Wells-Fargo's 'How-To Fraud Mortgage' Manual

by Clinton Kirby

 

Wells Fargo's "How-to fraud mortgage  manual" suggests this "Too Big To Fail" bank may be going down.  Here's the link to download the actual Wells Fargo  'how-to create mortgage fraud' manual.


So, once again, the "conspiracy theory" that banks manufacture/massage/manipulate the documents they need-but don't have-in the foreclosure context has proven to be fact.  Indeed, the whistleblower that went to Naked Capitalism regarding Wells Fargo a year ago was not just, whistling Dixie, as it turns out. Wells Fargo indeed doctors/manufactures documents, and according to a lawsuit in New York, they actually have a manual on how to do it!  Naked Capitalism quotes a New York Post article about the lawsuit:

 "In a filing in New York's Southern District in White Plains for
 a local homeowner in bankruptcy, attorney Linda Tirelli described
 a 150-page Wells Fargo Foreclosure Attorney Procedures Manual
 created November 9, 2011 and updated February 24, 2012. According to
 court papers, the Manual details 'a procedure for processing
 [mortgage] notes without endorsements and obtaining endorsements
 and allonges.'"

If Wells Fargo does it, you can rest assured that the other big banks do it-after all, they have to compete! Check out this quote that gets right to the heart of the kind of thinking that causes this copycat, groupthink fraud from an article entitled "Fiduciary Duty to Cheat? Stock Market Super-Star Jim Chanos Reveals the Perverse New Mindset of Financial Fraudsters"

"Because if now, as the senior member of a bank, or the board of a
bank, I know that there are no criminal penalties for breaking the
rules, don't I have a fiduciary responsibility to my shareholders
to actually play fast and loose? Because if I get caught, that's
just the cost of doing business?" 

Yep. All the banks are doing it, not just Wells Fargo. We just don't have the other banks' manuals - yet.


Obama's Conn. Social Security Number hits Rush Limbaugh..

by Joe Kovacs {World Net Daily}


Rush Limbaugh, the nation’s top-rated radio talk-show host, briefly brought up the issue of Barack Obama’s potentially criminal use of a Connecticut-based Social Security Number, since the president has never lived in the Constitution State. While speaking with a caller named Rob about Obama’s alleged deception of citizens, Limbaugh tossed out the question: “What are your thoughts on the fact Obama’s Social Security Number is from Connecticut and he’s never been there?” 

Rob responded, “That’s what you call a red flag. A red flag is also, ‘First of all, I don’t need to give you my birth certificate,’ and then finally, ‘I’ll give you a copy,’ Oh, that’s a modern copy … We don’t need copies, we need originals.”

Rob continued, “How about releasing all of your college papers and let’s see what you really thought about America when you were in college? He’s deceiving us.” 

“That’s true,” said Limbaugh. “They don’t want [us] to see what those term papers, doctoral theses and so forth actually were about, nor do they want us to see the grades. They don’t want us to see the grades.”  Rob had originally focused on Obama’s birth certificate, which Arizona Sheriff Joe Arpaio has investigated and believes is a likely forgery.

“He says he was born in the United States,” said Rob. “He has not shown a genuine, authentic, viable, verifiable – in order to authenticate any document, you need to have the original.”  “Now wait just a second,” said Limbaugh. “They did release a birth certificate. Even Donald Trump said he’s satisfied with it.”

“The original? But a copy of anything you can’t be satisfied. You have to actually examine the original. … In order to have an expert authenticate it, you can’t go by a copy. You actually have to go by the ink on the paper, as well as many other things.” 

Obama’s Social Security Number was not discussed again in today’s radio exchange, but its mention is notable because few members of the national media have treaded near that subject.

 As WND reported last August, Obama’s possibly criminal use of a Connecticut-based Social Security an important issue in his quest for re-election in 2012, said Alan  Keyes,  a former  presidential candidate and ambassador in Ronald Reagan’s administration.   The first three digits of Obama’s SSN are 042. That code falls within the range of numbers for Connecticut, which according to the Social Security Administration has been 040 through 049.  “I believe that when you are confronted with a situation that is filled with these kinds of – what shall we call them – anomalies, disparities,  it is reasonable common sense to want to try to get straight answers,” said Keyes.  

“If you’re trying to ascertain whether or not somebody ought to be sitting with, as they used to say, their finger on the button of nuclear weapons that can blow up the world, their power extending to decisions that can collapse our economy, their influence extending to areas that can destroy the standards and moral conscience of our people in the eyes of the world, I think you might want to know who they were. It might be a good idea!”  

Keyes’ comments came during an online interview with Stan Solomon, as he addressed an issue that has been avoided by the White House and almost completely ignored by national news agencies.  “Let’s say that you’re trying to establish someone’s identity for the purposes of an investigation and you come across a Social Security Number that has that person coming from a state that all the other records of their life indicate they’ve never been to,” Keyes explained.

“I think you would look at that as an anomaly that suggests, among other things, that you better probe a little harder to make sure that the identity that you’re dealing with is a real identity – that it’s not something that’s been in some sense fabricated for some particular purpose, because one of the things you want to do if you’re tracking somebody down is make sure you’re tracking them down, not following some phony figment down to dead ends. That’s common sense.”

Keyes thinks there are many Americans who are aware of this Social Security Number mystery and simply can’t understand why it’s not being addressed.

“Is it incompetence? Is it cowardice?” he asks rhetorically. “Is it just indifference and nonchalance of this elite in the courts and in politics, in the Congress and elsewhere?”

Steve Davis, police chief for Southport, Ind., was a co-host on the program, chiming in, “If anyone believes Barack Obama is gonna make an identity-theft commercial soon, forget it. It’s not gonna happen.”

Keyes then went on a scathing indictment of the current crop of political candidates and their apparent unwillingness to take on the issue.

“You know there’s hardly a one of them had the guts to stand forward and speak truly to the issues that are raised by these anomalies and to address the constitutional issues that are involved in [presidential] eligibility,” he said.

“And that, it seems to me, is a big strike against you because at the end of the day if you’re not willing to respect the requirements of integrity with regard to the most potently damaging office that it is in the gift of the American people to give, then I guess you’re willing to misinform and lie to them about just about anything. Because if you don’t care whether their vote for president – the most important vote they cast – can be cast with integrity, then you don’t care whether they’re represented or not.”

Keyes continued: “I know very few – I don’t care which party label they wear – who have had respect for the people, the respect for the Constitution, the respect for the requirements of real and true representation and choice in our elections to stand forward and deal with these matters forthrightly. They’ve allowed folks like myself and others who are outside the purview of government to kind of just twist in the wind. First they called us names and then they tried to tear us down, and as the facts and other things became evident and more and more people lined up, now they’re just silent and cowering in some dark corner, unable to voice their shame. And I think that’s where they belong, most of them.”

In June 2010, WND’s Washington correspondent, Les Kinsolving, asked former Obama Press Secretary Robert Gibbs specifically why Obama had a Connecticut-based SSN despite not having lived there, but Gibbs completely dodged the question and changed the subject, lamenting about inquiries over Obama’s birth certificate.

“There is obviously a case of fraud going on here,” said private investigator Susan Daniels. “In 15 years of having a private investigator’s license in Ohio, I’ve never seen the Social Security Administration make a mistake of issuing a Connecticut Social Security number to a person who lived in Hawaii. There is no family connection that would appear to explain the anomaly.”

Just this week, a California lawyer who has been leading the legal effort to probe Obama’s SSN made some progress in Hawaii.

As WND reported, attorney Orly Taitz secured an order from United States District Court Magistrate Judge Richard L. Puglisi demanding representatives of the Hawaii Department of Health appear in federal court Sept. 14 to show why Taitzshould be prevented from seeing whatever original 1961 documents theagency has on record regarding Barack Obama’s birth.  To date, most national media have refused to even mention the question of Obama’s possibly fraudulent Social Security Number.

On April 27, 2011, the day Obama released a scanned image of what he claims to be his long-form birth certificate from Hawaii, MSNBC host Lawrence O’Donnell angrily shouted down California attorney Orly Taitz to prevent her from exposing on national television what she claims is Obama’s Social Security crime.  Also in April of last year, some 11 months after WND began publicizing Obama’s Connecticut-based SSN, Bill O’Reilly of the Fox News Channel briefly addressed the issue while reading his viewer mail on the air.

Unfortunately for O’Reilly, the news anchor falsely asserted the president’s father lived in Connecticut.

In his viewer email segment April 13, 2011, O’Reilly was asked: “What about Obama having a Connecticut Social Security Number? He never lived there.” “His father lived in Connecticut for several years,” O’Reilly claimed, adding that “babies sometimes get numbers based on addresses provided by their parents.”  In reality, there is no evidence Barack Obama Sr. ever lived in Connecticut.  He left Hawaii in 1962 to study at Harvard in Massachusetts and then returned to his home country of Kenya.  When WND publicized O’Reilly’s major error,
the information vanished from the Fox News Channel’s website, as well as BillOReilly.com.

The BirtherReport.com website, responding to complaints by Fox podcast customers that O’Reilly’s Social Security claim, broadcast on Fox, had gone missing from the audio archive, trumpeted the headline: “Busted: Fox News scrubbed Bill O’Reilly’s 4/13 mailbag segment on Obama’s Social Security Number reserved for Connecticut applicants.” The site added, “Not only did Fox News scrub the podcast, they also left out the viewer email about Obama’s Social Security number at O’Reilly’s website. I report, you decide!” 



Joe Kovacs, author of the forthcoming book (out July 17), "The Divine Secret: The Awesome and Untold Truth About Your Phenomenal Destiny", as well as the No. 1 best-seller "Shocked by the Bible: The Most Astonishing Facts You've Never Been Told," is executive news editor for WND.

Find out all there is to know about Obama’s Connecticut Social Security Number in Jerome Corsi’s “Where’s the Birth Certificate,” both in hardcover and an additional ebook. And we also have the results of Sheriff Joe’s probe into Obama’s birth certificate!


Obama Birth Certificate 'Raises Questions' Says Court Justice

by William Green 

A Supreme Court Justice in Alabama has declared that, thanks to recent investigations into Barack Hussein Obama's alleged Constitutional ineligibility to be President of the United States, a filing that seeks to require an original copy of Obama's birth certificate before he would be allowed on the presidential ballot in November has raised "serious questions" about Obama's "birth certificate" -- and the possibility that it's a FORGERY.

Justice Tom Parker has filed a "special, unpublished concurrence" in the case arguing that Alabama citizen Hugh McInnish's charges of "forgery" were legitimate cause for concern, according to a report at WorldNet Daily!   In his "concurrence" opinion, Justice Parker wrote:  McInnish seeks from this court a writ of mandamus, directly ordering Beth Chapman, as secretary of state for the State of Alabama, 'to demand that [President Barack Hussein] Obama cause a certified copy of his bona-fide birth certificate be delivered to her direct from the government official who is in charge of the record in which it is stored, and to make the receipt of such a prerequisite to his name being placed on the Alabama ballot for the ... November 6, 2012, general election.'"

Justice Parker then wrote, "Mclnnish has attached certain documentation to his mandamus petition, which, if presented to the appropriate forum as part of a proper evidentiary presentation, would raise serious questions about the authenticity of both the 'short form' and the 'long form' birth certificates of President Barack Hussein Obama that have been made public." 

Sheriff Joe Arpaio, and his "Cold Case Posse." And in the words of Sheriff Joe, when asked about his official probe into Barack Hussein Obama's eligibility to be President of the United States: "We got tons of other information that could be very shocking!" 

"I'm not going after the president to keep him off a ballot or anything else, but that could happen," Arizona Sheriff Joe Arpaio said. "I'm going at it strictly as a law-enforcement guy investigating a possible forgery and fraud. I'm sticking with that, but I'll tell you one thing. We got tons of other information that could be very shocking, too, but I'm sticking now with just the [forgery] investigation and possible criminal violations."

Sheriff Joe is also calling the media's suppression of his findings of a likely forged  presidential birth certificate and Selective Service Card "probably the biggest censorship blackout in the history of the United States."

BUT, in spite of the media "blackout," his investigation is WORKING! After Sheriff Joe released his report on the likelihood that Obama's "birth certificate" is probably fake, states are beginning to MOVE to force the issue to the forefront! The L.A. Times reports: "Weeks after Maricopa County Sheriff Joe Arpaio embraced the... contention that President Obama was born outside the U.S. and is therefore ineligible to hold office, other elected officials jumped on the bandwagon.

On Wednesday, Republican state Rep. Carl Seel's 'birther bill' passed a Senate committee on a party-line vote, the Arizona Republic reported. The bill, passed 4 to 2, would require candidates for president and vice president to submit affidavits to the Arizona secretary of state vowing that they meet the constitutional requirements to hold office, including being born in the U.S.

Although Republican state Sen. Judy Burges voted for the bill, she complained that it had been watered down, the Republic reported. An earlier version required the secretary of state to certify candidates' citizenship.

Meanwhile, Republican Secretary of State Ken Bennett is expected to call for aspiring chief executives to complete a form that asks about their place of birth. 'There has been a lot of media attention devoted to this, so we wanted to make sure there is a standardized form,' spokesman Matthew Roberts told the Associated Press."


Another CASE has been filed asking State officials to REMOVE Barack Hussein Obama from the 2012 presidential ballot, because he DOES NOT meet the state's eligibility requirements -- this time, in Pennsylvania.


PLEASE, take action RIGHT AWAY to DEMAND that every Secretary of State AND Attorney General in all 50 States REMOVE the name of Barack Hussein Obama II from their States' presidential election ballots, due to his ineligibility to serve in that office under Article II, Section 1, Clause 5 of the U.S. Constitution.


OUR FRAUDULENT PRESIDENT Can't Pass an E-verify Test

by Frosty Wooldrich


If you walk up to a barn, you might say, "Something stinks in there."

If you talk to today’s teenagers, you might hear, "Hey dude, what smells?"

In Shakespeare’s time, "Something is rotten in Denmark."

Hamlet Act 1, scene 4, 87–91: The character Marcellus, and not Hamlet, is the one who coined the phrase. There's a reason he said the "State of Denmark" rather than just Denmark: the fish are rotting from the head down—all is not well at the top of the political hierarchy.

In 2012, you might say, "Something is rotten in the U.S. Congress." At this time, Americans give Congress a nine percent approval rating. That nine percent need to have their own minds checked.

Barack Obama enjoys 46 percent approval after three years of failed policies, 46 million Americans subsisting on food stamps and another 15 million unemployed. That’s for starters.

For three years, top investigators have pursued Barack Obama’s legitimacy for being president of the United States. His mother was a U.S. citizen, but his father was from Kenya. That’s in question because Obama bears zero resemblance to his purported father. Jerome Corsi wrote a book: Where’s the Birth Certificate? His evidence shows compelling facts that Barack Obama is not a U.S. citizen. Lawyer Orly Taitz pursued the question all the way to a federal court in Georgia last week. Georgia State Administrative Judge Malihi ordered Obama to appear. Obama failed to attend. A retired Denver, Colorado ICE agent, John Sampson, testified that Barack Obama cannot pass an E-Verify employment check because of a fraudulent social security number made out to a man in Connecticut who died before Obama was born.

Nonetheless, no American citizen is given any other person’s social security number and no American citizen is given a social security number other than the state from which he or she resides at the time of the issuance. Barack Obama’s social security numbers starts with "042" showing that he obtained it in Connecticut. However, Barack Obama has never lived in or has he worked in or in any way been connected to the State of Connecticut.

His grandmother, however, worked for the Social Security office and the speculation remains that she stole a dead man’s number from Connecticut and gave it to Obama. Thus, compounding the fraudulent identity of Obama.

While Judge Malihi last week found Obama not guilty of fraud as to his birth certificate and allowed him to remain on the ballot for the next presidential election in Georgia, the quest of Obama’s fraudulent Social Security number looms large.

"As the U.S. Constitution allowed for every citizen to pursue success, happiness and fortune, to the best of each one's ability and desire, because of the promise that the rule of law, as opposed to the rule of man, would protect their rights and their property, so too did it draw to this country, the best the world had to offer," said Dwight Kehoe of Little Silver, New Jersey. "This is what America is and America is the U.S. Constitution. Clearly the Constitution has been under attack from the left and from the right for many years now. This past week, as Judge Malihi's obviously political ruling settled over this nation like a dark onerous cloud, one could not help but think the enemies of our democratic republic are winning in their struggle to destroy the freedoms we have for so long enjoyed."

Additionally, because Obama did not answer his subpoena to appear before court, how could he win the decision? That’s like Ali and Frasier fighting for the heavy weight title, but Ali didn’t show up, but later was pronounced the winner and Frasier the loser.

Someone must have gotten to Judge Malihi with money, threats or other persuasions. You cannot find someone innocent when they didn’t show up for the trial. Obama didn’t show up and his lawyers abdicated.

Ironically, Obama has reportedly spent $2 million to seal all his records and maintain a full time law firm to keep his records under strict secrecy.

Returning to Judge Malihi’s questionable decision, Kehoe also asked these four pertinent questions:

1. Why did the Judge make a ruling on "credibility" of the witnesses without either cross examination or appointing an expert to review the charges and testimony?

2. Why did the Judge reach out to a lower court ruling, where clearly the few people involved in that case had no clue about Article II, and ignore case after case from our own United States Supreme Court? Could it be because he was operating on an agenda as opposed to the law?

3. If the Judge was going to allow the defendant not attend or testify under oath and thereby made his ruling based upon the "defense" he provided for the defendant, why were the plaintiffs not given the opportunity to cross examine the Judge before he made his ruling?

4. Since Judge Malihi was performing as the defendant's advocate, should he not have been put under oath and questioned as to why he refused to have other experts verify that the birth certificate is a forgery and that Obama's SSN failed E-Verify instead of simply dismissing the testimony?

To that I say, "Something really stinks in the Barack Obama presidency."

Why? No matter how you cut it, obfuscate it, cover it, falsify it and evade it—Barack Obama, if he gave his social security number to a prospective employer for a check at E-Verify to determine if he is a U.S. citizen and eligible to work in this country—Barack Obama would fail.

In other words, this country has been misled, duped, lied to, scammed and buffaloed.

In this coming election, the American people must demand honesty, integrity and honor to the U.S. Constitution. That cannot occur with a president that possesses a falsified Social Security number, which leads any rational person to appreciate that one lie leads to another and that Barack Obama is a liar and he knows it. Lies can never be covered up and they will be exposed in the course of time in this free country governed by the rule of law and not of men.

It’s only a matter of time before the truth comes out in a court of law.

 


Frosty Wooldridge possesses a unique view of the world, cultures and families in that he has bicycled around the globe 100,000 miles, on six continents and six times across the United States in the past 30 years. His published books include: "HANDBOOK FOR TOURING BICYCLISTS"; "STRIKE THREE! TAKE YOUR BASE"; "IMMIGRATION’S UNARMED INVASION: DEADLY CONSEQUENCES"; "MOTORCYCLE ADVENTURE TO ALASKA: INTO THE WIND—A TEEN NOVEL"; "BICYCLING AROUND THE WORLD: TIRE TRACKS FOR YOUR IMAGINATION"; "AN EXTREME ENCOUNTER: ANTARCTICA." His next book: "TILTING THE STATUE OF LIBERTY INTO A SWAMP."