Fraud, Missing Funds, Wells Fargo

Sites to watch -updated

2008-11-02T05:41:00.000-08:00

Predatorix kept a close eye on the mortgage banking industry. Cyrus had predicted over and over the failures that would be taking place in the banking industry and followed the shams that have been stripping equity from the American public. Cyrus accepted closure and Orix now has control over the site Cyrus had so painstakingly put together to show the hazards of the banks being allowed to parlay paper back and forth between one another. A massive paper trail to cover their activities so no one would be the wiser.Orix has deleted all of Cyrus's work that was online for all to see.

Christine Baker has started a suicide watch blog as people plan or use their deaths as a form of protest. Sad situation as people get so desperate they are willing to splatter their blood as a form of protest. I do hope Christine will forego this option that she is considering. She has worked hard to bring attention to these predators the best she could in the credit and insurance industries. She now feels that her efforts have been for nothing. In the November 1 post of Creditsuit she notes the GE (Lowes) Credit collectors tell her the suicide "taking days" as if it not happening soon enough when people reach such desperation that they contemplate and plan in taking their own life. She refers them to welcometomysuicide.org. Christine put out over $1,200.00 for thirty sets copies of pleadings required by the Iowa Supreme Court, ink cartrige's and other paper copy needs here so we could make our protest pleadings in hopes that they would not allow such utter fraud to stand. She agreed with me as we thought surely the Supreme Court of a state would not ignore such blatent, documented and admitted fraud. She and I were both in error for they did allow the lies of judge Christensen's ruling and did nothing about any of it. The Appeals Court simply ignored my pleadings even after all of the pleadings I'd made had been accepted by a Supreme Justice. We might never understand how one Supreme Court Justice can make a ruling and a lower court can just ignore that ruling. It goes to show how corrupt the Justice System of this country has become.

The spirit of greed throughout the credit industry has assisted in this economic fiasco through these great lies and the insurance industry has followed that train through mass deception. May all these who would perpetrate these lies to make gains to what they were not entitled to, feel that utter desperation of those who are willing to commit suicide have already experienced. When it happens to them I hope they begin to realize choose life, as the grave holds no hope for them.

The country is in and econ o my breakdown

2008-10-27T12:26:00.000-07:00

With e con o my operating the financial system we can all be grateful they have done such a great job. They have deregulated and monopolized themselves and everyone else into the crisis called "The Financial meltdown of 2008".

Bringing this country into a Depression Era crisis as the leaders of this country filled their own pockets, stood by and watch. I would like to bless each and everyone who had a hand in stripping the American citizen of this country with the same fate that Wells Fargo has blessed my husband and I.

The Lord says we are to bless our enemies so for you who would see to destroy my Lord's people I wish blessings of truth for you as you have very little in you.

For those willing to stand against the corruption of these worldly men who seek to destroy others for their own greedy gain I ask that the Lord bless you with health, wealth and spirit to battle the beasts of this world.

Spirit of Law?

2008-09-24T05:22:00.000-07:00

“Stan has played a key role in building Wells Fargo into one of the nation’s, and the world’s, most admired companies with a reputation for integrity and a respect not only for the letter of the law but spirit of the law,” said Chairman and CEO Dick Kovacevich. “On an industry level, he was very instrumental behind the scenes in helping break down Depression-era barriers among banking, brokerage and insurance industries to make the promise of one-stop shopping for financial services a reality for customers. He also helped influence national legislation that created interstate banking. We’re very fortunate to have a successor of Jim Strother’s experience and leadership skills ready to take the reins of this key corporate function.”
Breaking down of the "Depression era barriers" has led the country down the path to financial destruction as it is evidenced today in the News. The law meant nothing to Wells Fargo as they sent their hired gun (local law enforcement) out to pass out his "Have Gun Will Travel" cards and threaten people to release equipment that Wells Fargo had NO ENTITLEMENTS too! The Letter of the law meant nothing to Wells Fargo as they misguided my SBA loan funds in order to assist in breaking the mining operation. The letter of the law meant nothing to Wells Fargo as they created and altered documents in my SBA loan documents. With the current meltdown of the entire monetary system it is obvious Wells Fargo has their hands in the mix. How many fraudulent mortgage and business loans does it take to take down a countries financial system? Ask Wells Fargo to account for the mess they have helped create. Put the Wolves and Foxes in the Hen House and eventually there are no chickens left.

The events of today were foretold Predatorix.

Money laundering for the illicit funds that have been scooped off the backs of every American out there via loan fraud scams of these criminals.

James Richards, CAMS Executive Vice President and Corporate Bank Secrecy Act Compliance Officer, Wells Fargo & Co Richards is the author of "Transnational Criminal Organizations, Cybercrime, and Money Laundering" (CRC Press, 1998).
Secretary
Stephen D. Morrison
Vice President, Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.
Des Moines, IA
Morrison serves on the Mortgage Bankers Association of America Federal Legislative, State Legislative and Regulatory (Chairman 2001-2003), Regulatory Compliance (Chairman 1991-1993), Quality Control, Financial Institutions (Chairman 1997-1999), and Legal Issues Committees (Vice Chairman 1997, Chairman 1998). He also represents Wells Fargo Home Mortgage as a Director and Secretary of the Real Estate Services Providers Council (RESPRO) and as Chairman of the Board of the Electronic Financial Services Council (EFSC). From 1995 to 2000, Morrison was the Chairman of the Board of the Mortgage Electronic Registration System (MERS).
HomeServices Lending, LLC, a Wells Fargo affiliate is EWM's ...
Buffett says profit party's over for insurance industry........
Wells Fargo Announces Acquisition of Insurance Brokers of America...."We've grown to become one of America's largest brokerage companies by combining our national resources with great local agencies like Insurance Brokers of America," said Dave Zuercher, president and CEO of Wells Fargo Insurance Services. "We will continue to look for agency acquisitions that fit our operating philosophy and geography." Watch out my good friend they are moving in on you.
What you gonna do with a dog like that......
Help finding a local bank that is not operated by.......

If you are a victim please feel free to tell your story

2008-08-22T08:33:00.000-07:00

You are invited to publish your comments on what Wells Fargo did to you. Hopefully one day law enforcement will stop these theives.

sheratonhomesvictims said...: In 2006 Wells Fargo (Town East office in Mesquite Texas)loan officer John Jackson worked with Pat Kennedy of Sheraton Homes in Greenville Texas to coerce my husband and me into signing what I now know to be fradulent loan documents. John Jackson, Pat Kennedy, and her employee, Kerry Sheehan, conspired to steal the $150,000 loan proceeds rather than ordering the home the loan was to pay for. I have been fighting this case for almost 2 years. The police have the case but are doing nothing nor are the Texas Rangers. Despite the fact that I have the documents proving theft and fraud no one seems to care. Have gotten civil judgment against Kennedy and Sheehan but the civil suit against Wells Fargo is ongoing and no end is in sight. Law enforcement officials tell me if we can ever get to court the case will be a slam dunk as the criminal behavior and fraud are blatantly obvious in my considerable documentation. Meanwhile Wells Fargo has destroyed our previously perfect credit rating. We still have no house and have been financially devastated. Wells Fargo continues to cover up their crimes rather than doing the right thing by stepping forward telling the truth and fixing the situation.
Wells Fargo has to be the worst bank in the history of banking. Oh how I'd love to see a bunch of their employees and principals where they belong....in prison!!!

DITTO!! I agree there are many on the upper rungs that belong in jail.

Help for fraud victims of Wells fargo

2007-08-30T20:23:00.000-07:00

If you arrived at this site seeking help for the fraud committed by Wells Fargo I encourage you to make sure you if you are getting an attorney, get one that does not work for Wells Fargo first. Check their background. Be very careful in seeking help. Find every resource available. You can research federal laws at the Cornell Law website. Find out what your local state laws are. In our case Wells Fargo managed somehow to circumvent every state law I found even the Court Rules that claim when fraud is discovered by the court the court must take action in favor of the victim. I would hate to see this happen to another. Educate yourself if you can. The information is available on the Internet. In our case it was as an attorney stated to me a total "Scorched Earth policy." We suffered a massive burn and bury that included our original attorney Steve Wandro and law enforcement helping Wells Fargo. Hopefully this will not happen to you.

If Wells Fargo has not filed against you in court already you can file a complaint with the OCC/Office of the Comptroller of Currency, [note, this does not mean it will do you any good]. You can also file with the Federal Bureau of Investigation. You can file a copy of your missing money, shortchange accounts, and your other issues such as altered documents from Wells Fargo with your attorney generals office too, results will depend on the integrity of your particular state's attorney general office. You may want to consider having multiple copies made and send one to each office. There is no guarantee you will be able to recover what has been stolen but you can try and I hope you find an attorney and officials in your state that will help you. As many of the attorneys told me along the way, they have to make a living too. So they cannot afford to take on a large beast even when they would like too. Finding an attorney to actually help you may be very hard as most either work for the large corporate companies that have control over our political justice system and major politics in the country. You need to know that the majority of laws and judges are not conducive in helping prose defendants. Judges on a whole will not respect a crime victim as you seek justice if you have been majorly cheated or abused by the authorities and these large corporations. If you are expecting justice or reparations for losses from others actions please do not get your hopes up in many states and areas throughout the nation. That does not mean to give up, it just means don't expect justice because it may not to be there in the courts. Now days many courts are merely a place for highly paid attorneys and judges to twist the law to favor corporations and ignore abuses by authorities even when these abuses are clear and concise.

The OCC simply sent me back a letter from the banker that denied any wrong doing to the OCC. The documents prove otherwise but the OCC claimed they could do nothing about it because Wells Fargo already had me in court. They also would not help My husband even though he was not a party to the court action or on my corporate loan.

If you have elderly family members that have banked with a bank Wells Fargo has assumed or took over you may wish to review all of their records to insure they received proper credit and no overcharges. I would personally not trust wire transfers from any Wells Fargo to Wells Fargo banks or banks that are owned by Wells Fargo that have not had a name change.

Fraudulent practices are very hard to recover from. That does not mean give up or do not try to recover what has been taken from you++. Hopefully others will learn how to protect themselves better from what victims of Wells Fargo have already experienced.

Wells Fargo has had a free ride for a long time as they make deals to take public taxpayers funds and say they will put in buildings and give local jobs in favor of officials overlooking their illegitimate practices.

The best one can do is ask our political leaders in our states & Washington to protect the people they are representing for better controls to stop these type of predators because no one is safe from these wolves in sheep's clothing. We need legislation to help fraud victims recover their losses from the types of criminal activities that we have in common. Legislation that will immediatly stop illegal practices from continueing in the courts. This legislation needs to be retroactive and proactive. Corporate fraud should have no times limits. People such as those who suffered losses from Eron and those who have been cheated by banks should be able to recover at any time the fraudulent nature of these practices have been revealed.

Those with loans from Wells Fargo and those with their money in the care & trust of Wells Fargo both suffer from the things that you were searching for when you arrived at this site. Wells Fargo stole and assumed my identy and the Iowa courts here promoted, supported and allowed it to happen. Evidence and testimony of fraudulent activity was worse than ignored. Evidence and facts were twisted 360 degrees opposite of the actual evidenced facts of the case by the judge in his ruling. Then it was allowed to stand in the state Appeals Court and the state Supreme Court. I have only one very limited experience in federal court so I cannot personally comment on the federal court system.

A few states have started taking actions. Check with your state attorney generals office if you are a victim to see what is being done or if anything has been done to stop these predatory and illegal actions. Become informed even if you have not suffered great losses. If you can take action to protect yourself and your neighbors before it happens.

http://www.banknet360.com/news/NewsAbstract.do?na_id=5044

http://www.moneylaundering.com/ArticleDisplay.aspx?ID=3170

http://www.treasury.gov/inspector-general/audit-reports/2006/oig06034.pdf

"OCC’s examiners found numerous and recurring deficiencies in Wells’s BSA compliance program from 1999 through 2004. Among the deficiencies identified were weak internal controls over the program, inadequate independent testing of business lines, lack of BSA oversight, and failure to file suspicious activity reports (SAR) in accordance with regulations and program requirements."

Government Accountability

2007-08-27T12:11:00.000-07:00

I salute Senator Chuck Grassley for pursuing government accountability.

When mistakes are made own up and quit hiding behind authority of your positions who ever you are. Don't hide the truth and work to make a victim out of the whistle blowers.

FBI Whistleblower Jane Turner

Family operated businesses are at risk

2007-08-25T14:21:00.000-07:00

More people asking for help from our lawmakers on Capital Hill. Support reform for justice when courts abuse victims of fraud.

The blog "Fraud Upon The Court" relays messages all should be aware of.

Courts allowing and helping companies like Wells Fargo to abuse and traumatize victims after they have helped to destroy them financially is fraud upon the court. When Wells Fargo uses the law enforcement officials who are an arm of the court to steal private property it is fraud upon the court. Courts consider attorneys and law enforcement an extention of the arm of the court therefore as a citizen in court you have no rights if you do not have a legal degree and are not a member of the bar association. The ethical conduct standards for court administration and legal standards demonstrates a bias against any average citizen. This evidenced in written standards for ethical conduct.

In Iowa a person that borrowed money is automactically considered guilty of whatever charge is made by the bank. We were told it is an open and shut case because I had borrowed the money. This does not negate from the fact that the bank padded, doctored and solicites a borrower with a concept. Their proposals look very inviting but rememberthat the proposal have to be packaged with pretty paper and ribbons otherwise the borrowers would not participate.

When the bank decides they have bled you long enough regardless if the claim is inaccurate and untruthful that the bank makes against you the current system concurs with the bank. A bank or servicing company for this bank can and will in many cases even work to recieve your family members personal property. Your family members property and assets are not safe from these predators when they decide to go after you.

Fingers of Wells Fargo

2007-08-23T07:59:00.000-07:00

Rod got a new job in December. These guys called him and offered him $25.00 an hour. Gosh it sounded good at the time. Shame that their word was not valid nor are their accounting measures (they shorted one of his paychecks over $300.00 through creative accounting). Makes one wonder if they were trained by by the Wells crew. He never did get that promised $25.00 an hour to come to Des Moines to work for them. Ironically though he did get fired without cause. Wait though, at the same time his boss got a large job for guess who? Wells Fargo!

The shirt Rod put on was wrinkled this morning. I asked why his shirt was so wrinky looking? He said, "Well once you've been ate by Wells Fargo. This is what you look like when you come out the other end." Hmm, looking like a street person with no place to go. I suppose that was the original intent when they went after his equipment and insured the vandalism of our home.

Wells Fargo should rename themselves Wells Fraudo they are definitely an unethical corporation. Willing to destroy rich or poor to meet the Wells Fargo CEO's appetite of greed. They did not get that 666 Walnut Street address in Des Moines by chance. It fits them to a tee.

Victims of Wells Fargo

2007-08-23T07:43:00.000-07:00

How many are out there? They are countless because when one is victimize even if you do not realize it you are all victimized. By allowing predators such as Wells Fargo and those like them to exist society creates more victims than just those victimized at the time. One wheel rolling over the easy prey to begin with. As the wheel rolls over the victims the wheel grows gaining momentum and strength to find larger prey.

Great advertising by Wells Fargo photo snap of the Wells Fargo slogan captured by Predatorix. "Someday we'll foreclose on your home." With a lovely Picture of the Wells stagecoach and logo. Way to go Wells Fargo finally speaking a bit of truth about what you really like to do to people.

http://www.predatorix.com/wellsfargobillboard.htm

I personally would not want to, "Open a home equity account today". Wells Fargo works very hard at putting you into bankruptcy for they can steal more from you. Any attempts they can use to hide the truth. These people are damaging the entire world economy. You cannot create victims out of decent people and think it will not affect everyone in the longrun.

Commercial Alert

2007-06-03T06:51:00.000-07:00

Each day as we search for help. We find sites of people actually trying to make a difference in our world. I found this one today called commercial alert. http://www.commercialalert.com/

False 1099

2007-05-19T05:49:00.000-07:00

Have you ever been sent a false 1099? After a multitude of phone calls someone was able to answer my questions. Can a bank or a financial institution send out a mics 1099 expense after they have stolen from you and sold you out for pennies in order to take you out of business. They do and they can. It is a freedom of choice for financial institutions to send out erroneous tax statements and take these erroneous deductions. At over eighty thousand dollars each these erroneous 1099 deductions could be a great tax savings to banks and leasing companies that send them out to the financially deprived such as ourselves. That could add up pretty fast in tax deductions. I wonder how many erroneous 1099's were sent out to defunct businesses in just one year in the United States? Such creative accounting certain people do use to cheat other people. Or as the attorney for Wells Fargo stated at the Appeals Court hearing, "Standard Banking practices". Standard banking practices include altered documents, false filings, fund shortages, misreporting of available funds, theft of private property and then upon refusal to go along with them they can top it off with extortionate collection practices.

Contracts mean nothing to these people. Wells Fargo could care less if they signed a specific contract with you. A breach of contract for Wells fargo is as simple as having the money to pay off attorneys and whoever else along the way you need on your side. Law means nothing to bullies like Wells Fargo. If it did they would not have alter so many of my loan documents and asked SBA to pay for it after they took me out of business.

Obviously lieing to SBA does not bother Wells Fargo because they told SBA I was out of business when they knew it was a lie. They did that to get SBA to concur with them.
Wells Fargo partners in crime.
This is as bad as claiming "We want to be your partner" when you are operating a business that they want. Preplanning with altered documents on taking away from you as soon as possible.

Predatorix Studies

2007-01-03T20:21:00.000-08:00

A good study lesson on how and where the money in banks go around. A very well put together site.

In time I will continue updating this blog

2007-01-03T20:05:00.000-08:00

What transpired did not happen over night and involved many people. One comes to a point after years of asking for help in solving a crime that was committed against them of giving up. That is it. After years of asking why are you so greedy as to commit fraud in your attempt to steal what you were not rightfully entitled to. It appears you have won Wells Fargo. None the less you are still in my opinion the worst bank in the world.

Also by the way your big building in Des Moines, that arena, it is a joke and very junky. You get what you pay for and you definitely got it with that. :)

Replevin Argument To the Iowa Supreme Court

2006-11-02T05:49:00.000-08:00

This link provides the content of what was stricken by the Iowa courts. This link is in pdf format

Adams Statement of the case online

2006-11-02T05:40:00.000-08:00

Click this link to read the statement of the case

In Re: Wells Fargo vs Robex and Adams

2006-09-20T22:09:00.000-07:00

http://caselaw.lp.findlaw.com/scripts/getcase.pl?court=ia&navby=year&year=2006januaryiaapp

Judge Christensen struck Adams’ Resistance to Plaintiff’s Motion for Summary Judgment and awarded in favor of Wells Fargo. Judge Christensen in Fifth District Court ruled Adams resistance as being untimely in early 2003. To prevent the evidence Adams presented to the District Court from being entered into the court transcript that showed clear fraud by Wells Fargo, Judge Christensen found for Plaintiff by ruling Adams' Resistance to Plaintiff's Motion For Summary Judgment untimely. Adams cried out then, "Where Justice!" This ruling was over turned in a nunc pro tunc filed by Adams concerning a previous order from the another District Court judge that had given an order in favor of Adams for an extension of time that Adams had asked for in order to try and find an attorney.

Adams had spent weeks of phone calls to try to find an attorney and asking her own attorneys to help Adams gave up and used two weeks of time given by the court to file a resistance to Wells Fargo's request for summary judgment. At that point Adams had no idea that her attorney actually worked for Norwest/ Wells Fargo. Adams and her husband would not learn about this until 2005. Adams and her husband had to learn in a few short weeks how to make a filing of resistance to the request of summary judgment by Wells Fargo.

Unknown to Adams and her husband while Wells Fargo was pillaging and dragging Adams through the court. The county locally was transferring their house and property to their neighbors. They would not be aware of this until the Wells Fargo banker was telling his attorney "get her for fraud" at the end of the trial for the Replevin in October 2003. In the meantime what Wells Fargo and the sheriff did not already steal others help themselves to while Adams husband tried to keep her a safe distance from their home because she was still under continues threat by the local sheriff.

By 2006 when Adams was finally hoping for justice in the Supreme Court of Iowa for the illegal actions taken in the Replvin action. The Iowa Supreme Court bumped her back to the Iowa Court of Appeals. In her briefs Adams detailed each document that was submitting by the bank as evidence that was clearly and admittedly altered by "someone" in Wells Fargo according to the Wells Fargo banker in court. Judge Christensen ruled opposite of the testimony of even the bankers at the trial. Fully ignored the testimony the bankers gave of "Guessing" and "Guestimated". No viable proof was given to even that the payments were in arrears; the testimony of the banker claiming to have "guestimated" merely stated that the company was behind in payments. Wells Fargo did not provide records to show payments in arrears because they had shorted loan funds and did not credit payments properly. Adams detailed the deficiencies in the various amounts claimed owed by the Wells Fargo banker in all the filings Wells Fargo had created throughout the case. The amounts were clearly erroneous when compared with each statement given by the "Guesstimator" banker and each payment voucher the bank made up and submitted to the court.

If Wells Fargo had been compelled to prove their claim of default they would have had to show what they did to Adams corporate loan funds. The bank did not even have to show that the corporation was behind in payments only make statements by a banker that used "Questimating" to figure it out.

Even though the banker testimony was clear that even though he did not do it someone in Wells Fargo created and added the exhibit page to the UCC filing that only specifically claimed land Adams started the mine on. Nor could the banker tell the court exactly what corporation owed at any given time and exactly when a default occurred. Adams did not own the 399 acres that Wells Fargo was claiming on the UCC filing that was used to facilitate a cause of action. The bank used fraudulent documentation and false statements to the court and to SBA to concur and agree with their actions.

With the original UCC filing Wells Fargo took away the exhibit "A" they had provided Adams as to what was to be collateral for the loan, Adams and her husband's home the bank valued at $150,000.00. Judge Christensen claimed that false UCC filing was original as part of his final ruling. Ignored the testimony of the accurate ownership of the equipment that Wells Fargo had seized right down to the travel trailer Adams and her husband used (Wells Fargo sold the travel trailer at auction with no title) Wells Fargo had fired the original banker so he could not be found for that trial. He clearly states personal property was not a part of the corporate loan. He would not accept Rod's equipment for his wife's corporate loan for the mine.

Why would Wells Fargo wipe out Adams husband's landscaping business? Then keep Adams in court to run out the time limitations in Iowa state statutes?

In the final Order from the court of appeals however, by virtue of the omission of the word "properly" in the Supreme Court of Appeals the ruling was allowed to stand. Along with the facts of evidence and testimony showed the details that clear and concise erroneous bank created documents were supplied to the court by the bank. The appeals court struck these briefs that Adams wrote detailing the fraudulent actions of the bank. Adams had received an Order that stated all her briefs had been previously accepted by the Supreme Court. Alas the Supreme Court of Iowa denied justice by allowing Wells Fargo fraud to stand. As the attorney for Wells Fargo stated at the court of appeals, "Standard banking practices" of adding documents to a loan file and "Guessing", "Guestimating" and erroneous accounting measures. Accountability for wrongful actions denied.

In 2002, the initial attorney for Defendant Adams filed an incomplete Statement Of Robex. The original statement submitted to the District Court contains the following phrase, "no claim as an individual for any property "properly" included in this case". When Adams filed a Resistance she documented this and many discrepancies in the Plaintiff's voluminous filings. Adams Resistance was in fact filed timely and delivered in hand to Plaintiff's attorney and the Court. This attorney assured Adams Wells Fargo would have to provide accurate and proper documentation in order to take personal property. The initial judge instructed the attorney for the bank "Do not take anything you do not have make, model and serial number for". They did not! They took anything and everything they could using a hostile sheriff ("Have gun will travel") who just a few months before literally stole a dozer from Adams as their collector and enforcer for CitiCapital. It worked well for CitiCapital so Wells Fargo used the same tactics of using a hostile sheriff as a collection agency. The only difference is Wells Fargo skirted the law by getting a court order. Not that Wells Fargo abided in the courts instructions of "Do not take anything you do not have make, model and serial number for." Using the hostile sheriff with a court order without properly identification worked for Wells Fargo just like their made up papers in the loan were validatedeven though they were fakes. Make it look half good use threats and whatever works. Funny thing when you look at the history of the majority of executive/ceo's in Wells Fargo they worked for CitiCapital prior to taking charge of Wells Fargo. I cannot help but wonder if they were in cahoots with Citicapital in the dozer theft? That person who was my contact in CitiCapital was fired just the same as the original banker for Wells Fargo was fired.

The documents as posted at FindLaw do not reflect these and other discrepancies throughout the case. The reference to the case numbers were given to accentuate the fact that the Plaintiff seized Stubbs machinery and equipment without Stubbs being a party to the action. The court ruled in favor of Wells Fargo fully ignoring the phrase property "PROPERLY" that was in the initial filing in the body of their final decision. Striking Adams resistances and briefs that clearly outlined the fraud evidenced in court that the bank created was necessary for the court to preclude any charge of fraud against the Plaintiff. This measure proved successful. In the second case listed on Findlaw Adams was not a pro se defendant, either Find Law is in error or the information given to them is in error. Wells Fargo recieved a summary judgment award against Adams personally by Judge Christensen in the favor of Wells Fargo. The judge refused to allow a counterclaim or a trial for Adams could recieve justice and the fraud Wells Fargo committed could be dealt with and entered into court records. Justice was prohibited and major bank fraud committed by Wells Fargo against a small business owner and her husband was legalized by the courts of Iowa from October 2002 until January of 2006.

Wells Fargo has not had to answer for the misreported funds of the SBA loan, any of the false information that Wells Fargo gave to SBA, the misreported funds amounts or loan payments that Wells Fargo claimed was owing on the loan to the Iowa courts or any of the voluminous altered documents created by Wells Fargo in the loan account or the misreported funds that Wells Fargo reported to Adams and SBA. Wells Fargo can repeatedly lie, give false information to a borrower and SBA, the courts and get away with. Wells Fargo crushed a small business enterprise through deceptive illegal practices and stole my husband's business to insure my business could not survive.

In the 1970's and 1980's family farms were crushed to facilitate corporate farms. The Christensen family happens to own large corporate farms from Minnesota to Southern Iowa. For years now and today small family enterprises are crushed to make way for large corporations to control of federally funded projects such as road contracting and the federal farm subsidies available. It just so happens the Christensen family was also involved in the irregular property issues surrounding our land too. The proof is in the paperwork again. Property deeds made up from thin air or great great great grandchildren of property owners from ages ago signing quit claims deeds to create property transfers. At the county auditor's office and the recorders office penciling in owners and erasing actual property owners by county officials seems to work here in Southern Iowa. Then as in the case where the county had put Adams and her husband on land Adams parents owned, the tax assessor told the judge several times after the judge asked him, "Don't you use actual deeds to determine property ownership?" , "Give me a name judge I'll put it on there".

If one is not willing to partner or sign on with a large corporation or sign a waiver of rights when a major bank commits fraud upon you then you are subjected to court legalizing fraud such as the true record in this case proves.

Before Wells Fargo these were things faced daily

2006-09-20T11:25:00.000-07:00

FOLANDS, IDOT, HALLET MATERIALS and the land the mine was on.
In 1997 Adams signed a lease for twenty years with Folands to start and operate a mining operation for sand and gravel on Folands property after Ronald Foland asked her to start a sand and gravel operation on his property. The initial lease agree the mine would be started on the land in sections 4 and 9 that Foland owned. The property Foland’s owned that was contiguous was a bottom ground area of 199 acres in sections 5 and 8. Adams agreed she would mine the areas in sections 4 and 9 first. Folands and Adams mutually agreed in the lease if the need arise later Adams could mine the areas in sections 5 and 8. The mining operation would provide high-grade construction materials locally to the Southern Iowa region.

Unknown to Adams until after the fact an Iowa Department of Transportation employee in 1999 talked to Folands at their home convincing them to have the lease with Adams cancelled through legal action. Telling the Folands if they would do this they (meaning persons within the transportation department) would bring in a large company that would start paying the Folands right away.

Folands had Adams serve papers by the sheriff’s office of Decatur County notifying her that they were demanding $20,000.00 or the cancellation of the lease. Adams checked to see what her options legally were with a recommended attorney George Frampton. During the meeting with Mr. Frampton and one Sean Pelliter Mr. Frampton informed her he represented Martin Marietta. He asked her if there were any problems with Martin Marietta. She responded not that she knew of she had gone to George May who worked for Martin Marietta at the time before signing a lease with the Folands. George had provided her with a lease as a pattern so she could write a lease between the Folands and herself. She had asked George if Martin Marietta would be interested in opening a mine there before she started the mine. The MM geologist that viewed the material was rude and not interested in starting a mine in Southern Iowa claiming “there is no sand in Southern Iowa”. George told Adams she should start the operation. Telling her “Becky you can do this try, try, try, take it as far as you can”. Mr. Frampton reviewed the lease and told her it look familiar as he wrote the original from MM that she had been given to use as a pattern.
Mr. Frampton asked her “What do you want? Do you want the farm?” She told him, “No I just want to do what I said I would do start a sand and gravel mine.” He said, “That’s all. You sure you don’t want the farm?” She replied, “No”. He told her in that case she should just get a hold of Lee Elson. Explaining to her she really need not need to spend the money it would take to hire him. He said “Elson can take care of this for you.” He also recommended that she call a friend of his Dick Sargent. Saying he can help you I think. She wrote down the name and phone number of his friend Dick Sargent.

Lee Elson filed the papers needed to address the situation with Folands and told Adams to just continue forward. This case would be settled the day of court outside of the courtroom in August 2000. Folands offered to sell the land to Adams. Adams told Foland she did not have the money so Foland gave her a purchase option good for one year from the date it was signed. If the option was not exercised the twenty year lease would still remain in effect from the starting date of the actual mining as the lease required. The start date for mining was agreed to be July 2000.

Several weeks after the agreement with the Folands on the land purchase option was made the main electrician for Hallet materials came to Adams/Stubbs house requesting landscaping services. He told Adams he was Hallet Materials main electrician. Explaining Hallets Materials was opening a huge sand and gravel mine down here. He said, “I am going to retire right here. I just built a new house right up the street at the edge of town.” Adams stood there listening to the man and said really! “Yup” the man stated, “They are dealing with some old woman and an older woman”. Adams considered the phrase “Old woman and older woman”. That could only be Doris Foland and Sandy Foland, Ronnie Foland’s mother and wife. He looked at Adams and she told him, “I did not know anyone else besides myself who owned a sand and gravel mine down here.” The conversation went back to the work the man wanted performed at his new house. Adams agreed to perform the work if her husband approved it for the electrician fixing a generator that her husband and her had bought. The man never completed the work he claim he would do for the landscaping work Adams performed with her husband’s tractor at his house.

Two major Hallet people had contacted Adams in 1997 asking her if should would get a DBE and let them be her partners. She asked, “What is a DBE?” they explain it was for disadvantage business enterprises and further explained to Adams that they wanted control of the multimillion dollar road contracts. They told Adams they would give her 20 percent over ride on the contracts they bid using her name. She told them she had been a contractor for 13 years in Idaho with DOT and never had to do that. She could not picture herself doing it now but write it all down and mail it to her. She would consider it.

In 1998 the big Komatsu dozer was sabotaged and the engine was destroyed. Before the spring season started in 1999 the engine of the dozer would have to be fixed. Running short of money after two years of getting the land ready to mine Adams elected to sell at discount a mortgage they held on a house that they had sold in Idaho in 1995.

In December 2001 the land purchase option was about to run out. Adams parents had just sold a property in Idaho. Adams asked them to buy the mine property. At least she would have some protection from the hostilities of people trying take over the mine like the DOT and Hallet Materials or any others that would illegally try to take over the mine. (NO! I can no longer think of mining at the place we dedicated our life savings and years at preparing to mine. My parents sold the land. They were afraid since the county had taken our house and transferred, refused to take my husband's name and my name off the county ownership records that Wells Fargo would steal their life savings also. So no land, no home in Idaho anymore. Rod's equipment is gone, we have not had water in this place since the Wells Fargo and sheriff raid. The pipes froze up throughout after the sheriff encouraged the propane man to take our propane and the tank. Yes the propane was paid for. It takes money to fix things when others break them. That is Life in Iowa!)

"What's your price?"

2006-09-18T06:53:00.000-07:00

http://freedom-of-speech-infringed.blopspot.com/

This link contains "Whats Your Price?"

Do you have a price or has your price already been paid. We each have choices in life. I choose to follow what I know is right and good. Evil can overtake us to quickly if we let it. I refuse to be a part of a corrupt corporate fleecing of the federal funds if I can help it. freedom of speech tells of one incident that happened since I started the mine in 1997.

Please forgive my inability to get the whole story online at once as I write these events down. It has taken the first month just to keep these pages alive and not be just more dead space in Cyberland. I am not a writer so have patience in you can. These things took a few years to transpire and the last three years has been spent trying to defend ourselves and survive while being in the Wells Fargo "Gourmet Grinder".

Iowa Supreme Court Case No.

2006-09-17T06:17:00.000-07:00

A replevin in Iowa means you can take whatever you want from someone regard of of who owns it. Make up papers and make a claim it worked for my banker. It does not matter if they were papers you had no clue were added to your loan or even if you have full proof and documentation showing the bank made the papers up. Iowa Supreme Court case 04-0292

If the bank asks for summary judgment a year after they stripped you and your family, which made it impossible for you to pay payments. They will get summary judgment, no trial nothing. You will not get an oppurtunity to even be heard in court. Iowa Supreme Court case 04-0292

It is just as a recent poster said on Greggman's postings, "They own politicians, judges and all sorts of other influential people that keep their a** off the chopping block". I do believe this to be true. Personally I would not want to be own by such persons.

Thank you eBlogger

2006-09-15T23:37:00.000-07:00

I'm working!

freedom-of-speech-infringed

2006-09-07T19:47:00.000-07:00

freedom-of-speech-infringed

Another EBlog while this one was resting.

Where do and how do you learn how to deal with corruption?

2006-09-06T06:48:00.000-07:00

This is a major undertaking if you are serious. Then again average people see it daily. Some go along with things "because that is the way it is." Or so they think. I can relate to that thought process though. After all who in their right mind would expect justice after four years had past. Me, I would. Gee there are thousands out there that are just like me. They beleive America is still a free country. Most generally we just do not get to hear from because "We the people" have been silence into oblivion. They must be like what I was called by one fellow, "A terrorist".

So with the last election results we possibly can expect Walmart to feel the crunch of the persons claiming to simply care about those poor unhappy workers. Not that I see too many sad people working at Walmart when I shop there. I did not hear anything about saving the truly small businesses much in the last election. Small family enterprises are now past into history and the large corporates can do whatever they wish to us and succeed at it.(lawful or not the courts will make it all okay. Just make a ruling twist it to fit, ignore facts, documents and testimony.)

To the poor soul who wished we would just shoot ourselves on the "WELLS FARGO WORST BANK IN THE WORLD!!!" forum. Not today I have things to do and a dog to feed.

Predatorix, Another great site showing what Wells Fargo is capable of

2006-09-04T14:13:00.000-07:00

This site has cases, letters, stories and news reports.

If the link does not work properly use a Google search for Predatorix. I like the picture of the sheep on the site Wells Fargo one of the wolves in sheeps clothing.

The site is well worth veiwing to learn how and what is happening throughout the nation.

I used to be a partner, what happened?

2006-09-04T14:01:00.000-07:00

I saw an ad that said this after a banker told a poster with a shorted checking account that Wells Fargo was providing it's customers "Luxuries" in it's services.

" At Wells Fargo, our customers are also our partners! "

" We are continuously enhancing our program offering based on our partners' feedback. "

https://illnet.wellsfargo.com/ildocs/funding/productinformation.htm

I missed something in the "Luxury" of being one of Wells Fargo's partners. Where did I go wrong?
I remember asking the banker from the loan support team what happened to Wells being my partner. He gruffly said with a snarl, "We're not your partner." I never understood why someone would say it if you really didn't mean it.

AG Edwards, Wells Fargo join for venture - Kansas.com

2006-09-04T13:50:00.000-07:00

I just found this online in the news:

"A.G. Edwards & Sons Inc. and Wells Fargo Home Mortgage, both of which have a large Wichita presence, plan to launch a joint venture to originate, process and fund mortgage loans for A.G. Edwards' clients.

Terms of the joint venture, called A.G. Edwards Mortgage LLC, were not disclosed.

Wells Fargo spokeswoman Debora Blume said the deal will have no impact on the company's Wichita mortgage offices. The joint venture will be operated out of Minneapolis, she said."

This is very sad to here for me as I have had an account with AG Edwards for years. It was the best place to keep your savings I had ever found.

Become an informed consumer

2006-09-04T08:43:00.000-07:00

http://www.occ.treas.gov/toolkit/query.aspx

http://www.occ.treas.gov/EnforcementActions/EnforcementActions.aspx

http://www.occ.treas.gov/

These are helpful links if you can get to the OCC before Wells Fargo or any other bad bank gets you into court. Once a bank has you in court the people at OCC in 2004 told me they can do nothing. No matter how much fraud is involved. There is no guarantee you will get help when you write them. They depend on the bank to respond honestly and with accurate information. This does not mean the bank will and no further action will be taken. If you write a complaint be accurate, concise and provide all the pertaining information you can.
In my case Wells Fargo simply wrote a letter back to OCC saying no such thing transpired. Which of course was BS. Yet no one would do a thing to intervene and the courts in Iowa would not allow a court case against Wells Fargo to get to first base. The filing was tossed out by Christensen and justice was fully denied. Remember on a whole bankers regulate bankers. Just as lawyer regulate lawyers. Very few are decent enough to buck the flow.

One site for checking into the back ground of satisfied or unsatisfied customers of Wells Fargo.

http://www.my3cents.com/search.cgi?criteria=Wells+Fargo&usearch=X

Wells Fargo Bank: The Worst Bank in the World!!!

2006-09-04T05:16:00.000-07:00

This site takes some time to load if you have dial up. It has more than a thousand posts concerning dissatisfied and disgruntled Wells Fargo customers who have taken the time to express their points of view. Mind you, some of the language contained in some of the posts is not for viewers of all ages or those with delicate eyes. For those of you that are sensitive in nature, do not visit this site. Portions of this site may contain abusive language. Not only from the customer who took their time to post but also abusive language from the professional bankers and tellers who have responded.

Please consider that many people do not understand how a bank can take from one account and place into another, then charge that person for the bank's mistakes. How would you feel if you had been mugged by a well dressed, professional looking person and was then charged numerous fees for the mugger's actions? Some of the people who these things have happened to are not educated in the same manner as a professional banker. It is not a particularly 'level' playing field. Nevertheless, the bankers have accepted the money from the 'lessers' along with the 'morers'. No one is above the other here. It's just that some are better at expressing their concerns. Therefore, with that being said, keep in mind that many of these people that have posted on this site and its reference have been cheated or damaged by professionals. You will find that the strength of their opinions is in a manner consistent with what has happened to them.

http://www.greggman.com/pages/wellsfargo.htm

Iowa is full of poverty

2006-09-02T14:16:00.000-07:00

Each day when we came here to Iowa I would meet people that appeared to have poverty mindsets. Over ten years later and many trials and tribulations I can somewhat understand how they arrived at those mindsets. Then again I look back to dear people we have met along the way who touched our hearts forever. Those wonderful type persons who are unforgettable. These may not be the same ones others would see as we have. For instance a dear young attorney who will always be in my heart.

On the day we met him he had been trampled to the soul by the local politics and life in general. He had spent years going to college to get that law degree to be trampled by life on earth and local politics. A true hometown type guy if you ever met one. His license had been pulled for some infraction. He was good at his profession and he had a heart as big as he was. We had all became immediate friends. It was as if we had always been friends. He was one of those people that you just met but it was as if you have always known each other. None of us would know how short that special friendship would be here on earth. In a few short days he was gone. Found hung at his mothers place. It would take years to link back to those days in our minds what happened. There where he was found was no means by which a person could have ended up dangling by a rope all by their lonesome. No chairs, boxes or tables that he could have climbed up on to dive off of with that rope around his neck. Nothing! Regardless of all the odd circumstances surrounding the conditions in which he was found no one was investigating the matter. The report simply claimed suicide was the cause of death.

It was hard to conceive yet we had only known him a very short time. I rarely attend funerals but I did that one. At the request of his wife we were there. We listened to the comments of those close to our new friend and those things could stick for years. Yet the pieces did not fit. The shock of such a dearly loved person was to difficult for those who loved him to take.

I listened as his family told us their most major concerns. They did not believe he was saved. I asked them "How could you know that?" They shared what was on their hearts. So I shared with them the long conversation that he and I had a few days before this had happened. Only God knows the heart of a man and sometimes He shares these special moments to let us know what He sees. I was privileged to see the heart of our new dear friend before tragedy took his young life away. He had great hope and was such a huble man. Then I was able to share that with his broken hearted family. None of that though explained what really and truly happened to him that awful night his life was taken away.

He was researching property in the local area. We would not understand what had peeked his interest so much in our place until the last couple of years. That first day at our place he stood there at the North end of the property and stated, "So this is Teeter's place" as he looked intently at the area of valley we lived in. It would be years before we would actually know why he looked at the place with such a wondering look on his face. It was like he knew something about the place we didn't as a pleased look came over his face. At the time we simply assumed it was because of the junkyard that was once there. Having no real clue to what had been happening in the place for years or the history behind the place we lived. I cannot say if our new friend knew about the forever patent 911 on the land. I would imagine by the room at his house that stacked to the ceiling with boxes of documents that he had collected with the property research files of Decatur County that I had seen in his house. In looking back I think he knew about the land and the patent. We would find in our own search for what transpired that our friend had been hanging around with certain people that seemingly were involved in some of these funky land transfers. Today it is more understandable what may have happened to him that night. One of his friends at the funeral told us, "I don't know why he stayed there. He didn't belong there". I have to agree. Our friend was to good for this world and they did not deserve him.

The next day we were all going to meet first thing in the morning. We had tried to convince our new friend to stay the night and wait to go so far that late at night. He insisted he had been waiting for years to meet this person that had agreed to meet him that night. The next morning it was to late for our friend. He did not show up. Instead his wife came to tell us what had happened to him. They had been having problems and he had not been staying at her house. So the general idea that was spread was that is why he hung himself. We knew it was not so yet powerless to make a difference. His family was asking for the matter to be fully investigated yet their cries went unheard. Why? I have asked myself the same question yet know I have a better understanding of why. It would not seem that anyone could live in such a place as this but these things happen daily in the world. Sometimes it seems as small voices go unheard in the wilderness. Yet I know the One that hears the voice of the poor and their cries are definitely heard even if the world ignores them and treats them as a scourge rather than the precious jewels they are. I hold onto hope and the knowledge God is still in control and He is the creator of justice regardless of those who may think they have gotten away with their crimes.

The murderous souls that have no regard for those special hearts have no place to hide as the King of Kings creates true justice. Money can not buy everything. Not everything is for sale. Riches of the world cannot save the soul.

Fraud, Missing Funds, Wells Fargo Sux

2006-09-02T09:22:00.000-07:00

There was a site called Wells Fargo Sux. It has disappeared into cyber space in the last few years. Along with other sites where people could voice their frustrations without going "postal". A vent if you will for those people that had experiences with Wells Fargo.

Of all theses sites I found several years ago few have survived. The problems Wells Fargo causes unsuspecting customers continues. From all I read and see on the internet the problem is getting worse.

People have every right to read public records and to be able to make informed decisions. One of the ways to form an opinion is to be able to communicate with others who have experience in the subject matter with which they are considering an action, decision, or a business transaction. If there is no avenue to make information available to those who seek it we have a very, very serious problem.

Do you let Wells Fargo into your computer so you can play their virtual games?
Is your personal information safe with Wells Fargo? They seem to lose a lot of computers with customer information in them.

http://hightechmagazine.com/SearchMagazine.asp

Going Broke America Style

2006-09-02T05:43:00.000-07:00

Buy high sell for little to nothing. Then start over after you have been financially stripped. As you look around it seems like there is a push to borrow, borrow. So many how to increase your credit score and build your credit pieces of advice out there in lala land. Borrow yourself into oblivion for something new or even worse a vacation trip to Disney Land. Our mailbox used to be full of 0% percent credit cards encouraging us to buy now interest free for up to six months. Then in fine print all the little ifs were printed. I wonder how many people actually read all that fine print?

When life went to credit hell around us I would get these nasty people calling for me at my parents. We went there to my parents to rest for a reprieve after the sheriff threatening to arrest me for filing a complaint about a break-in at the mine site and all. Then Wells Fargo empowering the sheriff in charge of collecting for them with full graces of the court of course. (Silly me when the dozer was stolen I had no clue it was the sheriff who helped break-in over there). I tell people the whole story about what happened and the majority tells me he should be in jail. Only in Iowa can an eighty thousand dollar dozer be stolen with no consequences of legal action following the theft. It was obvious what the sheriff would do with empowerment by the court to plunder, pillage and rob me. He did more than even I thought he would. He refused to have my representative present while he raided our house and shop and the mine site. “Have gun will travel” squarely printed on his business cards as he went around bullying people to give him Rod’s equipment.

Back to the credit collectors for one credit card I had. I tell this goon why I cannot pay the obligation. I tried fully explaining as much as possible and politely as I can about our penniless down and out circumstances in short. The guy was rude and as obnoxious as I can ever remember any collector being. He told me in probably twenty ways I was a loser, committing fraud according to the law in the State of New Jersey and a deadbeat. Then after all his rude and crappy comments about what a sleazy person I was. He says to me, "If you don't pay this you are going to be in really bad trouble!" It hit my funny bone. After all I had been threatened for arrest for simply trying to report a major theft. An out of control sheriff back in Iowa raiding our home and making sure we were stripped of anything of value and nobody doing a thing to stop him Threaten by the Wells Fargo banker for refusing to give my signature on a release. We done gone through the nightmare of people vandalizing our equipment trying to survive it all for four years. Shot at by my neighbors, on and on.... Some little creep from New Jersey on the phone thinks he can intimidate me. After mjorly attempting to tell me what a low life I was he was telling me "Your going to be in really, really bad trouble.." He made me laugh. Then it came out of my mouth without thinking "Ewww, you gonna take away my birthday." With nothing left what more could he do to me. The guy sounded like a punk and a thug over the phone. In my mind there was a clear mental picture of him. Surely you can imagine and he was from New Jersey. He started screaming and I hung up the phone and laughed at his ignorance. Then wondered to myself why in the world would anyone hire such a punk to call on people.

Famous quotes: Or things I have heard

2006-08-31T21:07:00.000-07:00

Certain words and phrases always seem to catch our attention in life when we have heard things over the years. People we meet along the way help our hearts determine what we like and dislike.

When one looks back to reflect on some things we can usually laugh. Like a US senator I met once. He was an old southern type gentleman. Mind you I just use the phrase gentleman to describe him. That is a phrase which many people can relate to it is not because that is what I think a gentleman should actually be. I am a pretty naive person on many things. Many would call me slow. It is okay I just don't think like other people do on a lot of things. Or well until something negative happens. I think that is how most generally people are when cheated or bashed we get extremely defensive.

Well this old senator had been a senator for seventeen years. He was from the Midwest and at the time it was my first trip East of the Missouri River or even East of Montana or Colorado. The man was asking me about the politics where we lived. I told him I really did not pay a whole lot of attention to politics. "Okay" he said, "Well what's the hottest political race you know of. Surely there must be some political news." I thought for a moment and said, "Well I suppose it's the sheriff's race". He asked me why. "Well" I responded, "They say he is a crook but he has always been good to me. So I don't know of anything bad he has done". He said, "Awe Honey, why you can't be a sheriff without being crooked. I know I was a sheriff here for seventeen years."

I pondered that for a moment and thought to myself. "Well if he was a sheriff and crooked he is probably a crooked US senator."

So between that experience and a few others along the way I am very cautious about which party I vote for. Yet then again. I had another former state representative tell me once, "There ain't no money in politics anymore. They have made it to hard to make any real money." From all the recent news on politicians getting popped for illegal activities and taking money for favors. I don't really think that is true.

Then again so many people have become complacent in accepting that is the way to do business. Either pay someone off for protection, make a deal to partner with a large corporation or get wiped out. This is truly a said state of affairs for "We the people", are ruled over by big money operations. We the people are no longer safe to operate a small privately owned legitamite businesses. Even in rural America.

Attorney Ethics

2006-08-31T07:45:00.000-07:00

In my experiences over the years finding a decent attorney is near impossible. Attorneys have these nasty little tricks they use. Most decent attorneys I have known do not stay in private practice they go into Fields where they believed they could make a difference. Many courts justify hearing only portions of the truth because of course the judges are also attorneys. Well in Iowa anyhow that seems the way it is and has gone.

We filed an ethics complaint over fifty pages and all. Gave all the specifics and details as much as possible. Could you imagine trying to get down what transpired in years into fifty pages. Lawyers are supposed to be bound by Ethical Conduct Codes. Like lying to a client is forbidden. They are suppose to protect a client not help create losses (like ours did)when he failed to show up to hearing.

Judges treat you like you are a disgusting human being when an attorney does not show up with you in court. Not that it is your fault you can not get an attorney. Once you have been financially stripped you cannot hire an attorney. Shoot even before you were financially stripped the banks, insurance companies and larger corporations already gobbled up all the attorneys. An ethical attorney will tell you when they have a conflict of interest and will refuse to represent you. Non ethical attorneys will take all your information and then maybe tell you they cannot represent you or help you. Many attorneys for the corporations could care less if you refuse to let them make false claims against you. Why would they, they get their paycheck regardless.

Even if your name does not appear anywhere on a loan. Do not consider yourself safe from attorney or court abuses. John Deeres attorney made a filing at the local courthouse against me for a loan my husband took out. My name was not on his loan. Nor did I give any authorization for John Deere to use my credit in any many to facilitate his loan. His tractor was fully paid off and John Deere's attorney filed suit against me at the county courthouse here. On the other hand my husband was not on a corporate loan to me. Yet Wells Fargo cleaned his clock along with mine. No he did not give his authorization on my corporate loan. The fact of the matter is Wells Fargo required a full and complete separate entity called a corporation to separate all of our personal assets from those of the business. Their claim was to make sure all that equipment that would be used for processing at the mine would be separate from my husband's landscaping and roadbuilding equipment. That sure did not make a difference to the courts here in Iowa. It was not the case when Wells Fargo decided they would make there move on taking the minesite either.

Attorneys are supposed to not have any conflicts of interest. That means they can not represent one client against the other client they have. Personally I would consider if one company bought another companies name. Then that company is one and the same with each other. Like Norwest is now called Wells Fargo. My attorney Steve Wandro he worked for the big boys of Norwest that bought the Wells Fargo name. He forgot to tell me that when Wells Fargo was getting ready to clean my clock. Well of course also clean my husbands clock. He also failed to warn me he was going to help Wells Fargo wipe us totally free of anything of value so we could not support ourselves.

I will try to attach a copy of our ethics complaint on here so you can read it. Also the response that the Iowa Supreme Court gave to this complaint.

The attorneys are supposed to show up for court when they tell you they will also. Wandro claimed he forgot in my case and well that created a very large judgment against my company. Plus added to validity of creating a hostile environment for the local seizures by Wells Fargo and of course well whoever thought they might want something we had. Everything from dishes out of my cupboard to the Turkey we had in the freezer for our Thanksgiving dinner, a down comforter, Christmas lights, fishing poles, tools, tires, camping gear, weed whackers you name it. It all disappeared. Shoot even the flower arrangements were stolen off my walls. I never have been fully able to list everything taken when our house was raided. It just brings tears to my eyes and makes my stomach turn. Such as now so that is all for this morning.

Oh and don't ask where was the law enforcement because they were helping do the raiding. That is all laid out in the complaint if I can get it on line later.

I cannot get the ethics complaint transferred from an older computer. It is this simple. My attorney Steve Wandro worked for Norwest which is Wells Fargo. He failed to advise me he was working for the Norwest or Wells Fargo. Steve Wandro did insist to us that that Wells Fargo had the right to take personal property that my husband owned on the corporate loan to Robex Inc. In 2000 Robex of Iowa was a newly formed corporation solely owned by me alone at the request of Wells Fargo. Wells Fargo claimed it was to separate personal assets. In this replevin action against Robex Inc. My husband and I were both thoroughly cleaned out by Wells Fargo when they used the local hostile sheriff as their collector and bank created documents that I did not authorize. It was clear "Identity theft" by Wells Fargo both corporately and privately. Did we believe this lawyer when he said Wells Fargo had a legal right to take what Rod owned? Of course we did we are not lawyers or bankers. My husband was more concerned with my safety at that point over the threats made by law enforcement that was supposed to protect the law not break it.

Wells Fargo assumed our identity against our will, made clearly erroneous statements and documents. The courts in Iowa approved of this.

When Steve Wandro told us "The bank will get what they want" he failed to add in that statement, "I am going to insure that they do".

Ethical Conduct

2006-08-31T07:17:00.000-07:00

If a bank ever sends you a document blank do not sign it. Even if they say it is for keeping track of the large expenditures in their records. It is against the law. That against the law does not mean the law will do anything about misconduct or abuse by the bank. Because a bank can do anything they want. Why? because they have the money to hire attorneys and pay off attorneys of anyone else for that matter.If the bank ever takes you to court they have multiplied your signature on these documents with whatever information they wanted to put on the paper.

A blank document with nothing but a signature on it that is added to is considered counterfeiting when the other party adds to that document. Also any document that has been added to with another document attachment is counterfeiting. This falls under that "standard banking practices" the attorney for the bank mentioned to the Iowa Court of Appeals. Since banks are normally practicing these procedures and the courts allow these altered documents by the banks you have no chance at true justice.

I understand very well that you can't fight what you can't see.

Ask the banker when he offers you a loan on Blue Sky run. "Like how can you loan money on Blue Sky?" If the banker tells you that is what SBA loans are for helping to build the American Dream and gives you all the technical jargon of how it works run as fast as you can.

Never trust a wire transfer from a relatives account to yours. Even if the loan underwriter is handling it.

Target, Norwest aka Wells Fargo & Hartford

2006-08-30T16:45:00.000-07:00

Cisco, Target, Norwest aka Wells Fargo, a large portion of Hartford and Cargill are related plus many investment firms in charge of peoples retirement funds. Richard or I have heard Dick Kovacevich is involved in each of these companies and others.

These are post on another website for credit and collections Christine was a blessing when it came time to make the filing at the Supreme Court in Iowa. She paid approximately $1,200.00 for the required copies of one filing. Here site is "Credit Court" and "Fight Back!!!" for those who need help in credit land. Many people have post there with credit experiences.

Great posts. Christine thank you very much for creating these post sites. Insurance companies and banks are partners. Wells Fargo/Norwest owns a ton of insurance companies and is gobbling up more by the day. Hartford sold a large portion to Wells just last fall. We are in a very large suit with Wells Fargo. I might consider some things coincidence but after awhile there are just to many of these coincidences. One of Hartford’s insured caused a wreck in which my husband’s pickup was totaled. Plus he was hurt very bad. I had a half a million-dollar SBA loan with Wells Fargo. Imagine this accident happening just a few short months after this loan was in place. Unknown to me at the time Wells Fargo had filed fraudulent documents on the loan. Well the first large machine the loan had paid for arrived from the factory new non-working. Then husbands accident. I was hoping Hartford would just pay for the damage to the truck. Tools and equipment and husbands doctor bills. I explained to the Hartford rep my terrible situation and what his insured had cost us. He seemed very apologetic. Like I say seemed. His insured was hunting illegally, blocking the road just on the other side of a hill. The guy was ticketed with two citations. Seems pretty cut and dry and the insurance guy said it was. Well at first. He wanted to know who had my business loan? Silly me I told him. That was a mistake. After the man got all my information they refused the claim. The original insurance guy disappeared somewhere in the Hartford system and I ended up talking to someone else. It took five years to get to court.In the interim. Wells Fargo had already committed fraud and counterfeited documents unknown to me until two years later. Wells Fargo shorted my loan funds in a scam. Trusting soul I am I believe their request for blank signed documents were honorable. I also believed the bank really and truly intended to help me get my business started. I also believed SBA would make sure they did everything within the law and correctly. So much for all these beliefs.Wells Fargo had filed on land illegally and without my knowledge with one of their counterfeit documents. They stole everything my husband and I owned. Even though they required me to create a corporation exclusively to separate any personal equipment and assets. The federal law says the bank cannot use our personal assets (plus others assets or property) and take them like they did. The local state court says different.We have been tromped on in state court for over three years now by Wells Fargo, Hartford help create the situation in their denial to pay what they obligated to pay.I have been threatened with arrest for going in to the local sheriff's office to report break-ins. Then later the sheriff locally was instructed by the banks attorney to steal equipment that others had loaned me (by the way I am being sued for the loaned equipment too). We are not talking cheap stuff this all ranges in the millions of dollars in losses. Up and running the mine I started is capable at a limited capacity of producing over $8,000.00 in a single days work.My husband and I had good credit and everything we owned paid for. Houses, property, equipment and anything else one might have obtain over twenty plus years of working for yourselves. Wells claimed we were worth 1.7 million. They forgot to tell my husband or I they were using his net worth in my corporate loan. We had never borrowed money prior to this SBA loan Wells Fargo said they were going to support. Wells Fargo did not give out what they claimed they were going to loan they still had credit in my business loan account on the books (they told me the funds were completely gone). They also reported and shorted my funds early in the loan. Claiming the funds dispersed when they were not. Computer generated documents from the bank court evidence clearly show the bank shorted my funds. With the documents they counterfeited that were hand written by the bankers they claimed my funds were totally dispersed. Plus the bank underwriter admitted the bank created these documents and the judge claimed I signed them in his summary. The other banker in court testified he did not know how much money was owed (with all the phony records even their own accountant could not reconcile the account) Even after the banker and I both testified these were blank documents when I signed them the court awarded in the banks favor based on admitted counterfeit documents.The bank had went after us when I refused to sign a waiver that I would not sue them. I figured if they were asking for such a thing they must have done something wrong. My heart was telling me the truth we found all the fraud after they started court proceedings.We are in Supreme Court in Iowa. My health has suffered. Surgery last week to remove tumors that had my voice barely audible. I have my voice back and am healing. I have asked for help from every agency I could think of. SBA finally came off my file last summer after the bank got its way in court. In my file I found even more bank lies.The office of the comptroller of currency claims after the bank has you in court there in nothing they can do. The banks and insurance companies have to get cleaned up. They are destroying the Spirit of our great country!CORRUPTED BANKS AND INSURANCE COMPANIES go hand in hand and own each other. These need to be stopped.Thank you for your site Joe and your efforts. Rebecca Sue

Christine Mar 20 2005, 02:52 PM Post #2
MemberGroup: AdminPosts: 1,795Joined: 4-May 04From: The high desert Member No.: 1 Rebecca, I moved your posting to a new topic, it's way too important.It would be a miracle if your health did NOT suffer. I know that's what happens, I've seen too many people go through this and that's why I don't have much encouragement for readers asking for help as here:http://creditsuit.org/credit.php/blog/comm...please_help_us/I certainly admire you and your attorney for taking this to the Iowa Supreme Court!" Even after the banker and I both testified these were blank documents when I signed them the court awarded in the banks favor based on admitted counterfeit documents."THAT is the heart of the problem - too many judges ALWAYS rule for the banks and they IGNORE the bank's perjury and fabrication of documents.I'm sure you've seen Lynette's case at http://creditcourt.com/lynette/index.shtml -- I spent hundreds of hours to get all the DOCUMENTATION of the Wells Fargo fraud on the web. Wells Fargo has not sued me for my headline:"Wells Fargo and the Buckley Firm conspiring to fraudulently foreclose on Lynette's home."Obviously, they know that I have proof to substantiate my allegations. And I think the Buckley Firm either contacted me or Lynette to have me remove, but I ignored them.Despite the fully documented fraud, Lynette couldn't find an attorney to take her case on contingency.I don't know how your lawyer feels about that, but I sure would like to see some of the court filings, and especially the judge's ruling.

Alan Apr 11 2005, 05:05 PM Post #3
MemberGroup: MembersPosts: 9Joined: 11-April 05Member No.: 395 We are suing Wells Fargo for seven figures. The lawyers are corrupt-we are pro se. I will be happy to advise all of lending laws. Be reminded that in most cases per payment penalties are not allowed. In Massachusetts they are illegal in all cases. If you are in default, you cannot be charged acceleration fees, or interest, according to the 1st District Court-April 2004. Lets get active and take these people to Court. Work and study and be your own counsel. Hey to a lawyer your a one-time client-they need the banks to stay in business. Shall I keep people posted and, what can I do to help? Alan

Christine Apr 12 2005, 01:02 PM Post #4
MemberGroup: AdminPosts: 1,795Joined: 4-May 04From: The high desertMember No.: 1 Oops, I accidentally deleted my own posting instead of your duplicate. I moved your posting with the info on your case to a new topic.

Christine Jun 16 2005, 01:09 PM Post #5
MemberGroup: AdminPosts: 1,795Joined: 4-May 04From: The high desertMember No.: 1 A quick update:I paid about $1,200 for copies for the Iowa Supreme Court and printer ink and I have one set of copies for scanning and posting, over 8 pounds of paper.I started to post the filings, but I'm extremely busy right now with all kinds of problems and court filing deadlines in my own litigation. It takes a ton of time to scan, read, summarize and post the documents.Maybe next week after I'm done with some of my own filings ...

warweary Today, 03:14 PM Post #6
MemberGroup: MembersPosts: 5Joined: 20-March 05Member No.: 354 Dear Christine, here is a quick update for your site.The Supreme Court accepting all my filings. We were supposed to be heard in the Supreme Court and were bumped back to the Supreme Court of Appeals. Last year we lived here at our house. No running water, no electric. Yet at least our own place. No threats from the sheriff or his goons at least. Finally got to go to court before spring this year and a few months later a ruling. Then of course more filings and waiting on rulings from those.The court determine that Rod was not a party to the action, nor was he a party to the loan. That does not get back all his equipment Wells Fargo stole.Right now we are still gathering records on out property that the county people locally here transferred to our neighbors.I am finally feeling half decent in recovering from surgery last April.I started a blog site the day before yesterday as I now have a computer and internet service at the house here. We still have a lack of fulltime running water. Hopefully one day we will be able to get that fixed. The address for the blogspot is http://wells-fargo-vs-adams.blogspot.com/ I am still learning all the stuff that makes these things work properly. You might have to add www to that address.There are still court proceeding to look or I should say not look forward to. Yet at some point it has to end. Wells Fargo may have got away with all their made up papers they even confessed to creating in court. But they did not get it for free. We have done everything we could do that I know of to "fight back!"After well more than three years of Wells Fargo and over seven of trying to run a legal ethical, decent mining operation I give. I have no choice but to give up. My parents sold the mine land. So there is no mine to mine. Wells Fargo, Martin Marietta and the others got want they wanted "CONTROL" yet they still cannot have my name to control it all with.Wells Fargo took by court approval the lawsuit from where the manufacturer had destroyed my mining equipment and they cancelled it. So there is no recovery that I know of for the Equipment manufacturer blowing up my equipment. I am not sure if Rod will ever recover for all they took from him either. Time will tell.A book maybe one day. I do want people to know what can happen to them if they believe in truth and honesty and refuse to sell to big corporations. Not that I would advise them to do so. Yet if they know in advance maybe they can prevent some of the things Wells Fargo did to us.There are still no lawyers who do not work for Wells Fargo that I have found or any willing to do anything about what has been done. Rod has not found anyone to recover his equipment either or the over one million dollars it will cost to replace it. I am going to try to get some of my artist clayworks on the internet for sale. Email me if you like at my new email for the artwork adinolera@yahoo.com I will keep you up to date. Keep up the good fight in fighting back.I am curious is that Target Bank affiliated with Target stores and the head of Wells Fargo?By the way I read a post here that the person thinks Wells Fargo bought Norwest. Not true Norwest bought Wells Fargo's name. The Norwest name they trashed by stealing peoples money also. They raided people funds who could not protect themselves. I found that in the court records online. They lost a few cases. After local judges ruled in their favor. I really do think they buy judges. So it is not just lawyers who are for sale. The only true way to get any justice is to have decent judges who are not for sale. Also we have to have politicians and people in government who really care about the people they represent. Not just the dollar bill. If news reporters do not report the truth and press it we have no hope in having justice.

Email virus

2006-08-30T14:29:00.000-07:00

I have wondered for the last few years about emails I received from Wells Fargo. I never had any virus problem until I gave the Wells people my personal home email address. Waiting for 6 months for Wells Fargo to fulfill the promises they made when they first contacted me. Then letting them loan me money would turn into the biggest nightmare one could imagine. I should have known that 6 weeks promised by the initial banker was BS. I mean but like if you have never borrowed money for a business how would you know every dirty trick in the book.

One could not have possibly known that they would literally change and alter the paperwork. It would seem fully plausible to think you would get the same paperwork that Wells Fargo gives to SBA. Who would ever dream that a banker would give you different documents than they give to SBA. These people have no fear of justice. I really believe they have already bought off all the people who are suppose to be protecting us from such things. I mean like after more than three years you would have to start asking that same question. "Who all did they pay off"? Well all the lawyers for surebut, who else. Des Moines thinks Wells Fargo is great they put in that big arena there and wow gave 40 or so folks jobs after stripping the tax payers a few cool million.

Well back to the email thing. After months and months of hearing, "Well your loan is all approved. We are just waiting on SBA to approve it. They are holding up the show." We'll give you a temporary loan called a bridge loan to get you started. He forgot to add in that statement, "That is what will help skin you when we take you completely out".

Well anyhow after their temporary help me out loan the SBA loan was approved. I had called SBA. They told me each time I called the SBA office “call your banker, he can answer all your questions”. Like feeding a baby lamb to the ravenous wolves.

I finally started getting equipment to start the mining operation. It looked like I might be able to make the sales for the winter ice control sand after all. No go. My first piece of equipment came from the factory "Designed to fail". (I say that with all confidence now because a hydraulic engineering specialist determined that right before Wells Fargo took me out in 2002.This is a whole couple of pages in itself what happened) Well anyhow the first machine I had to have to produce materials arrived from the factory non-working. I reported this right away to the bank underwriter at Wells Fargo. We talked on the phone at least once a week if not two or three times a week. Ordering all the equipment and tools and such I had to go through the bank under writer. Then in late October 2000 my computer crashed due to a virus. My brother helped me via the phone to redo the whole computer. With the computer back up and operating again I used the computer to list all the purchases and keep track of the loan for $517,000.00 and of course that Wells Fargo checking account.

By the way if a banker ever tells you we will loan you up to two million dollars don't believe him. He is probably not really a banker at all just a salesman for the bank. If the underwriter tells you he can increase your loan amount up to one million dollars if you need it firther down the line. Don't buy that story either. They have no intention of really helping small business. Wells Fargo showed their full intent early on when they made that phony UCC filing claiming land I did not own. I just did not get to see until they took me out in 2002. I mean who goes to the Secretary of State office and looks at UCC filings other than bankers?

Loan sharks have more credibility with me these days.

My computer crashed twice in a month due to viruses. The only one sending me emails at the second crash was Wells Fargo. Sure does make me wonder if......? I use Mc Cafee now and Mc Cafee firewall. It's great. Back then I barely knew how to get on the internet and navigate in the computer. It is amazing what you can learn in a few short years.

Next post the December 2000 crash. No not the computer my husband in his truck and some idiots deer hunting in the road.

Hostages in America

2006-08-30T09:46:00.000-07:00

RK's opinion

To Any Wells Fargo Employee Former or Latter,

Most people would not understand what "stronger" means concerning Norwest taking over the Wells Fargo name in 1999. I would have not understood. The majority of people are not stupid just uninformed. Most only want to put their money into an account and pay their monthly bills and expenses. Norwest had a terrible reputation so they bought the Wells Fargo name. That in itself is deceptive. They started out a deception and a lie and that is how they will end. If Norwest had revealed the truth in 2000 this blog would not be here.

The stock market players have been working on jumping the prices to make another split since around 2002. Norwest went to great pains to make themselves look like Wells Fargo. Norwest from all my research in court records habitually raided accounts both federal and private. That is all these executives and stock gurus for Wells Fargo are. A bunch of raiding rats stealing other people's money. Dillinger did it. Jesse James did it. Wells Fargo executives do the robbing and stealing from inside the bank. I guess the nice thing about it is that these schmucks aren't considered killers and murders. At least not yet. But then again, how many people have committed suicide and murdered others stemming from the actions these corporate raiders and goons have pulled? I guess that is a whole other matter.
Besides, who am I that I would even consider the matter? I'm not some highly trained and educated bank teller or underwriter now am I. Come on people; get real with this thing. You are working for a terrorist organization!

Simply telling a horror story of checking whoas does not even come close to what they are doing. How much money did they get in the past 10 years from raiding SBA loans? SBA does not only cover small business loans. Many of the funds for many disasters like the floods in Illinois and Iowa and many other states are funded through SBA.

Senator Harkin from Iowa was head of the senate committee for SBA for many years. What happened that he was no longer committee head after 2003?

How many years will it take for our federal government to act?

As an employee of Wells Fargo are you willing to take the fall for what the executives are having you do?

Why does the Comptroller of the Currency not have any power to stop these thieves?

Has Wells Fargo opted out on FDIC?

Does the Comptroller of the Currency have any regulatory means to regulate Wells Fargo?

Are there any good attorneys out there that have any ethics that are willing to protect people from thieves at Wells Fargo?

The money in any bank belongs to the depositors not the bank. That bank cannot exist unless depositors and investors put their money in the bank. The money itself does not belong to the bank. It belongs to the investors and the depositors not the banks executives or some stock brokers trying to make a buck. People’s entire life savings are at risk with Wells Fargo. Wells Fargo is holding the finances of the nation hostage. Is that not considered terrorism when a few unethical corporate raiders are holding the wealth of a nation hostage?

When Wells Fargo took over First Security Bank in the West. They literally wiped out a good bank. First Security Bank had a long history of a good solid customer base and excellent employees. Taking over First Security Bank Wells Fargo ran it in the ground. Wiped out many long-term employees retirement funds. Why, because those employees believed in their own bank and invested in it. As depositors elderly people were taken in wire transfers handled by Wells Fargo employees from Idaho (First Security turning into Wells Fargo 2001) to (Wells Fargo) Minnesota. I know of one case that involved $10,000.00. I have heard of others. Ten thousand dollars is not a paltry sum. There are many others that Wells Fargo raided their kitties. These people are grandmas and grandpas who worked for and earned their life savings. They are not some trashy illegitimate banker, stockbrokers, lawyers and such. They were pipe fitter, welders, electricians, truckers, miners, grocery store clerks, librarians...... I could go on and on. These people are the backbone of this country. They earned what they have legally and ethically. It was taken from them illegally and unethically. Now tell me what a nice company Wells Fargo/Norwest is.

Many in the Federal government have responded that they cannot regulate this bank and they are not willing to investigate this bank. This is the response we get from our legislators, investigative agencies and the Office of the Comptroller of Currency of the Unites States.

We are a nation held hostage by this bank and the financial institution in which it exists. I don't see anybody screaming about the terrorism Wells Fargo has inflicted on many of its depositors, mortgagees, account holders and businesses loan accounts.

When this bank is allowed to illegally seize peoples life savings and property both personal and real, without any threat of repercussion, legal remedy or recourse, this means that the nation as a whole is at risk. The Iowa Supreme Court has a case on file that is readily available via the Internet for anyone to view. Wells Fargo was allowed and was assisted by others in seizing real and personal property from a man who had not requested, accepted nor had he ever applied for or signed his signature for a purported federally guaranteed SBA loan. In the outcome, Wells Fargo forcefully seized in excess of a million dollars worth of equipment and assets from this man and sold this man's property at auction for less than $100,000.00. The property and equipment the man had been totally and completely paid for. He owed nobody anything for this property.

WAKE UP AMERICA! IT CAN AND WILL HAPPEN AGAIN AND AGAIN. WILL IT BE YOU THE NEXT TIME? MAYBE IT WILL BE YOUR NEIGHBOR OR A FRIEND YOU KNOW OR ONE OF YOUR RELATIVES.

To some it's OK as long as it doesn't happen to them personally. Don't think that this man is ignorant or without knowledge. People, these instances of abuse by Wells Fargo will continue until "We the people" put a stop to it. Because of Wells Fargo's desire to locate their National Home Mortgage facility in Iowa, this man was expended though he had done no wrong nor had he behaved or acted illegally. The supreme court case is there if you want to know all the details of how Wells Fargo and the state and federal judicial system raided a disabled man for a federally insured loan. By the way, in the documents you will be able to read the testimony of the bankers who admitted that the loan was not a federally insured loan after all but was merely a standard 7-a business loan. The bankers further admitted in court that they never saw the man’s name on any documents concerning a loan. Now tell me little bank teller about how highly educated and trained you are and tell me all about how Wells Fargo is such a great employer. By the way, Wells Fargo never paid the loan packager for this particular loan his commission. His position was done away with by Wells Fargo and he had to find other employment to support his wife and children. After Wells Fargo in the courts secured the matter, the man's position was reinstated and another holds this man's position. Fortunately for him, he does now have a position with another bank. And guess what? HE'S THE BANK VICE PRESIDENT IN HIS NEW JOB. From a lowly loan packager to vice president of an influential Midwest bank. Hey, only in America huh? Maybe that poor sucker Wells Fargo nailed for the loan he never had with them can go to this bank VP and do business. What do you think?

The almighty dollar that these execs are chasing does not belong to them. It is the lifeblood of the world. Our economy here in the United States is the barometer with which the other nations of the world measure their own nation's worth. The US dollar is that measuring tool. If the world found out that the United States people are being constantly and continually ransacked we would look like Russia in 1858.

Does the upper management of Wells Fargo think they will not have the same outcome as the Czar, Stalin, or Mussolini or Hitler? It is obvious that the ceo's of Wells Fargo would piss on the graves of the men and women who fought for this country and are buried at Arlington National Cemetery and around the country in unknown and unmentioned grave yards. Who the hell do these men think they are?

Bank Fraud

2006-08-29T16:57:00.000-07:00

I asked many a legal minds, "What is fraud?" The answers are not always the same depending on whom you ask the question. So I depended on the good old fashion dictionary to explain to me what is fraud.

Fraud ÂDeceitful conduct designed to manipulate another person to give something of value by,

(1) lying,

(2) by repeating something that is or ought to have been known by the fraudulent party as false or suspect or

(3) by concealing a fact from the other party which may have saved that party from being cheated.

Middle English fraude, from Middle French, from Latin fraud-, fraus

1.a: DECEIT, TRICKERY; specifically: intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right

b: an act of deceiving or misrepresenting: TRICK

2 a: a person who is not what he or she pretends to be: IMPOSTOR; also: one who defrauds: CHEAT
b: one that is not what it seems or is represented to be.
Synonym see DECEPTION, IMPOSTUREFraud includes any intentional or deliberate act to deprive another of property or money by guile, deception or other unfair means. A material false statement is made and or:

The knowledge of its falsity from the onset was known by one party and not revealed to the second party. If another is reliant on the false statement and it is to their detriment.

So I asked all the legal authorities I could inquire of, "What is fraud?" "Is not making up document additions to the altering of original documents fraud?" Or is it just, "Standard banking practices" as stated by the bank's attorney? I mean how can a banker get your signature on a piece of paper then change and alter it after they have a copy of your signature? Without your knowledge that is what they were doing. Until they have already tried to crush you have not a clue what has been going on. Sure seems like fraud to me. From all the research I could find on laws and such making up any alterations to change documents is also counterfeiting. When question about the document added to a UCC filing claiming land I had never owned. The one banker fully admitted in court well someone at the bank did that but it wasn't me. When it came to all the settlement vouchers that the bank turns into SBA. He fully admitted the bank made these up from blank sheets with merely my signature on them. But, he didn't do it. The whole idea behind the scam the bank pulls on collecting guaranteed loans is get all you can then let the American people foot the bill. If the poor soul they have convinced they would support into a new business adventure does not go along with their scam to defraud the government program. Well that is what I think the "Gourmet Grinder" is for. One attorney told me it is their "scorched earth policy". If you can try to make the fire hot enough most will flee and not fight the fire I guess. I also figured hey if they did that to me they are doing it to others also. I have heard some of the oddest statements over the last 4 years.

I loved the sites where people get to post their major complaints about Wells Fargo. Like the one that was called "Wells Fargo Sux". I don't know what happened to that site. Like if the owner sold out to Wells Fargo or what. Then there is this guy in Japan called "G-Man". He has a great post site for poor innocents that have been trash and thrashed by Wells Fargo. G-Man also got job offers apparently from someone at Wells Fargo. One guy claiming to be a Wells Fargo employee rambled on about how stupid people deserve what they get. Like if you do not go along with being shafted or help shaft someone else you are just stupid.

It seems lately Wells Fargo is winning with all their blog posts and sites to cover up those little soldiers willing to tell the world what has happened to them as customers of this beast. It also seemed like no matter how hard I tried I could not get away from having to deal with them in some manner. Like I took this yucky job last winter just to survive. I got my little paycheck of 0 for the first week. Wouldn't you know it! My paycheck was a Wells Fargo check I was utterly livid for about 5 minutes. My stomach turned and I wanted to puke. Well I needed a few things so I went to the nearest Wells Fargo bank. Guess what? They charged five bucks to cash a check with their bank because that is where the business owner banked. I did a lot of growling. It used to be banks could not do that. If a check was written for on the bank and you cashed the check at that bank at they are suppose to honor it "NO CHARGE!!" The teller had the nastiest attitude I have ever encountered in a bank. He was younger than my own son and I would have loved to wipe that smirk off his face. I wondered if he was one like the one who claimed stupid people deserve to have their money taken away by Wells Fargo. Within a minute or so my blood pressure went down to normal. I asked him for a receipt. He refused to give me one. I said, "Look you just took five dollars away from me and you are claiming it is your service fee. Now give me a receipt." No I was not very polite or well mannered at that point. It is hard to be polite when someone is ripping you off. Even harder when they cost you millions of dollars, took away every viable means of support you may have had (including what your husband owned) and you are now making $79.00 per week and they take five of it. I told the teller I was not leaving without a receipt for the five dollars he took. He claimed he had no way to make one up. I said, "Well have you got a piece of paper and a pen?" Just write out a receipt I don't care what it looks like. Finally I prevailed and got a receipt and I made sure he signed it too. All be it he signed it, grudgingly I might add.

Still learning

2006-08-29T10:04:00.000-07:00

I am still learning about blogging today. That trying to write in the wee hours of the morning made me very tired this morning. Even after several cups of delicious coffee my mind is still fuzzy. Have you ever tried to learn how to do something new when your body and mind only had a few hours sleep. I know a lot of people do this but I just don't work so good like that anymore. I missed to much quality sleep time last night to get much acomplished today on my blog. I have to find some way to get tires fixed on the car and well the lug bolts where the ones are missing on one wheel. The little Toyota keeps getting more wobbly every day I drive it. I am afraid the tire will fly off and I will be stranded along side the road somewhere. These days I have not been able to keep up my AAA towing account. So I am off to find a few tires and a body to get some lug nuts on the rear wheel.

Maybe I will be able to continue later today with the Wells Fargo vs Adams story.

How it all started!

2006-08-28T22:19:00.000-07:00

It's really a sad situation I must say but it is all true. Living the American dream can turn into an absolute nightmare over night. I am positive there are worse things but this last 7 years has had some days that have been pretty tough. I mean from going from a mother, wife, business owner to a grandmother, wife business owner watching grandchildren financially stable. Then over night the owner of the business is suddenly a non business and with no means of support all in a few short years has been exhausting. Family members won't speak to you anymore because you still believe in justice and refuse to walk away.

An attorney can tell you to, "Walk away for your own health and well being." Yet the same attorney when asked if he would walk away from his business if this had been done to him just gives you a blank stare.

Overcoming the obstacles of so many things just to be stomped on like an unwanted spider has had it's moments. In the pages to come we can explain why or I should say how one can become instantly hated. All the time not really understanding why until one really digs deep into the workings of big business, politics and the greed that goes along with it. I could say I hate lawyers but that would not cover it. I could say I hate politics but that would only say that God's creation is an absolute failure which I know is not true. I could say easily I hate bankers yet that does not fix a real problem here in America where we live.

By the way just to verify the wording "Wells Fargo vs. Adams" Adams is my maiden name. I am happily married. Have been for many years and was at the time Wells Fargo put me in their "GOURMET GRINDER". I used my maiden name for years in business, also in my artwork and the business aspect of this always seem to have created a problem with certain people. Only certain ones. In a small rural community attorneys or others would take issue with such small matters to attempt to gain advantage. It is whatever works to try and make something appear to be what it is not. Nothing in the way of information was ever in any way with held from Wells Fargo. Wells Fargo was fully aware and given all documentation with regards to what my husband and I owned prior to making any loan. It was a requirement of Wells Fargo that a corporation be formed to seperate our personal assets. I still have either the original documentation of these matters or copies of all of the information that was given to Wells Fargo by me. I do not have of course all of the documents Wells Fargo created from my originals or the ones they made up. I have the ones they gave the court that were obvious fakes and admittedly so by Wells Fargo. Wells Fargo was given the documentation showing clearly that my husband fully intended on continuing his landscaping business with his equipment. Original documentation that is on the original paper that it was written showing clearly that our personal assets were not in any manner included or intended for a corporate loan to Robex Inc. Including an article written in ROCKS PRODUCTS that the bank received prior to finalizing a corporate loan. The interview for the article by ROCKS PRODUCTS was taken prior to Wells Fargo conning me with their salesman (He did not tell me he was merely a salesperson. I was led to believe he was the banker) into letting them have any information about myself or my new business adventure.

The "Gourmet Grinder" well that was on the paper Wells Fargo sent SBA. In place of where my business name went on one sheet it stated "GOURMET GRINDER INC". In case you are wondering, it did upset me and did get a rise in my blood pressure. Who would want to be in a banks Gourmet Grinder.

I am still a work in progress on learning to control my temper concerning all the things Wells Fargo has subjected us too. I do understand why people go postal under circumstances such as we have faced over the last 7 years. Every once in a while I lose my composure though and call them "Pricks with ears." Please forgive me for I am only human and still a work in progress in God's creation.

I am wondering by all the documents that Wells Fargo sent SBA and then the other ones that they entered into court records. Of course also the ones they gave to me. How many sets of books do they keep? Does Wells Fargo have a set of books created for each circumstance they may come across or is mine a special case?

"Certain ones" include, DOT engineers, some attorneys, and whoever may want to create something that is not. My husband and I had never really considered my name as a problem but hey we are only one small body in this universe of many.

Quoting the attorney for Wells Fargo at the Iowa Supreme Court of Appeals I can sum up what transpired to take us from financially stable and solvent to totally broke and destitute. As the man said to the judges, "Standard banking practices". I did not know standard business practices included being able to add papers to previously signed documents or make alterations to signed documents. Misrepresentation must be included in "Standard banking practices." I may wonder for years to come why the court totally ignored the facts that Wells Fargo admitted to in court. The duplicated altered documentation that Wells Fargo submitted as evidence clearly showed that Wells Fargo keeps several sets of books with phony paperwork. I would consider a mistake simply that a "mistake" but after all the threats and the continuing to stand on these things. It can no longer be considered a mistake to me. I always taught my children when you make a mistake own up to it and move on. Wells Fargo cannot be considered making mistakes when the same mistakes go on and on and on. It is not merely incompetence when so many issues arise of false documentation and alterations to federal documents required by SBA. If the banker threatens you with action with full knowledge you will face a hostile sheriff who has already threaten you, "Have gun will travel" when you refuse to give your signature for a release of liability for what the bank did wrong. What would you do? Would you give away your inherited rights as an American citizen?

I do not know of any other states other than Iowa that would let it's citizens be threaten and continually harassed without cause, then give court authority and approval to validate illegitimate documentation. Only in Iowa would a court approve of hostile actions by law enforcement without cause. How many other states out there would let a hundreds of thousands of dollars of equipment be taken from its citizens? With court approval and authorization. Why would a court give empowerment to a hostile sheriff to act on behalf of a bank to seize personal property, having no legitimate or even illegitimate paperwork to show the property as collateral for a loan. Only in Iowa that I know of can Wells Fargo threaten and take mobstyle actions with using law enforcement and the court system as it's collectors. Iowa is the only place I know of that would ignore outright admitted fraud, counterfeited documents, misrepresentation and "guessing" or "guessed" as the bankers so innocently claim in the taking of personal property. If you know of other states where these things occur let me know would you? Use the comment sections on this site or simply email me wellsfargovsadams@yahoo.com Most of Wells Fargo thefts are for a few hundred here and there or even a few thousand here and there when they can get away with it. In this case it has been hundreds of thousands of dollars. Which when you add the cost of losses and replacements onto that it equates to millions.

In the sense of these things are happening throughout the nation and God knows what other nations besides America. It equates to billions even and even more. I have researched the matter for more than three years now.

Where else but in Iowa could a sheriff and a tow company go steal a dozer, threaten the owner of the dozer for wanting to make a written report of the matter and use the dozer to clear their property after they stole it? Then again (forgive me for sounding like a broken record) empower that same law enforcement person to work on behalf of the court for Wells Fargo. Where do these things happen besides Iowa? The young man at the towing place who tore down the fences and broke into the vandal boxes on the dozer told me he was exempt from theft charges. I did not believe that at the time but that was over three years ago. The prosecutor when finally read the report sent to her when the incident happened with the sheriff threats and the dozer threat he helped perpetrate. When she looked at the payment records (two years later) and all the paperwork for the dozer she stated concerning the sheriff, "Oh, my God he really stole that dozer!" Not that anything has been done about thefts or any of the other illegal activities here that have transpired.

A $20,000.00 conveyor has still not been recovered. Even though it was found and the guy that stole it said on tape mind you, "I am going to take your s... and F... you over" The prosecutor also heard this tape a year ago. I have asked what is being done if anything. Nothing!

Some people say call the attorney generals office. I have tried that also. One lady told me I didn't understand she had, had a very bad day. I really still think she does not know what a true bad day is. A bad day is when you feel awful, you have been stripped of everything you own by others illegal actions, you lost your entire life's savings to thugs like ones here in Iowa and Wells Fargo, your family refuses to speak to you anymore because you asked them to help and they have their life savings on the line, attorneys treat you like you have the plague telling you how sorry they are they cannot help, but wish you good luck, you cannot afford to feed your dog properly much less yourself do to actions others beyond your control, you miss seeing your grandchildren because your children are not on speaking terms any longer with you, your home was ransacked and vandalized beyond means which you can repair it, you can't tell anyone what all happened because it is to massive of a mess for one person to account for, you are trying to understand and learn the law so you can legally defend yourself, you have been called a terrorist for refusing to be bullied by theft and threats, you are seeing your loving husband becoming more and more depressed each day and a deputy sheriff threatens you with arrest for simply asking him for some documentation of why he is on the property where you are living at the moment in a moldy travel trailer because yours was seized by the bank and sold, trying to survive in Iowa while you go through the motions of waiting on the Supreme Court to take action in your case. Now that is what I consider a bad day.

How can one person adequately tell the world a story that is so bizarre and seems even so surreal to that person themselves?

In the days to follow we will write about standard business practices of the banking industry. Mind you this is only from our personal experiences. Others may have different experiences in the standard for banking practices. Also I want you to know I have only had a few banking experiences. I really missed my old banker when he retired. He was a common sense man with honest intentions that I know of anyhow. I think that may be a dyeing virtue among bankers as my own personal experience with Wells Fargo has proved.

Politicians on the other hand. I have met a few. Some I do truly believe have good intentions when they start out. Yet as I look around these days I have seen to many that have heavy linings in their pockets to hold all the cash they seem to make. It is a scary situation to think "We the People" are regulated by men willing to be manipulated by money, real estate, cars or in general stuff. Then again so many people only consider a persons viability in worth as a human by the stuff they own, their credit scoring or the things they have control over. We do not have much stuff these days so if we are of any value to anyone it truly must be because they are true blue people with hearts of gold. Golden hearts cannot be seen by the naked eye. They can be felt though by the heart.

Well that is all for the first post in my blog to the world. Peace be unto those who seek to live in peace and the love of Jesus Christ.

Anyone wishing to reach me via snail mail: R.Stubbs 21984 Pleasanton Rd. Leon, IA 50144