Opposition to Mers Demurrer to Fourth Amended Complaint With Requests for Judicial Noticemers Oppo...

8/7/2019 Opposition to Mers Demurrer to Fourth Amended Complaint With Requests for Judicial Noticemers Oppo 4th Rjn 03-

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)))))NDEX WEST LLC; DEUTSCHE BANK )18 NATIONAL TRUST COMPANY, as Trustee of)the Residential Asset Securitization Trust 2007- )19 A5, Mortgage Pass through certificates, series )2007-E under the Pooling and Servicing )20 Agreement dated 3-1-2007; INDYMAC )MORTGAGE SERVICES, A DIVISION OF )ONEWEST BANK; OPTEUM; UNIVERSAL )AMERICAN MORTGAGE COMPANY OF )22 CALIFORNIA; MORTGAGE ELECTRONIC )REGISTRATIONS SYSTEMS, INC; UAMC )

LLC; DOES 1-20 )Defendants. ))))

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SUPERIOR COURT OF THE STATE OF CALIFORNIAFOR THE COUNTY OF RIVERSIDE

INDIO DIVISION LARSEN JUSTICE CENTER

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1 OBRIAN W DAVIES43277 Sentiero Drive2 Indio, California 92203760-904-49283 Plaintiff in Pro SeEmail: [email protected]

BRIAN W. DAVIES, Plaintiff,-vs.-

CASE NO. INC 090697PLAINTIFF'S OPPOSITION TODEENDANTS MORTGAGEELECTRONIC REGISTRATIONSYSTEMS INC DEMURRER, ANDOBJECTION TO THEIRCONCURRENTLY FILED REQUEST FORJUDICIAL NOTICE[FILED CONCURRENTLY WITH PLAINTIFF'S#1) REQUEST FOR JUDICIAL NOTICE OFDOCKETS 29, 49, 64OF CENTRAL DISTRICTCALIFORNIA BANKRUPTCY CASE NO. 6:10-BK-3700, #2) REQUEST JUDICIAL NOTICEFEDERAL SUPOENA MORTGAGE ELECTRONICREGISTRATION SYSTEMS, INC., #3) REQUESTFOR JUDICIAL NOTICE INDIO FAMILY LAWCASE IND 088844 ORDER DATE NOV. 14,2006]Date April 19, 2011Time 8:30 amDept. 2H

PLAINTIFF OPPOSITION TO DEENDANTS MERS, OBJECTION TO REQUEST FOR JUDICIAL NOTICE
mailto:[email protected]:[email protected]


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123 I.45678 II.910111213 III.141516171819 IV.2021 V.222324252627 VI.28

TABLE OF CONTENTS

INTRODUCTION 2A. JUDICIAL ESTOPPEL 3B. COLLATERAL ESTOPPEL. .4C. OBJECTION TO MERS JUDICIAL NOTICE 5

LEGAL ARGUMENTS 6A. Controlling Law 6B. General Demurrer 6C. California Code 2923.5 7

VALIDITY OF THE FOURTH AMENDED COMPLAINT "MERS" 7A. MERS and the MERS System 7B. Civil Code 2932.5 - Assignment 10C. Separation of the Note and the Deed 10D. MERS fails in its Demurrer to the 11

THE PERATA MORTGAGE RELlEF 12

OVERVIEW - NO TENDER NECESSARY 12A. Second Cause of Action 13B. Third Cause of Action 15C. Fourth Cause Of Action 15D. Sixth Cause Of Action 16

CONCLUSION 17


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1 Johnson v. Mead2 191Cal. App.3d.156,160 (1987) 6

Kilgore v. Younger3 30 Cal.3d 770, 781 (1982)4 180 Cal. Rptr. 657, 640 P.2d 793 55 Kong v. City of Hawaiian Gardens Redevelop. Agency

1081, App. 4th 1028,1046(2003) 66 Landmark Nat'l Bank v. Kesler7 216 P.3d 158 (Kan. 2009 98 LaSalle Bank v. Lamy

824 NY.S,2d 769 (N.Y. Sup. Ct. 2006) 99 Mabry v. Orange Superior Court10 185 Cal. App.4th 208 2010) 7,1211 New Hampshire v. Maine,

532 U.S. 742 (2001) 312 Powell v Lennon,13 914 F2d 1459 (11th Cir1990) 514 Saunders v. Cariss

224 Cal,App.3d 905, 908 (1990) 615 Scott v. City of Indian Wells16 6 Ca1.3d 541, 549 (1972) 617 Sells v. Porter (In re Porter), B.R.,

2007 WL 2736541, at *2 (Sept. 21,2007) .418 Seidel! v. Tuxedo Land Co19 216 Cal. 165, 170 (1932) 920 Venice Town Council, Inc. v. City of Los Angeles

47 Cai App.4th 1547, 1561-1562 (1996) 72122232425262728


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12

STATUTES

3 Ca lifo rn ia Codes45 Business and Professional Codes 17200 2, 11,156 2924 2,7,11, 12, 13, 15, 1678 2932.5 2,8,10,11,13,14,15,169 2934 11,14,151011 2936 912 2943 131314 3440 91516 California Code of Civil Procedure

430.10 617 430.60 12,13, 14,15,1618 430.80 12,13,14,15,161920 Perata Mortgage Relief Act

California Code 2923.5 2,7,10,11,12,13,15,162122232425262728


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1 1 . INTRODUCTION2 Plaintiff Brian Davies ("Plaintiff') filed this action on October 23, 2009 to3 protect his interest in the real property located at 43277 Sentiero Drive Indio,4 California. This opposition deals with Mortgage Electronic Registration Systems,5 Inc. (hereinafter "MERS") control over the security interest and power of sale on6 Plaintiffs property. MERS was apparently the one that held the Deed of Trust when7 California Code Section 2923.5 was alleged to be violated, and would appear to be8 the beneficiary holding the note.9 The MERS, computer system hides the true identity of investors ("Beneficial10 Owners") and make the system opaque so that misdeeds and outright fraud may11 easily and profitably occur. County Recorders Offices nationwide have lost Millions12 of Dollars of Recording fees to MERS (and it's owners) and especially from Riverside13 County where the funds are dearly needed so that employee won't continue to be laid14 off.15 Mortgage Electronic Registration Systems, Inc. ("MERSil) was purposely set16 up so that those in the lending industry could push loans onto innocent17 homeowners and by doing so made huge profits. The use of the MERS system18 and the associated fraud is only now coming to light. In July 2009, Defendants19 including MERS, the purported beneficiary who filed the Notice of Default violated20 the newly enacted Perata Mortgage Relief Act California Code 2923.5, other21 California laws including California Codes 2924, 2932.5, Business and22 Professional Codes 17200 , and in doing so committed intentional deceit.23 The Financial Crisis Commission after a year long review conclude24 collapsing mortgage-lending standards and the mortgage securitization pipeline lit25 and spread the lame of contagion and crisls.' Many mortgage lenders set the bar2627 1 Financial Crisis Inquiry Commission www.fcic.gov/report!28 2
http://www.fcic.gov/report!http://www.fcic.gov/report!


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1 Bank" [Docket 49] "Lack Standing", and 2) Movant's Declaration lacks credibility,2 having signed both as an employee of Movant and as an agent for MERS. The3 Movant's motion and redo motions were fully opposed with supplemental authorities4 and there were no oppositions thereto and the Court decision is Res Judica ta .5 MERS did not hold a valid security interest6 Additionally the alleged assignments proffered by MERS as an agent for7 Universal American Mortgage Company of California (hereinafter "UAMCC")8 occurred at a time when MERS own Federal Subpoena Documents demonstrate9 that UAMCC; 1) had no ownership interest to assign and 2) was not a MERS10 member as outlined in Plaintiff's Request for Judicial Notice, MERS Supoena11 Response."1213 C OL LA TE RA L E ST OP PE L14 The collateral estoppel doctrine bars relitigation of a previously resolved15 factual issue in a subsequent proceeding. A prior finding is conclusive in all16 subsequent proceedings if it meets five requirements: (1) the party sought to be17 precluded was a party, or in privity with a party, to the previous proceeding; (2) the18 current issue is identical to that involved in the prior proceeding; (3) the issue was19 actually litigated; (4) the issue was determined by a valid and final judgment; and20 (5) the determination was essential to the judgment. Anderson v. Genuine Parts21 Co.. Inc., 128 F.3d 1267, 1272-73 (8th Cir. 1997); Sells v. Porter (In re Porter), B.R.,22 2007 WL 2736541, at *2 (Sept. 21, 2007).23 At Bar "Movant Onewest" and again as "Movant Onewest as the agent of24 Deutsche Bank" was in privity, the issue of Standing was litigated, the Order was an2526 3 See Request for Judicial Notice Federal Subpoena Mortgage Electronic Registration Systems Inc.27 filed concurrently with Plaintiffs Opposition to MERS Demurrer.28 4


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1 Appealable Judgment, and the determination of Standing was essential to the2 Judgment. Deutsche Bank has full opportunity to litigate this case and choose not3 to do so. The Defendants are collaterally estopped and the lien determined to be4 invalid. This does not mean there is a valid blue ink promissory note, however5 that is in doubt.6

C. OBJECTION TO MERS JUDICIAL NOTICEPlaintiff has objected to Defendants Judicially Noticed Records, of the

Riverside County Recorder's Office (Plaintiffs Objection to Judicial Notice06-14-10). Plaintiff has objected to these same documents on several occasions byeach of the Defendants. California Evidence Code 452(g).

Plaintiffs complaint addresses many viable claims against MortgageElectronic Registration Systems, Inc. ("hereinafter referred to as 'MERS"). Thecauses of action outlined in the complaint are pleaded with specificity to include allthe elements sufficient to state a claim to relief that is plausible on its face. Thecomplaint states facts sufficient to constitute causes of action. (Hill v. Miller 64Cal.2d 757, 759 (1966) [51 Cal. Rptr. 689, 415 P.2d 331). If Plaintiff is denied,"There is a reasonable possibility that any defect can be cured by amendment."Kilgore v. Younger (1982) 30 Cal.3d 770,781 [1 80 Cal. Rptr. 657, 640 P.2d 793].

Plaintiff pleadings as Pro Se are not to be held to the same high standards ofperfection as practicing lawyers. See Haines v. Kerner 92 Sot 594, also See Powellv Lennon, 914 F2d 1459 (11th Cir1990), also See Hulsey v. Ownes 63 F3d 354 (5thCir 1995). See also, In Re: Hall v. Bellrnon 935 F.2d 1106 (10th Cir. 1991).!1!1!1

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1 ~ LEGAL ARGUMENTS2 A. Controlling Law3 A demurrer tests the sufficiency of the plaintiffs complaint, i.e., whether4 states facts sufficient to constitute a cause of action upon which relief may be5 cased. (Code Civ. Proc.! 430.10, subd. (a); Friedland v. City of Long Beach6 (1998) 62 Cal.App.4th 835, 841-842.). A complaint is adequate if its factual7 allegations are sufficient to support a cause of action on any available legal theory8 (whether specifically pleaded or not). (Saunders v. Cariss (1990) 224 Cal.App.3d9 905, 908.). "Where the complaint is defective, the furtherance of justice great10 liberality should be exercised in permitting a plaintiff to amend his complaint, and it11 ordinarily constitutes an abuse of discretion to sustain a demurrer without leave to12 amend if there is a reasonable possibility that the defect can be cured by13 amendment. [Citations.]''' (Scott v. City of Indian Wells (1972) 6 Cal.3d 541,549.)141516

B .1.

General DemurrerIn assessing the sufficiency of a complaint against a general

17 demurrer, a court must treat a demurrer as admitting all material facts properly18 plead. Glaire v. La Lanne-Paris (1974)12 Cal 3d. 915,918. "Objections that a19 complaint is ambiguous or uncertain must be raised by special demurrer, and20 cannot be reached on general demurrer. Johnson v. Mead (1987) 191 Cal. App. 3d21 156,160. Here, the Defendants' Demurrer the Fourth Complaint in part as uncertain,22 vague and ambiguous. Because this must be raised in a special demurrer, the23 Defendants' general demurrer must fail on those assertions. A general demurrer24 does not lie to only part of a cause of action. If there are sufficient allegations to25 entitle plaintiff relief, other allegations cannot be challenged by general demurrer.26 Kong v. City of Hawaiian Gardens Redeevelop. Agency (2003) '108 I. App. 4th2728 6


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1 1028, 1046. A general demurrer challenges only the sufficiency of the cause of2 action pleaded, and must be overruled if any valid cause of action is pleaded"."3 Venice Town Council, Inc. v. City of Los Angeles (1996) 47 Cal App.4th 1547,4 1561-1562.5 2. The Fourth Amended complaint alleges eight causes of actions,6 if anyone of them or count survives then the general demurrer must be denied. As7 indicated below the causes of action should survive, and so it is believed and8 respectfully concluded that the general demurrer should be denied. Alternatively,9 the complaint is respectfully requested to be amended as believe there is a10 reasonable possibility that amendment can be achieved unlike alleged by11 Defendant "MERS"12 C. The Perata Mortgage Relief Act13 The Perata Mortgage Relief Act", California Code 2923.5 was effective in14 September 2008, and was urgently enacted to help stem the foreclosure crisis15 facing our country. The 4th Appellate Court Division Three accepted and heard a16 Writ of Mandate on May 17, 2010. On June 2,2010 the Court published their17 Opinion and the case was remitted back to the Superior Court in Orange. The18 Published Opinion was immediately effective. The Court reviewed California Code19 2923.5 in context with California Code 2924, cited as Mabry v. Orange Superior20 Court, at al( 2010), 185 Cal, App.4th 208. A copy of this decision was submitted21 and Judicially Noticed on 06-11-10 for this Court.2223 u, THE VALIDITY OF THE FOURTH AMENDED COMPLAINT2425262728

A. MERS AND THE MERS SYSTEMTraditionally, when a loan was executed, the beneficiary of the loan on

theDeed of Trust was the lender. Once the loan was funded, the Deed of Trust and

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1 the Note would be recorded with the local County Recorder's office. The recording2 of the Deed and the Note created a Public Record of the transaction. All future3 assignments of the Note and Deed of Trust were expected to be recorded as4 ownership changes occurred.5 The recording of the Assignments created a "Perfected Chain of Title" of6 ownership of the Note and the Deed of Trust. This allowed interested or affected7 parties to be able to view the lien holders and if necessary, be able to contact the8 arties. The recording of the document also set the "priority" of the lien. The creation9 of MERS changed the process. Instead of the lender being Beneficiary on the Deed10 of Trust, MERS was now named as either the "Beneficiary" or the "Nominee for the11 Beneficiary" on the Deed of Trust. This meant that MERS was simply acting as an12 Agent for the true beneficiary. MERS has only 44 employees.13 These personnel were not employed by MERS, nor received income from14 MERS. They are named "Certify Officers" solely for the purpose of signing15 foreclosure and other legal documents in the name of MERS. When a Note is16 transferred, it must be endorsed and signed, in the manner of a person signing his17 paycheck over to another party. Customary procedure was to endorse it as "Pay to18 the Order of and the name of the party taking the Note and then signed by the19 endorsing party.20 MERS would not have the legal standing to foreclose, since only the "person21 of interest" would have such authority. MERS has recognized the Note Endorsement22 problem and on their website, stated that they could be the foreclosing party only if23 the Note was endorsed in blank. As a result, most Notes are endorsed in blank,24 which purportedly allows MERS to be the foreclosing party. However, California25 Civil Code 2932.5 has a completely different say in the matter. It requires that the26 Assignment of the Deed to the Beneficial Interest Holder of the Note.2728 8


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1 Under California law, to perfect the transfer of mortgage paper as collateral2 the owner should physically deliver the note to the transferee. Bear v. Golden Plan3 of California, Inc., 829 F.2d 705,709 (9th Cir. 1986). Without physical transfer, the4 sale of the note could be invalid as a fraudulent conveyance, Cal. Civ. Code 3440,5 or as unperfected Cal. Comm. Code 9313-9314. See Roger Bernhardt, California6 Mortgages and Deeds of Trusts. and Foreclosure Litigation 1.26 (4th ed. 2009).7 The note here specifically identified the party to whom it was payable, MERS acted8 only as a "nominee" under the Deed of Trust. Since no evidence has been offered9 that the promissory note has been transferred, MERS could only transfer what ever10 interest it had in the Deed of Trust. However, the promissory note and the Deed of11 Trust are inseparable. The note and the mortgage are inseparable; the former as12 essential, the later as an incident. An assignment of the note carries the mortgage13 with it, while an assignment of the latter alone is a nullity." Carpenter v. Logan, 8314 U.S. 271,274 (1872); accord Henley v. Hotaling, 41 Cal. 22, 28 (1871); Seidel! v.15 Tuxedo Land Co., 216 Cal. 165, 170 (1932); Cal. Civ. Code 2936. Therefore, if on16 party receives the note another receives the deed of trust, the holder of the note17 prevails regardless of the order in which the interests were transferred. Adler v.18 Sargent, 109 Cal. 42, 49-50 (1895).19 Further, several courts have acknowledged that MERS is not the owner of the20 underlying note and therefore could not transfer the note, the beneficial interest in21 the deed of trust, or foreclose upon the property secured by the deed. See In re22 Foreclosure Cases, 521 F. Supp. 2d 650,653 (S.D. Oh. 2007); In re Vargas, 39623 B.R. 511,520 (Bankr. C.D. Cal. 2008); Landmark Nat'l Bank v. Kesler, 216 P.3d 15824 (Kan. 2009); LaSalle Bank v. Lamy, 824 NY.S.2d 769 (N.Y. Sup. Ct. 2006). Since no25 evidence of MERS' ownership of the underlying note has been offered, and other26 courts have concluded that MERS does not own the underlying notes, this court is2728 9


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1 convinced that MERS had no interest it could transfer to Citibank, since MERS did2 not own the underling note, it could not transfer the beneficial interest of the Deed of3 Trust to another. Any attempt to transfer the beneficial interest of a trust deed4 without ownership of the underlying note is void under California law.5 B. CIVIL CODE 2932.5 ASSIGNMENT6 Where a power to sell real property is given to a mortgagee, or other7 encumbrancer, in an instrument intended to secure the payment of money, the8 power is part of the security and vests in any person who by assignment becomes9 entitled to payment of the money secured by the instrument. The power of sale may10 be exercised by the assignee if the assignment is duly acknowledged and11 recorded12 on MERS loans, MERS will show as the beneficiary of record. Foreclosures should13 be commenced in the name of MERS. To further reinforce that MERS is not the true14 beneficiary of the loan, one need only look at the following Nevada Bankruptcy case,15 Re: Hawkins, Case No. BK-S-07-13593-LBR (Bankr.Nev. 3/31/2009) (Bankr.Nev.,16 2009)-17 "A "beneficiary" is defined as "one designated to benefit from an18 appointment, disposition, or assignment. .. or to receive something as a result of a19 legal arrangement or instrument." BLACK'S LAW DICTIONARY 165 (8th ed.20 2004).The MERS' "Terms and Conditions of Agency Agreement" that MERS is not a21 beneficiary as it has no rights whatsoever to any payments, to any servicing rights,22 or to any of the properties secured by the loans. In Vargas, 396 a R. 511, 51723 (Bankr. C.D. Cal. 2008) ("[I]f MERS has transferred the note, MERS is no longer24 an authorized agent of the holder unless it has a separate agency contract with the25 new undisclosed principal. MERS presents no evidence as to who own the note, or26 of any authorization to act on behalf of the present owner,"2728 10


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1 SEPARATION OF THE NOTE AND THE DEEDC .2 The Court's published opinion interprets the legislative intent of California Code3 2923.5. In the case of MERS, the Note and the Deed of Trust are held by separate4 entities.. Therefore, a Deed Of Trust is inseparable from the debt and always abides5 with the debt. It has no market or ascertainable value apart from the obligation it6 secures. A Deed of Trust has no assignable quality independent of the debt, it may7 not be assigned or transferred apart from the debt, and an attempt to assign the8 Deed Of Trust without a transfer of the debt is without effect."9 This very "simple" statement poses major issues, To easily understand, if the Deed10 of Trust and the Note are not together with the same entity, then there can be no11 enforcement of the Note. The Deed of Trust enforces the Note. It provides the12 capability for the lender to foreclose on a property. If the Deed is separate from the13 Note, then enforcement, i.e. foreclosure cannot occur. ("(MRS"), actually the14 servicer, will Assign the Deed to the Note Holder, almost always after the Notice of15 Default has been filed. This will be an attempt to reunite the Deed and Note.16 ("HERS") would likely no longer have the ability to Assign the Deed, since the17 Agency/Nominee status has been terminated. The recorded history of the Deed to18 determine not just the current Deed Holder, but also who the Note Holder is. Are19 they !I one and the same, or are they separated, leading to an inability to foreclose20 unless reunited.21 D. MERS fails in its Demurrer to the Fourth Amended Complaint22 MERS' position in its Demurrer to the second, third, fourth, and sixth causes of23 action are that Plaintiff has not plead the elements or provided fact sufficient to state24 a cause of action and put the defendant on notice of his alleged wrongdoings. Such25 is not the case. In fact MERS" causes of action are plead clearly.26 MERS has played and active role in: #2) Violation of California Codes 2728 11


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1 2923.5, 2924, 2932.5, 2934, #3) Slandered Title, #4) Violated Bus.& Pro. Code2 17200 et. seq., #6) Intentional Deceived3 This Demurrer is simply a delay to answer the complaint, especially after the4 Opinion in "Mabry v. Orange Superior Court"( 2010), 185 Cal. App.4th 208, with the5 recent clarifications of the Legislative intent in Section 2923.5 of the California6 Code. This particular issue was presented to Defendant "MERS's" counsel in a7 formal letter. The causes of actions outlined in the complaint are certain, intelligible,8 and unambiguous. The Plaintiffs allegation of California Code 2923.5 as a cause9 of action has been affirmed by the courts. MERS has failed to meet the10 requirements of a demurrer (CCP 430.60) and that MERS waives certain arguments11 (CCP 430.80) as related to these causes of action. Plaintiff has provided allegations12 for violation of The Perata Mortgage Relief Act" as confirmed in "Mabry v. Orange13 Superior Court" ( 2010), 185 Cal. AppAth 208. California Civil Code 2923.5 offer14 the right to a private cause of action, If section 2923.5 is violated, then there is no15 valid notice of default, and without a valid notice of default, a foreclosure cannot16 proceed. The Notice of Default posted on Plaintiffs property simply ignored this17 statute and therefore is in violation of California Code 2924. "Otherwise the statute18 would be a dead letter."2) "Must a borrower tender the full amount of the mortgage19 indebtedness due as a prerequisite to bringing an action under section 2923.5?"20 "No." "To hold otherwise would defeat the purpose of the statute."3) "Is 2923.521 preempted by federal law?" "No.". California Code 2923.5 compliance is22 prerequisite to Cal. Code 2924.23 IV. OVERVIEW-- NO TENDER NECESSARY24 Defendants seek to side step the issues and make inflammatory allegations25 that are not responsive to the issues in controversy and are calculated to deflect this26 Court's attention to the substantive issues. Plaintiff has properly alleged violation of2728 12


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1 California Code 2923.5, a necessary step prior to the filing of a Notice of Default.2 The benefits of California Code 2924, which inherently assumes that Defendants3 do proper assignments, and statutorily requires tender once legitimately initiated.4 Plaintiff has properly alleged violations of the Perata Mortgage Relief Act which5 specifically states no tender is necessary and Plaintiff further pleads violations of6 California Codes 2932.5 in fraudulent assignments of the deed of trust. A fact, that7 is assumed valid once the benefits of California Code Section 2924 are initiated by8 legally invoking the power of sale clause by the note holder or the beneficiary9 entitled by recorded assignment to do so (Cal. Civil Code 2932.5).10 A. SECOND CAUSE OF ACTION11 (Violations of California Code 2923.5, 2924, 2943, 2932.5)12 Plaintiff properly alleges MERS, the nominee beneficiary of the promissory13 note, violated California Codes 2923.5,2924 by prematurely exercising the:14 ssigned power of sale clause in Plaintiffs Deed of Trust. Violation of California15 'Code 2923.5 by law creates a violation of California Code 2924 (if the Notice of16 Default is filed). ("MERS1 has failed to meet the requirements of a demurrer (CCP17 430.60) and that MERS waives certain arguments (CCP 430.80) as related to this18 cause of action. Plaintiff has plead this with clarity and asks the Court permission to19 leave to amend if it is not as specific as to Defendant.20 California Code 2932.521 Plaintiff properly alleges that MERS also violated California Code 2932.522 and such a violation is plead in the general allegations. Plaintiff alleges statutory23 violation in the assignment of the deed of trust. The Deed of Trust must be assigned24 to the beneficiary prior to the legal authority to invoke such power of sale. (The25 ("UAMCC") assignment of deed of trust done by MERS September 20, 2010 to26 ("Deutsche")), after "Deutsche's" wrongful filing of the Notice of Default. "Deutsche"2728 13


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1 with the assistance of MERS willfully and knowingly invoked the power of sale2 clause in Plaintiff's deed of trust without the proper assignment.3 Plaintiff has alleged this fact in the pleadings as Plead. This cause is properly4 alleged as a cause of action, plead with certainty and intelligence. MERS has failed5 to meet the requirements of a demurrer (CCP 430,60) and that MERS waives6 certain arguments (CCP 430.80) as related to this count of this cause of action.7 Plaintiff request leave to amend this cause of action if the court sustains the8 demurrer.9 California Code 2934, 2932.510 California Code 2934, allows for Substitution of the Trustee as there is only11 one trustee at a time. Plaintiff properly alleges "Deutsche Bank" could not as a12 matter of law assign the trustee as it did not hold the Deed of Trust (Cal. Civ. Code13 2932.5). The Deed of Trust was held by Mortgage Electronic Registration Systems14 inc. ("hereinafter "MERS"") as an agent for Universal American Mortgage Company15 of California "hereinafter "UAMCC"). "UAMCC" had no security interest to assign to16 "Deutsche" on September 20, 2010, it allegedly sold that interest 3.5 years before ..17 This cause of action is properly plead with specificity and "MERS" has failed to meet18 the requirements of a. demurrer (CCP 430.60). Defendants MERS" Demurrer fails19 as Plaintiff has stated sufficient facts to Mate a cause of action, these facts are20 intelligible, and they are certain as to "MERS". Plaintiff has pied each and every21 Count in this Cause of Action with specificity and the Demurrers should be over22 ruled or in the alternative allow Plaintiff leave to amend to improve the pleadings. as23 details from discovery are being accumulated.24 Defendant's response was irreproachable, and to ignore such warning25 demonstrates malice, The premature notice of default disparaged the property and26 cast a cloud on title. ("MFRS") purposely acted as alleged without privilege. Plaintiff2728 14


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alleged that he suffered pecuniary damage as a result of the publication. MERS hasfailed to meet the requirements of a demurrer (CCP 430.60) and that MERS waivescertain arguments (CCP 430.80) as relatedto this cause of action. If pleading is not specific enough then Plaintiff requestseave to amend.

B. THIRD CAUSE OF ACTIONThe Perata Mortgage Relief Act, Section 2923.5 of the California Code

is allefed to be violation by MERS. This cause of action is "Dependent andDerivative". Plaintiff has properly alleged: Causes of Action for this Defendants'Slander of Title. The Elements: 1) Disparagement, 2) Publication, 3)False information, 4) Lack of privilege, and 5) Damages, have been alleged as theelements of this cause of action. "MERS" through its agent Ndex West LLC, wasnotice by letter on October 12, 2009 and called personally by Plaintiff in referenceto California Code Section 2923.5 violations. Plaintiff explained that this could notbe possible by statute as Plead. Defendant's response was irreproachable, and toignore such warning demonstrates malice.

The premature Notice of Default disparaged the property and cast a cloud ontitle, MERS purposely acted as alleged without privilege. Plaintiff alleged that hesuffered pecuniary damage as a result of the publication. MERS has failed to meetthe requirements of a demurrer (CCP 430.60) and that MERS waives certainarguments (CCP 430.80) as related to this cause of action. If pleading is not specificenough then Plaintiff requests leave to amend. Defendant "MERS" has beenprovided facts sufficient to state a cause of action and this has put the Defendant onnotice of his alleged wrongdoings.II/ I

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1 C. FOURTH CAUSE OF ACTION2 (Violation of the Business and Professional Code 17200 et. seq.)3 MERS is not registered to do business in California, MERS is not allowed to4 Foreclosure for Fannie Mae. MERS is not allowed to Foreclose in Florida. Plaintiff5 Has Properly Alleged Causes of Action Pursuant to California Business Professional6 Code 17200 et, seq. by properly alleging (Violations of California Codes 2923.5,7 2924, 2934, 2932.5 and Intentional Deceit). The \8 MERS has failed to meet the requirements of a demurrer (CCP 430.60) and9 that MERS waives certain arguments (CCP 430.80) as related to this cause of10 action. Plaintiff has pled violations of other statutes which fall under this cause of11 action. Plaintiff has plead this with clarity and asks the Court permission to leave to12 amend if it is not as specific as to Defendant.13 D . SIXTH CAUSE OF ACTION14 (Intentional Deceit)15 Plaintiff allegations include violations of California Code 2923.5, 2924, and16 2932.5 (Statute of Frauds). Plainfff has plead violations of multiple California17 Statutes. Furthermore NY Trust Laws govern any transactions associated with the18 Mortgage Backed Security's Pooling and Servicing Agreement. MERS is to follow19 California Civil Code 2932.5, in order to act as an assignee.20 Plaintiff has properly alleged MERS provided facts that were not true as true.21 These representations were false. They knew they were false. Plaintiff relied on22 these to his detriment and nearly lost his house. The damages are unlimited and23 ongoing. MERS intent was to intentionally deceive Plaintiff. Foreclosure does not24 require possession of the Note, but it assumes that the laws and assignments are25 valid.26 The Pleadings allege such acts are done in violation of laws. That MERS2728 16


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1 knows that their assignments are not valid. MERS is required to possess such2 assignment in writing and record such writing. Defendant MERS, acting by and3 through their agents and others, routinely exercised the power of sale, without the4 requisite legal authority, pursuant to a valid written assignment that meets the statute5 of frauds. MERS has been involved with millions of loans. Plaintiff has been harmed6 and continues to be violated by this activity.7 Plaintiff Has Properly Alleged a Cause of Action for Intentional Deceit. MERS8 has failed to meet the requirements of a demurrer (CCP 430.60) and that MERS9 waives certain arguments (CCP 430.80) as related to this cause of action.10 Defendant's "MFRS" Demurrer fails as Plaintiff has stated sufficient facts to state a11 cause of action, these facts are intelligible, and they are certain as to ("MFRS").12 S O stiff has pled each and every Causes of Action with specificity and the Demurrers13 old be over ruled or in the alternative allow Plaintiff leave to amend.1415 V. CONCLUSION16 Plaintiff respectfully requests that this court over rule the demurrers or in the17 iternative allow Plaintiff leave to amend. Plaintiff requests any additional relief this18 Court deem just and proper.1920 Respectfully submitted,2122 Dated: March 25, 201123

2425 BRIAN W. DAVIES PLAINTIFF IN PRO SE262728 17


22/93



PLAINTIFF'S REQUEST FOR JUDICIAL NOTICE OF MERS SUBPOENA RESPONSE FILED CONCURRENT WITHPLAINTIFF'S OPPOSITION TO MER DEMURRER

45678910111213141516171819202122232425262728

1 BRIAN W DAVIES43277 Sentiero Drive2 Indio, California 92203760-904-49283 Plaintiff in Pro SeEmail: [email protected]

BRIAN W. DAVIES, )Plaintiff, ))-vs- )

)NDEX WEST LLC; DEUTSCHE BANK )NATIONAL TRUST COMPANY, as Trustee of)the Residential Asset Securitization Trust 2007- )AS, Mortgage Pass through certificates, series )2007-E under the Pooling and Servicing )Agreement dated 3-1-2007; INDYMAC )MORTGAGE SERVICES, A DIVISION OF )ONEWEST BANK; OPTEUM; UNIVERSAL )AMERICAN MORTGAGE COMPANY OF )CALIFORNIA; MORTGAGE ELECTRONIC )REGISTRATIONS SYSTEMS, INC; UAMC )LLC; DOES 1-20 )Defendants. ))))- - - - - - - - - - - - - - ~ - - - - - - - - - - - - )

CASE NO. INC 090697REQUEST JUDICIAL NOTICEFEDERAL SUPOENA MORTGAGEELECTRONIC REGISTRATIONSYSTEMS, INC.[FILED CONCURRENTLY WITH '#l)PLAINTIFF'SOPPOSITION TO MERS DEMURRER, AND THEmCONCURRENTLY FILED REQUEST FOR JUDICIAL NOTICE#2) REQUEST FOR JUDICIAL NOTICE OF DOCKETS 29, 49,64 OF CENTRAL DISTRICT CALIFORNIA BANKRUPTCYCASE NO. 6:10-BK-3700, #3)REQUEST FOR JUDICIALNOTICE INDIO FAMILY LAW CASE IND 088844 ORDERDATE NOV. 14, 2006)

Date April 19,2011Time 8:30amDept. 2H
mailto:[email protected]:[email protected]


23/93

15

-2-PLAINTIFF'S REQUEST FOR JUDICIAL NOTICE OF FEDERAL SUPOENA MORTGAGE ELECTRONIC

REGISTRATION SYSTEM'S INC.

1234

NOTICE IS HEREBYGIVEN pursuant to Federal Evidence Code 201, and California EvidenceCode Sections 452 and 453; Plaintiff, Brian W. Davies, attests to true and accurate copies of theFederal Supoena Results from Mortgage Electronic Registration Systems and hereby requestsjudicial notice of the response and production of documents by Mortgage Electronic RegistrationSystem Inc. (hereinafter "MERS") pursuant to the subpoena issuedon November 5, 2010, herebyattached as Exhibits A and B. EXHIBIT A:5

6789

1011121314

Attached herewith is true and correct copy of MERS'responses and audit trail within MERS'records showing its agency relationship with its members and records of beneficial interest transferssince November 27, 2006.

The Deed of Trust recorded in the official records of the Riverside County Recorder's OfficeonNovember 17, 2006 as Document No. 20060853245 and corresponding security interest in thereal property by Universal American Mortgage Company of California. See Plaintiff's Request forJudicial Notice #2 [Pacer Doc 2, Exhibit B].EXHIBIT B:

MERS'records indicated that Universal American Mortgage Company of California was nota member of MERSand there was no agency relationship derived therefrom. Information was obtainedviaintemetfromMERSandavailableat: https :Uwww.mersonl ine.org/mers/mbrsearch/mbrsearch.htm .

Page 1: MERSmembership search.16171819202122232425262728

Page 2: Search string of Universal American Mortgage Company of California.Page3: Search result.Page 4: Alternate search string of Universal American Mortgage.Page5: Search result.

Dated: March 19, 2011

Brian W. DaviesPlaintiff in Pro Se


24/93

I i ~/#I;1 : 1 ~ . _P ro ce ss l oa ns , n o t paperwork. t"

Decemb er 2 , 2 01 0V ia em all an d US mail

Robert L . Firth30 87 7 D ate P alm D rive, S uite 3 8Ca th ed ra l C ity , CA 922 34

Re: M ER S Subpoena responseIn r e: B r ia n W. DaviesU .S . Bank rup tc y Cour t Cent ra l D is tr ic t o f Ca li fo rn iaDea r M r . F irt h:

T his le tte r is in re sp on se to th e s ub po en a in c on ne ctio n w ith th e a bo ver efe re nc ed ma tte r s er ve d o n Mo rtg ag e E le ctr on ic Regis tr atio n S ys tems, In c. ( "MERsn )on o r abo ut N ovemb er 5, 2 01 0.M ERS o bjects to the S ub po en a on th e gro un ds th at the S ubp oe na is ove rlyb ro ad , u nd uly d up lic ativ e, a nd se ek s d oc umen ts n ot w ith in th e p oss ess io n o f MERSand /o r in fo rma tio n n ot r ea so na bly c alc ula te d to le ad to th e d is co ve ry o f a dm is sib leevidence.S ub je ct to th e a fo reme ntio ne d o bje ctio ns a nd w ith ou t w aiv in g th e s ame, MERSp ro du ce s th e e nc lo se d d oc umen ts (M IN S ummarie s a nd M ile sto ne s) re la tin g to th efollow ing Mortgage Identifica tion Numbers ("M INs"): .

1000596-0008042863-91000596-0008044463-6

1 81 8 LIbrary Street, S uite 300 R eston, VA 201 90 8 00-646-M ERS (6377 ) www.mersinc.org

1/12 Exhibit A
http://www.mersinc.org/http://www.mersinc.org/


25/93

Andrew L. MarmionCounsel

MERS re sp on ds th at th e e ntitie s re fe re nce d in th e e nc lo se d M iie sto ne s w erem em be rs of M ER S d urin g th e tIm e loan s w ere tracked on th e M ERS S ystem .T he MERS S ystem is an e lectro nic re gistra tion a nd tra cking system an d is no ta v eh ic le u se d to c re ate o r tra nsfe r b en efic ia l in te re sts in m ortg ag e lo an s. N ote s,a ss ets , mo rtg ages , d eeds o f tru st o r o th er s ec urity in strumen ts a re not e le ctro nic allytra ns fe rre d u sin g th e MERS Sys tem .T he e nclo se d d oc umen ts re fle ct o nly th e MERS Membe rs ' tra ck in g o f tra ns fe rswhic h o cc ur outs ide o f th e MERS Sys tem. L eg al o r b en efic ia l in te re sts o r rig hts in th esu bject m ortgag e lo ans tracked on th e M ERS S ystem d o n ot m odify or su pe rse de a nya greeme nts be tw een MERS M em be rs w ho p ossess a n in terest in a ny m ortga ge loa nregistered on the M ERS S ystem . M ERS is not a system of record and M ERS is not are po sito ry fo r d oc uments and o th er re co rd s perta in in g to mo rtg age lo an s re gis te re d onth e MERS System.B y re spon ding to this S ubpo en a MERS is no t a tte stin g to th e truthfu ln ess ora cc ura cy o f th e in fo rm atio n c on ta in ed in th e e nc lo se d d ocuments . N oth in g sta te d h ere in(or th e d ocum en ts prod uced he rew ith ) shall b e co nstrue d a s an admission by M ERS asto th e re le va ncy o r a dm iss ib ility a t tria l o f a ny in fo rm atio n p ro vid ed o r th e d ocumentsp ro du ced in re spon se to th is Subpoena.

Sincerely,~~

Encl.

2/12 Exhibit A


26/93

12/2/2010

MIN SUMMARY

3/12

Ac t ive (Reg is te red )F ore clo su re pe nd in g (O pti on 2), re tan ed on MER SM OMF ir st L i en

1 1 / 2 7 / 2 0 0 6Riverside QR N

Summary1 0 0 0 5 9 6 - 0 0 0 8 0 4 2 8 6 3 - 9

43 -27 7 SE NT IE RO D RIVEIN DIO , CA 92203R eg D ateCountyP rim ar y B o rr ow erPool .N umbe rN ote A m ou ntServicerCustodianInvestorS ubse rveerinterim FunderOriginating 0rganizationP ro per ty P res erv ati on C o.

B atch N u mb el' T ran sfer T ypeN o P en din g B atc he s!

DA VIES, BR IAN SSNN / A In ves to r L o an N umb er$441,350.00 Note D atet008T 7l - O neW est.B ank, .FSB1000648 - D eutsch e B ank N ational T ru st C om pany1001425 - D eutsch e B ank N ational T ru st C om pany as T ru steeN / AN / AN/AN / A

N / A1 1 1 1 6 1 2 0 0 6

Pending BatchesStatus T r an sf er D a te S ale D ate

1/1

Exhibit A


27/93

1 2 / 2 / 2 0 1 0

MILESTONES for 1000596~0008042863-9

4112

"Descrip tion Date Milestone InformationInitiatingOrganizat ion IUser1008 171 O ne'W e st B an k, F SBBatch

M IN S ta tu s: A ctiv e(Regis tered) ForeclosureStatus: F o re clo su re P en d in g(opt ion 2), re ta in ed o nMER SQuality Review: N

1000554 F DIC as R eceiv er fur Indy M ac F ed eral M IN S tatu s: A ctiv eB ank, FSB (R eg istered )

B atch N ew Serv icer: 1008171O neW estB ank, F SBO l d S e rv ic er: 1 00 05 54FDIC as R e ce iv er f urI n dy :M : a cF e d e ra l B ank,FSBB atc h N um be r: 6 18 68 17S a le D a te : 03/19/2009Transfer Date: 03/19/2009

1000554 F DIC as R eceiv er for Ind yM ac F ed eral M IN S tatu s: A ctiv eB ank, FSB (R egistered )

B atch N ew Investor: 1001425D e utsc he B an k N a tio na lTrust Company a s T r us te eO l d I nv e sto r: l0 00 5~ 4FDIC as R e ce iv e r f orIn dy M ac F ed eral B an k,F SBB atc h N um be r: 5116456Transfer Date: 11/26/2007MINS ta tu s : A c ti v e(Regis tered)N ew I nv es to r: 1 000 55 4F DIC as R eceiver furIn dy M ac F ed eral B an k,FSBO ld I nves to r : 1001358Orchid IslandIRS, lLCB atc h N um b er: 47 17 39 1.Transfer-Date: 06/2712007

1001358 O rc hid Isla nd 'IR S , LLCB arb ara C o gu ra

1 / 2

F oreclosure 07/16/2009StatusUpdate

Transfer 03129/2009SeasonedServicingRights

Transfer 1112612007BeneficialR ight s -O ptio n 2

T ra nsf er o f 06/27/2007FlowTOSr rOBServicingRights

Exhibit A


28/93

12/2/2010T ra nsie r o f 06 /27 /2007FlowTOSrrOBServicingRights

Warehouse 01/0412007GestationLenderRemoved

Transfer o f 0110412007FlowTOSrrOBServicingRights

Transfer o f 01104/2007FlowTOSrfOBServicingRights

Registration 11127/2006

1001358 O rc hid I sla nd txs, L LCB arb ara C og ura

1000596 Un iv e rs al Ame ri ca n Mo r tg ag eC om pany , L LC

Batch

1000596 Un iv e rs al Ame ri ca n Mo r tg ag eC om pany , L L C

Batch

1000596 Uni ve rs al Am e ric an Mo rtg ag eC om pany , L LCBatch

1000596 Univ er sa l Am e ri ca n Mo rtg ag eC om pany , L LC

Batch

:M I N S ta tu s: A c tiv e(Registered)N ew S erv ic er: 1000554FD IC as R eceiver forInd yM ac F ed eral B ank,PSBO l d S e rv ic er : 1001358O rch id Island T RS , L LCB atc h N um be r: 4717391S ale D ate : 06/27/2007T ra ns fe r D ate : 06/27/2007M IN S tatu s: Act ive(Registered)Old : 1002652 B ank O ne,NA(Condu i t )B atc h N um be r: 413111 0T ra ns fe r D ate : 01/03/2007M IN S tatu s: Act ive(Registered)N ew I nv es to r: 1001358O rch id Islan d IR S, ILCO l d I nv e sto r: 1000596U n i v e r s a l P u n e r i c a nM ortgage C om pany , L LCB atc h N um be r: 413111 0T r an sf er D a te : 01/03/2007M IN Status : Act ive(Regis t ered)N ew S er vic er: 1001358O rch id Island IR S, L LCO l d S e rv ic er ; 1000596Un iv e rs al Ame ri ca nM ortgage C om pany , L LCB a tc h N um be r: 4131110S ale D ate : 01/03/2007T ra ns fe r D ate : 01/03/2007M IN S tatu s: A ctiv e(Regis t ered)S e rv i ce r: 1 0005 96 UniversalAm e ric an Mo rtg ag eC om pany , L LC

5/12

2 / 2

Exhibit A


29/93

12/2/2010

MIN SUMMARY

6/12

Ac ti v e ( R eg i st er ed )MOMS ub or din ate L i en

11/27/2006Rivers ideD A V IE S , BRIANN/A$110,300.00

QRSSNIn ve sto r L o an N um be rN ote D ate

y

N/A11/16/2006

Summary]000596-0008044463-64 3 -2 77 SENT IERO DRIVEI NOTO , C A 92203R eg D ateCountyPrimary BorrowerP oo l N u m be rN ote A m ou ntServicerCustodianInvestorSubse rvice rInterim FunderOr ig in a ti n g Org ani zat io nP ro pe rty P re se rv atio n C o .

B atch N u mb er T ransfer T ypeN o P en din g B atch es!

1003225 - S pecializ ed L o an S erv icin g, L L CN /A1001065 - U .S . B ank as T ru steeN /AN /AN/AN/A

P e nd in g B a tc h esStatus Transfer Date Sale Date

1/1

Exhibit A


30/93

1 2 / 2 / 2 0 1 0

MILESTONES for 1000596-0008044463-6

7/12

Descrip tion D ate Miles tone In format ionInit iatingOrganizat ion 1User1000375 G M AC M ortg age, L LCBatch

M I N S ta tu s: A c tiv e ( R eg is te re d)N e w S erv ic er: 1 0032 25 S pe cia liz ed L o anS e rv ic in g , L LCO ld S er vi ce r: 1 00 04 40 Residential Fund ingC om pany , L L CN ew S ub serv icer: N on eO ld S ub serv ieer: 1000375 GMA C M o rtg ag e,L L CB atc h N u m be r: 67 95 58 5S a l e D a t e : i1 I 0 3 / 2 ( ) O Transfer Date: 11103/2009

1000375 G M A C M ortg age, L L C M IN S tatu s: A ctive (R eg istered )B atch N ew Investor: 1001065 U.S . B an k as T ru stee

O l d I nv e st or : 1 00 0440 Re s id e nt ia lF u n di ngC om pany , L L CB atc h N u m be r: 6 79 21 09T r an sf er D a te : 11/02 /2009

1 00 04 40 R e sid en tia l F u nd in gC om pany , L L C

M I N S ta tu s: A c ti ve ( R eg is te re d)N ew S ub serv icer: 1000375 GMA C M o rtg ag e,L L CO ld S ub se rv ic er: 100047 4 H om e Com in gsF i na n ci al , L LCQ u ality R ev ie w: Y

1001358 O rch id Island IR S, L L C M IN S tatus: A ctive (R eg istered )B arb ara C ogura N ew Investor: 1000440 R esiden tial F und ing

C om pany , L L CO l d I nv e st or : 1001358 O rc hid Isla nd IR S ,L L C

Batch

B atc h N u m be r: 4348 59 3T r an sf er D a te : 03/09 /2007

1001358 O rch id Island IR S, L L C M IN S tatus: A ctiv e (R eg istered )B arbara C ogu ra N ew Serv ieer: 1000440 R esiden tial F und .ingC om pan y, L L C

O ld S erv icer: 1001358 O rch id Islan d IR S,L L CN ew S ub se rv ic er: 1 0004 74 H om e Com in g:;F i na n ci al , L LCO ld S u b s e r v i C e t :N o n e

Transfer 11110/2009SeasonedServicingllights

Transfer 11/02/2009Benef icialR igh ts -Option 2

M IN 07/06/2009Infunnat ionUpdate

T r an sf er o f 03/09/2007FlowTOS r rOBServicingRights

T r an sf er o f 03/09/2007Flowres/ronServicingRights

1 / 2

Exhibit A


31/93

12/2/2010

Warehouse 01/04/2007Gestat ionLenderRemovedT ra ns fe r o f 01/04/2007FlowTOS ;TOBServicingRights

T ra ns fe r o f 01104/2007FlowTOS ;TOBServicingRights

1'.1",,'h" ....4348593S ale D ate : 03/09/2007T r an sf er D a te : 03/09/2007M IN S t at us : Ac t iv e (Reg is te r ed )Old : 1002652 B ank O ne, N A (C ondu it)Batch Num be r: 4 1311 11Transfer Date: 01103/2007

1000596 Un iv e rs al Ame r ic anM o rtg ag e C om pan y,L L C

Batch1000596 Un iv e rs al Ame r ic an

M o rtg ag e C om pan y,L L C

Batch

1000596 Un iv e rs al Ame r ic anM o rtg ag e C om pa ny ,L L C

Batch

Registration 11/27/2006 1000596 Un iv e rs al Ame r ic anM o rtg ag e C om pa ny ,L L C

MINS t at us : Ac t iv e (Reg is te r ed )N ew In ve sto r: 1001358 O r ch id I sla nd JRS,L L CO ld Investor: 1000596 Un i ve rs a l Ame r i canM ortg age C om pany , L L CBatch Numbe r : 4131111T r an sf er D a te : 01/03/2007MINS t at us : Ac t iv e (Reg is te re d )N ew S erv ic er: 1001358 O rc hid Is la nd T R S,L L CO ld Servicer: 1000596 Un iv e rs a l Ame r i canM ortg age C om pany , L LCBatch Numbe r : 4131111S ale D a te : 01/03/2007T r an sf er D a te : 01/03/2007M IN S t at us : Ac t iv e (Reg is te re d )Servicer: 1000596 Un iv e rs a l Ame r i canM ortgage C om pany , L LC

8/12

Batch

2 / 2

Exhibit A


32/93

.F orm 256 - S ubpD ena In n C n undor ti le B ankrupte)' C od . (11/06) 1 00 6 U SB C , C O ll tr al D 1 .l rl ct o rC a ll fa rl ll a

F OR C O UR T us e ONLYUN ITED STATES BANKRUPTCY COURTCENTRAL D IS TR IC T OF CAL IFORN IA II n r e: ~B ria n W . D av ie s 0c,.:lI\.l0

0. . . . . .~Debtor S UB PO EN A IN A C AS E U ND ER TH E 0)BANKRU PTCY COD eTo : Cas e No. : 6:1 Obk37900Mor tg age E le ct ro nic Reg is tr atio n S ys tems , In c Chapter: 7

o YOU ARE COMMANDED to a pp ea r in th e U nite d S ta te s B an kru ptc y C ou rt a t th e p la ce , d ate , a nd lim e s pe cifie d b elo wto te stify in th e a bo ve c as e.COURTROOMPLACE OF T5STIMONVNot Appl icableDATE AND T IME

o YOU ARE COMMANDED to a pp ea r a t th e p la ce , d ate , a nd tim e s pe cifie d b elo w to te stify a t th e ta kin g o f a d ep ositio nin th e a bo ve c as e.DAT E AND T IMEP1.ACE OF DEPOSITIONNot Appl icable

1 8 1 YOU ARE COMMANDED to p ro du ce and p erm it In spection a nd co pying of t he fo llowin g doc ument s o r o bje ct s a t t hep la ce , d at e, a nd t ime s pe cifie d below (lisl documen ts o r ob ject s) :VE c : A'Ti A c . . . \ - \ E : . ~DAT E AND T I M E11/12/2010 @ 12pmF ' i . A o E30877 Da te Palm Dr., Suite 63Cat hedr al C it y, CA 92234

o YOU ARE COMMANDED to p erm it In sp ec tio n o f th e fo llo win g p remis es at t he dat e and t ime s pe cif ie d below .I ,,,"H""Any o rgani za ti on no t a party t o t his p ro ceed in g t ha t is s ubpoenaed f or t he t ak in g o f a d is po sit io n s ha ll d es ig na te one o rmo re o ff ic er s, d ir ec to rs , o r manag in g agent s, o r o th er p er so ns who c on sent t o t es tif y o n I ts b ehalf , a nd may s et f or th . fo r e ac hp erson de sig na te d, the m atters o n w hich the pe rson w lll te stify. R ule 30(b)(6), F ed er al R ule s o f C ivil P ro ce du re , m ad ea pp lica ble in b an kru ptc y ca se s a nd ro ce ed in gs b y R ule s 1018,7030, and 9014, Fede ra l Ru les o f Bank rup tc y P rocedure.

DATE11/05/2010I SSU ING OFFICER 'S NAMe . ADDRESS AND PHONE NUMBeRL aw O ffice o f R ob er t L . F irlh 3 06 71 Da te Palm D r. , S uite 83 Cath ed ra l C ity, CA 9 22 34

9 /12 Exhibit A


33/93

'I,

Mortg ag e E le ctro nic R eg is tra tio n S ys tems , In c,( "her ei na ft er a lso r ef er red t o as MERS")P. 0, Box 2 02 6 F lin t M ic hig an 4 850 1 -2 02 6Pho ne n umbe r 1 -B 88 -6 97 -MERS ,Produce a ll Mor tgage Elec tron ic Reg is trat ion Sys tems, Inc . a ll documents AND THEFULL MERS AUDIT TRAIL fo r th e p romis so ry n ote s a nd s erv ic in g tra ck in g lis te d:1 ) T he m ortgage loan transaction involving the real prope rty located at 432 77Sen tiero Dr ive Ind io , Ca li fom ia 92203 , t rack31601 -4 lot 75 , R ive rs ideCoun ty , F i rs tD eed oft rust as Instrum ent N o. 2006-08 53245 on N ovem ber 1 7, 2006r efe re nc ed a s M IN : 1 0 00 59 60 00 804 286 39 . L oa n n umbe r. 0 00 804 286 3,2) The m ortgage loan transaction for the second m ortgage on Novem ber 1 7, 2006a t43277Sent le ro POIfEl ln dio , Ca li fo rn ia 92203 , track 31601 -4 lo t 75 , R iver si de

Cou nty , Sec on d Deed o f T ru st a s In strument No. 2 00 6-0 853 24 6MIN: 100059600080444636 . Second Promisso ry No te number: 0008044463Add itio na lly to th e d oc umen ts r efe re nc ed in 1 ) a nd 2 ) th e r ela tio ns hip o f e ac h MERSentity.3 ) Univ ers al Americ an Mo rtg ag e Company o f Califo rn ia , a nd Univ ers al Americ anMortg ag e C ompa ny L LC , In clu de m embe rs hip s ta tu s d urin g th e tim e th eMERS Sys tem has tra ck ed th es e two p romis so ry n ote s a nd s erv ic in g rig hts ,4) C olonial B ank in regards to security interest in the prom issory notes. T he statuso f C olo nia l B an k w ith MERS d urin g th e h old in g o f its se cu rity in te re st in th esub je ct p rom isso ry no te s,5 ) O pte um F in an cia l S erv ic es L LC fo r th e n ote (s ) a nd s erv ic in g in te re sts , T he

s ta tu s o f Op teum F inanci al Se rv ices w it h MERS dur ing t he holdi ng o f t he irrespect ive interests.6 ) In dyma c B an k FSB in re ga rd s to th e s ec urity in te re st a nd s erv ic in g r ig hts d urin gth e p erio d tra ck ed b y MERS ,7) Indymac Mortgage Services during the period tracked by MERS.8 ) A ny docum ent(s) used by the beneficiary, M ER S to declare the N otice o f D efaultw ith th e re co rd in g in stru ctio ns to file th e n otic e o f d ef au lt o n: 4 32 77 Sen tie roD riv e In dio , Califo rn ia 9 22 03 , tra ck 3 1 60 1 -4 lo t 7 5, R iv ers id e Cou nty , A lld oc umen ts in dic atin g th e c urre nt h old er o f th e p romis so ry n ote s a nd th eirrespect ive servictng r ights.9) The MERS agency agreement w ith National Default Exchange LLC,10) Deutsche Bank National Trust Company as Trustee,

-----.-----------~--.--------~~ ..----~~--~ ---_--_-------------~~-

10 /12 Exhibit A


34/93

1Forml56-Subpoclln in p Cal. under th e BUllkrupIC)' Code (12106) 2006 u s n c . C cn tr nl 0 11 1 ,1 ,1 o r CDliforllin

PRO OF O F SER VIC EDATE PLllce

SERVED 11/05/2010 3300 South West 341h Ave. Suite 101 Ocala, Florida 34474-7748S ER VE D O N (P RIN T N AM E) M AN NE R O F S ER VIC EMortgage Electronic Registration Systems, Inc. Regular US MallSERVEO BY ( PR IN T NAME ) TiTlEMichelle Mason Paralegal

11 /12

DECLARATION OF SERVERI declare under penalty of perjury under th e laws of the United S tates of America that the foregoing Information contained

in the Proof of Service is true and correct, IJIfMExecuted on 11/05/2010 J!l.:.... . . f . ! m 1 - ' : . . . . : t J c A = : . . : t : ? V \ ; . . : ; _ . ; _ _ _DATE SIGNATURE O F seRVER

30877 Date Palm Dr. Suite 63Cathedral C ity , C A 92234A DD RE SS O F S ER VE R

Rule 45, F eu eta l R ule , of C ivil P roc ed ure , 5 ulld lvlo lo ns (c), (d ), a nd ( e) . a s ame nd ed o n C ec em b er 1,2006, made appl lc abl ol n eas ea u nd er lh e B ank tu plc y C ed e b y Ru l.11016, F ed er al R ul e. o f B an kr up lc y P ro ce du r. ,(e l P RO TE CTIO N O F P ERS ON S S UB Je CT TO S US PO eNA S.(I) A party or an attorney "",ponslbls for the Issuance am ! sarvlca 01 su bp oe na s ho ll ta ke ro .so Aa ble s le ps to avoid im po sin g u ndu e tu de n D r e xp en sean person s ub je ct 1 0 t h ai s ub po en a. The c ou rt o n b eh alf o f w hi ch t he s ub po en awa s Issu ed sh alle nfolC e th is d uty an d Im po .a u ll Ilh e p ;lrtyo r a Ho me y In ereaeho f I hl s d Ul Y a n a pp ro p~ a\ e s an cU on , which ma y Inc lu de , b ull. n Ollim Ue d to . 1.. 1. ar ni ng . a nd . reasonable aUomayslee.(2) (A) A p er so n c ommand ed to produce and p en nl l I ns pe ct io n, c ap yi rg ,I l ln ~ , o r sampling 0 1 d os lg na ts d e le cl ro nl ca ll y G l Or ed I nl orma ll on , b oo ks , p ap .r s,doeumenbl D r t an gi ble Ih ln gs , o r In sp ec ti on 0 1 p re ml sa s n ee d n ol a pp ea r In p er so ns ll ll e p la ce o f p r od uc ti on ", I ns pe ct io n u nle .s c om ma nd ed to 8 pp o.r fe r d ep os l~ on ,hearing or l r i o l ,(6) S ulJ je cl to pa ra gra ph (d )(2 ) o f th is Me, a per""n com manded 1 0produce and p 8l ml ll ns pe ctl on . c op yi ng , t o. Un g, o r s am pl in g m ay , W ith in 14 daysah .r se rvice o f the subpoena er balore the l im e s pe ci fi ed f or c om pl la nc o I I w e n l imeI. "'s. tha n 14 d ay. a ltsr .. rvle a, .e rvl u po n 1 1 1 0 p ar ty o r I tt cm ey d es ig na te d i n th ea ub po ln a w ri tt en o bj ec ti on to p ro duo ln g an y o r e ll o f the d es ig na te d " ", Ie rta l. D rI ns pe ct io n o f the premise. - or 1 0 p roduci ng e l ec 1 ron fc a ll y , to r ed I nf onna lJQn n theform Dr t e rm, requssted. If o bj ec ti on I s mod e , t ha p ar ty .. " ,l ng t he sUbpo4na shat lI ' IC) Ib& enUlled to Inspect, copy, te .l . o r s em pl e l he material. o r I ns pe cl t ha p re tn ls es"""spt pursuant to an order of the court by wt1 0h Ihe subpoena was issued, Ifo b( eC \l on h es b ee n made , t ho p ar ty s er vin g III > .u bp oe na m ay , u p o n notice to theper.an oomm.ncllld to produce, mnv. at any Urns lor an order 10 com pel Ih ep roducUon, I ns pec ti on , c op) 'i ng . testlng, o r 8 amp ll ng , S uc h an order to compel shanp rowc t a ny p er so n wh o I , n OI a party 01 a n c H ic er o f a p ar ty f rem ~ g ni fl c: an t e xp en ,er ll Sul ll ng f rom ihe I ns pe cU on , c op yi ng , t ea ll ng . o r s am pl in g c omman d. d.1 3J ( A) O n U me ly m Olla n, th e co urt b y w hic h a s ub po en a w as Is su ed s I1 an~ua.h or mod if y I ha s ub po en a H II(I) tall. to aUow r ea so na bl e Ume lo r c om pl ia nt .:( I i) requires a p erso n W ho I. n ola p arty o r a n o lO ee r of p ar ty t o t ro v. 1to a place more then 100 mila' from Ihe pia .. W here lIlal per""n ra.ldes, I.e mp lo ye d D r r eg ula tly t",n .a clo b uslne .. In p ers on , ex ce pl Ih at, s ub je ct to thep ro vi si on s o f c la us e ( cX 3X B) (II ~ 0 1 th is r ule , 8 uc h e p er so n m ay In order 10 .nendtrial be commanded to Ir av el fr om a ny s uc h place w illin th e .Ia la In which the trialI s he ld :

(m) r eq ui re . d is cl os ur e o f p ri vi le ge d o r O lh er protected m aile r an d n oI : l l c c e p U c n o rWIiII'V'IU a p p il e s : o r( I V ) subjects a pOlson to l X Idue bu rdon.(8) I I. s ub po ~n a(I) r eq ul ro s d is cl os ur e c f tr ad e .e cr el or o t he r c onf idenU .1 r es e .r ch ,d e v el o pm e n ( j o r c o m m e r c la l l n fo r m a tl o n, o r( II ) r equ ir es d ls dos u re ot a n u nr at al ne d e xp er t' . o pi ni on o r I nla rm aU on .nol describing .peclnc events Dr ocou"..,c.' In dispute and resulung from Ihee xp er t', 1 1""1 m ad a no t a llh o re qu est o f ony p en y, . rO N ) r eq u l .. .. . p er so n w oo i. nol party or a n o ff ic er o f p ar ty 1 0 I nc urs ubs l. nUa l expen .e to ue v.1 m Ote 1 I1 an 1 00 m tle s lo a tte nd U la l, th e co un m ay. 1 0

~ -~ --p ro tee t-a -p er .o n-.u blec UO ..l> La H.cl.d .-b y_ lh ~~ ub pO !lQ II,_ q~ ~M I_ I1 r m oJ llfyJ iI< !_ _

s u b p o e n a o r, IIlh . p arty In w h o s e b eh alf I he s ub po en a I s I s s u e d s h D W l l a suillllanUalM od for tho to Stim on y or m ale rla l th at ca nn ol be o th er wis e m el w ll il ou l u nd ueh ard sh ip a nd a SG ure s Ih at Ih e p .... on 1 0 w ho m th e su bp oe na l. a dd re ssa d w lU bereasonably cnmpensated, the c ou rt m ay o rd er a pp ea ra nc e o r p ro dU Gt to n o nl y u po nspeci f ied condi t ions .(0 ) D UTIE S IN RE SP ONO IN G T O S UB PO ENA .

(1 ) (A) A perllCll responding 1 0 e subpoena to produce dooumenls shllilp ro du ca ll la m a s I he V are kepi I n t h o m us l c ou rs e a ' b us in e . . o r shall organIZe andl ab el t hem I n c or re sp on d \ ' A I h the c at eg or ie s I n tha demand.(9) If subpoena do no l . poo ll y the fo rm o r fo rm . fo r pro du cin ge lec tr onl ca l y s to r ed I nf ormaUon, a person responding to s < .i lposna must p rodUCet he I nf crmaUo n I n a fo rm o r fo rm . I n W h ic h t he p er so n o rd in ar il y m al nto ln s II o r In aform o r l or ms t ha I ata r " "n ob ly u sa bl e,(C) A peraen responding to a su bp oen a n ee d net p~duce t he me$ ll ct ro nl ca tly n la re d In fo rm aU on In m or e t ha n on e form.(D) A pe rso n re sp on din g to a su bp oe na n ee d n ol p rO 'lld a dlscD OIII)' 01e le ctr on lc aU y s to re d In fo rm at io n fr om s ou rc es t ha i th e p er so n Id an dfi es as nolr eas onab ly ac ceu lb l e because o f u nd ue b urd en or cO SI, O n m otio n 1 0 compeld ls c" ,. ry o r to quash. the po,son from whom d i sc ove r y Is SD \ J gh t must SM w lI1altheIn fo rm atio n $ Ou ghll. no l ,.a .. n ob ly e c~ &iS lb! e b ec au o f ,",d ue b urd en o r c osl,I f t h at s howi ng Is m ad s, th e co urt m ay n on elh eles s o rd er d 1$ cov ary fre m su chs ou rc es I f the r aq uo su ng p ar ty .h ow , good cause, consldorl r19 the imlillUons 0 1RUIe26(b)(2){C). The c ou rt m ay s pe ci fy c on di ti on s l or t ha d i. co ve ry ,(2) ( A) W h en I nt or rn a~ Dn subject to a s ub po en a I s w i th he ld on . c lam lha l llis p r iv ll aged o r SUbj ec t to p ro le oU on a s t na l- pr ep Br al JQ n m at en al s, t he c tS lm s I1 a ll bemad . e xp re ss ly and s ha ll b e s up po rte d by a dascripUon o r l he n al lJ '. of thedocuments, communicBUon" or t hi ng s n ol p ro du aa d that Is $ UI fI cl en ll o e na bl e t hademanding pany 10 c on ie sl t he c la im .

( E I ) 1 Iln io nn aU on I. p ro du ce d In ro sp .n se 1 0 s ub po en a th ai is ou b)e clto a c la im 0 1 prlvllepe or of proll>ellon as t rl al ,p re pa ra ti on m al er ia l, t he p ar so nm .k ln g I he c la im ma y nolffy any pa rt y t ha i r ece i ved the I nl cr maUo n o f t ho c la im a ndIh a b a.l. fa r II. A ~e r b eing n ou ne d, a p a~ y must p romp ll y return. l lO< \ ues le r , o rd es tr oy t he s pe ci ll ed I nf orma ll on a nd a ny c op le n II h as a nd m ay n at u se o r d i sc lo seI ho i nf ormn l1 o n u nU l the claim Is r lve d. A re ca lvin g p ar ty m ay p ro mp tly p r.~the InformaUan to the court under 1 for. dolllnninalion 01 th e c la im . I f th er ac el vl ng p er ty c 1 lo cl a. ed the in la tm aU on b alo ra b ei ng n ol ln ed , II m us t l a~ ere ..... bl. slep. 1 0 r e~ lflII. IL Tho pO rBon who produeed the 'nformalion m ustp re ll et Ve th e l nfo rm aH on u nU llh e c le lm I. r .s ol ve d,(e J C O NT EM P T. F ai lu re of a n y person w llh ou t a dB qu ala e lC C ule 1 0 o bey a s u b p o e n a_ed upon thot person may be deemo. a conll! lT;ll 0 1 I ha c ou rt fr om "" 'Ic h th esu bpo en a ts,u ed . A n a deq ua ls ca use fo r fa ilur e to o be y e l!lsl! w ha n a su bp oen ap ur po rts t . r eq ui re . n on po rty to a He nrJ or p ro du ce a l p la ce n ol w ith in Ih e im ltsp ro vl do d b y c ia us a ( ~) o (e ub pa r.g ra ph ( cK l) IA ).

Exhibit A


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aD\flSOd sn

-------_._- ,._ _ .. _ .

12/12 Exhibit A


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. . .. . ,.t:I5. . ,:;;

------ ---~ --~--------------- ......-~~--------


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-NQz


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[FILED CONCURRENTLY WITH PLAINTIFF'S#1) OPPOSITION TO MERS DEMURRER ANDOBJECTION TO RJN, #2) REQUEST JUDICIAL

) NOTICES FEDERAL SUPOENA MORTGAGE) ELECTRONIC REGISTRATION SYSTEMS, INC.,) #3) REQUEST FOR JUDICIAL NOTICE INDIO) FAMILY LAW CASE IND 088844 ORDER DATE) NOV. 14, 2006]) Date) Time) Dept.

- - - - - - - - - - - - - - - - - - - - - - - - - - - )

PLAINTIFF'S REQUEST FOR JUDICIAL NOTICE OF CALIFORNIA CENTRAL DISTRICT BANKRUPTCY CASE NO. 6:10-BK-37900 DOCKETS 29, 29, 64

45678910111213

Defendants.

1 BRIAN W DAVIES43277 Sentiero Drive2 Indio, California 92203760-904-49283 Plaintiff in Pro Se

)))))16 NDEX WEST LLC; DEUTSCHE BANK )

NATIONAL TRUST COMPANY, as Trustee of)17 the Residential Asset Securitization Trust 2007 - )AS, Mortgage Pass through certificates, series )2007-E under the Pooling and Servicing )19 Agreement dated 3-1-2007; INDYMAC )MORTGAGE SERVICES, A DIVISION OF )20 ONEWEST BANK; OPTEUM; UNIVERSAL )AMERICAN MORTGAGE COMPANY OF )CALIFORNIA; MORTGAGE ELECTRONIC )REGISTRATIONS SYSTEMS, INC; UAMCLLC; DOES 1-20

14 BRIAN W. DAVIES, Plaintiff,15 -VS.-

18

2122232425262728

CASE NO. INC 090697PLAINTIFF'S REQUEST FORJUDICIAL NOTICECENTRAL DISTRICT CALIFORNIARIVERSIDE DMSION BANKRUPTCYCASE NO.6: lO-BK-37900-SCDOCKET 29DOCKET 49DOCKET 64

April 19, 20118:30am2H


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12345678910111213141516171819202122232425

In connection with Plaintiff Fourth Amended Complaint opposition toDefendants Universal American Mortgage Company of California' UniversalAmerican Mortgage Company LLC; and Joinder Lennar, Demurrer, Motion toStrike and Request for Judicial Notice Plaintiff, Brian W. Davies, pursuantFederal Rules of Evidence, Rule 201, and California Evidence Code Sections 452,and 453 hereby requests that the Court take "Judicial Notice" of [Docket 29];[Docket 49]; and [Docket 64]; filed under Debtor's Chapter 7 Bankruptcy Case.

[Docket 29] is entitled "Notice of Motion and Motion for Relief from theAutomatic Stay Under 11 U.S.C. 362 (with supporting declarations) Movant:

F 4001-1M.RP (including a real property declaration of Assistant Vice PresidentBrian Burnett on September 20,2010), exhibit #1 a deed of trust (19 pages),exhibit #2 promissory note (5 pages), an assignment of the deed of trust dated9/20/2010 (2 pages), and an un-amended copy of Debtor's Schedule D andattached as Exhibit "A"

[Docket 49] is entitled "Notice of Motion and Motion for Relief from theAutomatic Stay Under 11 U.S.C. 362 (with supporting declarations) Movant:OneWest Bank. FSB as servicing agent for Deutsche Bank. " The documentincludes 10 pages of the mandatory form F 4001-1 M.RP (including a realproperty declaration of Assistant Vice President Brian Burnett on September 20,2010) and attached as Exhibit "B".

[Docket 64] is entitled "Order Denying Motion for Relief from the AutomaticStay under 11 U.S.C. 362 (Movants: ONEWEST BANK[29] ONEWEST BANKASAGENTOFDEUTSCHE BANK[49]." This document includes 6 pages of themandatory form F 4001-10 DENYand attached as Exhibit "C".

Wherefore the Plaintiff respectfully requests the aforementioned26 .Documents.to beJudiciallyNQticed.________________ .____ _2728

PL A IN TIF F R EQ UE ST F OR JU DIC IA L N O TIC EC AL IF OR NIA C EN TR AL D IS TR IC T R IVE RS ID E B AN KR UPT CY C AS E N O. 6: 1O -B K-37900 D O CK ET 29, D OC KE T 49, D OC KE T 64


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Case 6:10-bk-37900-SC Doc 29 Filed 09/23/10 Entered 09 /23 /1015:13 :53 DescMain Document Page 4 of 10Motionfor'Relieffrom Stay (Real Property} -Page4o f11 F 4001 . . ;1M.R.P

loreB ria n W i llia m D av ie s

(SH ORT TITLE) CH APTER : 7C ASE N O.: 10~37900Debtor(s).

(3)0 (Chapte r 12 or 13 cases.only)( ~) D P o st co nf ir ma tio np la np aym en ts ha ve notbeen made . to i heS tandingTrus tee .(b) 0.Postconfirmation payments required bythe confirmed plan have not.been made to Movant.

(4 ) 0 F or o th er c au se fo r re lie f fro m s ta y, s ee atta ch tld c on tin ua tio n p ag e.b. I!l Pursuant to 11 U ,S .C . 3 62 (d )(2 }(A ) , D eb to r(s )h s$ lh av e n o e qu ity in t he P r ope rt y; . a nd. pu rsuan tt o 3 62 (d )(2 )(B ), th e

Property isn ot n ec es sa ry fo r a n e ffe ctiv e re org an iz atio n.c. .0 P urs ua nt to 11 U .S ,C . 36 2(d )(3 ),D eb to r(s ) h as /h av efa lle d w ith in th e la te r of 9 0 d ay s a fte r th e p etitio n or 30 days after the

court determ ined that the Property q ualifies as sing le asset rea l esta te . to file a reasonable p lan of reorganization or toc omm en ce m on th lY p ayme nts .d .D Pursuantt01 1 U.S.C. 3 62 {d )(4 ), D eb to r's (s ) filin g o f th ep etitio nw as pa rto fa sc heme to de la y, h in de r ; sn dd efra ud cre dilo rs

ith atin vo lv ed ; ..(1) 0 The.transferOfal iorpartownership of , o r o lhe r .i n te rest .i f) , the .P roper tyw l thou tthe .consentOfMovan to rcou rtapproval; or(2) 0 Mu ltip le b an kru ptc y filin gs a ffe ctin g th e P ro pe rty .

4. 0 Mo va nt a. ls os ee ks a nn ulm e nt of the. s ta y . so tha t th e filin g o f t he b an kru ptc yp efitlo n d oe sn ota ffe ct p os tp etitio na cts ,a s s pe cifie dIn the a ttached Declarat!on(s).5, Evidencein Support of Motion: (ImportantNote: Declarlltion(s) in support of theMotion MUST beattllchedhereto,j

a. I E Mo va nt s ubmits th e .a tta .c he d D ec la ra tio n(s )o n :th e C ou rt's a pp ro ve d fo rm s (ffa pp lic ab le )to pro vid e.e vid en ce I n; su pp orto fthisMotionpufsuant to : Local Bankruptcy Rules.Othe r Dec lara ti on(s 1a re a ls o a tta ch ed in su pp or1 of th is M otio n.M o va nt re qu es ts th at t he Cour t c on sid er a s a dm is sio ns th e s ta te me nts m ad ep y D eb to t{ s)u nd er p en aIW . of.p erju ry c on ce rn in aMo va nt 's c la im s a nd t he P ro pe rt y s et f or th in De bt or (s ), s S c he du le s. A u th en tic at ed c op ie so ft he re le va nt po rt iem so ft heS chedules are attached a s E xhib it ..:4 !.- -O the r ev idence (speci fy) :

b. 0c . lild . 0

6. 0 An optional 'Memorandumo1Pointsand Authorities is attached to this Motion.WHEREFORE,Movantp",ysthatthisCourtissueanOrderierminatingol"m()difyjngthes~yandgrantjngthefollowing.($pecifyTormsof reliefrequesteq):'1 . Re li ef fr om . th e . st aya ll ow ll '1 g .Movant (a nd a ny .su cee sso rso r. a s si ,g n sJ t o. pr oceedunde r. app li ca b le non~bank ru p tc y . Iaw to enf or ce . lt sre me die s to fo re clo se u po n a nd o bta in p os se ss io n .o fth e P ro pe rty ;2. 0 A nnulm entofthe stay so thatthefilingoffhebankruptcypetition doesnotaffectposlpetitionacts, as spe cified in the attached

.Declaration(s).3. Iii Add it io n aLp ro v is io n s r eq ue st ed ;

a, Ii! 1"hattheOl 'det~ebind ingand.E! f fe6t ivedespiteaJ ' ly .conver$ ionoNhisbankr4ptCYC;aseJo.acaseunder lanyotherchapterofT ille l1 of the U nited S tates C ode,b. iii Th at t he 1 4 -d ay s ta y d es cr ib ed b y B a nk ru pt cyRule 40 01 ( a) f3 Y bewaiv ed .c. 0 T ha t E xtra ord in ary R elie f b e g ra nte d a s s et f orth in th e.A tla cl1 m en t ( a tt a ahQp t iona l Cou rtFormF=4001- .1M .ER).

T his fo rm IS m an da to ry b y O rd er o f th e U nite d S ta te s B an kru plcy Co urt fo r th e C en tra l District.ofCalifornia.F 4001 ..1M.RPDecember 2 00 9 Exhib it A


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Case6:10-bk-37900-SC Doc29 Filed 09/23/10 Entered 09/23/10 15:13:53Main Document Page 5 of 10Motionfor


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Case 6:10~bk-37900-SC Doc 29 Filed 09/23/10 Entered 09/23/10 15:13:53 DescMotion fo~~~ep,ptffW~PtReal_Ry?f~~ge6 of 1 1 F 4001 ..1M .RP

In re (SHORTTITLE) CHAPTER:7B ria n W illia m D av ie s D eblor(s). C AS E N O,: 1 0-37 900

REAL PROPERTY DECLA,RATION(MOVANT: OneW estBank, FSB )I. --,.,,,__H_fi_IlI_1T_,~_urr_I"'"ct~t-..,.---"..-_-------, decl ar e as f ol lows:

( Pr in t N ame o fD e oJ ar an t)1. I have personal k no wle dg e o f th e matters s et f o.r th I n th is declarat ion a nd , ! fe alle d u po n 1 0t es ti fy . I c ou ld an d wou ld comp et enUy t es llf ythereto. I am over 1 8 years of a,ge. I h ave know ledge regarding M ovant's interestinthe real property .that is the sub ject of this M otion( P ro pe rt y" ) b ecau se (specI1y) :o I am the Movsnlano o wn ero flh e P ro pe rty .o I manage the Property as the authorized agent for the M ovant.l & J lam employed b y M ovant as ( st ate title a nd c ap a city ): Assistant Vice Presi. ,.'o Other (speCify) :

2. lam one .of the custodians of the books, records. and tiles of Movant that pertain to loans and extensions of credit given to Debtor(s)concerning the Prop.erty. l have personally worked on books, records and files, and as to the following facts, I know them to be trueofmy ow n knowledgeorl have gained know ledge of them from the business records of M ovant on behalf.ef M ovant, which w ere madeator about t he tim e of t he e ven ts recorded ,andwhichare maintained in the ordinary course of M ovant's business at or near the tim eofth eacts, conditions or ev ents to w hich they relate. A ny s uc h d oc um en t w as p re pa re d lothe ordInary course of business o f Movan tby a p er so n who h ad pe rs on el k nOW le dg e o fth ee ve nt b ein g reco rded and had or ha s a b us in es s d uty to r eco rd accurate ly such even t ..T he bus iness re cords are available for ins pection and copies ca n be submitted totha Court if required.3. B. Th e address oflha Prope.rty th atis the subject oftnis Motio n is :

S tr e et Addr es s : 43277 Senti ero DriveA pa rtm en t/S uite N o.:C ity , S ta te . Z ip C od e: In dio , CA 92203b. T he legal description or doc um ent rec ording num ber (including .county of recording) set forth in M ovant's D eed of T rus t is attachedas Exhibit 1 ,

OSee attacnedpage.4. Typ e of proper ty (c he ck a ll a pp lic ab le b ox es ):

a. I:!IDebtor's(s') prinCipal residenceb. ~c. 0 Mult i- uni t r esiden ti ale. 0 Industrialg. 0Other (speci fy):

O th er s in gle fa mily residenced,O Commercialo Vac.anllandf.

(ContlnllOd onnex( page)

ThiSform is mendstory by Ordarof theUriiteo Statos Bankruptcy Court for the Central Oistricto1 California.F 40011 M.RPDecembe r 2 0 09Exhibit A


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Case 6:10-bk-37900-SC Doc 29 Filed 09/23/10 Entered 09/23/10 15:13:53 DescM O t i o n f O ~ ~ e R f b Y N ~ ~ ~ . ( R e a l ~ ~ J y p f F l . 9 ge7 0'11 F4001 ..1M.RPIn reBrian' W ill iam' Davies

(SHORT T 1 TL E) CH APTER : 7O ebtor(s). C AS E NO.: 1 Q ..37 90 0

5 . . Na tu re ofOabtor's(s') i nt er es t i n t he Property:B. Ii] So le owne rb. D COo-owner(s)(specify):

Lien holder (spfJcify):Other (specify):Debtof {S) [if did 0 did not listthe Property in the Schedu les f iled in this case,Debto r (s ) acqu ired the intarestin the?ropartyby D grantdaed 0 qui tc la im. deed [i . tr ust deed

c, 0d. 0e. ~f. f i I

Th e d ee d w as re co rd ed o n: 11117/066 . Am ou nto ! M ov an t's c la im w ith re sp ec tto fheProperty: PREPETITION POSTPETlTIQN

s$'.-----a. Principal: $:..- _b. Accrued In te res t : $:..- _c . . .ta teOharges $ : _. ., _d. Costs (Attorney's Fees, Other Costs) : $ . _f. Advances (ProperlyTaxes,lnsurance): $:..- _g. TOTAL CLAIM as of 9116/10 $ , _h. 0 Loan is all due and.payab le because it matured on (specify date):

$ 44134936$ 53222;85$ - ' --->01.101 " ' , 6 0 i i 073w,i 4 . w . ' 2$ 6141)81,$$7QQ ,QO$- - - = - , , , , , , , , , , ~17,141.96$_----

7, Movanrholdsalil deedof trllst' th a t encumber s t he Property.a. A true and correct copy of the docum ent as recorded is attached as Exhib it .b. A true and correct copyciftheprom lssory note or other docum ent that evidences the M ovam 's cla im is attached asExhib l1 . .:2=-- __'c . [i! A tru e a nd c orre ct c op y of th e a ss tg nment( sj tr sn sf er rin g th e b en ef ic ia l'jn te re st un de r th e n ote a nd d ee d o f t ru st to Mo va ntis attachedas Exhibi t . . .. .3'---_

o ju dgme nt lie n o other (specify)

B. S ta tus ofMovant'sclaim r el at in g t o t he P roper ty (fill in all applicable informalion requested below):a. Current in terest rate: 6.5000%b . Contractualmaturfty da ta : 1211/36c. Amount O f current mon th ly payment: $ 2.390.64d. Number o fPREPETrTIONpaymen ls thathave come d ue a nd were notm ade:.!_ _. Total am ount: $ 50,2.03,44e, N um ber o f P OS TP ET IT IO N .p aym ents th alha ve co me d ue an d w ere n ot m ad e.; _ 1 _ _ Total amoun t: $ 2,390,64f.Dt'i1e of POSTP.ETITION. derault: 12 /1/08 .g , L as t p ayme nt re ce iv ed o n th e fo llo win g d ate : 1 1 1 1 1 0 8h. Notice of de fau lt r eco rdadon the f ol low ing da te :i. Notice o f s ale r ec ord ed o n the f l :)lIowlng date:j. Foreolosure sale or ig ina lly scheduled f or t he f ol low ing date:k. Fo rec lo sur e sa le cu rr en tl y soheduled f or t he f ol low ing date;I. Fo rec lo sur e sa le a lr eady he ld on .t he f ol low ing da te :rn , T ru ste e' s d ee d o l'l$ al& slreetty r ecor ded ontha f oUow ingda te ;n. Futurepaymen ts due b y tim e o f a nt lc lp ale dh ea rin g d at e (if applioab/e):An addi ti ona l paymen t or$will c ome due on , and on the dayofe a c h month thereafter, I fth e p aymenUsn otr ec eiv ed b yth a - d : - a - y - o ~ f .t : :- h - e - m - o - n 7 : " t h - .- a~ J a ": 'te - ch a rg e .o f$ - -- - willbe charged 10 lh a lo an .

9 , A tt aohedher et o as exhibit lsa t ru e and co rr ec t . copyof aPOSTPEmTION statement o fa ccounl t ha t acourately r ef le c ts t hedates and amounts o f a ll c ha rg es a ss es se d t o a nd p aymen ts made by th e Debto r(s ) s in ce t he p et itio n d ate ,

Ihisformi$ mandatory by Order .oftneUnited States Bankruptoy Court for tho Central Dislrictof .Califomia.F 4001 ..1M.RPDe cem be r 2 00 9Exhibit A


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Case 6:10-bk-37900-SC Doc 29 Filed 09/23/10 Entered 09/23/1015:13:53 DescMain Document Page 8 of 10Motion for ReUeffrom Stay (Real Property) Page 8 of11 F4001 ..1M.RPln reBrian William Davies

(SH ORT TITLE) CH APTER : 7C ASE N O.: 10-37900Debto!,(s).

1 0. ~ (Chapter 7 a nd 1 1c I'ls es o nly ): The fa ir ma rket value o ft ha enti re Property is $ ; . ; .; ;2_51- '. _ 9 1 ; . ; . ; ; 6 ; . ; . . . . O ; . ; . . . O ~ .establishedby:a. 0 Appraissr's.deo!arstion with appraisal attaohed her ew ith a s Exhib it _b. 0 A real estata 'b rokeror other expert's declaration regarding value attached as Exhibit .... .c. I & J A true an d correct copy of relevant po rl ion (s) o fOeb to r 's ( s ') Schedules at tached as Exhlbit .....4....___d. 0 Other ($pecify): Tota l ValUe p u rs ua nt to BPO Va! ue ~ E )(h lb ft4

1 1 ,0The fai r m ark etv alu e o f the Property Is decl ining based on/du9to: ~ _12. ~ Calculation of equi ty In Property:

a. Based upon 0 p re lim in a ry t it le r epo rt I& l Debtor 'S(s')adm Issions in th e schedules filed in Ih is case, the P roperty Issubjeotto thefollowing dccd(s) oftruat odicn(s) InthQomou.ntl>specified scouring thedebt a9~inst the Property:..~lTIolJ"tKf'lowntoQ!c1ft1'i!nt and S2urce$514.,087.59$110,000.001 st DeedofTrust:2nd Deed onrust:3rd Deed of TrustJ ud gm en t L ie ns :

Taxes:Other :

.Name of Hold!tUniversal Amer ic an Mo rt ga s; leU niv ers al Am eric an M o rtQ a ge

TOTAL DEBT : $ 620 tOOg .OOb . Ev id ence e s ta b li sh in g th e e X is te nc e o ftn e a bo ve de ed (s ) o ftru st a nd lie n(s ) Is a tta ch ed a s E xh ib it ...; 1; ,:...4 .:...-_ .a n6c on sis ts o f:o Preliminary title reportf K l Relevant portions o f Deb tor 'a . (s ' ) Schedules as file d in th is caseo Other (specify):c.Subtracting the deed(s} oftrust andolher lienta) set forth above from the value of the Property as seHorthin Paragraph 10 above,th e Debtor's(s') equity in lhe Property is$ ..S68 .024.00 (362(d)(2)(A}).d. The value o f th e "equity cushlon"inthe Property exce.eding Movant's debt and a ny Ije n(s) senior to Movant is$~372.111.59 ( 362{d)(1)1.e.Estimated costs ofssle: $ . _ {Estimate based upon % o f e stim ate d g ro ss s ale s p ric e}

13 . 0 (Chspter12and13 cases only ) Cha pte r 1 2 o r 13cas9status information:a. 341(1'1) Meet ing cu r ren t lysohedu !ed fo r (o r conc luded on ) t ne fo ll ow ing da te :Confirmation hearing currently schedu led for (o r oOno luded on ) tho fol lowing date:Plan confirmed on.the1ollowing dale (if applicable).:b. P ostpe lltion/preconfirm ation paym ents due:B UT R EM AIN IN G U NP AID since the filingof.the case:

(Number.of) paymen t( s) d uo a t $'-- _(NumberQf)payment(s) du e al$l-.. ~_(N(!mberof) i at echarge (s ) a t $. _(Number of) la te charge(s) at$ ~ _

each ;::each ;::each .:::each ;::$ . - - - - - - - - - - - - - - - - -s$._------

(Continued onnexlpage)

T his fo rm is m an da to ry b y O rd er o f th e U nite d S ta te s B an kru ptc y C ou rt fo r th e C en tra lO is lric t o f C alif()l'n la .F 4001 ..1M.RPExh ib it A


46/93

Case 6:10-bk-37900-SC Doc29 Filed 09 /23 /10 Entered 0 9/2 3/1 0 1 5 :1 3:5 3Main Document Page 9 of 10M otIon for Relieffrom S tay (R eal Property) - Page90f11Desc

F4001 ..1M.R'PloreB ri an W i ll iam Davi es

(SHORT TITLE) CHAPTER: 7'CASE NO.: 10~37900Oebtor(s).

c. P ostpetilionfpreconfjrm ation adv ances or other Q h arges due but .unpaid:(S ee attachm ent for details of type and am ount.) $ . ~ - - - - - - - - - - - - - - - - - - -T OT AL P OST PE TIT IO N/P RE CONF IRMA TIO N D ELIN Q UEN CY : $~ _

d.Postconfirmation paym ents due BU T R EM AININ G UN PAID since plan confirm ation (JfappJicable):(Number of) paym ent(s) due at $ _(Number()f) pay ment(s} due at $ : _(Number of) latechafg~(s) 8t$. ----(Number of) l ate cha rga (s ) at $:-.._-------

T OT AL P OS TCON FJ RM AT IO N D ELIN Q UEN CY :

each = seach '" $each '" seach '" $$

$

e. Pos tc on firm atio na dv an ce s o r o th er ; (lh arg es du e but unpaid:(See a ttachment for details of type and amount)

t 0 T he c la im is p rQv i ded fo r I n the Cha pte r 1 2.o r 1 3. P la n, .P la np ayme nt. hls to ry is a ac nE ld . as J :;xl'llllit _g. 0 See a tt ac he d Dec la ra lio n( s) of Chapter 12 or 13 Trustee regarding receipt of payments under the plan ( atta ch C OU itJ;orm F40011M. 13).

14. 0 Movant ha s no t b ee n pro vide d w ith e vld en co th at th e P ro pe rty is currently insured, as req uired under the term s of the loan,15.0 The court de1ermlraed1hat the PfQperty qualifies as singleesset real estate on More than 90 days have

p as se d S in ce th e filin g o f th e p etitio n, more than 30 days have passed since the court determ ined that the Property q uaUff es a ssingle asset real estate, the Debtor(s) has/hav e not filed a planof re org an iz at io n t ha t has aressonable possibility of beingconfirmed w ith in a re as on ab le t im e or the Deb to r (s ) has/have not c om menced m onthly p$yments to M ovant as req uired by 1 1U.$.C. 362(C1)(3).16.0Seeat ta< ;hed cont inual ionpage for facts es tablishing that thebanl< ruptc ycase w as filed i n. bad f ait h to d ela y, h in de r or defraud

Movant.1 7 0 T he filingof.1 he petition w as part ofa schem e lodelay. hind er and defraud creditors thatinvolved:

a; 0 T he tra ns fe r o fa Jl o r p art o wn ers hip o f, o r o th er in te re st in , th e P ro pe rty w ith ou Hh e c on se nto fM ov an t or c ou rt .a pp ro va l. S eeattached continuation page for facts estab l ish ing t he scheme .b . 0 Mullip le ba nk ru ptc y flU ng s a ffe ctin g th e P rope rty . T he multiple bankruptcy f il ings Include the f oll ow in g cases :1, CaseName:Cas e N um be r:D at e F lie d: Chapter:Da te D ism is sed :o was 0w as not granted, Da te D is char ged:R elie f f rom stape thi s p roper ty2. CaseName:Case Number. Chapter:Date F iled: Date D ismissed:

R elie ffro ms ta yre th is p ro pe rty 0 was 0 wEls no ! g ra nte d.3, OSee attached continuation page for more information about other bankruptcy cases affecting the Property.Date Discharged:

o See a tta ch ed c on tin ua tio n p ag efo rJ ac ts establishing t ha i t he mu lt ip le bankr up lc ycases we re part of a scheme to d ela y. h in de r,a nd d efr au d c re dito rs .

This form Ismandatory by Order altho .Unlled Stales 6ankruptcyCaurt for the Central Dlstlicl of Califomla.F4001-1M.RPDecember 2009Exhibit A


47/93

Case 6: 10.,bk-37900-SC Entered 09/23/10 15:13:53 Dese19Printed: 7 /2 /20097:13:01 AM PSTSearched: 7 /2 /2009 7:15:00 AM Riverside, California

Assessor's Parce1601-7!O-020_5Tax Year: 2008-2009

Payment a s of: 06 /26 /2009

Order: Non-Order SearchCo: Lende r Process ing Serv ices Defau lt T it le

Dept: I rvine CRN: 0006100005TO: 0]

Created B y : Aidan LeedomPrinted B y: aidanAPN: 601-710-020-5Described A s: .21 ACRES MIL IN LOT 75 MB 3911035 TRAddress: 43277 SENTIERO INDIO 92203City: INDIOBilling Address: 43277 SENTIERO DR INDIO CA 92203Assessed Owner(s): DAVIESBRIANWMailing Name(s): DAVIES, BRIAN WTax Rate Area: 007-094 Value Conveyance Date: NOV 2006

Land: 134,000.00 Conveying Instrument: 853244Use Code: R1 Improvements: 248,000.00 Date Transfer Acquired:

Single family residential Personal Property: Vesting: SMRegion Code: Fixtures: Year Built:Flood Zone: . Inventory: Year Last Modified:Zoning Code:Taxability Code: 0-00 Exemptions

Homeowner: Square FootageTax Rate: 1.13985 % Inventory: Land:

Personal Property: Improvements:Religious:

Bill #: 0408082 All Other: Tax Defaulted:Issue Date: Net Taxable Value: 382,000.00 Total Tax: 8,855.04

4,427.52 473.72 04110/2009 PAroW!PENALTY

05/31120092nd

Account Special Lien Description Amount68-850068-850368-245468-455668-461468-468268-8458

INDIO CFD 2004-1 MELLO-ROOSINDIO CFD 2004-3 TERRA LAGOCITY OF INDIO SOLID WASTE CHGCOACHELLA VALLEY MOSQUITO AND RIFACOACHELLA VAL. RECfPK AS 01-1VALLEY SANITARY SEWER SERVICEINDIO WASTE RECYCLE SURCHARGE

MELLO-ROOS389.66

3,688.90140.6410.549.32

259.002.76

Underlying Parcels:601-290-040

Future Parcels: Related Parcels:

** MELLO-ROOS DISTRICT LIENS INCLUDED IN TAX BILL ANNUALLY **ALL CURRENT &DELINQUENT TAXES MUST BE PAID BEFORE BOND PAYOFF IS ACCEPTED *

** * END OF REPORT .***

E~PitA-1

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