Complaint Review: Washington Mutual Ban Assuming Bank JPMorgan Chase; 27 A Park Avenue NY NY 10017

Bank One N.A. moved-in March, 2001 {15 Year, 6.5 fixed, never seconded} Loan Transferred to Homeside Lending November, 2001 all posted payment's achieved timely conformation from April, 2001 to March, 2002, twelve month old timely paid loan was demanding twelve $102.99 Escrow Shortage monthly's from April, 2002 to March, 2003. Assistance Filing Proof of Claim against Washington Mutual's Bankruptcy is assumed needed before 3/31/2009 deadline.

November 19, 2004 Washington Mutual requested patience' promising loan history production' relating The Comptroller of the Currency and Better Business Bureau involvement relative to second' ignored R.E.S.P.A. Qualified Written Request telephonic-ally on December 15, 2004 loan management conversed, that Bankruptcy STAY' was released and loan history was transferred to Washington Mutual archive department in Chicago. Archive department instantly e-mailed unclenched' loan histories, ending loan manager's 48 month covert Principal Curtailment concealment, and erroneous Escrow reduction missing fund's concealment, the Better Business Bureau then removed Washington Mutual's chief arbitrator chair, expelling for three year's, speaking retrospect-fully' acquiring Credit Report in 2002' would-have averted Foreclosure Theft' nothing else! Case Number 02-xxxxx-H3-13 including Core Adversary Trial's Appealed award, from at Alvin, Texas 77511, now at Carnegie, Pa. 15106

December 2007' Washington Mutual returned $7,515.98 loan payment funds to Bankruptcy Trustee without Arbitration, Explanation or Accountability, as a precursor to July, 2008 Foreclosure', Mooting Judgment Ruling' by equating yet' another Fiduciary fault/guilt Theft admittance, self assessing, while grossly underestimating actual damage, ignoring commitment clauses Contractual damage, accrued damage's, Interest and accrued Interest.

Specifically' Deed commitment damage's clause, By the Rights granted' by Benjamin Franklin and The Founding Fathers, in their leading' Statute' of the very First Amendment {SCIENTER = meaning or Science of the Contract - Anti-trusting' exacting Lending Institution's' while including certain Contractor's stating Contractor must contractually abide the universal forwarded stipulations of contract offered, cemented with binding Mutual' Signature' requirement} Loan Originator and Loan Manager Both' protectively harbored $778.34 Principal Curtailment {evading' shouldered $10,286.25 Contractual Commitment's damage Clause'} Also' protectively harbored the unaccredited $637.22 Escrow reduction {later claimed' as November, 2001 erroneous Escrow reduction intended for December, 2001 payment} concealing Both' by protectively harboring loan History for Four Year's Principal Curtailment's self defining and $637.22 Escrow Reduction's definitively Escrow Curtailment intentionally coveted from loan statement's by pencil shading Void without digits, December, 2001 payment accountability Box', then stealthy omitting' from requested, received 2002 Escrow Summaries and Final' loan history the first 28 November, 2001 after' loan transfer Day's, Also' returning $336.00 Escrow to progress Escrow in shortage for preplanned future $175.26 Escrow reduction, claiming the $637.22 I.R.S 1098 without 2001 fund's received' Re-taxing, Credit Repository deception, forcing Bankruptcy, releasing Stay, and Foreclosure Theft.

Washington Mutual Executive Response Center formal December 16, 2005 report' admitted discovery Bank One 2001 credited, then suspended, then Curtailed $778.34 monthly payment, crediting loans overall Principal only then transferred loan to Homeside Lending that reduced Escrow $637.22 (claiming November 28, 2001) explaining' erroneous misapplication attempt at reversal of Principal Curtailment. Loan Management admitted Escrow reduction while denying it vanished unaccredited; singularly defending monthly's progression concoction.

Actualities; real-time statement starkly contradicts December 16, 2005 Final' loan history's recorded date, because Homeside Lending received loan November, 2001 and November 5, 2001 exacts $1,289.85 Escrow transferred, then Escrow reduced by $637.22 to $652.63, accrediting Principal $253.34, accrediting Interest $383.88, accrediting Escrow $175.26, recoiling back-to overall Escrow balance $175.26 action'. November 28, 2001 loan update highlighted Escrow's $652.63 balance only', the erroneous Escrow reduction then vanished before December, 2001, because December, 2001 Principal, Escrow and Interest received pencil shading without digit accreditation, mirrored on all loan updates, both' 2002 requested Escrow Summaries, including Final' loan history that intentionally covertly omitted first 28', November, 2001 Day's, add $336.00 Escrow returned, figure Curtailment and Curtailment's loan Re-terming' adjustment, equates the $1,148.48 April, 2002 to May, 2003 $102.99 Escrow Shortage, perfecting the irreconcilable pretzel logic that created the phantom-like December, 2001 unsubstantiated, unaccredited void that blocked outside refinance, with twelve $102.99 Escrow shortage's, reflecting Homeside Lending used Mindbox Data Repository' and Loan Manager used it's editing, point and click Soap Program', augmenting date's to protect stolen Escrow, with historic recreation faltering. Blocking outside refinance by erroneous Credit Repository reporting

Also' loan manager thwarted' Washington Mutual's letter promising loan history production, by releasing Bankruptcy Stay selfishly knowing loan history concealment protected Principal Curtailment and missing Escrow Reduction whose production would-have eliminated forced Bankruptcy', adverted Bankruptcy', forced Bankruptcy' reversal, Foreclosure was desired solution, release of Bankruptcy Stay action' was required, because Bankruptcy protected manager from case-load accountability review, additionally' Washington Mutual's inherent case-load accountability review, Fear' protectively circumvents Justice' by reimbursing' half of all Court appointed Attorney fee's' across Texas, Lobbying courtroom participant's, insuring prosecution protection!

Curtailment defined {liken-to lopping off Horse's tail Curtailment = covert' prepayment deception, Breach of commitment, of accountability, of relationship, emphasizing intentional Breach of Chartered License, here repeated to mask'} Curtailment abandoned December, 2001 and November 5, 2001 Escrow reduction intended Curtailment replacement, evaporated {liken to Escrow Curtailment defined = Anti-trusted} diligent loan history harboring became required' to protect Homeside Lending Data Repository' Mindbox problematic point & click power editor Soap extremely assessable Program's' limitless historic editing ability's finality from caseload review. Loan Manager testified' Homeside Lending used {INNUS} Credit Repository, pondering in-house. Prior to release of Bankruptcy Stay' all loan histories reported December, 2001 unaccredited, requested Escrow Summaries and November 16, 2004 Final' loan history report, covertly omitted' the first 28, November 2001 day's following loan transfer, compelling deception intent, in actuality both {Curtailment-theft's} relates double standard when prosecuting Violent armed bank robbery thief's', theft' and these isolated matter's expanded universally, damaging unreported multitude's.

Payment timeline;
March, 2001 Bank One N.A. 6.5 fixed 15 year NOTE contracted timely payments are no later than the Fifth' of the month, each payment received generates posting' account update statement, including single fixed detachable coupon' for next monthly payment up-to November, 2001; all agree timely

Bank One received December, 2001 $812.48 coupon' payment and properly accredited Principal $246.59, Interest $389.63 and Escrow $176.26, then all became suspended, then overall Principal Term commitment reduced $812.48 - $34.14 P.M.I. = $778.34 truncating from NOTE overall Principal financed Principal Curtailment transferring loan with December, 2001 unsupported

November, 2001 Homeside Lending received transferred loan with $1,289.85 in Escrow funds

November, 2001 proof of payment investigation team {loan payment entry Stay'} requested front and back photo-copied canceled check routing # proof that Bank One received December, 2001 payment, posted them U.S Mail

November 5, 2001 not November 28, 2001 Escrow reduced $637.22 to $652.63, real-time statement documents accrediting Principal $253.34, accrediting Interest $383.88, accrediting Escrow $175.26 recoiling back-to Escrow balance $175.26 action' {Escrow reduction addressed Principal and Interest replacement = $175.26 un-curtailed, awaiting Escrow shortage fund accumulations for repeating covert Escrow reduction} action'

November 29, 2001 statement' only highlight's Escrow's $652.63 balance, prior to $637.22 vaporizing

December, 2001 the $637.22 Escrow reduction has already vanished, amounting four year Curtailed

December 10, 2001 $1,168.26 County Tax payment, amounted Escrow to minus $515.63 shortage

December 15, 2001 received $336.00 Escrow Surplus, increasing Escrow arrears to minus $851.86

December, 2001 Escrow reduction's $637.22 claimed I.R.S. 1098 taxable in 2001, Re-taxing!

January, 2002 paid $813.49, February, 2002 paid $813.49, March, 2002 paid $813.49; all agree timely

January, 2002 requested, Escrow Summery report detail's, December, 2001 without digit entry or itemization, payment box only Pencil shaded blank {all other monthly's itemize Principal, itemize Interest, itemize Escrow} Also' all loan monthly payment update's exacted December, 2001 without Principal, Interest or Escrow accreditation Escrow summery accounted unrepaired accountability

April, 2002, payment with Escrow Shortage requirement $813.49 + $102.99 = $916.48; check did I.S.F.

April 15, 2002, Escrow Summery report again requested, received, still' December, 2001 has no digit entry or itemization, payment box Pencil shaded blank {all other monthly's itemize Principal, itemize Escrow, itemize Interest} Also' loan monthly payment updated balance's reflect December, 2001 lack's any/all Principal, Escrow or Interest accreditation, Escrow accountability remains unrepaired, lender demanded remaining Ten' x $102.99 = $1,029.90 Escrow shortage arrears paid in full prior to additional Escrow Summery loan history reports communicated, payments suspended after May, 2002

May, 2002 $2,000.00 payment, Loan Manager Testified all payments, charges and fee's updated current, prior to July, 2002, only' the Ten' demanded $102.99 Escrow shortages remained unaccounted.

July, 2002 to September, 2002 prioritized Credit-card balance reduction, anticipating outside refinance

October, 2002 all refinance attempts failed, reasoning was then unknown, Credit-cards showed $60,000.00 available credit with low remaining balance due

November, 2002 Countrywide exposed home loan payment history problem, Credit Repository Report, restriction hobbled their refinance efforts, undersigning dismissed out of hand

November, 2002 any / all outside refinance offers and term commitments attempted without availability, even high risk, high Interest, refused loan, including without the expanded Principal first desired

December, 2002 Involuntary Bankruptcy protection forced

December, 2002 Attorney charged hour proof of claim, explained additional funds available for loan history research and volumes of loan history documents copied and conversed, numerous office visits and hours expended without loan history resolve

Early, 2003 Bankruptcy requires finance training class, reviewed check paid loan history problem with Attorney / Scholars/ Teachers proof of claim review suggested

Middle, 2003 Bankruptcy Conformation Hearing, demanded on the Court recorded record, credit for cashed check payment accountability waving canceled check's to Judge, Trustee, Homeside Lending. Judge forced Signature then Stayed Bankruptcy Conformation for 60 Day's, reprimanding and ordering Attorney to file Proof of Claim for loan history resolve.

October, 2003 Judge's 60 Stay time allotment expired, Attorney stated Homeside Lending offered return of Principal Curtailment and Escrow reduction funds, offer denied, without Credit Report itemizing returned funds, some damages and loan history production's proof of event accountability, fearing unrealized additional damage's, he conversed quitting, payments halted for court review date.

February, 2004 received Bankruptcy Attorney's notice of quitting all Houston, Texas case-load, he recommended Bar Association Attorney

March, 2004 New Attorney formatted loan history from real-time summaries and composed R.E.S.P.A. qualified written request,

April, 2004 New Bankruptcy Attorney's R.E.S.P.A. qualified written request was being ignored letterhead Dated February 12, 2004, request carries time-line restriction's with damages {loan server must acknowledge within 20 Days, and resolve within 60 Days} Attorney backdated letterhead way before our first acquaintance pre-expiring, home loan payments halted for Court review.

September, 2004 release of Bankruptcy Stay hearing, called Attorney at office, she refused courtroom attendance, in courtroom My Bankruptcy Trustee Attorney was busy hearing and releasing Bankruptcy Stay's and Foreclosure's ruling from Judge chair, allowing Judge' Courthouse absentee day, Trustee Stayed Bankruptcy until October, 2004 awaiting Bankruptcy Attorney representation, Again canceled check stubs waved demanding accreditation with loan history production

September 17, 1955 Birthday, U.S.A. "Constitution Day" Holiday and Toyota Rav4 Repossession 2004 near-about-date!

September 17 2004 used Attorney's unanswered / ignored February 12, 2004 R.E.S.P.A. qualified written request to craft, format, personal R.E.S.P.A. Qualified Written Request posted Certified Mail, Washington Mutual, Bank One and Homeside Lending, Also' posted First Class B.B.B. Comptroller of the Currency, Office of Thrift Supervision, RESPA and more, e-mailed all-about. Comptroller of the Currency forwarded assisting, Better Business Bureau forwarded assisting and repeatedly ignored, despite Washington Mutual seating one of their Five Chief' arbitrator chairs, B.B.B. later reported three Year, Washington Mutual suspension resulted.

October, 2004 Trustee recommended Attorney file amended Proof of Claim or file Core Adversary, privately conversed with Attorney and Trustee, Both' stated Core Adversary filing intended Trustee related, Judge Ruled, Bankruptcy Stay suspended until December 15, 2004

I/E October, 2004 Year later 2005; Judge ruled Bankruptcy Attorneys ignored R.E.S.P.A. qualified written request inadmissible evidence in Core Adversary Courtroom proceedings, actual postings questioned.

November, 2004 Attorney claimed forwarding with Lender communication for loan history production, possibility of Core Adversary trial avoidance, her filing still pending if loan history production unresolved

November 19, 2004 Washington Mutual letter requested patience' promising loan history production while relating The Comptroller of the Currency and Better Business Bureau involvement

December 15, 2004 called Washington Mutual for status up-date, Management reported Bankruptcy Stay released, and loan history transferred to Washington Mutual Chicago Archive department, called Archive department and four year coveted, protected loan history received by e-mail that Day

December 16, 2004 called archive department disputing loan history received, explaining discovery of Principal Curtailment and Escrow reduced with wowing response

December 19 or 20, 2004 Bankruptcy Attorney office meeting, Core Adversary filling was pending

December 15, 2004 Core Adversary filing's letterhead date

Clarifications; Bank One N.A. loan originator Principal Curtailment was a breach of DEED contractual Term commitment preemptive clause's signed authorization requirement's, restriction of covert prepayment's compromising NOTE {here fifteen year} final pay-off, that specifies' instead of damage arbitration, all loan originator received funds and earnest funds returned, supporting DEED 180 month term commitment paperwork', $12,291.54 but for Insurance, Tax and Inspection Costs related = $10,286.25 amendable with discovery. THIS Specification was the missing top half of preemptive DEED Clause's Paragraph that protected NOTE omitted by Judge on Judgment rendered, the forward substance of Core Adversary Justice sought, Judgment quoted NOTE from the and therefore down, only', Plagiarized by edit, delete, plus' 10% Interest Bankruptcy Trustee charged, plus' forced Bankruptcy' damages, doubled with foreclosure.

Washington Mutual argues substantiation of Credit Repository, inaccuracies, required. Loan manager testified Homeside Lending used {INNUS} Credit Repository. The three major Credit Repositories report's' itemize only twelve most recent month's' detailing generalization no derogatory. Home loan was hobbled with lender accountability derogatory of December, 2001 phantom-like void of accreditation {pencil shading} matching posted loan history's and Escrow summaries, accessing itemization of December, 2001 requires release by Homeside Lending {INNUS} Washington Mutual, but Escrow reduction's only challenge is real-time statement date predates loan history's recorded date, to alone' allow Washington Mutual connotation that November, 2001 Escrow reduction' anticipated December, 2001 payment need, only forwarding their nonsensical slimmer of convince-ability's baffling relevance,

Washington Mutual states' dispute the No Derogatory for solution, Assumption's November 5, 2001 Escrow reduction first credited November, 2001 {assuming and/or December, 2001} then payment discovered, defaulting payment to December, 2001, but December, 2001 was also' proved paid by check photocopy, then before December, 2001 the $637.22 vanished, Tax payment created Escrow in shortage, at some point the $637.22 was reported I.R.S. 1098 Taxed, $336.00 Escrow returned. Detailed Escrow summery report was demanded, requested, received early January, 2002 and again requested, received April 15, 2002, intentionally all reported December, 2001 pencil shaded = void, without accreditation including monthly loan account histories and Final loan summery began Homeside Lending loan history November, 29, 2001 intentionally coveting first 28, November 2001 Day's following loan transfer, explaining creation of $103.00 Escrow Shortage demand, Credit Repository Report's void, blocked outside refinance forcing involuntary' Bankruptcy protection.

Brief timeline; Closed March, 2001 Principal Curtailment theft, loan transfer, Escrow misapplication, check payment investigation, Escrow misapplication vanishes becoming Escrow Curtailment theft, December, 2001 unaccredited, Escrow Curtailment Re-Taxed, Escrow Surplus return, requested Escrow Summery received, twelve $103.00 Escrow shortage's demanded starting April, 2002, April, 2002 first untimely payment {check ISF}, Again requested Escrow summery received, May, 2002 $2,000.00 payment, Prioritized Credit Card balance pay-offs, refinance blocked, Bankrupt, loan history denied, Judge orders Proof of Claim loan history resolve, Staying Bankruptcy Conformation 60 Day's, Attorney Quits all Houston case-load, New Attorneys R.E.S.P.A. ignored, My R.E.S.P.A. ignored, Comptroller of Currency assistance, Bankruptcy Stay released, Better Business Bureau expels Washington Mutual, paid Trustee to end Bankruptcy, Sued Washington Mutual/ Homeside Lending, Trial ended 100 Days later Judgment received, awarded $1,000.00 for ignored R.E.S.P.A. only', Attorney received compensation Award, DEED specification Curtailment damages ignored equates Judge allowed Theft, erroneous Escrow reduction' {is Escrow abuse, without damage award} Escrow reduction vaporized equates, Again Judge allowed Theft, {Congressional RULE 2005} timely appeal ruled by Bankruptcy Judge five Day late, when only Ten Day covertly allowed, factually overruling 2005 Congressional Five additional Day Mandate, forcing Excusable Neglect court argument, Second Appeal shouldered {docketed} awaiting Enron Judge, Main Enron Trial' conclusion, Houston Courthouse Supervising Judge expected to expose Houston Courthouse Judges impropriety' of ignoring congressional RULE 2005 overshadowed Excusable Neglect case merit's, then Appealed Fifth Circuit to over-rule Enron notoriety Judge's decision! Wall Street protectionism, Appeal's denied up-to desired U.S. Supreme Court when Appellate Attorney let time expire' before sending case to printer, never once compiling Core Adversary Merits to Brief, Washington Mutual uses Bankruptcy Trustee to return $7,515.98 without Arbitration, Explanation or Accountability then Forecloses.

Specific detailing advanced from above; Bank One N.A. Principal Curtailment breach of DEED term commitment' signed prepayment authorization Clause NOTE protection, Contractually specifies, instead of damage arbitration, all loan originator received funds and earnest funds returned, supporting DEED Lender Signed NOTE paperwork', exempting Insurance, Tax and Inspection Costs relative $12,291.54 minus $1,289.85 transferred, best accountability updateable, if arbitrated Attorney advice required! Minus $1,168.26 County Tax, minus $239.00 PMI, minus $308.00 Hazard Insurance, Judgment omitted these specifics, {quoting from middle Paragraph} starting from the and therefore altering composers contractual protection intent = $10,286.25 plus' 10% Interest, plus Escrow reduction that vanished damage's, plus' forced Bankruptcy damage's, plus foreclosure damages, plus homestead return

Damage was extraordinary and $1,000.00 each Day's justifiable, even circumstantially shortsighted, once examining premeditatedly misapplication advancements, considering theft admittance was precursor of courtroom fallacious court argumentum, understanding asset division shoulders certain limitations, additional fund sources hold promise that may of may not factor into Washington Mutual asset treasury revaluation, comparatively paling damage's accounted, first' help is needed nonetheless quest's, exposing derivative, assumption's, researchable, learn-ability, prior to April, 2009.

Damages Sought in Three Day, Core Adversary Trial, and demanded today!
In accordance with original forced Bankruptcy damage's sought, as a simplification' Day-rate damages equate, relating arbitrate-able self-judgment $1,000.00 each Day' was recorded at Core Adversary Trial

Actual damage's forwarded without accounting all accrued damage's or restitution, Damage's 2,744 Day's and 2,744 Day's Interest requires amendments accordingly, Day-rate's simplify

From September, 2001 or from November 5, 2001 to March 31, 2009 all assessed = 2,744 Day's
Mindful Trustee charged 10% Interest resulting, so 10% results
Foreclosure was Homestead Theft doubling overall damage's if not restored

Bank One Principal Curtailment, Deed damage's of $10,277.25 X 10% Interest X 2,744 Day-rate.

Homeside Lending Escrow reduction $637.22 minus $336.00 Escrow returned = $301.22 X 10% Interest X 2,744 Day-rate, plus forced Bankruptcy damage's X 10% X 2,744 Day-rate

Combined = Curtailment damage's $10,578.47 X 10% Interest X 2,744 Day-rate and 2,744 Day's X 10% Interest on Curtailment Damage plus forced Bankruptcy damage's X 10% Interest for 2,744 Days

Then minus Washington Mutual's December, 2007 return of $7,515.98 damage reduction that shortsightedly omitted $3,582.75 damage's from included Theft's, then Interest accrued and day-rate damage amount's. Again' Core Bankruptcy fund return is admitting faults burden of guilt, Both' Mooting and Muting Judgment while Self accessing restitution that grossly underestimating damage rendered, ignoring all accrued Damage's and accrued Interest

Simplified eliminating arbitration and Attorney fee's = 2,744 Day's X $1,000.00 = $2,744,000.00 with homestead's return or with Foreclosure damage doubled, But' $5,488,000.00 accounts fighting Usury by using = $3,000,000.00 Claim or ironclad $3,500,000.00 defendable Claim.

Richard
Carnegie, Pennsylvania
U.S.A.

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