HOME-LAND MORTGAGE CO. OWNER VICKI KENNISON, TAMPA, FL. HAS DEFR (Spring Hill, AL)

HOME-LAND MORTGAGE CO. OWNER VICKI KENNISON, TAMPA, FL. HAS DEFR

SEEKING A LAWYER LEGAL AID PARALEGAL STUDENT GOVERNMENT AGENT AGENCY. I DESPERATELY NEED ROBIN HOOD. HELP THE RIGHT & UNJUSTLY TREATED. Owner of Home-Land Mortgage is Vicki Kennison located at 6804 N. Armenia Ave. suite 5 Tampa FL. 33604. She has stolen from many victims in the U.S.A. Mortgage & Foreclosure fraud. Fraudulent & Predatory loan. Criminal activity Business malpractice & Harassment. I have copied & printed all of my documents & evidence. I have also copied & printed all of her other mortgages & foreclosures via clerk court search. This private lender has defrauded many others in the Florida region. Including Hillsborough Pasco & Pinellas Counties (FL). She has had many different companies in many other states. She has used at least five different aliases. She has been defrauding people since 1974. I have found fraud in most of my documents & fraud in her other victim s loans. I have highlighted specific FL. Statutes that she has violated. She forged notary signatures. Purposely preyed on me with a hard equity loan. She made my mom sign off on the title. She inflated my income in order to make me qualify for loan. She also hid previous liens. She was not my original lender. She did an assignment of mortgage and did not inform me. She refused my pymts which allowed her to foreclose. She took advantage of me because she knew that I have a brain tumor Hyperprolactinemia Fibromyalgia Anxiety Disorder & a bad heart. I was crying while I was signing the paperwork in her office. She knew that the grandparents & State had just taken my son from me because of false allegations made by the grandparents. This was done out of revenge because my son s dad had taken his life in 2002. I have children three grandchildren & my elderly mother is disabled. We will all be homeless. She is claiming that I owe money that I have proof that I do not owe. I am on disability benefits. I am barely able to afford my bankruptcy home pymts. My bankruptcy case was dismissed last year due to this. She conTicktin law group did not inform me of the trial nor sale date. (I have documented evidence to this). I lost my trial & had to get the sale reversed myself. I have saved many phone calls the lender had made. I have a DVD disk full of abusive threatening and harassing phone calls. The lender had called both my family and me. she also had others call me and threaten me. I have tried contacting government agencies. I have even contacted news channels etc. Newschannel8 Stacie stated that if I ever win lawsuit against her or gather more victims she will broadcast my story on TV. I have been in courts over these cases since 2003. I have an appeal in Lakeland for foreclosure mortgage case. My family and I will be homeless. I cannot afford to move. I bought this with my grandparents inheritance money left to my mother and me. My credit is ruined due to this. She even admitted to the trustee in court of harassment and fraud. She bullied my mom my daughter. In addition my tenants who were renting from me. If interested please contact Roxanne call text or email. Phone 352-403-8213. Please call. I rarely check my email or messages left on this site. email roxanne1989(at)rocketmail.com. The lender had posted this rebuttal in reference to my complaint on ripoffreport.com Updates & Rebuttals 1 REBUTTAL Owner of company THERE ARE 2 SIDES TO EVERY STORY AUTHOR HOMELANDMORTGAGE CORP - (United States of America) SUBMITTED Thursday September 13 2012. I HAVE ATTENDED MEDIATION (WHICH SHE DID NOT APPEAR FOR AND WASN T RETURNING HER ATTY S CALLS BUT WE TRICKED HER AND GOT HER ON THE PHONE FOR THE JUDGE TO QUESTION HER OVER THE TELEPHONE. This is a response that was posted on this same site to her rebuttal. Not to mention the fact that she states that the judge had tricked me. Isn t this slander A JUDGE WOULD NOT PUT THEMSELVES ON THE LINE BY TRICKING SOMEONE ON THE PHONE WITHOUT THEIR KNOWLEDGE AND BASE THEIR DECISION ON THAT INFORMATION This is a two party state and the judge would only allow a warrant for a wiretap. In addition if she would trick me in court wouldn t she trick me in a mortgage as well 1 General Comment Kennison is wrong AUTHOR Geep300 - () SUBMITTED Sunday August 25 2013 Ms. Kennison is WRONG. I have revued the entire file in Ms. Dennis possession. Here are a few of Kennison s violations Florida Statutes 494.0016 Books accounts and records maintenance examinations by the office.-- (1) Each licensee shall maintain at the principal place of business designated on the license all books accounts records and documents necessary to determine the licensee s compliance with ss. 494.001-494.0077. (2) The office may authorize maintenance of records at a location other than a principal place of business. The office may require books accounts and records to be produced and available at a reasonable and convenient location in this state. (3) All books accounts records documents and receipts for expenses paid by the licensee on behalf of the borrower including each closing statement signed by a borrower shall be preserved and kept available for examination by the office for at least 3 years after the date of original entry. (4) The commission may prescribe by rule the minimum information to be shown in the books accounts records and documents of licensees so that such records will enable the office to determine the licensee s compliance with ss. 494.001-494.0077. History.--ss. 7 50 Ch. 91-245 s. 4 Ch. 91-429 s. 5 Ch. 99-213 s. 519 Ch. 2003-261. Ms. Kennison s attorney Anthony Prieto Submitted to the court when subpoenaed that A mortgage file does not exist. CH. 687.08- PERSON LENDING MONEY TO GIVE BORROWER RECEIPT FOR PAYMENTS CONTENTS OF RECEIPT PENALTY FOR VIOLATION. (1) Every Person Or The Agent Officer Or Other Representative Of Any Person Lending Money In This State Upon Security Shall Whenever The Borrower Of Such Money Makes A Payment Of Any Money Either Principal Or Interest Immediately Upon Such Payment Being Made Give To The Borrower A Receipt Dated Of The Date Of Such Payment Which Receipt Shall State The Amount Paid And For What Such Payment Is Made. If Such Payment Is For Interest On The Sum Borrowed The Receipt Shall So State. If The Sum So Paid Is To Be Applied To The Payment Of The Principal Sum Borrowed The Receipt Shall So State. Every Such Receipt Shall Be Duly And Properly Signed By The Person Or The Agent Officer Or Other Representative Of The Person To Whom Such Money Is Paid. In Lieu Of Providing Such Receipt A Lender May Furnish To The Borrower An Annual Statement Showing The Amount Of Interest Paid On The Loan During The Previous Year As Well As The Remaining Balance On The Loan Except That A Simple Receipt Shall Be Given To The Borrower For Each Payment Which Is Made In Cash Or For Any Payment For Which Receipt Is Requested In Writing By The Borrower. (2) Whoever Refuses Upon Demand To Give A Receipt Or Statement Complying With The Requirements Of This Section Shall Forfeit The Entire Interest Upon Such Principal Sum To The Borrower. HISTORY.--S. 6 CH. 5960 1909 RGS 4856 CGL 6943 S. 4 CH. 84-193.] Ms. Kennison never gave Ms. Dennis a receipt for ANY payments. Ms. Kennison stated that Her (Ms. Dennis) Amortization Schedule and money order stubs are her receipts. 695.26 Requirements for recording instruments affecting real property.-- (1) No instrument by which the title to real property or any interest therein is conveyed assigned encumbered or otherwise disposed of shall be recorded by the clerk of the circuit court unless (a) The name of each person who executed such instrument is legibly printed typewritten or stamped upon such instrument immediately beneath the signature of such person and the post-office address of each such person is legibly printed typewritten or stamped upon such instrument (b) The name and post-office address of the natural person who prepared the instrument or under whose supervision it was prepared are legibly printed typewritten or stamped upon such instrument (c) The name of each witness to the instrument is legibly printed typewritten or stamped upon such instrument immediately beneath the signature of such witness (d) The name of any notary public or other officer authorized to take acknowledgments or proofs whose signature appears upon the instrument is legibly printed typewritten or stamped upon such instrument immediately beneath the signature of such notary public or other officer authorized to take acknowledgment or proofs On documents concerning Amounts Due submitted to the Court during foreclosure proceedings contain Notary signatures that DO NOT MATCH. This is FORGERY. Pursuant to Florida Code 687.0304 Credit agreements. (2) CREDIT AGREEMENTS TO BE IN WRITING. A debtor may not maintain an action on a credit agreement unless the agreement is in writing expresses consideration sets forth the relevant terms and conditions and is SIGNED BY THE CREDITOR AND THE DEBTOR. There are documents that do not contain Ms. Dennis signature. In addition Ms. Kennison hid liens the fact that Ms. Dennis was married (her LEGAL name at the time that she applied for and received the loan was Roseanne Dennis Frederiksen Pursuant to 2013 FL Statutes Title -IX 679.5031 (1) (d) Subject to subsection (7) if the debtor is an individual to whom this state has issued a driver license that has not expired or to whom the agency of this state that issues driver licenses has issued in lieu of a driver license a personal identification card that has not expired only if the financing statement provides the name of the individual that is indicated on the driver license or personal identification card 2013 FL Statutes Title -IX 679.5031 (7) If this state has issued to an individual more than one driver license or if none more than one identification card of a kind described in paragraph (1)(d) the driver license or identification card as applicable that was issued most recently is the one to which paragraph (1)(d) refers.) This makes all documentation associated with any and all contracts agreements and liens including UCC filings between PETITIONER and CREDITOR invalid and unenforceable as PETITIONER s legal name ROSEANNE DENNIS FREDERIKSEN does not appear on ANY of the documents associated with the mortgage and subsequent claim in question. NOTE A simple search for any financial documents filed with any relevant office under the legal name of PETITIONER at the time of loan origination nor after does not produce any results. This is a pre-requisite of verifying the validity of a legally binding contract.) Ms. Kennison falsified income amounts required that Ms. Dennis mother sign over her home so that Ms. Kennison would have ALL 5 acres AND both homes (valued at the time for 240 000.00) as collateral for a 23 000.00 loan at 11.25 % interest rate for 60 months when the national average was 6.16% for 180 months. These are just a few of the items at issue in this case. Most notably when Ms. Dennis attempted to settle the account Ms. Kennison inflated the pay-off amount then attempted to get Ms. Dennis to refinance with Martino Mortgages for the amount of 40 000.00 at an interest rate of 12.7% for 180 months. So note to Ms. Kennison not being caught is not proof that you have not been defrauding people