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Normally we are able to pierce through to the loan level data. In some cases, it is not available using any of the search methods we employ. In order for us to do a review and report on the loan level data, tracing the money back and forth to determine the presumptive creditor, you will need to employ discovery procedures in court. If you get it, we will be able to do the analysis and report. If we are not able to perform the service, you will receive a full refund less $145 in costs.

We can only offer conjecture why the parties deviated from normal reporting procedures. It is possible that the loan was assigned to one pool and then treated as though it was another pool or pools. That happens sometimes. Of course since the title record shows nothing in the way of transfers and data is at best questionable from intermediaries like MERS that have databases crammed false data on a platform that is not secure, there is no other way for us to get it.

It is also possible that they intentionally or unintentionally changed the naming convention at the loan level which would go back to the idea that the loan was "assigned" (without documentation) to one pool, but the money was used for "another" pool. In this case, if the name was changed, the "other" pool might be the same pool. Although we do perform a sweep to try to catch the name of the pool that is reported in the securitization report, the result sometimes is "no hit." More often than not, we do get a "hit" because the "trust" is already in litigation somewhere. You might want to have your attorney check through Pacer and see if any case in litigation uses the same name of the "trust."

Keep in mind that the "trust" is probably not legally constituted so maneuvers like the ones we are speculating about easily occur. In the absence of an actual trust document naming a trustor, trustee and beneficiaries that is properly named and registered under applicable state law there is no way to trace whether the trusts were simply intermingled or used interchangeable at the will of the investment banking firm that originated the securitization process. If necessary I can give you an affidavit describing the above, if it will help you in court.

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One Payment Only, no extra costs. Turnaround from the time that we receive all necessary information is 4-5 business days.

Overview:
This is a litigation support product designed to assist homeowners and their attorneys. It is not a substitute for retaining an attorney licensed in the jurisdiction in which the property is located. The documents produced from this service are not affidavits nor are they expert declarations. Feedback from attorneys using this combined search, report and analysis indicates that in most cases an expert declaration is not needed. Select Detailed
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