Finding Affordable Student Accommodation

Although many of us would like to be students it is the ongoing cost and expense that puts is off or indeed puts it out of our price bracket. Often this is simply because we haven’t looked at all of the options available to us.

For example you could assume that the accommodation recommended to you by the college or university you are studying at is the cheapest way to live away from home and study. However this isn’t always the case and you should always make sure that you explore all of the options.

This is where Student Bunk can really help you. The website was launched with students in mind, to give them a one stop shop when it comes to finding somewhere to live whenever they want to study. Covering most of the UK, you can easily search for the student accommodation nearest to your college or university no matter where you are in the country.

Not only that but the website has been designed to be easy to use, because everyone knows that students have much more important things to be getting on with! Easily search by the exact criteria of student accommodation that you are interested in and save yourself time because you don’t have to browse through the housing types that wont suit you.

Are you a landlord that has somewhere that you want to rent out to students in the local area? Student Bunk also helps you – letting you advertise your property on their website for free! This can save you a fortune in fees and rates as well as helping to ensure that you let out your property as soon as possible.

Student Bunk is always adding new properties, so even if you can’t find what you are looking for today it could be worth checking out tomorrow.

 

 

North Carolina Foreclosure Defense Attorney Brent Adams Fights To Stop Foreclosure Fraud

Prominent Consumer Stop Foreclosure Defense Attorney Brent Adams Is Calling On Consumers Throughout North Carolina And Nationwide To Not Back Down And Fight Against Illegal Foreclosures By Banks And Servicers.

FOR IMMEDIATE RELEASE

(Press Release) – November 28, 2011 – (RALEIGH, NC) – Consumer defense attorney Brent Adams has been describing the outrageous misbehavior of banks and servicers and the improper handling of foreclosures nationwide and it seems the courts are finally starting to listen. From the improper overcharging of fees seen by servicers, to the lack of sufficient possession, transfer and interest in the property to foreclose, Consumer defense stop foreclosure attorney Brent Adams, of Brent Adams and Associates has seen it all, fought against it, and has been able to show sufficient evidence to invalidate foreclosure claims, leaving the consumer as the real party in interest.

The letter of the law is black and white, and many foreclosures exist in what is described as that grey area, in which the law is not followed. The problem is that most homeowners don’t know the letter of the law and invalidate their rights to due process, thus allowing foreclosures to happen without proper inspection and validation.  In many instances, banks and servicers bring forth a claim of failure to pay, and attempt to accelerate the security instrument to the property. The nationwide problem that exists here is that regardless of what alleged debt may or may not be owed, there must first exist sufficient proof of possession, transfer, and interest by the foreclosing party. And therein lies the problem; banks and servicers nationwide are playing all in with an empty hand.

According to Attorney Brent Adams, it starts with knowing your rights as a consumer and a citizen. For years many consumers have had established relationships, personal and business dealings with these banks and services, so there exists a level of trust. It’s difficult for some consumers to believe this kind of illegal foreclosure even exists. Difficult unfortunately does not mean impossible.

Securitization of Mortgage backed securities is what has not only created this economic windfall, but is leading America on the brink of currency devaluation for the first time in our history. There is no clear path out of this mess. Regardless, consumers must do their own visual inspection, organize their documents, and object to foreclosure if their desire is to fight foreclosure and stay in the home.  It’s a process, and for most if not all consumers, this process is foreign. That’s why it’s even more important for consumers fighting to stop foreclosure fraud throughout North Carolina and nationwide, to learn as much as possible about the foreclosure process, gather the necessary paperwork, research to see if the loan was securitized, and then locate a capable and willing Attorney; or simply proceed to fight and stop foreclosure as Pro Se. In any case, the starting point for all consumers facing foreclosure is visual inspection, massive action, and objection.

To take our online North Carolina Foreclosure Defense Assessment Survey, please visit: www.ncforeclosuredefense.com for more information.

To learn more about what options are available to fight against foreclosure, please visit: www.ncforeclosuredefense.com for more information.


 

A Guide To Fighting Lis Pendens

Lis PendensForeclosures have been on an increase the last few months as many consumers nationwide, predominately throughout the larger states such as California and Florida, have been hit with recent quiet titleNotices of Default and Lis Pendens. A Lis Pendens is a Latin word for lawsuit pending, which is a form of notice of foreclosure, that is used widely throughout Florida, California and other states across the country. Lis Pendens applies primarly to Judicial Foreclosure states and gives formal notice that a consumer default has occurred and that a suit also known as a lien against the disputed property has been filed.

According to LisPendensx.com, the administrative process for a Lis Pendens works in 3 simple steps:

Step one is that proper notice must be given to the consumer (defendant) that a suit has been filed. This serves as a warning to the consumer that within approximately thirty days of the Lis Pendens filing date, a foreclosure shall commence unless a consumer takes affirmative action to stop the Lis Pendens foreclosure process. This stage is what’s referenced to as pre-foreclosure.

Step two of the Lis Pendens foreclosure process is for a hearing to be held. Here, the consumer has an attempt to contest the foreclosure on any grounds evdienced by material issues such as fraud, improper foreclosure, no rights and interest in the property etc. It’s at this stage that most consumers lose the foreclosure battle. Most consumers prodominately throughout Florida and California have fallen victim to foreclosure due to not being present at the hearing and contesting the Lis Pendens foreclosure.

Step three is where in which a consumer fails to contest the foreclosure and as a result, final resolution is issued and the property in reference goes to auction for sale to the highest bidder.

If a consumer refinanced or purchased their home within the last 10 years, then their exists up to an 86% chance that the foreclosing property was securitized, which means that chances are the foreclosing party does not have perfect chain of title, which is what is required to foreclose as a real party of interest. Consumers nationwide are waking up and realizing that their is a fight to be one. It’s an up hill battle for most consumers however, because it means getting educated on contract law, securitization, the uniform commercial code, and foreclosure defense. For the few however that have decided to fight their foreclosure with aims to quiet title of all liens that did not belong, the results nationwide have been momentous, as many consumers have fought and blazed a trial of what success methods to follow in order to not fall victim to foreclosure.

To learn more about Lis Pendens, Quiet Title, Securitization, Uniform Commercial Code, and the various other successful methods available to Stop Foreclosure Please Visit: LisPendensx.com

To learn more about Securitization, Lis Pendens, Uniform Commercial Code, Quiet Title and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://LisPendensx.com

Stop Foreclosure In California And Nationwide

quiet title action

 

In a brave move recently, California Attorney General decided to pull out of the nationwide foreclosure fraud settlement talks with the country’s largest banks. Many have asserted that the move is “bold” and negatively impacts the likelihood that talks will be successful, but even more people are now applauding Harris for standing up to the banks and not flinching under pressure. Since the beginning of settlement negotiations, Harris has started her own statewide investigation into the mortgage industry and banking practices, discovering many troubling practices that have lead her to draw out of negotiation talks.

California has been one of the hardest hit states, with more than 2.2 million people currently fighting to stop foreclosure. The proposed $20 billion dollar settlement previously on the table during talks would only help approximately 20,000 homeowners, barely making a difference. On top of that, the proposed widespread immunity for banks has been severely criticized. In short, the settlement is “inadequate” as she puts it, with assistance helping far too few homeowners.

The recent surge in foreclosures and foreclosure filings has further strained the negotiation talks. From August to July, the number of foreclosure notices rose over 72% in southern California, while in central and northern California it rose approximately 82%. Some lenders have even increased local filings by up to 212%, a clear indication that the Big banks are taking their foot of the break and plowing forward with foreclosures.

Harris has further expanded the statewide investigation to include the entire mortgage lending process, the origination of loans, their servicing, how they are securitized, and purchased and sold on the secondary markets. Several other states including New York, Iowa and many others have initiated their own investigations into the mortgage and foreclosure process, and have similarly voiced their opinion against the current negotiation talks. So far Harris has been the only Attorney General to officially pull out of settlement talks.

Hopefully this will serve as a positive example to other states and start the beginning of the banks being held accountable for their actions. For too long they have gotten away with everything but murder, and not been held liable for it. Foreclosure fraud, illegal mortgage and foreclosure practices and fraudulent tactics have left millions of homeowners without a place to call home, robbed of their hard-earned home and memories.

In order for real accountability to begin to take place, homeowners must also stand up to the big Banks and fight for what is rightfully theirs. The big Banks and Pretender Lenders rely on people not knowing the facts or the truth about their rights. And the sad fact is if homeowners would simply take the time to learn the truth and facts they would have a real opportunity to avoid foreclosure and keep their home.

To learn more about Quiet Title, Securitization, Uniform Commercial Code, and the various other successful methods available to Fight Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is the leading website that provides consumers’ with a complete A-Z step by step stop foreclosure defense tutorial library backed with case victories based on information that has helped 1000’s of consumers Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

Stop Foreclosure: Fraud on the Consumer is Fraud on the Courts

stop foreclosure fraud

The AG of Nevada is allegedly applying increased stop foreclosure pressure in the battle with BofA and its subsidiary, Countrywide Mortgage, or perhaps this is just another side show.

The AG has just requested the court’s authorization to revise an earlier complaint to incorporate additional claims that stem to mortgage origination and servicing.

In the amended and most recent filing, the filing allegedly contains language that argues that Countrywide violated a 2009 consent judgment which includes failing to provide loan workout plans to eligible borrowers; failing to make decisions on loan workout plans, on average, within sixty days of receiving requests from Nevada consumers; and taking action to begin or proceed with foreclosures while consumer’s workout requests were in limbo.

According to ForeclosureFraudExposed.com, the updated and amended filing contains new allegations with language that states that the consent judgment was violated when it allegedly increased consumer’s interest rates and monthly payments, leaving consumers worse off; and when it required consumers to provide extensive documentation to qualify to for workout plans, despite the consent judgment’s promise of streamlined adjustments.

According to ForeclosureFraudExposed.com, this level of alleged increased pressure will not amount to any material gain or benefit for consumers plagued with foreclosure and foreclosure fraud. The fact remains that the country’s current banking system has been awarded the freedom of widespread crime, negligence and abuse of power. Stopping foreclosure and justice for individual consumers can only be met if a consumer decides to take affirmative action and fight for what is rightfully theirs. This would entail contesting an alleged foreclosure as thousands of consumers are now doing nationwide, and affording an individual consumer to have their day in court.

The rights however, of many consumers nationwide, have been invalidated by consumers’ lack of understanding that foreclosure is in fact a choice; not a right. Pretender Lenders that do not possess a valid transfer or assignment of a mortgage note and deed of trust are not entitled with the alleged right of material interest in a stated property unless a consumer decides to not object to what is a clear and obvious instance of improper foreclosure and foreclosure fraud. Fraud on the consumer and fraud on the courts.

To learn more about Quiet Title, Securitization, Uniform Commercial Code, and the various other successful methods available to Fight Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is the leading website that provides consumers’ with a complete A-Z step by step stop foreclosure defense tutorial library backed with case victories based on information that has helped 1000’s of consumers Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com


 

Stop Foreclosure: Foreclosures in California Skyrocket over 200%

The recent “good news” for California homeowners that foreclosure filings were down over the past several months has been short lived. Banks have increased their foreclosure filings in California by over 200% from July to August, with nearly 60,000 new foreclosure filings on properties statewide, while nationally the foreclosure rate rose over 7% and mortgage defaults jumped 33%.

According to ForeclosureFraudExposed.com, most of the foreclosure filings were Notices of Default, which is the first step in the foreclosure process in non-judicial states. Non-judicial states do not require a Bank or Servicer to go through the court system in order to foreclose on homeowners, nor do they have a judge mediate or oversee them, leaving homeowners in these states at substantially higher risks of falling victim to foreclosure fraud. In many cases, the Bank or Servicer simply files the paperwork with the county courthouse and the foreclosure is approved, that is unless the homeowner defends their property and fights back to stop foreclosure fraud.

Banks have claimed that the spike in foreclosure filings was due to a backlog of delinquent mortgages that were initially held held off from being processed. But now, Banks and Servicers are back in gear and cranking notices of default out, so it seems. All major U.S. Banks have began to file an increasing number of foreclosure filings, as already indicated by the rise in foreclosure rates and filing over the past 45 days, the highest rates we have seen this year thus far.

The big Banks are sending a clear message to homeowners – the foreclosure moratorium is over and they are back to processing as many foreclosure as they can.  The time for homeowners to act is now. If a person is serous about defending their home they must take steps to defend what is theirs and learn what they can do to stop foreclosure.

To learn more about Quiet Title Action, Securitization, the Uniform Commercial Code, and the various other successful methods available to Stop Foreclosure Fraud, Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is the leading consumer defense website that provides consumers’ with a complete A-Z step by step stop foreclosure defense video tutorial, backed with case victories based on information that has helped 1000’s of others Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about Securitization, Uniform Commercial Code, Quiet Title and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

 

Octomom Facing Foreclosure – A Stop Foreclosure Lesson For All Consumers

 

Nadya Suleman, better known as “Octomom,” has been in the news for many things over the past few years – most notably giving birth to her octuplets, a failed attempt at a celebrity bikini car wash, numerous plastic surgeries, and other attempts at trying to capture some fame and money. But now she is in the news because of her home in Orange County, soon former home. The mother of 14 hasn’t made a mortgage payment in over three years and is now facing foreclosure on the property that she has let go to shambles.

This is an example of exactly what homeowners should not do. She has not done any research or investigation on the property or the alleged Bank who currently holds the mortgage to establish a potential stop foreclosure defense she could raise in order to fight foreclosure and stay in her home. For the past three years she hasn’t built a stop foreclosure defense or made any attempts to keep the property, she has obviously just “let it go” and is fine with giving it back to the Bank or Pretender Lender who doesn’t deserve it. Again, a classic example of what not to do.

The sad fact is that if she did some research and investigation, or hired a legal representation to do it for her, there is a good probability that they would have been able to build a solid foreclosure defense and uncover some elements of foreclosure fraud. With over 85% of the mortgages in the United States securitized and not properly recorded, many homes have broken chains of title making it extremely difficult for any Bank or Pretender Lender to establish they have the legal right to foreclose. Even more common today is the rampant foreclosure fraud that has swept the nation. “Robo-signers,” missing and fabricated mortgage assignments and documents, invalid dates and notaries, and many other factors make it even harder for any Bank or Pretender Lender to seize someone’s home.

To learn more about Quiet Title, Securitization, Uniform Commercial Code, and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is the leading website that provides consumers’ with a complete A-Z step by step stop foreclosure defense tutorial library backed with case victories based on information that has helped 1000’s of consumers Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about Securitization, Uniform Commercial Code, Quiet Title and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

Stop Foreclosure Defense – Important Things to Be Aware Of

Consumers who have decided to fight for their home and embrace stop foreclosure defense methods either on their own or with an attorney are on the right path, but have many important things to be aware of. The foreclosure fraud that has permeated the housing market is not just limited to the big banks, servicers and pretender lenders. Foreclosure Defense Attorneys themselves have been found to be “double dipping,” meaning simultaneous employed at the Banks and as a foreclosure defense attorney for consumers, which is a clear conflict of interest.

If you are one of the hundreds of thousands of consumers facing foreclosure fraud, then you are well aware that stop foreclosure defense is nothing to take lightly. A good foreclosure defense can mean the difference between saving your home and losing it. According to Rick Haughton of ForeclosureFraudExposed.com, the key to success for consumers fighting to stop foreclosure is belief, information and action. “Whether consumers are screening attorneys to represent them, or have decided to represent themselves in their foreclosure fraud matter, consumers must be willing to put the leg work in themselves, thereby ensuring that they have a solid foreclosure defense and that all “T”s are crossed and “I”s are dotted.”

Haughton further states that if a consumer has decided to seek legal aid, proper screening of each prospective attorney must be conducted with tact.  Seeking representation has little to do with cost, and what most legal aids fail to mention is that costs can be recouped on the back end once a victory has be gained. “This means requesting all past foreclosure case losses and victories, as well as determining whether any potential conflicts of interest exist,” stated Haughton.

Consumers would be surprised how many alleged professionals work for the foreclosing parties while “moonlighting” as foreclosure defense attorneys on the consumer side.

Knowledge is true power when it comes to stop foreclosure defense and establishing a solid case. By knowing the facts about foreclosure, contract laws, the foreclosure process, and the many options available to stop foreclosure, consumers can empower themselves to act from a place of information and belief verses doubt and fear.

To learn more about Quiet Title, Securitization, Uniform Commercial Code, and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is the leading website that provides consumers’ with a complete A-Z step by step stop foreclosure defense tutorial library backed with case victories based on information that has helped 1000’s of consumers Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about Securitization, Uniform Commercial Code, Quiet Title and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

 

Quiet Title: An Offensive Weapon To Stop Foreclosure Fraud

quiet title

Quiet title is an offensive weapon to Stop Foreclosure Fraud that closes any disputes over claims, encumbrances, or liens to a property. This legal action is resorted to put to court the eligibility of the claim in a property and let the law scrutinize and decide whoever must own the property. In instances involving foreclosure fraud, a quiet title action could be the greatest offensive action a consumer could take if the desired goal is to stop foreclosure and save the home.

The plaintiff of a quiet title action can either be the owner of the property being defended or a lien- holder who claims that the property should be theirs to own. After the decision is made by the court, all the records will then be put to account in the property’s title registry as well as the civil court clerk’s office to solve whatever further impeding disputes that might come again. According to ForeclosureFraudExposed.com, a quiet title action is brought to remove a cloud on the title so that plaintiff and those in conflict with her may forever be free of claims against the property.

The grounds for a consumer to file quiet title action are numerous and they vary depending on the foreclosure situations. The more common reasons for consumers to seek quiet title action deal with adverse possession, where the true and real party with interest wants to the full possession of the property; Torrens title registration: an action which terminates all unrecorded claims; treaty disputes between nation boundaries; surveying errors; and fraudulent passage of property caused by a possible coercion or falsified deeds, transfers and assignments such as in cases that involve Mortgage Electronic Registration Systems and other Pretender Lenders.

According to ForeclosureFraudExposed.com, for consumers’ nationwide who have attempted and failed to stop foreclosure fraud, the biggest factors in most instances of failure were due to a consumers’ lack of preparation, research, and understanding of the facts in their arsenal of legitimate evidences. Whether the consumer fighting to stop foreclosure fraud is new to the various aspect of foreclosure offensive and defensive techniques or a savvy professional that practices in this specific field, the most valuable piece of information to keep in mind that in order to have a solid plan attack to stop foreclosure fraud, a consumer or savvy professional must have a solid plan of defense lined with all evidences of foreclosure fraud.

Preparing to stop foreclosure fraud with a quiet title action, although time consuming, can be a rewarding experience if the evidences in a consumers’ claim are valid and structured properly. A consumer or savvy hired professional has to take in mind all the miniscule details like visiting the Register of Deeds, combing through all files to find out if the loan made was securitized, and checking and double checking all documents on record for any traces of fraud. Furthermore, a consumer must also be willing to do extensive case studies research to determine the best case strategy that matches their situation and has provided victories to other consumers’ who have fought to stop foreclosure fraud on the same grounds.

According to ForeclosureFraudExposed.com, keeping note of all points mentioned above will serve as a great factor in delaying and stopping foreclosure fraud, while placing the consumer in the best possible position to come out victoriously.

To learn more about Quiet Title, Securitization, Uniform Commercial Code, and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is the leading website that provides consumers’ with a complete A-Z step by step stop foreclosure defense tutorial library backed with case victories based on information that has helped 1000’s of consumers Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about Securitization, Uniform Commercial Code, Quiet Title and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

 

Consumers Nationwide Fight To Stop Foreclosure Fraud and Uphold Constitutional Rights

stop foreclosure

Consumers throughout the United States fighting to Stop Foreclosure Fraud have made what appears to be an all out attack to defend not only their properties but their Constitutional Rights, specifically the Fourteenth Amendment, which was passed during the “equality movement” and Civil Rights Act of 1866.

The Fourteenth Amendment to the United States Constitution was given birth on July 9th, 1868 as one of the Reconstruction Amendments. In these Reconstruction Amendments, the all important Due Process Clause came into existence. The Due Process Clause was created to prohibit states and local governments from depriving persons of life, liberty, or property without due process of law. Ironically enough however, Pretender Lender Banks attempt invalidate consumers rights and the Due Process Clause through negligence, misrepresentation and blatant theft of property.

According to ForeclosureFraudExposed.com, this blatant act is what’s known as Foreclosure Fraud and consumers throughout California, Florida, Michigan, Illinois and the rest of the great states have woken up to this fact. The fact still remains however that if efforts to Stop Foreclosure on a united front aren’t continued, Constitutional Rights and Civil Liberties will disappear, throwing consumers back into the pre Civil War Era.

The Foreclosure Process is constructed by a set of rules administered by states under what’s known as judicial and non judicial law. Under these established laws, Pretender Lender Banks attempt to by-pass the administrative process and accelerate the foreclosure process. This by-pass or acceleration without perfect compliance and notification to the consumer is Foreclosure Fraud and this act invalidates the Fourteenth Amendment Due Process Rights of consumers.

Rights and civil liberties are threatened each day and when consumers don’t take time to properly educate themselves on the foreclosure process, the administrative process, and state regulations. Consumers have the right to remain silent, but silence alone is often times construed with admission or the acceptance of an act, which is the biggest mistake found in surveying consumers facing foreclosure.

Thousands of consumers have successfully fought to stop foreclosure, yet tens of thousands more are still affected by foreclosure fraud each month because of blatant ignorance. According to ForeclosureFraudExposed.com that also is a crime on the part of the consumer. As a consumer it is your responsibility to educate, research, and understand the foreclosure process. Often times, consumers chalk up their success or failure to stop foreclosure to hired legal representation. While this serves as a valid option, what must be clear in the eyes and minds of the consumer is that Foreclosure Fraud and Due Process Rights are subjects that were not covered on the bar exam, therefore it’s the consumer who must have a strong fundamental understanding of Foreclosure Fraud and how their rights were invalidated. This is a process that thousands of successful consumers have taken to stop foreclosure and save their homes; and this is a process that works.

To learn more about Securitization, Uniform Commercial Code, Quiet Title and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is an Exclusive Members’ only website that has compiled step by step foreclosure defense video guides and case victories based on information that has helped 1000’s of consumers Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about Securitization, Uniform Commercial Code, Quiet Title and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com