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Words from the Rising Republics

Be Careful. The Unbonded Judge assigned may not retire.

 

IN THE CIRCUIT COURT OF

 

DALE COUNTY, ALABAMA

HAYWOOD JACKSON MIZELL           )

                                                    )

               PLAINTIFF,                      )

                                                    )

VS                                                 )       NO. CV – 13 – 6 The Holman House without

                                                     )                                City of Ozark Eminent Domain Title

WILLIAM G BARRY &                        )

WELLS FARGO BANK                        )

                                                      )

                 DEFENDANT.                   )

         The following is a transcript of the hearing in the above case which was held on November 4, 2014, and the Dale County Courthouse, Ozark, Alabama, with the Hon. Kenneth W Quattlebaum presiding.

A-P-P-E-A-R-A-N-C-E-S

FOR THE PLAINTIFF:

                                   HAYWOOD JACKSON MIZELL

                                   4518 WOODLEDGE DR.

                                    MONTGOMERY, AL 36109

FOR THE DEFENDANT:

                                     HON. D. KEITH ANDRESS

                                     BAKER DONALDSON

                                     WELLS FARGO TOWER

                                     420 20TH ST. N., SUITE 1400

                                      BIRMINGHAM, AL 35203

I-N-D-E-X

CASE CAPTION …………………………………………………………………...….1

APPEARANCES …………………………………………………………………...…..2

INDEX………………………………………………………………………………….......3

ARGUMENT BY MR. MIZELL ……………………………………………………..4

ARGUMENT BY MR. ANDREWS………………………………………………….10

ARGUMENT BY MR. MIZELL………………………………………………………..12

REPORTER CERTIFICATE…………………………………………………………...14

P-R-O-C-E-E-D-I-N-G-S

     MR. MIZELL: Wells Fargo sent me a couple of letters that said they did not disburse original documents. So, I had been a chairman, a Vice-Chairman of the bank, and I knew that in licensing from a bank you had to deal only in originals.

    So, I took it upon myself to document what I said is true. Here is to bank checks, and you can see this one right here very clearly says “original documents.” It’s on every bank check, original document. This one is another bank. This is BB&T and it sort of curved, but it says, “original documents.” When you look down here at this line right here you think it is a signature line, but it’s not. It says, “authorized representatives.” You have to blow it up 60 times to see what it says. And over here on the right side up here, the name has to be in all caps. And being a corporation or an individual, that individual becomes an all capitals corporation. And the signer over here becomes his authorized representative. This is a corporation because corporations can only deal with corporations.

     Okay. So, I knew that they had to be an authorized representative. even to make a check viable and marketable they say.

     Well, when I asked the court, I thought in petitioning the court that I simply was going to file a misprision of felony with Judge Fillmore, because I didn’t know that he had actually taken McLaughlin’s place.

   So, I just filed it over there. And I knew in the petition I wanted the court to look and see whether he had authorization to speak for the Corporation. In which this case, if I’m going to sign this check down here, I’ve got to have a check card at the bank. I wanted them to check and see that he was an authorized representative of Wells Fargo. And the only way he can get that authorization is by corporate resolution. Nothing can be done without a corporate resolution, because he is the designated representative, because Wells Fargo is the legal entity. Wells Fargo is a dead corporation legal entity. It must have a representative, just like any dead corporation.

     Okay. So, I asked the court to look into that, and I thought that since Wells Fargo had a signed authorized representative and that representative was saying that Wells Fargo by policy didn’t disburse original documents, then I would be faced with lengthly trouble.

     So, I talked to Mr. Graham here, and he was kind enough to say, "We’ll go pay it off and you can quit dealing with them." He was getting, I think, like 1.75% interest, something like that. I was paying 7.2% and they wouldn’t---would not refinance the loan, wouldn’t sell it to anybody, would let us pay it off.

     So, we didn’t know what to do.

     So, they said if you don’t pay it all, and let Wells Fargo go to the courthouse and release the lien that is on the file in the courthouse, Wells Fargo will foreclose, wouldn’t have any choice.

     So, I looked into the law, and there's no question about it.

   In an injunction, when I asked for an injunctive relief by petition, it was basically saying to the court look at it and see if we can have a permanent injunction or is it something ---so, they took their temporary measure and tried to tell me that the non-judicial foreclosure was permanent, though contrary to the clear language of the law..

     Well, you can’t there’s no question you can foreclose, but could evict without possession of the debt note, which they had already sold and been paid. Wells Fargo wanted two payments for the same debt, plus insurance proceedings from a claim due to a foreclosure.

   In fact, you can go in without any kind of permission from anybody and just take over the property. There’s no question about that but you cannot evict without the document. You’ve got to have the document. The attorneys let Wells Fargo violate the law, from permission stated by their barred attorney even though the statement is not competent evidence.

     And so, they are trying to base everything thereon, including the motion for summary judgment and like that, based on that particular temporary procedure. Now, we are here today because they have filed a motion as well for summary judgment.

   THE COURT: That is not before the court today.

     MR. MIZELL: Not today?

     THE COURT: I’ll be setting that for hearing, and you will have an opportunity to respond. I think you’ve already filed something.

     MR. MIZELL: Yes.

     THE COURT: But you have additional time.

     MR. MIZELL: Thank you

     THE COURT: --to respond to that, yeah. So, we are not here on a hearing on that today.

     MR. MIZELL: I’m sorry I’m not a lawyer because I don’t know all the procedures, but thank you for helping me.

     THE COURT: Yes, sir.

     MR. MIZELL: Since they didn’t have, I believe, the right to foreclose because they don’t have the document in hand, and they confess they didn’t have it, so I assume that if they go ahead and foreclose, that is SEPARATING the mortgage from the note.

     So, on just by coincidence on January 14, I think, the Alabama Supreme Court was so fed up with this issue that they send it back to the Alabama Court of Appeals, because they’ll deal with the contract. If there is a contractual problem, no, but we ain’t going to listen to this because of the Cow and the tail. It is simply this, the Cow can live without the tail and the Cow is the note in the tail is a mortgage you cannot waive the tail without the Cow. And if the Cow and the tail are separated, THE CONTRACT IS NULL AND VOID.

     So, the one thing I couldn’t get them to do is to acknowledge that we have not defaulted because we were prepared to pay.

     And all they had to do was give us the note after payment in full when we give them the money and they wouldn’t do it. So, I made him (Mr. Graham) available in the federal courtroom, I made him (Mr. Graham) available here.

     If anybody got any question whether not, he had the money to pay the note, he’s got the deposit slip to show he had the money, and the deposit was in Wells Fargo’s bank. They didn’t have any question whether it was legitimate or not legitimate.

   They had said, we will not disburse. Wells Fargo belives it has a legal right to foreclose, because there’s a mortgage lien on file at the courthouse that was filed in 2003, and nobody would argument that, we actually wanted to pay off the note. What can you do? Where do you go to pay off the note?

     And the thing that concerned me more than anything else was that in 1982 Jesse Adams and Adams were in the divorce. Jesse was fixed to tear the building down with a salvage company out of Atlanta. And I said, let’s look at the important things. How much would it cost to get your wife back? He said, “$120,000,” after much figuring into it. He owed $75,000 to Farmers and Merchants Bank in Ariton.

   So, I told him I would pay him the hundred $120,000. He said, “Well, what about the house?” I said we’ll just lease it from you.

     We looked at that a little bit while, and it was just too much. The minimum we could do was $500,000. And then there was first cousin Gene Sellers who is an accountant and CPA and a tax lawyer, said that they just come up with a new thing called the 25% investment tax credit; that you go back on all the employees you had and get all those kind of credits. And he came up if I spent a dollar, I could get $0.25 task what if every dollar spent. I wound up spending enough to where they sent me $350,000. So, I spent $1.2 million or something on the house and that was by August.

     Okay. Well, ever since then I had a cousin he took the improvements, took the 25% credit, and I was going to do the same thing for Jimmy Graham because my cousin gave me a quick claim so, even though I was paying for everything, they were getting the tax credit. And a benefit tax credit was coming to me because I was using the house.

     Well, the problem is the Treasure is very persnickety. We could lease it from Jesse, but to use tax credit, the tax credit had to be property that I owned. You cannot use taxpayer to benefit somebody else. So right now, so to make a point, the city of Ozark cannot spend one penny of taxpayer’s money on that house because there is a cloudy title, and a quiet title must return the title back to me because of no eminent domain tribunal procedure to transfer title. It’s an absolute operation of law.

     So, I don’t want to cause anybody any trouble. I just want to do what I’m supposed to do, and that is to preserve the property and that’s all.

     And so, I’ve done everything I could. I’ve gone back and researched a look what J.D. Holman did, how Isom McGee got killed by lynching because the sons wanted Isom’s Louisiana property that J.D. Holman had made the purchase available for him. All right. So, where he had gone to the Supreme Court and had a ruling in 1935, he and the (unintelligible) reporter asked for clarification

MR. MIZELL: J.D. Holman and his wife, Sudie Holman and his brother Y. Allen Holman, suffice it to say, that there is a great history that nobody knew about, and I did know about it before  this court came about or in this case rather.

     So, all I’m saying is if Wells Fargo had the right to foreclose, let them do it after a temporary injunction has taken their right way. Let them come forward with the Rule 17 and prove that they are PARTY OF INTEREST because they are IN POSSESSION OF THE OBLIGATION.

     And the law clearly says that only the one who holds the obligation can foreclose. Well, Wells Fargo will tell you they hold the obligation. They’ll say that, but really what they say is not  in the Uniform Commercial Code and throughout all the other law is that has to do with the HOLDER IN DUE COURSE. In other words, you got to have the note by possession. It must be in your hand. In fact, in your hand when you start foreclosing proceedings.

     Here’s another thing. I begged them to let me come with Jimmy Graham and pay them the money and remove the "cloud" over the title, and they wouldn’t do it.

   And the law clearly says that before they could commence foreclosure, they must have a face-to-face meeting with you. And they absolutely refused.

     So, how can I do it? What can I do? Who is brave enough to enforce the law on Wells Fargo? A 20 year jail sentence does not slow their officials.  The FBI says they could not get a jury trial conviction against the deep pocketed Wells Fargo's stable of attorneys.

     So, I asked, why won’t you let me pay the note in total and then give me the original note, taking it out of circulation? Wells Fargo said that because the original note was never filed, (I think it’s some part of section 2071) says somebody that manipulates our etc. particular thing on file or remove it is subject to a three-year prison term plus so much fine. I’ve forgotten the fine. They said that since they didn’t file it, they didn’t have to give it to anybody.

     Well, I really don’t know what to do, really. If Mr. Graham’s money is no good, why is it in that Wells Fargo’s bank. And if Wells Fargo won’t let me pay, the note clearly says the debt is evidenced by the note.

     If they don’t have the note, there is no debt. Just that simple.

     The mortgage says you can prepay the note. You don’t have to wait for 30 years.

   So, I asked the Wells Fargo lady, I said, “Ma’am what if I continue to pay and we pay it all through the course of time, will I get the note when I completed the contract?”

     She said, “No. You will never see the note again.

   I said, “Ma’am you don’t understand, the Uniform Commercial Code clearly says that you must SURRENDER THE INSTRUMENT WHEN FULL PAYMENT IS MADE.”

     She said, “We are not subject to Uniform Commercial Code.” What can I do?

     I was not going to steal money from Wells Fargo. I didn’t steal any money from SouthTrust or AmSouth or Farmers and Merchants Bank.

     I have an obligation to pay that debt, and I made every effort I could. Wells Fargo installed obstacles to keep me from paying the debt.

     And number two, as sworn in that note, I swore to a BORROWERS COVENANT. A borrowers covenant, that’s like standing before God saying, “God I’m going to do this. I vow that I will do it.”

     And you know what that covenant says, DEFEND GENERALLY THE TITLE. And the title cannot be defended if there is no note, if Wells Fargo does not come forward with the note.

     And today, they filed 10 days ago for summary judgment, and they defile the law and said a piece of paper was the same as a note, when it is not so, that summary judgment has to be thrown out, that motion that they have to dismiss has to be thrown out because Wells Fargo is not presenting the debt note that they sld to FHMLC.

Now, one final thing and I will hush. A few years back I had a shady conversation with some people, very notable people who have lots of money and they wanted to develop Ozark.

     We talked about a gospel retreat near Perry between Enterprise and Opp. We were going to use that tax credit including taking care of the Holman House, plus going down to the train station and renovate some other house around.

     We needed a 5000-foot airport runway, which we just had. And the investors offered me at least $659,000 which was the appraised value for property tax purposes. After negotiation, I was given earnest money.

     We go back and talk some other place, later went out to Las Vegas, Alice Faye was with me, and we were shown example of the expected renovation standard to be used. We visited the hotel where Elvis Presley, Michael Jackson, and, at that time, Barry Manilow stayed. $60 million had been spent in renovating the top floor of the Hilton, which is the only casino in Las Vegas that had no debt and they had 5 acres. They had a lot of tax problems.

     So, it was decided we could develop the idea where, with something, and it would take a lot of people to you know provide the service that would transpire.

     People like to tour the South and whatever was needed to continue Ozark's growth would be dedicated.

     The problem was that the "gambling money" was in the distant state. And when my partner in another business told, what I called the Dixon Mafia, they said we can’t wait any longer.

     We’ve got to take control of the gaming operation in Alabama and were going to do it here. We going to build a thing called Country Crossing. First thing we got to do is, we got to take Jack’s stuff away from him. There won’t be anything to come to.

     So, they came and said we want to buy your radio station. I said, “It is not for sale.” The radio was without debt service.

     Robert Jerkin’s son looked at me and said, “Look, if you don’t sale it to them, they will steal it from you.”.

     I laughed and said, “They’re not going to do that.”

     They not only came and stole the radio; they stole the TV.

     A Gentleman was sent one afternoon to look at the Holman House. “He said, “The bank had told him that, the Citizen’s Bank, was fixing to take possession of the house.”

     I ran him off. So, I may have done bad. That was not hospitable.

     So, the long and short of it, is that they became an obstacle to the whole City of Ozark and to everyone in this area. I know some bad things may have happened with the other stuff and with them pushing gambling and all that kind of stuff. I’m not responsible for that. I don’t know. But, anyway, I did the best I could.

     I would have paid. And I think since they didn’t have the right to possess, they went ahead and took police officers and law enforcement people and put them there to make sure it wasn’t as appeared. It had “the color of law” to it but the law said you can’t do a private foreclosure when law enforcement is present. If you do that, then you deny a constitutional right of due process. The foreclosure was wrongful in many ways. Wells Fargo had improperly refused full payment.  There could never be a default.

     The case was transferred to the federal court. The federal court said that it was a question of property and sent the case back to the state, let the state apply the law. So, the federal court decided that I couldn’t have any kind of suit against the law enforcement people because I wouldn’t say who those present at the foreclosure were. I wasn’t there. The affidavit of one in attendance that confirmed law enforcement presence was not considered.

     So, now I came back to file subpoenas because Wells Fargo said, “We are going to do nothing without subpoenas.” And I had to file subpoenas and asked each one of them to tell me what they had done, and so far, as I know, they haven’t said anything. We wrestle not against flesh and blood.

     Even though the petition was filed before the foreclosure, Wells Fargo called the petition a complaint. I called it a petition. The court was asked to investigate. For months Wells Fargo, they started running from it like scattered does, you know. Wells Fargo avoided service of process.

     Wells Fargo’s response was always in writing and addressed to a location that does not exist, to 385 E. Broad Street, an address that does not exist. I don’t get it.

      Last time I came to hearing, I came down here just to be told by the court that the case had been continued. I went upstairs to the clerk’s office and found the order for continuation on the clerk’s desk. I had never seen the continuation request.

     THE COURT: Well, thank you for your argument you might want to go by the clerk’s office and change your address record if you’re not getting mail from the court.

     MR. MIZELL: My address of record is absolutely perfect.

    THE COURT: Yeah, but things whatever is filed in the court of whatever orders I issue are sent out by the clerk to your address of record that they have.

     MR. MIZELL: I don’t know why they don’t use it. The clerk has it because I do get some stuff from the clerk. In all honestly, I just don’t get it from Wells Fargo’s attorney.

     THE COURT: Court: Okay, all right, Mr. Andrews.

     MR. ANDRESS: Your Honor, I still don’t really understand what the allegation are in this case I want to give the court some background as to what happened on June 9, 2003 Mr. Mizell entered into a note with Wells Fargo Mr. Mizell was not a party to the note, but he was on the mortgage only as, I guess they were married at the time. And under Alabama law he had to sign the mortgage in order for it to be enforceable, which he did. The note was not paid back, it was in default. And according to allegations, Mr. Mizell was going to have a third party take the assignment of the note, but he wanted to see the original note that Wells Fargo was said to possess note before he could pay it off the debt. That’s what they allege.

   And that, they can allege that, but the note doesn’t allow for giving the note, an unpaid note, an original document to another person to have pay it off. If Mr. James Graham wanted to pay off the note or take an assignment of the note, he was a third party to this transaction, he could have asked Wells Fargo, maybe they would have done it, maybe they wouldn’t have. They had no obligation to do any of this what he alleges.

     The only obligation was for Mr. Mizell to pay back the note, which he/she didn’t do. And there’s no allegation here that the note was current at the time of the foreclosure. It was not.

     But what they’re saying is allegations that somebody would have paid off the note if they would have gotten to see the original note before they paid it off and then they would have paid it off. Well, it doesn’t work that way and even if that happened, and for this, is our opposition to this motion to dismiss standard, so will take whatever they say it at this point true that doesn’t state a case against Wells Fargo you can’t change the rules to create a system and then file suit because a rule don’t that nobody agreed to work or followed,. And that’s what we have here there is no allegation that the foreclosure was improper; that they didn’t get notice under Alabama law or any notices required by the mortgage or that the sale wasn’t properly advertised or that the sale didn’t occur. There’s no allegation to that.

     And another thing, as to the foreclosure sale, the city of Ozark brought the property. So, now they are the person, they are the entity that owns the property. They paid for it at a foreclosure sale. And you would have had a one-year right of redemption where somebody could have come in and bought the property for exactly what was paid at foreclosure by the city of Ozark. So, that wasn’t done.

     And, you know, we don’t hear any of this and we get and this suit, filed in the federal court on a 1982 claim, was dismissed and sent to this court and Your Honor they don’t have the right parties, they don’t have any allegation that states claim under Alabama law.

     This shows me that the note had been soundly rejected by the court. This is a nonjudicial state. You don’t have to show somebody an original note in order to conduct a foreclosure. And so, that doesn’t state a claim. And then there is a foreclosure and that that somehow split the note. Your Honor, you see a lot of this with these pro se cases. It’s all over the Internet, and it’s been rejected also by Alabama Supreme Court in Cullman, this note splitting theory. And a foreclosure is not even note splitting. What a foreclosure does, it doesn’t separate from a mortgage, it distinguishes the debt if the foreclosure sale price is sufficient to extinguish the debt. It doesn’t split the noted, it ends the note. And it ends the mortgage because it transfers title to the entity that purchases the property at the foreclosure sale.

     So, Your Honor, this motion to set aside foreclosure should be denied. We have a motion for summary judgment the court will set, and we look forward to arguing that. And we also say if Mr. Mizell is going to pursue this further if the court doesn’t dismiss, you know, this case, then he needs to bring the right people and so we can just go ahead and handle this at once and be done with it.

     THE COURT: All right, sir. Thank you. Mr. Mizell have you any rebuttal?

   MR. MIZELL: Well, I think I filed that they did not comply with the contract. We are not asking about whether they split the note and the mortgage and all that stuff. The note was split because they don’t have it. The proven supposition is that three days after Wells Fargo got the note signed, that ends the Truth in Lending law, after rescission ends, they take the note then put it in a scan and it then becomes an electronic file. The original note is shredded. It no longer exists, it’s gone. I can't pay what doesn't appear and does not exist.

     Okay. Now, that would be fine if I had the money and didn’t have to go to Mr. Graham. But Mr. Graham is old-fashioned like the Ozark Baptist Church. When it paid in full the signed note, the event was reported in the Southern Star. The note was publicly burned. The burning was held at a church worship service.

     Mr. Graham thinks he’s got to see the note before he pays it. Wells Fargo said they didn’t have it to present it. So, what do I do? I’m between two things, the 20 century the 21st century, if you will. That’s my dilemma. I can’t pay for it if Mr. Graham wants to know, and I can’t pay for it if he doesn’t get the note after full payment. So, what am I going to do?

     And then we go to the bank over and over seeking the right to pay the note in full. In 2012, we were supposed to sit down here in the bank of Ozark building, which is now Wells Fargo, and give them the money, permission to take it out of Mr. Graham’s deposit account in Birmingham, and Wells Fargo was then to give me the paid note so I could give it to Mr. Graham. And I was going to make the mortgage where he could use work on the house with a 25% tax credit, and I was going to pay Mr. Graham 3% interest. If that had happened, we wouldn’t be here today. But on that day, the law says because we offered to pay it and had the money to pay with, that’s when the interest stopped. Wells Fargo said we were late. We were not late. They were just charging us interest against the law. So, this $22,000 worth of interest since 2012 is ours, Wells Fargo is the thief, that’s all. That’s what the law says. I didn’t say it. I don’t know if I’m right or wrong, but that’s what the law says.

   Okay. So, where’s the $22,000 that is taken by Wells Fargo? They could not refuse to take payment in full. They can’t take any more interest. They did anyway.

     Now, Mr. Andress was talking about the foreclosure being properly advertised in the paper. I can tell you that I paid $283 to get absolute proof in the paper that we did not consent because we were not in default. Wells Fargo knew we were not in default. We asked attorney Morris Hardwick and whatever, to let us pay the note. They sent us a letter saying you are in complete default, everything is due. I said, fine, bring us the note, we’ll pay it.

     Not a single response from them, not a word. Sent them again registered mail. No response. They sent somebody down here and auctioned the property. The auction was supposed to be at 11 am. I think it was conducted at 1:30 pm. Is something to be hidden, no exposure of what they were doing. The original note can’t be shown because it’s been destroyed.

     That’s just a fact now, if destruction of the original is not separation of the note and the mortgage, I don’t know what it is. Who all are to be sentenced to 20 years?

     If Wells Fargo contends that the note has not been destroyed, bring it here and stamp it paid in full and acknowledge that it is mine. I will own it. Wells Fargo will not.

     THE COURT: Mr. Mizell, let me interrupt you just a minute. Just make your argument to me, okay.

     MR. MIZELL: I’m sorry. His ears are indeed sensitive to facts.

     THE COURT: ---rather than to him.

     MR. MIZELL: I’m saying a fact that the note is my property especially since the auction paid the note in full.

     THE COURT: Yes, sir.

     MR. MIZELL: Wells Fargo sent a 1099A to the IRS saying that FMHLC was the lender and that I had abandoned the property. All Wells Fargo wants is unjust enrichment. That’s all. They could care less about the town, they could care less about me, they could care less about this court. When you send them something, they going to go out of their way to evade responsibility. There are not to give an account for their actions. They don’t work the case anymore. They moved to another case or whatever, that kind of stuff. Wells Fargo is populated with devious folks, that’s true. Sorry, it’s been a long time.

     THE COURT: All right. Well, I will take your motion and arguments that have been made today and consider those, and I’ll be issuing an order. And then I’ll also, depending on the decision of this motion, decide about setting the motion summary judgment. Okay.

     MR. MIZELL: Your Honor, I want to thank you. When we were at federal court, they turned down the volume so much nobody could hear.

     THE COURT: Yes, sir.

     MR. MIZELL: Had I not had special sound equipment; I could never have heard what was said. It took me many weeks to get the audio and then I transcribed it using Dragon. And so, I want to thank you. I don’t think anybody had any trouble hearing I apologize.

     THE COURT: No, I appreciate it. Thank you. We stand adjourned.

(End of proceedings)

REPORTER CERTIFICATE

STATE OF ALABAMA

DALE COUNTY

     I, Stephanie H. German, Court Reporter and Notary Public, State at large, do hereby certify that the foregoing transcript is a true and correct reproduction of the testimony heard on said occasion.

     WITNESS my hand this the 3rd day of April 2015

/s/ Stephanie H German

           STEPHANIE H. GERMAN-CSR

                                                 ACCR LICENSE # 87

                                                                    Filed DALE COUNTY

                                                                            April 15, 2015

FOR WHAT ITS WORTH

 

FOR WHAT ITS WORTH

     The real issue always at hand is distilled into one word, CONTROL. In the instant Quiet Title Action, Wells Fargo had sold the loan and was without lien yet took control so that the City of Ozark could take control of the property without an Eminent Domain procedure and appearing to gain control at a small fraction of the property value.

     In 2008, when earnest money had sealed a sale, Wells Fargo sabotaged the sale by reducing the property value to zero and making it unmarketable. Snipers on the roof and other law enforcement personnel were at the foreclosure auction to control the number of bidders, limiting the number to one.

     What do you call it when a bunch of companies colludes to set prices, fix markets, close off competition, capture regulators, and bribe politicians? We call it a cartel, right? Few have heard the term, BANKING CARTEL.

Nelson Rockefeller famously said, “The secret to success is to own nothing, but control everything.”

It is against equity to deprive freeman of the free disposal of their own property. Co. Litt. 223. See 1 Bouv. Inst. n. 455, 460.

     Big Central bank officials escape 20-year jail sentences because the corporations are considered by congress “too big to fail” even when the officials function as criminals making them what the FBI before congress has labeled as “criminal enterprises”. A multitude of crimes, at a minimum, avoid prosecution under Title 18 §1512(B) alter, destroy, mutilate, or conceal an object with intent to impair the object's integrity or availability for use in an official proceeding;

“Banking was conceived in iniquity and born in sin. Bankers own the earth; take it away from them but leave them with the power to create credit, and, with a flick of the pen, they will create enough money to buy it all back again. Take this power away from them and all great fortunes like mine will disappear, and they ought to disappear, for then this world would be a happier and better world to live in. But if you want to be slaves of bankers and pay the cost of your own slavery, then let the bankers control money and control credit.” - Lord Stamp, Director of the Bank of England, 1940.

     Slightly over the past decade, the one percent have amassed control of nearly forty-six percent of the nation’s assets up from less than ten percent two decades ago. Will “Proof of Claim” enforced by the Rule of Law prevail? Public officials work for the citizens not the other way around and especially not work for the CARTEL FICTION.

"It is not the function of our Government to keep the citizen from falling into error, it is the function of the citizen to keep the Government from falling into error."  American Communications Association v. Douds, 339 U.S. 332, 442 (1950).

“A jury could find it strange that those who insist that their conduct was proper and the intent pure went to such great lengths to hide it all from the light of day. From such secrecy much may be inferred.” Cox v. Adm”r U.S. Steel & Carnegie, 17 F.3d 1386, 1402 (11th Cir. 1994).

Act 1871 U S a Corporation

 

The Act of 1871: The “United States” Is a Corporation – There are Two Constitutions

Since the Act of 1871 which established the District of Columbia, we have been living under the UNITED STATES CORPORATION which is owned by certain international bankers and aristocracy of Europe and Britain.

In 1871 the Congress changed the name of the original Constitution by changing ONE WORD — and that was very significant as you will read.

Some people do not understand that ONE WORD or TWO WORDS difference in any “legal” document DO make the critical difference. But, Congress has known, and does know, this.

1871, February 21: Congress Passes an Act to Provide a Government for the District of Columbia, also known as the Act of 1871.

With no constitutional authority to do so, Congress creates a separate form of government for the District of Columbia, a ten mile square parcel of land (see, Acts of the Forty-first Congress,” Section 34, Session III, chapters 61 and 62).

The act — passed when the country was weakened and financially depleted in the aftermath of the Civil War — was a strategic move by foreign interests (international bankers) who were intent upon gaining a stranglehold on the coffers and neck of America.

Congress cut a deal with the international bankers (specifically Rothschilds of London) to incur a DEBT to said bankers. Because the bankers were not about to lend money to a floundering nation without serious stipulations, they devised a way to get their foot in the door of the United States.

The Act of 1871 formed a corporation called THE UNITED STATES. The corporation, OWNED by foreign interests, moved in and shoved the original Constitution into a dustbin. With the Act of 1871, the organic Constitution was defaced — in effect vandalized and sabotage — when the title was capitalized and the word “for” was changed to “of” in the title.

THE CONSTITUTION OF THE UNITED STATES OF AMERICA is the constitution of the incorporated UNITED STATES OF AMERICA.

It operates in an economic capacity and has been used to fool the People into thinking it governs the Republic. It does is not!

Capitalization is NOT insignificant when one is referring to a legal document. This seemingly “minor” alteration has had a major impact on every subsequent generation of Americans.

What Congress did by passing the Act of 1871 was create an entirely new document, a constitution for the government of the District of Columbia, an INCORPORATED government. This newly altered Constitution was not intended to benefit the Republic. It benefits only the corporation of the UNITED STATES OF AMERICA and operates entirely outside the original (organic) Constitution.

Instead of having absolute and unalienable rights guaranteed under the organic Constitution, we the people now have “relative” rights or privileges. One example is the Sovereign’s right to travel, which has now been transformed (under corporate government policy) into a “privilege” that requires citizens to be licensed.

By passing the Act of 1871, Congress committed TREASON against the People who were Sovereign under the grants and decrees of the Declaration of Independence and he organic Constitution.

The Act of 1871 became the FOUNDATION of all the treason since committed by government officials.

LICENSE TO PRINT MONEY OUT OF THIN AIR

 

ESCAPING THE GLOBAL BANKING CARTEL

LICENSE TO PRINT MONEY OUT OF THIN AIR.

      Big Central bank officials escape 20-year jail sentences because the corporations are considered “too big to fail” even when the officials function as criminals making them what the FBI before congress has labeled as a “criminal enterprises”.

     _______ crimes, at a minimum, avoided prosecution under Title 18 §1512.

     Public officials work for the citizens not the other way around.

THE ANSWER: All Public Officials, without a “faithful performance bond”, must be immediately removed from office. __________ TOMORROW. Afterwards vacate all governmental offices until all are emptied and then refilled with bondable servants.

     Seize all the un-bonded officials’ personal assets until all the damages they imposed. Settled all claims for “unfaithful performance”.  

     The “destructive cancer” will consume America if we citizens allow it to continue and to spread. It is our duty to insist upon the Rule of Law.

 

"It is not the function of our Government to keep the citizen from falling into error, it is the function of the citizen to keep the Government from falling into error."  American Communications Association v. Douds, 339 U.S. 332, 442 (1950).

 

     What do you call it when a bunch of companies colludes to set prices, fix markets, close off competition, capture regulators, and bribe politicians? We call it a cartel, right? Like the oil cartel. You have heard that term before? Few have heard the term, BANKING CARTEL.

    Oh, we don't hear that term. In America, we don't have the banking cartel? We don't talk about the information cartel, right? Across America, some work for one of the information cartel companies, even in Alabama. Cartels are most insidiously when we don't talk about them, when they hide in the shadows, but are in plain view.

   The banking system payments, the finance system is the biggest cartel in the world. Nobody calls them a cartel because they are the biggest cartel in the world.

     So, they own all of the media, newspapers, TV channels, politicians, lawyers, and their gang-member network makes it very easy for them to get away with crimes. In fact, MAGA CRIMES. Ten million foreclosures in less than a decade, few enforceable foreclosures, as decided by the Kansas State Supreme Court.    

     Just after the crisis in 2008, instead of some banker gang members going to jail, what happened was that they set up additional layer of crimes through a series of fraudulent foreclosures, “robo signing”. Remember that crisis?

     One of the leading companies in that ‘robo signing space”, the biggest “robo signer” of all was run by a guy called STEVE T. MNUCHIN. What that guy does today is that he is the Treasury Secretary, and apparently, he can do that job without running it from a jail cell.

     He caught a deal. He didn't have to accept any wrongdoing. Then quickly got a “cozy” job where now he has the ultimate level of protection, which is qualified immunity.

     That is how cartels work. First, capture the market, then capture the regulator who is always, of course, about consumer protection. The regulator is there to protect against evil things happening. Like for example, money laundering.

   If you don't have a banking license, no money laundering for you. But if you do have a banking license, well, I mean everyone must protect the system. So, they'll be fine. Usually the fine (even $25 billion) will be less than what the cartel stole ($32 Trillion) by money-laundering and identity theft. Actually, money laundering and the many exemptions granted, turns illegal plunder into legal plunder that allows them to get away with it, right?

     Of course, we don't want to see a new financing of terrorists, except for the ones we do through the State Department, the CIA or the banks, in which case those are good people. So, we have Homeland Security Regulators who can early identify the source of funds for terrorist capture. The Cartel simply ignores making any self-incriminating reports even though the report is mandatory. The Central Banking Cartel has determined national security an obstacle in its global quest of favorable balance sheets. What matters is an accumulation of worthless derivatives. The annual bonus is made to look authentic, a kind of situation doll- playhouses.

   It encourages behaviors that are fundamentally parasitic so when capitalism fails, in this particular mode, and when crony capitalism has been fully embraced, a new word is spoken, kleptocracy. Kleptocracy is from the Greek word klepto, which means thief and cracy which means authority.

   So, the thieves are in power, literally that is kleptocracy. What happens when you have a kleptocracy is that the most parasitic behaviors get rewarded so it's actually not about competing when you operate business at that scale.

   It's not about competing. What it is about is finding the biggest flow of money in the economy, straddling that money pipe and sticking the straw into it and sucking as much of that money out as you can.

     So, you can establish yourself as a parasitic leech on the flow of money which pretty much describes the entire bank and financial payment system, (fractional- banking) on the idea, first find a job that requires an intermediary, and the reason it requires an intermediary is because you've made sure that you bought some lying lawyers mouthing incompetent evidence courts rule authentic, and some lawmakers to write a law that makes it necessary to require an intermediary, specifically the cartel. You then stick a strong plow into the flow of money and the cartel start extracting rents from the fashioned peons. It is called rent-seeking-behavior seen taking the nation’s assets by half a percentage point here and half a percentage point there. Nothing is at risks, but the costs to the peon is three times its stated original value. The peon can never own what the peon’s labor purchases.

     We have this wonderful thing called fractional-reserve-banking, which if you try to describe to a small child, they probably turn around shortly and say that sounds like a fraud and they would be right. But, of course, there's a big difference between a fraud and something that's illegal plunder. How it is spun depends on which politicians or law enforcement that is bought to make sure it is called “legal plunder”.

   So, we have these parasitic cartel companies that sit on top of these flows of money extracting rents they create. This rent seeking behavior, and in doing so, will disrupt competition and make sure that no one can compete. Competition is disrupted by the buying of competitors, by suing competitors or, even better, by making sure the competitors can't keep up with regulation by capturing regulators. Cartels make sure that the competition is kept at bay. What is most important, its constructed façade is such and is made certain so that nobody can call it a cartel.

   Instead, we call it the shining example of American capitalism and the end result of this would be appallingly in its own self-righteousness. I mean, obviously, this is not a good model to run an economy. It's not a competitive model to an economy, but who is really hurt doesn't really matter if a bunch of people get obscenely rich without having to compete with others. Doesn't really matter to most people in a semi-functioning and thriving economy.

   It doesn't matter. That's the magic. Until money breaks, it is just part of the benefits of freedom. The premium of liberty is the ability to not give a rip about how any of it works. You don't need to worry about these details, you live in a free country. You are free to instead pay attention to Sunday football and enjoy your life and have another hot dog. When money stops working, suddenly all of it comes crashing back and you have to start learning some new vocabulary.

     Suddenly, at some point at the end of 2008, we all began learning new vocabulary. “Granny, what is a credit-default-swap?” “Let's ask uncle Gene. He has a degree in finance.”

   He doesn't know either. The people in the business didn't know the definition of a credit-default-swap. Most of all, they know not how it works and who was found to be behind it.

     Suddenly, everybody needs to know what a credit-default-swap is because apparently a giant hole was chewed right into the middle of the economy. Money stops working.

     Everything stops working and suddenly everyone is on a crash course to learn about whose fault was it? There are two alternative histories. In one of these histories, there were some slipups, some things happen. Some people made some mistakes, assumed to be bad mistakes. BUT YOU KNOW THEY'RE JUST PEOPLE TRYING TO DO THEIR JOB. In the end it was mostly the fault of greedy homeowners who didn't read the fine print carefully enough to realize that they were buying a ballooning interest rate and had the audacity to want to own a home.

   So, because of these greedy people, the real estate market hadn't seen worse. But don't worry because you know the responsible people had their homes taken away. The banks got some cash infusions which we don't talk about too much. After everything was fixed by passing laws so that it cannot happen again. All were told that really, really it was just a small blip. In the next 10 years, we just rebuild everything and everybody's happy.

     And now we have a warning, I can't believe it's working great. That story number one, story number two, which may be for little more professionals who are probably more in the middle class and are promise blind. They strip mine the entire economy. They have an orgy of fraud in which they knew exactly what they were doing because there are mountains and mountains and mountains of evidence that the least competent RICO lawyer could use to unravel the entire thing and SEND 500 PEOPLE TO JAIL FOR 25 YEARS and all that was ignored because we have to save the system. Otherwise the system would crush us all, so we dumped more than $10 trillion in an orgy of QUANTITATIVE EASING into the banks, which they did not used to stimulate any part of the economy, but instead to blow another giant bubble into real estate. The giant bubble into the stock market, a giant bubble into student loans, into subprime auto, into every part of the economy while at the same time they make sure those cops out there beat the sh** out of anyone who had the audacity to go out and protest as part of occupy Wall Street and that didn't work and they turned protest into a crime in an orgy of crime. They didn't just damage the economy. They rape the rule of law in this country and destroy the justice system so they could get away with it and we come full circle today 10 years later and where are we, $10 trillion more in debt. 10 more giant bubbles and it's going to happen again because a system like that is fragile because a system like that is corrupt and it's not just corrupt but it is architecturally designed in such a way as to reward and encourage that kind of behavior using a system of incentives if when you commit a crime, the penalty is less than the profits you made committing the crime.

   That is LEGAL IMMUNITY. That is a very, very loud signal in a system of capitalism, which says, do it again only this time leverage more. We could probably squeeze out another 10 years. Now a lot of solutions have been proposed for this because the problem with destroying institutions within a society is that many people who are then functionally destroyed, whose livelihood gets destroyed. Rage upon rage gets misdirected. It's the old adage of the really rich guy having 99 cookies. The middle class having one cookie and the rich guy dispatching suits going to take the other cookie and that's the oldest trick in the game. That is but one little piece of information.

     One of the houses stolen by Steve Mnuchin's Robo signing firm was taken by suits acting under the radar. I will not name him because he doesn't deserve to be named, who sends 17 bombs to Democratic congresspeople, just a few weeks ago. The guy got Robo closed on by Steve Mnuchin and decided to turn his rage against immigrants, gays and Democrats, for what reason, I don't know.

     But the point being is that when you have that kind of destruction in a society, when you destroy the institutions of the rule of law and you create rage among people they don't know where to turn and what you have is violence and extremism, bigotry, hatreds, and a desperate desire to find someone to blame.

     And of course, you can't really blame those guys because they are behind a very tall wall, so they have very good security and guillotines are out of fashion, so they try that in France, but cannot do it again because we are now a civilized country.

     So, what do you do protests? Okay, well that ends in an orgy of violence by militarized police which is doing exactly what police have always done? You can't do that, occupy, was tried, Again, an orgy of violence. See a lot of young voters who tried to see it. The conclusion was a course of least resistance, “Like I don't give a blank. These old people messed it up. I'm just going to go and play my game and ignore all of this.”

     Doesn’t work out very well trying to become part of the parasitic class. Who has somehow scrambling and clawing away escaped the middle class? Only problem is, this time, in full view the cartel ship is coming out behind you and it's moving faster than you are. In the middle-class movement, it is actually sliding backward so fast that while some are trying to scramble out of it, the middle-class is really backsliding so that doesn't work. Can we fix this problem?

 

WE STOP HERE BEFORE IT GETS BLOODY.

WAS THE HOLMAN HOUSE IN OZARK, ALABAMA STOLEN?

 

WAS THE HOLMAN HOUSE IN OZARK, ALABAMA STOLEN BY LAW ENFORCEMENT THIEVES?

An obligor is not obliged to pay the instrument if the person seeking enforcement of the instrument does not have rights of a holder in due course. Ala. Code § 7-3-305c.

 Wells Fargo Bank, N.A. reported to the IRS that it was not the lender, holder in due course, therefore Wells Fargo conducted a wrongful foreclosure without a security bond that would give treble damages remedy to Wells Fargo’s default.

 City of Ozark used law enforcement presence including rooftop snipers with high-powered rifles to ensure that it, the City of Ozark, would be the only bidder, thus evading the exercise of the power of eminent domain that provides for just compensation decided by a judicial tribunal. Legal Title conveyance results only from the exercise of the power of eminent domain.

 Wells Fargo steadfastly refused total prepayment even after deposit of enough legal tender was made in the main Birmingham Bank’s vault. Without an instrument to satisfy, no funds can be exchanged that would clear the title so that a legal sale can be accomplished. Wells Fargo filed a false instrument into the Dale County Probate Office records with impunity. Wells Fargo produced no proof of claim. Instead, Wells Fargo's attorney statements were accepted as truthful competent evidence.

Wells Fargo’s refusal to answer questions and to yield a Mortgage Bankers Bond invoked Alabama Code Title 7 Commercial Code § 7-2-609 that states: After receipt of a justified demand, failure to provide within a reasonable time not exceeding 30 days such assurance of due performance as is adequate under the circumstances of the particular case is a repudiation of the contract.

The simulated non-judicial foreclosure auction was declared null and void before the fraud was conducted.

Ala. Code Section 35-10-9 Sales contrary to article null and void.

All sales of real estate, made under powers contained in mortgages or deeds of trust contrary to the provisions of this article, shall be null and void, notwithstanding any agreement or stipulation to the contrary.

EXCERPTS FROM THE LAW ARE SHOWN BELOW.

No one has been able to rebut the dictates of the law that defines the theft of the Holman House property. Again, was the Holman House in Ozark, Alabama stolen? You decide!

From the Code of Alabama 1975

Section 41-9-240

(4) To acquire, by exercise of the power of eminent domain, historic structures of paramount or exceptional importance, such as those Alabama landmarks eligible for nomination to or recorded in the National Register of Historic Places; provided, that at least two-thirds of the members of the commission shall vote to acquire such structures by the exercise of this measure;

 

5th amendment to the Constitution of United States of America 1789 (rev. 1992)

No person shall be held to answer for a capital, or otherwise infamous crime, unless on a presentment or indictment of a Grand Jury, except in cases arising in the land or naval forces, or in the Militia, when in actual service in time of War or public danger; nor shall any person be subject for the same offence to be twice put in jeopardy of life or limb; nor shall be compelled in any criminal case to be a witness against himself, nor be deprived of life, liberty, or property, without due process of law; nor shall private property be taken for public use, without just compensation.

 Eminent domain in the United States

Eminent domain in the United States refers to the power of a state or the federal government to take private property for public use while requiring "just" compensation to be given to the original owner. It can be legislatively delegated by the state to municipalities, government subdivisions, or even to private persons or corporations, when they are authorized to exercise the functions of public character.

Ala. Code Section 35-10-9 Sales contrary to article null and void.

All sales of real estate, made under powers contained in mortgages or deeds of trust contrary to the provisions of this article, shall be

null and void,

notwithstanding any agreement or stipulation to the contrary.

Alabama Code Title 35. Property § 35-10-1

Where a power to sell lands is given to the grantee in any mortgage, or other conveyance intended to secure the payment of money, the power is part of the security, and may be executed by any person, or the personal representative of any person who, by assignment or otherwise, becomes entitled to the money thus secured;and a conveyance of the lands sold under such power of sale to the purchaser at the sale, executed by the mortgagee, any assignee or other person entitled to the money thus secured, his agent or attorney, or the auctioneer making the sale, vests the legal title thereto in such purchaser.  Probate judges shall index foreclosure deeds by the names of the original grantor and grantee in the mortgage, and also by the names of the grantor and grantee in the foreclosure deeds.

Alabama Property Rights and Remedies

§ 10.10(c) “there is no statutory time which an action to quiet title must be brought.”

American Jurisprudence 2d

§ 618. Liability for wrongful repossession

   Repossession of property is wrongful when there is no default of the debtor.

Furthermore, it has been said that where the creditor improperly refuses to accept payment of the debt, the creditor is estopped from repossessing the collateral on the basis that the debtor is in default, a conversion action is especially appropriate where wrongful repossession is at issue. (See Chesterton State Bank v Coffey (Ind App) 454 NE2d 1233.)

American Jurisprudence 2d

§ 611 Due process application

However, even when self-help repossession is valid under applicable due process standards, when state law enforcement personnel are present in the course of what began as a self- help repossession, the proceedings become state action and the debtor must be given notice and opportunity to be heard or there is a deprivation of constitutional rights. Waisner v Jones, NM 260, 755 P2d 598, 6 UCCRS2d 1374.

American Jurisprudence 2d 1966:

(Volume 25, Ejectment § 19 Strength of own title)

"A well-established principle which has acquired the force of a maxim is to the effect that a plaintiff in ejectment can recover only on the strength of his own title, and not on the weakness of his adversary's. The defendant is not required to show title in himself, and he may lawfully say to the plaintiff, "Until you show title, you have no right to disturb me."

 Federal Rules of Evidence

Rule 1002. Requirement of the Original

An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise.

GAMBLE’S ALABAMA RULES OF EVIDENCE

2d Rule 1002 Best Evidence

 

     The best evidence rule is a legal principle that holds an original copy of a document as superior evidence. The rule specifies that secondary evidence, such as a copy or facsimile, will be not admissible if an original document exists and can be obtained. The rule has its roots in 18th-century British law.

 Alabama Rules of Evidence

Article X. Contents of Writings

Rule 1003.

Admissibility of duplicates.

A duplicate is admissible to the same extent as an original unless (1) a genuine question is raised as to the authenticity of the original or (2) in the circumstances it would be unfair to admit the duplicate in lieu of the original.

 

This special treatment afforded duplicates is inapplicable if a genuine question is raised as to the authenticity of the original. See Myrick v. United States, 332 F.2d 279 (5th Cir.1963), cert. denied, 377 U.S. 952 (1964) (no error in admitting photostatic copies of checks instead of original microfilm in absence of suggestion to trial judge that photostatic copies were incorrect).

Additionally, the duplicate is not admissible under Rule 1003 without the offeror’s producing or accounting for the nonproduction of the original, if the circumstances would make it unfair to admit the duplicate in lieu of the original. Such circumstances would be presented when only a portion of the original is reproduced and fairness dictates that the remainder be made available to the opposing party for cross-examination. See United States v. Alexander, 326 F.2d 736 (4th Cir.1964); Fed.R.Evid. 1003 advisory committee’s note.

 

We cannot rely on the representations of counsel alone. Wright v. Emory, 41 So.3d 290, 292 (Fla. 4th DCA 2010) ("[An] attorney's unsworn, unverified statements do not establish competent evidence.").

FEDERAL RULES OF CIVIL PROCEDURE

(Rule   1002. Requirement of the Original.)

An original writing, recording, or photograph is required in order to prove its content.

 

MAXIMS OF LAW FROM BOUVIER’S DICTIONARY

It is against equity to deprive freemen of the free disposal of their own property.

     A Claim must be proven if a debtor demands proof.

     What does not appear and what is not is the same; it is not the defect of the law, but the want of proof.

       A deed or a bond found with the debtor is presumed to be paid.

       It is fraud to conceal a fraud.

       Law arises out of fact; that is, its application must be facts.

 

(See Dale County Probate Records MISC Book 282, Pages 288-302 for UNREBUTTED EXHIBITS for further proof.)

Sen. Doug Jones may be an unbonded public official without legal election certification.

 

"It is not the function of our Government to keep the citizen from falling into error, it is the function of the citizen to keep the Government from falling into error."  American Communications Association v. Douds, 339 U.S. 332, 442 (1950).

   Chief Justice Howell Heflin and his clerk, now Senator Doug Jones, made it "lawful to evade" Alabama State Law and the Uniform Bonding Code (UBC), which requires all public servants to file with the Secretary of State a “faithful performance bond”. No one can hold public office unless he has on file an oath of office, a payment and a performance bond and his commission, which is either by election or appointment.

     Persons without proper Oaths do not and cannot have proper Bonds  OR satisfy the necessary requirements to “hold” a bona fide “Office”, by ‘commission’, “election”, or “appointment”.

     In short, an ‘Officer’ or “Office Holder” cannot but ‘occupy’ the office under false and misleading pretense, misrepresentation, and FRAUD, which strips the ‘individual’ of ‘law authority’ and ‘immunity’ under well-seasoned law of the land and sea.

     Brutum fulmen!!   Bonds that are attached to such juristic ‘persons’ are subject to claim and lien, afteradequate assurance of due performancehas been found lacking pursuant to U.C.C. 2-619.

     A proper Oath and Bond are but two of the three primary “poles” of “Office” [Oath, Bond, Commission].  One cannot act upon being ‘duly appointed’ or ‘duly elected’ or ‘duly commissioned’ simply by incorporation and corporate administrative process.

     A government official, officer or clerk who is not bonded or who loses his bond, shall be held financially responsible for his own actions. He shall have, as the only support for his own authority, the pledge of his own personal property, real and movable, to satisfy the damages which he causes to citizens by the exercise of that authority.

How can one call another a "criminal" when he himself does not respect the RULE OF LAW?

KANSAN SUPREME COURT RULED UNENFORCEABLE MORTGAGES

 

Humpty Dumpty sat on a wall, Humpty Dumpty had a great fall; Threescore men and threescore more, couldn’t place Humpty Dumpty as he was before.

      Kansas Supreme Court ruling in Landmark National Bank v. Kesler, 2009 LEXIS 834, the court held that a nominee company called MERS has no right or standing to bring an action for foreclosure. Nobody has standing to foreclose. There are two sides to any contract. When both sides default, the contract is unenforceable.

     The bank defaulted when it abandoned its trust responsibilities by settling the promissory note through changing the debt to a stock without disclosure to the debtor. The debt so treated cannot be enforced unless the debtor is conned into allowing the “color of law” to proceed.

Quotes from the case:

     The real parties in interest concealed behind MERS have been made so faceless, however, that there is now no party with standing to foreclose. The Kansas Supreme Court stated that MERS’ relationship “is more akin to that of a straw man than to a party possessing all the rights given a buyer.” The court opined:

     “By statute, assignment of the mortgage carries with it the assignment of the debt. . . . Indeed, in the event that a mortgage loan somehow separates interests of the note and the deed of trust, with the deed of trust lying with some independent entity, the mortgage may become unenforceable. The practical effect of splitting the deed of trust from the promissory note is to make it impossible for the holder of the note to foreclose, unless the holder of the deed of trust is the agent of the holder of the note. Without the agency relationship, the person holding only the note lacks the power to foreclose in the event of default. The person holding only the deed of trust will never experience default because only the holder of the note is entitled to payment of the underlying obligation. The mortgage loan becomes ineffectual when the note holder did not also hold the deed of trust.” [Citations omitted; emphasis added.]

     “The sole goal of the [bailout schemes] is to prevent owners of mortgage-backed securities, many of them foreigners, from suing U.S. banks and forcing them to buy back worthless mortgage securities at face value – right now almost 10 times their market worth. The ticking time bomb in the U.S. banking system is not resetting subprime mortgage rates. The real problem is the contractual ability of investors in mortgage bonds to require banks to buy back the loans at face value if there was fraud in the origination process.

     “. . . The catastrophic consequences of bond investors forcing originators to buy back loans at face value are beyond the current media discussion. The loans at issue dwarf the capital available at the largest U.S. banks combined, and investor lawsuits would raise stunning liability sufficient to cause even the largest U.S. banks to fail, resulting in massive taxpayer-funded bailouts of Fannie and Freddie, and even FDIC . . . .

     “What would be prudent and logical is for the banks that sold this toxic waste to buy it back and for a lot of people to go to prison. If they knew about the fraud, they should have to buy the bonds back.”

   Humpty Dumpty cannot not be made whole, again. A Bail-Out is the application of make-up on the face of a corpse. Two million foreclosures this year will expose the blood dropping from the hands of the three branches of government. It must be set right. “Be sure your sins will find you out.”

PRESIDENT TRUMP SCOTUS RULED ABOUT HIS PRIVATE LIFE

 

One’s private life is his alone, even President Trump. The public cannot interfere.

Hale v. Henkel, 201 U.S. 43(1906)

Hale v. Henkel was decided by the united States Supreme Court in 1906. The opinion of the court states, in part:

     Page 201 U. S. 44 "There is a clear distinction between an individual and a corporation, and the latter, being a creature of the State, has not the constitutional right to refuse to submit its books and papers for an examination at the suit of the State;"

     Page 201 U. S. 74 "The individual may stand upon his constitutional rights as a citizen. He is entitled to carry on his private business in his own way. His power to contract is unlimited. He owes no duty to the State or to his neighbors to divulge his business, or to open his doors to an investigation, so far as it may tend to criminate him. He owes no such duty to the State, since he receives nothing therefrom beyond the protection of his life and property. His rights are such as existed by the law of the land long antecedent to the organization of the State, and can only be taken from him by due process of law, and in accordance with the Constitution. Among his rights are a refusal to incriminate himself and the immunity of himself and his property from arrest or seizure except under a warrant of the law. He owes nothing to the public so long as he does not trespass upon their rights."

     Hale v. Henkel is binding on all the courts of the United States of America until another Supreme Court case says it is not. No other Supreme Court case has ever overturned Hale v. Henkel.

     None of the various issues of Hale v. Henkel have ever been overruled.

Since 1906, Hale v. Henkel has been cited by the Federal and State Appellate Court systems over 1,600 times! In nearly every instance when a case is cited, it has an impact on precedent authority of the cited case.

     Compared with other previously decided Supreme Court cases, no other case has surpassed Hale v. Henkel in the number of times it has been cited by the courts.

     "Stare Decisis" is the term to use in an Affidavit as a "Belligerent Claimant at Law" to rebut an alleged frivolous assertion. You may also use Article 4, Section 1,"judicial proceedings" & Section 2 to bolster instructions to the court, pursuant to the Mandatory Judicial Notice of the Federal Rules of Evidence 201-d. The court cannot overlook the 1600 citations wherein Hale v. Henkel has been used to assert the adherence to established precedents and not to disturb or unsettle the same. This is supported by one of the bedrock principles of our legal system is “stare decisis et non quieta movere” which, according to Black’s Law Dictionary, means “[t]o adhere to precedent and not to unsettle things which are established”. Found in Black’s Law Dictionary, Fifth Edition (1979), page 1261, citing Ballard County v. Kentucky County Debt Commission, 290 Ky. 770. (1942), 162 S.W.2d 771, 773. et al.