Household Realty Corp.

Review: October 15, 2013

To Whom It May Concern:

Due to serious deficiencies found in an ongoing securitization audit of the file regarding chain of title, RESPA and Truth in lending violations I hereby request information about the fees, costs, and escrow accounting of my loan for independent verification. This letter is a qualified written request (QWR), pursuant to the Real Estate Settlement and Procedures Act (RESPA), 12 U.S.C. § 2605(e)(1)(a). This is also a request made pursuant to § 1641 (f)(2) of the Truth in Lending Act (“TILA”) for the name, address and telephone number of the owner of the mortgage Note the evidences this debt obligation”. TILA, 15 U.S.C. section 1641(f)(2), which states, “Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name address, and telephone number of the owner of the obligation or the master servicer of the obligation.”

Specifically we are disputing (a)the identity of a true secured lender/creditor, and( b) the existence of debt, and (c) your authority and capacity to collect on behalf of the alleged lender/creditor/owner in due course. Ongoing criminal activity and fraud has required us to demand proof of chain of secured ownership from the original alleged lender/creditor. Further, we require proof that you are the entity that has been contracted to work or represent the interest on behalf of the alleged creditor/lender/owner in due course.

Withholding any information requested will be deemed an attempt to defraud and hamper the discovery process. Since the QWR requires specific instances of believed deficiencies please see the requests below for independent verification. Form letters rejecting the QWR will be rejected by council and action started to insure compliance.

Pursuant to “Subtitle E Mortgage Servicing” of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605(e)(1)(A) and Reg. X Section 3500.21(e)(1), please provide:

1) A full, double sided, certified "true and accurate" copy of the original promissory note and security instrument and ALL assignments of the security instrument.

2) A complete and certified "true and accurate" copy of the documents I signed at closing for this loan.

3) The name of the current note holder, investor, beneficial security instrument holder, and legal security instrument holder.

4) The current interest rate on this account if different from the original note.

5) The adjustment dates of each interest rate adjustment on this account, with the corresponding adjustment amount.

6) Full name of Trust where Note Number is trading, or has traded, and the indentifying series of certificates. Please supply ALL information(ie Fannie May Pool Number CUISP Number, REMIC or SMBS Trust number and Trust Class/[redacted]).

7) Who the current holder (owner in due course) of the note is, and their mailing address for process of service, along with a current telephone number.

8) The date that the current holder acquired this mortgage and from whom it was acquired.

9) Full name, address and telephone number of the custodian of my original security instrument including the name and address of any and all trustees or other fiduciary entity. This request is pursuant to section 1641 (f)(2) of the Truth in Lending Act.

10) Full name, address and telephone number of any and all master servicers, servicers, sub-servicers, contingency servicers, back up servicers or special servicers for this account.

11) The MERS milestone report, if the note was tracked or held by Mortgage Electronic Registration System please forward complete audit trail of the alleged transfers in ownership and alleged transfers of security interest.

12) The date your firm began servicing the loan.

13) The previous servicer(s) of the loan.

14) The monthly principal and interest payments, and monthly escrow payments received from the date of the loan's closing to the date of this QWR;

15) A complete payment history of how those payments were applied, including the amounts applied to principal, interest, escrow, and other charges;

16) The total amount due of any unpaid principal, interest, escrow charges, and other charges due as of the date of this letter. Please separately and identify each amount due;

17) The total amount of principal paid on the account up to the date of this letter;

18) The payment dates, purposes of payment and recipient of any and all foreclosure fees and costs that have been charged to my account;

19) A breakdown of the current escrow charges showing how it is calculated and the reasons for any increase within the last 24 months;

20) A breakdown of any shortage, deficiency or surplus in our escrow account over the past three years.

21) A breakdown of all charges accrued on the account since the date of closing that includes but is not limited by, late charges, appraisal fees, property inspection fees, forced placed insurance charges, legal fees, and recoverable corporate advances.

22) A statement indicating which covenants of the mortgage and/or note authorize each charge.

23) Please provide a copy of all appraisals, property inspections, and risk assessments completed for this account.

24) Please provide a copy of all trust agreements/pooling and service agreements pertaining to this account or digital address for inspection.

25) Please provide a copy of all servicing agreements (master, sub-servicing, contingency, specialty, and back-up) pertaining to this account.

26) Please provide a copy of all written loss-mitigation rules and work-out procedures for this account.

27) Please provide a copy of all manuals pertaining to the servicing of this account.

28) Please provide a copy of the LSA** Transaction History Report for this account, and include a description of all fee codes.

29) If this account is registered with MERS, state its MIN number.

30) A statement indicating the amount to pay this loan off in full as pick date about 30 days after this letter is dated.

31) At closing I was never notified by disclosures that my home was being used as a security instrument guaranteeing payments to a trust that issued mortgage back securities, as such, please provide any disclosures signed by myself giving permission allowing my home to be used as a security instrument.

32) Copies of all notices of change of service.

I hereby dispute all late fees, charges, inspection fees, property appraisal fees, forced placed insurance charges, legal fees, and corporate advances charged to this account. Pursuant to 12 U.S.C. § 2605(e), you are hereby notified that placing any negative coding on my credit report before responding to this letter is a violation of RESPA . Your organization will be subject to civil liability if negative coding appears for this account before a response to this QWR is issued to me.Desired Settlement: You should be advised that within FIVE (5) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY (30) DAYS to fully respond as per the time frame mandated by Congress, in “Subtitle Mortgage Servicing” of the “Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C.

Section 2605(e>(l¥Al and Reg. X Section 3500.2l(e¥D.

TRUTH - IN-LENDING ACT § 131(f)(2)_Pursuant to 15 U.S.C. § 1641 (f):

Please provide the name, address and telephone number of the owner(s) of the mortgage and the master servicer of the mortgage.

You should be advised that Violations of this Section provide for statutory damages of up to $4.000 and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC1641

Business

Response:

November 21, 2013

Dear **. [redacted]:

Thank you for providing us with an opportunity to respond to the Revdex.com complaint that was made against our office. Please be advised, that although we are listed as the “representative” for [redacted]., we are not authorized to accept legal service on behalf of the subject entity, and are instead engaged in the limited representation of conducting a foreclosure sale of the abovereferenced property on behalf of this entity.

The correspondence attached to your November 12 letter to us, although dated October 14, was never actually received by our office. As you were so kind as to provide us with a copy, we are in the process of responding to the same in accordance with our firm-procedures pursuant to any legal obligations we may have. We will also of course be providing a copy of the same to [redacted]oration.

Your summary of the complaint, along with the correspondence itself, appears to indicate the customer has billing disputes, however please be advised that our office is not the entity responsible for retaining the records related to the complainant’s mortgage, as such, we are unable to assist in requests for the same. Additionally, due to confidentiality and privilege issues, we are unable to provide a copy of our response to the borrower unless we receive express permission to do so.

I apologize that we cannot be of further assistance at this time, however, should the complainant authorize us to release a copy of the response to you, I would be happy to send you a copy. We do not typically receive disputes of this nature, so I am unsure what if any other information you need from our office, but please do not hesitate to contact me at the number listed about if we can be of any further assistance in this matter.

Thank you for your time an attention to this case.