9 Q Okay. So in this particular instance,
10 CitiMortgage was NTC’s client?
11 A Uh-huh.
12 Q And they contacted you to prepare an Assignment
13 of Mortgage; is that correct?
14 A They contacted us to prepare a group of
15 Assignments. It wasn’t just one.

16 Q How many is — let me start all over with that
17 one.

18 In this instance, how many did they ask you — or
19 did they send over at one time?
20 A I don’t have that number.
21 Q Would it be — and I’m not asking you to guess,
22 but if you do have a ballpark, would it have been dozens or
23 hundreds?
24 A Hundreds to thousands but I don’t know in this
25 particular case how many.
1 Q So — I’m sorry.
2 A I was going to say we’ve done over a hundred
3 thousand Assignments so. . .

4 Q So anywhere from a hundred — from hundreds to a
5 hundred thousand, they would send a request?
6 A They send them in groupings.
7 Q And when you say “they send them in groupings,”
8 that’s requests for Assignments of Mortgages –
9 A Yes.
10 Q — in groupings? Okay.
11 Right underneath the portion we just read,
12 there’s a — a CMI L number.


7 Q And then we have “CitiMortgage as successor in
8 interest by merger to CitiFinancial Mortgage Company, Inc.,”
9 whose address is 1000 Technology Drive in O’Fallon,
10 Missouri –
11 A Uh-huh.
12 Q — assigning a mortgage together with a note to
13 Bayview Loan Services; is that correct?
14 A Yes.
15 Q Is this typically how Assignments of — or
16 transfer of notes occur through Assignment of Mortgage?
17 MS. PARSONS: Objection. You still have to
18 answer.
19 THE WITNESS: I still have to answer?
20 MS. PARSONS: If you know the answer.
21 THE WITNESS: Yeah. I’m sorry. Sorry.
22 MS. PARSONS: I just do it for the record, just
23 so you know.
24 THE WITNESS: Okay. Got it.
25 A To answer your question, on this particular case,
1 I don’t know what occurred on it because I was not part of
2 the — the sale or of the agreement between Bayview and
3 Citi. We were hired specifically to do Assignments.
4 Normally, this is an action recording at the
5 county to indicate a sale has taken place or a transfer of
6 loans has taken place from one entity to another.
7 Q (By Ms. Drysdale) So I’m not sure that — that
8 answered the question that I was asking.
9 This document is apparently assigning a note?
10 A Yes.
11 Q Is that correct?
12 A Yes.
13 Q And is it your understanding that that’s
14 generally how notes are transferred through Assignments?
15 A I’m trying to figure out how to answer this
16 question. It is my understanding that notes are transferred
17 through a sale agreement between mortgage entities. They
18 record Assignments to put on the record who the current
19 beneficiary is for that note and loan, that mortgage.
20 The — the Assignment itself is not the, to my
21 understanding, the actual sale of the loan. Does that make
22 sense?
23 Q Yes, ma’am.
24 A Okay. So that’s why I’m saying this is to
25 indicate that that event occurred and to record it at the
1 county recorder’s office as having occurred.
2 Q And you said that you were not part of these or
3 privy to the details of the sale from CitiMortgage to
4 Bayview; is that correct?
5 A Correct.
6 Q That you were just asked to prepare a document?
7 A Prepare Assignments, yes.
8 Q Okay. Further down, still on the left hand side,
9 we see the signature of Bryan Bly as vice president?

10 A Yes.
11 Q And is Bryan Bly someone who you supervise?
12 A Directly, no.
13 Q But he is an employee of Nationwide Title
14 Clearing?
15 A Correct.
16 Q Who is his supervisor?
17 A Elsa McKinnon.
18 Q Could you spell that, please?
19 A E-L-S-A M-C-K-I-N-N-O-N.
20 Q When you and I spoke earlier, you indicated
21 that — that you might be a better person to provide
22 information about this Assignment than Mr. Bly; do you
23 recall that?
24 A Yes.
25 Q And — and why did you think that you rather than
1 his supervisor could be explain what –
2 A Because the questions that you were asking in
3 your affidavit did not just have to do with him signing the
4 direct document. You — the questions pertained also to our
5 overall procedure and our connection with CitiMortgage,
6 which are questions that he can’t answer.
7 Q So then let’s talk a little about what Mr. Bly –
8 what he actually does in executing an Assignment of
9 Mortgage. Can you go through that process with me?
10 A Yeah. He is what we refer to as a signer. He is
11 somebody at Nationwide who is designated to execute
12 documents.
13 Q So just can you give me a general idea of what
14 his — his day-to-day activities would be?
15 A He signs and notarizes documents.
16 Q So when he comes in in the morning, he sat — he
17 sits at his desk, and that’s pretty much all he does all
18 day?

19 A Yes.
20 Q Is sign and notarize documents?
21 A Yes.
22 Q Assignments of Mortgage?
23 A Assignments of Mortgage, Lien Releases.
24 Q Does he actually research any of the information
25 contained in the Assignment of Mortgage?
1 A No.
2 Q No?
3 A No.
4 Q About how many documents, including Assignments
5 of Mortgage, would he sign in the average day?
6 A A couple thousand.
7 Q And — and this — is he permanently employed?
8 Well, let me ask that question in a different way.
9 Is his — his employer — his present employer
10 and business address is Nationwide Title at 2100 Alt. 19
11 North; is that correct?
12 A Yeah. He’s presently a full-time employee with
13 Nationwide Title Clearing.
14 Q Okay. In the assign — the Corey Assignment of
15 Mortgage, he lists his address as 10000 [sic] Technology
16 Drive, O’Fallon, Missouri.
17 Why is that particular address used?
18 A That has to do with the question on how Bryan Bly
19 can sign as a vice president as well.
20 Q Okay.
21 A So the answer to that question has to do with a
22 corporate resolution.
23 Q Do you have that document with you?
24 A Yes.
25 Q May I take a look at that?


8 Q Do you have a copy of the indemnity agreement?
9 A No. I did not bring that with me.
10 Q But that’s something that is in possession of
11 Nationwide?
12 A Yes.
13 Q And so when Mr. Bly is executing the couple
14 thousand of Assignments a day, that is the extent of his –
15 that’s the extent of his duties as vice president?
16 A Uh-huh — yes, sorry, or assistant secretary. It
17 just depends on what’s required at the county. He could be
18 listed as either or.
19 Q So does Nationwide have a chart of all the
20 counties in Florida to know whether or not Mr. Bly is
21 supposed to be a vice president or assistant secretary?

22 A We have a list of all the counties in the entire
23 United States that tells us that.

24 Q So Mr. Bly executes Assignments of Mortgage to be
25 recorded all over the United States?

1 A And Lien Releases.
2 Q And Lien Releases.
3 Does he hold that position as vice president for
4 any other companies other than CitiMortgage?
5 A Yes.
6 Q What other companies?
7 A There are many, and I don’t know if I can just
8 release all of the names of them.

9 Q Okay.
10 A But for all of our clients where we sign, he is
11 listed as one of the signers.
12 Q Previously you said that the consent of the
13 executive committee was the reason for the — the address
14 being listed as a 1000 Technology Drive.
15 Could you expound upon that?
16 A Yeah. He’s acting as the capacity as the vice
17 president for that company, and that is the address of that
18 company.
19 Q So he’s not physically located in Missouri? He
20 just –

21 A No. He’s physically located in Florida.
22 Q He just lists that as his address for purposes of
23 this Assignment of Mortgage?
24 A Correct.
25 Q And who is Christopher Jones?
1 A Christopher Jones is an employee of Nationwide
2 Title Clearing.
3 Q And what are his day-to-day duties?
4 A He also works in the processing area. One of the
5 duties he has is he is one of our signers and one of our
6 notaries.
7 Q Does Mr. Bly also work in the processing
8 department?
9 A That’s the department, yeah.
10 Q Is Mr. Bly also a notary?
11 A Yes.
12 Q Down at the bottom of the Corey Assignment it
13 says that the document was prepared by Jessica Fretwell?
14 A Yes.
15 Q Do you know Ms. Fretwell?
16 A Yes.
17 Q And is she also an employee of Nationwide?
18 A Yes, she is.
19 Q And what is her job description?
20 A She works in our quality control division.
21 Q What are her day-to-day responsibilities?
22 A How to do with the establishment of the forms and
23 the county requirements.
24 Q When you say “the establishment of the forms,”
25 what do you mean by that?


15 Q Okay. So Mr. Bly didn’t actually sign the Corey
16 Assignment; is that correct?

17 A Well, he didn’t physically sign it, but he –
18 that meets with the standards for electronic document
19 recording.

20 Q Okay. Are you referring to a specific state or
21 federal law?
22 A This — no. Specific counties across the nation
23 have started setting it up, so part of like going more green
24 and not having as much paperwork that you can electronically
25 record documents. They have different settings anywhere
1 from just feeding them information to feeding them like a
2 PDF or TIF version of the document that gets recorded, that
3 they record in their imaging bank, stamped electronically,
4 and then send back to us as having been recorded once it’s
5 verified on their side. That document was one of those.
6 Q Yes, ma’am. I understand how it was recorded
7 electronically. I’m just trying to — to determine whether
8 or not Mr. Bly actually signed a physical document or if
9 a — his signature was created by Planat Press.

10 A The signature was included by Planat Press
11 because that document was never printed out.

12 Q So did Mr. Bly review the document before it was
13 sent for electronic recording?

14 A No.
15 Q So — and I’m now — I continue to refer to the
16 Corey Assignment.
17 Mr. Bly never saw the Corey Assignment prior to
18 it being recorded; is that correct?

19 A Correct.


Q What about Crystal Moore? She — is she also a
7 signer?

8 A She is also a signer and a notary.
9 Q And a notary.
10 And her practices are the same as you’ve
11 described with Mr. Bly as far as how she — what her daily
12 duties are in executing documents?
13 A Yes.
14 Can I ask why you’re asking about Crystal Moore
15 because her name’s not on any of the documentation regarding
16 this.
17 Q I just saw her name on the Consent of the
18 Executive Committee we marked as 3.
19 A Uh-huh.
20 Q So are all of the names on Exhibit 3, the Joint
21 Consent, are they all signers?
22 A You mean is their job duty?
23 Q Yes, ma’am.


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  1. Lisa D. says:

    If he actually exists … Why hasn’t there been a full deposition of Ocwens infamous “Scott Anderson”???

  2. Whippy FLoggman says:

    The Forrest Law Group in Tampa FL is going after Bly & Moore, The Deposition is set for today 11/4

  3. Jeff says:

    where can i find the “FULL DEPOSITION TRANSCRIPT OF NATIONWIDE TITLE CLEARING ERICA LANCE / BRYAN BLY” as your link to it is broken; only excerpts seem to be available.

  4. dinsfla says:

    Yea many things do go missing… but here you can download most of the Depos from this link below….



  1. [...] This post was mentioned on Twitter by ForeclosureHamlet, DinSFLA. DinSFLA said: FULL DEPOSITION TRANSCRIPT OF NATIONWIDE TITLE CLEARING ERICA LANCE / BRYAN BLY http://goo.gl/fb/sc3jy [...]

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Chip Parker, www.jaxlawcenter.com
Jamie Ranney, www.NantucketLaw.pro
Kenneth Eric Trent, www.ForeclosureDestroyer.com
Damian Figueroa, South Florida Realtor, Real Estate Agent
Susan Chana Lask, www.appellate-brief.com