11/19/2012

OUR STORY

2150 S. Endeavor Street

Wasilla, Alaska 99654

Phone 907-373-5772

THE TRUE STORY OF A WASILLA ALASKA,

EQUITY STRIPPING LOAN SCAM

Altered Loan Papers

The world is a dangerous place to live; not because of the people who are evil, but because of the people who don't do anything about it.
 Albert Einstein

Loan fraud is no longer a big deal in the United States of America.  Be careful of where you bank as we are in a continued crisis, and you would be foolish to think otherwise.  Broken Federal and State laws mean absolutely nothing, as proven the banks are above the law, and as proven you are not.  You have no legal recourse against them, and any illegal acts they take against you will be ignored as proven by the story shown below and by the crisis in our country. You might as well be banking in a foreign country when you walk through their doors, because State Laws do not apply and as proven by the story below either do Federal. Nothing was enforced as proven by the state of the economy.  There is no law of protection awarded to the common citizens of the USA in any bank any longer proven by what has transpired in our country as shown in the story below.  They sure do have nice signs on their banks to make you feel like you will be protected but as proven you are not. Media across the country was well aware, but who do the media really work for? Why did it take so long for the hidden acts on Wall Street to come out?  Do you honestly believe people weren't contacting their local officials such as Attorney Generals and State Ombudsman as well as the local media to make them aware of what was taking place. Congress was well aware of the crimes taking place, but who do they really work for?  Who takes out the biggest ads of  advertising in your local paper and radio stations? Do Banks?   Who sponsors your state senators in many side projects, do banks?  What committees do these senators sit on and for that fact, who's Board of Directors do they and have they sit on? For a small example who sponsors your state senators web sites?  Kind of interesting to see where they get their loans as well.

Kim Elgee

A link to a Article from the Washington Post called

Predatory Lenders Partners in Crime.

http://www.washingtonpost.com/wp-dyn/content/article/2008/02/13/AR2008021302783.html

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 and much more). 

Wasilla, Alaska's Attorney Patricia Hefferans letter to us shown here Page 1 and  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?

http://recorder.alaska.gov/ssd/recoff/sag/DocDisplay.cfm?SelectedDoc=20050062030&District=311

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)

http://recorder.alaska.gov/ssd/recoff/sag/DocDisplay.cfm?SelectedDoc=20050335230&District=311

Wasilla, Alaska's Attorney Patricia Hefferans letter shown here Page 1 and  page 2. 

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.  This was written as a record of what happened when Mr. Bush was in office.  Scams like this were daily occurrences as proven by what has transpired across the country.

 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? I really can't say that credit unions are safe either as I was told by a friend the state of  Maines are just as corrupt as any bank.  I guess that's why home Safes are becoming popular.

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? 

IS THIS WHAT YOU WANTED ?

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"

The Art of a Mortgage Note Rescue Scam

Faxed Extortion Letters From Bank

Our Awarded

Judgment and Release of Liens

 Page 1

Page 2

Still to date have not received awarded Judgment

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 , 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 Line link 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 loan at First National Bank Alaska to finish this PRE-SOLD  house for their Company Trailside Log Cabins LLC. Title work   and Title Work 2 The 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 here Page 1 and  page 2. 

Altered Loan Papers

Adding additional un-needed collateral to loan, my oh my.

 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 Trust was 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.

 Link to Kim and Delphines Loan Commitment at FNBA  

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 orchestrated and he was even hospitalized. He needed and received more than full time attention from me as he should have, but the stress was unbearable, as planned.   (Sadist)

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.    (Sadist)

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 home as 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 PRESOLD HOME on 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. 

   . 

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

http://www.courtrecords.alaska.gov/pa/pa.urd/pamw2000.docket_lst?84325478

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 

 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

Fist Illegal Lien place on property July 15,2005

Released Illegal Lien after agreement between two Attorneys

Attorneys letter showing agreement shown below

                            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?

Liens were removed  by court order shown on Judgment below

 They held up our assets and sale of home to new buyer for over six months as  planned.

                     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

Matanuska-Susitna Borough Real Property Detail

The HOUSE

BIRCH HAR EST #2 RSB B/1 BLOCK 1 LOT 6

5530 W. Binnacle Drive

 Past Matanuska Susitna records on House

6496B01L006

 Account # 6496B01L006 Parcel ID 58210

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".

Kim Elgee

Still trying to sell land and pay off debts caused by this loan fraud. I mean someone does actually have to pay for crap like this FIRST NATIONAL BANK ALASKA, I guess your the true free loaders of the world. It must be nice to make big messes of everyone else's lives and just skip on by.