respa - arambula ll
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Medardo Arambula
Maritza Arambula
201 Wayne road
Albuquerque
New Mexico
Notice of Qualified Written Request
TO: CITI FINANCIAL, INC, ET AL Certified Mail Number: 7009 2820 0000 7578 8469
Mortgage address
Albuquerque New Mexico
Re: Notice of Qualified Written Request, Applicable to All Successors and/or Assigns
Name: Medardo Arambula Maritza ArambulaProperty Address: 201 Wayne road
Albuquerque, New Mexico
Property Tax ID:
CITI FINANCIAL, INC Account/Loan #: 10001
Date: September 21, 2010
Please take notice as follows:
The purpose of this Qualified Written Request is to assert my rights under the Real EstateSettlement Procedures Act (RESPA), the Fair Debt Collections Practices Act (FDCPA) and the
Truth in Lending Act (TILA) without delay and within thirty (30) days of your receipt of this
letter. While I do not wish to avoid settlement of any lawful debt, it is both my duty and right toinsure you are the proper party claiming rights to the alleged Loan/Debt in question. I hereby
request proof of claim of the alleged debt in its entirety. If you are not the proper person(s) to
answer this request, please forward to the correct party and inform me as to whom this request is
being made.
NOTICE: THIS IS A SELF-EXECUTING DOCUMENT/CONTRACT
IT IS YOUR DUTY TO RESPOND
We are the owners of certain real property located at 201 Wayne road Albuquerque, New Mexico,
which is allegedly security for a loan, hereinafter referenced as the Alleged Loan/Debt, and such
loan having CITI FINANCIAL, INC account # 10001, hereinafter referred to as Alleged Creditor,to Medardo Arambula Maritza , herein after referred to as Alleged Borrower, on Date _________.
I hereby request you provide me with the following verified (sworn to by affidavit) documentary
evidence in substantiation of the Alleged Loan/Debt claimed by Alleged Creditor (exhibit);
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1. Alleged original agreement: Please provide me with a verified (sworn to by affidavit)
copy, both front and back, of the alleged original agreement and any other alleged original
security instruments in their entirety, Said affidavit is to be sworn to be true, correct,complete, and not misleading, by a properly identified and authorized officer of the alleged
creditor, who states that he or she has personal knowledge (Federal Rules of Evidence
[“FRE”] Rule 602) of the validity of said alleged original document(s).2. Allonge: Please provide me with verified (sworn to by affidavit) evidence, of any allonge,
front and back, affixed to the Alleged Borrower’s promissory note of The Alleged
Loan/Debt, for endorsements. Said affidavit is to be sworn to be true, correct, complete,
and not misleading, by a properly identified and authorized officer of your organization,who states that he or she has personal knowledge (Federal Rules of Evidence [“FRE”] Rule
602) of the validity of said alleged original document(s);
3. Allonge: Please provide me with verified (sworn to by affidavit) evidence of any allonge,
front and back, affixed to the original alleged agreement or any other security instruments.Said affidavit is to be sworn to be true, correct, complete, and not misleading, by a properly
identified and authorized officer of your organization, who states that he or she has
personal knowledge (Federal Rules of Evidence [“FRE”] Rule 602) of the validity of saidalleged original document(s);
4. Inspection of Document(s): Please provide me with the date, time, and place convenient
to Albuqueque, New Mexico, that I can personally inspect the Original Promissory Note
associated with The Alleged Loan/Debt and any other alleged Original security instrumentsin their entirety relevant to The Alleged Loan/Debt;
5. Custodian of Document(s): Please provide me with the name, title, and address of the
natural person custodian of the alleged original agreement, original promissory note, any
allonge, and of any other alleged original security instruments;
6. Address of physical location of document(s): Please provide me with the address of the physical location of the alleged original agreement and any other alleged original security
instruments if different from “(5)” above.
7. Holder in Due Course: Please provide me with verified (sworn to by affidavit) evidence
sworn to be true, correct, complete, and not misleading, by a properly identified andauthorized officer of the alleged creditor, upon his or her personal knowledge (FRE Rule
602) stating that the Alleged Creditor is, indeed, the secured party and holder in due course
of the aforesaid alleged original agreement in issue and alleged Loan/Debt and has anenforceable perfected security interest therein pursuant to and in compliance with the
Uniform Commercial Code (“U.C.C.”) Section 9-203, Section 9-204(1), and Section 9-
305, or equivalent sections of the Commercial Code of New Mexico;
8. Proof of Value Given: Please provide me with verified (sworn to by affidavit) copies, both front and back, of all documents and records with respect to the aforesaid alleged
agreement and Alleged Loan/Debt from the beginning, including but not limited to, any
and all lender issued cancelled certified checks, cashiers’ checks, money equivalents or
similar instruments, identified as or evidencing assets provided by the Alleged Creditor and/or the alleged original creditor to me and indorsed by me;
9. Deposit slip and cancelled check: Please provide me with a verified (sworn to by
affidavit) copy of the deposit slip for the deposit of my alleged agreement in its entirety by
the alleged creditor associated with the above alleged account/file number, and a verified
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copy of the cancelled check issued by the alleged creditor as payor in payment for my
alleged agreement in its entirety and any other alleged related security instruments;
10. Affidavit of debt & damages: Please provide me with a sworn affidavit of debt anddamages incurred, sworn to be true, correct, complete, and not misleading, by a properly
identified and authorized officer of the alleged creditor, hereinafter “affiant,” upon his or
her personal knowledge (FRE Rule 602) stating that the Alleged Creditor providedconsideration to me, the alleged debtor, from the assets they had on hand before the allegedcredit was made, and incurred a financial loss under the full and complete alleged original
agreement and alleged Loan/Debt, and state each and every loss that the alleged creditor
has incurred to date under the alleged Loan/Debt in issue;
11. Please provide me with a sworn affidavit, that affiant has personal knowledge (FRE Rule602) regarding the facts of the alleged Loan/Debt and is the original custodian of the books
of entry, or directly supervises said original custodian of the records.
12. Bookkeeping journal / account ledger entries: Please provide me with a verified (sworn
to by affidavit) copy of the complete set of original bookkeeping journal / account ledger
entries associated with my alleged agreement and alleged file/account number usingGenerally Accepted Accounting Principles per 12 U.S.C. § 1831n, showing all debits and
credits and identifying the source(s) and amount of the credit funds/assets; Note: Theverifying affidavit of journal / account ledger bookkeeping entries is to be completed by the
original custodian of the books and records, sworn to be true, correct, complete, and not
misleading. Further, said affidavit shall contain positive identification of the custodian, andstate that he or she has personal knowledge (FRE Rule 602) of said entries.
13. 2046 Balance Sheet: Please provide me with the 2046 Balance Sheet, as it relates to the
original “loan.” This is a Mandatory filing pursuant to Title 12 U.S.C. 248 & 347.
14. S-3A: Please provide me with the S-3A Registration Statement related to Original
“Agreement.”15. Certification of authority: Please provide me with a verified (sworn to by affidavit)
certificate of authority from the State of New Mexico authorizing your company to transact
business in the state of New Mexico and a photocopy of your State Department of
Commerce and Insurance certificate.
16. Form 1035: Please provide me with Department of the Treasury Form 1035 Custodian of Documents attached or associated with the alleged original agreement and /or the name and
address of said custodian as per “5” above;
17. Form 1099: Please provide me with Department of the Treasury Form 1099 Original Issue
Discount for each year the Alleged Creditor was holder in possession of the alleged
original agreement and original promissory note;
18. Vendor sales slips/vouchers: Please provide me with verified (sworn to by affidavit)
copies of all original sales slips/vouchers from all alleged vendors covering all alleged
transactions in the above referenced file/account from its inception to date.
19. Account Information: Please provide me with a verified (sworn to by affidavit) copy of
the account number, institution name, and address, from which the money came to fund
The Alleged Loan given to the Borrower.
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20. Insurance Policy on promissory note: Please provide me with a verified (sworn to by
affidavit) copy of the insurance policy on Alleged Borrower’s promissory note associated
with the Alleged Loan.
21. RC-S, RC-B: Please provide me with verified (sworn to by affidavit) copy of the Call
Schedules, RC-S and RC-B Forms for the period covering The Alleged Loan.
22. Deposit slip for promissory note: The deposit slip for the deposit of the Alleged
Borrower’s promissory note associated with the Alleged Loan.
23. Withdrawal of funds: Please provide me with verified (sworn to by affidavit) a copy of the order authorizing the withdrawal of funds from Alleged Borrower’s promissory note
deposit account.
24. Current holder of promissory note: Please provide me with verified (sworn to by
affidavit) a copy of the name and address of the current holder of the Alleged Borrower’s promissory note.
25. Lender CPA for period of The Loan: Please provide me with verified (sworn to by
affidavit) a copy of the name and address of the Lender’s CPA and Auditor for the periodcovering the Alleged Loan execution.
26. 424 b- 5: Please provide me with the 424 B-5 Prospectus
27. FASB FORMS: Please provide me with Forms FAS 125, FAS 133, FAS 140, FAS 5,AND FAS 95 associated with the alleged original agreement
Note: This Qualified Written Request is not a request for confirmation that you have mere
photocopies of alleged documents. I am requesting ONLY VERIFIED DOCUMENTARY
EVIDENCE in validation of the Alleged Loan/Debt pursuant to the FDCPA and RESPA.
Warning: That all your communications and omissions will be made a part of and
incorporated into any litigation arising from this matter.
I extend to you, thirty (30) days from the date of your receipt of this Qualified Written Request to perform in compliance with verifying the alleged Loan/Debt as requested above per FDCPA and
RESPA mandates. I will consider a reasonable extension of time–only for the production of
verified documents–should you need more than the thirty (30) days if you request it in writing to
the address below. Your failure to perform as herein requested will show bad faith and willestablish the fact that you are using abusive, deceptive, false, and unfair collection tactics against
me as a consumer. Furthermore, if you remain silent to this request or are unable to verify theLoan/Debt as above, the legal concepts of estoppel by acquiescence and tacit admission will comeinto play whereby the alleged Loan/Debt will be admitted invalid, a nullity, and unenforceable, and
thereby repudiated in its entirety ab initio.
In the interim, you are prohibited from any contact with me, the undersigned, except in writing,
and only in regards to the matters herein expressed. All debt collection activity– includinglitigation– is to cease per FDCPA § 1692g(b) “… the debt collector shall cease collection of the
debt, or any disputed portion thereof, until the debt collector obtains verification of the debt…”
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Mandatory reply to undersigned: That all of the above demanded verified evidence, sworn to by a
competent witness per FRE Rule 602, should be sent to me, Medardo Arambula Maritza
Arambula, the undersigned, as indicated at the address below within the above-mentioned thirty(30) days from your receipt of this Qualified Written Request. Please do not send any reply
correspondence to me at any other mail location except as follows:
Medardo Arambula Maritza Arambula
201 Wayne road
Albuquerque
New Mexico
Exhibits: All exhibits attached to this Qualified Written Request are incorporated by reference
herein.
This is the Alleged Borrower’s good faith attempt to clear up any confusion in this matter before
taking any further actions. Failure to respond within thirty (30) days of receipt will be deemed a
dishonor of this Notice and Demand for Full Disclosure.
Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal.
Signed with reservation of all rights,
By: ___________________________________
Edward Arambula
FOR: Medardo Arambula
Maritza Arambula
Certificate of Mailing to accompany— Mail through Notary
EXHIBITS:
1. Collections letter—Talor, Bean & Whitaker, dated August 13, 2009
2. Servicing/Change of Loan Number—Omni American, dated April 15, 2009
3. Novation Offer—RoundPoint, dated April 16, 2010
CC: SEND TO EVERYONE ON YOUR MORTGAGE DEED OR DEED OF TRUST AND ANYONE
ELSE THEY HAVE CHANGED FROM THE ORIGINAL