QUALIFIED WRITTEN REQUEST

1 "FROM:
2 II Max Meindl
3 II 705 Hemphill

4 II Houston, Texas 77007

6 TO:

7 AMERICAN HOME MORTGAGE SERVICING, INC.,

8
Copies to:
DEUTSCH BANK NATIONAL TRUST COMPANY AS TRUSTEE FOR ARGENT SECURITIES INC1,
9
ASSET-BACKED-PASS-THROUGH CERTIFICATES, SERIES 2005-W2,
10
DEUTSCHE BANK NATIONAL TRUST COMPANY, as custodian
11

12

13
AMENDED
14
QUALIFIED WRITTEN REQUEST
15
AND
16
DISPUTE LETTER
17
TO
18
''NOTICE OF ACCELERATION OF LOAN MATURITY"
19 AND
20 "NOTICE OF FORECLOSURE SALE".
21 Loan No.: 4000575748
22 MWZ No. 09-300801-910
23

24
This is a "qualified written request" under Section 6 of the Real Estate Settlement Procedures Act
25
(RESPA). I understand that under Section 6 ofRESPA you are required to acknowledge my request
26
within 20 business days and must try to resolve the issue within 60 business days.
27

28 I, Max Meindl, hereby respectfully submit the following in dispute of the ''NOTICE OF
29 ACCELERATION OF LOAN MATURITY" and the ''NOTICE OF FORECLOSURE SALE", dated Ap
30 2nd, 2010, said documents being delivered by US Mail to our home and homestead.
31

32 II I, Max Meindl, received a letter stating that you have been retained by "American Home Mortgage
Servicing", Mortgage Servicer for "DEUTSCH BANK NATIONAL TRUST COMPANY AS TRUSTEE

QUALIFIED WRlTTEN REQUEST AND DISPUTE LETTER - 1

 QUALIFIED WRITTEN REQUEST

1 FOR ARGENT SECURITIES INC., ASSET-BACKED-PASS-THROUGH CERTIFICATES, SERIES

2 2005-W2", the alJeged "current mortgagee". In your letter you stipulated that Federal law allows me to
3 dispute the validity ofthe debt, or any portion thereof, within 30 days after receipt ofthis notice, if! noti

4 the firm in writing. You also stipulated that if! dispute the debt, ''the firm will provide me with the name

5 and address of the original creditor". I am disputing this debt and the currently scheduled foreclosure

6 action. I am interested in the current "HOLDER IN DUE COURSE". I am submitting the following in

7
compliance with the referenced Federal Law. For the record, I respectfully request you answer and affirm

8
for the record, the following to the best of your ability.

9
INSTRUCTIONS
10
1. These QUESTIONS AND INQUIRY for are directed toward all information known or available
11
to Deutsche Bank National Trust Company, American Home Mortgage Servicing, Inc., Deutsch
12
Bank National Trust Company as Trustee for Argent Securities Inc., asset-backed-pass-through
13
certificates, series 2005-w2, Deutsche Bank National Trust Company, As Custodian, not its
l4
lawyer, including information contained in the records and documents in Deutsche Bank National
15
Trust Company's, American Home Mortgage Servicing, Inc., Deutsch Bank National Trust
16
Company as Trustee for Argent Securities Inc., asset-backed-pass-through certificates, series
17
2005-w2, Deutsche Bank National Trust Company, As Custodian, custody or control or available
18 to Deutsche Bank National Trust Company, Ameriquest Mortgage Company, American Home
19 Mortgage Servicing, Inc., Deutsch Bank National Trust Company as Trustee for Argent Securitie
20 Inc., asset-backed-pass-through certificates, series 2005-w2, Deutsche Bank National Trust
21 Company, As Custodian, upon reasonable inquiry.
22 2. Each request is to be deemed a continuing one. If, after serving an answer, you obtain or become
23 aware of any further information pertaining to that request, you are requested to serve a

24 supplemental answer setting forth such information.

25 A. As to every request for which an authorized officer of Deutsche Bank National Trust

26 Company, American Home Mortgage Servicing, Inc., Deutsch Bank National Trust Company as

27
Trustee for Argent Securities Inc., asset-backed-pass-through certificates, series 2005-w2,
Deutsche Bank National Trust Company, As Custodian, fails to answer in whole or in part, the
28
subject matter of that request will be deemed confessed and stipulated as fact to the possible use i
29
Court.
30
B. Kindly attach additional sheets as required identifying the question being answered. You
31
have a continuing obligation to update the information in these questions as you acquire new
32
information. If no such update is provided in a reasonable period of time that you acquired such

QUALIFIED WRITTEN REQUEST AND DISPUTE LETTER - 2

 QUALIFIED WRITTEN REQUEST

1 information, it may be excluded at trial or hearing.

2

3 DEFINITIONS
4 3. "You" and "your" include Deutsche Bank National Trust Company, American Home Mortgage

5 Servicing, Inc., Deutsch Bank National Trust Company as Trustee for Argent Securities Inc.,

6 asset-backed-pass-through certificates, series 2005-w2, Deutsche Bank National Trust Company,

7
As Custodian, and any and all persons acting for or in concert with Deutsche Bank National Trus

8
Company.
4. "Document" is synonymous in meaning and equal in scope to the usage of this term in Federal
9
Rule of Civil Procedure 34(a) and includes computer records in any format. A draft or non-
10
identical copy is a separate document within the meaning of this term. The term "document" also
11
includes any "tangible things" as that term is used in Rule 34(a).
12
5. Parties. The term, as well as a party's full or abbreviated name or a pronoun referring to a party,
13
means the party and, where applicable, (his/her/its) agents, representatives, officers, directors,
14
employees, partners, corporate parent, subsidiaries, or affiliates.
15
6. Identify (person). When referring to a person, "identify" means to give, to the extent known, the
16
person's full name, present or last known address, telephone number, and when referring to a
17
natural person, the present or last known place of employment. Once a person has been identified
18
in compliance with this paragraph, only the name of that person needs to be listed in response to
19 later discovery requesting the identification of that person.
20 7. Identify (document). When referring to a document, "identify" means to give, to the extent know,
21 the following information: (a) the type of document; (b) the general subject matter of the
22 document; (c) the date of the document; (d) the authors, address, and recipients of the document;
23 (e) the location of the document; (f) the identity of the person who has custody of the document;
24 and (g) whether the document has been destroyed, and if so, (i) the date of its destruction, (ii) the

25 reason for its destruction, and (iii) the identity ofthe person who destroyed it.

26 8. Relating. The term "relating" means concerning, referring, describing, evidencing, or constituting

27
directly or indirectly.
9. Any. The term "any" should be understood in either its most or its least inclusive sense as
28
necessary to bring within the scope of the discovery request all reasons that might otherwise be
29
construed to be outside of its scope.
30
10. QUALIFIED WRITTEN REQUEST
31
1. Please identify each person who answer these Questions and Inquiry and each person (attach
32
pages if necessary) who assisted, including attorneys, accountants, employees of third party

QUALIFIED WRITTEN REQUEST AND DISPUTE LETTER - 3

 QUALIFIED WRJTIEN REQUEST

1 entities, or any other person consulted, however briefly, on the content of any answer to these
2 Questions and Inquiry.
3 ANSWER:
4

7
11. For each of the above persons please state whether they have personal knowledge regarding the

8
subject loan transaction.
ANSWER:
9

10

11
12. Please state the date of the first contact between Deutsche Bank National Trust Company,
12
American Home Mortgage Servicing, Inc., Deutsch Bank National Trust Company as Trustee for
13
Argent Securities Inc., asset-backed-pass-through certificates, series 2005-w2, Deutsche Bank
14
National Trust Company, As Custodian, and the borrower in the subject loan transaction, the
15
name, address and telephone number ofthe person(s) in your company who was/were involved in
16
that contact.
17
ANSWER:
18

19

20

21 II 13. Please identify every potential party to this foreclosure.

22 II ANSWER:
23

24

25

26

27
14. Please identify the person(s) involved in the underwriting of the subject loan. "Underwriting"
refers to any person who made representations, evaluations or appraisals of value of the home,
28
value of the security instruments, and ability of the borrower to pay.
29
ANSWER:
30

31

32

QUALIFIED WRITTEN REQUEST AND DISPUTE LETTER - 4

 QUALIFIED WRITTEN REQUEST

1 15. Please identify any person(s) who had any contact with any third party regarding the
2 securitization, sale, transfer, assignment, hypothecation or any document or agreement, oral,
3 written or otherwise, that would effect the funding, closing, or the receipt of money from a third

4 party in a transaction that referred to the subject loan.

5 ANSWER:

8
16. Please identify any person(s) known or believed by anyone at Deutsche Bank National Trust
9
Company, American Home Mortgage Servicing, Inc., Deutsch Bank National Trust Company as
10
Trustee for Argent Securities Inc., asset-backed-pass-through certificates, series 2005-w2,
11
Deutsche Bank National Trust Company, As Custodian, who had received physical possession 0
12
the note and allonges, the mortgage, or any document (including but not limited to assignment,
13
endorsement, allonges, Pooling and Servicing Agreement, Assignment and Assumption
14
Agreement, Trust Agreement, letters or email or faxes of transmittals including attachments) tha
15
refers to or incorporates terms regarding the securitization, sale, transfer, assignment,
16
hypothecation or any document or agreement, oral, written or otherwise, that would effect the
17
funding, or the receipt of money from a third party in a transaction, and whether such money was
18
allocated to principal, interest or other obligation related to the subject loan.
19 ANSWER:
20

21

22

23

24 17. Please identify all persons known or believed by anyone in Deutsche Bank National Trust

25 Company, American Home Mortgage Servicing, Inc., Deutsch Bank National Trust Company as

26 Trustee for Argent Securities Inc., asset-backed-pass-through certificates, series 2005-w2,

27
Deutsche Bank National Trust Company, As Custodian or any affiliate to have participated in th
securitization of the subject loan including but not limited to mortgage aggregators, mortgage
28
brokers, financial institutions, Structured Investment Vehicles, Special Purpose Vehicles, Trustee ,
29
Managers of derivative securities, managers of the company that issued an Asset-backed security,
30
Underwriters, Rating Agency, Credit Enhancement Provider.
31
ANSWER:
32

QUALIFIED WRITTEN REQUEST AND DISPUTE LETTER - 5

 QUALIFIED WRTTTEN REQUEST

3 18. Please identify the person(s) or entities that are entitled, directly or indirectly to the stream of
4 revenue from the borrower in the subject loan.
s ANSWER:

19. Please identify the person(s) in custody of any document that identifies the loan servicer(s) in the
8
subject loan transaction.
9
ANSWER:
10

11

12

13
20. Please identify any person(s) in custody of any document which refers to any instruction or
14
authority to enforce the note or mortgage in the subject loan transaction.
15
ANSWER:
16

17

18 21.0ther than people identified above, identify any and all persons who have or had personal
19 knowledge ofthe subject loan transaction, underwriting of the subject loan transaction,
20 securitization, sale, transfer, assignment or hypothecation of the subject loan transaction, or the
21 decision to enforce the note or mortgage in the subject loan transaction.
22 ANSWER:
23

24

25

26 22. Please state address, phone number, and employment history for the past 5 years of Bryan Bly,
Vice President, Citi Residential Lending Inc. As Attorney in Fact for Argent Mortgage Company,
27
LLC, "designated as the Assignor" of the mortgage loan and deed of trust to Deutsch Bank
28
National Trust Company as Trustee for Argent Securities Inc., asset-backed-pass-through
29
certificates, series 2005-W2, ("Corporate Assignment of Deed of Trust", Harris County, Texas
30
records, Document 2005009982, [ERIO-49-1981, ERl-49-1982, ERI0-49-1983])
31
ANSWER:
32

QUALIFIED WRITTEN REQUEST AND DISPUTE LETTER - 6

 QUALIFIED WRITTEN REQUEST

1 23. Please state the date on which Argent Mortgage Company, LLC (originator) sold the mortgage
2 loan to Ameriquest Mortgage Company (Seller and Master Servicer).
3 ANSWER:
4

7
24. Please state the date on which Ameriquest Mortgage Company (Seller and Master Servicer) sold
the mortgage loan to Argent Securities, Inc. (Depositor).
8
ANSWER:
9

10

11

12
25. Did Argent Mortgage Company, LLC (originator) or previous servicers ofthis account receive an
13
compensation, fee, commission, payment, rebate or other financial considerations from
14
Ameriquest Mortgage Company (Seller and Master Servicer) or any affiliate or from the trust
15
funds, for handling, processing, originating or administering this loan?
16
ANSWER:
17

18

19

20 26. If yes, please describe and itemize each and every form of compensation, fee, commission,
21 payment, rebate or other financial consideration paid to Argent Mortgage Company, LLC, the
22 originator or previous servicers of this account by Ameriquest or any affiliate, or from the trust
23 fund.

24 ANSWER:

25

26

27
27. Please identify any party, person or entity known or suspected by Deutsche Bank National Trust
28
Company, American Home Mortgage Servicing, Inc., Deutsch Bank National Trust Company as
29
Trustee for Argent Securities Inc., asset-backed-pass-through certificates, series 2005-w2,
30
Deutsche Bank. National Trust Company, As Custodian, or any of your officers, employees,
31
independent contractors or other agents, or servants of your company who might possess or claim
32

QUALIFIED WRITTEN REQUEST AND DISPUTE LETTER - 7

 QUALIFIED WRITIEN REQUEST

1 rights under the subject loan or mortgage and/or note.

2 ANSWER:
J

5 28. Please identify the custodian ofthe records that would show all entries regarding the flow of fund

6 for the subject loan transaction prior to and after closing of the loan. (Flow of funds, means any

7
record of money received, any record of money paid out and any bookkeeping or accounting en
general ledger and accounting treatment of the subject loan transaction at your company or any
8
affiliate including but not limited to whether the subject loan transaction was ever entered into an
9
category on the balance sheet at any time or times, whether any reserve for default was ever
10
entered on the balance sheet, and whether any entry, report or calculation was made regarding the
11
effect of this loan transaction on the capital reserve requirements of your company or any
12
affiliate.)
l3
ANSWER:
14

15

16

17
29. Please identify the auditor and/or accountant of your financial statements or tax returns.
18
ANSWER:
19

20

21

22 30. Please identify any attorney with whom you consulted or who rendered an opinion regarding the
23 subject loan transaction or any pattern of securitization that may have effected the subject loan
24 transaction directly or indirectly.
25 ANSWER:

26

27
31. Please identify any person who served as an officer or director with Deutsche Bank National
28
Company or Argent Mortgage Company LLC commencing with 6 months prior to closing of the
29
subject loan transaction through the present. (This question is limited only to those people who ha
30
knowledge, responsibility, or otherwise made or received reports regarding information that
31
included the subject loan transaction, and/or the process by which solicitation, underwriting and
32
closing of residential mortgage loans, or the securitization, sale, transfer or assignment or

QUALIFIED WRITTEN REQUEST AND DISPUTE LETTER - 8

 QUALIFIED WRlTIEN REQUEST

1 hypothecation of residential mortgage loans to third parties.)

2 ANSWER:
3

5 32. Did any investor/certificate holder approve or authorize foreclosure proceedings on Max Meindls

6 property?

7 ANSWER:

10
33. Please identify the person(s) involved or having knowledge of any insurance policy or product,
11
plan or instrument describing over-collateralization, cross-collateralization or guarantee or other
12
instrument hedging the risk of default as to any person or entity acting as an issuer of any
13
securities or certificates. (Such instrument(s) relate to the composition of a pool, tranche or other
14
aggregation of assets that was created, included or referred to the subject loan and the pool or
15
aggregation was transmitted, transferred, assigned, pledged or hypothecated to any entity or buye .
16
A person who ''transmitted, transferred, assigned, pledged or hypothecated" refers to any person
17
who suggested, approved, received or accepted the composition of the pool or aggregation made r
18 confrnned representations, evaluations or appraisals of value of the home, value of the security
19 instruments, ability ofthe borrower to pay.)
20 ANSWER:
21

22

23

24 34. Please identify the person(s) involved or having knowledge of any credit default swap or other

25 instrument hedging the risk of default as to any person or entity acting as an issuer of any

26 securities or certificates. (Such instrument( s) relate to the composition of a pool, tranche or other

27
aggregation of assets that was created, included or referred to the subject loan.)

28
ANSWER:

29

30
35. Do you have a copy of and will you provide a copy to me of the ORIGINAL NOTE AND DEED
31
OF TRUST?
32
ANSWER OR RESPONSE:

QUALIFIED WRlTTEN REQUEST AND DISPUTE LETTER - 9

 QUALIFIED WRIITEN REQUEST

1 36. Are you aware Mr. & Mrs. Meindl claim the home as their homestead, located at 705 Hemphill
2 Street, Houston, Texas, Harris County, Texas 77007 (the "Property"). [(If a person receives a
3 homestead tax exemption then this designation is automatic. Case law further provides that
4 "when a homestead claimant is in actual occupancy of his homestead, it will be deemed that a
5 lender or encumbrancer acted with knowledge of the occupant's right to invoke the rule of
6 homestead." Sanchez v, Telles, 960 S W2d 762, 770 (Tex. App. - El Paso 1997, pet. Denied)] [a

7 homestead is presumed to exist until its termination is proved. " Wilcox v. Marriott, 103 S W3d

8 469, 472 (Tex App. - San Antonio 2003, pet. denied)]

9
Answer;
10

11

12 I would expect to receive your answers to the issues posed in this dispute letter within 20 days, on or
13 before May 25th, 2010 so we can properly proceed in defense of our home.
14

15

16 Dated this 5th Day of May 2010

17

18

19 ~~'-I
Max Meindl
20
705 Hemphill
21
Houston, Texas 77007
22

23

24

25

26

27

28

29

30

31

32

QUALIFIED WRITTEN REQUEST AND DISPUTE LETTER - 10