OPEN LETTER TO ONE WEST (ONE WORST) BANK, FSB AND CONGRESS

July 26, 2013

WE THE PEOPLE are writing to inform you that we will not tolerate One West/IndyMac’s deceitful, immoral, illegal, criminal and fraudulent practices against all of the tax paying citizens of America. 

WE THE PEOPLE are banding together to ensure that justice prevails.

WE THE PEOPLE will ensure that the truth about One West/IndyMac and their executives goes public.

WE THE PEOPLE do not and will not threaten or do anything illegal unlike ONE WEST BANK FSB; we declare that we will peacefully band together, share information, support each other in bringing the behemoth of One West/IndyMac down and exposing them for the fraud and crimes they have committed and continue to do despite Court Orders and Court supervised Settlements of lawsuits [so One West even defies the Judiciary].

WE THE PEOPLE ask that each and every one of our voices be heard and our individual stories be heard, be read and be made public. We respectfully demand that One West answers us in a National public forum.

WE THE PEOPLE are standing up against the biggest crime spree in American history, and we will not back down; we will peacefully and respectfully fight for our constitutional right to justice and a trial by jury as afforded to us under the   7^th  amendment of the United States Constitution.

WE THE PEOPLE will no longer stand back and let One West steal our properties, our dreams,  our rights and our lives; we will not let you wear us down; you have ruined thousands of lives already; we will not let you ruin ours.

You have led us down the garden path, promising reviews for loan modifications when you had no intention of giving them because it is with foreclosure that you reap the HUGE financial benefits of the sweetheart deals you made with the FDIC.

You have "dual tracked" (a whitewashing word to disguise pure criminal fraud of talking out of both sides of your mouth at the same time) to foreclosure with impunity.

You state you are not subject to the laws that apply to your industry, like FDCPA, FCPA, and RESPA etc.

You send out unsigned, unnamed letters with hidden employees to avoid personal liability for what you write.

You repetitively lose our paperwork intentionally trying to wear us down and make us give up.

 You do not account for payments, do not send receipts for payments, and do not provide mortgage coupon payment books so customers can have all of the mortgage terms, month by month....it is a designed system encouraging people NOT to make payments by forgetting or getting confused, and setting the course for foreclosure.

You add on fees when you feel like it and refuse to fully account for them as your goal is to have the biggest phony debt owed by the homeowner when you force a foreclosure because the Federal Government's FDIC will pay 85% on the biggest balance owed [which means that ALL taxpayers will pay you on the phony, inflated balances after foreclosure sales].

You try to intimidate and harass the borrowers by perpetual lies on the phones and in writing, as well as sending multiple, hired stalkers to hover around homes to spy on the homeowners and terrify them as potential burglars while the stalkers take pictures and other actions intended to terrorize homeowners.

You Refuse to allow us to view our original notes.

You act with Misfeasance (to take inappropriate action or give intentionally incorrect advice over and over again).

You act with Malfeasance (which is hostile, aggressive action taken to injure the client’s interests).

You appear to feel you are above the law as you repeatedly violate the same laws over and over again and refuse to correct your practices, even when the Judiciary has told you what to do (and you do NOT) in Consent Orders, etc.

The list is endless and we could provide thousands of pages with hard, concrete proof of the criminal enterprise of One West Bank/IndyMac.

MR. OTTING, MR. MUNCHIN, MR. SOROS, MR. PAULSON, MR. MICHAEL DELL AND EVERY EMPLOYEE WITH ONE WEST BANK FSB.  DON’T UNDERESTIMATE US OR THE POWER OF SOCIAL MEDIA! WE INTEND TO MAKE YOU PAY FOR YOUR CRIMES AGAINST THE PEOPLE!

 

 

SPEAKING TO THE PROSECUTORS, THE CONGRESS, THE JUDICIARY, THE PRESIDENT OF THE UNITED STATES AND THE FREE PRESS:

WE THE PEOPLE, WE WILL CONTINUE TO SPEAK UNTIL MAJOR CHANGES HAPPEN THAT PROTECT US FROM THE BANKSTERS, WALL STREET FAT CATS AND CORRUPTION IN BOTH THE POLITICAL AND CORPORATE WORLD. WE DEMAND TO BE HEARD; WE ARE NOT SHEOPLE, WE WILL NOT BE LED BLINDLY LIKE LAMBS TO THE SLAUGHTER.

WE THE PEOPLE respectfully demand that the President, Congress, the justice system, the press  and all our elected leaders stop harboring, aiding and abetting the illegal, immoral, underhanded, deceitful  and what webelieve are illegal activities by One West/IndyMac. We respectfully demand that a full PUBLIC inquiry including but not limited to a full independent auditing and inspection of emails, documents, bank acquisitions and borrower’s files be thoroughly undertaken.

You were elected to serve the people not the elite and the banking cartels.  We the People respectfully demand that you stop looking after yourselves first and do the job you were elected to do and that is to serve the public that elected you.  Self-service is no service, feathering your own nests and retirement is not what you were elected to do and it is immoral and unethical to reap the benefits of your position while ignoring the needs of your constituents.  Serving the people of this once great country is a privilege not a right for life with a cushy pension and benefits at the end of your term.

Right now the Bankers are common Thieves with Keys to the vault and you are allowing it by failing to prosecute.

"President Obama you so proudly stated in July 2013 that 'We are a Nation of Laws," but that is NOT TRUE---It is a LIE if YOU Mr. President do not prosecute all those who break the laws regardless of their position, you instructed your US Attorney General Eric Holder NOT to prosecute the banks for violating the laws.  Thanks to YOU Mr. President, WE THE PEOPLE DO NOT BELIEVE THIS IS A NATION OF LAWS ANY LONGER...IF THEY ARE ONLY ENFORCED SELECTIVELY AND NOT AGAINST THOSE WHO LINE YOUR POCKETS AND SUPPORT YOUR CAUSES AND RE ELECTION.

 

President Obama YOU also said in July that in the remaining 1000 days that you are in office, YOU WILL DO EVERYTHING that you can do to help the Middle Class recover.  To help the Middle Class, YOU MUST prosecute and throw in jail the financial industry's executives who have been pillaging the Middle Class through elaborate fraud schemes that YOU Mr. President have permitted to operate unchecked during both your terms.  On YOUR watch, the biggest crime spree in America's history has been conducted against the Middle Class with thefts of homes through pure lies and fraudulent documents. WE DEMAND JUSTICE.

 

Mr. President, you can EITHER be a VILLIAN (Liar) OR a HERO and prosecute the Banksters and support a Nation of Laws, and help the Middle Class that was destroyed on your watch. YOUR CHOICE MR. PRESIDENT.  VILLIAN OR HERO!

 

WE THE PEOPLE are holding you accountable for your own words, no more lip service only real action.

 

The governing entities appear to say, we will not help Americans avoid foreclosure. We will not help to delay or stop foreclosure.   Instead, we will work with the banks to throw American families into the street so that we can sell their home for pennies on the dollar to investors. How many hundreds of millions of taxpayer dollars  could be spent on roads or health care but instead its diverted into foreclosure courtrooms...and the end buyer of most foreclosed homes are hedge funds, banks and foreign trusts...that's who's profiting from this housing crisis.

 

WE THE PEOPLE NEED REAL REPRESENTATION FOR THE PEOPLE AND NOT FOR THE BANKS

 

WE THE PEOPLE  are not looking for a free ride as many keep saying, we are looking for fairness, but courts have been giving the financial industry the equivalent of corporate welfare with each foreclosure sale. And in doing so they have actually stripped the true creditor from any collateralized claim and further stripped the true creditor from making any claim at all. The beneficiaries of this unfair and fraudulent system are obviously the banks.

 

WE THE PEOPLE believe that with proper pleading and discovery, it may be revealed that One West lacks any ownership interest in the most all of their loans and lacks any authority to represent anyone with an ownership interest in the loan. Paper trial and fabrication of assignments don’t actually prove there was any money involved.

 

WE THE PEOPLE believe that the victims include many such as the investors, insurers, taxpayers, borrowers, and the Federal Reserve. Of course in the case of the Federal Reserve, it knows that it is a victim and that it is buying completely worthless paper (bonds) from the banks who have previously sold the same paper to others. The Federal Reserve knows that it is purchasing worthless bonds. But the Federal Reserve cannot say that the bonds are worthless because it would then be seen as quantitative easing which is inflationary.  The whole reason the money supply was expanded so much without inflation going wild is that the Federal Reserve was merely “buying bonds” and not just giving out money. But the bonds were completely worthless. So the truth is that the Federal Reserve was and still is giving out money in quantitative easing.

 

WE THE PEOPLE CHALLENGE EACH AND EVERYONE, INCLUDING THOSE  LISTED BELOW, TO FIGHT FOR OUR RIGHTS AT HOME AS OUR GREAT MILITARY FIGHTS FOR OUR RIGHTS ABROAD (and yours too???).

NO MORE LIP SERVICE; WE WANT REAL ACTION NOW; WE READ WHAT IS HAPPENING, WE DELVE DEEPER AND DON’T LIKE WHAT WE SEE.

WE THE PEOPLE ARE TAKING A STAND AND THIS IS JUST THE TIP OF THE ICEBERG. 

WE THE PEOPLE ARE THE ICEBERG--- ONE WEST IS THE TITANIC. AND WE INTEND FOR ONE WEST TO SUFFER THE SAME FATE AS THE TITANIC SINKING INTO OBLIVION. WE ARE ALL JOINING WITH JAMES BEEKMAN IN HIS LAWSUIT AGAINST ONE WEST BANK/INDYMAC MORTGAGE SERVICES.  SEE THE DETAILS BELOW.

 

James Beekman, a car washer, in Florida who has proof of dozens and dozens of violations of laws by One West Bank and its IndyMac Mortgage Servicing Division (forgeries, fraud, fake documents, repetitive lying, refusal to acknowledge payments, purposely “losing” payments so they can foreclose on properties, etc.)  with nearly 400 other victims from across the country who are willing to testify on his behalf as “having experienced the very same patterns of fraud at the hands of IndyMac.”  With his nominal funds, Mr. Beekman has been in litigation against One West Bank to protect his $40,000 duplex for a home for his permanently disabled wife.  Thus far, One West Bank has spent MORE THAN $80,000( CAN THIS BANK DO THE MATH HERE) $80K IN COSTS FOR A $40K ASSET, THAT MAKES NO FINANCIAL SENSE UNLESS OF COURSE YOU HAVE A SPECIAL DEAL TO GET BACK 80% OF THE ORIGINAL MORTGAGE PLUS INSURANCE PLUS THE HOUSE TO RE SELL) in defense costs, even replacing local counsel with hot shot counsel from another state that has close personal relationships with the judiciary as well as a reputation of blocking litigation with tricks (One West’s current out-house attorney is private practitioner, Rik Tozzi of Alabama.

 

Settlement discussions were initiated by OneWest Bank.  But Mr. Beekman knows the American democratic principles involved... the need to enforce the laws—to have enough punitive impact so that there are no more victims of pure outright fraud by OneWest CEO Steven Mnuchin’s operations.  CEO Mnuchin is the former Executive Vice President of Goldman Sachs (and is the son of the former Chairman of Goldman Sachs and his brother was a top executive of Bear Stearns).  You see---the Mnuchin family through Wall Street leadership participated in the “world destructive” derivatives/securities scam and presumably reaped huge financial gains inTier One pirating, and then went to the lower Second Tier...wherein the consequentially unemployed victims of the Tier One scam suddenly found their homes vulnerable and so Mr. Mnuchin reaped also the Second Tier of assets, those homes, regardless of complying with the real estate and financial laws...regardless of whether those homes qualified for home mortgage modifications that would have preserved families in their homes across the country.  Who is financing One West Bank that was founded by Steven Munchin?    Answer: International financier George Soros and Mike Dell’s (Dell Computers founder) investment group.  And Steve Mnuchin serves on such prestigious Boards of Directors as Sears Holding (which includes Sears and Kmart stores).  [The irony is that Mike Dell’s wife has established a charity in Austin, Texas that focuses on the needs of homeless children...and her husband is simultaneously making those children homeless by financing a fraud-based enterprise... And what is the sourcing of her funds for the “homeless children” charity?  Illegally foreclosed homes?]  

 

Boy does this smell like rotten fish! OF COURSE IT DOES-IF THE LAW WERE APPLIED AS IT SHOULD THE BIG BANKS WOULD BE CHARGED WITH MORTGAGE FRAUD, SECURITIES FRAUD AND WOULD HAVE TO PAY DAMAGES. 

 

The principles involved in this Beekman lawsuit include Mr. Beekman’s insistence on maintaining a civilization of laws, maintaining an unwavering commitment to Justice, respecting all people, and being vigilant in maintaining the sanctity of the heart of our democracy---the value of our votes. THERE ARE 400 PLUS OTHERS JOINING IN HERE AND MORE BEING ADDED EACH DAY; WE THE PEOPLE ARE MARCHING.

 

Amongst  other heroes are the over 400 homeowners who were victimized by One West Bank and IndyMac with the sophisticated fraud schemes but knew the difference between “right and wrong,” knew that our Democracy was imperiled and disappearing, and fought the corruption on their own, on their meager finances, with their last breaths.  They banded together over the internet to find insight as to the depth of the criminal activity and corruption of One West Bank and Indy Mac.  Go to www.indymaccomplaints.com  to access the unfinancedHeroes and Heroines who are fighting for America for the hundreds of millions of victims of the financial corruption.  God Bless one disabled woman in California, Rebecca, who knew how imperiled America was five years ago and stood her ground by starting up the website “indymaccomplaints” so the murkiness of understanding and confusion created by the repetitive fraudulent acts of One West Bank could be cleared up by information and experiences shared by the thousands of victims across the country.  There were clear patterns of intentional fraud, in every case.

 

Look how far One West Bank has reached in violating laws.  It turns your stomach.  One disabled woman in Colorado is losing her house to foreclosure by One West Bank on July 30, 2013 even though she has made all of her payments and has delivery proofs...and on top of that, she is in a “Victim Protection Program” that One West Bank and IndyMac have repeatedly and flagrantly violated by sending/faxing her location information to the abuser (from which she is supposed to be protected)—her brain injury as a permanent disability came from the abuser who IndyMac has been continually advising of her whereabouts and other intimate financial details, in total violation of the terms of Victim Protection in Colorado.  One West Bank and IndyMac repetitively defy the laws----- of contract, of finance, of victim protection, etc.  The victim of One West Bank, victimized on multiple levels,   

 

ARE YOU PROUD OF YOURSELF ONE WEST/INDYMAC STEVE MUNCHIN, JOSEPH OTTING, GEORGE SOROS, DO YOU CARE-WE DOUBT IT.  WHAT MAKES YOU SO SPECIAL THAT YOU CAN AVOID PROSECUTION? WE THE PEOPLE INTEND TO FIND OUT.

 

Even a Special Agent for the U.S. Secret Service, Ross Yerger, was put through the same fraud scheme of OneWest Bank. He made all of his payments and still One West Bank initiated foreclosure and sent mortgage statements rife with errors.  After 2 years of protracted litigation, in October 2012, a historic civil jury verdict in the District of Columbia found that One West Bank violated DC’s consumer protection law by breaching its contract and committing fraud against Mr. Yerger.  

 

Actual damages, punitive damages and attorney fees were awarded.  Yerger v. OneWest Bank, NO. 2011 CA 000706 in the Superior Court for the District of Columbia.  So even a member of the elite U.S. Secret Service was victimized by today’s version of the organized crime syndicate!  

 

THERE WE GO AGAIN, ONE WEST AND ITS EXECUTIVES AND FOUNDERS KEEP ON VIOLATING LAWS, ETHICS AND MORALS AND GETTING AWAY WITH IT – WHY?  WE WILL FIND OUT; WE WILL GET ANSWERS;

 

ARE YOU ALL SO SCARED OF THEM THAT YOU DARE NOT PUBLISH THIS?  WHAT IS THE HOLD THAT THEY HAVE OVER YOU ALL THAT MAKES YOU KEEP QUIET AND TRY TO STOP THE PUBLIC FINDING OUT ABOUT THE MASSIVE FRAUD? WE ARE NOT SCARED, WE ARE GOING FOR IT.

 

WE THE PEOPLE ARE SPEAKING LOUD AND CLEAR;

WE WILL NOT BE SILENCED!

 

Signed: Victims of One West Bank Fraud.