Real Time Resolutions Mortgage Complaint

Real Time Resolutions Mortgage department,

Other mortgage Loan servicing, payments, escrow account Texas

We have spoken with several agents of Real Time Resolutions ( RTR ) in regards to the above mentioned mortgage debt being only serviced on behalf of -. ( - ) In response to notices received from RTR dated - -, -, we are requesting that these omissions of RTR having received either Notice of Assignment, Sale or Transfer of servicing rights of the loan to be definitely defined per statutes of Real Estate Settlement Procedures Act ( RESPA ), the Fair Debt collections Act ( FDCPA ), as well as the Fair Credit Reporting Act ( FCRA ) .RTR was served with a Qualified Written Request ( QWR ) on - -, - and they have failed to properly respond to our demands under RESPA , FDCPA and FCRA. They have failed to indicate and establish proper ownership and rights to service the loan. Furthermore, they have failed to provide an itemized accounting ledger of crediting payments made, late fees, etc. from multiple alleged prior servicers of the loan. The assignments, sale affidavits, allonge ( s ) to the note and loan transfers documentation is incomplete and inconsistent with proper mortgage securities and we feel that we are victims


loan until - -, - from -. We have also taken this matter a step further and contacted - County land records here in Texas, and there is no record of assignments for this loan which support or remotely indicate that RTR nor - carry legitimate custodial servicing rights or ownership to this loan. In fact, it appears as though -, still owns the loan which is impossible, because they filed Chapter - bankruptcy in - and all securities liquidated. ( SEE E-HIBIT " A '' -Collection Agreement Forgery ) According to land records, the loan was originated with - . From there, it was transferred to - - -, and - - - was shut down, following - - filing bankruptcy - -, -. So how is it possible that there was any such agreement made with - and RTR? The answer is. it 's not possible.It appears that the agent of RTR, named - -, is in fact a Robo-signer ; since the alleged agreement according to RTR was signed and dated -, - - ; long after the collapse of -. The milestones report that was provided from RTR is dated - -, -. The report documents a span from - -, - until - -, - ; indicating custodial service rights transfers for -, -, and even - - - ( - ) .The problem as previously addressed, is that - dissolved in -, - - Chapter - in -, all securities sold off, and - is prohibited from participating in any consumer loan in the capacity of owner servicer or any such activities as of -. As far as we are able to tell, the milestone report has been falsified. ( SEE E-HIBIT " B '' - - - ) RTR, has also failed to provide evidence of documentation detailing updated assignments of ownership or necessary proof of their custodial servicing obligations. Furthermore, per RESPA and the FDCPA surrounding mortgage debt validation, we are demanding a complete chain of title as well as the Allonge to the Note, sale affidavits and evidence transfer from - to - and - to -, and finally - to RTR. ( including all accounting ledgers from each servicer previously listed as well. ) In particular, there are a multitude of concerns about the facts surrounding Case # - - which involves CEO - - of - - - ( - ), engaging in a number of unlawful lending practices and abusive collection practices.