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  • Report: #1142224

Complaint Review: Legal Forensic Auditors

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  • Submitted: Mon, April 28, 2014
  • Updated: Mon, April 28, 2014

  • Reported By: Agent Steelman — las vegas Nevada
Legal Forensic Auditors
3850 Cobbler mtn rd Delaplane, Virginia USA

Legal Forensic Auditors Forensic Mortgage Auditors or Banker Lenders in Disguise Delaplane Virginia

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NOTICE TO ALL READERS: PRACTICE BUYER BEWARE I am posting my observations concerning a mortgage audit my friend purchased from Legal Forensic Auditors, and he asked me to review and give my observations upon. These are the observations that I sent to my friend. I also include the email I just sent to this "company". Please read and make your own determinations, and please do not shoot the messenger. These are the facts, and are indisputable, and the facts given are based upon competent actual material evidence that I have first hand knowledge. Harold, Please see the attached text file. I took the time to completely review the Forensic Audit of the El Tesoro Loan Report by LFA, I find that report to not be worth the paper it is written on. You need to call them and demand a refund, or better yet we should write them a Demand Letter, and notice of Law suit pending against them for the loss of the El Tesoro House. Harold, YOUR EL TESORO loan is NOT in that trust at all.

These are the FACTS: 1) The cover sheet of that report says report of a “loan” for the amount of $260,500.00. This is absolutely wrong. You signed a 1st deed of trust for 195, 375.00 in January of 2006. The 1st mortgage is what all banks use to foreclose, as the 2nd is known as a Subordinate or junior loan. Harold you may have bought the home for $260,500.00, but you did NOT get a loan for that amount. The Banks can’t foreclose for an amount other than the amount stated on the 1st mortgage ie: $195, 375.00 as stated on the NDSC report as amount due plus 5,000.00 for interest. Total amount claimed for foreclosure $200,000.00

+ 2) Your loan was originated by Meridias Capital. Meridias Capital is NOT affiliated with the claimed trust of the audit report, nor did Meridias have any agreement with that trust whatsoever. That trust list all the loan originators, even a particular originator that only supplied one loan, and that loan was not yours.

3) That Trust has over 17,000 loans specified in it, and out of that many only 5 have a zip code matching El Tesoro, and NONE of those 5 matches your loan! (See attached txt file)

4) Argent Mortgage is mentioned over and over again in that audit. Your loan was NOT originated by Argent Mortgage. The owner of Meridias Capital German Florez, did not sell loans to Argent Mortgage.

5) Meridias Capital was a Nevada Corporation, with a subsidiary banking arm in Utah, in which was the LENDING arm, complete with their own staff of underwriters, and complete lending ability. Please note that your loan docs show the subsidiary in Utah. The Nevada office performed the “Originations”, the Utah branch the actual “Funding”

6) Argent Mortgage is a prime originator of the stated trust in which that audit proclaimed your loan was found in. William Switzer had current 1st and 2nd loans on the El Tesoro house when you bought it from him initially with future funding by you to pay him off. The loans that William Switzer had were with Argent Mortgage.

7) I believe also that there were still other loans on that property at the same time. It would appear that William Switzer, apparently obtained that house by a previous “hand shake” type deal, in which that previous owner also had a 1st mortgage.

8) If you look at the filings record for that property, you will see a transfer of the deed of trust occurring in April of 2006 in which Argent Mortgage assigns that Switzer DOT to Specialized Loan Servicing in late April 2006, almost 3 months after you supposedly bought the house and had closing on January 30th 2006.

9) You will also see another recording in which MERS assigns trustee to another entity in relation to another person named Jean Dion.

10) Meridias Capital assigns Well Fargo Bank NA. as trustee in May 18th 2009. What happened to Argent? Also if Meridias is not a party to that trust in question that the audit proclaims your loan is in, how did Meridias assign to Wells?

11) The largest problem here is that MERIDIAS CAPITAL, the BANK, ceased to exist in late 2007, after filing BK in early to mid 2006.

12) I would suggest that the “Expert” auditor could not find proper endorsements because YOUR LOAN WAS NOT IN THAT TRUST.

13) That entire audit is trash not worth the paper it is written on, and matter of fact caused you to lose your house, because every person who “Believed” it was right, and just “went with it” without performing due diligence to recheck these experts work, are also responsible for you losing your house, and are absolutely answerable to you for bad faith, and misconduct. You depended on everyone to be what they proclaimed, but the sad reality is…the term “Blind leading the blind” is correct…

14) As stated to you previously, I absolutely agree with the Nevada Attorney General when she said “These reports are scams”, well certainly she is correct, at least about THIS report.

15) The entire audit was based upon an “Illusion” that your loan was actually in that trust, without performing the good faith due diligence to ACTUALLY FIND your loan in that trust.

16) It is a FACT that your lawyers, and advisers used that audit as evidence in the court cases that lost your home, and it is a FACT that the foreclosing parties actually USED that audit as evidence to obtain summary judgment against you.

17) It is interesting to note that during the discovery stage of the proceedings in which lawyers for both sides are required to exchange evidence that yes, your lawyer had to supply the evidence that you gave him, namely, the audit.

18) Remember, the well known saying “anything you say, can and will be used against you” YES this applies in CIVIL cases.

19) You, being the Plaintiff supplied evidence supporting your defendant by stating your loan was in the trust in which Wells Fargo, as Trustee has the right to exercise the power of sale. WHEN IN FACT your loan was never IN THAT TRUST to begin with.

20) In your filings in response to motion for summary judgment, You again use this very same audit report.

21) You argued the very facts that the defendant needed to foreclose..

22) Incompetence ALL around.

23) The biggest questions I have now are: A) WHERE DID THIS EXPERT GET THE IDEA YOUR LOAN WAS IN THAT TRUST? B) WHY IN THE HELL DIDN’T THEY VERIFY IT ACTUALLY WAS IN THAT TRUST? C) WHY DIDN’T ANYONE ELSE TAKE THE TIME TO VERIFY THAT SO CALLED EXPERT “FORENSIC” AUDIT? I am finding it difficult saying “Forensic Audit” in relation to THAT report.

In Conclusion: Those Audits are garbage, and anyone who relies on those to save their home is a fool, and all know the old saying “A fool and his money are soon departed”. I apologize for sounding so stern, but really you know me by now. I don’t stand for incompetence, not that I am the most competent person in this world……but at least I know everything must be verified…twice.. Harold The record shows clearly that Meridias Capital apparently sold the note to DIJ Capital out of California. DIJ Capital is a subsidiary of the “800 Hope Street Trust”. The owner of the then Meridias Capital, Mr. German Florez, is, or was a director of DIJ Capital. DIJ Capital, also went out of business long before the El Tesoro property began having issues. The Final Question: WHO ACTUALLY OWNS YOUR LOAN?......It looks like no one does any more, but certainly NOT the people who claimed they did, and eventually stole your home. I can't help but find it very interesting that everyone who swore by that report did not notice many flaws in it.

A) The proclaimed loan amount of $260,500.00 as shown on the cover page

B) The fact that the 1st mortgage was actually $195,000(+)

C) I found 4 different loan numbers on different documents supposedly for the same loan.

D) No one mentions the odd later filings of Agent Mortgage assigning the DOT to Specialized Loan Servicing.

E) No one checks up on the MERS assignment of loan to Jean Dion.

F) No one checks up on the Meridias to DIJ assignment.

G) No one checked to verify that your loan was ACTUALLY IN THAT TRUST.

H) No one picks up on the fact that Ms. Jolly was the escrow officer, and ALSO notarized your loan documents which is absolutely AGAINST THE LAW. It would appear everyone was more concerned about cut off dates, split notes, and chain of endorsements rather than finding the defects and truth that could have saved your house. I give my permission to distribute these observations to any party that you think may benefit from them. I also highly suggest that you think about bringing a law suit against Legal Forensic Auditors. END OF EMAIL TO MY FRIEND. EMAIL TO LEGAL FORENSIC AUDITORS To whom it may concern, I recently have been contacted by a Mr. Harold Corxxxx, one of your clients. Harold provided me with a copy of the forensic audit he had paid your company to perform for him concerning his "LOST" property located at 47xx El Tesoro, Las Vegas Nevada APN 161-20-510-xxx. After review of your report, I found it to be entertaining, full of mystery and intrigue, but completely fiction. Matter of fact...completely garbage. I am in shock that Harold relied upon this bad faith report, which also by the way, the use of, lead to him losing his home. Shame on you. I am including my observations in this email to you, that I just emailed to Harold. I would hope that you would reply and inform him by answering the many questions, especially the question concerning why in the world you proclaimed his mortgage was in the trust that you proclaimed it was pooled in. "Harold, Please see the attached text file. I took the time to completely review the Forensic Audit of the El Tesoro Loan Report by LFA, I find that report to not be worth the paper it is written on. You need to call them and demand a refund, or better yet we should write them a Demand Letter, and notice of Law suit pending against them for the loss of the El Tesoro House. Harold, YOUR EL TESORO loan is NOT in that trust at all.

These are the FACTS: 1) The cover sheet of that report says report of a “loan” for the amount of $260,500.00. This is absolutely wrong. You signed a 1st deed of trust for 195, 375.00 in January of 2006. The 1st mortgage is what all banks use to foreclose, as the 2nd is known as a Subordinate or junior loan. Harold you may have bought the home for $260,500.00, but you did NOT get a loan for that amount. The Banks can’t foreclose for an amount other than the amount stated on the 1st mortgage ie: $195, 375.00 plus outstanding cost, and as stated on the NDSC report as amount due plus 5,000.00 for interest. Total amount claimed for foreclosure $200,000.00 + change, NOT $260,500.00!!

2) Your loan was originated by Meridias Capital. Meridias Capital is NOT affiliated with the claimed trust of the audit report, nor did Meridias have any agreement with that trust whatsoever. That trust list all the loan originators, even a particular originator that only supplied one loan, and that loan was not yours.

3) That Trust has over 17,000 loans specified in it, and out of that many only 5 have a zip code matching El Tesoro, and NONE of those 5 matches your loan! (See attached txt file)

4) Argent Mortgage is mentioned over and over again in that audit. Your loan was NOT originated by Argent Mortgage. The owner of Meridias Capital German Florez, did not sell loans to Argent Mortgage.

5) Meridias Capital was a Nevada Corporation, with a subsidiary banking arm in Utah, in which was the LENDING arm, complete with their own staff of underwriters, and complete lending ability. Please note that your loan docs show the subsidiary in Utah. The Nevada office performed the “Origination's”, the Utah branch the actual “Funding”

6) Argent Mortgage is a prime originator of the stated trust in which that forensic audit proclaimed your loan was found in. William Switzer had current 1st and 2nd loans on the El Tesoro house when you bought it from him initially with future funding by you to pay him off. The loans that William Switzer had were with Argent Mortgage.

7) I believe also that there were still other loans on that property at the same time. It would appear that William Switzer, apparently obtained that house by a previous “hand shake” type deal, in which that previous owner also had a 1st mortgage.

8) If you look at the filings record for that property, you will see a transfer of the deed of trust occurring in April of 2006 in which Argent Mortgage assigns that Switzer DOT to Specialized Loan Servicing in late April 2006, almost 3 months after you supposedly bought the house and had closing on January 30th 2006.

9) You will also see another recording in which MERS assigns trustee to another entity in relation to another person named Jean Dion.

10) Meridias Capital assigns Well Fargo Bank NA. as trustee in May 18th 2009. What happened to Argent? Also if Meridias is not a party to that trust in question that the audit proclaims your loan is in, how did Meridias assign to Wells?

11) The largest problem here is that MERIDIAS CAPITAL, the BANK, ceased to exist in late 2007, after filing BK in early to mid 2006.

12) I would suggest that the “Expert” auditor could not find proper endorsements because YOUR LOAN WAS NOT IN THAT TRUST.

13) That entire audit is trash not worth the paper it is written on, and matter of fact caused you to lose your house, because every person who “Believed” it was right, and just “went with it” without performing due diligence to recheck these experts work, are also responsible for you losing your house, and are absolutely answerable to you for bad faith, and misconduct. You depended on everyone to be what they proclaimed, but the sad reality is…the term “Blind leading the blind” is correct…

14) As stated to you previously, I absolutely agree with the Nevada Attorney General when she said “These reports are scams”, well apparently she is correct, at least about THIS report.

15) The entire audit was based upon an “Illusion” that your loan was actually in that trust, without performing the good faith due diligence to ACTUALLY FIND your loan in that trust.

16) It is a FACT that your lawyers, and advisers used that audit as evidence in the court cases that lost your home, and it is a FACT that the foreclosing parties actually USED that audit as evidence to obtain summary judgment against you.

17) It is interesting to note that during the discovery stage of the proceedings in which lawyers for both sides are required to exchange evidence that yes, your lawyer had to supply the evidence that you gave him, namely, the audit.

18) Remember, the well known saying “anything you say, can and will be used against you” YES this applies in CIVIL cases.

19) You, being the Plaintiff supplied evidence supporting your defendant by stating your loan was in the trust in which Wells Fargo, as Trustee has the right to exercise the power of sale. WHEN IN FACT your loan was never IN THAT TRUST to begin with.

20) In your filings in response to motion for summary judgment, You again use this very same audit report.

21) You argued the very facts that the defendant needed to foreclose..

22) Incompetence ALL around.

23) The biggest questions I have now are: A) WHERE DID THIS EXPERT GET THE IDEA YOUR LOAN WAS IN THAT TRUST? B) WHY IN THE HELL DIDN’T THEY VERIFY IT ACTUALLY WAS IN THAT TRUST? C) WHY DIDN’T ANYONE ELSE TAKE THE TIME TO VERIFY THAT SO CALLED EXPERT “FORENSIC” AUDIT? I am finding it difficult saying “Forensic audit” in relation to THAT report.

In Conclusion: Those Audits are garbage, and anyone who relies on those to save their home is a fool, and all know the old saying “A fool and his money are soon departed”. I apologize for sounding so stern, but really you know me by now. I don’t stand for incompetence, not that I am the most competent person in this world……but at least I know everything must be verified…twice.. Harold The record shows clearly that Meridias Capital apparently sold the note to DIJ Capital out of California. DIJ Capital is a subsidiary of the “800 Hope Street Trust”. The owner of the then Meridias Capital, Mr. German Florez, is, or was a director of DIJ Capital. DIJ Capital, also went out of business long before the El Tesoro property began having issues. The Final Question: WHO ACTUALLY OWNS YOUR LOAN?......It looks like no one does any more, but certainly NOT the people who claimed they did, and eventually stole your home. I can't help but find it very interesting that everyone who swore by that report did not notice many flaws in it. A) The proclaimed loan amount of $260,500.00 as shown on the cover page B) The fact that the 1st mortgage was actually $195,000(+) C) I found 4 different loan numbers on different documents supposedly for the same loan. D) No one mentions the odd later filings of Agent Mortgage assigning the DOT to Specialized Loan Servicing. E) No one checks up on the MERS assignment of loan to Jean Dion. F) No one checks up on the Meridias to Wells Fargo assignment. G) No one checked to verify that your loan was ACTUALLY IN THAT TRUST. H) No one picks up on the fact that Ms. Jolly was the escrow officer, and ALSO notarized your loan documents which is absolutely AGAINST THE LAW. It would appear everyone was more concerned about cut off dates, split notes, and chain of endorsements rather than finding the defects and truth that could have saved your house. I give my permission to distribute these observations to any party that you think may benefit from them. I also highly suggest that you think about bringing a law suit against Legal Forensic Auditors."  


This report was posted on Ripoff Report on 04/28/2014 01:45 AM and is a permanent record located here: http://www.ripoffreport.com/r/Legal-Forensic-Auditors/Delaplane-Virginia-21044/Legal-Forensic-Auditors-Forensic-Mortgage-Auditors-or-Banker-Lenders-in-Disguise-Delaplan-1142224. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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