Court has begun!!! · The Subconscious Estate ™️

Court has begun!!!

I have always been one to express myself, and although I have often been misunderstood, I have benefited from doing so. I believe if you don't speak up, you've already lost, so I will always express myself...like it or not.

I did not know that the administrative process was a thing until joining this community, and I rock with it...going to court starts here on the paper. I am currently going through the administrative process, and here is the scenario: an original loan was transferred. I did not know this, but once I was notified, I knew it was the best thing to happen. Why, you ask? Because processes & rules need to be followed (usually ones we are not aware of, so lack of knowledge is how we perish).

15-day required notice (disclosure) by the seller was not sent, and I know this from the dates on their notices. They transferred my banking info without my permission, violating CFPB Autopay rules, NACHA rules, and the FTC Unfair Practices Act. They notified me after the transfer took place, which is illegal under RESPA §6 (12 U.S.C. 2605). The letter was signed not by a real person, so there was no responsible party, no bond, no oath, and no authority; this made it a noncommercial piece of mail with no liability. That is just for starters; there is so much more to unpack... this is what I am working on.

I will be getting them notarized and mailing all three packets today; the court has begun! I add receipts in a bit.

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