9/11/2015 ~ Putting a new twist on the “bank robber’s note”, the note attached to the bank’s Complaint for Foreclosure may be a forgery. This being true, maybe I should say, “robber bank’s note”. Be that as it may, you would be wise to compare the copy of the note used by the foreclosing lender to the copy you received at closing.
Why? Because in my experience banks, and their lawyers, lie. Forgery is just another means they use to accomplish their devious ends.
When the foreclosing bank files a Lost Note Affidavit, they think they’ve found the key to taking your home, even though they don’t have the Original Note and most likely never did. They are thumbing their nose at you and saying, with a sneer, Prove it.
I had thought Wells Fargo would “find” the lost note and offer it to the court. So I began calling Forensic Document Examiners. That was supremely eye opening. For instance, do you know that ink analysis can show the approximate date of the ink used? So, forging a note isn’t all that easy. But, if you say you lost it, then all you need is a copy. A copy can’t have ink analysis done. But, there are other clues to forgery.
Resources
American Board of Forensic Document Examiners ~ Read more.
Southeastern Association of Forensic Document Examiners ~ Read more.
Rules of Evidence – Authenticating Evidence ~ Read more.
Forensic Document Examiners ~ Read more.
Principles of Forensic Document Examination ~ Read more.