In 2004, wrongs started with a straw-buyer attempt to purchase the victim's property at 320 South Peck Drive, Beverly Hills, then offered for sale. The straw-buyer was Ms Nivie Samaan. Records, discovered much later, showed her lack of qualification. Her fabulously fraudulent loan applications stated that her source of funds was a business engaged in the online sale of Tarot cards, crystal balls, and divining rods... The transaction was to be financed by Countrywide Home Loans, a subsidiary of Countrywide Financial Corporation, through the fraudulent funding of government-backed residential mortgage loans.
By the early 2000s Jay Arre Lloyd (formerly Timothy Lloyd Morrow) was a convicted felon on financial crimes (embezzlement of ERISA funds) at Skyline Funding, Inc. By 2004, he was a "Loan Originator" for Countrywide Home Loans, and forged the fabulously fraudulent residential loan applications for Nivie Samaan - the straw buyer on Dr Zernik's Beverly Hills residence - in collusion with Countrywide's San Rafael Branch Manager Maria McDonald. By 2005, after the straw-buyer scheme had failed, Lloyd was running a much more elaborate fraud scheme in the Los Angeles Superior Court in collusion with Countrywide's Chief Legal Officer Sandor Samuels, a pack of Los Angeles Superior Court judges, led by Rampart Judge Jacqueline Connor, and some of the largest law-firms in the nation. All along, the Beverly Hills Police Department and its Chief David Snowden refused to accept fraud complaints against Lloyd. And the Beverly Hills City Council refused to hold the police accountable. Today JR Lloyd is President & CEO of the Beverly Hills Capital Group.
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The scheme was the brainchild of Mr Jay Arre Lloyd (formerly Timothy Lloyd Morrow), then a "Loan Originator" for Countrywide Financial Corporation, and later Ms Samaan's husband. Lloyd was then also a convicted felon on financial crimes (embezzlement of ERISA funds) at Skyline Funding, Inc, where he had been a senior officer. Today JR Lloyd is President & CEO of the Beverly Hills Capital Group. In deposition, Samaan admitted that Lloyd was the one, who forged her loan applications. The evidence shows that he did so with full knowledge and collusion of Maria McDonald, then head of Countrywide Home Loans San Rafael branch.
However, the straw-purchase scheme failed, since the preposterous fraud in the Samaan's loan applications was immediately detected by Diane Frazier, then Senior Underwriter in the Countrywide Home Loans San Rafael branch. As found out much later, Ms Frazier suffered serious retaliation for her honest conduct in this matter.
From 2005-2010, such wrongs continued through simulated court actions by Samaan against the victims. The cause of action was "Specific Performance" of a contract that was never filed by the Plaintiff in court, a classic case of Statute of Frauds... The preposterous claims were elaborated only much later - that the fraud victims had caused Ms Samaan's failure to obtain her mortgage loans from Countrywide.
Initially, Countrywide was not a party to the case at all. the seller had no business relationship with Countrywide, and did not even recognize the name "Countrywide" until late 2006. However, later it was discovered that on the opening page of the electronic Register of Actions (California docket) of the case in Sustain (IT system of the Los Angeles Superior Court), Judge Jacqueline Connor secretly and wrongfully listed Countrywide - "Real Parties in Interest".
Mr Sandor Samuels, then President and CEO of Bet Tzedek, doubled at the time as Chief Legal Officer of Countrywide Financial Corporation. On the Bet Tzedek web site he was described as holding the responsibility for all legal matters in Countrywide.
Moreover, at that time, Mr Samuels, in his capacity as Bet Tzedek President and CEO, advertised his ongoing "Fraud Buster" campaign against housing and mortgage fraud, conducted in churches and synagogues throughout Southern California.
Furthermore, when the fraud victim tried to seek help from local Los Angeles agencies, he was informed that Bet Tzedek was delegated by such agencies the responsibility for handling complaints, pertaining to housing and real estate fraud in Los Angeles.
Then and now, Bet Tzedek also advertises housing fraud as one of its areas of expertise.
Key event in this ordeal took place in June 2007 in the Bet Tzedek office on Fairfax Avenue in Los Angeles. By that time the fraud victim discovered that Countywide and its Legal Department were behind the fraud being perpetrated against him. Given Bet Tzedek's and Mr Samuels' then ongoing "Fraud Buster" campaign, and following the referral by local Los Angeles agencies, he filed in the Bet Tzedek office a request for help, personally addressed to Mr Samuels in his capacity as President and CEO of Bet Tzedek. Mr Samuels was asked to help in stopping the fraud, being perpetrated against him by Countrywide and its Legal Department.
Within 24 hours, the entire Bet Tzedek web site was down. When it came up again a few days later, there was neither mention of Mr Samuels' "Fraud Buster" campaign, nor of Mr Samuels himself on the Bet Tzedek web site.
However, a few days later, Countrywide and Mr Samuels launched a harassment, intimidation, and retaliations campaign against the fraud victim. The law-firm of Bryan Cave LLP started appearing in the court case initiated by Samaan. Attorneys from Bryan Cave LLP purportedly appeared in court on behalf of Countrywide, while lacking authority as Counsel of Record in the case.
The "unethical" appearance of unauthorized counsel, often with "no communications with client" clause, was a routine practice of Countrywide's Legal Department in courts throughout the Untied States under Mr Samuels' leadership, as was later fully documented elsewhere. [vii]
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