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United States News Title: It Happened To Us In Idaho – The Nick and Donna Nickerson Family We purchased a property and increased our equity. We bought the property to have a place to share with others. It was a ranch parcel with a rustic log home and a few outbuildings. Our family worked hard, developed the property, increased our equity, and built a ranch we could be proud of. Our note was on time and in good standing with Coldwell Banker Mortgage for six years. In 2008, as our IHTU The Battle Begins In Idaho music video illustrates, Chase took over our loan, messed up our records, and acted rude on the phone. JP Morgan Chase and PHH Mortgage Services took over our mortgage, messed up our records, and tried to foreclose. Communicating with JP Morgan Chase was a nightmare until we met a JP Morgan Chase representative named Kim who worked with us and the research department to get all the records straightened out. Kim confirmed the errors had been corrected and our note was showing current and in good standing as of January 2010. Wells Fargo employee Heather Hummell confirmed JP Morgan Chase reported our account on time. PHH Mortgage Services then took over servicing the beginning of February and everything kind of went crazy from there, as if it could get any crazier. Kim contacted us and warned us something illegal was going on with our account and a lot of other Chase accounts. Kim then disappeared. PHH Mortgage Services refused to accept any payments. PHH Mortgage Services immediately began wrongful and unlawful foreclosure proceedings. This destroyed our credit, reduced our long standing income and pursued the theft of years of equity from our family. We contacted their attorneys, Just Law of Idaho Falls, Idaho. Even after hearing our story, seeing proof of the accounting errors, being told by us and our attorney we wanted to keep the property and had the wherewithal to do so, Braden Howell and Jason Rammell of Just Law told us they had been hired to foreclose and that is what they were going to do. We continued to pay the second on the property while trying to stop the hostile takeover. We had a long-standing solid relationship with Wells Fargo, multiple accounts, plenty of equity in other assets, but Wells Fargo surprisingly refused. Heather indicated their decision did not make any sense as the bank would generally want to move into first position when possible. Wells Fargo claimed they could not help or intervene because of our damaged credit score. This was absolutely amazing to us. Our relationship with Wells Fargo and our financial reputation was solid and established. In fact, one of their personal bankers, Teresa Koepke, stated our credit score was the highest score she had ever personally seen just before this event began. She was very familiar with our accounts and contacted different departments to secure help. Wells Fargo was familiar with everything we were going through with JP Morgan Chase and knew JP Morgan Chases inaccurate record keeping and fraud had caused our credit problem. However, we were told banking practices had changed. New rules had been established because of the bailouts and the Obama administrations new banking regulations. We were told Barak Obama had passed legislation that prevented anyone who had been late or reported late on their payments from receiving a loan or accessing their equity accounts. Wells Fargo told us they were bound to abide by the new regulations. Jody Lauzon, a Wells Fargo Mortgage Representative, who knew us, our payment history, our income history, our credit history, and had processed a home equity line for us in the past, tried to help. There was nothing even she could do. We asked others to help. Our family was abused and victimized by those we trusted to help. The worst part is the abuse, the pain, the suffering continued and continues even now. Wells Fargo fired Heather Hummel, then denied her existence. Heather was too honorable to allow her name to be added to the list of those who had failed to stand up for what was right and had done nothing to help us, so she refused. Wells Fargo fired Heather, restricted her from access to our contact information, and denied her existence. We finally made them admit she had worked there, but they denied knowing what department she had been transferred to. All contact with Heather Hummel was lost at that time. (Read more about Heather Hummel). Wells Fargo then, after we had willingly made payments for several years when we had no legal obligation to continue doing so, quit working with us, ceased communication, and closed the account. Wells Fargo then focused on stealing our Montana ranch and entire financial portfolio in a rather comprehensive fraud scheme. The condensed version is they put our Montana Note into a closed trust, refused to accept payments, prevented performance, and had another bank file for foreclosure. (Read more about the Montana story) We then lost our attorney. UPDATE FROM ATTORNEY JOHN MITCHELL OF CLARK & FEENEY At the time of this posting, our counterclaim had been struck, discovery had been closed, an adverse summary judgment had been granted without our knowledge or defense, no appeal had been filed, and our attorney had secretly filed a motion to withdraw from our case. Our attorney, who we believed was standing as a friend to us and as an advocate to justice, had misled and would continue to mislead us for some time about the legal status of both the Idaho and Montana actions. Addiction problems, unbeknownst to us, had created financial and mental health issues that caused him to fall prey to the schemes of the bank. Eventually, he disclosed he had secretly withdrawn from our case in February 2013, regretfully admitted to his negligence, was disbarred, and informed the Idaho Court via affidavit he had deceived us. Late fall 2013 we inherited a prejudiced case. We told our story in a music video and on www.ithappenedtous.com. It Happened To Us Music Video Part 1 The Battle Began In Idaho It Happened To Us Music Video Part 2 The Battle Expands To Montana Both our music and documentation videos can also be viewed by clicking on IHTU Videos on the main menu of this site and by visiting our It Happened To Us youtube channel, www.youtube.com/ithappenedtous. The Idaho injustice system ignored our pleas for justice. We have fought and will continue to fight all the way. Every home in America needs to see what these companies have done, and how much pain and suffering they have caused, not only to us, but to millions of others. We want America to see the injustice, and realize we are not the only ones the big banks have done it to, or are going to do it to, if we the people do not stand up and stop them. Look in the legal section of your paper. How many foreclosures were posted this week? Last week? Last month? The foreclosure crisis is not over for them, or for us. Many of these homeowners will never even have an opportunity to appear before a judge to challenge the lawfulness of the actions being taken against them. Many of them are, like us, innocent. We did not default or walk away from our obligations. We did not fail to perform. We did nothing wrong. PHH Mortgage Services and JP Morgan Chase targeted us and refused performance. Performance refused excuses the debtor. Our family is just a normal, natural-born, conservative, English-speaking, God-loving family who believes in liberty and justice for all. We believe in religious liberty. Every American should have the right to believe or not to believe. We believe in property rights. No American should have their property stolen from them without cause or right. As United States Chief Justice John Jay stated, No power on earth has the right to take our property from us without our consent. We believe in due process. Every American should have equal access to justice. Liberty and justice are for all. This includes the Nick and Donna Nickerson Family. We worked hard and have given our all to stop this attack on our homeland. We are here on this site asking for your help, because those who are supposed to help have looked the other way, chosen not to get involved, and ignored our pleas. Please get involved and help us stop our ministry ranch from being unlawfully seized. It happened, and it can happen to you. If the American people ever allow private banks to control the issue of currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their fathers conquered
Next to the right of liberty, the right of property is the most important individual right guaranteed by the Constitution, and the one which, united with that of personal liberty, has contributed more to the growth of civilization than any other institution established by the human race
I believe the banking institutions are more dangerous to our liberties than standing armies. Our family has fought all the way, but each day begins a new day and a new chapter of fighting. We are unwilling to be silent or silenced victims. We wish none of this had happened. We did not ask for this battle and did nothing to deserve this battle. Nonetheless, this battle has come to us so we are resolved to fight for our family, our home, our way of life, and to preserve our good name. Once to every man and nation comes the moment to decide, in the strife of truth with falsehood, for the good or evil side. A NOTICE TO THE BANKS FROM THE NICKERSON FAMILY Therefore, we, the Nickerson family, because we hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain inalienable Rights, that among these are Life, Liberty, and the pursuit of Happiness, declare that to secure these rights, we will make our voice be heard against the tyranny and oppression of the perpetrators of the mortgage holocaust that plagues this country. It is our right and duty to tell our story until the highest authorities in this land stop the hostile takeover of home ownership by banksters who have become our most dangerous domestic and foreign enemies. We will fight these property right terrorists all the way with the weapons of resolve, publicity, justice and prayer; and today, tomorrow, or in eternity, with the help of truth and justice, we will win. So help us God, Post Comment Private Reply Ignore Thread Top Page Up Full Thread Page Down Bottom/Latest
#1. To: Deckard (#0)
At 10: Finally, PHH requests attorneys fees pursuant to Idaho Code section 12-121. In any civil action, the judge may award reasonable attorneys fees to the prevailing party or parties when the judge finds that the case was brought, pursued or defended frivolously, unreasonably or without foundation. I.C. § 12-121. Attorneys fees will ordinarily not be awarded for an appeal brought in good faith and raising a genuine legal issue. Nelson v. Nelson, 144 Idaho 710, 718, 170 P.3d 375, 383 (2007) (citing Chisholm v. Twin Falls Cnty., 139 Idaho 131, 136, 75 P.3d 185, 190 (2003)). [R]easonable attorneys fees will only be awarded to the prevailing party under I.C. § 12121 when the court is left with the abiding belief that the appeal was brought, pursued or defended frivolously, unreasonably and without foundation. Id. (quoting Balderson v. Balderson, 127 Idaho 48, 54, 896 P.2d 956, 962 (1995)). Such circumstances exist when an appellant has only asked the appellate court to second-guess the trial court by reweighing the evidence or has failed to show that the trial court incorrectly applied well-established law. Nickerson I, 160 Idaho at 400, 374 P.3d at 563 (quoting City of Boise v. Ada Cnty., 147 Idaho 794, 812, 215 P.3d 514, 532 (2009)). The Nickersons used this appeal to cast unsubstantiated aspersions and rehash every failed argument they made to the court below, and to this Court in Nickerson I. We find that the Nickersons pursued this appeal frivolously, unreasonably, and without foundationjust as they did in their prior appeal. Accordingly, PHH is entitled to an award of attorneys fees on appeal. IV. CONCLUSION For the foregoing reasons, the Court affirms the district courts orders following Nickerson I, and grant costs and fees to respondent PHH.
Maybe they should have switched banks early on.
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