Neva Hall | FORECLOSURE FRAUD | by DinSFLA

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FULL DEPOSITION TRANSCRIPT OF AURORA BANK FSB ASST. VICE PRESIDENT NEVA HALL

FULL DEPOSITION TRANSCRIPT OF AURORA BANK FSB ASST. VICE PRESIDENT NEVA HALL


Read With Care… because almost all banks/servicers use the same LPS – Fidelity systems. 🙂

6 Q Tell me about the actual act of signing these
7 affidavits. When you received them from the person who
8 distributes the documents, would they come to you in
9 physical form?
10 A Yes.
11 Q Okay. And would there be one or a stack of
12 them, or how would they come to you?
13 A It could be either.
14 Q Okay. Was it more common than not to get more
15 than one?
16 A No.
17 Q Was there a certain time of day those would be
18 delivered to you?
19 A I usually got them in the morning.
20 Q Would the notary be right there with you?
21 A No.
22 Q Where was the notary?
23 A On the same floor, in the same area.
24 Q So the notary would not watch you sign the
25 document?

1 A No.

[…]

20 Q Tell me about the LPS Fidelity system. Is
21 that one system or are those — is that one title for
22 the same system?
23 A Actually, LPS owns or has both systems. They
24 have the Fidelity system and the LPS desktop management
25 system.

1 Q And in your course of sending affidavits
2 sometimes you would consult both of those or one of
3 those?
4 A Yes. Primarily the — our system of record.
5 Q The desktop?
6 A No.
7 Q Or the Fidelity?
8 A The Fidelity.
9 Q What can you tell me about the Fidelity
10 system? Does that have the entire payment history?
11 A Yes.

[…]

10 Q Would Fidelity have — besides the full
11 payment history, what other kinds of things would be on
12 the Fidelity system?
13 A The date the note was signed, the origination
14 balance, the principal balance, the date of default —
15 or actually the contractual due date because it’s not
16 always defaulted.
17 Q Anything else?
18 A In bankruptcy we had to post petition due
19 date; the contractual payment and any pending payment
20 changes; the escrow information.
21 Q What about servicing notes, would that be on
22 the Fidelity system?
23 A Yes.
24 Q Now, besides those, anything else?
25 A Yeah, there’s a lot of information on

1 Fidelity. I wouldn’t be able to name it all.
2 Q You said Fidelity contains the date the note
3 was signed; is that right?
4 A Yes.
5 Q Does it contain actual copies?
6 A Not in Fidelity, no.
7 Q Okay. So, in other words, so we are clear,
8 you wouldn’t click on Fidelity to look at a copy of the
9 note; is that right?
10 A No. We have a different system that does
11 that.

[…]

4 Q Okay. What’s in the LPS desktop management
5 system?
6 A Communication to the law firms.

[…]

19 Q Okay. Besides correspondence and besides the
20 milestones, anything else on the LPS desktop management
21 system?
22 MR. ELLISON: Object to the form.
23 You can answer.
24 MR. ZACKS: What’s wrong with the form?
25 MR. ELLISON: She didn’t say, correspondence.

1 She said, communications to law firms.
2 BY MR. ZACKS:
3 Q You can answer.
4 A Yeah, they have documents in that — either
5 documents from us or we would get documents from them
6 through LPS.
7 Q From?
8 A The law firm.
9 Q And by “law firm,” you’re talking about
10 outside foreclosure counsel; is that right?
11 A Correct.
12 Q Or could it be any other kind of counsel, or
13 bankruptcy counsel?
14 A Yes.

[…]

9 Q On the Fidelity system, you said that would
10 contain all the payment records, right?
11 A Yes.
12 Q Would that contain payment records from
13 previous servicers, if there were any?
14 A I don’t think so.
15 Q Where would those records be?
16 A They are in a separate — they’re stored
17 separately.
18 Q Is it a separate database system?
19 A Yeah.
20 Q Okay.
21 A Yes.
22 Q What’s that?
23 A I think it’s called Doctrak.
24 Q Doctrak?
25 A D-O-C-T-R-A-K.

[…]

1 Q In your course of signing affidavits of
2 indebtedness, did you ever review the Doctrack system?
3 A No.
4 Q Who is in charge of maintaining the Doctrack
5 system?
6 A I don’t know.
7 Q Who is in charge of the standards in audits
8 for the Doctrak system?
9 A I don’t know.

[…]

24 Q Do you receive anything else from Amber,
25 besides the affidavit itself?

1 A Receive any?
2 Q Sure. She drops off an affidavit on your
3 desk, right?
4 A Yes.
5 Q Is there anything else, along with that
6 affidavit, that she would normally drop off for you?
7 A I don’t understand what you’re asking me. I
8 don’t know what —
9 Q Sure. Would she drop off, you know, the
10 origination file attached to the affidavit, or —
11 A No.
12 Q Would there be anything attached to that
13 affidavit?
14 A Sometimes the — no. I would just be
15 speculating. I don’t remember.
16 Q Along with the affidavit, would there be any
17 specific instructions for you to sign or review or
18 anything like that?
19 A No.
20 Q Just the affidavit itself?
21 A Yes.

[…]

10 Q Okay. And did you — and you’ve already said
11 you wouldn’t check to see if Fannie Mae or Freddie owned
12 that loan, right?
13 A No.
14 Q Okay. Would you check to see if anybody else
15 owned that loan?
16 A No.
17 Q Do you know if anyone did?
18 A I don’t know.
19 Q Did you ever verify a complaint that had a
20 count that said a note was lost?
21 A Yes.
22 Q Okay. And did you look for the note yourself?
23 A No.
24 Q Did you talk to anyone about looking for the
25 note?

1 A No.
2 Q What did you do to verify that a note was lost
3 or misplaced?
4 A Not usually anything.

[…]

7 Q You don’t need special permission to see who
8 the owner or investor is, right?
9 A Correct.
10 Q Would you look at any internal servicing
11 records to determine who the owner or investor was prior
12 to signing affidavits of indebtedness?
13 A Not always, no.
14 Q Okay. Ever?
15 A I can’t say.

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Want to know what LPS does when they have the wrong entity? Read The Internal Leaked Emails

 

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