98 Cases You Should Know…For Your Pleadings

FORECLOSURE ACTIONS AND CASES LAWFULLY DISMISSED (NOT LETTING BANK FORECLOSE WITHOUT LAWFUL VALIDATION AND PRODUCTION) BY THE COURTS DUE TO BANK’S FAILURE TO VALIDATE & PRODUCE AS STIPULATED BY LAW AND COMMITTED “BANK FRAUD” AGAINST THE BORROWER FROM THE BAR ASSOCIATION’S OFFICIAL WEB SITE :… ”this Court has the responsibility to assure itself that the foreclosure plaintiffs have standing and that subject matter jurisdiction requirements are met at the time the complaint is filed. Even without the concerns raised by the documents the plaintiffs have filed, there is reason to question the existence of standing and the jurisdictional amount”.

1. “A national bank has no power to lend its credit to any person or corporation . . . Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

2. Countrywide Home Loans, Inc. v Taylor – Mayer, J., Supreme Court, Suffolk County / 9/07

3. American Brokers Conduit v. ZAMALLOA – Judge SCHACK 28Jan2008 Aurora Loan Services v. MACPHERSON – Judge FARNETI 1 1Mar2008

4. “A bank may not lend its credit to another even though such a transaction turns out to have been of benefit to the bank, and in support of this a list of cases might be cited, which-would look like a catalog of ships.” [Emphasis added] Norton Grocery Co. v. Peoples Nat. Bank, 144 SE 505. 151 Va 195.

5. “In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him.”’ Farmers and Miners Bank v. Bluefield Nat ‘l Bank, 11 F 2d 83, 271 U.S. 669.

6. Bank of New York v. SINGH – Judge KURTZ 14Dec2007

7. Bank of New York v. TORRES – Judge COSTELLO 11Mar2008

8. Bank of New York v. OROSCO – Judge SCHACK 19Nov2007 Citi Mortgage Inc. v. BROWN – Judge FARNETI 13Mar2008

9. “The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often…. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. “It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, cannot lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires . . .” Howard & Foster Co. v. Citizens Nat’l Bank of Union, 133 SC 202, 130 SE 759(1926).

10. “. . . checks, drafts, money orders, and bank notes are not lawful money of the United States …” State v. Neilon, 73 Pac 324, 43 Ore 168.

11. American Brokers Conduit v. ZAMALLOA – Judge SCHACK 11 Sep2007 Countrywide Mortgage v. BERLIUK – Judge COSTELLO 1 3Mar2008

12. Deutsche Bank v. Barnes-Judgment Entry

13. Deutsche Bank v. Barnes-Withdrawal of Objections and Motion to Dismiss Deutsche Bank v. ALEMANY Judge COSTELLO 07Jan2008 Deutsche Bank v. Benjamin CRUZ – Judge KURTZ 21May2008 Deutsche Bank v. Yobanna CRUZ – Judge KURTZ 21May2008 Deutsche Bank v. CABAROY – Judge COSTELLO 02Apr2008 Deutsche Bank v. CASTELLANOS / 2007NYSlipOp50978U/- Judge SCHACK 11May2007

14. Deutsche Bank v. CASTELLANOS/ 2008NYSlipOp50033U/ – Judge SCHACK 14Jan 2008

15. HSBC v. Valentin – Judge SCHACK calls them liars and dismisses WITH prejudice **

16. Deutsche Bank v. CLOUDEN / 2007NYSlipOp5 1 767U/ Judge SCHACK 1 8Sep2007

17. Deutsche Bank v. EZAGUI – Judge SCHACK 21Dec2007 Deutsche Bank v. GRANT – Judge SCHACK 25Apr2008 Deutsche Bank v. HARRIS – Judge SCHACK 05Feb2008

18. Deutsche Bank v. LaCrosse, Cede, DTC Complaint

19. Deutsche Bank v. NICHOLLS – Judge KURTZ 21May2008 Deutsche Bank v. RYAN – Judge KURTZ 29Jan2008 Deutsche Bank v. SAMPSON – Judge KURTZ 16Jan2008

20. Deutsche v. Marche – Order to Show Cause to VACATE Judgment of Foreclosure – 11 June2009

21. GMAC Mortgage LLC v. MATTHEWS – Judge KURTZ 10Jan2008 GMAC Mortgage LLC v. SERAFINE – Judge COSTELLO 08Jan2008 HSBC Bank USA NA v. CIPRIANI Judge COSTELLO 08Jan2008 HSBC Bank USA NA v. JACK – Judge COSTELLO 02Apr2008 IndyMac Bank FSB v. RODNEY-ROSS – Judge KURTZ 15Jan2008 LaSalleBank NA v. CHARLEUS – Judge KURTZ 03Jan2008 LaSalleBank NA v. SMALLS – Judge KURTZ 03Jan2008 PHH Mortgage Corp v. BARBER – Judge KURTZ 15Jan2008 Property Asset Management v. HUAYTA 05Dec2007

22. Rivera, In Re Services LLC v. SATTAR / 2007NYSlipOp5 1 895U/ – Judge SCHACK 09Oct2007

23. USBank NA v. AUGUSTE – Judge KURTZ 27Nov2007 USBank NA v. GRANT – Judge KURTZ 14Dec2007 USBank NA v. ROUNDTREE – Judge BURKE 11Oct2007 USBank NA v. VILLARUEL – Judge KURTZ 01Feb2008

24. Wells Fargo Bank NA v. HAMPTON – Judge KURTZ 03 Jan2008

25. Wells Fargo, Litton Loan v. Farmer WITH PREJUDICE Judge Schack June2008

26. Wells Fargo v. Reyes WITH PREJUDICE, Fraud on Court & Sanctions Judge Schack June2008

27. Deutsche Bank v. Peabody Judge Nolan (Regulation Z) Indymac Bank,FSB v. Boyd – Schack J. January 2009

28. Indymac Bank, FSB v. Bethley – Schack, J. February 2009 ( The tale of many hats)

29. LaSalle Bank Natl. Assn. v Ahearn – Appellate Division, Third Department (Pro Se)

30. NEW JERSEY COURT DISMISSES FORECLOSURE FILED BY DEUTSCHE BANK FOR FAILURE TO PRODUCE THE NOTE

31. Whittiker v. Deutsche (MEMORANDUM IN OPPOSITION TO DEFENDANTS’ MOTIONS TO DISMISS) Whittiker (PLAINTIFFS’ OBJECTIONS TO REPORT AND RECOMMENDATION) Whittiker (DEFENDANT WELTMAN, WEINBERG & REIS CO., LPA’S RESPONSE TO PLAINTIFFS’ OBJECTIONS TO REPORT AND RECOMMENDATION) Whittiker (RESPONSE TO PLAINTIFFS’ OBJECTIONS TO MAGISTRATE JUDGE PEARSON’S REPORT AND RECOMMENDATION TO GRANT ITS MOTION TO DISMISS)

32. Novastar v. Snyder * (lack of standing) Snyder (motion to amend w/prejudice) Snyder (response to amend) 33. Washington Mutual v. City of Cleveland (WAMU’s motion to dismiss)

34. 2008-Ohio-1177; DLJ Mtge. Capital, Inc. v. Parsons (SJ Reversed for lack of standing)

35. Everhome v. Rowland 36. Deutsche – Class Action (RICO) Bank of New York v. TORRES – Judge COSTELLO 1 1Mar2008

37. Deutsche Bank Answer Whittiker

38. Manley Answer Whittiker

39. Justice Arthur M. Schack

40. Judge Holschuh- Show cause

41. Judge Holschuh- Dismissals

42. Judge Boyko’s Deutsche Bank Foreclosures

43. Rose Complaint for Foreclosure | Rose Dismissals 44. O’Malley Dismissals 45. City Of Cleveland v. Banks 46. Dowd Dismissal

47. EMC can’t find the note

48. Ocwen can’t find the note

49. US Bank can’t find the Note

50. US Bank – No Note

51. Key Bank – No Note

52. Wells Fargo – Defective pleading

53. Complaint in Jack v. MERS, Citi, Deutsche

54. GMAC v. Marsh

55. Massachusetts : Robin Hayes v. Deutsche Bank

56. Florida: Deutsche Bank’s Summary Judgment Denied

57. Texas: MERS v. Young / 2nd Circuit Court of Appeals – PANEL: LIVINGSTON, DAUPHINOT, and MCCOY, JJ.

58. Nevada: MERS crushed: In re Mitchell

59. “Neither, as included in its powers not incidental to them, is it a part of a bank’s business to lend its credit. If a bank could lend its credit as well as its money, it might, if it received compensation and was careful to put its name only to solid paper, make a great deal more than any lawful interest on its money would amount to. If not careful, the power would be the mother of panics, . . . Indeed, lending credit is the exact opposite of lending money, which is the real business of a bank, for while the latter creates a liability in favor of the bank, the former gives rise to a liability of the bank to another. I Morse. Banks and Banking 5th Ed. Sec 65; Magee, Banks and Banking, 3rd Ed. Sec 248.” American Express Co. v. Citizens State Bank, 194 NW 429.

60. “It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done.” Federal Intermediate Credit Bank v. L ‘Herrison, 33 F 2d 841, 842 (1929).

61. “There is no doubt but what the law is that a national bank cannot lend its credit or become an accommodation endorser.” National Bank of Commerce v. Atkinson, 55 E 471.

62. “A bank can lend its money, but not its credit.” First Nat’l Bank of Tallapoosa v. Monroe . 135 Ga 614, 69 SE 1124, 32 LRA (NS) 550.

63. “.. . the bank is allowed to hold money upon personal security; but it must be money that it loans, not its credit.” Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039.

64. “A loan may be defined as the delivery by one party to, and the receipt by another party of, a sum of money upon an agreement, express or implied, to repay the sum with or without interest.” Parsons v. Fox 179 Ga 605, 176 SE 644. Also see Kirkland v. Bailey, 155 SE 2d 701 and United States v. Neifert White Co., 247 Fed Supp 878, 879.

65. “The word ‘money’ in its usual and ordinary acceptation means gold, silver, or paper money used as a circulating medium of exchange . . .” Lane v. Railey 280 Ky 319, 133 SW 2d 75.

66. “A promise to pay cannot, by argument, however ingenious, be made the equivalent of actual payment …” Christensen v. Beebe, 91 P 133, 32 Utah 406.

67. “A bank is not the holder in due course upon merely crediting the depositors account.” Bankers Trust v. Nagler, 229 NYS 2d 142, 143.

68. “A check is merely an order on a bank to pay money.” Young v. Hembree, 73 P2d 393

69. “Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes ‘fraud,’ and entitles party deceived to avoid contract or recover damages.” Barnsdall Refining Corn. v. Birnam Wood Oil Co. 92 F 26 817.

70. “Any conduct capable of being turned into a statement of fact is representation. There is no distinction between misrepresentations effected by words and misrepresentations effected by other acts.” Leonard v. Springer 197 Ill 532. 64 NE 301.

71. “If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise.” Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572; 132 NW 1122.

72. “The contract is void if it is only in part connected with the illegal transaction and the promise single or entire.” Guardian Agency v. Guardian Mut. Savings Bank, 227 Wis 550, 279 NW 83.

73. “It is not necessary for recision of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations.” Whipp v. Iverson, 43 Wis 2d 166.

74. “Each Federal Reserve bank is a separate corporation owned by commercial banks in its region …” Lewis v. United States, 680 F 20 1239 (1982).

CREDIT LOANS AND VOID CONTRACTS: CASE LAW

75. “In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him.”’ Farmers and Miners Bank v. Bluefield Nat ‘l Bank, 11 F 2d 83, 271 U.S. 669.

76. “A national bank has no power to lend its credit to any person or corporation . . . Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

77. “The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often .. .” Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430.

78. “A bank may not lend its credit to another even though such a transaction turns out to have been of benefit to the bank, and in support of this a list of cases might be cited, which-would look like a catalog of ships.” [Emphasis added] Norton Grocery Co. v. Peoples Nat. Bank, 144 SE 505. 151 Va 195.

79. “It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, cannot lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires . . .” Howard & Foster Co. v. Citizens Nat’l Bank of Union, 133 SC 202, 130 SE 759(1926).

80. “. . . checks, drafts, money orders, and bank notes are not lawful money of the United States …” State v. Neilon, 73 Pac 324, 43 Ore 168.

81. “Neither, as included in its powers not incidental to them, is it a part of a bank’s business to lend its credit. If a bank could lend its credit as well as its money, it might, if it received compensation and was careful to put its name only to solid paper, make a great deal more than any lawful interest on its money would amount to. If not careful, the power would be the mother of panics . . . Indeed, lending credit is the exact opposite of lending money, which is the real business of a bank, for while the latter creates a liability in favor of the bank, the former gives rise to a liability of the bank to another. Morse. Banks and Banking 5th Ed. Sec 65; Magee, Banks and Banking, 3rd Ed. Sec 248.” American Express Co. v. Citizens State Bank, 194 NW 429.

82. “It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done.” Federal Intermediate Credit Bank v. L ‘Herrison, 33 F 2d 841, 842 (1929).

83. “There is no doubt but what the law is that a national bank cannot lend its credit or become an accommodation endorser.” National Bank of Commerce v. Atkinson, 55 E 471.

84. “A bank can lend its money, but not its credit.” First Nat’l Bank of Tallapoosa v. Monroe . 135 Ga 614, 69 SE 1124, 32 LRA (NS) 550.

85. “.. . the bank is allowed to hold money upon personal security; but it must be money that it loans, not its credit.” Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039.

86. “A loan may be defined as the delivery by one party to, and the receipt by another party of, a sum of money upon an agreement, express or implied, to repay the sum with or without interest.” Parsons v. Fox 179 Ga 605, 176 SE 644. Also see Kirkland v. Bailey, 155 SE 2d 701 and United States v. Neifert White Co., 247 Fed Supp 878, 879.

 87. “The word ‘money’ in its usual and ordinary acceptation means gold, silver, or paper money used as a circulating medium of exchange . . .” Lane v. Railey 280 Ky 319, 133 SW 2d 75.

88. “A promise to pay cannot, by argument, however ingenious, be made the equivalent of actual payment …” Christensen v. Beebe, 91 P 133, 32 Utah 406.

89. “A bank is not the holder in due course upon merely crediting the depositors account.” Bankers Trust v. Nagler, 229 NYS 2d 142, 143.

90. “A check is merely an order on a bank to pay money.” Young v. Hembree, 73 P2d 393.

91. “Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes ‘fraud,’ and entitles party deceived to avoid contract or recover damages.” Barnsdall Refining Corn. v. Birnam Wood Oil Co.. 92 F 26 817.

92. “Any conduct capable of being turned into a statement of fact is representation.

There is no distinction between misrepresentations effected by words and misrepresentations effected by other acts.” Leonard v. Springer 197 Ill 532. 64 NE 301.

93. “If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise.” Menominee River Co. v. Augustus Spies L & C Co., 147 Wis 559. 572; 132 NW 1122.

94. “The contract is void if it is only in part connected with the illegal transaction and the promise single or entire.” Guardian Agency v. Guardian Mut. Savings Bank, 227 Wis 550, 279 NW 83.

95. “It is not necessary for rescission of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations.” Whipp v. Iverson, 43 Wis 2d 166.

96. “Each Federal Reserve bank is a separate corporation owned by commercial banks in its region …” Lewis v. United States, 680 F 20 1239 (1982).

97. In a Debtor’s RICO action against its creditor, alleging that the creditor had collected an unlawful debt, an interest rate (where all loan charges were added together) that exceeded, in the language of the RICO Statute, “twice the enforceable rate.” The Court found no reason to impose a requirement that the Plaintiff show that the Defendant had been convicted of collecting an unlawful debt, running a “loan sharking” operation. The debt included the fact that exaction of a usurious interest rate rendered the debt unlawful and that is all that is necessary to support the Civil RICO action. Durante Bros. & Sons, Inc. v. Flushing Nat ‘l Bank. 755 F2d 239, Cert. denied, 473 US 906 (1985).

98. The Supreme Court found that the Plaintiff in a civil RICO action need establish only a criminal “violation” and not a criminal conviction. Further, the Court held that the Defendant need only have caused harm to the Plaintiff by the commission of a predicate offense in such a way as to constitute a “pattern of Racketeering activity.” That is, the Plaintiff need not demonstrate that the Defendant is an organized crime figure, a mobster in the popular sense, or that the Plaintiff has suffered some type of special Racketeering injury; all that the Plaintiff must show is what the Statute specifically requires. The RICO Statute and the civil remedies for its violation are to be liberally construed to effect the congressional purpose as broadly formulated in the Statute. Sedima, SPRL v. Imrex Co., 473 US 479 (1985).

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