Kathleen Marie Melincavage 630 Marino Avenue Blackwood, NJ 08012 Cell: 1-609-685-7474 Fax: 1-856-210-1631 Creditmom1@yahoo.

com September 8, 2011 Attorney General Paula T Dow P.O. Box 080 Trenton, NJ 08625-0080 RE: Banks Immunity Dear Ms. Dow: This is in response to the recent news that some of the Attorney Generals of the United States have decided to make a deal with lenders and servicers to compensate the states in exchange from immunity to criminal prosecutions, I would like to send this letter in response to that and believe that you will be making a grave mistake against the homeowners that are in the process of filing suits for unlawful activity, which would hinder the remedies that they will be seeking in the State and Federal Courts. I am one of the homeowners that have been fighting with my nominal lender for their unlawful activities and will continue to fight, but with you granting immunity it will hinder and they will get away with a slap on the wrist. In no way are we as homeowners looking for a free house, just a justifiable settlement that will make all parties including the state very happy. The word on the streets is that because we have not paid our mortgages it is because we are dead beats and that is far from the truth. We all know that if we have created the schemes and scams that the nominal lenders have done, we would have been made an example out of and as all criminal attorneys say the law is the law and when a individual breaks the law the consequences will follow, just because the nominal lenders are corporations you as attorney generals are saying that there are two sets of standards, especially with the special interest groups that are lobbying for them. I will tell you my personal story and you can contact me at your earliest, if you chose to whether you contact me or not I will continue to fight. In 1999I bought my house using PNC Bank as my original nominal lender, my mortgage was sold and never received my original promissory note back from them, but that is a separate story, next I chose to refinance with American Financial Resources who in turn sold the loan to Waterfield Mortgage who when satisfied has been the only company that returned my original promissory note and mortgage with the allonges, I than refinanced again with Wilmington Financial a division of AIG Federal Savings Bank, who allegedly sold to HouseHold Mortgage Services with no record of that exchange in the Camden County recorders Office supposedly they used MERS as nominee for the transaction no documentation was every provided to us

regarding this (I found this out 2011 was unaware of the schemes that the lenders were playing in 2004, 2005, 2006) Well in 2006 I refinanced on last time with House Hold Finance Corporation III allegedly. In 2009 I became aware of what the nominal lenders and servicers were doing and that is when I started to investigate, sent several qualified written requests which the nominal lender would only provide what I could pull up in the county recorders office, which was unacceptable. Well we were served with foreclosure papers in 2010 and once again requested information and were given the same story and the same papers. I continue to ask for different documents and still receive garbage, as a matter of fact February 24, 2011 I filed Chapter 7 bankruptcy and the nominal lender had assigned the case to a bankruptcy attorney in Georgia to do a reaffirmation agreement, I questioned the credentials of the attorney with no response and no proof of claim was filed in the bankruptcy nor any objections or motion to lift the automatic stay, the trustee abandoned the property for lack of equity and the debt was cleared as unsecured, well to this day House Hold is still sending me statements after discharge demanding payment and still moving forward in the lower court with final judgment, I have sent several letters to the judge letting her know that she no longer has jurisdiction over this case since it was settled in another venue and that is where they will have to argue. I have also brought up many issues in the lower court about standing, which HFCIII lacks as not being licensed as a foreign corporation in the State of New Jersey since 2008, as well as HFC. Also in my research it has been brought to my attention that HFCIII and HFC and HSBC are all separate entities with separate tax filings, and EIN numbers and so forth, so if in fact the purported loan had been sold to HFC and or HSBC they have not recorded the information in the Camden County Recorders office. I would like assistance from your office but my main target right now is for you not to grant immunity to these thieves because the States coffers are empty there are other ways to get restitution for the coffers and prosecute them for their wrongdoings. Because even if you give immunity people will still be out on the street and the other programs that the state offers will be strained thin, let the homeowners fight the fight and be compensated, because with the compensation the homeowners will put back into the economy and prosper the state again the correct way. To summarize this story because we can go on forever about this and you have probably read more stories like mine, anyway you need to allow the homeowners to fight and for the homeowners to get their remedy in court using the laws that were put into place. Please reconsider your options and fight for the homeowners that you were appointed to protect and serve. As always. Kathleen Marie Melincavage