Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC
State: PA

Complaint narrative:
From the Office of XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX PA XXXX 1 )  Pennsylvania State Police Attention XXXX   XXXX XXXX XXXX XXXX XXXX PA XXXX 2 )  Superior Court of Pennsylvania XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, PA XXXX 4 ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX CEO : XXXX XXXX XXXX XXXX 5 )  XXXX County Sheriff Department XXXX XXXX XXXX XXXX PA XXXX Sheriff XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX XXXX CEO President XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX United States. Board of Directors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Gov. Affairs XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX President XXXX XXXX, I recived a letter from a shamless lair representing Law Firm Phelan. This garbage must stop now. Lying for defrauding a family is a shamefull behaivier and this is what this person did. I must bring to your attention and record NOW the following facts with your Office : I am a victim of fraud, and I will resolve all my issue only through the Court, not like the people below did to my property that was destroyed, abused, looted, vandalized by people with no regards to LAW. It is clear to me that in PA there is two kinds of laws one that most of the people like me respect and one that Law Firm like XXXX, Phelan XXXX, XXXX, XXXX XXXX   consider irrelevant and they can abuse without any consequences. Such abuses must change now. Law Firm XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with XXXX XXXX with permission of the local Sheriff Office ( as stated by the rep of Phelan ) vandalize and loot my property not because I have any financial obligation or even any obligation under Mortgage NOTE but because my name is on the DEED!!!!!!!! The Local Sheriff Office was informed that the property is located in a gated community and once the Deed is temporary or permeant took, you will not have access to the community. XXXX was aware of this, and they hired Law Firm Phelan ( another crime partners since both of them had been finding GUILTY at the Supreme Court of triple charging clients, as they consider themselves above the law ), to loot my property. I pray that this Law Firm understands now the can of worms they open since I will challenge even the ownership in Pennsylvania regardless of the cost and time. This time this abusing and deceiving XXXX XXXX XXXX XXXX XXXX Law Firm went too far, and I will do my best to make sure their practice law in the USA will become public. Now the USA, Inspector General, DOJ, Dept of Commerce, PA Attorney General, PA Governor and 257 more institutions are informed about this criminal activity that put temporarily in the street a family only because MY name is on the DEED. Those kind of Law Firms is more dangerous than any criminal organization for making in Pennsylvania a liability to be the owner of a property. Law Firm XXXX XXXX XXXX XXXX XXXX at the request of XXXX XXXX CEO : XXXX XXXX XXXX XXXX decided to defraud my family. This is more dangerous than XXXX or any criminal or terrorist organization on this planet since Ownership is protected under the constitution and this Law Firm ignore this fact. Now this abuse will create a massive legal case and even if will take 50 years so be it. I want to record with your Office the criminal activity of Law Firms XXXX XXXX XXXX XXXX and XXXX, XXXX and her {$75000.00} ( wow!!! Business ), XXXX XXXX, XXXX XXXX CEO : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and in particular their anonym worker XXXX XXXX as well as XXXX, XXXX XXXX XXXX XXXX CEO and in particular XXXX XXXX from XXXX Texas that know I will be in XXXX to prove that the documents used to defraud my property are forged and fabricated. Please see attached official Supreme Court Document stating all this. I represent myself and I am sure at the end I will win my house back. I want to record this so your office the Local Sheriff Office has this officially. Once I win my legal case there will be criminal charges against all mention people above, count on it. XXXX should bring back all stolen private property done most criminally before the legal cases will start. I will never be intimidated. I will never stop never even if will take 50 years. I am not a criminal ; I only defend my property stolen temporary from me in a top secret close door act against PA Foreclosure act 6/91. I am a victim of fraud done in particular by XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX   with false and forged documents and a Mortgage Note never signed by myself. I am very confident that the Supreme Court will award back my property. I want to record OFFICIALLY the theft and vandalism done by XXXX from XXXX XXXX, Pehalm, XXXX, XXXX, XXXX and XXXX XXXX   to my property since was illegal and fraudulent and done in a top secret close door act done on XX/XX/XXXX. I am the Owner of XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX that was, is and will always be my property. I am also confident that there will never be a person buying this property once they will discover all the legal implication. I do not have any financial obligation in this planet or on this property, and my name is on the Deed and not on the Mortgage Note which is the only document giving the bank the right to repossess the property. I am writing XXXX XXXX XXXX again since I will get back my property for which I am 1000000 % confident. I want to record with your office the barbaric act of vandalism, criminal trespassing inside my property and theft so in the future there would be no dispute in the criminal courts. I want to make sure that the criminal activity of all people and companys mention above will be recorded TOO regarding their horrible vandalism looting devastation did to my property for which I do not have any mortgage as my name is not on any mortgage Note. The case is a Supreme Court and if necessary will go to the Supreme Court in DC so they will pay massive legal fees. Once this case is over the entire abuse will go to Federal Court and we restart from the beginning. I am glad that this happened since those people, companies and lawyer which used forge documents IN ORDER TO OBTAIN A FRAUDULENT DECISION will be expose. No lying lawyer or Judge are above law period. I have a meeting with the President Judge at the Superior Court to start a massive investigation on the fraud perform by XXXX. I will never stop until all damages are paid period. I am a victim of fraud they should NEVER FORGET THAT is my property and will remain my property. To understand the criminal activity of XXXX and the two law Firm involved please see legal cases involved. Pa. Justices Revive Foreclosure Fee Suits Against Law Firms By XXXX XXXX XXXX, XXXX ( XX/XX/XXXX, XXXX XXXX EDT ) and find Guilty the two Law Firm XXXX and Pelham -- The Pennsylvania Supreme Court on Monday revived a pair of putative class actions accusing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX of illegally collecting excessive fees in connection with mortgage foreclosure actions against Pennsylvania homeowners, concluding that attorneys can be found liable to borrowers under state law. In a 3-1 decision, Pennsylvanias highest court reversed a XX/XX/XXXX Superior Court ruling that Pennsylvanias Loan Interest and Protection Act, also known as Act 6,  only restricted residential mortgage lenders, and not law firms, from charging ... Class Action filed against XXXX XXXX XXXX for violations of FDCP A class action lawsuit filed in XX/XX/XXXX under the Fair Debt Collection Practices Act in United States District Court, My name is XXXX XXXX. Now XXXX XXXX must pay before I get back my property and win the legal case. I will clarify for YOU the importance of the Mortgage Note and I pray that all mention above will finally understand that the top secret close door act was illegal, fraudulent and against 6/91 Foreclosure act of PA. Also I want to clarify the fact that the documents sent to foreclose on my property are forge document. Each document has an IP address and I sent this forge document to see from where this IP address came from so I can file criminal charges to that IP address user too as I will do against all people and companies mention above. I will explain again so this XXXX XXXX will understands the vital importance of this document. What is the difference between a mortgage and a Promissory Note? Homebuyers sometimes think of the mortgage ( or deed of trust ) as the contract they are signing with the bank to borrow money to purchase a house, but it is the promissory note that contains the promise to repay the amount borrowed. A mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. The mortgage note states the amount of debt and the rate of interest, and obligates the borrower, who signs the note, personally responsible for repayment. Without a promissory note, a foreclosing plaintiff can not show a legal injury, i.e., does not have standing to sue. Without standing, the action before the court does not qualify as a " case or controversy '' under Article III of the constitution. Courts can only make rulings on " cases or controversies ; '' advisory opinions are a legal nullity. Consequently, a court that purports to enter a " judgment '' where it has no subject matter jurisdiction has in fact entered a legal nullity on its docket ; that " judgment '' is void as a matter of law. As such, any such " judgment '' entered where the plaintiff had no standing is open to collateral attack in any subsequent proceeding. What is more, subject matter jurisdiction can not be waived ; were that the case, parties could falsely induce courts to make binding rulings -- obviously non-sensical. In essence, the ruling upheld that those who had purchased foreclosure properties that had been illegally foreclosed upon did not in fact have title to those properties. As mention many times soon I will get back my property and soon will start my criminal case against everybody that defrauded my property and must pay {$260000.00} very fast. I filed complaints with Dept. of Justice, PA Attorney General & Governor as well as other Dept. XXXX XXXX CEO : XXXX XXXX XXXX XXXX was informed weekly and now is directly involved in defrauding my property. Also vandalism, theft organized from XX/XX/XXXX until XX/XX/XXXX done without having any legal rights or permission to enter inside my property as well as the theft from XX/XX/XXXX when they stole all my private property without giving me any chance to defend myself. How can you allow looting, vandalism, theft and criminal activity inside a property and the case is in Courts????? The people involved in this horrible theft and vandalism knew about these laws and acted secretly so they could defraud me without any problems. I want your office to notice the following facts : 1 ) XXXX is a close in community with gate and security guard at all gates. 
2 ) the Deed was transferred temporary to XXXX XXXX on a fraudulent and illegal top secret close door. 
3 ) until I get back my Deed I do not can not have access at the Gate even if today I pay all my utilities. 
4 ) Since my case is at the Supreme Court, I will let the Court return my property through the legal decision. 
5 ) It is time to stop those top secret closed door activity in XXXX County NOW. ITEMIZED LIST OF ITEMS OF STOLEN PRIVATE PROPERTY ( I DO NOT HAVE MORTGAGE ) 1 ) Main floor bedroom furniture includes bed mattress table two chairs total value {$750.00} 2 ) Main bedroom clothes and entry closet value {$6900.00} 3 ) Main floor living room : refrigerator, dishwasher machine, stove, microwave, value {$2600.00} 4 ) Main floor XXXX vitrine as well as dinner table chest value {$6600.00} 5 ) Main floor XXXX large flat TV, video recorder, video player 800 DVD value {$5800.00} 6 ) Main floor fireplace accessory other decoration tools, accessory value {$4600.00} 7 ) Main floor XXXX crystal and ( 12 people ) dinnerware crystal decoration value {$4800.00} 8 ) Main floor Washer and dryer plus bathrooms items value {$1700.00} 9 ) Main floor window treatments and decorations value {$2500.00} 10 ) Main floor lamps decoration, XXXX fan, tablecloths others value {$5500.00} 11 ) Main floor very exclusive plate decoration value {$4800.00} 12 ) Main floor porch garden tools furniture grill other value {$5700.00} 13 ) Basement 2 bicycles golf four full sets, bar ; winter sports items value {$5400.00} 14 ) Basement Antique fireplace decoration from XXXX value {$12000.00} 15 ) Basement antique items and decoration items in window and vitrine value {$6800.00} 16 ) Basement books, boiler, XXXX bar, air condition, others value {$6900.00} 17 )  Second-floor Bamboos bedroom two furniture deco TV chairs value {$3900.00} 18 ) Second-floor books in the bedroom closet other items value {$4600.00} 19 ) The second floor in second bedroom clothes including 20 suits value {$7800.00} 20 ) Second-floor bedroom # 2 cloth including suits coats pullovers value {$4900.00} 21 ) Second-floor Livingroom sofa, TV, Karaoke DVD VHS CASSETTES MUSIC value {$12000.00} 22 )  Second-floor Livingroom Bamboo chest with 20 pullovers decoration value {$5800.00} 23 ) Second-floor wall decorations and memorabilia value {$18000.00} 24 ) Main entry furniture decorations other items inside the house value {$1500.00} 25 ) Garden tools and small shed value {$1600.00} 26 ) 24 garden large pine trees value {$22000.00} 27 ) Two large decoration deck trees value {$900.00}  Total {$160000.00} There is another {$74000.00} on the stolen property for which I have all Photo Total damages is now {$240000.00} plus {$23000.00} for a GRAND TOTAL of {$260000.00} Thank you XXXX XXXX

Company response to consumer: Closed with explanation