/2016/04/11/what-can-you-do-for-me-an-overview-of-services-offered-by-ne […] Neil GarfieldUSA v. Minas Litos and Adrian and Daniela Tartareanu | 7th Circuit halts fraud restitution, urges fine for ‘reckless’ Bank of America February 16, 2017http://stopforeclosurefraud.com/2017/02/13/usa-v-minas-litos-and-adrian-and-daniela-tartareanu-7th-circuit-halts-fraud-restitution-urges-fine-for-reckless-bank-of-america/?utm_source=feedburner&utm_medium=twitterutm_campaign=Feed%3A+ForeclosureFraudByDinsfla+%28FORECLOSURE+FRAUD+%7C+by+DinSFLA%29 The Indiana Lawyer- Three defendants convicted of wire fra […] Neil GarfieldFill the Swamp: Former Goldman Sachs executive and “foreclosure expert”, confirmed as US Treasury Secretary February 15, 2017Editor’s Note: The story below may induce your gag reflex. Read at your own risk. http://en.mercopress.com/2017/02/14/former-goldman-sachs-executive-and-foreclosure-expert-confirmed-as-us-treasury-secretary A bitterly divided Senate on Monday confirmed Steven Mnuchin as United States treasury secretary despite strong objections by Democrats that the former […] Neil GarfieldInformation, Resources and Help with Your Mortgage Loans – Over 11,500,000 Visitors February 15, 2017Thursdays LIVE! Click in to the The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays MAIN NUMBER: 202-838-NEIL (6345). Get a Consult! https://www.vcita.com/v/lendinglies to schedule, leave message or make payments. Our Services: https://livinglies.wordpress.com/2016/04/11/what-can-you-do-for-me-an-overview-of-services-offered-by-neil-g […] Neil GarfieldCitigroup’s Crime Spree Against Americans Continues With Slaps on the Wrist February 15, 2017By Pam Martens and Russ Martens Last week, the Consumer Financial Protection Bureau (CFPB) charged two units of the Wall Street mega bank, Citigroup, with insidious fraudulent acts against homeowners while it imposed a modest $28.8 million in relief and penalties. The penalty portion of $7.4 million is meaningless because this is a bank that […] Neil GarfieldCongress wants to hear from YOU! How has Dodd-Frank affected you? February 14, 2017Below is a letter from Arkansas Congressman French Hill, a whip at the House Financial Services Committee. Hill is interested in writing a bill that actually empowers the consumer and small lenders including credit unions called the Financial Choice Act. Send your emails to : French.Hill@mail.house.gov Subject line: “Dodd-Frank Anecdote.” Dear Friends, Much […] Neil GarfieldWhat Is the CFPB and What Does It Offer Consumers? February 14, 2017Kristin Wong http://lifehacker.com/what-is-the-cfpb-and-what-does-it-offer-consumers-1792152764 The new Presidential administration will soon dissect the Dodd-Frank Act, a group of regulations the Obama administration developed in response to the 2008 financial crisis. Some political analysts expect them to disband the Consumer Financial Protection Bureau (C […] Neil GarfieldTonight on the Neil Garfield Radio Show 6pm Eastern: Q&A with Attorney Charles Marshall. February 9, 2017 Thursdays LIVE! Click in to the The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays NEW MAIN NUMBER: 202-838-NEIL (6345). Do you have a question regarding wrongful foreclosure? Tonight Neil Garfield and California Attorney Charles Marshall will answer questions from Livinglies readers. Please keep your questions short and concise s […] Neil Garfield