Wrongful-Foreclosure-Xyz-ABC.doc

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Xyz Abc
Plaintiff, In Propria Persona
SUPERIOR COURT OF CALIFORNIA
COUNTY OF LOS ANGELES, –Central i!trict Stanley "#!$
Xyz Abc,
Plaintiff
%!&
'AN( OF A"ERICA )O"E LOANS
SER*ICING, LP +'OA, f-$-a
COUNTRY.IE )O"E LOANS
SER*ICING LP&, INC&+C)L,/
"ORTGAGE ELECTRONIC
REGISTRATION SYSTE"S, INC&
+"ERS, a! 'eneficiary/
RECONTRUST +ReC#n,/
FIRST LOS ANGELES "ORTGAGE
+0
!t
LA",/
"IC)AEL S& "AGNESS/
1ANE-1O)N OES 02033,
efen4ant!
5555555555555555555555555555555555
Ca!e N#&65
FIRST A"ENE *ERIFIE
CO"PLAINT
0& ECLARATORY RELIEF
7& FRAU 8 CONSPIRACY TO
CO""IT FRAU/
9& TORTIOUS *IOLATION OF
STATUTE/
:& CON*ERSION/
;& REFOR"ATION +NOTE,/
<& *IOLATION OF 'USINESS 8
PROFESSIONS COE =0>733
>& *IOLATION OF CA CI*& COE
=7?79&<, 0>@@&0>, 0;>7/
@& IN1UNCTI*E RELIEF/
SPECIFIC PERFOR"ANCE
?& 'REAC) GOO FAIT)
8FAIRNESS
1URY TRIAL E"ANE
COMES NOW, Plaintiff Xyz Abcs, proceeding in propia persona, and files
Plaintiff’s First Aended !erified Coplaint " #
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Plaintiff’s First Amended Verified Complaint$
Plaintiff re%&ests t'at 'is Pro se stat&s be recognized, and treated by t'e Co&rt
as ('e )nited States S&pree Co&rt, and )S *istrict Co&rts 'a+e 'eld s&c' stat&s be
recognized and treated$ ,A pro se litigant-s pleadings are to be constr&ed liberally and
'eld to a less stringent standard t'an foral pleadings drafted by la.yers/$ Haines v.
Kerner, 010 )$S$ 2#3, 241"4#, 34 S$Ct$ 230, 51 6$Ed$4d 724 8#394:; see also Estelle v.
Gamble, 043 )$S$ 39, #17, 39 S$Ct$ 4<2, 434, 21 6$Ed$4d 42# 8#397:; Gillihan v.
Shillinger, <94 F$4d 352, 35< 8#1t' Cir$#3<3:$ ,We 'old pro se pleadings to a less
stringent standard t'an pleadings drafted by attorneys and constr&e t'e liberally/$
annenba!m v. "nited States, #0< F$5d #474, #475 8##t' Cir$ #33<: 8per c&ria:
T)E PARTIES
#$ ('is action concerns certain real property, of .'ic', Plaintiff, Xyz Abc,
an indi+id&al residing in t'e State of California, Co&nty of 6os Angeles, and inter alia,
is t'e p&rc'aser of t'e real property, located at #45 Fo&r Fi+e Si=, and clais an
e%&itable and beneficial rig't of title to t'e real property described 'erein at all ties
rele+ant fro and after April 0, 4117$, Xyz Abc o.ns, and .'ere 'e c&rrently resides$
('e certain real property is located at #45 Fo&r Fi+e Si=, identified as Assessor’s
Parcel Nos$ 1#, 14, 15 in t'e Co&nty of 6os Angeles, State of California 8,t'e
property/ or ,property/: and is ore partic&larly, legally described as>
6ot ###, 444, 555 of (ract No$ 2222, in t'e City of 6os Angeles,
Co&nty of 6os Angeles, State of California, as per Map recorded in
?oo@11 pages 11 to 11 incl&si+e of Maps, in t'e Office of t'e Co&nty
Plaintiff’s First Aended !erified Coplaint " 4
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Aecorder of said Co&nty$

4$ *efendant 'AN( OF A"ERICA )O"E LOAN SER*ICING, INC&
+A'OAB, forerly @no.n as Co&ntry.ide Boe 6oans Ser+icing 8,CB6/:, is a
eber of a National ?an@ing Association, and are lenders and ser+icers, .'ic'
reg&larly engage in b&siness in t'e State of California, and .'o reg&larly pro+ide
ortgage loans and related ser+ices to residents in t'e State of California$ ?OA
naed Mortgage Electronic Aegistration Systes ,MEAS/ as noinee and .'o is
eit'er assigned or noinated as beneficiary of t'e certain *eeds of (r&st recorded at
t'e Co&nty Aecorder$ CB6 .as a Ne. Cor@ corporation d&ly licensed to do b&siness
in t'e State of California, .it' its principal place of b&siness in t'e state of California
located at 0211 Par@ Dranada, Calabasas, California 3#514, and .as t'e iss&er of t.o
separate ortgages ta@en o&t by defendant Magness on or abo&t April 0, 4119, and
sec&red by certain *eeds of (r&st recorded as *oc&ent Nos$ 17"197535< and 17"
1975353 in t'e Office of t'e Co&nty Aecorder of t'e Co&nty of 6os Angeles, State of
California$ Plaintiff is infored and belie+es, t'erefore alleges t'at by +irt&e of said
ortgages, ?OA clais soe rig't, title, estate, lien, or interest in t'e property,
ad+erse to Plaintiff’s title$
5$ *efendant "ORTGAGE ELECTRONIC REGISTRATION
SYSTE"S, INC& +A"ERSB, is a corporation d&ly organized and e=isting &nder t'e
la.s of t'e State of *ela.are, .it' an address and telep'one n&ber of> Post Office
?o= 4147, Flint, Mic'igan, 0<21#"4147$ MEAS is an electronic registration syste,
t'at .as created by t'e real estate ind&stry to electronically register properties in order
Plaintiff’s First Aended !erified Coplaint " 5
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
for t'e properties to be sold into sec&ritization; and @eep t'e costs do.n by c'eating
t'e States and Co&nties o&t of t'e ta=es associated .it' Aegistering t'e properties after
eac' s&c' sale$ Plaintiff is infored and belie+es t'at *efendant MEAS is t'e
noinee of *efendant ?OA and t'e beneficiary of t'ose certain *eeds of (r&st
recorded as *oc&ent Nos$ 17"197535< and 17"197353 in t'e Office of t'e Co&nty
Aecorder of t'e Co&nty of 6os Angeles, State of California, and is s&ed 'erein on t'at
basis and only in said *efendant’s capacity as t'e naed ?eneficiary for s&c' *eeds
of (r&st and for any part t'ey 'ad in t'e &nla.f&l Sale )nder Po.er perfored by t'e
rest of t'e defendants$
0$ *efendant RECONTRUST +AReC#nB, is ,Bead%&artered in ('o&sand
Oa@s, CA, Aecon(r&st is a eber of t'e ?an@ of Aerica faily of copanies$/
#
,O&r offerings incl&de> EForeclos&re ser+ices in non"F&dicial states> We c&rrently offer
foreclos&re tr&stee ser+ices in Alas@a, Arizona, Ar@ansas, California, Ba.aii, Gda'o,
Mississippi, Montana, Ne+ada, Nebras@a, Oregon, (ennessee, (e=as, )ta', !irginia,
and Was'ington .it' plans for e=pansion into additional non"F&dicial F&risdictions$/
4
2$ *efendant "R& "IC)AEL S& "AGNESS
5
8A"r& "aCne!!B, #r
A"aCne!!B: is an indi+id&al residing in t'e State of California, Co&nty of 6os
1
'ttp>HH...$recontr&stco$coHabo&tI&s$asp=
2
'ttp>HH...$recontr&stco$coHdefa&ltIser+ices$asp= AeCon states se+eral places
t'ro&g'o&t t'eir .ebsite ,non"F&dicial foreclos&res/, .'ic' ca&ses s&spicion$
3
Plaintiff and Magness 'ad been friends since late c'ild'ood, and o+er t'e co&rse of
t'eir friends'ip, Plaintiff .as a.are t'at Magness .as eployed as a ortgage bro@er
in t'e Co&nty of 6os Angeles, State of California$ Magness 'ad infored Plaintiff t'at
t'ere .ere probles .it' Plaintiff’s credit t'at .o&ld coplicate 'is efforts to obtain
financing$
Plaintiff’s First Aended !erified Coplaint " 0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Angeles$ Plaintiff is infored and belie+es and on t'e basis of s&c' inforation and
belief, 'olds t'at *efendant Magness clais an interest in t'e Property, d&e to 'a+ing
illegally p&t t'e loan and deed of t'e property into 'is nae rat'er t'an t'e nae of
Plaintiff$ Mr$ Magness, at all ties rele+ant, 'as beenH.as licensed as a salesperson
eployed by #
st
6AM .it' t'e *epartent of Aeal Estate, and also .as .or@ing part"
tie as a ortgage bro@erHsalesan .it' Co&ntry.ide Boe 6oans, Gnc$ 8,CB6/:,
.'o becae ?an@ of Aerica$
7$ Plaintiff is infored and belie+es t'at 1ane-1#Dn #e! 0 tDrE 033
8,*oes/: are liable for soe acts, oissions and .rongs coitted against Plaintiff,
b&t Plaintiff at present, is &ncertain as to t'e correct naes and capacities of said
&nnaed defendants$
9$ Plaintiff 'ereby s&es s&c' *OES, and reser+es t'e rig't &nder Cal. Civ.
Code 090, et al$, to aend t'e naes and capacities of s&c' *OES .'en ascertained$
GENERAL ALLEGATIONS
<$ Mr$ Magness coitted fra&d by @no.ingly, .illingly, .antonly,
alicio&sly, and in bad fait', too@ o&t loans for t'e property t'at Plaintiff .as
p&rc'asing in 'is o.n nae$
3$ Mr$ Magness’ fra&d&lent, and deceitf&l acts in bad fait', res&lted in great
onetary enric'ent for Mr$ Magness$
#1$ Mr$ Magness contin&ed to pre+ent Plaintiff’s loan and property fro
being placed into Plaintiff’s nae, .it' t'e act&al @no.ledge of Magness’ eployers
CB6 and #
st
6AM$
Plaintiff’s First Aended !erified Coplaint " 2
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
##$ *efendant #
st
6AM @no.ingly, .illingly, .antonly, alicio&sly, and
intentionally, s&bitted t'e loan pac@age, fro .'ic' @ey doc&ents, s&c' as t'e
sales contract, .ere issing$
#4$ *efendant #
st
6AM’s Mr$ Jo'n Pianalto @no.ingly, .illingly, .antonly,
alicio&sly, and .it' t'e intent to defra&d Plaintiff, 'ad act&al @no.ledge t'at Plaintiff
.as t'e tr&e p&rc'aser of t'e property, and .as a.are of Mr$ Magness’s illegal acts; as
stated in S.orn testiony, Mr$ Pianalto ,@ne./ .'at .as going on, 'e ,didn’t care/,
and 'e only .anted ,to get paid/$
#5$ All defendants are b&siness entities &nless ot'er.ise stated, t'ey do
b&siness and 'a+e residency and b&siness contacts .it'in t'e Co&nty of 6os Angeles,
California
#0$ ('e *efendants,
0
and eac' of t'e, .ere t'e agents, eployees,
representati+es, partners, officers, principals andHor Foint +ent&rers of eac' of t'e
reaining defendants, and in doing t'e t'ings 'ereinafter alleged, .ere acting .it'in
t'e scope, co&rse and p&rpose of s&c' agency, eployent or position, or .it'in t'e
apparent scope, co&rse and p&rpose of s&c' agency, eployent or position and .it'
perission and consent of eac' of t'e reaining defendants
#2$ *efendants 'ad act&al @no.ledge t'at Plaintiff 'ad pre+io&sly so&g't,
and .as being appro+ed for a loan else.'ere and defendants led Plaintiff to belie+e
t'at 'e .o&ld get a &c' better deal .it' t'e$
4
W'ene+er appearing in t'is coplaint, eac' and e+ery reference to *efendants or to
any of t'e, is intended to be and s'all be a reference to all *efendants 'ereto, and to
eac' of t'e, &nless said reference is specifically %&alified$
Plaintiff’s First Aended !erified Coplaint " 7
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
#7$ Plaintiff is infored, belie+es, and 'as a transcript of Mr$ Magness
stating t'at 'e 'ad ta@en oney in t'e ao&nt of K#21,111$11 fro Plaintiff t'at 'e
.as to sec&re a loan for t'e Plaintiff’s property, in Plaintiff’s nae$
#9$ Plaintiff is infored and belie+es t'at after t'e loan .as originated and
f&nded, it .as transferred to defendant Mr$ Magness$
#<$ Mr$ Magness, in fact obtained t'e loan in 'is o.n nae, and later too@ a
second loan against t'e property .it'o&t Plaintiff’s @no.ledge or perission$
#3$ Mr$ Jo'n Pianalto, eployed .it' #
st
6AM, in s.orn, Oral testiony,
stated t'at t'ey 'ad act&al @no.ledge of Mr$Magness’ acts, and did not'ing to rectify
t'e proble, t'ereby becoing as g&ilty as Mr$ Magness for t'e act$
41$ After Plaintiff learned t'at t'e loan and deed .ere not in 'is nae,
Plaintiff .as able to 'a+e t'e (G(6E ordered
2
into 'is nae, and alt'o&g' Plaintiff
diligently attepted to 'a+e t'e loan transferred into 'is o.n nae, Plaintiff co&ld not
'a+e t'e loan associated .it' t'e property transferred$
4#$ Mr$ Magness, .'ile &nder Oat', d&ring Oral testiony, aditted t'at 'e
'ad ta@en o&t a second loan against t'e Plaintiff’s property, and t'at Mr$ Magness 'ad
spent t'e oney on ,+ario&s e=penses/ not associated .it' t'e Plaintiff’s property$
44$ Plaintiff, .'ile attepting to 'a+e t'e loan p&t into t'e proper nae, .as
told by CB6 and later ?OA, t'at t'ey .o&ld no longer accept payent fro 'i, d&e
to 'is nae not being on t'e loan doc&ents$
5
S&perior Co&rt of 6os Angeles for t'e Co&nty of 6os Angeles, Ci+il Action L>
?C5555555
Plaintiff’s First Aended !erified Coplaint " 9
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
45$ Mr$ Magness failed to a@e payents, and Plaintiff .as forbidden to
a@e payents, ca&sing t'e loan to go into defa&lt$
40$ ?OA, and AeCon &nla.f&lly foreclosed on Plaintiff’s property, .it'
act&al @no.ledge t'at Plaintiff 'ad been a +icti of fra&d&lent acts of defendants Mr$
Magness and #
st
6AM$
42$ Plaintiff, f&rt'er, is infored and belie+es, t'at t'e doc&ents s'o.
.it'o&t do&bt t'at defendants .'o perfored t'e &nla.f&l foreclos&re of 'is property,
lac@ed standing to perfor s&c' foreclos&re$
47$ Plaintiff alleges t'at t'e foreclos&re sale of t'e property .as not
e=ec&ted in accordance .it' t'e re%&ireents of California Civil Code ## $%&'( &)&'
et seq.
49$ ?OA andHor AeCon, .'o .ere allegedly acting as t'e agent of t'e
principal, failed to 'a+e .ritten a&t'orization to act for t'e principal and &nder Cal.
Civ. Code #$%&' t'e agency relations'ip &st also be in .ritten for$
4<$ ('e notices and foreclos&re failed to confor .it' t'e pro+isions of Cal.
Civ. Code ##$%&'( &)*&.+ et se,., and Commer-ial Code # **.& et se,.
43$ Plaintiff f&rt'er alleges t'at Cal. Civ. Code # &)&' and its s&bparts are
beingH'a+e been applied to Plaintiff in a anner t'at is &nla.f&l, beca&se at least in
part ?OA and AeCon 'ad proceeded .it' t'e foreclos&re of Plaintiff’s property
not.it'standing t'e follo.ing facts and circ&stances>
a$ Plaintiff tendered an ao&nt of One B&ndred Fifty"(.o ,Fo&r
B&ndred ('irty"('ree *ollars 8K#24,055$11:, as ore partic&larly alleged in
Plaintiff’s First Aended !erified Coplaint " <
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
'erein;
b$ Plaintiff is infored and belie+es t'at neit'er ?OA, nor AeCon
.ere in possession of t'e original Note, t'at t'e Note .'en it .as assigned to
MEAS did not con+ey t'e po.er of sale beca&se it +iolated t'e ters of Cal.
Civ. Code #&)*&.+, andHor t'at t'e Note e=ec&ted .as no longer a negotiable
instr&ent beca&se t'e assignent .as not p'ysically applied to t'e Note, and
as s&c' t'e foreclos&re of Plaintiff’s s&bFect property did not confor .it' t'e
strict andates of Cal. Civ. Code # &)&'.
51$ Plaintiff is infored and belie+es t'at ?OA and AeCon .ere acting as
t'e agent of t'e agent of t'e agent of t'e ?eneficiary for Plaintiff’s Note and t'e
notices t'erein$
5#$ ?y +irt&e of t'e et'od and anner of defendants’ carrying o&t of Cal.
Civ. Code #&)&', *efendants proceeded .it' t'e foreclos&re of t'e property .ere
acting in +iolation of said stat&te$
54$ April, 4119, Plaintiff filed a ci+il action to %&iet title, .'ic' M&iet (itle
.as Dranted in Plaintiff’s fa+or$
55$ April, 41#1 Plaintiff 'ad to file ?an@r&ptcy d&e to t'e actionsHinactions
of t'e defendants$
50$ On or abo&t J&ly 411<, and October 4113, Plaintiff ser+ed by letter on
*efendants ?OA, Notice of *isp&te N Ae%&est for Acco&nting, Notice P&rs&ant to
Aeal Estate Settleent Proced&res Act 8AESPA: a M&alified Written Ae%&est$
52$ Gn +iolation of AESPA, #4 )$S$C$ O4719, said defendants 'a+e failed to
Plaintiff’s First Aended !erified Coplaint " 3
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
respond to said notice by plaintiffs and 'a+e s&bstantially failed to respond to all ot'er
co&nications and in%&iries by plaintiffs$ Attac'ed and incorporated by t'is
reference as /E0hibit A1$
57$ Plaintiff f&rt'er contends>
8a: t'at Plaintiff tendered t'e f&ll ao&nt o.ing as of t'e date of tender
as ore partic&larly alleged 'erein;
8b: t'at failing to coply .it' AESPA as ore partic&larly alleged
'erein, defendants .ere not entitled to proceed .it' t'e foreclos&re &ntil
s&c' copliance occ&rred; and
8c: on inforation and belief, t'at defendants .ere not ot'er.ise
entitled to contin&e .it' said foreclos&re beca&se of t'e lac@ of proper
stat&tory e=ec&tion of t'e deed of tr&st as ore f&lly alleged 'erein;
8d: Alt'o&g' Plaintiff, at t'e tie, did not @no. t'e *efendants 'ad
act&al @no.ledge t'at t'e loan .as ne+er in Plaintiff’s nae, too@
payents fro Plaintiff, &ntil 'e anaged to get t'e *eed transferred
into 'is nae, t'en defendants ref&sed payent fro 'i, claiing t'at
t'e loan is not in Plaintiff’s nae$
59$ Plaintiff, 'a+ing been tric@ed and decei+ed, t'ro&g' fra&d, to t'in@ t'at
'e 'ad applied for, and .as appro+ed for a loan in 'is o.n nae, and 'a+ing paid a
do.n payent of One B&ndred (en ('o&sand *ollars 8K##1,111$11:, belie+ed t'at
said loan 'ad been appro+ed, and t'at t'e loan and *eed .ere in Plaintiff’s nae t'e
entire tie$
Plaintiff’s First Aended !erified Coplaint " #1
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
I&
FIRST CAUSE OF ACTION
FOR ECLARATORY RELIEF AGAINST
+A! ACain!t All efen4ant!,
5<$ Plaintiff incorporates Paragrap's one 8#: t'ro&g' ('irty"Se+en 859: of
t'is Aended Coplaint, all paragrap's of general allegations, and any &nn&bered
paragrap's, as t'o&g' t'ey 'a+e been f&lly restated and set fort' 'erein$
53$ An act&al contro+ersy e=ists in .'ic' t'e parties &st ascertain t'eir
rig'ts, d&ties and rig't to title in t'e S&bFect Property$
01$ A F&dicial deterination is necessary t'at t'e parties ay ascertain t'eir
rig'ts, d&ties and rig't to title in t'e S&bFect Property$
0#$ ('e Plaintiff desires t'e co&rt a@e a F&dicial deterination as to t'e
party’s rig'ts, and d&ties concerning Plaintiff’s Aeal Property$
04$ An act&al contro+ersy 'as arisen and no. e=ists bet.een Plaintiff and
*efendants, and eac' of t'e, concerning t'eir respecti+e rig'ts, obligations and
d&ties as it relates to t'e S&bFect Property$ Gn partic&lar, on one 'and, Plaintiff
contends>
8a: t'at Plaintiff tendered t'e f&ll ao&nt o.ing as of t'e date of tender
as ore partic&larly alleged 'erein;
8b: t'at failing to coply .it' A$E$S$P$A$ as ore partic&larly alleged
'erein, defendants .ere not entitled to proceed .it' t'e foreclos&re &ntil
s&c' copliance occ&rred; and
8c: on inforation and belief, t'at defendants .ere not ot'er.ise
entitled to contin&e .it' said foreclos&re beca&se of t'e lac@ of proper
Plaintiff’s First Aended !erified Coplaint " ##
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
stat&tory e=ec&tion of t'e deed of tr&st as ore f&lly alleged 'erein;
8d: Alt'o&g' Plaintiff, at t'e tie, did not @no. t'e *efendants 'ad
act&al @no.ledge t'at t'e loan .as ne+er in Plaintiff’s nae, too@
payents fro Plaintiff, &ntil 'e anaged to get t'e *eed transferred
into 'is nae, t'en defendants ref&sed payent fro 'i, claiing t'at
t'e loan is not in Plaintiff’s nae$
05$ Plaintiff, 'a+ing been tric@ed and decei+ed, t'ro&g' fra&d, to t'in@ t'at
'e 'ad applied for, and .as appro+ed for a loan in 'is o.n nae, and 'a+ing paid a
do.n payent of One B&ndred (en ('o&sand *ollars 8K##1,111$11:, and an
additional Forty"One ('o&sand, Se+en B&ndred *ollars in payents; belie+ed t'at
said loan 'ad been appro+ed, and t'at t'e loan and *eed .ere in Plaintiff’s nae t'e
entire tie$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
8a:Plaintiff desires a F&dicial deterination of Plaintiff’s Aig'ts, and of
*efendants obligations and d&ties, and a declaration as to .'o is responsible
for payent of t'e loan;
8b:$ For an Order, re%&iring *efendant to 'a+e a loan reflecting only t'e
Plaintiff to coincide .it' t'e *eed in Plaintiff’s nae, and a restraining
orderHinF&nction pre+enting *efendants andHor t'eirHits agents, eployees,
officers, attorneys, and representati+es in t'e f&t&re fro engaging in or
perforing any of t'e follo.ing acts> 8i: offering, or ad+ertising t'is property
for sale and 8ii: attepting to transfer title to t'is property and or 8iii: 'olding
Plaintiff’s First Aended !erified Coplaint " #4
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
any a&ction t'ereof;
8c: For costs of s&it inc&rred 'erein;
8d: For reasonable attorney’s fees pro+ided by contract or stat&te; and
8e: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
II&
SECON CAUSE OF ACTION
FRAU AN CONSPIRACY TO CO""IT FRAU
+A! aCain!t efen4ant!,
00$ Plaintiff incorporates Paragrap's one 8#: t'ro&g' Forty"('ree 805: of
t'is Aended Coplaint, all paragrap's of general allegations, and any &nn&bered
paragrap's, as t'o&g' t'ey 'a+e been f&lly restated and set fort' 'erein$
02$ Plaintiff alleges t'at t'e defendants, eac' of t'e separately and toget'er
disc&ssed Plaintiff’s finances and 'is intent on p&rc'asing t'e property .'ere 'e no.
resides; defendants conspired, reac'ed an agreeent to defra&d Plaintiff o&t of 'is
property, and t'ey p&t t'eir sc'ee into play$
07$ Plaintiff alleges t'at *efendants, and eac' of t'e, .ere also engaged in
an illegal sc'ee t'e p&rpose of .'ic' .as to e=ec&te loans sec&red by real property
in order to a@e coissions, @ic@"bac@s, illegal &ndisclosed yield spread prei&s,
and &ndisclosed profits by t'e sale of any instr&ents arising o&t of t'e transaction$
09$ Plaintiff alleges t'at *efendants, eac' of t'e, 'ad represented to
plaintiff, and to t'ird parties, t'at t'ey .ere t'e o.ner of t'e (r&st *eed and Note as
eit'er t'e (r&stee, or t'e ?eneficiary regarding Plaintiff’s real property$
Plaintiff’s First Aended !erified Coplaint " #5
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
0<$ ?ased &pon t'e foregoing representations, of t'e *efendants, Plaintiff
did in fact repose 'is tr&st in t'e representations of *efendants, and t'at s&c' tr&st .as
reasonable$
03$ *efendants, presented a loan to Plaintiff .'ereby t'ey represented t'at
'e did %&alify for &nder.riting, and t'at t'e loan .as .it'in Plaintiff’s personal
financial needs and liitations gi+en t'e ao&nt of do.n"payent, and t'e
confidential financial inforation t'at Plaintiff s'ared .it' *efendants$
21$ Plaintiff belie+ed t'at 'is do.n"payent 'ad been applied to t'e loan,
t'at 'is nae .as on t'e loan, and t'e *eed in 'is nae$
2#$ *efendants 'ad a d&ty to disclose t'eir tr&e acts, and tr&e intentions
concerning t'e loan, t'e ao&nt of do.n payent paid, and t'e tr&e nae t'e loan and
deed .ere in$
24$ Plaintiff ac%&ired t'e foregoing property by +irt&e of t'e said f&nding
based on t'e representations of *efendants, t'at t'e loan .as t'e best t'ey co&ld
obtain, and t'at t'e loan .as .ell .it'in Plaintiff’s financial needs and liitations$
25$ Plaintiff is infored and belie+es t'at *efendants, represented to
Plaintiff t'at t'ey .ere .or@ing for t'e benefit of Plaintiff and in 'is partic&lar best
interest, to obtain for 'i t'e best loan, and at t'e best rates a+ailable$
20$ At t'e tie *efendants, .it' act&al @no.ledge t'at t'e foregoing false
representations to Plaintiff, .ere &ntr&e and t'e representations .ere aterial
representations, t'at Plaintiff .o&ld rely and depend &pon$
22$ ('e foregoing representations .ere ade in order to ind&ce Plaintiff to
Plaintiff’s First Aended !erified Coplaint " #0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
act on and ta@e t'e said loan8s: in order for defendants to a@e a s&bstantial ao&nt of
oney t'ereby and t'ere fro$
27$ Plaintiff .as ind&ced to belie+e, and did in fact belie+e t'at 'e 'ad ta@en
o&t t'e loan, as 'is o.n, based on t'e said representations
29$ Plaintiff .as ind&ced to rely and did rely on t'e is"representations of
defendants t'ro&g' deception, and 'is reliance .as F&stified as 'e belie+ed t'at
*efendants .ere .or@ing for 'i, and in 'is best interest$
2<$ *efendants 'ad ade Plaintiff n&ero&s +erbal proises, one of .'ic'
.as t'at t'e loan and deed .o&ld be, and in fact, .ere sec&red in Plaintiff’s nae,
.'ile defendants 'ad act&al @no.ledge t'at t'ey .ere isleading Plaintiff and t'at
Plaintiff .as relying on t'at false representation$$
23$ After Plaintiff’s payents .ere reFected, and based &pon t'e defendants’
prior isrepresentations, t'e defendants ca&sed a Notice of *efa&lt to be iss&ed and
recorded .it'o&t disclosing t'eir tr&e role, and t'ereafter a notice of intent to foreclose
and finally foreclos&re .as copleted, peranently affecting Plaintiffs rig't, title and
interest in t'e S&bFect Property$
71$ No., by +irt&e of Plaintiff’s reliance and t'e lac@ of payents accepted
to.ard t'e property, Plaintiff 'as been daaged in t'e loss of 'is credit, loss t'ro&g'
foreclos&res, and loss fro being in+ol+ed in litigation t'at Plaintiff 'ad not bargained
for, ca&sing 'i f&rt'er 'ar, daage and inF&ry$
7#$ Plaintiff relied on defendants’ false representations, and beca&se of t'is
reliance, 'ad ade +ario&s o+es to a+oid t'e foreclos&re, all to no a+ail, .'ile
Plaintiff’s First Aended !erified Coplaint " #2
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
defendants @ne. all t'e tie t'at t'ey .ere decei+ing Plaintiff$
74$ Plaintiff’s reliance .as F&stified based &pon -remin falsi, and
representations of *efendants, Plaintiff 'ad no reason to belie+e t'at a party
representing a ban@ .o&ld go to s&c' lengt's to decei+e and to assist ot'ers in
con+erting Plaintiff’s property$
75$ *efendants @no.ingly, .illingly, .antonly, and alicio&sly .it' t'e
intent to defra&d, ade t'e is" representations to Plaintiff, and defendants @ne. at
t'e tie t'at t'ey .ere attepting to foreclose on Plaintiff’s (r&st *eed and note t'at
t'ey 'ad no rig't to do so, b&t contin&ed any.ay$
70$ *efendants, by and t'ro&g' said conspiracy, and fra&d&lent sc'ee,
@no.ingly, .illingly, .antonly, intentionally, fra&d&lently, and .it' alicio&s intent,
aied to @eep Plaintiff’s rig't, title and interest to t'e property, and all e%&ity t'erein$
72$ Plaintiff’s tr&st and reliance on *efendants’ is"representations 'as
ca&sed Plaintiff 'ar, and inF&ry; 'e 'as been daaged in an ao&nt t'at c&rrently
e=ceeds K511,111 and .ill s&ffer s&bstantially fro additional costs of o+ing fro
t'e property, and t'e costs to relocate bac@ to t'e s&bFect Property$
77$ Additionally, Plaintiff 'as been ade to s&ffer deep and se+ere eotional
distress, ortification, an=iety, ebarrassent, and '&iliation, d&e to t'e
defendants’ acts, in an ao&nt t'e totality of .'ic' 'as not yet been f&lly ascertained$
79$ Gn fact, Plaintiff alleges t'at t'e proissory note .'ic' Plaintiff t'o&g't
.as e=ec&ted by, and for 'iself, and .'ic' initially fored a basis of a sec&rity
interest in t'e s&bFect property, .as in fact p&t into t'e nae of Mr$ Magness$
Plaintiff’s First Aended !erified Coplaint " #7
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
7<$ Mr$ Magness .as allo.ed to borro. e+en ore oney against t'e
Plaintiff’s property, .'en Mr$ Magness decided t'at 'e .anted a Forty ('o&sand
*ollar 8K01,111$11: s.iing pool at Mr$ Magness’ o.n 'oe$
73$ F&rt'er, t'ro&g' *efendants’ acts of conspiracy and fra&d, t'erefro
res&lted in a proissory note .'ic' 'ad been rendered as non"negotiable and no
po.er of sale .as con+eyed .it' t'e note at t'e tie of t'e assignent, t'erefore,
*efendants, eac' of t'e, 'ad no la.f&l sec&rity interest in t'e s&bFect property$
91$ *efendants Mr$ Magness, and #st6AM 8partnersHbro@ers: as a Ppartner
bro@er’ of CB6, 'ad a s&perior bargaining strengt' o+er Plaintiff, and Plaintiff .as
relegated only t'e opport&nity to ad'ere to .'at 'e .as led to belie+e abo&t t'e
contract or reFect it; CB6H#st6AM drafted all of t'e doc&ents related to t'e loan, and
no negotiations .ere possible bet.een Plaintiff and #st6AMHCB6 and t'at t'e
contract .as a contract of ad'esion$
9#$ ('e iss&es Plaintiff later learned abo&t t'e loan, .ere &nconscionable in
t'at t'e loan .as ne+er in Plaintiff’s nae, t'e payents .ere reFected, a@ing
repayent ipossible; Plaintiff learned t'e tr&t' t'at neit'er t'e loan, nor t'e title .as
in 'is nae$
94$ *efendants, and eac' of t'e, co&ld not enforce t'e ters and
conditions of t'e loan against Plaintiff, and any non"F&dicial foreclos&re arising t'ere
fro is +oid$
95$ ('ro&g' no fa&lt of t'e Plaintiff, t'e loan associated .it' Plaintiff’s
property .ent into defa&lt; Plaintiff 'ad fait'f&lly, in good fait', paid and 'ad intended
Plaintiff’s First Aended !erified Coplaint " #9
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
to contin&e paying t'e loan; t'e defa&lt .as occasioned by t'e reFection of proper
tender$
90$ Plaintiff act&ally .as not in defa&lt beca&se of t'e prior fra&d&lent acts
of defendants, and t'eir breac' of t'e ters of t'e notes, any claied defa&lt, 'ad to be
e=c&sed$
92$ ?OA and AeCon, acting as t'e agent of t'e Principal failed to 'a+e
.ritten a&t'orization to act for t'e principal and &nder California Ci+il Code O#740 t'e
agency relations'ip &st also be in .ritten for$
97$ Notices, and foreclos&re failed to confor .it' t'e pro+isions of
California Ci+il Code OO #740, 4345$2, 4354$2 et se%$, and Coercial Code Section
5514
99$ ('e loan contract, deed of tr&st, and accopanying doc&ents .ere
offered to Plaintiff on a ta@e it or lea+e it basis, and Plaintiff 'ad already pro+ided One
B&ndred Fifty ('o&sand *ollars 8K#21,111$11: to.ard t'e loan$
9<$ ?OA and Aecon acted as agents of t'e ?eneficiary and signed
doc&ents as t'e agent, of t'e agent, of t'e agent of t'e ?eneficiary for Plaintiff’s
Note and t'e notices t'erein, not.it'standing t'e fact t'at t'e Note .as not negotiable
prior to t'e sale of t'e S&bFect Property$
93$ ?y +irt&e of t'e et'od and anner of *efendants’ carrying o&t Cal$
Ci+il Code O 4340 et se%$, t'e foreclos&re of t'e S&bFect Property is +oid ab initio as a
atter of la.$
<1$ *efendants, and eac' of t'e, are and 'a+e, engaged in, and .ill
Plaintiff’s First Aended !erified Coplaint " #<
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
contin&e to engage in, +iolations of California la., incl&ding b&t, not liited to> Cal$
Ci+il Code OO 4340 et se%$, 4354$2 et se%$, and &nless restrained, .ill contin&e to
engage in s&c' iscond&ct; a p&blic benefit necessitates t'at *efendants be restrained
fro s&c' cond&ct c&rrently being practiced, and t'at cond&ct .'ic' .ill be cond&cted
in t'e f&t&re$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
8a: For copensatory daages according to proof at tie of trial;
8b: For special daages according to proof at tie of trial;
8c: For costs of s&it inc&rred 'erein;
8d: For p&niti+e daages s&bFect to proof at tie of trial;
8e: For costs of s&it inc&rred 'erein;
8f: For reasonable attorney’s fees pro+ided by contract or stat&te; and
8g: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
III&
T)IR CAUSE OF ACTION
T#rti#E! *i#lati#n #f StatEte
Real E!tate SettleGent Pr#ce4Ere! Act
07 USC !ecti#n 7<3> +b,
+A! ACain!t efen4ant! All efen4ant!,
<#$ Plaintiff incorporates Paragrap's one 8#: t'ro&g' Eig'ty 8<1: of t'is
Aended Coplaint, all paragrap's of general allegations, and any &nn&bered
paragrap's, as t'o&g' t'ey 'a+e been f&lly restated and set fort' 'erein$
<4$ Plaintiff alleges t'at ('e Congress by ipleenting (itle #4 )$S$C$
Plaintiff’s First Aended !erified Coplaint " #3
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
O471# stated t'e follo.ing Congressional findings and p&rpose>
8a: ('e Congress finds t'at significant refors in t'e real estate
settleent process are needed to ins&re t'at cons&ers t'ro&g'o&t t'e
Nation are pro+ided .it' greater and ore tiely inforation on t'e
nat&re and costs of t'e settleent process and are protected fro
&nnecessarily 'ig' settleent c'arges ca&sed by certain ab&si+e
practices t'at 'a+e de+eloped in soe areas of t'e co&ntry$ ('e Congress
also finds t'at it 'as been o+er t.o years since t'e Secretary of Bo&sing
and )rban *e+elopent and t'e Adinistrator of !eterans- Affairs
s&bitted t'eir Foint report to t'e Congress on QQMortgage Settleent
Costs-- and t'at t'e tie 'as coe for t'e recoendations for Federal
legislati+e action ade in t'at report to be ipleented$
8b: Gt is t'e p&rpose of t'is c'apter to effect certain c'anges in t'e
settleent process for residential real estate t'at .ill res&lt""
8#: in ore effecti+e ad+ance disclos&re to 'oe b&yers and sellers
of settleent costs;
84: in t'e eliination of @ic@bac@s or referral fees t'at tend to
increase &nnecessarily t'e costs of certain settleent ser+ices;
85: in a red&ction in t'e ao&nts 'oe b&yers are re%&ired to place in
escro. acco&nts establis'ed to ins&re t'e payent of real estate ta=es
and ins&rance; and
80: in significant refor and odernization of local record@eeping of
land title inforation$
<5$ Plaintiff alleges t'at *efendants, and eac' of t'e, as set fort' 'erein
+iolated bot' t'e ters and spirit of sections #4 )$S$C$ O471#, etc$ et se%$
<0$ Plaintiff alleges t'at 'e .as in t'e gro&p of persons for .'o #4 )$S$C$
O471#, etc$ et se%$ .as intended to protect and t'at Plaintiff s&ffered daages .'ic'
.ere act&ally and pro=iately ca&sed by *efendants’ +iolations t'ereof$
<2$ Plaintiff alleges t'at section #4 )$S$C$ O47198d:82: pro+ides for a pri+ate
Plaintiff’s First Aended !erified Coplaint " 41
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
rig't of action to reco+er daages and treble daages for +iolations t'erein$ Said
section pro+ides bot' ci+il and criinal penalties for +iolations t'ereof$
<7$ ('at t'e fail&re to respond to plaintiff’s AESPA re%&ests constit&tes a
+iolation of #4 )SC O47198b: and t'at t'erefore as pro+ided by stat&te, 'e is entitled
to and see@ treble daages t'erefore in a s& s&bFect to proof at tie of trial$
<9$ Plaintiff alleges t'at 'is’ clais regarding fees and penalties are not tie
barred as t'e p&rpose of t'ese fees .ere not e=plained to Plaintiff$
<<$ Plaintiff 'as s&ffered daages act&ally and pro=iately ca&sed by
*efendants’ +iolation of t'e .it'in stat&te in an ao&nt t'e totality of .'ic' 'as not
yet been f&lly ascertained b&t, in no e+ent less t'an t'e F&risdictional re%&ireents of
t'is co&rt$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
8a: For daages as pro+ided by stat&te;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorney’s fees as pro+ided by contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper
I*&
FOURT) CAUSE OF ACTION
C#n%er!i#n
<3$ Plaintiff incorporates Paragrap's one 8#: t'ro&g' Eig'ty"eig't 8<<: of
t'is Aended Coplaint, all paragrap's of general allegations, and any &nn&bered
paragrap's, as t'o&g' t'ey 'a+e been f&lly restated and set fort' 'erein$
Plaintiff’s First Aended !erified Coplaint " 4#
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
31$ Con+ersion is an intentional tort t'at e+ol+ed to protect against
interference .it' possessory and o.ners'ip interests in personal property$
3#$ Plaintiff 'as s'o.n t'at 'is clais eet t'e criteria, t'e t'ree eleents
re%&ired to establis' a ca&se of action for con+ersion> 8#: plaintiff-s o.ners'ip or rig't
to possession of t'e property at t'e tie of t'e alleged con+ersion; 84: defendant-s
con+ersion by a .rongf&l act or disposition of plaintiff-s property rig'ts; and 85:
daages$
34$ *efendants ?OA, AeCon, Mr$ Magness, and possibly t'e *oes
coitted acts t'at res&lted in foreclos&re and .ere of s&c' nat&re to ca&se an act&al
interference .it' Plaintiff’s o.ners'ip or rig't to possess t'e s&bFect property$
35$ ('e fra&d&lent acts associated .it' t'e loan and deed, s'o. an intention
or p&rpose to con+ert t'e property, so t'at t'e defendants co&ld e=ercise o.ners'ip
o+er it, andHor to reo+e t'e property fro Plaintiff’s o.ners'ip$
30$ *efendants @no.ingly, .illingly, .antonly, and .it' alicio&s intent,
@ept t'e loan fro Plaintiff’s nae, ref&sed payents fro Plaintiff, and t'ereby
intended to con+ert t'e property by ta@ing possession of it$
32$ F&rt'er, beca&se t'e property is of ,pec&liar interest/ to t'e Plaintiff, and
t'e acts of defendants .ere .illf&l, bot' Civ. Code **++, as .ell as Civ. Code #**%+
apply$
37$ ?eca&se t'e con+ersion in+ol+ed alice, fra&d, andHor oppression,
e=eplary or p&niti+e daages can be properly a.arded; t'e detrient ca&sed by t'e
.rongf&l con+ersion of property is f&rt'er, pres&ed to incl&de fair copensation for
Plaintiff’s First Aended !erified Coplaint " 44
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
tie and oney properly e=pended in p&rs&it of t'e con+erted property$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
8a: For an a.ard of e=eplaryHp&niti+e daages in t'e ao&nt of (.o
Million *ollars 8K4,111,111$11:, .'ic' .ill incl&de all of t'e daages to
t'e Plaintiff and t'e property for t'e con+ersion co&nt, only$
8b: Drant attorney’s fees, .'ic', alt'o&g' Plaintiff c&rrently does not 'a+e
legal representation, 'e contin&es to see@ copetent legal representation$
8c: All co&rt costs, and costs associated .it' p&rs&ing a reedy of t'e illegal
acts of t'e defendants$
8d: Any ot'er relief t'at Plaintiff fails to realize, andHor t'at t'is Co&rt dees
fair and F&st &nder t'e circ&stances$
*&
FIFT) CAUSE OF ACTION
Ref#rGati#n +N#te, a! ACain!t 'OA, ReC#n, 0
!t
LA", an4 #e!
39$ Plaintiff realleges and incorporates Paragrap's One 8#: t'ro&g' Ninety"
Si= 837: of t'is Aended Coplaint, all paragrap's of general allegations, and any
&nn&bered paragrap's, as t'o&g' t'ey 'a+e been f&lly restated and set fort' 'erein$
3<$ Plaintiff alleges t'at ?OA, #
st
6AM, and Mr$ Magness coitted a fra&d
against Plaintiff in t'at ?OA, #st6AM, eployees andHor agents intentionally
isrepresented to Plaintiffs t'at ?OA, #
st
6AM .o&ld only a@e a loan t'at Plaintiff
co&ld afford to pay, said *efendants did not disclose t'e ters and conditions for
repayent, interest, ann&al percentage rate, or t'at t'e loan and deed .o&ld not be in
Plaintiff’s First Aended !erified Coplaint " 45
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Plaintiff’s nae$
33$ Plaintiff alleges t'at p&rs&ant to Civil Code #**)), t'at t'e loan
doc&ents .'ic' .ere e=ec&ted did not tr&ly e=press t'e intention of Plaintiff, ore
partic&larly t'at t'e loan .o&ld 'a+e a repayent sc'ed&le t'at Plaintiff co&ld afford,
as .ell as t'at t'e loan and deed .o&ld not be in Plaintiff’s nae$
#11$ Plaintiff alleges t'at &tilization of any reasonable &nder.riting
g&idelines, Plaintiffs 'ad no 'ope .'atsoe+er of repaying t'e loan, especially after Mr$
Magness added anot'er Forty ('o&sand 8K01,111$11: to t'e balance of t'e loan$
#1#$ Eployees andHor agents of ?OA andHor #
st
6AM represented t'at said
eployees andHor agents co&ld .or@"aro&nd t'e fact t'at Plaintiff’s credit .as not in
good standing and co&ld get Plaintiff appro+ed for t'e loan$ *efendants did not
disclose at any tie to Plaintiff t'at t'e loan and deed .o&ld ne+er be in Plaintiff’s
nae$
#14$ Plaintiff alleges t'at t'e loan contract, deed of tr&st and accopanying
doc&ents .ere offered to Plaintiff on a ta@e it or lea+e it basis, and Plaintiff 'ad
already at t'at tie, pro+ided One B&ndred (en ('o&sand *ollars 8K##1,111$11:,
.'ic' 'ad been applied as do.n payent for t'e loan$
#15$ Plaintiff alleges t'at *efendants ?OA and #
st
6AM 'ad a s&perior
bargaining strengt' o+er Plaintiff, and t'at Plaintiff .as relegated only t'e opport&nity
to ad'ere to t'e contract or reFect it, t'at defendants ?OA, andHor #
st
6AM, andHor Mr$
Magness 'ad drafted all of t'e doc&ents related to t'e loan, t'at no negotiations .ere
possible bet.een Plaintiff and lender, and t'at t'e contract .as a contract of ad'esion$
Plaintiff’s First Aended !erified Coplaint " 40
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
#10$ Plaintiff alleges t'at t'e loan .as &nconscionable in t'at t'e repayent
ters .ere &nfair and &nd&ly oppressi+e, t'e loan .as not, and it .as ne+er intended
to be in Plaintiff’s nae, and *efendants, eac' of t'e, co&ld not legally enforce t'e
ters and conditions of t'e loan against Plaintiff, and any non"F&dicial foreclos&re
arising t'ere fro is +oid$
#12$ Plaintiff is infored and belie+e t'at all *efendants, entered into a
fra&d&lent sc'ee, t'e p&rpose of .'ic' .as to a@e a loan to Plaintiff, .'ic' eac' of
t'e defendants .ere @eenly a.are .ere ne+er to be placed into Plaintiff’s nae;
t'ereby Plaintiff’s payents .o&ld be denied$
#17$ F&rt'er, ?OA, #
st
6AM, and Mr$ Magness falsely represented to Plaintiff
t'at 'e .o&ld not %&alify for any ot'er financing, t'at Plaintiffs co&ld not %&alify
&nder any reasonably &nder.riting g&idelines, t'at s&c' sc'ee .as de+ised to e=tract
illegal and &ndisclosed copensation fro Plaintiff by +irt&e of an &ndisclosed yield
spread prei& and .'ic' *efendants, s'ared in soe presently &[email protected] percentage$
#19$ ('e co&rt 'as by and t'ro&g' its in'erent po.er and discretion, and
f&rt'er &nder t'e p&r+ie. of Civil Code #**)), t'e po.er to refor t'e ters of t'e
loan to eet t'e Plaintiff’s e=pectations of t'e loan, its ters, t'e principal ao&nt of
t'e loan, interest, and t'at t'e co&rt place fair ar@et +al&e of t'e property of
appro=iately K#21,111$11, for p&rposes of reforing t'e ters and conditions of t'e
loan$
#1<$ Since *efendants proceeded .it' t'e in+alid Foreclos&re sale t'e sale be
set aside, and t'at e%&ity s'o&ld confer &pon said defendants a rig't of e%&itable
Plaintiff’s First Aended !erified Coplaint " 42
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
indenification as against defendants, for t'eir fra&d$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
8a: For general daages s&bFect to proof at tie of trial;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorney’s fees s&bFect to proof at tie of trial; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
*I&
SIXT) CAUSE OF ACTION
*IOLATION #f 'USINESS an4 PROFESSIONS COE =0>733
A! ACain!t 'OA, an4 0
ST
LA", "r& "aCne!!, an4 #e! InclE!i%e
#13$ Plaintiff realleges and incorporates Paragrap's One 8#: t'ro&g' One
'&ndred eig't 8#1<: of t'is Aended Coplaint, all paragrap's of general allegations,
and any &nn&bered paragrap's, as t'o&g' t'ey 'a+e been f&lly restated and set fort'
'erein
A. Plaintiff S!ffered 2amages As A 3es!lt of 2efendants’ Cond!-t4
##1$ As a direct res&lt of *efendants’ acts, Plaintiff 'as inc&rred act&al
daages consisting of ental and eotional distress, ner+o&sness, grief,
ebarrassent, loss of sleep, an=iety, .orry, ortification, s'oc@, '&iliation,
indignity, pain and s&ffering, and ot'er inF&ries$
###$ Plaintiff 'as inc&rred o&t of poc@et onetary daages$
##4$ Plaintiff contin&e to inc&r onetary daages$
##5$ Plaintiffs .ill inc&r t'e loss of 'is personal residence if t'e defendants
Plaintiff’s First Aended !erified Coplaint " 47
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
are allo.ed to pre+ail$
##0$ Eac' of *efendants 'arassing acts .ere so .illf&l, +e=atio&s,
o&trageo&s, oppressi+e, and alicio&sly calc&lated eno&g', so as to .arrant stat&tory
penalties and p&niti+e daages$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
8a: For an Order enFoining *efendants fro contin&ing to +iolate t'e
stat&tes alleged 'erein;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorneys fees s&bFect to proof and as a+ailable by
contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
*II&
SE*ENT) CAUSE OF ACTION
*i#lati#n Of Calif#rnia Ci%il C#4e 7?79&<
##2$ Plaintiff realleges and incorporates Paragrap's One 8#: t'ro&g' One
'&ndred fo&rteen 8##0: of t'is Aended Coplaint, all paragrap's of general
allegations, and any &nn&bered paragrap's, as t'o&g' t'ey 'a+e been f&lly restated
and set fort' 'erein
##7$ *efendants’ Pooling and Ser+icing Agreeent 8 ,PSA/: contains a d&ty
to a=iize net present +al&e to its in+estors and related parties$
##9$ California Civil Code #&)&*.% broadens and e=tends t'is PSA d&ty by
re%&iring ser+icers to accept loan odifications .it' borro.ers$
Plaintiff’s First Aended !erified Coplaint " 49
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
##<$ P&rs&ant to California Civil Code #&)&*.%5a6, a ser+icer acts in t'e best
interest of all parties if it agrees to or ipleents a loan odification .'ere t'e 8#:
loan is in payent defa&lt, and 84: anticipated reco+ery &nder t'e loan odification or
.or@o&t plan e=ceeds t'e anticipated reco+ery t'ro&g' foreclos&re on a net present
+al&e basis$
##3$ California Civil Code #&)&*.%5b6 no. pro+ides t'at t'e ortgagee,
beneficiary, or a&t'orized agent offer t'e borro.er a loan odification or .or@o&t plan
if s&c' a odification or plan is consistent .it' its contract&al or ot'er a&t'ority$
#41$ *efendants ref&sed to consider s&c' odification .it' Plaintiff$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
8a: For an Order re%&iring *efendants to odify t'e e=isting loan as set fort'
'erein;
8b: For costs of s&ite inc&rred 'erein;
8c: For reasonable attorneys fees s&bFect to proof and as a+ailable by contract
or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
*III&
EIG)T) CAUSE OF ACTION6
*i#lati#n Of = 0>@@&0> Of TDe RFCPA
#4#$ Plaintiff realleges and incorporates Paragrap's One 8#: t'ro&g' One
'&ndred t.enty 8#41: of t'is Aended Coplaint, all paragrap's of general
allegations, and any &nn&bered paragrap's, as t'o&g' t'ey 'a+e been f&lly restated
Plaintiff’s First Aended !erified Coplaint " 4<
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
and set fort' 'erein
#44$ California Civil Code #$788.$7 re%&ires t'at *efendants coply .it'
t'e pro+isions of $+ ".S.C. # $%)&, t'ro&g' t'eir acts incl&ding b&t not liited to, t'e
follo.ing>
8a: ('e *efendants +iolated California Civil Code #$788.$7 by
engaging in cond&ct, t'e nat&ral conse%&ence of .'ic' is to 'arass,
oppress, and ab&se persons in connection .it' t'e collection of t'e
alleged debt, a +iolations of $+ ".S.C. # $%)&5d6;
8b: ('e *efendants +iolated California Civil Code #$788.$7 by
isrepresenting t'e stat&s of t'e debt, a +iolations of $+ ".S.C. #
$%)&5e65s65A6;
8c: ('e *efendants +iolated California Civil Code #$788.$7 by &sing
&nfair or &nconscionable eans to collect or attept to collect a debt, a
+iolation $+ ".S.C. # $%)&5f6; and
8d: ('e *efendants +iolated California Civil Code #$788.$7 by &sing
decepti+e eans to collect or attept to collect a debt fro t'e Plaintiff,
a +iolation of $+ ".S.C. # $%)&e5$.6$
#45$ ('e foregoing +iolations of $+ ".S.C. #$%)& by *efendants res&lt in
separate +iolations of California Civil Code #$788.$7
#40$ ('e forgoing acts by *efendants .ere .illf&l and @no.ing +iolations of
(itle #$7C of t'e California Civil Code 8FA*CPA:, are sole and separate +iolations
&nder California Civil Code #$788.*.5b6, and triCCer GEltiHle I0,333&33 Henaltie!$
#42$ California Civil Code #$788.$7 pro+ides t'at *efendants are s&bFect to
t'e reedies of $+ ".S.C. #$%)&596, for failing to coply .it' t'e pro+isions of $+
".S.C. #$%)&5b65%6 and #$%)&5-6-$
#47$ ('e foregoing acts by *efendants .ere intentional persistent, fre%&ent,
Plaintiff’s First Aended !erified Coplaint " 43
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
and de+io&s +iolations of $+ ".S.C. #$%)&, .'ic' trigger a44iti#nal 4aGaCe! #f
I0,333&33 &nder $+ ".S.C. #$%)&5965a65&65A6$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
(a) For an Order enFoining *efendants fro contin&ing to +iolate t'e stat&tes
alleged 'erein;
(b) For costs of s&ite inc&rred 'erein;
(c) For reasonable attorneys fees s&bFect to proof and as a+ailable by contract
or stat&te; and
(d) For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
IX&
NINT) CAUSE OF ACTION6
*i#lati#n Of Ci%il C#4e =0;>7
#49$ Plaintiff realleges and incorporates Paragrap's One 8#: t'ro&g' One
'&ndred t.enty"si= 8#47: of t'is Aended Coplaint, all paragrap's of general
allegations, and any &nn&bered paragrap's, as t'o&g' t'ey 'a+e been f&lly restated
and set fort' 'erein
#4<$ ('e isrepresentations by *efendants’ andHor *efendants’ predecessors,
fail&res to disclose, and fail&re to in+estigate as described abo+e .ere ade .it' t'e
intent to ind&ce Plaintiff to obligate 'iself on t'e 6oan in reliance on t'e integrity of
*efendants andHor *efendants’ predecessors$
#43$ Plaintiff is an &nsop'isticated c&stoer, .'ose reliance &pon *efendants
andHor *efendants’ predecessors .as reasonable and consistent .it' t'e Congressional
Plaintiff’s First Aended !erified Coplaint " 51
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
intent and p&rpose of California Civil Code #$+7& enacted in #<94 and designed to
assist and protect cons&ers siilarly sit&ated as Plaintiff in t'is action$
#51$ As an &nsop'isticated c&stoer, Plaintiff co&ld not 'a+e disco+ered t'e
tr&e nat&re of t'e aterial facts on 'is o.n$
#5#$ ('e acc&racy by *efendants andHor *efendants’ predecessors of
representation is iportant in enabling a cons&er, s&c' as t'e Plaintiff to copare
ar@et lenders in order to a@e infored decisions regarding lending transactions
s&c' as a loan$
#54$ Plaintiff .as ignorant of t'e facts .'ic' *efendants andHor *efendants’
predecessors isrepresented and failed to disclose$
#55$ Plaintiff’s reliance on *efendants andHor *efendants’ predecessors .as a
s&bstantial factor in ca&sing 'i 'ar$
#50$ Bad t'e tr&t' abo&t t'e 6oan been acc&rately represented and disclosed
by *efendants andHor *efendants’ predecessors, Plaintiff .o&ld not 'a+e accepted t'e
6oan nor been 'ared$
#52$ Bad *efendants andHor *efendants’ predecessors in+estigated Plaintiff’s
financial capabilities, t'ey .o&ld 'a+e been forced to deny Plaintiff on t'is partic&lar
loan$
#57$ *efendants andHor *efendants’ predecessors conspired and agreed to
coit t'e abo+e entioned fra&d$
#59$ As a pro=iate res&lt of *efendants and or *efendants’ predecessors’
fra&d, Plaintiff 'as s&ffered daage in an ao&nt to be deterined at trial$
Plaintiff’s First Aended !erified Coplaint " 5#
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
#5<$ ('e cond&ct of *efendants andHor *efendants’ predecessors as
entioned abo+e .as fra&d&lent .it'in t'e eaning of California Civil Code
#*&)'5-65*6, and by +irt&e t'ereof Plaintiff is entitled to an a.ard of p&niti+e daages
in an ao&nt s&fficient to p&nis' and a@e an e=aple of t'e *efendants$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
(a) For p&niti+e daages s&bFect to proof at tie of trial;
(b) For costs of s&it inc&rred 'erein;
(c) For reasonable attorney’s fees s&bFect to proof and as a+ailable by
contract or stat&te; and
(d) For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
X&
TENT) CAUSE OF ACTION6
InJEncti%e Relief ACain!t efen4ant!
#53$ Plaintiff realleges and incorporates Paragrap's One 8#: t'ro&g' One
'&ndred tt'irty"eig't 8#5<: of t'is Aended Coplaint, all paragrap's of general
allegations, and any &nn&bered paragrap's, as t'o&g' t'ey 'a+e been f&lly restated
and set fort' 'erein
#01$ *efendants did not 'a+e standing or enforceable rig't to enforce t'e note
and any incidental rig't to collateral so as to foreclose on Plaintiff’s Boe, incl&ding
.it'o&t liitation, cond&cting a Sale )nder Po.er relati+e to t'at property$
#0#$ S&c' action res&lted in a ca&se of action for ,.rongf&l foreclos&re,/ and
ca&sed irreparable 'ar to Plaintiff, and ca&sed pec&niary copensation .'ic' .ill
Plaintiff’s First Aended !erified Coplaint " 54
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
not afford ade%&ate relief beca&se Plaintiff’s Boe is &ni%&e$
#04$ GnF&ncti+e relief is necessary to enFoin *efendants fro contin&ing to
'ar Plaintiff and 'is Boe since t'ey lac@ed standing and any enforceable rig'ts
&nder t'e Proissory Note$
.)EREFORE Plaintiff "#%e! f#r tDe f#ll#FinC Relief6
8a: For an Order, re%&iring *efendant to reinstate Plaintiffs on title to
t'eir Property, and or a restraining order pre+enting *efendants and
'is, 'ers, or its agents, eployees, officers, attorneys, and
representati+es fro engaging in or perforing any of t'e follo.ing
acts> 8i: offering, or ad+ertising t'is property for sale and 8ii:
attepting to transfer title to t'is property and or 8iii: 'olding any
a&ction t'erefore;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorney’s fees pro+ided by contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and
proper$
CONCLUSION AN PRAYER
W'ereas t'e Plaintiff 'as s'o.n t'at *efendants, fro t'e +ery beginning,
s'o.ed bad fait', and @no.ingly, .illingly, .antonly, alicio&sly, and .it' fra&d&lent
intent, conspired and defra&ded Plaintiff in acts t'at encopassed se+eral years of
Plaintiff’s life, t'ereby ca&sing 'ar and inF&ry to bot' 'iself and 'is property$
('e defendants, s'o.ing s&c' callo&s attit&des for t'e acts, 'a+e s&rely done
Plaintiff’s First Aended !erified Coplaint " 55
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
t'e sae to ot'ers, and .ill contin&e to do t'e sae to ot'ers, &nless t'ey are s'o.n
t'at t'eir be'a+ior .ill not be tolerated$ Many of t'eir acts 'a+e been not only ci+il in
nat&re, b&t criinal as .ell, for .'ic' acts, t'e Plaintiff Mo+es t'e co&rt to le+y
criinal c'arges against t'e defendants$
.)EREFORE, Plaintiff prays F&dgent as follo.s>
('e Co&rt .ill le+y criinal c'arges for t'e cries coitted against t'e
Plaintiff, and s&rely co&ntless ot'er &ns&specting indi+id&als$
FOR T)E FIRST CAUSE OF ACTION>
8a: For an Order, re%&iring *efendant to 'a+e a loan reflecting only t'e Plaintiff
to coincide .it' t'e *eed in Plaintiff’s nae, and a restraining orderHinF&nction
pre+enting *efendants andHor t'eirHits agents, eployees, officers, attorneys,
and representati+es in t'e f&t&re fro engaging in or perforing any of t'e
follo.ing acts> 8i: offering, or ad+ertising t'is property for sale and 8ii:
attepting to transfer title to t'is property and or 8iii: 'olding any a&ction
t'ereof;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorney’s fees pro+ided by contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
FOR T)E SECON CAUSE OF ACTION6
8a: For copensatory daages according to proof at tie of trial;
8b: For special daages according to proof at tie of trial;
8c: For costs of s&it inc&rred 'erein;
Plaintiff’s First Aended !erified Coplaint " 50
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
8d: For p&niti+e daages s&bFect to proof at tie of trial;
8e: For costs of s&it inc&rred 'erein;
8f: For reasonable attorney’s fees pro+ided by contract or stat&te; and
8g: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
FOR T)E T)IR CAUSE OF ACTION6
8a: For daages as pro+ided by stat&te;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorney’s fees as pro+ided by contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper
FOR T)E FOURT) CAUSE OF ACTION6
8a: For an a.ard of e=eplaryHp&niti+e daages in t'e ao&nt of (.o
Million *ollars 8K4,111,111$11:, .'ic' .ill incl&de all of t'e daages to
t'e Plaintiff and t'e property for t'e con+ersion co&nt, only$
8b: Drant attorney’s fees, .'ic', alt'o&g' Plaintiff c&rrently does not 'a+e
legal representation, 'e contin&es to see@ copetent legal representation$
8c: All co&rt costs, and costs associated .it' p&rs&ing a reedy of t'e illegal
acts of t'e defendants$
8d: 8d: Any ot'er relief t'at Plaintiff fails to realize, andHor t'at t'is Co&rt
dees fair and F&st &nder t'e circ&stances$
FOR T)E FIFT) CAUSE OF ACTION6
8a: For general daages s&bFect to proof at tie of trial;
8b: For special daages s&bFect to proof at tie of trial;
Plaintiff’s First Aended !erified Coplaint " 52
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
8c: For costs of s&ite inc&rred 'erein;
8d: For reasonable attorney’s fees s&bFect to proof at tie of trial; and
8e: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
FOR T)E SIXT) CAUSE OF ACTION6
8a: For an Order enFoining *efendants fro contin&ing to +iolate t'e
stat&tes alleged 'erein;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorneys fees s&bFect to proof and as a+ailable by
contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
FOR T)E SE*ENT) CAUSE OF ACTION6
8a: For an Order re%&iring *efendants to odify t'e e=isting loan as set
fort' 'erein;
8b: For costs of s&ite inc&rred 'erein;
8c: For reasonable attorneys fees s&bFect to proof and as a+ailable by
contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
FOR T)E EIG)T) CAUSE OF ACTION6
8a: For an Order enFoining *efendants fro contin&ing to +iolate t'e
stat&tes alleged 'erein;
8b: For costs of s&ite inc&rred 'erein;
8c: For reasonable attorneys fees s&bFect to proof and as a+ailable by
Plaintiff’s First Aended !erified Coplaint " 57
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
FOR T)E NINT) CAUSE OF ACTION>
8a: For p&niti+e daages s&bFect to proof at tie of trial;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorney’s fees s&bFect to proof and as a+ailable by
contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
FOR T)E TENT) CAUSE OF ACTION6
8a: For an Order, re%&iring *efendant to reinstate Plaintiffs on title to t'eir
Property, and or a restraining order pre+enting *efendants and 'is, 'ers, or its
agents, eployees, officers, attorneys, and representati+es fro engaging in or
perforing any of t'e follo.ing acts> 8i: offering, or ad+ertising t'is property
for sale and 8ii: attepting to transfer title to t'is property and or 8iii: 'olding
any a&ction t'erefore;
8b: For costs of s&it inc&rred 'erein;
8c: For reasonable attorney’s fees pro+ided by contract or stat&te; and
8d: For s&c' ot'er and f&rt'er relief as t'e co&rt ay dee F&st and proper$
Aespectf&lly s&bitted, t'is 49
t'
day of No+eber, 41#1,
?y> IIIIIIIIIIIIIIIIIIIIIIIIIIII
Plaintiff’s First Aended !erified Coplaint " 59