n. ann piwinski, plaintiff v wells fargo bank na. and china brown defendants

8/8/2019 N. Ann Piwinski, Plaintiff v Wells Fargo Bank Na. and China Brown Defendants

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INTHEFAIRFIELDCOUNTYCOURTOFCOMMONPLEASCVLDIVISIONNANNPIWINSKI CASENO1470MillParkDriveMarysvilleOhio 43040 JUDGE

PlaintiffV CIVILCOMPLAINTWELLS FARGOBANKNAcscLawyers Incorporating Service JURYDEMANDENDORSEDHEREON50WestBroad StreetColumbus Ohio 43215ANDCHINABROWNcWells Fargo BankNA3476 StateviewBvdFortMill South Carolina 29715

Defendants

This civil complaint concerns Defendant Wells Fargo BankNAsnd China BrownsDefendants attempts to deceive this Court and Plaintiff N Ann Piwinski Plaintiff intoentering a default judgment granting foreclosure in favor of Defendants and aga inst Plaintiff inFairfield County CaseNo007CV 00952

Now comes Plaintiff and for he r complaint against Defendants states as followsParties

1 Plaintiff is a resident of Union County Ohio She formerly resided at 1928 Wnd RiverDrive Lancaster Ohio 43130 the Property

2 Defendant Wells Fargo is headquartered at 3476 Stateview Blvd Fort Mill SouthCarolina29715

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3 D e f e n d a n t C h in a Brown is a nd w a s a Vice P r e s i d e n t of Loan Documentation employedby Defendant Wells Fargo

JurisdictionandVenue

4 Defendantsonduct occurred in Fairfield County Ohio and is in violation ofOhiosConsumer Sales Practices Act CSPAR1345 Ohiosaby RICO statute BabyRCOR92332nd the common law

5 Jurisdiction over this matter lies within this Court pursuant toR134504R293234nd the common law

6 This Court has venue to hear this matter pursuant to CivR33ecause Defendantsconduct which gave r ise to Plaintiffsrayer fo r relief in Fairfield County Ohio

7 The state court of common pleas has original jurisdiction over this matter a s the conductwhich gave rise to Plaintiffsrayer for relief occurred a s a result ofDefendantsiling ofa foreclosure lawsuit in Fairfield County Ohio

Factual Background

8 On or about January 19 2004 Plaintiff executed a mortgage loan with respect to theresidential real estate located at 1928 Wind R ive r Drive Lancaster Ohio 43130 theProperty evidenced by a promissory note and a mortgage in favor ofDominion HomesFinancial Services Ltd

9 On August 6 2007 Defendant filed a complaint for foreclosure in the Fairfield CountyCourt of Common Pleas seeking judgment against Plaintiff and foreclosure of theProperty the Foreclosure Action The Foreclosure Action bore case no 2007 CV00952 A copy of th e complaint in t h e Foreclosure Action with t h e note a n d mortgage isattached hereto as ExhibitA

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10 In t h e c o m p l a i n t in t h e F o r e c l o s u r e Action Wells F a r g o c l a i m e d it w a s th e h o l d e r a n downer of t h e note Upon information a n d belief this s t a t e m e n t w a s blatantly false a n dw a s known by Wells F a r g o to b e f a l s e a t th e time th e complaint w a s drafted in that WellsFargo was no t the owner of the note

11 Plaintiff did not file an answe r to the foreclosure complaint12 On November 15 2007 Wells Fargo filed a motion for default judgment against PlaintiffThe motion fo r default judgment is attached hereto a s Exhibit B

13 On November 20 2007 Defendants caused to b e filed a n Affidavit of Status of Accountand Military Affidavit theAffidavit A copy of the Affidavit is attached hereto a sExhibitC

14 In the Affidavit Defendants stated1 Affiant is a Vice President of Loan Documentation withWells Fargo BankNAn this jo b pos ition a ffiant has the cus tody of and has personalknowledge of the accounts of said company and specifically with theaccount ofPLAINTIFF defendant herein2 Affiant states that this s aid a cc ount is in default and that plaintiff haselected to call the entire balance of said account due an d p aya ble inaccordance with the terms of the note and mortgage attached to the

Complaint3 Affiant states that there is due on sa id a cc ount a principal balance of1940318ogether with interest thereon15 On November 20 2007 based upon Defendants fraudulent complaint and the Affidavit

th e C o u r t g r a n t e d Wells Fargosefault judgment a n d i s s u e d a Finding a n d D e c r e e inForeclosure

16 It is wel l documented that for years Wells Fargo h a s u s e d so called robosigners in itsmortgage servicing division to expedite foreclosures Robosigners are individualsw h o s e s o l e job responsibility is to sign affidavits a s s i g n m e n t s of mortgage a n d other

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legal documents used in foreclosures en masse so t ha t homeowners can be removed fromtheir h o m e s by b a n k s a s quickly a n d cheaply a s possible As a result ofWells Fargosu s e o f ro bo signers t h e Ohio Attorney General h a s launched a n investigation into itspractices See article from Bloomberg News attached hereto a s ExhibitD

17 Because they a r e required to sign s o many documents in order to effectuate cost savingsfo r the banks robosigners do no t even read the documents containing critical statementsnecessary to g r e a s e the wheels of their foreclosure mills The typical robo signer simplyattests under oath that he or she has personal knowledge of the statements made andswears that those statements a r e true and accurate without even having read thedocument In addit ion in the rush to generate these documents the robosigner willgenerally s ign the document outside the presence of a notary public w ho later notarizesthem

18 The above practices fail to comport with legal requirements thereby rendering thedocuments fraudulent and invalid

19 China Brown is and was at all relevant t imes employed and con tro lled by Wells FargoChina Brown is and w as a robosigner

20 Based upon the foregoing Plaintiff has reason to believe and does believe that theAffidavit contained material false and fraudulent statements in thata China Brown did not have custody of the documents she referred to in the

Affidavitb The records and accounts referred to were not compiled by Wells Fargo a t or near

the time of occurrence of the events referenced

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c T he re co rd s w e re not kept by Wells Fargo in the course of its regularly conductedbusiness

d It is not the regular practice ofWells Fargo to keep such recordse China Brown had no personal knowledge of an y of the facts she attested tof Wells Fargo was not the holder of the note and mortgage as it claimed andg Wells Fargo w as not entitled to foreclose on the Property

21 By giving China Brown the title of Vice President of Loan Documentation WellsFargo meant to m is lead the Court in the above noted foreclosure action and Plaintiff intobel ieving she w as a person with the knowledge and authority to make the statements shedid in the Affidavit and thus not ques tion the validity of it

22 Defendants statements that they were the holder of the note and mortgage we re falsean d we re mean t to mislead the Court an d the Plaintiff into believing Wells Fargo had theright to foreclose

23 Based upon the Affidavit and the false allegations in the complaint in the ForeclosureAction the Court granted WellsFargosotion for default judgment

24 The enti re Forec losure Action noted w as contaminated by the fraud ofWells Fargo andChina Brown A s a result of that fraud Wells Fargo w as permitted under color of lawto ta ke the Property away fromPlaintiff

CountIeclaratory Judgment25 Plaintiff incorporates the foregoing paragraphs herein by reference26 A justiciable controversy exists with respec t to the following issues involved herein

a Whether Wells Fargo w as the holder and owner of the note and mortgage and thusw as entitled to foreclose on the Property and

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Count IIICommon Law Fraud34 Plaintiff incorporates t h e foregoing paragraphs herein by reference35 China Brown s ig n e d th e Affidavit a which contained representations bwhich w e r ematerial to t h e foreclosure proceedingscwhich w e r e m a d e with knowledge of theirfalsity a n d with u t t e r d i s r e g a r d for w h e th e r th e y w e re t r u e of falsedwhich w e r e m a d ewith t h e intent of misleading this Court a n d opposing parties into relying upon them anden which this Court a n d Plaintiff justifiably relied

36 T h r o u g h it s a g e n t C h i n a Brown a n d p e r h a p s others Wells F a r g o am a d e r e p r e s e n t a t i o n swith r e s p e c t t o i t s f o re c lo s u r e c a s e a g a i n s t Plaintiff bwhich w e r e m a te ria l t o th a tforeclosure proceedingc hich w e r e m a d e with knowledge of their falsity or with utterd i s r e g a r d for w h e th e r th e y w e re t r u e o r falsedwhich w e re m a d e with th e intent ofmisleading this Court a n d o th e rs into relying upon them a n den which this Court a n dthe opposing parties justif iably rel ied

37 A sa direct a n d proximate result of Defendants conduct a s d e s c r i b e d herein Plaintiff h a sbeen damaged in an amount in excess of250000

Count IVAbuse ofProcess38 Pla in t if f incorporates the foregoing paragraphs herein by reference39 In filing t h e F o r e c l o s u r e Action a g a i n s t Plaintiff D e f e n d a n t s s e t in motion a l e g a lproceeding within a purported proper forum a n d with probable cause

40 Defendants actions a s described herein in relation to the Foreclosure Act ion againstPlaintiff h a v e p e r v e r t e d t h e p r o c e e d i n g in o r d e r t o a c c o m p l i s h a n ulterior p u r p o s e forwhich the proceeding was not designed

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41 As a direct and proximate result of Defendants conduct a s described herein Plaintiffhasbeen damaged in an amount in excess of250000

CountVCivil Conspiracy42 Plaintiff incorporates the foregoing paragraphs herein by reference43 Defendants e n g a g e d in a malicious combination involving a t least tw o people or entities44 Defendants malicious combination caused injury to Plaintiff45 There exists a n unlawful act independent from the conspiracy itself46 A s a direct and proximate result of Defendants conduct a s described herein Plaintiff has

been damaged in an amount in excess of250000CountVViolation ofOhiosabyRICOStatute

47 Plaintiff incorporates the foregoing paragraphs herein by reference48 Wells Fargo a n d China Brown acted in violation of Baby RICO by engaging in a n dparticipating in Plaintiffsf fairs through a pattern of corrupt activity and collection ofunlawful debt

49 A s a direct and proximate result of Defendants conduct a s described herein Plaintiff h a sbeen damaged in an amount in excess of250000

Prayer forRelief

WHEREFORE Plaintiff demands judgment against Defendants a s followsaFor compensatory damages in excess of250000bFo r punitive damages in an amount to be determined at trialcA civil penalty of not l e s s than250000or each separate and appropriate violation

described herein and pursuant toR134507DdFo r reasonable andortatutory attorneysees8


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e For a n o r d e r finding t h a t D e f e n d a n t s a re jointly a n d severally liable for all m o n e t a r yamounts awarded andfFor any other relief this Court d e e m s appropriate

Respectfully submittedTHESHERROD LAWFIRMLLC

eoO0785ure Drive Ste B 1ublin Ohio 430176143944061416515axohnaherrodawneAttorney forPlaintiffJury DemandPlaintiff demands a trial by jury

J She

Instruc ions for Service

T o t h e Clerk p l e a s e deliver a c o p y of th e s u m m o n s a n d complaint via certified mailreturn receipt requested to each named defendant at j t h e d r e y q i o t e d abItiv above tion

J Sherrod

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EXHIBIT A


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FAIRFIELD COUNTY OHIO EYiRiif FQWes Fargo Bank NA Case No3476 Stateview BoulevardFortMll SC 29715 Mac 7801013 i 07 C V 952Paniff C O M P L A I N T INFORECLOSUREvs WthNotice Under the FarDebt Collection PracticesActNcoePwnski1470 Mll Park DiveMarysville OH 43040 Permanent Parce No105322927 00John Doe name unknown spouseofNcoePwnski i1470Mll ParkMarysville OH 43040Jane Doe name unknown Occupant1928 Wnd River DriveLancaser OH 43130

iDefendans

NOTICE

The Summons atached to ths Complaint advises you ocertan of your rights under stae law for responding to thsComplaint Among these rights is your right to serve yourAnswer upon Lerner Sampson Rohfusswthin twentyeght 28days Ifyour name appears in numbered paragraph 1 beow youhave additiona rights under federa law to request certaninformaion fromLerner Sampson Rohfusswthin thirty 30

I V I I I N I I I I I q II I N N llllll II I I I III I I I I IIN I NLSR200731851D157P1300C9


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The federa Far Debt Colection Pactices Act requirestha Lerner Sampson Rohfuss provide you wth the followinginformaion The amount of thedebt as of July 26 2007 is2067809his amoun is made up of your principal balanceinerest lae charges and amouns expended by the creditorsuch as for taxes and insurance Because many of these itemsvary fromday today the amount due on the day you pay wll begreaer Hence ifyou pay the amoun shown above anadjustment will be necessary after we receive your check

The creditor to whom the debt is owed is the panifflisedabove Unless wthin thirty 30 days of your receiptof thisNoice you noifyLerner Sampson Rohfuss tha youdispute thevaidity of thisdebt or any portion ofitLernerSampson Rohfusswll assume the debt isvaid LernerSampson Rohfuss isa debt coecor This is an attempt tocolect a debt and any inormaionobtanedwll be used forthat purposeIf you noifyLerner Sampson Rohfuss in writing withinthirty 30 days of the receipt of this Notice that the debt orany portion thereof is disputed Lerner Sampson Rothfusswllobtan averficaionof the debt and wllmal a copy of thaverificaion toyou If the creditor named as paniff above

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recep of thisnoice Lerner Sampson Rothfuss wll provideyou with the name and address of the original creditor

COMPLAINT

COUNT ONE

1Paniff isthehoder and owner of a noe a copy ofwhich isatached hereo as ExhibitAy reason of defaultunder the terms of the noe and the mortgage securing samepaniff has decared the debt evidenced by sadnoe due andthere is due thereon from the defendan Ncoe Pwnski1940318ogether wth neres a the raeof5000peryear fromOctober 1 2006 plus court coss advances and ohercharges as allowed by law2Paniff further says tha the defendan NcoePwnski is immune frompersonal liability on sad noe byvirtueof Bankruptcy Case No 0750520 United States BankruptcyCourt Southern District of Ohio Eastern Division

COUNT TWO

3Paniff incorporaes the allegations of Coun One andfurtherstaes tha itis the hoder of a mortgage a copy ofwhich isatachedhereoasExhibitBhe mortgage was giventosecurepayment of theabovedescribednoe and said mortgage

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4The mortgage was filedfor recordon January 23 2004 inVolume 1325 Page 3154 of the county recordersecords itwassubsequently assigned to thepaniff herein The conditionsodeeasance conaned therein have been broken paniff hascomplied wthal conditions precedent and plaintiff is entitledto have said mortgage foreclosed5Paniff says tha the defendan John Doe name

unknown spouse of Nicole Piwinski may claim an interest in thesubject property as the curren spouse of the defendantitlehoder Ncoe Pwnski Paniff staes tha itcannocurrently discover the real name of said defendant6Paniff says tha the defendan Jane Doe nameunknown Occupant may claim an interest in the subject propertyas the curren occupant Paniff staes tha itcannocurrently discover the real name of said defendant

WHEREFORE paniff prays for a findingof deaut Thereisdue1940318

ogether with interest at the rate of 5000per year fromOcober 1 2006 plus court costs advances andoher charges as aowed by law tha paniffsortgage beadjudged a valid first lien upon the real estate described hereinand tha sad mortgage be forecosed tha said real property beordered sod and tha paniff be paid out of the proceeds of

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r equ i r ed to s e t u p t h e i r l i e n s o r in te re s ts in s a i d r e a l es t a t e o rbe forever barred from asserting same

r

Loree o ohan Trial CounselOhioSueme Court Reg 0081839LERNER SAMPSON ROTHFUSSAtorneys forWesFargo Bank NAPox 5480Cncinnai OH 452015480513 2413100513 2414094axattyemail@srlawcom

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NcoePwnski1470Mll Park Drive dMarysville OH 43040John Doe name unknown spouse of Nicole Piwinski1470Mll ParkMarysville OH 43040Jane Doe name unknown Occupant1928 Wnd Rver DiveLancaster OH 43130

WRITTEN REQUEST FOR PERSONAL SERVICE B Y THE SHERIFF OF FAIRFIELDCOUNTY OHIO ON THE FOLLOWING NAMED DEFENDANTSJane Doe name unknown Occupant1928 Wnd RverDiveLancaster O H 43130

4Certified Article Number Certi fied A rticle Numbe7160 3901 9849 8281 9106 71 60 39 01 9849 6281 9120DSENDERSMMMMEA 2007 CV 00952 SENO D2007 CV 00952 P000 0458 74P000 0458 72

JANE DOE NAME UNKNOWN OCCNICOLE PIWINSKI OCCUPANT1470 MLL PARK DR 1928 WIND RIVER DRMARYSVILLE OH 43040 LANCASTER OH 43130

Certifi Article Numbe7160 3901 9849 8281 9113

2007 CV 00952 L SENDERS RECORD JP000 0458 73JOHN DOE NAME UNKNOWN SPOSPOUSE OF NICOLE PIWINSKI1470 MILL PARKMARYSVILLE OH 43040

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UvJanuary 19h 2004 DUBLIN OHIO

tDatc city State1928 WIND RIVER DRIVE LANCASTER OHIO 43130tPoptyddress

1 PARTIESBorrower m e an s e a c h person signing a t t h e e nd of this No te a id th e personsu c ce s s or s a n d assigns Lendermeans DOMINION HOMES FINANCIAL SERVICES LTD

and i ts successors and assigns2 BORROWERSROMISE TOPAY INTERESTIn r e t u r n for a l o a n r e c e i v e d from Lender Borrower p ro m is e s to p a y th e principal s t u n of Tw o Hundred T w oThousand Six Hundred Ninety Seven DollarsU2029700p l u s interest to th e o r d e r of Lender I n t e r e s t wil l b e c h a r g e d o n u n pa id principal fromth e d a t e ofdisbursement of th e loan p r o c e e d s by Lender a t the r a t e of Five an d on e halfpercent500 per year until th e full amount of principal h a s b e e n paid3 PROMISETOPAYSECUREDBor rowers

romise to p a y is s ec u r e d by a mortgage d e e d of trust or similar security instrument that i s d a te d th es am e d a te a s this Note a n d called the Security Instrument The Security Instrument protects th e Lender from l o s s e swhich might result if Bor rower defaults under this Note4 MANNEROF PAYMENTAime

Bor rower shall make a payment of principal and i nte rest t o Lender on th e first day of e a c h month beginning onMarch1s 2004 Any principal and interest retraining onthe first da y of February 2034will be d ue o n tha t date which is called the Maturity DateBlace

Payment shall be nude at 5000 TUTTLE CROSSING BLVD DUBLIN OR 430165555or at s u c h place as Lender may designate in writ ing by notice to BorrowerCmount

Each monthly payment of principal and interest will be in the amount ofUS15090his amount willb e p a r t of a l a r g e r m o n t h l y p a y m e n t r e q u ir e d b y th e S e c u r i t y Instrument t h a t s h a l l b e a p p l i e d to principal i n t e r e s t a n do d r e T i t e m s in the order d e s c r i b e d in th e Security InstrumentDl longe to this Note for Payment AdjustmentsIf an allonge providing for payment adjustments is executed by Bor rower together with this Note th e covenants ofthe allonge shall b e incorporated into a n d shall a m e n d a n d supplement d ie covenants of this Note a s if the allonge were apart of this Note Check applicable box j

Graduated Payment Alionge Otlier specifyGrowing Equity Al longe

S BORROWERSIGHT TO PREPAYBorrower h as th e right to p a y th e debt e v i d e n c e d by this Note in whole or in pa n without c h a r g e or penalty on th e

first day ofany month Lender shall a c c e p t prepayment on other d a y s provided that Borrower p a y s interest on th eamount prepaid for the remainder of die month t o t he e x te nt required by lender and permitted by rebvlatiors of theSecretary If Borrower makes a partial prepayment there will b e no changes in the due date or in the amount of themonthly payment unless tender agrees in writing to those changesb BORROWERSAILURE TO PAYALate Charge for Overdue PaymentsIf Lender h a s no t received the full monthly payment required by the Security Instrument a s described in Paragraph4f this Note by the end of Ffteen calendar days after die payment is due Lender may collecta late charge in the amount of Four percent400 of the overdueamount of each paymentBDefaultIf Borrower defaul ts by failing t o pay in full any monthly payment then Lender may except a s l imited byregulations of the Secretary in the c a s e of payment defaults require immediate paymen t in full of die principal balanceretraining due and all accrued in terest L e nd er may choose no t to exercise this op ti o n w i t hou t wa i v in g i ts r ight s in die

initialsFHA Multistate Ratc Note 12195AAFNIG 091424101 Pap I of 2 w MortSageBaokinxSystvwsxm


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L3evetopment or nt s ar ncr ucsiguccC Payment of Costs and ExpensesI f L e n d e r h a s r e q u i r e d i m m e d i a t e p a y m e n t i n full a s d e s c r i b e d a b o v e L e n d e r m a y r e q u i r e B o r r o w e r u t p a y c o s t sa n d e x p e n s e s i n c l u d i n g r e a s o n a b l e a n d c u s t o m a r y a t t o r n e y s f e e s f o r e n f o r c i n g t h i s N o t e t o t h e e x t e n t n o t p r o h i b i t e d b ya p p l i c a b l e l a w S u c h fm a n d c o s t s s h a l l b e a r i n t e r e s t f r o m t h e d a t e o f d i s b u r s e m e n t a t t h e s a m e r a t e a s d i e p r i n c i p a l o fthis Note7 WAIVERSB o r r o w e r a n d a n y o d i c p e r s o n w h o h a s o b l i g a t i o n s u n d e r t h i s N o t e w a i v e t h e r i g h t s o f p r e s e n t m e n t a n d n o t i c e o fd i s h o n o r P r e s e n t i m e n t m e n u s th e r i g h t t o r e q u i r e L e n d e r t o d e m a n d p a y m e n t o f a m o u n t s d u e N o t i c e o f d i s h o n o rm e a n s t h e r i g h t t o r e q u i r e L e n d e r t o g i v e n o t i c e to o t h e r p e r s o n s t h a t a m o u n t s d u e h a v e n o t b e e n p a i d8 GIVING OF NOTICESU n l e s s a p p l i c a b l e la w r e q u i r e s a d i f fe r e n t m e t h o d a n y n o t i c e t h a t m u s t b e g i v e n t o B o r r o w e r u n d e r d a i s N o t e w i l l b eg i v e n b y d e l i v e r i n g i t o r b y m a i l i n g it b y f i r s t c l a s s m a i l t o B o r r o w e r a t t h e p r o p e r t y a d d r e s s a b o v e o r a t a d i f f e r e n ta d d r e s s if B o r r o w e r h a s g i v en L e n d e r a n o t i c e o f B o r r o w e rsi f f e ren t a dd r e s sA n y n o t i c e t h a t m u s t b e g i v e n t o L e n d e r u n d e r t h i s N o t e w i l l b e g i v e n b y f i r s t c l a s s s n a i l t o L e n d e r a t t h e a d d r e s ss t a t e d in P a r a g r a p h4o r a t a d i f f e r e n t a d d r e s s if B o r r o w e r is g i v e n a n o t i c e o f t h a t d i f f e r e n t a d d r e s s9 OBLIGATIONS O F P E R S O N S U N D E R T H IS N O T EI f m o r e t h a n o n e p e rs o n s i g n s t h i s N o t e e a c h p e r s o n if f u l l y a n d p e r s o n a l l y o b l ig a t e d t o k e e p a l l o f t h e p r o m i s e sn u d e in t h i s N o t e i n c l u d i n g th e p r o m i s e t o p a y t h e f u l l a m o u n t o w e d A n y p e r s o n w h o is a g u a r a n t o r s u r e t y o re n d o r s e r o f t h i s N o t e i s a l s o o b l i g a t e d t o d o t h e s e t h i n g s A n y p e r s o n w h o t a k e s o v e r t h e s e o b l i g a t i o n s i n c l u d i n g t h eo b l i g a t i o n s o f a g u a r a n t o r s u r e t y o r e n d o r s e r o f t h i s N o t e is a l s o o b l i g a t e d t o k e e p a l l o f t h e p r o m i s e s m a d e i n t h i sN o t e L e n d e r m a y e n f o r c e i t s r i g h t s u n d e r t h i s N o t e a g a i n s t e a c h p e r s o n i n d i v i d u a l l y o r a g a i n s t a ll s i g n a t o r i e s t o g e t h e rA n y o n e p e r s o n s ig h t in g t h i s N o t e m a y b e r e q u i r e d t o p a y a l l o f t h e a m o u n t s o w e d u n d e r t h i s N o t e

BY SIGNING BELOW Borrower accepts and agrees to the terns a n a l c o v e n a n t s C o n t a i n e din this Note

U SealNICOLE PIWNSKI Burrower

SealBorrower

PA Y TO THE ORDER OFAMERICAN BROKERS CONDUIT ml

Borrower

WITHOUT RECOURSEDOMINION HONES rINANCIAL SealSERVICES LTD Borrower

SY BR C OR SeelTSVICE RESIDENTOPERATIONS BorrowerSealoH80 O Borrower

HY Aweriean t3 W E L L S F A R G O H O M E M O R T G A G E M QVo U T R E C O U R S Ep A Y T O T H E O R D E R O f

wells Fargo HOMOMl B y P to o w m w g t i a n

AAFZC914200I Peke 2 of 2 mw urtyapeamkScags


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k r A w 6 a a a w t t eau e s t s m d u b a a a o u m a p m m k W w b e h e rd b y R P S P AL a n d e r till a t x oa t t t o o B d r rn tv a f or th e t r am i r a d s n t wg t t k b y RUpA li d a a m o u m s of T o a d s h d d b yC o r d e r a a n y tin a m 5 s u f f i c i e s t to p a y d te F a c r m r me v b e n d o e e n d s m a y o o d f y th e B t x r u w e r o r a lr a l c im xrowar to R a h n al t h e iar S a s p w m R W b y R S S P Ann i b d a t o w P u n c h R a opktda s a d d i d o t t a MM fo r a r t n u m b tw e d b y d a l e Sw a n t y 1 0 0 7 2 or I f8 o r r aW r r c o d a s to I e n d e r t h e f u l l p a y r m a o f a B s u c h s o m a B u a t o p l o c a C C O a a t A W I x a d a d wi t h d wbasm r e d O M M f o e a ll h t s p i b a e a tkbn d a a n d a n y eertpV 6001 p r e m i a m i n a W i a a e y ttat L e a d e r h a s n o t b e c u m o b l i p t a d tO P Y M th e Seer a n d L e n S e r d w D p c m g d y s e e a d d R o y a r e n a sA m d c in B C M W e r IUNDdyr i o r t o a f a n d o s a e c a l m o f ih a P r o p e r t y O f i t s a c q u i a i t la n b yLofthhrawna R e e n a c t A W b a o e d u o d w 1 1 h n a y W N W M W N W M A N O N i y d a i l m a a b s ixIna W b a n d c3 Applift i l o r P A T r e a a a c A ll p s ym r na U e d apr a p n p h a I a n d 2 tall b e a p p l i e d b y L m d a e uallowsFL t o t d r a wapp bovowIio b e p a i d b yIa d a t o ti e Sw mMr t o th e mmdurtt b ydmSwn taller ofan a l h l y s orttiom e a a n o a PumawAL a s to y U M 4 go a a e d a a t tsa s a b o i d p a y m a a l a a r P o n d rats S a i d W g o o d a d d O b e r11daeoaea premlaas a s mwirbUJIL to wicicat dwatth eNwBagh b s m o t d s g 6 o n o f d ie p d eo p d o f th e N O W a ndao l a t e chatsw d u e tmdtx th e Nam4 p rim H a nd s M OWr B o a r d I y n r a a e e i u t r o w e r d ied t a s m R B i m p r o r e e e t t s to n 1 6 4 h o p e m yw I n C h o n o w is e d l s l e n e a o r s A s e g y a u t l y a x e C t a d afdblm r y b p i n l e d e e a a s a l d e t a d o m l rgwiaaawtsR e a f i l l w h i c h L e n d e r r e g a b e a h w m a n r o TAsy w w m s h a l l b e a w a t a s d in th e 4 1 0 0 U M a n d th r t h epda t h a t L e n d e r tatprxd a t r f a a s h a l t a h O i n s u r e a i i y p d v r a r t a r r o m th e P t o t p e r r Y w h a l e r R a w hp r i a a n a a r s d a a pear l y a e c m d a f Q miy f t o d a to t h e s a r w r e W o o W t h e 5mm u t r y A ll i a s u t m o sd m E b e c s n i a d w h h o l l p a g m geed b y L u m d M x i m am e c p o l i c k a n p l a y r t m w d s s h a l l b e h e l d b ye n d e r re d s l r B i a eb i d r l d a s R a y a b k C l a p a e a in fA w ofa l a m 6 x 4 a t r a 0 1 1 6 m Ledain t b o a a r o f l o o s Nowrtwl p i ve U n d e r i d w a o d l n e nob y m u l l L o m b u m a y m a k e F O L K O f forsif d a n u d e p r o m p t ly b y e M O M b a d s i d s a t s t a c t c o m P a y y a r m a m m d it h e r e b y a u d m o d a n d d W v v d wm a k a p t r y m e m f 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EXHIBIT B


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200731851CO COURT OF COMMON PLEASFAIRFIELD COUNTY OHIO

WesFargo Bank NA Case No 07CV952Paniff Judge RchardEBerensvs

NcoePwnski e a MOTION F O R DEFAULT J U D G M E N TDefendans

Now comes the paniff Wes Fargo Bank NA andmoves the C ourt for a Default Judgment and Decree in Foreclosurein itsfavor forthereie prayed forin itsComplaint on thegrounds tha the defendans NcoePwnsk and John Doe nameunknown s p o u s e of N icole Piw i nsk i h a v e b e e n duly served with acopy of the Summons and Complaint and are indefaut of motionoranswer ThisMotion is made pursuant to Rule 55 of the OhioRules of Cvil Procedure

Respectfull ub ittedLorelei C Bolohan Trial CounselOhio Supreme Court Reg 0081839LERNER SAMPSON ROTHFUSSPox 5480Cncinnai OH 452015480513 2413100attyemail@srawom


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NcoePwnsk1470Mll Park DriveMarysville OH 43040John Doe name unknown spouse of Nicole Piwinski1470Mll ParkMarysville OH 43040 rIoree C ohan


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EXHIBIT C


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protect the property4 Affian staes tha noneof thedefendans herenarein themlitary serviceas deined by the Servicemembers CivilReief Act of 2003

China BrownVice President of Loan Documentation

Sworntobeforeme and subscribed inmy presence this 15 dayof August 2007 a4No ry

Jennifer E MoscaNotary PublicState ofSouth Carolina

My Commission ExpiresDecember 15 2015


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EXHIBIT D


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Wells Fargo to Be Focus of Ohio ForeclosureProbeB y NAichac Ril ey and Margaret Brennan Oct 28 2010 126M E

i

AWells Fargo bankbranch stands on Market Street in San Francisco Photographer NoahBergerBloomberg

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faki

Oct 28 Bloomberg Ohio Attorney Genera l Richard Cordray talks about the p robe byattorneys general in all 50 states into mortgage foreclosure practices and the d isclosure byWells Fargo Co that it found f laws in cour t documents Wells Fargo the biggestUhome lender said itwill file supplemental foreclosure affidavits to courts in about5500proceedings after finding some statements didnot strictly adhere to the requ iredprocedures Cordray speaks with Margaret Brennan on Bloomberg TelevisionsnBusiness Source BloombergWellsFargo Co will be a focus of an investigation into foreclosure practices OhioAttorney Genera l Richa rd Cordray told B loomberg Te lev is ion after th e lender said it foundflaws incourtdocuments


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Wells F a rg o s a id y e s t e r d a y that it would submit supplemental affidavits to courts in about550o r e c l o s u r e p r o c e e d i n g s a f t e r finding s o m e s t a t e m e n t s did not strictly a d h e r e to t h erequired proceduresThese p e o p l e think they c a n play b y a different s e t of rules C o r d r a y s a i d in a n interviewtoday o n Bloomberg TelevisionsnBusiness with Margaret BrennanItsot justindividuals who signed flawed affidavits Itsbusiness model designed on fraudTeri Schrettenbrunner a spokeswoman for S a n Francisco basedWells Fargo said in an email that none of the paperwork problems h a v e led to foreclosures that shouldnta v eotherwise occurred and the problems arent

elated to the quality of loan dataWe have chosen to submit supplemental affidavits out of an abundance of caution shesaid We intend to b e responsive to General Cordray nquiries and look forw ard toaddressing his concernsAttorneys general in all 5 0 s t a t e s started a probe into foreclosure practices after courtdocuments surfaced showing employees signed papers without ensuring their accuracyBank ofAmericaCorpJPMorgan Chase Co and Ally Financial Inc suspended someforeclosure s a l e s or evictions pending reviews Wells Fargo said in a statement yesterdaythat it doesntntend to stop foreclosure salesNewProngThese disclosures by Wells Fargo wil l now b e c o m e the focus for a new prong of our ongoinginvestigation Cordray said today in a statementHe called for banks to come up with a global solution to the foreclosure crisis and saidmortgage companies dontv e n know whatsoing on in their ow n shopCordray said h e wasntalling for an a c r o s s the board foreclosure freezeThey should halt foreclosures in e v e r y c a s e with fraudulent evidence Cordray toldBloomberg


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To contact the reporter on this story Michael Riley in Washington atmichaelriley@bloombergne

n. ann piwinski, plaintiff v wells fargo bank na. and china brown defendants

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