Black Knight mortgage Notes forgery
I am a victim of a RICO enterprise operated by Bank of America though its sham conduits like Caliber Home Loans, Inc., PennyMac Loan Services (fka Countrywide Financial) - with full support from Black Knight, Inc (owned by Fidelity National Finances) .
In my situation Black Knight ordered a Map from FEMA to place bogus flood insurance on my property which not in the Flood zone (I suspect this insurance was result of kickbacks)
Later Black Knight sent to fake "Servicer" PennyMac a pile of my closing documents with a copy of my Promissory Note and a poorly forged Allonge signed by some Collateral Shipper Jordan Lune who assigned my loan to Caliber on the same closing day; and whose electronic signature is a text-book evidence of modern robo-signing and forgery.
Neither Caliber or PennyMac never had any of my loan documents and never processed any payments. They merely got a password to Black Knight database (known as "boarding") and posed as "Servicers" to defraud borrowers about who is a real party who collects payments - BOA.
Anyone who knows about foreclosure litigation and securitization of residential debt knows that the only way the banks could succeed is if they had a central repository and central command center from which all documents were fabricated and all instructions were issued.
For nearly all loans the central command was Lender Processing Systems, aided by DOCX. While DOCX is technically defunct and Loraine Brown went to jail taking one for the team, the functions of LPS remained the same.
LPS changed its name to Black Knight and in a PR coup transformed itself into the publisher of what is largely viewed as comprehensive data on mortgage lending and foreclosures.
Hence it went from the purveyor of false, fraudulent, forged documentation to the purveyor of data perceived as reliable and thence became a trusted source whose data is considered worthy of legal presumptions.
Systems at LPS/Black Knight include data processing on virtually all residential loans subject to claims of securitization many of which are represented by data on the MERS Platform which is a workaround to hide separate split transfers of the debt, the note and the mortgage or deed of trust.
The systems on LPS/Black Knight are designed for the the express purpose of presenting consistent data in foreclosure claims. As such it also enables the rotation of apparent servicers, none of whom perform bookkeeping functions even if some of them interact with borrowers as if they were actually the servicers.
The rotation of servicers comes with the false representation and illusion of boarding in which the process is falsely represented as meaning that the new servicer inspected, audited, reviewed and input the data into their own system. None of that occurred. Instead the new servicer merely gained access to the same LPS system as the last servicer with a new login and password.
All evidence shows that the functions for fabricated, forging and robosigning documents continue to be performed under the direction of LPS/Black Knight which receives all instructions from various investment banks who have each started their own securitization scheme masking apparent trades in the secondary market for loans and trades in the shadow banking market where “private contracts” are regularly traded without any securities regulation.
Far from dropping their connection with LPS/DOCX the major banks have completely embraced this central repository of all loan data, all of which is subject to manual and algorithmic manipulation to suit the needs of the banks; thus they produce a report that creates the illusion of credibility, reliability and even independence even though none of those things are true.
So now U.S. Bank is further embracing LPS/Black Knight technology in the form of “Empower” for loan originations. U.S. bank is of course the major player whose name is used in foreclosures despite the fact that it has no interest in the loans and does not receive one cent from foreclosure sales of property. It merely receives a royalty for the use of its name as part of a fictitious name of a nonexistent trust which is falsely represented to have engaged in a transaction in which the trust acquired the debt, note and mortgage on multiple loans.
This deal furthers the PR myth. It strengthens Black Knight as having the attributes of a legitimate player when in fact it is a central figure in the greatest economic crime in human history.
Research made by lawyer Neil Garfield whose blog is Living Lies
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