Complaint Review: Paladin - Internet Internet

My name has been used inappropriately in a post against Paladin Securitization Auditors and should be removed immediately. I do not work for Paladin, but reviewed a bankruptcy for them and want my name removed from this posting. I am surprised that Rip-off report will aid anyone to post libel on the web without verifying any credibility.

I reviewed information on a consumer who had a loan with a small bank in California. The review concluded that the borrower had 3 properties that they did not disclose to the bank, including a 108 acre ranch.

They had filed bankruptcy in Federal Court fraudulently not disclosing the banks property I was auditing.

When I pointed out that they had failed to disclose the additional $750,000 property to the court on case 10-13679 filed in the US District Court of Northern California and had lied to numerous banks in violation of Title 18, Section 101 of the United States code, the foreclosure broker, Cate Milne, apparently became upset.

I would avoid dealing with Cate Milne of wise loan restructuring , as she may be party to a matter before the US Attorney's office and The US Trustee's office.

There are many other other facts at issue, but it does become difficult to hide 3 Three $750,000 properties.

***PALADIN SECURITIZATION AUDITORS WILL BE PURSUING LITIGATION ACTION FOR EXTORTION, SLANDER, & DEFAMATION OF CHARACTER AGAINST ALL PARTIES INVOLVED IN THE ABOVE COMPLAINT!!!***

The Complaint made above was written by a client/agent who was not solicited by paladin by phone, email, or any other form of advertisement. This client sought out Paladin through their friend/agent and contacted Paladin to perform a Securitization Audit in order to uncover potential issues with their loan. The client had a detailed conversation with Paladin before contracting services which explained that they would need to seek legal counsel in order to utilize the audit to seek any long term result/outcome or to pursue damages. Paladin performed an audit and has sent the audit to the client and the bank. Paladin was informed that the client conferred with counsel but that counsel was to expensive for them to afford at this time. The bank has postponed a sale based upon the findings for a 48 hour period for the client to seek legal counsel or to file bankruptcy. The client did not retain any counsel in that time and claims that because they did not have funds to retain an attorney they should not be held responsible for their foreclosure and wishes to blame someone for that. On further analysis, Paladin Auditors uncovered the customer has attempted to defraud the Federal Bankruptcy Court and has committed Bankruptcy Fraud. With that Paladin immediately informed the client that they would no longer be able to speak with the client further on their file as this is a breach of contract regarding truthfulness and accuracy to all information regarding their file upon submission. The client has received their audit and has had services rendered in full. Paladin has been threatened by both the agent and the client to either refund the client's money or they would post slanderous and defaming statements like this. However the client has not only received their audit rendering services complete, but they have also breached their contract with Paladin, and most importantly committed fraud against a Federal Court. 

*** Please read below to obtain the full facts of the situation. ****

Paladin Securitization Auditors has never received a complaint regarding our company and stands by our Audit and our Associates! 

Paladin Securitization Auditors does not contract any work relating to Foreclosure Prevention.

Paladin Securitization Auditors provides a tangible service in which we provide clients with a Securitization Audit. This audit can be then taken to an attorney to be utilized in litigation matters against their lenders based upon the findings of the audit. Our Auditors are available as Expert Witness Testimony in Court and have 26 years of mortgage banking experience and are experts in auditing. 

Paladin Contract:

The client has contracted with Paladin for a specific service which has been listed in Section B Sub-Section 2 of their contract which they signed and executed August 3rd, 2011:

2. Scope of services for Residential Securitization Audit. The Company and his staff shall perform the following services (without limitation) for and on behalf of the Client. It is understood that not all of the services listed below may be relevant to the Clients loan on and that in the event that the Client does not have the documents requested or said documents cannot be found that Company shall use best efforts to conduct said securitization audit without said documents. Once all listed documents and additionally requested documents are delivered to Company he shall have three weeks in order to produce the results of the securitization audit and no sooner. Any requirement that audit be conducted in less than three weeks shall be communicated in writing and subject to an additional charge of $250.00 per every five day block in advance of the three weeks that the Client demands for the audit to be performed.  
***We do not stop sales or contract out for any such work. Although lenders can choose to invalidate or postpone a sale because of the findings from said audit, this does not entitle the client to a guarantee or warrant you to a refund if the lender does not act upon this.***

The Paladin Contract which the client executed and entered into with Paladin Securitization Auditors states very clearly that we make no guarantees regarding audit services. Section Q of the Client Contract reads:

Q.  Disclaimer of Guarantee. Nothing in this Contract and nothing in Companys statements to Client will be construed as a promise or guarantee about the outcome of Clients matter. Company makes no such promises or guarantees. Companys comments about the outcome of Clients matter are expressions of opinion only:  

CLIENT ACKNOWLEDGES AND AGREES THAT COMPANYS SERVICES HEREIN DO NOT COME WITH ANY SPECIFIC, STATED AND/OR IMPLIED WARRANTIES, REPRESENTATION, AND/OR GUARANTEES BY COMPANY, ITS AGENTS, EMPLOYEES, REPRESENTATIVES, OFFICERS, DIRECTORS, AND/OR COMPANIES. 

If the client had wished to terminate services at any time or request a refund prior to the audit completion they could have sent in the early termination agreement and Section M would be applicable. No termination forms were ever mailed out or received. Section M reads:

M.  Termination of Agreement. Either the Client or the Company may terminate this agreement at any time for any reason upon written notice to the other party. In the event that Client terminates Agreement prior to completion of services Company shall be credited the value of $350.00 per billable hour of work performed on the file including all reasonable costs against the flat fee to be refunded.  

Paladin has rendered services and provided the client with a full audit which has now been sent twice to their email address.

The client has confirmed receipt of this.

Paladin has gone above and beyond by relaying the audit results to the bank. The bank read through the audit and decided on their own general counsels advice to place a hold on their sale for 48 hours while they sought out legal counsel to look into a stay from bankruptcy or litigation based upon the audit findings which the client received. Paladin does not contract out Foreclosure Prevention Services and it is up to the bank to decide how they wish to continue with a foreclosure once they receive the audit findings.
 
Furthermore, our Auditor has uncovered what would be considered attempts to defraud the Federal Courts and commit Bankruptcy Fraud by conveniently omitting the property that the client had Paladin audit. If Paladin Securitization Auditors choose to it can come forth with this information that has been uncovered and present it to the US Trustee's Office, Department of Justice, and any other Governing Authorities. In Section D of the client contract, Paladin clearly state that the client must be honest and forthright with all information they provide to Paladin. The client has multiple times changed and or altered their reasonings for filing bankruptcy and the outcome of the bankruptcy. 

D. RESPONSIBILITIES AND OBLIGATIONS OF THE CLIENT. The Client agrees to furnish the Company with truthful and accurate information and provide any and all additional documents that the Company requires in order to perform the residential securitization  audit.

Paladin will also provide 51 pages of the factual evidence that the US Trustee's office would need to pursue for Federal Charges for Bankruptcy Fraud,  if Paladin felt so obliged to release due to the severity of the fraud committed. Paladin is under no obligation to continue to assist in the client's file or property, as not only have services been rendered and satisfied to the fullest degree of the contract, but the client has also violated and breached our contractual agreement as set forth in Section D and stated above for your reference.  Furthermore the false statements that have been uncovered by the Paladin Auditor could be potentially considered perjury and fraud with several banks in a Federal Court setting. If this matter does need to be addressed by the Federal Courts, then Paladin Securitization Auditors, its Officers, Board Members, General Counsel, and Auditors will be more than willing to testify in Federal Court in front of the US Trustee on the evidence they uncovered regarding the client's Bankruptcy Fraud and attempts to deceive the court. 

The client's request for refund was denied on all of these points mentioned above and the client is in receipt of the audit in which they contracted Paladin Securitization Auditors for. For any further communication on this matter please correspond with our office directly by written correspondence at 109 E. 17th Street, Suite 75,  Cheyenne, WY 82001. 

We have been asked to remove this report by Paladin. We do not want any trouble from Paladin. Please disregard.