You are browsing the archive for 2011 October 26.

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by MatthewCCox

Things That Make Me Go HMMMM

October 26, 2011 in Opinion

Pondering CatAs I have explained in other places on this website, when I write for Peace of Mind News, I write about topics that interest me. In many cases, they confuse me. They cause me to go HMMMM.

With my confusion comes an unease that I must reconcile. Therefore, when a topic appears on my radar, I am compelled to write about it. I must see it, investigate all the angles, and explore it via any sources I can find.

As I have done this to write about Occupy Together, illegals drugs, UFOs, finances, and other topics, I’ve discovered a common thread.

There is a truth. This truth is used by those in power (The Establishment) to get and keep power. Then, this truth is hidden or ruled illegal so that those in power can prevent citizens (The People) from using it. If The People attempt to uncover the truth or discuss why something is labeled “illegal,” The Establishment calls it a conspiracy theory and implies that The People are crazy.

Let’s look at a few examples.

Occupy Together – The People are protesting because numerous financial and legal issues need addressing. The Establishment knows about these problems and realizes that the solutions require drastic actions that they don’t want to implement. Therefore, they discredit Occupy Together by linking it to fringe elements or arresting the protestors, many times without charging them for anything.

Drugs – The People and The Establishment use drugs for medicinal, recreational, and spiritual purposes. The Establishment use uses tax dollars to regulate the supply and use of the drugs. The Establishment maintains the supply of the drugs and profits from the sale of them. In addition, The Establishment profits from providing security and weapons for illegal drug suppliers.

UFOs – The People report seeing UFOs and encounters with ETs. The Establishment either issues statements that explain away the experiences or, more likely, they ignore the reports. In the instances where The Establishment has information on the topic, they claim it cannot be released for security reasons.

Financial – The People struggle under a significant load of personal debt. Even though The People may have benefitted from the use of the debt, the access to this credit was pushed upon The People so that The Establishment could propagate a fiat money system based upon government debt. This fiat money system gives The Establishment the ability to control how The People use time. It must be exchanged for revenue to pay The People’s debt. This revenue is taxed by government to pay its debt.

Some theories claim that this debt can be removed through the application of certain laws. When The People attempt to learn about these laws, The Establishment neither confirms nor denies them. Sometimes, The People are successful in getting the debts removed. Other times, The People push the law too far and they end up arrested by The Establishment.

Mortgages – The People use mortgages to acquire houses. The Establishment uses these mortgages to create trading and financial instruments. The Establishment trades these instruments as currency in their business transactions. This destroys the rights of the mortgager and the mortgagee, making many of today’s current mortgages fraudulent. Apparently, The Establishment does not understand the rules of the game it has created. Some of The People are keeping their homes and walking away from the mortgage. (A lot has happened with this topic in the past week and I’ll devote an entire article to it in the next day or so.)

I will continue to visit these topics in an attempt to gain clarity about them and, of course, respond from a peaceful response.

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by MatthewCCox

My Mortgage Company Serves Me Waffles

October 26, 2011 in Finance

I wrote previously about our experiences in attempting to acquire a modification on our home mortgage. If you missed it, you may read that story here.

A couple nights ago, I received another call from my mortgage company.

“Mr. Cox, when may we expect your past due payment?”

I encouraged the representative to look at the notes on the account.

I told him we would not make a payment until they had sent us the paperwork for the loan modification.

I explained to him that we had filed the modification application more than six weeks ago and, the last time someone called, I had been promised we would have the modification paperwork in 5-7 business days. I had even been quoted interest rates and payment amounts.

The representative put me on hold and came back to tell me that the previous representative made a mistake and I would have to wait until the account was eighty days past due and no longer in good standing.

“That’s odd. The previous representative told me two weeks ago that not making a payment for thirty days would revoke the good standing of the account and allow you to negotiate with me.”

“He made a mistake.”

“How do I know you aren’t making a mistake today?”

“I apologize for the earlier mistake.”

WafflesI smiled. They had waffled on me.

This was becoming a game. I decided I could wait as long to make the next payment as they could wait to give me the modification.

I didn’t feel an iota of remorse about playing this game. I was negotiating in good faith, explaining precisely what I was going to do and what they could do to get me to do what they wanted me to do.

Apparently, this confused them.

Or, maybe they didn’t care that they had a mortgage on their books that was upside down by more than two hundred thousand dollars.

I considered what my attorney friend, Ana, had told me during our conversation.

“Your signed Promissory Note is a negotiable instrument that the bank sold to another bank or the Federal Reserve through the ones and zeros, the electronic transfer of funds. The lender has already been paid. In most cases, the servicing company doesn’t have the legal right to foreclose or enforce the terms of the loan because the document you signed has been sold and used as a negotiable instrument. The servicing company only has the servicing contract. They don’t have the actual note.”

I didn’t know if that was true or not. However, the servicing company was beginning to act like it was.

Was the threat of foreclosure an empty threat? Would they give me my promised modification? How long would it take?

I’ll let you know as soon as I know myself.

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