Local Alaska's
Chapter Support
Group for Victims of
Financial Crisis ?
Interested in
forming a group call
907-373-5772
They have left so
many victims in
their path. Everyone
wants to tell their
story but other
victims are so busy
licking their own
wounds from this
financial crisis as
I have been, they
can't hear the other
stories yet as they
are still suffering
from the financial
damages. If you
notice there are no
support groups for
victims of financial
crimes and
especially local
ones as there should
be. They say it's
one of
the worst crimes you
can experience. Its
an experience the
whole family has to
deal with and many
don't know how to.
There is every kind
of support group you
can name for other
crimes but nothing
for the victims of
the mortgage and
housing crisis.
Why?. They don't
want you sharing
your personal
financial crime or
real estate fraud
story because that
would actually make
people aware of
there communities
they live in and
what happened and
who by in each
community and that
would really change
things for the
better. Who want
that? Certainly not
the 1%.
WASILLA ALASKA,
EQUITY STRIPPING LOAN SCAM
Altered Loan Papers
Here is a
short eserp from my story
The loan papers were
brought to Kim Elgee for her to sign at her home. Where's the
TILA? When Kim Elgee signed the loan papers only one property, a lot with a home on
it was used as collateral by the bank (lot 6) (First National Bank Alaska) for the loan of March 2005 in the amount of $95,000. After
Kim signed the loan papers, the loan documents
were altered and two other lots were added to the collateral section of the
loan( lots7 and 8), making it a total of three properties used as collateral by First
National Bank Alaska. The collateral was now two empty lots along with
a single lot with a home on it. First
National Bank Alaska then sent the altered loan papers by express mail to Delphine Elgee
to sign who was on a very planned vacation in Arizona.( Business Partner,
Trailside Log Cabin, LLC member) .
Wasilla, Alaska's Attorney
Patricia Hefferans letter to us shown herePage 1and
page 2
The Couples Attorney
Patricia Hefferan knew how this fraudulent loan should have been recorded
in March of 2005 proven by what she wrote in her letter
to us on September 25, Their Attorney Patricia Hefferan was
very careful not to address the use of all three lots taken by First
National Bank Alaska as
collateral on our loan in her letter to us. Their Attorney Patricia Hefferan
demanded the earnest money back and then she refers to a Construction Mortgage
note she said we had due on a single lot in her September letter. The loan was suppose to
be recorded on a single lot on (March 17, 2005) but it wasn't recorded on a single
lot as shown below. It was not recorded as a Construction Mortgage
as she said it was
either. The bank never recorded it like that as proven by public record she
was referring to at that date and time. Kevin and Kim were unaware
even at that date in September when Patricia Hefferan wrote her letter that
the bank took all three lots for the loan or how it was recorded, all part of the equity stripping
scam with the events of planned illegal liens and faxed extortion
letters to come. Patricia Hefferan was helping to hide how much collateral the bank really took
for our loan and how it was really recorded at the Palmer Alaska recorders
office on March , 2005 date. Why? As shown below on the link, the
public record shows the bank took all three lots for the loan, a secret to be
kept from Kim Elgee, Kevin Alfonsi and Trailside Log Cabins, LLC. Why?
A Construction Deed of Trust
(loan) for $10,000 was
latter....
obtained on just lot 6 in November 2005
after
Patricia Hefferan wrote her
letter to us in September 2005. This second loan for $10,000 was absolutely necessary
along with her letter to be used in court against us to try and hide
the scam that failed. The conspirators now needed a real Construction
Deed of Trust recorded on lot 6 at First National Bank Alaska to try and hide the evidence of the equity stripping scam
they attempted and
failed
at, and that loan amount was the same as the earnest
money amount which would also help in their futile attempt to hide the fraud.
She also gives another small clue in her September letter to us as to what
we could expect next in this equity stripping scam. (She states we
should want to avoid Liens)
I couldn't have written a
$300,000 dollars loss off on my IRS tax returns from this specific fraud over the
last few years if we
had been lazy non working people. I don't think the IRS would have allowed
that. We were people who worked extremely hard for many many years and were stolen
from, and that's just a IRS tax return fact. What I detest is the stupidity
that is running rampant about people that have protested this fraud across the
country. People saying that the people protesting are lazy and non
working. Some of us that support Occupy Wall Street or the local Occupy
Anchorage or Occupy Alaska know another side you
may not be aware of or have come to know personally, but if things continue on as they have, I assure you, you
will.
"THOU SHALT NOT STEAL"
"SAYETH THE LORD"
My father always said if there was one thing he couldn't
stand, it was a thief, I agree. He went on to say that the only
time he would excuse stealing was if the person was starving . As for
my mother and how she feels about stealing and family its all shown and
documented here at this site.
INVEST IN CREDIT
UNIONS,
INVEST IN THOSE THAT HAVE AND HAVE
SHOWN ACCOUNTABILITY AND INVEST IN THOSE THAT ARE NOT TOO BIG TO FAIL
At least credit unions can be monitored and
regulated by individual State Governments, unlike National Banks that apparently
can do anything they want like destroy the worlds economy on a greedy whim.
State regulators have no problems enforcing these laws on local credit
unions and local private mortgage lenders and watch these institutions like a
hawk. Why don't they and why haven't they held National Banks to the same
accountability ? Why not pop a letter off to Banking and Securities in your
local State and ask them.
I guess their too big to fail and too big
to be held accountable. That being said, just where is your money safe?
This story is a perfect example of the
values many have come to accept as the new norm in this country and shows
how some choose money over family and will even put their own young vulnerable 3
year old special needs grandchildren on
the streets to accomplish their selfish monetary goals. It shows how many people
working in these corporations and specifically banks use these institutions
as their own personal play grounds for personal financial gain or planning
others demise with plots and
schemes that put their own
stockholders at risk. Banks and bank accounts are regulated by both state and
federal statutes. These corporations and specifically national banks did have
regulations and regulators in place already that simply chose not to enforce these
already in place state and federal
laws. This is simply proven by the lack of federal action taken on Wall
Street and Main Street, they simply turned their heads to all the fraud taking place and ignored it all as proven by the current state of the economy.
Where were these regulators and why were they not enforcing these laws ? Asking
for more regulations in banking is not going to amount to anything but asking
and insisting on
enforcement of the already in place state and federal laws and regulations may.
Where were you OCC? Please do tell. Please hire more people to work
for you and expand your Texas office that oversees National Banks across the
country.
YOU APPARENTLY NEED HELP DONG YOUR JOB AS
PROVEN BY
THE FIASCO ON WALL STREET AND MAIN STREET.
This loan fraud could not have taken place
without First National Bank Alaska's key involvement. It also shows how Alaska
suffers from malignant cronyism. They don't have to go out of there
way to hide their crimes of fraud anymore because they're privileged unlike you
and me to commit crimes against anyone they wish without suffering any
consequences for there actions even if they are caught red handed. They can
indeed be
arrogant, ignorant, blatantly stupid,
as true intelligence is no longer required to hold a high powered corporate job
or political office when malignant cronyism takes over
your state and for that fact your country. This is not just my opinion,
this has now been proven world wide and specifically in Alaska both politically
and in the business world.
The one thing that upsets
me more than anything else was being asked to pursue this fraud for over 3 years
by the person who instigated it. Just like Casey Anthony having a search
party look for her 2 year old daughter and all the while knowing the child was
dead. I suppose to some I should just have been quiet about it and let it
pass and go away once the truth surfaced. I think its my responsibility to
expose it and document it and asks others to do the same. Had schemes like
this been exposed there would have been millions more informed and aware of the
existing fraud that tore this country apart. I feel its my duty as an
American citizen and mother to have the courage to come forward and tell my
story. Its an obligation to my country that has been trampled on by
traitors. To me they are and were terrorists and the damage from all this bank
fraud has touched and continues to touch the lives of millions here and all
across the world.
It was heart wrenching and devastating
to find out this fraud was done on purpose and planned long before the couple
walked into our office to enquire about building them a cabin all part of the
loan scheme at First National Bank Alaska. I cried almost continuously for over
a two month period when the facts were revealed and I learned that same
exact person asking me to pursue this loan fraud for over three years was the
main instigator of the loan scam to start with. My son was3 years old at
this time and disabled going to therapy at least three times a week to learn to
walk and our family was already in crisis just trying to deal with his
disability as new parents for the first time. We had a lot on our plate
already as a family. Just what would be gained from asking me to pursue this
purposeful planned fraud again and again?
Kim L. Elgee
Background First
About Kevin, Kim and William
Kevin came to Alaska in1994. Kevin is a licensed general contractor
with his residential endorsement in the
State of Alaska and does construction in addition to his syrup business. He
drove truck in the past as most any type of excavator and most any kind of heavy
equipment. He did
mitigation work on Elmendorf Air Fore Base removing dead beetle killed trees for
quite a few years under the business name Trailside Log Cabins, LLC. These trees were then milled
into lumber by him and used to build
cabins and log homes. We built two rental cabin here at our once business,
now home from his mitigation work called Trail masters LLC Gift shop and cabin rental
business. These cabins were built on land I acquired as Kim Owens in
1995. Kim Elgee received a loan from First National Bank Alaska in
2002 to
buy and build two cabins from Trailside Log Cabins, LLC that are still rented
today.
Kim has been in Alaska since the summer of 1972. Her parents divorced in 1971and
Kim came to Alaska from Lewiston Idaho with her father Bill Elgee a
Carpenter. Bill came to Alaska looking for work during one of those other
recessions. A few years latter her parents remarried. Kim Graduated
from Diamond High school in Anchorage in1979. Kim and her father built her first
home in Birch Harbor Estates in 1984 in Wasilla Alaska. Kim is now a retired
State of Alaska employee.Kim worked for the
State of Alaska at the Department of Motor Vehicles in Palmer, Eagle River and in
Anchorage. Williams story is told on our site under Williams Syndrome.
"The documents load large and then reduce
themselves after they load"
Website picture of the house in Birch Harbor Estates that's here in this story taken from another web
site saying this picture was entered on web site
April
1, 2004. The house was on lot 6. As you can see the wood is
weathered and that usually takes a few years.
I was explained how this all
happened in the fall of 2008 right after I lost my home due to a continued
Avalanche effect from this fraud from 2005. I had to sell it and was
lucky I was able to.
Previous letters written by me for my own mother Delphine Elgee at her
insistence prove I didn't know the entire scope of the loan scam until a
much latter date as I had no idea who was all involved and that this
was purposeful, planned and deliberately done to me Kim Elgee, my disabled 3
year old son William and my husband Kevin Alfonsi and our Company Trailside
Log Cabins, LLC and the Alaska Birch Syrup Company all victims of an
Mortgage Rescue Scam. I never knew this was an extremely vicious personal
attack. The so called bad luck that we had,had some planning
and strategy behind it and was sett up just like the scam shown below. This
came from good old fashioned jealousy and greed. Jealousy I had to
deal with from the day I was born and handed to an adoring father. Who would benefit financially and how would they benefit from our loss?
That right there was the key to the mystery and the knowledge given latter
would make all the pieces fit together.
We owned a Construction
Company that was located here at 2150 South Endeavor Street in Wasilla
Alaska. The couple approached us
at our place of business to enquire about building a log cabin and they were taken to the
unfinished log home Kevin of Trailside Log Cabin LLC had been building on for several years and
they immediately wanted it. As reflected by Borough tax records shown below Kevin had a
structure of some type on the land since 2000. He had put his own money into
this home for years. 2000 was when he put in the foundation as
determined by the realtor that eventually sold the home
in 2005 as reflected by the Matanuska Susitna Borough tax records.
Taking too much Collateral
GETTING THE SCAM
SITUATED
The couple signed the
contract (link) to buy the home with General Contractor Trailside Log Cabin LLC on
February 28, 2005
and then they went to FNBA (First National Bank Alaska) and were approved for this specific
house at FNBA on lot 6 unit 2 Birch Harbor Estates on March 2, 2005. They put
down $10,000 dollars in Earnest money which was held at McKinley Title and
Trust as shown by their Attorneys letter shown below. That is all they ever put into this contract all part of the plan of
arranged events to come. The earnest
money receipt and commitment were faxed from First National Bank Alaska to General Contractor Kevin Alfonsi Trailside Log Cabins LLC as shown in the links that follows.
Earnest Money Receipt from BANK faxed to Trailside
(link) and
Commitment from
BANK faxed
to Trailside (link)Title Work
for residential only hmmmm
(link)
Trailside Log Cabins
agreed to finish the home they purchased from Trailside Log Cabins, LLC
for the couple as we were told by FNBA (First National Bank
Alaska) loan Officer
Jack Zerbel and the couple they were in a loan program that required
that the home be finished before they could acquire bank
financing but that appears to be in conflict with their title work shown above.
We were told they received no financing and
they wouldn't until the home was finished, so we had to pay for their ad on's
and bank approved change orders our selves. Apparently a lie and all part of the scam.
The couple was never going to
fulfill their contract and get financing for this home at FNBA (First
National Bank Alaska) as proven by
the fact they already received financing and this home wouldn't qualify for
their particular loan program at FNBA. Their job
was to stall its construction, change the floor plan from a three bedroom
to a two bedroom, move the stairs and do whatever it took to delay the homes
construction. They were designing the home it appears for someone else. Their final job was to to place illegal liens on the home
to cause a distressed mortgage. We also had a Bay window that was installed
stolen right out of the house and then another large picture window was broken
on the
front of the house when the illegal liens were happening to us and we were
broke at the time, just a big coincidence,
right? They even asked us to take the roof off shown below in
Attorney Doc of Mr. Bovards Time Linelink page 1saying
we never disclosed something was wrong with the 4 year old roof. (There was
nothing wrong proven by inspection) They were qualified from day
one for a Residential HUD home and this 4 year old unfinished log
house would never qualify proving further this was all a planned sett up
from day one when they walked through the front door of our office.
It either
had to be a brand new Hud home from start to finish something the
contractor would be told of upfront and this would require special Hud
Paperwork for the contractor to submit to the bank before he even started
construction. Also a home at least finished for one year
would qualify too in that program. Neither applied to this 4 year old unfinished log home and
that's why the Affidavit is full of lies.
See Affidavit
Page 1 link ,
Page 2 link and
Page 3 link saying they bought a
bare lot, not a house that we were blocked from responding too from our
Attorneys that didn't even tell us about this fraudulent B.S. filled
affidavit. Why?
Kim Elgee and Delphine Elgee
both members of Trailside Log Cabins, LLC received a
loanat First National Bank Alaska to finish thisPRE-SOLD house for their Company
Trailside Log Cabins LLC.
Title work and
Title Work
2The house and two lots were titled in members name Delphine Elgee.
The bank took the house and the other two lots the Company owned as
collateral for the loan. The house was noted to be 75% complete on
lot 6 so why did the bank take all that collateral for that loan? All part
of a mortgage rescue equity stripping plan,
that's why. We had to bring in the General Contractors
contract showing the home sold and the plans exc... for this loan.
This loan was at one time secured with the General Contractors Contract on
just the one lot and should have been titled as a Construction Deed of Trust
on just lot 6 as
reflected in the Bovards own Attorney Patricia Hefferans letter shown herePage 1and
page 2.
Altered Loan Papers
Adding Additional
Collateral to Loan
The loan papers were
altered after Kim Elgee signed them at her home when they were brought to
her and then those papers were sent express to Delphine Elgee to sign
in Arizona after adding the other two additional lots to the collateral
section on the loan paper work. The Couples Attorney Patricia
Heffernan knew how this fraudulent loan of ours should have been recorded
but wasn't, proven by what she wrote in her own letter. Patricia was
very careful not to address all three lots in her letter to us demanding the
earnest money back. She was careful to say it was recorded as a Construction
mortgage on just lot six, still helping to hide how it was really recorded
at the recorders office.
She even validates looking up the public record of which shows all three
properties but she just addresses the one lot on the public record in her
letter and not all three as shown on the public record. Why? Was she blind or delusional or helping to
hide a planned scam? A Construction Deed of Trust was latter obtained in November
after
her letter was written and
this time just on lot 6 to to try and hide the
scam that failed shown below in the amount of $10,000 on the PUBLIC RECORD.
As
you can see below this first loan obtained in March for $95,000 wasn't titled the way the Attorney Patrica
Hefferan says she see's it is at the recorders office as a Construction
Mortgage.
Kevin was sett up in a draw account as he had been on our past Construction Deed of Trusts with this same exact bank on a
loan we previously obtained shown further on in this story obtained by Kim
Elgee in 2002, still active today. We
found out a few years latter this Original loan with house and two lots on
it obtained in March of 2005 by Delphine and Kim Elgee was never titled as a
Construction
Deed of Trust but just a Residential Mortgage Deed of Trust. It had a draw
account for Kevin on the mortgage note (very strange). You think our own Anchorage
Alaska Attorneys would have pointed that out to us as well.
This Loan of $10,000 titled a Construction Deed of Trustwas latter needed to hide the SCAM when the Mortgage rescue
scam failed.
Notice the
greed has departed the transaction and only one lot is being used for the second
loan on the home. Too bad the Attorney Patricia Hefferans letter comes
before the actual Construction Deed of Trust loan, better late than never, right
Patricia?
Kevin and Kim didn't know they took all the property
the company owned as collateral until a much latter
date when the scam was in full force with the liens on the property
and we thought we could sell a lot to get out of this mess.
That's when we found out the Bank took all the lots and home as collateral for the $95,000 mortgage loan
that was secured with General Contractors Contract, not
agreed to at all. Thats when Kim found out the loan papers she signed had
been altered. We still tried to sell the empty lots with Delphines husbands
good friend Mr. Mumford a local realtor as I recall. The realtor was hand
picked by Delphine and her husband. Both lots had to be listed
together because of the price of the note of $95,000. Remember Mr. Fierro
our Anchorage Alaska Attorney told us we could not give in to their
extortion demands to remove the illegal liens that they would eventually
place on the property or we would have no recourse
in court against them. Who can you trust if you can't trust your
Anchorage Alaska Attorneys?
I was specifically told by
other Council not Fierro that taking that much collateral on
that loan was against the Convenient of Good Faith and Fair Dealings, years
ago.
Not anything I ever agreed
to or signed further proven by the falsified
credit scores they showed specifically on me on that Bank Loan document.
They recorded false scores on me proven by the loan's I obtained all by
myself against three large pieces of company equipment at a local
credit union that shows my real credit worthiness' and score in that same
time period.
All three properties were Illegally Mortgaged for this loan and with the Couples
soon to be planned illegal
liens all our equity was now tied up leaving us
wide open for a planned deliberate distressed mortgage note
that was to be purchased by a planned rescuer for the $95,000 cost of the
note. First National Bank Alaska David Lawer states in letter shown
below someone came
to the bank with Delphine Elgee, me and Kevin on July 9,2005 to inquire about buying the
outstanding mortgage note.
Why would they mortgage two lots and a house for one loan that was Secured with General Contractors Contract for
only $95,000 on a home noted by Banks Loan Officer Jack Zerbel to be 75%
Complete ? Why?
My disabled son William was even a
target just because of the persons involved planning our families
demise knew his health issues of a chronic life time medical condition
and he was chronically sick at that time this was planned and
orchastrated and even hospitalized . He needed
and received more than full time attention from me as he should have.
It was promised as all
fraud, this sett up was fool proof as there were no options out for
Kevin and I as the two vacant lots and house had liens by illegal mortgage
notes and illegal
liens placed by the bank and the couple against the home and two lots
and by all appearances all our equity was now stripped and tied up between the
couple and the bank, Our only choice would be to sell the house and two lots to
the rescuer of the soon to be distressed note for the price of $95,000.
Getting the loans against the paid for
company Equipment at the Credit Union titled solely in my name was the
down fall to
the sett up and something they never thought of. We had the money
to finish the home in spite of their liens and carefully laid trap, but
barley and tremendous damage had and was to come from this planned sett up.
We
could borrow no more money because our equity was tied up by purposeful
fraud of illegal liens and illegal mortgage notes to many properties instead
of just one Construction Deed of Trust
to Lot 6 as it should of
stated on the original loan paperwork that I signed and was lead to believe
would be titled that way in March 2005, but wasn't. They signed
invoices for change orders with Trailside and in contract law that extends
your building contract and after they signed for these changes that June
date did not apply to their contract. The June date was null and had nothing to do with there
Trailside Log Cabins Contract once they signed change orders and new
invoices that were approved at FNBA by Jack Zerbel. Throwing the
contract away didn't make it disappear as much as everyone wanted it to.
As reflected in
Patricia Hefferans letter, the Bovards Attorney, the July 15th date applied to my and Delphine Elgee's
titled incorrectly on purpose mortgage loan and should have been no ones business
but ours and the banks, but it was shared information as proven in her own
letter. That also has been proven by David Lawers of FNBA General
Concil letter saying this was a
residential loan dispute. Information was shared on my loan that
should never have been. Also July 15, was the day they finalized the second home they
purchased as first time homebuyers and also was the day they placed their
first lien on the Trailside Log Cabins Home all part of the mortgage rescue
scam and events to come.
The Couple should have
received no information on my and Delphines loan as it had nothing to
do with them and was none of their business as it was not a residential
Contract I personally had with them as proven by the Faxed Earnest Money agreement and Commitment faxed
to the General Contractor who had a commitment with FNBA. We were financing the General Contractor
and our own Company who owned the property but titled in members name
as stated on our loan commitment with FNBA. We were financing our company
Trailside Log Cabins, LLC to finish a PRE-SOLD home.
WHAT DOES PRE-SOLD MEAN TO YOU
?
Another loan titled in Delphine Elgee's name for $10,000 was latter obtained in November 2005 to try and hide this
fraud by
getting an actual Construction Deed of Trust that's shown below on Lot 6 when the house was
98.9 % done when their mortgage rescue plan
failed using me once more for another fraudulent loan
transaction, proven and shown and documented below with facts. They were using me to hide a
crime of a mortgage loan fraud conspiracy committed against me, my family and both business and so
much more.
The bank told us if we didn't have enough money for
all projects we could come back for
more money because of all the equity we had in the home. That now was
impossible with the couples planned illegal liens. We also couldn't borrow
against the two empty lots or sell them either as they had the illegal
mortgages notes on both lots as well as the house,
all part of the plan. Our equity was stripped and what we had left was all
tied up in this planned Mortgage fraud.
The Couple was approved at this bank for this house
alone as shown by the banks faxes and title work even though this house didn't
qualify under the HUD program they were qualified for at the Bank.
(Go Figure)
The inquiring parties for
the distressed note were Delphines Elgee's good
long time friend and also one other person, her husband, either or right Delphine? This inquiry to the
illegal mortgage note is reflected below in a letter of July 9,2007 from First National Bank Alaska's General
Council David Lawer saying to me they never divulged private banking
information to anyone about our loan in GENERAL except to one other person
who inquired about the balance on the outstanding note who was with me ,
Kevin and Delphine
Elgee.
Our Attorney told us we had no legal recourse if we gave
into the extortion demands of money for the lien releases and we were latter told that was a lie.
They
all thought we would have no
choice but to sell the note to either of the rescuers connected to Delphine
Elgee. I was her daughter and a co-signer on the
note's and a member of the Corporation Trailside Log Cabins, LLC which owned the property but
was titled in members name Delphine Elgee and I was told my signature was
needed for various reasons as a member of Trailside Log Cabins, LLC
Corporation member? When I signed the loan papers here in Wasilla Alaska ,
they were brought to my home/business the collateral at that time was
a single home on a single lot held as collateral for a loan
with First National Bank Alaska secured with General Contractors contract showing
the home to be
75% complete on lot 6, so why?
I noticed they had my credit at about 582 and it was
in 700's. When I complained and wanted my credit score changed before they
sent the loan paperwork to Arizona for Delphine Elgee member of
Trailside Log Cabins, LLC to sign, they
said I wasn't needed on the loan paperwork anymore so it didn't matter. As
you can see by the loan commitment at the bank shown here that was not true
and I still was on the loan, once more they lied.
As I said previously I was able to go to a local Credit Union
and borrow money against company construction equipment that was totally
paid for titled solely in my name in 2005 to
finish the house and that could not of happened if my credit had been bad as
they portrayed on their illegal bank mortgage note's and bank loan paperwork proving they
committed another blatant lie and crime against me and my credit and credit worthiness
on official loan documents at First National Bank Alaska. I still today am reported to be on
that past loan although as shown below my name does not show on the internet
public record at the recorders office, but it does on the document shown
below.
The loan officer
was assured by all the parties involved in this sett up that the
$10,000 dollar earnest
money would be given back to the couple once the dirty deed was done and
distressed mortgage note and two lots were purchased by the rescuer for the
$95,000 note. The couple now
would have their earnest money back in time for the HUD house they
really intended to buy and had been shopping for all along with realtor, but it didn’t
happen that way and that’s why Delphine Elgee's friend called us at our home
on his cell phone in a panic and said you have to give the couple their
earnest money back after the couple placed a second lien on the property
after agreeing not to. They demanded more money from us and sent extortion
letters from the banks fax machine by the willing participate Jack Zerbel
our and their loan officer at First National Bank Alaska. He was the officer for all the mortgage notes
obtained by all parties at the bank. We were shocked by the call from Delphines friend as we had no idea he was even
talking to the bank officer or he even knew him at that point. Why was
he so upset that we were not giving them their earnest money back and what
was it to him anyway and why was he so upset about our business deal and how
did he know all our personal banking business? This was a sett up
from day one and was premeditated but was sabotaged when I obtained the
loans at the Credit Union. It still hurt us severely tying up our
equity for over six months, causing a financial avalanche over the next five
years with continued court action against Trailside Log Cabins, LLC from
this very mortgage fraud.
This was the focus for several years but
this was not
the bigger picture we were shown
in 2008.
What is the proper procedure that FNBA
abides by to sell a second home loan to a FIRST TIME HOME BUYER who has the
first loan with the GENERAL CONTRACTOR
The couple bought a second home, a Hud home at the end of June
and finalized it on July 15,2005. That same day they placed their first
lien on the Trailside Log Cabins LLC Home. We never knew they bought a second home until
fall of that year. Our Anchorage Alaska Attorney Certainly never told us. I guess they felt they were ok to do this because of the loan
I and Delphine received at the Bank due July 15,2005 that had absolutely nothing
to do with them and they had no right to that specific information at the bank.
We were financing this
PRE SOLD home for Trailside Log Cabins,
LLC that the couple purchased in March as Noted on our Loan Commitment as a PRE SOLD homeas written by the bank
officer.
I had no residential contract personally with the Bovard's
shown by Commitment faxed to the General Contractor from FNBA.
Our Company Trailside Log Cabins, LLC had a General Contractors Contract with
them and a Commitment from the Bank as proven with fact. The Bank faxed that commitment to
Trailside Log Cabins LLC on
March 25,2005. Delphine and Kims
Loan Stating its a PRE SOLD HOME Bovards Contract was with Trailside log Cabins LLC as shown by the
faxed earnest money agreement and Commitment from First National Bank Alaska
shown above.
My and Delphines loan stated it was a
PRESOLDHOMEon our loan commitment from FNBA as shown below, something you would feel totally secure
about as stated on our loan in those exact terms.
You would never think the same exact Bank would sell them a
second home with the same exact Loan officer. Why?
You would also think the bank would have
notified the General Contractor in some form or fashion they were unhappy and
felt we breached our end of the deal instead of just throwing the Contract away
and denying it ever existed as proven in the letter from FNBA saying this was a
residential loan dispute. The bank said nothing to us.
They just sent extortion letters for the couple over the banks fax machine to
Trailside Log Cabins, LLC to help them get their earnest money back all part of
the mortgage rescue scam and infliction of mental cruelty.
This
document acknowledges me reporting this fraud in past and present.
Alaska Attorney General "RE: Complaint #2007-09-2626;Elgee,First
National Bank of Alaska"
My Attorney never talked to OCC that I ever
knew but my Attorney also never talked to me either as shown below and proven
below.
"Bank Fraud in the State of Alaska"
"Alaska's Abusive Lender"
We were awarded Judgment in
Anchorage Superior Court by Judge Donald D. Hopwood
AS stated above we were awarded judgment but just for the illegal liens and Attorney fees as we were to
go back to court after tallying our additional damages as shown below on the
judgment where the Judge writes in his very own hand writing ("at a latter date") but our Attorneys would not do
that and we couldn't get them to budge or find other representation for this
CIVIL case (Ha Ha). Actually the Attorney General proves this in a
letter shown below responding to Senator Ted Stevens in letter about this fraud
I wrote the Senator about. The Attorney General acknowledges in letter we were to
go back to court for the Judgment. Why wouldn't we want our Judgment
awarded to us? We didn't know at the time the entire scope of the
case or who was actually involved in it until the truth surfaced years
latter like a great big fat Bank turd.
Both Attorney hired by Trailside Log Cabins, LLC just stalled this case as
proven and shown below. We had a case evaluation as well saying they dropped the
ball. They wouldn't work on the case after the liens
were removed and they wouldn't
answer the phone when we called them or get our Awarded Judgment. I think
many Attorneys in this state can't practice their own craft. What a
waste. Welcome back to England. For instance we were never told about Mandy Bovard's
fraudulent affidavit shown below submitted to court which we could
have easily proven was a lie if we would have known about it from either of our
hired Attorneys supposedly working for Trailside Log Cabins, LLC not specifically
Delphine Elgee or First National Bank Alaska for that matter. The Attorneys did take our money and Delphine
Elgee had Trailside Log Cabins LLC pay for her own Attorney bills too not
at all beneficial to the Corporation Trailside Log Cabins, LLC as proven
and shown below. This other firm Trailside Log Cabins paid money
to said they would only work for Delphine Elgee stated right up front in 2007
with signed agreement. We never questioned why at the
time but I know exactly why now, Delphine. Although this same Attorney
firm did represent Kevin Alfonsi in another suit against a client with the Birch
Syrup Company years ago in 2001 against a client with the exact same Attorney
Patricia Hefferan. I find it kind of interesting Delphine Elgee paid
them all from Trailside Log Cabins, LLC Corporate account at Northrim bank here in Wasilla
Alaska when they did no work for
Trailside Log Cabins, LLC Corporation as proven by what has transpired in this
case shown below.
Why Delphine?
I would like the money back from everyone not working for the
benefit of Trailside Log Cabins, LLC that Kim and Kevin members of Trailside Log
Cabins LLC, were lead to believe were by Delphine Elgee.
Just hit the links below to open the Docs
The Documents are scanned and shown below. When they
first load up they are large and then reduce by themselves after they load.
AS 11.41.530. Coercion and AS
11.41.520. Extortion AS.11.41.510.
What is embezzlement and what does it
mean? What is Conspiracy and what does it mean?
Why did both of our own Attorneys Kevin Brady and Fierro refuse go back to court to get our
Judgment for us?
Why the lack of progression boys? Why take money from
Trailside for non performance?
Broke Agreement after receiving $9,000.00 and put new liens on
Home and demanded more money November 4, 2005. Faxed Extortion letters from
First National Bank. ( I think there was some real anger from a failed Mortgage Rescue
note
attempt.)
I never received the letter from David Lawer at FNBA OCC
is referring to a date given of April 17, 2007as proven by the one I actually received
from him that's shown below including the Envelope it came in. OCC in all
honesty could be confused as well on the two loans being one was
fraudulently titled as a residential mortgage on several pieces of property making it residential and then there's
that other loan created to hide the mortgage fraud scam with an actual
Construction Deed of Trust just on lot 6 created to hide this fraud. So I guess David is talking
about the first loan on several lots titled as a residential mortgage and OCC is talking
about the second loan on lot 6 the Construction Deed of Trust used to try and
hide the scam. Would someone address the fact I and Delphine Elgee
had a commitment from FNBA to finish this PRE SOLD HOME.
First National Bank
Alaska's Letter States this to be (Residential)
FNBA Denying Contract with General Contractor at the specific date
of
April 25, 2007
saying it was a Residential Loan Dispute Contrary to OCC and Alaska Attorney
Generals Letters state after my OCC investigation. Why? When
OCC did there investigation of the case which was lengthy I was told they
didn't have a copy of the contract or earnest money receipt. I was asked
during the investigation to send it to them. The Bank apparently threw the
contract away proven by their own letter shown below showing this loan to be
residential at that time as stated by First National Bank Alaska.
Attorney General Acknowledging this loan now to be a Contract
Dispute with General Contractor Contrary to Banks letter shown above at the Date
of April 25, 2007
Attorney Patricia Hefferans cleverly written Letter trying to
hide the mortgage fraud
with the words Construction Mortgage. Does not designate
property she sees on the public record in letter by lot's and block on letter.
Why? Too many lots to count Patricia? Number too big for you?
Has everyone finally figured out how important that second
loan of a Construction Deed of Trust for $10,000 dollars was to hide this mortgage fraud
rescue scam?
I have just been so devastated and hurt over the years by this
fraud and confused as to why someone would do this to me, my three year disabled
child and husband. Why did we deserve this treatment? Why would you
do this to us? This is just so unnatural to me. I don't plan other
peoples demise I plant flowers or do something fun. I don't get it.
I guess I'm normally too happy for some people. They say that's the best
revenge and something I plan on working at full time.
State of Alaska Recorders search web site address below.
The link below might be slow so copy and paste it into your
browser
Many Recorders Documents are shown below with the tax assessment of lot 6
at the time and letters from Senator Stevens and the OCC and a past State of Alaska Attorney
General
TIE UP THEIR EQUITY # 1
TIE UP THEIR EQUITY PRIORITY ONE FOR
THE SCAM TO WORK
WHICH WOULD REQUIRE PUTTING A MORTGAGE AGAINST
BOTH LOTS AND THE HOME
IN THE BEGINNING
TOO MUCH COLLATERAL WAS TAKEN FOR THIS LOAN
(PERIOD)
Two Lots and a House on another lot noted to be 75% complete on loan
paperwork shown below
mortgaged by
First National Bank Alaska (took 3 separate properties)
for a $95,000 (Ninety Five Thousand) dollar
mortgage in two members name.
Stated
on loan papers shown below to be a Pre-Sold home secured further with
General Contractors contract with couple with commitment
faxed from the bank and purposefully titled incorrectly as a
mortgage deed of trust against three properties all part of the fraud to hide it latter.
Number
1. WHY
WAS ALL THIS COLLATERAL NEEDED FOR THIS LOAN ?
STATED ON LOAN PAPERWORK TO BE APRE- SOLD HOME AS WELL
Do you know for sure how your mortgage
note is titled at the recorders office and for sure what the bank or
mortgage company used as
collateral?
"VERIFY IT"
MARCH 17, 2005
MORTGAGE DEED OF TRUST RECORDED AGAINST LOT 6,7 AND
8
This alone without anything else was totally abusive to take
all three properties as collateral. Apparently its ok in Alaska and is not seen as any violation under Alaska's
consumer protection act as noted by past Attorney Generals office in letter shown below.
I specifically have a problem with recording a
Construction Deed of Trust as a plain Mortgage as Mr. Lawyer of FNBA points out
himself in the April 2007 letter shown below, but that's just me and how
picky I can be and after all I'm just the mother of a special needs child a
perfect victim. If it was latter determined to be a contractual
dispute by OCC than why is there a mortgage deed of trust recorded on my house
instead of a Construction deed of Trust?
The bank officer was more successful with the second attempt to record
a construction deed of trust at a latter date.
NOVEMBER 25, 2005
CONSTRUCTION DEED OF TRUST AGAINST
HOME ON LOT 6
Home was 98% complete when this was
recorded
TRYING TO HIDE THE FRAUD
A second loan was
needed to try and hide this fraud
Lets all try and hide the fraud and really get a
Construction
Deed of Trust on lot 6 on a home that's 98.9% complete this
time as well as some much needed signatures from naive member Kim Elgee.
Shown below is copy of the
Commitment by the Bank on their Illegal mortgage loan showing them
abusing our collateral, and its worded all strange leaving out the couples
name on the PRE SOLD HOME as stated below to suit their needs of a planned
mortgage fraud and conspiracy.
Notice above on the recorders
records Delphine Elgee's Construction Deed of Trust comes after her Mortgage Deed of Trust but only for $10,000 not the $95,000 the attorney Patrica
Hefferan says she sees at that specific date in September 25,
2005 when her
letter was written that's shown below. Patricia says in her letter she see a
Construction Mortgage is due. Where? There was
never a Construction Mortgage at anytime on the four year old home, another big fat
lie by the Attorney Patricia Hefferan as proven and shown here. She
knew that Kevin and I would expect her to see a Construction Deed of Trust due on that loan that she said
she saw because she knew that we were lied to and betrayed and that this was
a sett up from day one as proven by her own letter and what she says she saw on the
public record at that date and time. Nothing with the words
Construction was recorded at that date and time at the
reorders office on that specific property just a Mortgage Deed of Trust
against three lots.
That was something that was created latter in November to try and hide this
mortgage fraud when the
mortgage rescue plan failed.
What she saw on the pubic record on September 25, 2005
were three separate properties recorded on March 17,2005 which included the
pre-sold home the couple
contracted and purchased from Trailside LogCabins, LLC on one
Mortgage Deed of Trust under Delphine Elgee's name. All that was recorded at that
time that she could possible see was a Mortgage
Deed of Trust
against two lots 7 and 8 and the home on lot 6.
Patricia Hefferan their Wasilla, Alaska Attorney as you may have already figured out
chose her words
carefully when she wrote her letter shown above in September as to not draw attention to how the
note was really recorded at the State of Alaska recorders office by First National Bank Alaska.
Notice she uses Mckinley Title and Trusts file number and never really
references the lot's and block of the house/property on the note she is
referencing in her letter. She uses the address as the bank did on the
Earnest money receipt. Why? As I said her letter and documents
were to go with the fraudulent affidavit from her client that we were blocked from going back to court to respond to. Trailside
Log Cabins, LLC
attorneys would not budge, answer our phone calls or pursue this case for us, It was as if they were working for someone else. Hmm,
but who?
"We
were blocked from going back and collecting our judgment because of the
power of the bank and the lack of progression from our very own Alaska Attorneys
that should have been specifically working for Trailside Log Cabins,
LLC". We
had a written evaluation saying they dropped the ball.
Do you think
the Wasilla Alaska Attorney Patricia Hefferan knew an actual Construction
Deed of Trust would eventually be placed all by it's little ole lonesome on
lot 6 in the near future with Delphine Elgee's name one it ?
It sure appears to be the case doesn't it. How many conversations did Patricia Hefferan have with Delphine Elgee the biological mother of Kim Elgee
both members of Trailside Log Cabins, LLC an entity in Alaska?
A Construction Mortgage
is only used for brand new Construction and that's what they were all trying
to hide as shown by the Affidavit of Ms. Bovard's scanned and shown on this
site where she makes reference to buying a bare lot, not an unfinished 4 year
old home, a perfect lie. It needed to be brand new construction/ or
a finished home of at least one year proving once more they never intended on buying the home from the
very day we met them at our office. They received their loan for a
residential home loan a big secret of theirs and many others. The affidavit shown
below would also point to that lie and Heffernan their Attorney could use
her letter in court along with her clients affidavit pointing to it being
brand new construction on a just purchased lot, a big fat lie. There was never a
Construction
Mortgage at anytime on the unfinished 4 year old home. It should have
been recorded as a Construction Deed of Trust on just
lot six on that very first original loan acquired at" First National Bank
Alaska " in March, 2005 , but it wasn't. Why?
First National Bank Alaska recorded that second loan of ours
correctly this time
under Delphine Elgee's name on lot
6 for $10,000 on November 25, 2005 when the home was 98.9 % finished just shortly after Patricia Hefferan wrote her letter to us on September 28, 2005. First National Bank also recorded this
second note of ours
this time as an actual Construction Deed of Trust
and on just lot 6 after the initial mortgage fraud rescue attempt failed on
the first note fraudulently
recorded as a Mortgage Deed of Trust on lots 7
and 8 with home on lot 6. It appears the officer was
trying to hide this fraud under some clever thought out paperwork. Is
Patricia Hefferan a Psychic Attorney? Maybe that's Patricia's true calling
as she seems to be gifted in future predictions.
When the plan backfired they were scrambling for a
way to hide everything
so I was asked once more to sign loan
papers again and this time it really was for a Construction Deed of Trust on just lot 6 for
$10,000 dollars like it was suppose to be
on the original loan but several months latter
as shown above. This time we
actually went to the bank to sign the loan papers, they were not brought to me to
sign like the original loan papers of March. We did go to the bank July 15,
2005 for an extension on a whatever loan type it was.
Residential Mortgage, Mortgage
Deed of Trust or Construction Mortgage
or a Construction Deed of Trust.
We
did need more money and were desperate for the finishing touches to be done
and just to pay everyday bills after having the purposeful liens on our
property for six months.
Shown above is my loan I received funds for that I never did sign and was told I wasn't
needed on after I complained about a false credit score and wanted it
changed and then latter I ended up on it anyway all altered and reworded to
suit someone else's needs, and it had all
the lots and the home to be used as collateral by First National Bank
Alaska. The loan I really signed for at my business/now home was
using only collateral of lot 6 with home on it nothing else and it was
changed by someone at sometime. I never had that low of credit score as
proven or the credit union would of never given me the loan against the
company equipment I used to get funds to finish the house. I complained
about the score and was told it did not matter as I was no longer needed on
the loan.
No one explained anything to me
but just wanted my signature and the
papers were sent express to Arizona after that for Delphine Elgee to sign
also a member of Trailside Log Cabins LLC. Mr. Zerbel can word this loan anyway he wants
and has, its
just not true. The Smiths were also to have a home built on Lot 7 and
the mortgage and illegal liens all prevented that from happening. A block
foundation was put on lot 7 ready for that house and still sets empty today next
to the House on lot 6 in Birch Harbor Estates. Kevin would
of never agreed to have lot 7 mortgaged with another Trailside Log Cabins contract on it
a well known fact to all members. I was
told all the lots should never have been used
as we had the contract and it was stated to be a pre-sold home as shown
below.
The couples signed change orders and altered original plans all to stall the
construction. Asked us to take the roof off after they put offer and
acceptance on another home
and we didn't know it at that time (Attorney Doc). We were all members
of Trailside Log Cabins, LLC Delphine, Kim and Kevin and
Jack Zerbel FNBA loan officer was more than aware of that so how he words the loan is false.
We had to bring him our corporate papers the signed loan contract plans and
well log information. It was inspected and most likely by him.
It should of stated two members of Trailside Log Cabins, LLC Delphine and Kim
were getting a loan to finish a home Trailside Log Cabins, LLC has sold to the
couple in their names. It should have stated Delphine and Kim are
members of Alaska Birch Syrup Company too and are getting funds for that
business since he wanted to put two business loans on one Construction
Mortgage or as he preferred to call it and record it residential
mortgage. (That I believe is a no no as well ) Kevin was put on a draw
account for checking for whatever type of loan it was that day.
I had and have a past and still
active and current relationship with First National Bank Alaska with
my mother Delphine Elgee as shown below on the recorders record and our
payment booklets. This was my mothers bank and she had known them and
used them for over 30 years in her business and investment adventures . When
we built our cabins we went to her bank that her and her friend and past
business partner Mark Wilson used, First National Bank Alaska.
"This is still an active loan today"
ACCOUNT 2818021413
This was also a
business loan involving Trailside Log Cabins, LLC which can be proven by
past IRS tax records and they were hired to build two log cabin rentals at
Trail Masters LLC at 2150 S. Endeavor Street, Wasilla Alaska. My and my mothers
log cabin rental and gift shop business at the time. We received this first loan at her bank of 30 years as shown below
against property I personally owned and purchased out right in 1995 and
no money was owed on the land or building at the time of the original loan. When
it looked like we were in a bad financial situation from this specific fraud
at this specific bank my mother Delphine Elgee asked me if I would be
interested in signing a lease with her friend and long time business partner Mark Wilson to put a
second Cadillac Pizza take out at this location of 2150 S. Endeavor Street
Wasilla Alaska. Delphine, my mother stated Mark Wilson was just
interested in renting the building to make and deliver pizza from not have a
restaurant. Kevin and I said absolutely not. This loan is still
active today in my name with her as a second co-signer as her name was never
on the property. I have tried to refinance this loan especially after
the fraud that happened but because of the loss of over $300,000 dollars my
home exc. I haven't been able to so far. I don't fall into the special refinance programs
many others do that Mr. Obama thinks are available to people like us, people
that I prove right here at this site don't count. We actually earn our
money and invest and work hard and others as proven steal. That's what
our country admires and puts on pedestals. I will not be surprised
when we all go Egyptian on them.
Kevin and I were naive to the specific wording of the Attorney
Patricia Hefferan's letter written to us that September 2005 shown above and
Patricia knew that looking at the public record herself and just
seeing the words Mortgage Deed of Trust on several
lots. She
couldn't help but see that all three separate properties were used as
collateral for the mortgage something she never mentions at all in her
letter. Why? We never
looked at the public record something they all counted on until just a few years ago as we had council
doing that for us as shown by the judgment we received. They never really
mentioned it either. She couldn't use just the word mortgage as
shown on the actual public record or we may suspect something.
This loan had a draw account with Kevin's
name just like the
previous Construction Deed of Trust shown above.
This Trailside Home and two lots were titled in Delphine Elgee's name a Trailside Log Cabins member which is
commonly done in many Businesses. The Company equipment was titled in
my name which apparently was forgotten by many and that's why I was
able to mortgage at the credit union to get the funds to finish the house in spite of all
their illegal mortgages and illegal liens. Why was it so important to
have my name on the Delphine Elgee's loan at First National Bank Alaska? Lets all take a guess.
Better yet, lets ask Delphine.
I didn't have to have a
co-signer for the loans I received against Trailside Log Cabins company
equipment at the credit union to finish the home on lot six in Birch Harbor
Estates
Unit two . Delphine Elgee had made it clear to me when I
went to the Credit union she would not be part of that loan I was getting at
the credit union. She was
disappointed I didn't sell the note to either of her two rescuers
close in relationship with her, one of them her husband Jay Gage.
I also went to Country wide
to apply for the home in case we couldn't find a buyer in time and was
approved with a 90% letter.
The judgment awarded to us and shown below shows all
members of Trailside Log Cabins Kim Elgee, Delphine Elgee and Kevin Alfonsi.
.
The Banks Attorney
writes us about a residential loan not going through as shown
above. Did the Attorney General and OCC discuss that with him as remember
they said it was contractual dispute and the bank is stating its all
residential. Are you confused yet? That's all the banks attorney has
record of according to his own Bank Attorney written letter at that date and time. (RESIDENTIAL)
The department of natural resource
record shows a mortgage for $95,000
dollars against three separate properties and that was the loan I wrote him about not the $10,000 Construction
Deed of Trust latter put on that property used to try and hide this fraud which he could also easily see on the
public record at the State of Alaska Department of Natural Resources recorders
office. So I guess its both and it would be nice if the Attorney General
would acknowledge both loans.
The banks attorney also states in the letter he has heard that we had a disagreement with
the couple about a refund or a down payment of deposit on that
residential sale that fell through and doesn't acknowledge
the (Earnest Money receipt) shown below faxed
from his very own bank
shown at the bottom of this page on that date to the General Contractor. Why?
He cant seem to bring himself to utter the words "Earnest Money".
At that date on that very day the FNBA attorney did not acknowledge a
contract with General Contractor as shown by his letter written above on the
date of April of 2007. Why?
Me and my
husband and child were dragged through the mud from lies, fraud financially
and emotionally. If it can happen to me why
can't this happen to you at First National Bank?
As I stated above and will do once more just for dexterity, do
you suppose the latter acquired $10,000 dollar Construction
Deed of Trust on lot six in November 2005 was to match the earnest money amount
of 10,000 dollars for whatever reason? I was very much encouraged by member to
go to the bank and get this second loan of $10,000 and sign papers. Even
though Delphine Elgee would not go to the credit union with me to get the funds
against the company equipment to finish this home she did encourage me to go
with her to the bank for the Second loan titled as a Construction Deed of Trust on lot 6 to get the additional $10,000 dollar loan
and yes she would be a part of that.
HOW KIND OF HER.
BOVARD AFFIDAVIT SHOWN BELOW
A GREAT BIG FAT LIE PROVEN BY THE PURCHASE OF THE FOUR YEAR OLD UNFINISHED HOME,
NOT A BARE LOT AND NOT A HUD HOME.
Shown below with a link to
Alaska Court View on this case
Affidavit of Mandy Bovard & Exhibit A, Exhibit B
Patricia R Hefferan (Attorney) on behalf of Mandy Bovard (Defendant)
0.00
0.00
STILL TO DATE NO RESOLVE FROM THIS
LOAN FRAUD
1. I lost my home that I built with my father in 1984 which
devastated our entire family, especially William being placed at the new
school
2. Our fake never intended $200,000 dollar contract was
sett up and stolen
by fraudulent means shown and proven below
3. Our IRS tax return shows a loss of $300,000 dollars for Trailside
Log Cabins, LLC
from this specific fraud from that year alone (send for a copy)
4. Trailside Log Cabins, LLC
lost the second (REAL) contract next to the house for $200,000 on lot seven with the
Smiths because of this fraud
5. We are still being sued and are
still being brought into court for not fulfilling cabin contract
because of this fraud and Kevin's PFD is garnished for that judgment, nice the
law works one way in Alaska, it would be nice if we actually could get due
process our selves.
6. Our family and our son were denied our Civil Rights
as proven and shown below
7. I asked in letters to be made Whole Again from this fraud. The response to that is
shown by the bank below in letter saying they owe us nothing.
This all turned into such a mess after the well laid out
mortgage note rescue attempt failed by the rescuers. No one was quite sure what to call the loan
after that Residential or a Contractual
as this apparent scam was never to go this far and it needed to be weaved into
one or the other.
The note was to be purchased by the rescuers and the $10,000 earnest money was
to be given back to the couple as promised. It was never to go to court but it did indeed
and we were awarded judgment from
the illegal liens the couple placed on the property weather they really intended
to buy the house or not.
While in contract with us to pretend to
purchase this first home a
realtor was hired to start shopping for a second Residential HUD home a great big
secret of theirs. It appears by attorney docs this original home and the
second Hud home shared the same collateral numbers
WHAT IT THE PROPER PROCEDURE
THAT A CORRUPT BANK LIKE FIRST NATIONAL BANK ALASKA ABIDES BY TO SELL A SECOND HOME LOAN TO A
FIRST
TIME HOME BUYER WHEN THE FIRST HOME IS WITH A GENERAL CONTRACTOR THEY
BOTH HAVE GIVEN A COMMITMENT TO.
NOT A HUD HOME
This house was also presented in court as brand new construction on a just
purchased lot from what I saw on the last fraudulent affidavit of the
Bovards
submitted to court shown above, of course I wasn't able to respond to that being locked out
of the legal system, but I can respond here and now. The Matanuska Susitna
Borough tax record for lot 6 shows a log home on that very lot determined to be built in the
year 2000 and still unfinished in March of 2005 as stated on my own loan doc and
said to
be 75% complete. The Trailside Log Cabins,
LLC home appraised more than the
second home they purchased. They would of had $30,000 to $40,000 dollars of
instant equity. They could of turned around and sold it and had that much
money to put towards another home. Tremendous planned and deliberate damage had already been done to us by
that time and the dominos were falling as planned. We had illegal liens placed on
that specific
property by that couple that were eventually removed by Judge Donald D. Hopwood in Anchorage
Superior Court six months latter as the
scanned document shows below. The couple shown on the court
document below were just part of a plan. I doubt they knew exactly what
was going on but I do believe they were encouraged to act in a certain
manner and were lied to and manipulated to for the events to go according to
schedule. They were being lied to so someone else could steal this property
right from under them as well as us.
Even after arrangements and agreements were made
between two attorneys they removed the liens took money from us and ran back and put other liens on the
same exact property and faxed letters demanding more money from the bank.
The Judge was never shown the letters of demand, I wonder why and what he would have thought if he
saw them? He was just upset about the liens and them taking money from us
and extorting it again. The liens and its final release by
Judge Hopwood are shown below and recorded at the Palmer recording
district. The Judgment we were awarded is at the bottom of this page. By all appearances it looked to be a "
Foreclosure Rescue Scam" . I was told by an attorney that it looked like
someone was trying to steal the land. He asked me if I knew who Wild Bill
was. I believe his name to be Bill Nelson. He said a couple of
crooked attorneys sett him up to steal his land and this looked exactly like the
same kind of deal. Everyone knows who wild Bill was especially
Attorneys. Bill drove around with a van that had a toilet seat on top of
it and signs by the toilet saying something to the effect of how all the
Attorneys need to be flushed. The first clue something wasn't right was when my
Partners Buddy called all upset and said he talked to the bank officer that
morning and we needed to give the couple back their earnest money. That
had always stuck in my mind for years. He
called our home phone from his cell phone. The last four numbers I believe are
the year of his birth. His call came shortly after the November 4th liens.
How did he know about the liens, our loans and our personal business and why was
he so upset about it demanding in a panic we give them their earnest money back?
Almost screaming at us we had to do it and now. I called my partner and my
attorney right after he called us at home and they were not happy at all he called
us. The Attorney was asking who he was and was getting very upset?
They never had
intentions of ever buying this property proven further by the loan type they received
specifically HUD
Residential and when they received the second loan.
Just how many home loans can you get as a first
time homebuyer? I guess it depends on the bank officer involved. One
in Donavon Estates (Residential) and one in Birch Harbor Estates (General
Contractor). Don't you have to tell the General Contractor you signed with
for the Original first home loan that you bought a second HUD home as a first
time home buyer. Doesn't
HUD
want to know if your in contract for
another home as a first time home buyer? Well it is Alaska and it appears the
rules are a little lax. As proven by the Judicial system at work here in Alaska,
I don't know if we really are a part of the actual United States from my own
personal experience with the law and I must admit I can't see Russia from here
even when I stand on a chair and look out my window on the second floor of my home.
The General Contractor never
heard a word, not a phone call or one letter from the FNBA saying they bought another home
and wanted out of this contract, just illegal liens with faxed nasty
letters from the bank of which they were demanding their earnest money back all
part of a well laid out foreclosure rescue plan attempt by all appearances with help of illegal liens. It
appears at that time by the first letter I received shown above First
National Bank Alaska says it was residential dispute by Attorneys own
investigation. The contract with the General Contractor could not be
located at that time after their own investigation as shown above. I do
want you to know when all was said and done the Original home appraised for more than the second home the
couple
purchased. Kevin and me ordered our own appraisal a big secret of ours. We
knew something weird was going on but we didn't know exactly who or what so we
called up FNBA didn't say who we were and asked a clerk who did there appraisals
and ordered our own secret appraisal without anyone knowing. We didn't
want any loan officer assistance with our appraisal order. It came out
great and we found another buyer and we asked them if they had a problem
financing it at a different bank than who we had been dealing with.
AS 11.41.530. Coercion and AS 11.41.520. Extortion
or
Robery AS.11.41.510. EmbezZOLM
AWARDED JUDGMENT AS
SHOWN (BOTTOM OF PAGE)
Department of Natural Resource Documents
Click on the record and it will take you to their site and to the exact
record
Broke Agreement between each of our Attorneys and faxed letters
shown below
demanding more money. Letters below faxed from bank on November 7th and
once more on November 14th . Judge Hopwood
never saw the letters. Why?
The Attorneys Lawyer says I asked Jack to
fax this letter to me which is simply a predatory lie. Why would I use an
officer of the bank when I had an Attorney they broke agreement with as shown
below in Attorneys letter?
Notice as well it says property once more. Why didn't they use the word house?
The house was noted to be 75% complete. We also had two lots
next to it and both lots were used for collateral for the loan too, Why?
The house was on Lot 6
The real-estate agent that finally sold the
house to the new buyer said I can't list the property as brand new construction
because the house has been in a state of progress over several years and we
agreed. We were finishing it as a spec home and thought we may even live there.
This couple came to our company to enquire about building a home and we took them
to see the model down the road. They said they wanted it without any hesitation after seeing it. I don't know how a date was actually determined in that situation
but I looked at the record on the taxes and it says the house was built in June
of 2000 probably taken from the tax assessment of when a structure was noted by
Borough assesment on
it easily seen by the bank and any realtor as proven in the year 2005 as shown
above right before the house was completed and sold. The log shell and roof
was put on about 2003/2004. We disassembled it once and took the logs down
and sanded the logs again and put them back up before the roof went on. Kevin worked on it when he
had free time and extra money. The year 2000 was the
year I believe the foundation was put in and that's what they aged it by. There was indeed a house and we can
tell by the loan record above on March of 2005 the Loan documents states it to
be at 75% complete. The house had not been
finished for several years of which it would not qualify for HUD. The house was
still unfinished inside as of that date on that loan in March of 2005. All
this was easily verified by real-estate records, tax assessment records and by the
banks own loan paperwork shown above.
This was a Beautiful custom Log Home so it sold
extremely fast once we could remove their liens and have our equity back. As I stated before this home appraised for more
money than the second home they purchased. I believe the instant equity
they would of had was around 30 to 40 thousand. I'm pretty sure that secret was
kept from them.
THERE'S ARE SNAKES IN MY
SOUP
I
didn't know what happened to us. I couldn't figure it out for years.
You can only imagine. I wrote letters guessing things and researching
things because I had no representation and no help. I had no reason not
to trust my family. I had Attorneys that were sympathetic but could
offer no assistance and I was given a few clues by them. I remember one in
particular having a short temper with my mother Delphine and saying it looked like
someone was trying to steal the land. My mother Delphone sett up appointments and took me to several Attorneys to
confer with them and Trailside Log Cabins LLC paid for those Attorney bills. I wrote
Banking and securities in Juneau and sent them documents and they filed a
report. I asked OCC for an
investigation and sent in at that time what I thought they might need for an
investigation and that's when I faxed them the contract because they said no
one could find it because as Mr. Lawyer points out above the contract
disappeared at the bank the loan was recorded as a residential
mortgage not a Construction Deed of Trust at that time. I wrote Senator
Ted Stevens and went to his office and the Attorney
General and e-mailed Governor Palin and Ombudsman because I felt and
was lead on to feel they had abused an elder all this letter writing and
investigating with a sick baby with Williams Syndrome at my side. I have two letters from the
Attorney General and OCC scanned and shown below as well as a letter from
Attorney General to Ted Stevens. I had a
surprise visit from Delphine Elgee and her husband Jay Gage on Christmas
morning of 2008 when I had given up perusing the fraud, asking me to pursue
the fraud just one more time for her and she brought me the papers to fill
out again for the Ombudsman. I hadn't seen her or Jay for months since they asked for a Power of Attorney over my
assets. I hadn't seen them since I was given the knowledge of what
happened as shown above a few months prior. She was saying how I needed to
help her with her bookkeeping and that I was indebted to them.
Actually wanting me to move into their home in Anchorage after I sold my
commercial property and paid them back the money I owed them that they lost
from this fraud. I was
devastated and could hardly talk without breaking into tears for over two
months finding out this was done on totally maliciously on purpose in a
conspiracy. I let her no that
very Christmas Moring of 2008 I had much more knowledge
than I had before. I asked her why she had never written one letter
on her own behalf but encouraged me to for years.I asked why her sons
George or John never helped her once pursue this bank fraud as any child of
an elderly parent would? I went down stairs to where her husband
was waiting and I told Mr. Gage that was waiting
down stairs for her that she just asked me to write the Ombudsman on elder abuse on the loan fraud
for her one more time. Her husband flipped out
and started screaming at
her to shut her GD mouth. I had a feeling Jay didn't know
what she was asking me to do when she was upstairs and out of his
site. That's how she works dripping her carefully laid out poison of
lies and deceit something she has mastered during her life and I was victim
of most of many times in my life through the years as proven and shown here.
My late father was a victim too and abused so severely, I was a victim because I
wanted her love just as my father was, something I have very much grown over the last few years to
live happily and joyfully without. I was
told never to discuss pursuing the bank fraud with Jay her husband as it only upset him
because of all the money he lost in this fraud so I never did mention it until that
morning. I was eager to see his reaction and it validated the information I received. I heard over the years how he deplores profanity
but it seemed to slide right out of his mouth that very Christmas morning of
2008. They just looked at me startled and literally ran out of the building
and I have never seen them since and I never, ever, ever will again if I can
help it. There was absolutely not one excuse they could come up
with what they did to me, Kevin and specifically William a three year old
child with Williams Syndrome. When we lost our home and moved to the
Gift Shop and I told my mother William was crying she said he should just be
happy to have a roof over his head.
JUDGMENT SHOWN BELOW
After this happened I was told I had no
choice but to report
it to OCC if I wanted help as their was simply no one else that could help me.
(Office of the Comptroller of the Currency)
I never reported it to any other Government
agency at that time in 2007 the height of all fraud in the good old USA.
Me and millions of other trusting souls all across the United States reporting our fraud to OCC. Here is their link
www.occ.treas.gov
I wrote to Sarah Palin and was told she
was forwarding it to someone I wouldn't want.
I wrote to Senator Stevens and others and would get letters back saying OCC is
the only agency that investigates loan fraud at National Banks as there are no
States rights for National Bank fraud. There are no States rights as far
as National Banks go "period". Several Attorneys looks at what happened to me
and saw all kinds of fraud I assure you and noted to me federal, state and
real-estate fraud of various kinds. All you can really do is write to the
back prove what happened and as proven here nothing will be done. The OCC looks at it and says
its a contract dispute with a
General Contractor, not a word about HUD,
Extortion letters, over use of collateral or
anything else and there was so much more, is that really all they could see? I think,
I'm pretty sure the country was blind to anything at that time and I have
absolutely no reason to believe it's changed. That essence of Bush
and the fun time had by all still linger heavily here in
Alaska. Alaska lives on fraud and was built on fraud.
Well I suppose
it was a contract dispute amongst many other things after they found the missing contract that I faxed to them.
It also appears at one time it was a
Residential dispute
too according to the banks own attorney
letter shown
above by when they had no contract
as it apparently disappeared at the bank. The OCC
investigation took place after that letter was written to me from the bank
stating it was a residential dispute. It also depends on which loan your
addressing, the first one in March for 95,000 or the second one used to hide the
scam for $10,000. Then their is the third loan of the couples as well for
184,000. Its
all so confusing isn't it. Well, just add a sick baby into the mix and try
and figure it all out.
I was in such as state of total grief being defrauded with a sick baby I didn't
know what and what not to send OCC for an investigation and I was doing all the
sending I had absolutely no idea my Attorney was talking to OCC. Wouldn't
my Attorney tell me that? During the OCC investigation on this fraud I received many Phone calls to my
home from a 000-000-0000 number and would answer it and no one would be on the
line making all those scary stories I read about OCC and National Banks all seem so real.
Then I started getting these weird ads saying you need to get life insurance in
an unbelievable amount not just the norm every so often. Then I was told
by an aid that some people like me just end up having bad car accidents.
Or another Alaska choice is just the good ole car bomb like what happened to a
past Attorneys wife, Mrs. McKay. The McKay building always has creept me
out after that and I think every other Alaskan that knows the story too.
We see that building we think of that corruption here in Alaska and how that
wife of that Attorney was bombed fighting for custody of her child. Tear the
building down, it is nothing but a reminder of just how corrupt Alaska is. The calls came about every hour about three to four times a day for
several months. I called the phone company and told her of it and
she said it had to be from an institutional facility, but she said she couldn't
tell who it was. What are we suppose to do, live scared like the citizens
in other countries we point to that we supposedly better off than,
were not a third world country, right? Well, not quite yet, just
wait a few years. Well, I guess as long as we live in denial and not
change anything that lead us to the crisis 2008 then its going to get a whole
lot worse. Sticking our heads in the sand certainly never stopped the
economic crisis from happening and the next time it happens we will surely
crumble. We can't keep sticking our heads in the sand and pretending
nothing is wrong and not acknowledge the mountain of fraud that happened in this
country.
OCC regulates National Banks. National Banks pay OCC to regulate
them and investigate fraud, isn't that interesting. Who was overseeing all these types of
loan fraud during the Bush years that we are paying for now? The answer would be
OCC if it happened at a National Bank.
Elliot Sptizer explains in an article at
Huffington post called Predatory Lenders Partner in Crime This did
not happen under Obama's
administration, it happened during Bush's admin. OCC is located in Texas and many
articles talk of a little tiny department with few employees. I read at a
certain time in history OCC actually had standards and were not helping
predatory lenders. I guess a large work force was not required for the kind of work they performed during the Bush
Administration. I wonder if its changed. Elliot
Spitzer who now does the TV news show was New York's Attorney General at one
time and went against OCC and was calling for States rights for National Banks
because of crimes that happened to people like me in New York that got no relief
having out right fraud investigated by OCC . He was blacklisted, and spent
some time in jail but as you
can see now he is back and even in a better position than before and even though
he was a naughty boy in his personal life he seemed to care about the common folk
and have concern for what was happening to the everyday American citizen in New
York. I don't find anything like that in Alaska jut allot of head turning.
I might as well of received a bank loan in Tijuana for all the
professional responsibility that played into it and is proven and is shown above
in those professionally written letters faxed from the bank itself from their third
party officer Jack Zerbel from First National Bank Alaska. He must of
agreed to be a third party because he faxed it for them. Just imagine
how you would feel to get those letters over your fax machine.
MYSTERY PERSON INQUIRY ABOUT OUTSTANDING BALANCE ON
HOUSE AND TWO LOTS
The banks Attorney says he simply
advised you that First National would not grant your request for additional
financing as long as the Bovards claim of lien remained on the land record.
Where did the house go Mr. Zerbel?
Once more carefully chosen words had to be used to match the
affidavit of Mandy Bovards shown above.
There final lien was against a finished home they purchased unfinished six
months prior with General Contractor and were holding up the sale of the now
finished home to another buyer. They were holding up the final finishing
touches and had done this for over six months. I guess
the Banks Attorney couldn't word it like he did in his previous letter
using the word residential,
why?
Where did it change from a residential home back to a land record ?
Just a page from the recorded contract in Anchorage Superior
court a page that says we will commence construction when notification of
approval is received from the bank. At this time we were actually made to
believe we mattered. As shown above in Mr. Lawyers letter
this contract just vanished at that specific date and time and was stated only
to be residential dispute, but a copy can always be obtained at Anchorage
Superior Court if anyone wants to see it. OCC was faxed a copy by myself.
Attorney Doc, and amounts in March that match Trailside contract for first
home
Trailside Log Cabins Invoice (We paid for these changes,
not them. These changes were added to
contract and there are other Trailside invoices and this is just one)
After change orders were submitted we had a phone call and then this fax was
showing the approval
He seemed to know everyone at the Title Company on a first name
basis being in town for such a short time. Why so much time at the Title
company? They would let him use the conference room but they wanted him to
know they were not involved. Remember another home had already had offer and
acceptance by this time. This second home was to record at the Department
of Natural Resources at a planned latter date. At this time though all
this paperwork for this loan seem to disappear at the bank apparently by the
letter written above by the banks General Council David Lawyer calling this all
residential two years latter as shown by how it was recorded at the recorders
office as there was no construction Deed of Trust for $95,000 at that time
for that loan on that property. Why didn't Chase want to go to First
National Bank of Alaska to have his conference with Jack Zerbel, just curious
once more. Why the Title company? I also would like to point out
that the Bovard's witness list for the illegal liens I believe had First
National Bank Loan officer Jack Zerbel and Mr. Larry Moss of the Title
Company on it as much as the Title company was not involved. For some odd reason
I felt we had been ganged up on.
I would love to see that
letter of notice of any form of Contract cancellation from FNBA be it contractual or
residential whichever the choice of the day shall
permit or whatever you can come up with for the
PRE-SOLD
HOME AS STATED IN MY AND DELPHINE ELGEE'S LOAN SHOWN ABOVE and /or the contract
that did exist at one time at the bank with Trailside Log Cabins, LLC proven by
the commitment and earnest money receipt faxed and shown below. "WHICHEVER". This contract
and/or residential agreement was never terminated
correctly, responsibly, fairly and was by all appearances simply tossed in the garbage
by the bank officer Jack Zerbel. The letter of April 2007 shown above
where Mr. Lawyer General Council of FNBA writes me and tells me of a
residential dispute
I was having with the Bovards and never acknowledges the
contract with General Contractor on that day at anytime, nor does he acknowledge the earnest money
receipt faxed from his own bank "First National Bank Alaska". He even states
how he has inquired about it to Doug Longacker, Craig Thorne and
Jack Zerbel.
The Attorney General responds to Senator Ted Steven about the
Fraud in letter Below.
This next letter written to Senator Ted Stevens shown below
seems to only acknowledge the Construction Deed of Trust loan for $10,000
obtained to hide the Conspiracy of Mortgage Fraud shown above on the first
mortgage obtained above on lots 6,7 and 8 for $95,000. This second loan the
Attorney General acknowledges has that magical earnest money amount of $10,000
dollars as well. But then their is that problem with the banks attorney
saying this is all residential. Do you notice they never talk
about the first loan of Mortgage fraud on lots 6,7 and 8 in Birch Harbor Estates
Unit 2 with the home on lot 6 for $95,000 dollars except for the banks attorney
David Lawer, he acknowledges the first loan to residential. This all needs to
match Hefferans fraudulent court case records, I believe. Notice how
confused everyone is. "Fraud Sucks Doesn't it"
I really would have liked to receive real help here in
Alaska for the purposeful Mortgage fraud conspiracy that hurt my family and get
some of my money back.
Yes, I did indeed find the behavior of the officer blatant,
planed, predatory and cruel and there was a definite conflict of interest
with the couple over a residential and General
Contractors contract for a Pre-sold home as shown above. I specifically have a problem with recording a Construction
Deed of Trust as a Residential Mortgage , but that's just me and how picky I can
be.
FERA
Relevant-The Fraud Enforcement and Recovery Act of 2009
By amending the definition of "financial
institution to include a mortgage lending business, " gives the Justice
Department the capability to prosecute mortgage fraud cases as a bank fraud
and to seek enhanced penalties under the mail wire fraud statutes. AS a
result, convictions for mortgage fraud can now carry a 30 year maximum prison
sentence or a maximum $1 million fine or both. Even more importantly,
mortgage fraud cases will now have a 10 year statute of limitations, as opposed
to the 5 year statute of limitations for other frauds, which will give federal
prosecutors much more time to develop such cases.
Here's an Idea, if Fannie and Freddie Mac would
have posted these government backed loans on line as in the world wide web for
the world to see, evaluate and inspect with total transparency as a public
record and condition for receiving any kind of
government backed loan
we would have discovered many of these faulty loans early on and we
wouldn't be in the mess were in today. That includes government contracts too.
People don't tend to commit fraud when the whole world can evaluate the government paid paper trail. The
entire loan needs to be published as a record for all to see if its
backed by the government of the United States of America "period".
