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Help Me Stand Up
to Financial Fraud



By Donating Money to Fund My Case Against:

Goldman Sachs
HSBC
Fremont
Litton Loan
Ocwen

Hi. My name is Veronica Williams. I need your help to right the wrongs that major financial institutions have done. First, a little about me. I was fortunate enough to have attended 3 of the top universities in the world – Brandeis University, École Superieure des Sciences Économiques et Commerçiales in France and Northwestern University’s Kellogg Graduate School of Management. I hold a MBA in Finance and Economics followed by over 30 years of working for and with global firms. And yes, I was one of the thousands of people defrauded by some of the world’s leading financial institutions. I tried to work with them for a few years; then I was forced to file a legal claim against Goldman Sachs, HSBC, Ocwen, Litton Loan and their collaborators. Since their deception, I have lost almost everything I’ve worked for over the past 45 years, been hospitalized 6 times including 3 that were stress induced, and come close to losing my life at least 5 times. Yes me, the woman who has been diving with sharks, started my first business with little money, and have taken on many challenges that others fear. I am in a unique position to make banks and insurance companies think twice before committing financial fraud by winning damages from deceptive, predatory actions of major players and also expose flaws in our country’s financial system. These flaws must be fixed. I will not give up. But I need your help. Goldman Sachs and HSBC have used legal maneuvers to dismiss my previous suits, remove their counsel as defendants in my current legal action, and now are playing the “I’ll delay you until you run out of money” strategy. It has been over 5 years and I still have not had my day in court. My goal is to empower my counsel with as much money as you will contribute. A lot of money is necessary to fight this battle. I’m in it to win it. BUT, my effort to fix the problems will not stop after I prevail in court. My commitment is to level the playing field in financial services; by working to create a win-win set of laws, policies and procedures for all Americans. Yes, it can be done. But first, I must win my legal battle. So please help me. I’ve been driven from prosperity to welfare. Though I’m working hard to regain my health and finances, I cannot do this alone. Thank you for contributing what you can.


HEALTH DECLINE

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CONTRACTS LOST

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JOBS DENIED

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TIMELINE
Click For Details
A 30 YEAR JOURNEY


August 25, 1983 VW Closed on 541 Scotland Road for $100,000 (purchase $83,000) City Federal Savings & Loan
Dec. 4, 1986 City Federal Savings & Loan for $88,000 (to lower interest rate)
1986 Main Street Mortgage(bought-collected for City Federal Savings & Loan)
Dec. 4, 1986 Chase Mortgage -- HELOC -opened to lower cost of credit and lock in low rate and good terms (25 year strong payment history)
April 25, 2002 Aames Home Loan - new mortgage, refinance(to lower interest rate)
2002 PCFS Mortgage bought from Aames(balance was under $80K)
Late 2004 or 2005 Litton Home Loan - bought my mortgage from PCFS(unduly added $40-80K to principal)
March 27, 2006 Refinanced with Fremont Loan to get out from under Litton Loan
2009 Litton Home Loan bought from Fremont Investment & Loan
2009 Litton Foreclosed
Sept. 1, 2011 Ocwen bought from Litton Loan
Mar 8, 2012 Litton Foreclosure Dismissed
April 2012 Chase moved account to collection – foreclosure
2011-2014 HSBC & Ocwen trying to bully me into paying more than I owe; they refuse to give transaction history
Feb. 2014 Foreclosure granted to HSBC who filed on behalf of Ocwen
June 2014 Court Orders Mediation


A PATTERN OF DECEIT


2002 PCFS Mortgage bought from Aames(balance was under $80K)
2005 or 6 Litton Home Loan - bought from PCFS Did not acknowledge all payments& unduly added $40-80K to principal
March 27, 2006 Immediately refinanced with Fremont Loan to get out from under Litton Loan
Dec. 10, 2007 Goldman Sachs buys Litton Loan
Dec. 2007 Goldman Sachs-Litton Loan team begins series of fraudulent actions
2008 Fremont Investment and Loan focus of suits from many homeowners
June 2, 2008 Litton acquires my mortgage from Fremont
Nov 2008 Williams approaches Fremont-Litton Loan to determine terms, conditions, rates and requirements for modification. Litton assures it will be approved and defines financials and info needed to application. Weighs modification with Fremont-Litton or refinancing with another firm
2009 Litton Home Loan bought from Fremont Investment & Loan
2009 Litton Loan assures VW they are reputable now that Goldman Sachs owns them and will operate with integrity. They repeatedly assure Williams that they will offer a modification that is better than refinancing with another mortgage company
Jan 2009 VW Decides on Modification with Litton Loan rather than refinance with another bank
Feb. 2009 Williams submits Formal request for modification in writing Feb. 2009
March 2009 Litton said wait and do not pay for at least 3 months to get modification
May 2009 Litton offer written modification, from them not from Federal program as indicated
June 2009 Litton tells me modification will be forthcoming so I begin plan to pay non-secured debt to position myself for improved credit rating
July 1, 2009 Modification payments delivered to Litton
July 2009 Litton serves me with foreclosure papers
Aug. 2009 Litton returns checks via US Mail while telling me that modification is underway.
Aug. 22, 2009 Williams sends letter to Larry Litton Sr. & Jr., and others, explaining why foreclosure should be removed
Sept 14, 2009 Litton tells me check were returned in error; resend checks. I send checks back to Litton so they will complete modification. Litton assures me that modification will be approved.
Sept 25, 2009 Litton promises to delay while they work on approving modification
Sept. 2009 I proceed with restructuring my debt, selling another property at a loss to reduce debt, to lower carrying cost of pending job and impending task orders
Fall 2009 Litton accepts checks sent a second time; issues a new modification and gives written confirmation of modification
Oct. 28, 2009 Litton accepts all payments, sent via FEDEX
November 2009 Williams responds to Federal security clearance officer, conveying that Litton has received all required payments Litton told me that modification was forthcoming
Dec. 2009 Litton proceeds with court action to secure foreclosure
Jan. 17, 2010 Letter to Larry Litton from V. Williams
Jan 2010 – March 2010 Litton continues to accept and cash certified payments after foreclosure was granted but does not remove foreclosure
February 2010 Williams fails security clearance
March 2010 Williams'’ company loses GSA Schedule
May 2010 US Dept. Homeland Security retracts job offer
May 2010 Williams' steps up efforts to pack up home and move in tenants
July 2010 Williams’ starts physical therapy
Sept. 3, 2010 Federal Reserve responds to Williams’' complaint about Litton. Letter said that checks that had indeed been received (proof available), had not been received.
December 2010 Williams files complaint against Litton with NJ Court
2011 Williams files complaint with Superior Court of NJ against Litton Loan and Goldman Sachs - Essex L-000081-11
February 2011 est Williams fails security clearance
April 7, 2011 Williams undergoes major surgery (hip)
July 2011 Williams’ knee gives out and she starts physical therapy
Aug. 3, 2011 Letter from HSBC refusing to intervene in foreclosure & fraud
August 6, 2011 Williams files motion to amend complaint with NJ Court & Serves Goldman Sachs-Litton
Aug. 28, 2011 Hurricane Irene (#4021).
Sept. 4, 2011 Superior Court of NJ grants motion by VW against Litton Loan & Goldman Sachs - Essex L-000081-11
Sept. 14, 2011 Goldman Sachs attorneys have case Essex L-000081-11 dismissed on technicality. Best move for VW was to withdraw and file later.
Sept. 22, 2011 Williams undergoes major surgery (knee)
Jan. 2012 Unemployment runs out
March 8, 2012 Litton Foreclosure Dismissed
April 2012 Chase moved account to collections-foreclosure department
Aug. 13, 2012 FEMA approved partial grant for Hurricane Irene Additional damage assistance denied.
2012 Ocwen threatens foreclosure – refuses to review transaction history and correct mortgage errors, nor make an effort to reach a reasonable solution to fraud and other charges
Sept. 2012 Hospitalized –- Stress related condition
Oct. 2012 Hospitalized - Stress related condition
Oct. 29, 2012 Hurricane Sandy (#4086)
Jan. 2013 Hospitalized – Stress related condition
Jan. 22, 2013 FEMA denied grant for Hurricane Sandy
March 11, 2013 Letter from SEC refusing to release agreement
June 2013 Denbeaux & Denbeaux files complaint with Superior Court of NJ on behalf of V. Williams: VW against Fremont & Litton Loan & Goldman Sachs & HSBC & Ocwen & others - Essex L-004753-13
Feb. 2014 HSBC gets foreclosure Essex F-000839-13 approved on behalf of Ocwen – Litton Loan – Fremont et. al. – still has not provided information requested to rectify mortgage disparity
Feb. 2014 Responded to request from Federal Working Group on Mortgage Fraud
June 2014 Court Issues Mediation Order


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