Removing Barriers in Foreclosure Documentation

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles April 11, 2019 1,159 Views Share Save Sign up for DS News Daily Admissibility is a key question in foreclosure cases. Authenticating documents for admission may complicate a plaintiff’s ability to prevail at trial. The Second District Court of Appeal has explained that loan modification agreements and various other documents are self-authenticating, thus easing the process of admission.In foreclosure trials, the plaintiff is normally correct about most of the facts: “There is a note.” “The borrower signed a mortgage.” “The borrower breached by failing to make required payments.” “A breach letter was sent.” “The payment history and related documents reflect the amounts due and owing under the terms of the note and mortgage.”Apart from the muddled issue of standing, the key issue in a case is normally focused on whether the servicer’s documentary evidence is admitted by the court. Admissibility involves two questions: Is the document authentic? Is the document admissible? Each question is equally important.Authentication or identification requires that a party present sufficient evidence to support a finding that the matter in question is what its proponent claims. However, documents which are self- authenticating are not subject to this rule. While it has been understood that certain documents, including the note, are “self-authenticating” within the meaning of section 90.902, Florida Statutes, the scope of documents subject to the self-authentication rule has been less clear.In Wells Fargo Bank, N.A. v. Quest Systems, LLC, 2D17-1184 (Fla. 2d DCA Apr. 3, 2019), the court clarified this issue. The court highlighted the fact that the statute provides that all documents “relating to” commercial paper are self-authenticating. Based on this proposition, the court found that a loan modification agreement, being related to the note, was self-authenticating. Other documents that relate to the note may be similarly self-authenticating, removing one of the barriers to admission of the evidence and, thus, judgment in favor of plaintiff. Foreclosure Law Wells Fargo 2019-04-11 Seth Welborn Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Previous: The True Cost of Selling a Home Next: The Cities Where Natural Disaster Risk Is Lowest Van Ness Attorneys aka Van Ness Law Firm is a South Florida law firm located in Deerfield Beach and Miami with its roots representing the loan servicing industry handling Foreclosures, creditor-side bankruptcy, eviction and litigation. Anthony Van Ness Van Ness sits on the Legal League 100 Advisory Board and the law firm is also a certified minority owned business. About Author: Van Ness Attorneys Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days agocenter_img Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Subscribe The Week Ahead: Nearing the Forbearance Exit 2 days ago  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, Foreclosure, News Removing Barriers in Foreclosure Documentation Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Foreclosure Law Wells Fargo Home / Daily Dose / Removing Barriers in Foreclosure Documentationlast_img read more

NHS pay well below public sector

first_img Comments are closed. HRdirectors in the NHS are being paid well below the levels of their counterpartsin the private sector, research has revealed.Thesurvey of directors of HR in the NHS, carried out by Pay Workforce Research, revealsthat the average salary of the 119 respondents was £52,000. This is 9 per centless than average HR directors’ salaries in a recent CIPD survey and nearly 19per cent less than those in the 1999-2000 REL management survey.ThePWR survey shows that female NHS HR directors are paid on average 7 per centless than their male equivalents, but this is an improvement on the findings ofthe CIPD survey, which highlighted a gender pay gap of 17 per cent.JohnAdsett, secretary of the Association of Healthcare Human Resource Managers, wasnot surprised by the findings. Hesaid, “As far as I am aware, HR salaries are still counted in the NHS as beingpart of management costs. “Thereis a drive to reduce management costs and the message we are receiving, whetherit is the message intended, is that there is a huge HR agenda, but HR has gotto take its share of management cost reduction.“Forthe first time, I have seen some trusts advertising for HR directors offeringsalaries beginning with a six, but they are the result of trust mergers.”ThePWR survey also reveals that HR directors in the NHS work an average of between10 and 12 hours a day and 60 per cent of those taking part were unable to takeall their annual leave.Nearlyall HR directors responding to the PWR survey note that the move towards sharedservices across local health economies, implementing the NHS plan and theNational HR Strategy, are the main issues they feel will affect their roles inthe NHS in the short and long term.ByBen Willmott NHS pay well below public sectorOn 3 Apr 2001 in Personnel Today Previous Article Next Article Related posts:No related photos.last_img read more

The OC Jr. Raiders Football Need More Players for K-6th Grade Teams

first_imgCalling all K through 6th graders!!! Ocean City Youth Football (Jr. Raiders) needs you- to start an awesome chapter in your young life!!!!! Our JV Youth Football team could still use a few more kids to complete the 2016 Roster. Great experiences, comradery, and friendships that carry on into the school year. You don’t want to miss out! Last year saw an extremely successful squad, (finishing just. one game away from winning the ACJFL Championship!) that someday will be our High School super stars!! If you know someone that may be interested – point them in this direction!! We practice Monday, Wednesday, and Thursday from 6 to 8 behind the Primary School (6th St). If you want to checkout a practice before committing, please do!To register, please go to: http://ocjryf.siplay.comlast_img read more

Sugar – EU reform thoughts from Renshawnapier

first_imgThe second phase of the main EU sugar reform finishes in October. As an independent, non-refining distributor of sugar in the UK, we welcome the reform.It will improve access to new African sugars, which could bring some new types of raw cane sugar to the UK from non-EU countries. Previously, 18 former European colonies in Africa, the Caribbean and Pacific benefited from preferential terms, sending raw sugar at fixed prices to EU countries every year. There will now be more opportunities for new sugars on the market.In terms of market trends, organic sugar has not been as strong in sales over the last year. It had been growing, but it has slightly declined.Fairtrade is a bigger opportunity. Consumers are not sure of the relevance of organic in sugar, but Fairtrade makes sense. A number of African countries will gain Fairtrade status over the next couple of years, and availability will increase.The market is fairly stable on sugar; in consumer terms, there has been an increase in home-baking and demand is up.Prices have risen due to exchange rates over the last year. Sugar is priced in euros; the exchange rate was 79p last autumn and is 93p now – that’s a £70/tonne price rise on the exchange rate alone.last_img read more

Empowering the next generation to care about their financial futures

first_img 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr One of the things that credit unions do best is proving financial education to their members and community through initiatives and programs. It’s in the DNA of credit unions – literally, in the Operating Principles – and what help to differentiate them from other financial institutions.While we in the industry know how important it is for kids to receive lessons in personal finance, many aren’t receiving the knowledge and tools they need to become successful adults. The teaching of money basics in schools isn’t currently a nationwide effort, something a growing number of recent graduates wishes would have been the case.Only 16.4 percent of U.S. high school students are required to take a personal finance course, leaving a huge gap in the number of high schoolers in America who are not receiving the valuable, real-life financial education that they need after graduation.Enter Biz Kid$. Biz Kid$ is a national financial education initiative that engages young people to help them develop life skills in the areas of financial education and entrepreneurship. The initiative includes an Emmy award-winning television series, free classroom curriculum, outreach activities, and a website targeting kids 9 – 16 years old. It is the first national public television series promoting financial education for elementary through high school students and was created by the same team that produced “Bill Nye the Science Guy”. continue reading »last_img read more

Dems use ignorance, hate to smear Syed

first_imgCategories: Letters to the Editor, Opinion I received a disheartening message recently. As the chairman of the Department of Surgery at Ellis Hospital, a disheartening message usually means a patient has received a terminal prognosis. In this case, the notice was far less critical, but just as disturbing. The Niskayuna Democratic Committee, whose candidates in this year’s election are Joe Landry, Denise Murphy-McGraw, John Della Ratta, Peter Scagnelli and Diane Percy, sent out a “mailer,” claiming that my daughter — at the top of the Republican ticket for this year’s elections — was racist, Anti-Semitic, and Anti-Muslim.How would my daughter, Yasmine Syed, harbor such beliefs? I’m a Muslim. So are three of her uncles and two of her aunts. Her mother, Anne Marie, is of Jewish descent whose ancestors barely evaded persecution in Hitler’s Europe, escaping to America after World War II. Yasmine is half-white, half-Middle Eastern, the daughter of both a Muslim and a Christian, the descendant of Jews. As a parent, I asked, “What did my wife and I do wrong?” I quickly realized we didn’t do anything wrong. It was Joe Landry and his team of Democrats who did something wrong. In Mr. Landry and his political counterparts’ ignorance and haste to smear my daughter and the Republican slate of candidates, they revealed a glaring oversight.They failed to even properly research their opponent. My daughter and all of our children are a living, breathing “League of Nations.” Being of Pakistani descent, she isn’t anti-Muslim. With a mother of Jewish heritage, she isn’t anti-Semitic. And being half-Caucasian, half-Middle Eastern, she isn’t racist. As Jesus said in Mark 3:25: “If a house is divided against itself, that house cannot stand.” Basically, Joe Landry and the Niskayuna Democratic Committee would have you believe my daughter is full of hate — for herself.If Mr. Landry and the Democratic slate don’t even know or respect our family, do you think they care about your family or what’s needed to make Niskayuna a better place? Since my wife and I moved here in 1982, this town has represented every good thing about America that I sought to enjoy when I emigrated from Pakistan in the 1970s.With this ugly, hurtful, and most importantly false mailer, Mr. Landry and his team reminded us of what our families sought to escape by coming here to America: accusations and innuendo based on personal politics or ethnic background. Niskayuna is better than this, and I know you are, too. Politely, I hope you’ll keep this in mind on Election Day, Nov. 7.Iftikhar SyedNiskayunaMore from The Daily Gazette:Puccioni’s two goals help Niskayuna boys’ soccer top Shaker, remain perfectNiskayuna girls’ cross country wins over BethlehemEDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homesEDITORIAL: Beware of voter intimidationlast_img read more