It Happened To Us. It Could Happen To You. The Nick and Donna Nickerson Family.
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Response to QWR - Chase 2014
Received January, 2014
Below is an excerpt of the answer provided by JPMorgan Chase in response to a federally mandated Qualified Written Request (QWR) regarding the current ownership of any debt against our ranch. JPMorgan Chase repeatedly denied they were the Servicer only and not an owner to secure the 2012 Summary Judgment in their favor. PHH then claimed JPMorgan Chase transferred ownership to them in a fraudulent and disputed 2010 Assignment from Chase to PHH. This created a broken chain of title and created disputed facts regarding the true ownership of any Note and Mortgage against our property and whether a debt was owed to PHH. However, the Clearwater County District Court ignored this evidence and relied on these false and contradictory claims to allow PHH to establish standing to foreclose and secure summary judgment in April 2014.

As of January 10, 2014, in response to a QWR, JP Morgan Chase provided us a letter that stated they still owned the property. JP Morgan Chase stated,

Response to QWR - JPMorgan Chase

January 10, 2014
...It is our position that Chase has addressed your correspondence in a manner that complies with Real Estate Settlement Procedures Act and Regulation X. We are not required to produce the original note which will remain in our possession in accordance with applicable record retention requirements.

Please note, that the account was transferred to a new servicer on September 20, 2012.

Information regarding the Mortgage Electronic Registration Systems (MERS) can be locate on MERS website at However, this is not a MERS loan.

Any information or document requested but not included with our prior response is unavailable or considered confidential, and cannot be provided. A response to all questions related to loan transactions can be found in the loan transaction history.

The investor for this loan is JPMorgan Chase Bank, National Association.

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