IN THE CIRCUIT COURT OF THE EIGHTEENTH JUDICIAL CIRCUIT OF FLORIDA, IN AND FOR BREVARD COUNTY

THE BANK OF NEW YORK MELLON, FKA THE BNK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF CWMBS, INC., ASSETBACKED CERTIFICATES, SERIES 2007-4, Plaintiff, v. JANE DOE; et. al.,

Case No.: 2012-CA-XXX

Defendant. ____________________________________________/ DEFENDANT JANE DOES ANSWER AND AFFIRMATIVE DEFENSES Defendant JANE DOE (Defendant) by and through the undersigned counsel, files this, her Answer and Affirmative Defenses. GENERAL ALLEGATIONS
1. 2.

Paragraph 1 is admitted. Paragraph 2 is admitted only insofar as the 18th Judicial Circuit in and For Brevard County, Florida has jurisdiction over mortgage foreclosure actions for real property located within Brevard County, Florida and denied as to the Courts subject matter jurisdiction over this mortgage based upon the lack of standing of the Plaintiff to bring this suit. Strict proof thereof is demanded.
1

3.

Paragraph 3 is denied. 15 U.S.C. 1692 requires that the name of the true creditor be stated. Paragraph 2 of the notice provided by the Plaintiff and attached to the Complaint is materially misleading as it states:

The creditor, or the servicing agent for the creditor, to whom the debt is owed is THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATE-HOLDERS OF CWABS, INC., ASSETBACKED CERTIFICATES, SERIES 2007-4. (emphasis added)
4.

Paragraph 4 is admitted only insofar as a promissory note and mortgage were executed on April 4, 2007. Defendants deny that a promissory Note and Mortgage were delivered to the payee named thereon. The remaining parts of paragraph 4 are denied for lack of knowledge.

5.

Paragraph 5 is denied. Mortgage Electronic Registration Systems, Inc., (hereafter, MERS) never had possession of the Note or Mortgage. MERS never had any interest in the Note and it never had a beneficial interest in the Mortgage. MERS assistant secretaries, Swarupa Slee and Ricki Aguilar, had no apparent authority or actual authority to execute the Assignment of Mortgage. The Assignment of Mortgage is ineffective as it purports to assign an interest of Americas Wholesale Lender and not the true lender on the Mortgage, which is Americas Wholesale Lender, Inc.

6.

Paragraph 6 is denied. Plaintiffs Assignment of Mortgage indicates a date of transfer to the Plaintiff of May 11, 2011. Bank of America, N.A. is not the holder as Plaintiff did not transfer the Note and Mortgage to Bank of America, N.A. The closing date for the trust was March 29, 2007. (http://www.secinfo.com/drjtj.u34e.d.htm#5tr) The trustee acts ultravires in accepting a Note and Mortgage four years after the closing date of the trust. If the trust is a private trust, it could not take and own the Note by way of a
2

blank indorsement. Pursuant to EPT. LAW 7-2.1: NY Code Section 72.1: Extent of trustees estate, subsection (c): A trust as described in sections 9-1.5, 9-1.6 and 9-1.7 of the estates, powers and trusts law, including a business trust as defined in subdivision two of section two of the general associations law, may acquire property in the name of the trust as such name is designated in the instrument creating said trust.
7. 8.

Paragraph 7 is admitted. Paragraph 8 is denied. Default never occurred as Plaintiff failed to provide the Defendant with written notice of Breach as required by paragraph 7 of the Note and paragraphs 15, 19 and 20 of the mortgage. Plaintiffs right to demand any payment or collect any payment from the Defendant is denied.

9.

Paragraph 9 is denied. Plaintiff failed to provide the Defendant with the prerequisite written notice of breach as required by paragraph 7 of the Note and paragraphs 15, 19 and 20 of the mortgage. Plaintiff failed to provide the Defendant with the written notice of acceleration as required by paragraphs 18 and 22 of the Mortgage.

10.

Paragraph 10 is denied. Plaintiff failed to plead sufficient ultimate facts to establish that it is entitled to enforce the Note and Mortgage. Paragraph 11 is denied. Plaintiff failed to provide Defendant with written notice of Breach as required by paragraph 7 of the Note and paragraphs 15, 19 and 20 of the mortgage and with written notice of acceleration as required by paragraphs 18 and 22 of the Mortgage. Plaintiff also failed to provide the Defendant with written notice a change of the loan servicer is required by 15 U.S.C. 1641(g), 24 C.F.R. 3500.21 (d) and by paragraph 20 of the mortgage which states:

11.

If there is a change of the loan servicer, borrower will be given written notice of the change which will state the name and address of the new loan servicer, the
3

address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing.
12. 13. 14. 15. 16. 17. 18.

Paragraph 12 is denied for lack of knowledge. Paragraph 13 is denied. Paragraph 14 is denied for lack of knowledge. Paragraph 15 is denied for lack of knowledge. Paragraph 16 is denied for lack of knowledge. Paragraph 17 is denied for lack of knowledge. Paragraph 18 is denied. AFFIRMATIVE DEFENSES FACTS RELEVANT TO AFFIRMATIVE DEFENSES Note: The term Plaintiff refers to Plaintiff, its servicers and agents. PLAINTIFF CAUSED ALLEGED DEFAULT Defendant was originally responsible for paying her own property insurance and taxes without an escrow. The mortgage required the Defendant to maintain insurance on the property.

19.

I.
20.

21.

Prior to the alleged date of default of October 1, 2010, Defendants home insurance company was Citizens Property Insurance Corporation located at 6676 Corporate Center Parkway, Jacksonville, Florida 32216-0973. Her policy number was FRXXX-XX-XXX and her policy period renewed on March 2 of each year and the monthly amount of insurance cost was $164.00. (Exhibit A) Defendants 2011 property taxes were a total of $377.34, which equates to a monthly payment of $31.45. (Exhibit B) The total monthly amount due for taxes and insurance on the subject property was $195.45.

22.

Prior to the alleged date of default, Defendant contacted Bank of America and asked for a loan modification application. The Plaintiffs agents told her that she would have to stop paying her mortgage if she wanted to qualify for a
4

loan modification and that they would send her an application for a loan modification through the U.S. Mails. Based simply on her request for the application, the Plaintiff unilaterally began forced-placed escrow of a sum for insurance and taxes at an additional $400 per month. Defendants monthly mortgage payment was raised by the Plaintiff from $981.07 to $1,350.32.
23.

Defendant was unable to pay the new higher monthly mortgage amount that Plaintiff unilaterally imposed upon her. IN COLLECTING THE DEBT THE PLAINTIFF SENT TO THE DEFENDANT FALSE AND MISLEADING STATEMENTS Defendant received the loan modification packet, filled it out and returned it to the Plaintiff. On May 2, 2011, Plaintiff sent to Defendant a very disturbing and extremely misleading letter stating that she had been denied for a loan modification and that she had to leave the house. This statement that she had to leave her house was repeated in the letter. (Exhibit C)

II.

24.

25.

Plaintiff then sent Defendant another false and misleading letter indicating she was in default for not having insurance. PLAINTIFF SENT TO DEFENDANT MATERIALLY FALSE INFORMATION ABOUT THE OWNER OF THE NOTE IN VIOLATION OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT AND THE FLORIDA ACT On or about December, 2010, Defendant sent a Qualified Written Request pursuant to RESPA to the Plaintiff. On January 28, 2011, Plaintiff responded to the Defendants Qualified Written Request and provided her with several copies of the Note. Of these copies, one is entitled Original and two more are entitled True and Certified Copy. None of these copies of the Note carry an indorsement. (Exhibit D)

III.

26.

27.

Plaintiff attached to its Complaint a copy of a Note with an indorsement in blank from Countrywide Home Loans, Inc. Plaintiff also attached to its Complaint an Assignment of Mortgage that purports to also transfer the Note. This assignment is from MERS to Plaintiff and is dated May 11, 2011.

28.

The copy of the original Note that Plaintiff sent to Defendant on January 28, 2011 did not have an indorsement. Therefore, the indorsement was added after January 28, 2011 and most likely the date it was added was May 11, 2011 when MERS allegedly transferred the Note and Mortgage to Plaintiff.

29.

MERS is not an agent of Countrywide Home Loans, Inc., and its transfer of the Note to Plaintiff is a materially false and misleading statement. Additionally, MERS had no authority to brand the Note with a blank indorsement of Countrywide Home Loans, Inc. Such branding was done as a forgery and a fraud upon the Court and Defendant.

30.

Additionally, Plaintiff states that it is the Creditor that owns the Note and Mortgage. However, Plaintiff attached to its Complaint a letter allegedly in compliance with the Federal Debt Collection Practices Act. This letter is on letterhead from Plaintiffs counsel, Johnson & Freedman, LLC. The letter is materially false and misleading as it does not state clearly the name of the creditor to whom the debt is owed. The letter states This Notice is required by the Fair Debt Collection Practices Act (the Act), 15 U.S.C. sec. 1692 et seq.. Paragraph 2 of that letter states:

The creditor, or the servicing agent for the creditor, to whom the debt is owed is THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK, AS TRUSTEE FOR THE CERTIFICATE-HOLDERS OF CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 2007-4.
31.

The named lender on the Note is different from the named lender on the Mortgage. The lender on the Note is Americas Wholesale Lender,
6

however, the Mortgage states that the Lender is Americas Wholesale Lender, a corporation organized and existing under the laws of New York. The Note contains an indorsement from Countrywide Home Loans, Inc. A New York Corporation Doing Business As Americas Wholesale Lender.
32.

A review of the New York Secretary of State website shows that Americas Wholesale Lender is a corporation, but it doesnt state that Countrywide Home Loans, Inc. is doing business as either Americas Wholesale Lender or as Americas Wholesale Lender, Inc. (Exhibits E and F) Americas Wholesale Lender is a different entity from Americas Wholesale Lender, Inc.

IV.

PLAINTIFF TRUSTEE IS PROHIBITED BY THE EXPRESS TERMS OF THE TRUST FROM OWNING THE NOTE BECAUSE TRANSFER OCCURRED FAR AFTER THE CLOSING AND CUT-OFF DATE Defendant has established that the Note was given a blank indorsement after January 28, 2011 and that such indorsement was not made by Countrywide Home Loans, Inc., but instead by MERS on or about May 11, 2011, and that MERS had no authority to brand the Note with a blank indorsement of Countrywide Home Loans, Inc. Such branding was done as a forgery and a fraud upon the Court and Defendant.

33.

34. Plaintiff is a trustee of a written trust which was registered with the U.S.

Securities and Exchange Commission and is found at http://www.secinfo.com/drjtj.u34e.d.htm#5tr. The terms of the trust are stated in the Pooling and Servicing Agreement. (hereafter, PSA) The trust is governed by New York law and as such, the trustee is prevented from accepting any Notes after the trusts closing/cut-off date. Additionally, the trust requires that if a MERS owned loan is transferred to the trustee, that all

intervening indorsements - such as from the depositor - must be on the Note.1 The Note does not carry any such required intervening indorsements.
35.

Section 10.03 of the PSA states: Governing Law.

THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE SUBSTANTIVE LAWS OF THE STATE OF NEW YORK APPLICABLE TO AGREEMENTS MADE AND TO BE PERFORMED IN THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HERETO AND THE CERTIFICATEHOLDERS SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.
36.

The PSA describes the various entities that would take ownership of the mortgage loans and their roles:

POOLING AND SERVICING AGREEMENT, dated as of March 1, 2007, by and among CWABS, INC., a Delaware corporation, as depositor (the "Depositor"), COUNTRYWIDE HOME LOANS, INC., a New York corporation, as seller ("CHL" or a "Seller"), PARK MONACO INC., a Delaware corporation, as a seller ("Park Monaco" or a "Seller"), PARK SIENNA LLC, a Delaware limited liability company, as a seller ("Park Sienna" or a "Seller", and together with CHL and Park Monaco, the "Sellers"), COUNTRYWIDE HOME LOANS SERVICING LP, a Texas limited partnership, as master servicer (the "Master Servicer"), and THE BANK OF NEW YORK, a New York banking corporation, as trustee (the "Trustee"). PRELIMINARY STATEMENT [to be revised by tax counsel]The Depositor is the owner of the Trust Fund that is hereby conveyed to the Trustee in return for the Certificates. The Trust Fund (excluding the Credit Comeback Excess Account, the Carryover Reserve Fund, the
1

Real Estate Mortgage Investment Conduit pursuant to section 860 of the Code.
8

assets held in the Pre-Funding Account and the Capitalized Interest Account and the Trust Fund's rights with respect to payments received under the Corridor Contract) for federal income tax purposes will consist of two REMICs (the"Subsidiary REMIC" and the "Master REMIC"). Each Certificate, other than the Class A-R Certificate, will represent ownership of one or more regular interests in the Master REMIC for purposes of the REMIC Provisions. The Class A-R Certificate represents ownership of the sole class of residual interest in the Subsidiary REMIC and the Master REMIC. The Master REMIC will hold as assets the several classes of uncertificated Subsidiary REMIC Interests (other than the SR-R Interest). Each Subsidiary REMIC Interest (other than the SR-R Interest) is hereby designated as a regular interest in the Subsidiary REMIC. The Subsidiary REMIC will hold as assets all property of the Trust Fund (excluding the Credit Comeback Excess Account, the Carryover Reserve Fund, the assets held in the Pre-Funding Account and the Capitalized Interest Account and the Trust Fund's rights with respect to payments received under the Corridor Contract). The latest possible maturity date of all REMIC regular interests created in this Agreement shall be the Latest Possible Maturity Date.
37.

The PSA defines the following terms:

Closing Date: March 29, 2007. Depositor: CWABS, Inc., a Delaware corporation, or its successor in interest. Initial Cut-off Date: In the case of any Initial Mortgage Loan, the later of (x) March 1, 2007 and (y) the date of origination of such Mortgage Loan. Initial Mortgage Loan: A Mortgage Loan conveyed to the Trustee on the Closing Date pursuant to this Agreement as identified on the Mortgage Loan Schedule delivered to the Trustee on the Closing Date. Trustee: The Bank of New York, a New York banking corporation, not
9

in its individual capacity, but solely in its capacity as trustee for the benefit of the Certificateholders under this Agreement, and any successor thereto, and any corporation or national banking association resulting from or surviving any consolidation or merger to which it or its successors may be a party and any successor trustee as may from time to time be serving as successor trustee hereunder.
38.

Section 2.01(g) of the PSA states:

(g) In connection with the transfer and assignment of each Mortgage Loan, the Depositor has delivered to, and deposited with, the Trustee (or, in the case of the Delay Delivery Mortgage Loans, will deliver to, and deposit with, the Trustee within the time periods specified in the definition of Delay Delivery Mortgage Loans) (except as provided in clause (vi) below) for the benefit of the Certificateholders, the following documents or instruments with respect to each such Mortgage Loan so assigned (with respect to each Mortgage Loan, clause (i) through (vi) below, together, the "Mortgage File" for each such Mortgage Loan): (i) the original Mortgage Note, endorsed by manual or facsimile signature in blank in the following form: "Pay to the order of ________________ without recourse", with all intervening endorsements that show a complete chain of endorsement from the originator to the Person endorsing the Mortgage Note (each such endorsement being sufficient to transfer all right, title and interest of the party so endorsing, as noteholder or assignee thereof, in and to that Mortgage Note), or, if the original Mortgage Note has been lost or destroyed and not replaced, an original lost note affidavit, stating that the original Mortgage Note was lost or destroyed, together with a copy of the related Mortgage Note and all such intervening endorsements;
39.

New York law provides that any transfers beyond the stated powers of the trust are void. If the trust is expressed in the instrument creating the estate of the trustee, every sale, conveyance, or other act of the trustee in
10

contravention of the trust, except as authorized by this article and by any other provision of law, is void. McKinney's Consolidated Law of New York Annotated, Estates Powers and Trust Laws, section 7-2.4 (2003); see Allison & Ver Valen Co. v. McNee, 9 N.Y.S. 2D 708 (N.Y. Sur. 1939).
40.

Florida law provides that the respective powers of a Trustee must be interpreted by the Plan Documents, especially the Trust Agreement. Celotex Corp. v. City of New York, 487 F.3d 1320 (11th Cir. 2007) From the trust, the trustee derives the rule of his conduct, the extent and the limit of his authority, the measure of his obligation. Jones v. First Nat'l Bak in Fort Lauderdale, 226 So. 2D 834, 835 (Fla. Dist. Ct. App. 1969) The trustee can properly exercise powers and only such powers as (a) are conferred upon him in specific words by the terms of the trust, or (b) are necessary or appropriate to carry out the purposes of the trust and are not forbidden by the terms of the trust. Restatement (Second) of Trusts, Section 186 (1959).

41. The closing date is also known as the start-up date of each Trust REMIC

within the meaning of Section 860G(a)(9) of the Code. sale and not a pledge. (PSA Section 10.04)

The PSA states that

the Trustee received all the mortgage loans by the Closing Date as an absolute The REMIC must purchase the mortgage loan within three months of the start-up date. (IRC section 860G(a) (3)(A)(i)-(ii)(2006)). If a mortgage loan is contributed after the three month window, it must qualify as a qualified replacement mortgage. (IRC 860G(a)(4)(A)-(B)(2006)). A qualified replacement must be traded for a defective obligation and may note be conducted more than two years after the start-up date. 26 U.S.C. 860G(a)(4)(B)(ii)(2006)). 2
42.

The transfer of the note and mortgage to the trustee was illegal and void because the attempted transfer was more that four years after the closing

The IRS imposes a 100% tax on net income derived from prohibited transactions. (26 U.S.C. 860F(a)(1)) 11

date/cut-off date. By operation of the Pooling and Servicing Agreement and New York law, the Plaintiff cannot own the Note and doesnt own the Note.
43.

If the trust subsequently became a private trust, it too is prevented from taking a note in blank by New York law. EPT. LAW 7-2.1: NY Code Section 72.1 provides: Extent of trustees estate, subsection (c)

A trust as described in sections 9-1.5, 9-1.6 and 9-1.7 of the estates, powers and trusts law, including a business trust as defined in subdivision two of section two of the general associations law, may acquire property in the name of the trust as such name is designated in the instrument creating said trust.
44.

Notes endorsed in blank can not lawfully be an asset of a private mortgage backed security (MBS) Trust established under New York trust law. PLAINTIFF IS NOT THE HOLDER OF THE NOTE The original mortgagee was Mortgage Electronic Registration Systems, Inc. until it assigned both the Mortgage and the Note on May 11, 2011 to Plaintiff by way of an Assignment of Mortgage. Plaintiff pled that the Note and Mortgage were assigned to Plaintiff. (Complaint, para. 5; (Mortgage, page 1, para. C; See also, Assignment of Mortgage)

V. 45.

46.

MERS did not own or possess the Note and did not own a beneficial interest in the Note. MERS could not and did not pass an interest in the Note to the Plaintiff.

VI. 47.

NO AUTHORITY TO INDORSE NOTE The indorsement on the Note was signed by Michele Suolander, allegedly as executive vice president. MERS had no authority to have Ms. Suolander execute an indorsement on the Note on behalf of Countrywide Home Loans, Inc. and Ms. Soulander was not an employee with Countrywide Home Loans, Inc. Countrywide Home Loans, Inc. did not have a corporate resolution or
12

by-law that authorized Ms. Suolander, as executive vice president to transfer an interest in the Note.
VII. LACK OF NOTICE OF BREACH 48.

The Note requires that notice must be given to the borrowers by first class mail or by delivery to the property address. (Complaint, Note, para. 7) The Mortgage requires written notice must be given to the borrowers in writing by first class mail or delivered to the property address. (Complaint, Mortgage, para. 15)

49.

50.

Paragraph 19 of the mortgage explains that notice provides the borrower with an opportunity to cure. (Complaint, Mortgage, para. 19) The mortgage provides a covenant and a condition that no suit may be commenced until after the notice of breach is given. Paragraph 20 of the mortgage provides in relevant part:

51.

Neither the Borrower nor Lender may commence, join, or be joined to any judicial action (as either an individual litigant or the member of a class) that arises from the other partys actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument, until such Borrower or Lender has notified the other party (with such notice given in compliance with the requirements of Section 15) of such alleged breach and afforded the other party hereto a reasonable period after the giving of such notice to take corrective action.
52.

Plaintiff did not plead that it provided the Defendant with notice of breach, nor did it attach notice of breach to its complaint. LACK OF NOTICE OF ACCELERATION Paragraph 18 of the mortgage provides in relevant part:

VIII. 53.

The notice [of acceleration]shall provide a period of not less than 30 days from the date the notice [of breach] is given in accordance with Section 15 within which
13

Borrower must pay all sums secured by this Security Instrument.

54.

Paragraph 22 of the mortgage provides in relevant part:

Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify (a) the default, (b) the action required to cure the default, (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured, and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure.
55.

Plaintiff did not plead that it provided the Defendant with notice of acceleration, nor did it attach notice of acceleration to its complaint. LACK OF NOTICE OF CHANGE OF LOAN SERVICER Written notice of a change of the loan servicer is required by 15 U.S.C. 1641(g), 24 C.F.R. 3500.21 (d) and by paragraph 20 of the mortgage which states:

IX. 56.

If there is a change of the loan servicer, borrower will be given written notice of the change which will state the name and address of the new loan servicer, the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. 15 U.S.C. 1641(g) requires: (1) In general

14

In addition to other disclosures required by this subchapter, not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer, including (A) the identity, address, telephone number of the new creditor; (B) the date of transfer; (C) how to reach an agent or party having authority to act on behalf of the new creditor; (D) the location of the place where transfer of ownership of the debt is recorded; and (E) any other relevant information regarding the new creditor. 24 C.F.R. 3500.21(d) states: Notices of Transfer; loan servicing. (1) Requirement for notice. (i) Except as provided in this paragraph (d)(1)(i) or paragraph (d)(1)(ii) of this section, each transferor servicer and transferee servicer of any mortgage servicing loan shall deliver to the borrower a written Notice of Transfer, containing the information described in paragraph (d)(3) of this section, of any assignment, sale, or transfer of the servicing of the loan. The following transfers are not considered an assignment, sale, or transfer of mortgage loan servicing for purposes of this requirement if there is no change in the payee, address to which payment must be delivered, account number, or amount of payment due: (A) Transfers between affiliates; (B) Transfers resulting from mergers or remains the same. .... (2) Time of notice. (i) Except as provided in paragraph (d)(2)(ii) of this section: (A) The transferor servicer shall deliver the Notice of Transfer to the borrower not
15

acquisitions of servicers or

subservicers; and (C) Transfers between master servicers, where the subservicer

less than 15 days before the effective date of the transfer of the servicing of the mortgage servicing loan; (B) The transferee servicer shall deliver the Notice of Transfer to the borrower not more than 15 days after the effective date of the transfer; and (C) The transferor and transferee servicers may combine their notices into one notice, which shall be delivered to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage servicing loan. (ii) The Notice of Transfer shall be delivered to the borrower by the transferor servicer or the transferee servicer not more than 30 days after the effective date of the transfer of the servicing of the mortgage servicing loan in any case in which the transfer of servicing is preceded by:(A) Termination of the contract for servicing the loan for cause; (B) Commencement of proceedings for bankruptcy of the servicer; or (C) Commencement of proceedings by the Federal Deposit Insurance . . .
57.

Plaintiff did not plead that the loan servicer changed to either Plaintiff or to Bank of America, N.A., nor did it plead that it gave notice of a change in the loan servicer to the Defendant, nor did it attach notice of a change of the loan servicer to its Complaint. FIRST AFFIRMATIVE DEFENSE Fraud The plaintiff intentionally represented to the Court and Defendant that it has a legitimate right to enforce the debt and that it owns and holds the original promissory Note along with an original Mortgage.

58.

59.

At the time the Plaintiff filed the foreclosure action, it and its agents and attorneys knew that it did not have the right to enforce the Note and Mortgage and that the assignment of mortgage was fraudulently created to give the illusion of legitimacy in pursuing this action.

16

60.

This misrepresentation was made with the intent that the Court and Defendant would rely thereon, and the Court and defendant have relied thereon. The Defendant has been harmed in that this action has resulted in destruction of credit, denial of loan applications, loss of investment and business opportunities, financial hardship of defending this action, and mental and emotional distress.

61.

Where "a party has sentiently set in motion some unconscionable scheme calculated to interfere with the judicial system's ability to impartially adjudicate a matter by improperly influencing the trier of fact or unfairly hampering the presentation of the opposing party's claim or defense." Cox v. Burke, 706 So.2d 43, 46 (Fla. 5th DCA 1998).

62.

Trial courts have "the right and obligation to deter fraudulent claims from proceeding in court." Savino v. Fla. Drive In Theatre Mgmt., Inc., 697 So.2d 1011, 1012 (Fla. 4th DCA 1997). This is because "[o]ur courts have often recognized and enforced the principle that a party who has been guilty of fraud or misconduct in the prosecution or defense of a civil proceeding should not be permitted to continue to employ the very institution it has subverted to achieve [its] ends." Hanono v. Murphy, 723 So.2d 892, 895 (Fla. 3d DCA 1998). Where a party perpetrates a fraud on the court which permeates the entire proceedings, dismissal of the entire case is proper. Desimone v. Old Dominion Ins. Co., 740 So.2d 1233, 1234 (Fla. 4th DCA 1999). SECOND AFFIRMATIVE DEFENSE Unclean Hands

63.

The Plaintiff is pursuing this foreclosure under a guise of authority it does not have. A foreclosure action is an equitable proceeding which may be denied if the holder of the Note comes to the court with unclean hands or the
17

foreclosure would be unconscionable. Knight Energy Services, Inc. v. Amoco Oil Co., 660 So.2d 786, 789 (Fla. 4th DCA 1995).
64.

The Florida Supreme Court held that while [m]ere notions or concepts of natural justice of a trial judge which are not in accord with established equitable rules and maxims may not be applied in rendering a judgment, relief from a foreclosure action may be provided where the Mortgagee failed to perform some duty upon which the exercise of his right to accelerate was conditioned. David v. Sun Federal Sav. & Loan Ass'n, 461 So.2d 93, 95-6 (Fla., 1984). THIRD AFFIRMATIVE DEFENSE Plaintiffs Lack of Standing to Bring This Action The Plaintiff does not own or hold the promissory note and mortgage, is not entitled to enforce same under 673.3011 Fla. Stat., and lacks standing to bring this action against the Defendant. Plaintiff Trustee had no legal authority to accept a mortgage loan after the closing date of the Pooling and Serving Agreement and therefore, does not own the mortgage loan. Transfers of the Note and Mortgage were not in accord with the requirements of the Pooling and Servicing Agreement and the indorsement on the Note is not authorized and fraudulent.

65.

66.

The fraudulent assignment of mortgage did not transfer an interest in the Note to the Plaintiff. Plaintiff failed to plead sufficient ultimate facts to support standing and failed to plead the specific subdivision of 673.3011 Fla. Stat. which grants it authority as a holder. FOURTH AFFIRMATIVE DEFENSE Failure to State a Cause of Action

67.

18

68.

A party does not state a cause of action by merely reciting legal conclusions or tracking statutory language, but must include factual allegations. Ginsberg v. Lennar Fla. Holdings, Inc., 645 So. 2D 490, 501 (Fla. 3d DCA 1994); Becerra v. Equity Imports, 551 So.2d 486, 487-88 (Fla. 3d DCA 1989). Failure to state sufficient factual allegations therefore requires dismissal of the claim.

69.

The Plaintiffs complaint is a complete and utter fraud upon the Court and the Defendant. The Plaintiff cannot state a cause of action as it has no authority to enforce the subject promissory Note and Mortgage. FIFTH AFFIRMATIVE DEFENSE Unauthentic and Unauthorized Signatures Fla. 673.3081 Defendant denies the authenticity of each and every indorsement on the Note and Mortgage, including their own alleged indorsements, and demand strict proof thereof, by clear and convincing evidence, pursuant to 673.3081, Fla. Stat. (2011).

70.

71.

On information and belief, the Plaintiff does not have the original promissory note executed by the Defendant, does not have access to same, and any reproductions of the alleged original promissory note constitute unauthentic signatures. On information and belief, the Plaintiff cannot authenticate the signatures. SIXTH AFFIRMATIVE DEFENSE Violation of 15 U.S.C. 1692 et. seq. The Plaintiff knew that it was collecting a debt it had no right to collect. Defendant are consumers within the meaning of the FDCPA, 15 U.S.C. 1692a(3). Plaintiff and its agents and attorneys are debt collectors within the meaning of the FDCPA, 15 U.S.C. 1692a(6).

72. 73.

19

74.

The plaintiff, its agents and attorneys violated 15 U.S.C. 1692d by engaging in conduct the natural consequence of which is to harass, oppress, or abuse any person, and which did harass, oppress and abuse the Defendant by falsely representing the character, amount, or legal status of the debt (15 U.S.C. 1692e(2)); by sale or transfer of an interest in the debt that caused the consumer to lose any claim or defense to payment of the debt, and in particular, by obfuscation of the true creditor (15 U.S.C. 1692e(6)); by communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed (15 U.S.C. 1692e(8)); by the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer (15 U.S.C. 1692e(10)); by the collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law (15 U.S.C. 1692f(1)); by taking or threatening to unlawfully repossess or disable the consumers property (15 U.S.C. 1692f(6)); by, within five days after the initial communication with defendant in connection with the collection of any debt, failing to send defendant a written notice containing a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and a statement that, upon the
20

consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor (15 U.S.C. 1692g).
75.

Plaintiff violated provisions of the Federal Fair Debt Collection Practices Act at 15 USC 1692, et. seq. because it did not have any right to enforce collection of this Mortgage and Note because it did not have standing, it did not comply with all conditions precedent, it has no legally enforceable claim against the Defendant, it did not comply with the contract requirements for acceleration, it had unclean hands, it harmed the credit of defendant, it sent dunning letters to the defendant and it falsely misrepresented to her that she had to leave the home and it falsely misled her as to the name of the true creditor. SEVENTH AFFIRMATIVE DEFENSE Violation of Florida Consumer Collection Practices Act F.S. 559.72, et. seq. F.S. 559.72(9) provides (in pertinent part): Prohibited practices generally. In collecting consumer debts, no person shall: (9) Claim, attempt, or threaten to enforce a debt when such person...assert(s) the existence of some other legal right when such person knows that the right does not exist.

76.

77.

The Plaintiff knew that it was collecting a debt it had no right to collect, it falsely misrepresented to her that she had to leave the home and it falsely misled her as to the name of the true creditor . The Florida Consumer Practices Act (FCCPA, F.S. 559.552) provides protection for consumers in foreclosure. The FCCPA prohibits the Plaintiff from collecting the underlying consumer mortgage debt involved in this
21

78.

action by asserting its right to foreclose when the Plaintiff knows that such right does not exist.
79.

The FCCPA applies to anyone attempting to collect a consumer debt unlawfully and F.S. 559.72 "includes all allegedly unlawful attempts at collection of consumer claims." Seaton Jackson v. Wells Fargo Homemortgage, Inc., 12 Fla. L. Weekly Supp. 188 (Fla. 6th Circuit 2004) citing Williams v. Streeps Music Co., Inc., 333 So. 2d 65 (Fla. 4th DCA 1976) See also, Hart v. GMAC Mortgage Corporation, 246 B.R. 709 (D. Mass. 2000)(Debtor stated a cause of action under the FDCPA where continuation of foreclosure proceedings amounted to conduct "the natural consequence of which was to harass, oppress, or abuse") Plaintiff, its agents and attorneys had actual knowledge that the written statements as to alleged ownership of the Defendant mortgage loan by plaintiff, the written statements as to the assignment of mortgage, the legal entitlement to demand monies from Defendant and institute foreclosure proceedings were false statements of material fact which were false when made and known by said Plaintiff to be false when made.

80.

As a direct and proximate result of the actions of the plaintiff, its agents and attorneys, the defendant suffered significant damages. EIGHTH AFFIRMATIVE DEFENSE Abuse of Process The Plaintiff knew that it was collecting a debt it had no right to collect. Plaintiff, its agents and attorneys made an illegal, improper, or perverted use of process and had an ulterior motive or purpose in exercising the illegal, improper or perverted process. Plaintiff, its agents and attorneys had no legal justification to bring an action to try to foreclose upon Defendant property and

81. 82.

22

Defendant were injured as a result of the actions of plaintiff, its agents and attorneys. NINTH AFFIRMATIVE DEFENSE Lack of Capacity
83.

The Plaintiff has not identified what it is, how it has legal existence, where its principal place of business is located and that it is registered to do business in the State of Florida.

84.

Plaintiff has failed to properly plead, describe or identify its legal identity, authority and capacity to sue and therefore show the jurisdiction of this court under Fla. R. Civ. P. 1.120.

85.

A negative averment as to capacity is the normal rule for pleading such issues pursuant to Florida Rules of Civil Procedure, 1.120(a) and 1.110(b), except when capacity affects the jurisdiction of the court. Capacity to sue is an absence or a legal disability which would deprive a party of the right to come into court. 59 Am.Jur.2d Parties, 31, (1971). This is in contrast to standing which requires that a party have a sufficient interest in the outcome of litigation to warrant the court's consideration of it's position. Keehn v. Joseph C. Mackey and Co., 420 So.2d 398 (Fla. App. 4 Dist., 1982).

86.

In Altamonte Hitch & Trailer v. U-Haul, 498 So.2d 1346 (Fla. 5th DCA 1986), the Court stated:

The general rule is that the body of the complaint, and not the caption, determines who is a party to the action. Weavil v. Myers, 243 N.C. 386, 90 S.E.2d 733 (1956); Motor Credit Corp. v. Ray Guy's Trailer Court, Inc., 6 N.J. Super. 563, 70 A.2d 102 (1949); and Morisse v. Billau, 70 Ohio App. 215, 45 N.E.2d 798 (1941). The naming of an individual or entity in the caption is not a sufficient basis to warrant inclusion in the action if the party is not mentioned in the body of the complaint. TENTH AFFIRMATIVE DEFENSE
23

Failure to comply with Paragraphs 15 and 20 of Mortgage

87.

Plaintiff failed to provide notice of an assignment of the Mortgage or change of the loan servicer. Paragraphs 15 and 20 of the mortgage provide that the Lender must provide notice of an assignment of the mortgage. Plaintiff failed to provide that notice in violation of paragraphs 15 and 20 of the Mortgage. ELEVENTH AFFIRMATIVE DEFENSE Failure to comply with Florida Statute 559.715 Plaintiff failed to provide notice of an assignment of the Mortgage or change of the loan servicer. Florida Statutes section 559.715 provides An assignee of a mortgage and note must give the debtor written notice of such assignment within thirty (30) days after the assignment. TWELFTH AFFIRMATIVE DEFENSE

88.

Violation of Federal Truth in Lending Act (TILA), 15 U.S.C. 1641

89.

Plaintiff failed to provide notice of an assignment of the Mortgage or change of the loan servicer. 15 U.S.C. 1641(g) requires:

(1) In general In addition to other disclosures required by this subchapter, not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer, including (A) the identity, address, telephone number of the new creditor; (B) the date of transfer; (C) how to reach an agent or party having authority to act on behalf of the new creditor; (D) the location of the place where transfer of ownership of the debt is recorded; and (E) any other relevant information regarding the new creditor.
24

90.

Plaintiff, its agents and attorneys failed to provide Defendants with notice of an assignment of the Mortgage or change of the loan servicer. in violation of 15 U.S.C. 1641(g). THIRTEENTH AFFIRMATIVE DEFENSE Lack of Notice of Assignment, Sale or Transfer of Servicing [24 C.F.R. 3500.21] Plaintiff failed to provide notice of an assignment of the Mortgage or change of the loan servicer. The servicing of the subject mortgage loan had changed and no notice of a change of the servicer was provided by the Plaintiff to the Defendant as required by 24 C.F.R. 3500.21(d), which provides:

91.

Notices of Transfer; loan servicing. (1) Requirement for notice. (i) Except as provided in this paragraph (d)(1)(i) or paragraph (d)(1)(ii) of this section, each transferor servicer and transferee servicer of any Mortgage servicing loan shall deliver to the borrower a written Notice of Transfer, containing the information described in paragraph (d)(3) of this section, of any assignment, sale, or transfer of the servicing of the loan. The following transfers are not considered an assignment, sale, or transfer of Mortgage loan servicing for purposes of this requirement if there is no change in the payee, address to which payment must be delivered, account number, or amount of payment due: (A) Transfers between affiliates; (B) Transfers resulting from mergers or acquisitions of servicers or subservicers; and (C) Transfers between master servicers, where the subservicer remains the same. .... (2) Time of notice. (i) Except as provided in paragraph (d)(2)(ii) of this section: (A) The transferor servicer shall deliver the Notice of Transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the Mortgage servicing loan; (B) The transferee servicer shall deliver the Notice of
25

Transfer to the borrower not more than 15 days after the effective date of the transfer; and (C) The transferor and transferee servicers may combine their notices into one notice, which shall be delivered to the borrower not less than 15 days before the effective date of the transfer of the servicing of the Mortgage servicing loan. (ii) The Notice of Transfer shall be delivered to the borrower by the transferor servicer or the transferee servicer not more than 30 days after the effective date of the transfer of the servicing of the Mortgage servicing loan in any case in which the transfer of servicing is preceded by: (A) Termination of the contract for servicing the loan for cause; (B) Commencement of proceedings for bankruptcy of the servicer; or (C) Commencement of proceedings by the Federal Deposit Insurance . . . FOURTEENTH AFFIRMATIVE DEFENSE Lack of Notice of Breach (Default) and Acceleration
92.

The plaintiff failed to provide the Defendant with either notice of breach or adequate notice of breach as required by paragraph 6 and 7 of the Note and paragraphs 15, 18, 19, 20 and 22 of the Mortgage and as required by 24 C.F.R. 3500.21 and 24 CFR 203.604.

93.

The issue of a lack of a notice of default is a material fact sufficient to defeat summary judgment. Morrison v. U.S. Bank, N.A., 36 Fla. L. Weekly D1646 (Fla. 5th DCA July 29, 2011) A default notice from the "lender" is a condition precedent prior to filing a complaint. Amedas v. Brown, 505 So.2d 1091 (Fla. 2nd DCA 1987); Dykes v Trustbank Savings. F.S,B., 567 So.2d 958 (Fla. 2nd DCA 1990); Gomez v. American Savings and Loan Ass`n, 515 So.2d 301 (Fla, 4th DCA 1987): Rashid v. Newberry Federal Savings and Loan Association, 502 So.2d 1316 (Fla. 3rd DCA 1987); Rashid v. Newberry Federal Savings and Loan Association, 526 So.2d 772 (Fla. 3rd DCA 1988). FIFTEENTH AFFIRMATIVE DEFENSE
26

Lack of Default
94.

Plaintiff has not and cannot show default as required pursuant to the Note and Mortgage. SIXTEENTH AFFIRMATIVE DEFENSE Failure to Produce Original Promissory Note Plaintiff does not have the right to enforce the original promissory note, nor does it have the original promissory note. A person seeking enforcement of a lost, destroyed or stolen instrument must first prove entitlement to enforce the instrument when the loss of possession occurred, or has directly or indirectly acquired ownership of the instrument from a person who was entitled to enforce the instrument when loss of possession occurred. Further, he must prove the loss of possession was not the result of a transfer by the person or a lawful seizure; and the person cannot reasonably obtain possession of the instrument because the instrument was destroyed, its whereabouts cannot be determined, or it is in the wrongful possession of an unknown person or a person that cannot be found or is not amenable to service of process. 673.3091 Fla. Stat. (2011). SEVENTEENTH AFFIRMATIVE DEFENSE Estoppel and F.S. 673.3051 Plaintiff caused the Defendant to default by unilaterally imposing an escrow when one was not required and by forcing the escrow of monthly sums that approximately 20% greater than the amount necessary to pay principal, interest, taxes and insurance.

95.

96.

97.

98.

The Defendant also assert the defense of Estoppel and Florida Statutes section 673.3051 for a different reason. The subject promissory Note is nonnegotiable paper. The Plaintiff is not a holder in due course and on information and belief, the original promissory Note is lost or stolen. Florida
27

law provides An obligor is not obliged to pay the instrument if the person seeking enforcement of the instrument does not have rights of a holder in due course and the obligor proves that the instrument is a lost or stolen instrument. 673.3051(3), Fla. Stat. (2011)
99.

The assignee of defaulted negotiable paper occupies the status of the holder of a nonnegotiable instrument. As to those occupying this status, the rule appears to be: There cannot be a holder in due course of a nonnegotiable instrument, and the doctrine of protecting a bona fide holder for value without notice and before maturity does not apply, no matter how widely or how narrowly the instrument may miss being negotiable or how the parties themselves may have regarded the instrument. Guaranty Mortg. & Ins. Co., v. Harris, 182 So. 2d 450, 453 (1st DCA 1966) (emphasis added). This concept is codified in 673.3021(1)(b)(3) which defines a Holder in Due Course as one who takes an instrument Without notice that the instrument is overdue or has been dishonored or that there is an uncured default with respect to payment of another instrument issued as part of the same series;. EIGHTEENTH AFFIRMATIVE DEFENSE Violation of Contractual Application of Payments Rendered by Defendant and Illegal Charges Added to Debt

100. Defendant asserts and alleges all other facts referenced in the previous

affirmative defenses and that plaintiff has added illegal charges to the alleged debt owed by the Defendant.
101. Additionally, on information and belief, plaintiff illegally added charges and

fees to the alleged debt owed by the Defendant including but not limited to interest, late charges, title search expense, attorneys fees and other necessary costs.

28

102. Defendant hereby allege the Plaintiff misapplied the payments which resulted

in an incorrect amortization and the imposition of unwarranted fees and costs. Specifically, Defendant alleges the Plaintiff, by use of its proprietary computer software and the proprietary computer software of each and every predecessor servicer, first applied payments to fees and costs assessed on this mortgage loan, then to principal, accrued interest and escrowed costs in violation of the Mortgage resulting in an incorrect amortization of this loan when fees and costs were assessed.
103. Defendant hereby demands a full disclosure of the proprietary computer

software, its methods, processes, prioritization, and application of all payments rendered by the Defendant on the mortgage loan during the entire life of the mortgage loan. Further, Defendant demand a corrected application of each and every payment in compliance with the contractual priority of the funds rendered by the Defendant on this account. NINETEENTH AFFIRMATIVE DEFENSE Failure to Include Necessary Party
104. The Plaintiff is not the real party in interest in that it is not the owner and

holder of the Note and Mortgage nor is it an agent of the owner and holder of the Note and Mortgage. The Plaintiff does not own and hold (have a right to enforce) the Note and Mortgage nor is it entitled to enforce the Note and Mortgage on behalf of the real owner and holder thereof. The Plaintiff has not included the real party in interest in this action. See Fund Title Note 22.02.03. TWENTIETH AFFIRMATIVE DEFENSE No Payment Supporting Subrogation
105. Plaintiff failed to pay any value for the note and mortgage, thus ensuring it is

not entitled to an equitable lien if one is requested. In the alternative, Plaintiff have been fully compensated by the sale, transfer, assignment or negotiation
29

of the instrument to an unidentified third party. Therefore, Plaintiff is not entitled to subrogation. TWENTY-FIRST AFFIRMATIVE DEFENSE Collateral Source Payments to Plaintiff
106. Defendant demands credit for and application of any and all collateral source

payments Plaintiff, its predecessors in interest, co-owners, trust beneficiaries, certificate holders, or any others associated with this Note and Mortgage have received or will be entitled to receive from any source whatsoever as a result of the default claimed, including credit default insurance, credit default swaps, whether funded directly by insurance and/or indemnity agreement or indirectly paid or furnished by means of federal (i.e. TARP funds) assistance on an apportioned basis for loans or groups of loans to which the subject mortgage loan of the action is claimed.
107. On information and belief, the Plaintiff purchased, acquired or otherwise

received the right to collect insurance on the subject note and mortgage or was otherwise insured against all losses and costs associated with enforcing the subject note and mortgage in the event of a default. On information and belief, the Plaintiff has actually collected full payment on the subject note and mortgage or will receive full payment for any delinquency including fees and costs association with enforcement of the note and mortgage. Thus, any further award of damages to the Plaintiff would result in a windfall to the Plaintiff. TWENTY-SECOND AFFIRMATIVE DEFENSE Unjust Enrichment
108. On information and belief, the Plaintiff has insurance, whether denominated

default swap insurance, FHA insurance or otherwise, which has either fully compensated the Plaintiff for any funds issued to the Defendant or will be
30

fully compensated for any funds issued to the Defendant. Therefore, a judgment of foreclosure and release of any proceeds to the Plaintiff postjudicial sale will result in an unjust enrichment to the Plaintiff. TWENTY-THIRD AFFIRMATIVE DEFENSE Failure to Post Cost Bond [F.S. 57.011]
109. Plaintiff is a specifically named trustee of a foreign entity that is not registered

to do business in Florida. Plaintiff has failed to comply with Florida Statutes section 57.011 and has not posted a cost bond. When a nonresident plaintiff begins an action [] he or she shall file a bond with surety to be approved by the clerk of $100, conditioned to pay all costs which may be adjudged against him or her in said action in the court in which the action is brought. On failure to file such bond within 30 days after such commencement or such removal, the defendant may, after 20 days notice to plaintiff (during which the plaintiff may file such bond), move to dismiss the action or may hold the attorney bringing or prosecuting the action liable for said costs and if they are adjudged against plaintiff, an execution shall issue against said attorney. 57.011 Fla. Stat. TWENTY-FOURTH AFFIRMATIVE DEFENSE Failure to comply with trust registration law
110. Plaintiff has failed to comply with Florida Statute 660.27, which provides,

in pertinent part: (1) Before transacting any trust business in this state, every trust company and every state or national bank or state or federal association having trust powers shall give satisfactory security by the deposit or pledge of security of the kind or type provided in this section having at all times a market value in an amount equal to 25 percent of the issued and outstanding capital stock of such trust company, bank, or
31

state or federal stock association or, in the case of a federal mutual association, an equivalent amount determined by the office, or the sum of $ 25,000, whichever is greater. However, the value of the security deposited or pledged pursuant to the provisions of this section shall not be required to exceed $ 500,000. Any Notes, Mortgages, bonds, or other securities, other than shares of stock, eligible for investment by a state bank, state association, or state trust company, or eligible for investment by fiduciaries, shall be accepted as satisfactory security for the purposes of this section.
111. Additionally, Florida Statute 660.27(2)(a) requires the plaintiff to provide to

Floridas Chief Financial Officer the full legal name of the trust, its federal employer identification number; principal place of business; amount of capital stock; and amount of collateral required to be deposited by the trust.3
112. Plaintiff is claiming to be transacting trust business in the State of Florida

which includes, but is not limited to the following: the acquiring, holding and transferring Mortgages on property in Florida; receiving assignments of promissory Notes; receiving payments from Florida consumers on Mortgage Notes; enforcing Notes by filing and prosecuting this and other foreclosure actions; foreclosing on Mortgages; purchasing foreclosed properties at judicial sales; and owning and selling properties acquired at judicial sales.
113. A cursory search of the State of Florida Office of Financial Regulation

suggests that the Plaintiff has failed to provide the full legal name of the trust to the State of Florida, and consequently, has failed to pay the required statutory fee. TWENTY-FIFTH AFFIRMATIVE DEFENSE Violation of Federal Fair Credit Reporting Act

See Florida Statute 658.12(8), 658.12(20), 660.34(1), 660.34(2) and 660.34(3).

32

114. Plaintiffs violated the Federal Fair Credit Reporting Act, 15 U.S. C., 1681 et

seq. (the Act) Defendant are consumers as defined by 15 U.S.C. 1681(c) of the Act and a debtor under Floridas Consumer Collection Practices Act, F.S. 559.55, et. seq.
115. Defendant applied for and was either denied or delayed credit or caused to

pay more for credit from credit grantors, based in whole or in part, on inaccurate, misleading, adverse information contained in the credit reports of TransUnion, Equifax and Experian, placed there and published there by plaintiffs collection efforts on the subject Mortgage loan.
116. These negative credit references in the credit reports indicated the Defendant

failed to make payments on the subject Mortgage loan and they constituted violations of the Federal Fair Credit Reporting Act as plaintiff knew at the time it made the negative reports, that its published statements were false and that it had no factual basis or authority to publish the statements. The statements plaintiff made were malicious, willful, wanton and showed a complete disregard for the Plaintiffs statutory federal rights. The written publications by constitute libel per se. The verbal publications constitute slander per se.
117. Defendant has suffered extreme mental anguish, a loss of credit reputation, a

loss of ability to obtain credit and pecuniary damages. The losses are either permanent or continuing and Defendant will suffer the losses in the future. CLAIM FOR ATTORNEYS FEES
118. Defendant hereby request they be awarded attorneys fees pursuant to the

terms of the promissory note and mortgage and also pursuant to section 57.105(7), Florida Statutes (2011). WHEREFORE CLAUSE

33

119. Wherefore, Defendant demands judgment against Plaintiff and requests the

court deny Plaintiffs requested relief of foreclosure, and award reasonable attorneys fees and costs to Defendant; order discharge, release or cancellation of the alleged mortgage and send Plaintiff forthwith without day. Respectfully submitted,

__________________________ George Gingo, FBN 879533 James E. Orth, Jr. FBN 75941 2215 Garden Street Suite B Titusville, FL 32796 321-264-9624 telephone 866-311-9573

CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of the foregoing has been furnished by U.S. Mail, this 10th day of May, 2012, to XXXXXXX at XXXX. ______________________ George Gingo

34