vicki lee kennison. owner/lender at homeland mortgage review: mortgage fraud, harassment, & predatory lender.

I am seeking help or advice with my multiple lawsuits. I need a lawyer, legal aid, paralegal, or student. Any help from: government agencies, law enforcement; anyone dealing in: fraudulent, predatory loan, mortgage & foreclosure fraud, criminal activity, business malpractice, harassment. I need a Robin Hood. Help the right & unjustly treated. Please email or, call # [protected], alt. [protected].
Get the word out now, before this private lender keeps victimizing more Tampa area resident. Homeland Mortgage Co., @ 6804 N. Armenia Ave. Tampa, FL. She has defrauded many. Someone needs to help stop her. Need a local Robin Hood to expose her. I have criminal evidence. She forged notary signatures. This lender purposely preyed on me with a hard equity loan. She made my mom sign off on the title. She refused my pymts, which allowed her to foreclose. She took advantage of me because she knew that I have a brain tumor, Hyperprolactinemia, fibromyalgia, & a bad heart. She knew that my fiancé had just taken his life/suicide. She knew that the grandparents & State had just taken my son because of false allegations by the grandparents. If someone would investigate my case, they would find even more fraud. The reason that I sought this mortgage initially was to have funds to fight for custody of my son. His dad is deceased, having taken his life, in 2002. I lost my sons father, my son, and now, soon my home. I am on disability, and getting SSI. I am barely able to afford my bankruptcy home pymts. I am sure that foreclosure will, resume. My family and I will be homeless. I am disabled, my mother, who is elderly, is disabled; I have children, three grandchildren, & one baby. We will all be homeless. Case # 8, is against Ticktin law group. They did not inform me of the trial nor sale date. (I have documented evidence to this). I lost my trial, & had to get the sale reversed, myself. I need anyone's help, advice. Multiple courts, are scheduling my cases for hearings. I have a hearing scheduled, in Lakeland appeals court. (Mortgage/foreclosure). Bankruptcy court (Tampa). Hearing is scheduled for Sept. 4, 2013. Hearing to dismiss case, & object to creditor's claim. I am now in my third case of bankruptcy. Last year, my lender managed to convince the trustee to double my pymts. She is claiming that I owe money that I have proof that I do not owe. My bankruptcy case was dismissed last year due to this. She forced me into foreclosure, by refusing my pymts (mortgage co, in Tampa, FL). She is a private individual, lender, & not a bank. I have saved many phone calls the lender had made. I have a DVD disk full of abusive, threatening, and harassing phone calls. The lender had called both my family and me. I have done all of the footwork, for you. I have gathered & organized all evidence, in all of these cases. I have pulled up other mortgages/foreclosures, via clerk/court search. I have printed all of these said cases. She has defrauded many others in Hillsborough, Pasco, and Pinellas Counties (FL) and in many other states. She has used five different aliases. I have gathered all of my evidence, against my mortgage lender. I have found fraud, in most of my documents. As well as the fraud in her other victim’s loans. I have highlighted specific FL Statutes she has violated. She has been defrauding people, since 1974. I have pulled up mortgage/foreclosure records on her, via court searches. I have found several instances of fraud, & predatory lending. Evidence in others & my loan/court documents. I have tried contacting government agencies. I have sought help to report her, & look into my case. I have even contacted news channels, etc. Newschannel8, "Stacie", stated that, "if I ever win lawsuit against her, or gather more victims, she will broadcast my story on TV." I am even willing to represent myself in court. I would like legal advice, on what to file. I need to gain more knowledge, to represent myself. My entire life is one big legal nightmare. I have been in courts over these cases, since 2003. I have an appeal in Lakeland for foreclosure/mortgage case. I have preliminary hearing with bankruptcy court in Tampa, on Sept. 4, 2013. If interested, please contact Roxanne call, text, or email. Phone # [protected]. Alt. # [protected].
The lender had posted this rebuttal in reference to my complaint on /link removed/
Updates & Rebuttals
#1 REBUTTAL Owner of company
THERE ARE 2 SIDES TO EVERY STORY
AUTHOR: HOMELANDMORTGAGE CORP - (United States of America)
SUBMITTED: Thursday, September 13, 2012

I have been in business since 1988, this person that is writing all these untruths is actually hurting herself . I had given her every opportunity to bring her mtg current, I even paid out of my pocket one year of her taxes. I HAVE A LETTER WHICH WAS PRESENTED TO THE COURTS FROM HER STATING WHAT A WONDERFUL PERSON I WAS TO HELP HER TO TRY TO GET HER SON BACK...I do not have any violations against me nor ever have in all my years of business. I have attended FORECLOSURE COURTS WITH HER, i HAVE ALL MY documentation in order...i HAVE ATTENDED MEDIATION (WHICH SHE DID NOT APPEAR FOR AND WASN'T RETURNING HER ATTY'S CALLS BUT WE TRICKED HER AND GOT HER ON THE PHONE FOR THE JUDGE TO QUESTION HER OVER THE TELEPHONE) WE ARE CURRENTLY IN A PENDING FORECLOSURE AND HER MOTHER CALLED ME A WHILE BACK ASKING FOR ME TO MAKE THE LOAN TO HER OTHER DAUGHTER...I DECLINED.If you don't pay your mortgage how can you expect to stay in your home? I have nothing to hide, the reason her payment has increased is because she has not paid for so long...it is almost over. Personally, the choices we make in life are sometimes the wrong choices and this is how we learn...I persoanally tried to help her NOT HURT HER BUT some you just can't help. MY ATTY IS TONY PRIETO AND FEEL FREE TO CALL HIM AS I AM PASSING THIS ON TO HIM AS I HAVE NO HARASSMENT CASES, NO FRAUD, NO PREDATORY LENDING, CASES PENDING OR FILED...I HAVE PASSED ALL MY FEDERAL AND STATE EXAMS, I HAVE BEEN FINGERPRINTED FOR STATE AND FED, I HAVE BEEN INVESTIGATED BY THE FED AND STATE FOR MY LICENSE AND I HAVE NO CRIME RECORDS AND I AM IN GOOD STANDING IN MY BUSINESS.
This is a response that was posted on this same site to her rebuttal. Not to mention the fact that she states that the judge had tricked me. Isn’t this slander? A JUDGE WOULD NOT PUT THEMSELVES ON THE LINE BY TRICKING SOMEONE ON THE PHONE WITHOUT THEIR KNOWLEDGE AND BASE THEIR DECISION ON THAT INFORMATION! This is a two party state and the judge would only allow a warrant for a wiretap. In addition, if she would trick me in court, wouldn’t she trick me in a mortgage as well?
#1 General Comment
Kennison is wrong
AUTHOR: Geep300 - ()
SUBMITTED: Sunday, August 25, 2013
Ms. Kennison is WRONG. I have revued the entire file in "Ms. Dennis'" possession. Here are a few of Kennison's violations:
Florida Statutes
494.0016 Books, accounts, and records maintenance examinations by the office.--
(1) Each licensee shall maintain, at the principal place of business designated on the license, all books, accounts, records, and documents necessary to determine the licensee's compliance with ss. 494.001-494.0077.
(2) The office may authorize maintenance of records at a location other than a principal place of business. The office may require books, accounts, and records to be produced and available at a reasonable and convenient location in this state.
(3) All books, accounts, records, documents, and receipts for expenses paid by the licensee on behalf of the borrower, including each closing statement signed by a borrower, shall be preserved and kept available for examination by the office for at least 3 years after the date of original entry.
(4) The commission may prescribe by rule the minimum information to be shown in the books, accounts, records, and documents of licensees so that such records will enable the office to determine the licensee's compliance with ss. 494.001-494.0077.
History.--ss. 7, 50, ch. 91-245 s. 4, ch. 91-429 s. 5, ch. 99-213 s. 519, ch. 2003-261.
*Ms. Kennison's attorney, Anthony Prieto Submitted to the court, when supoenaed, that, " A motgage file does not exist."
CH. 687.08- PERSON LENDING MONEY TO GIVE BORROWER RECEIPT FOR PAYMENTS; CONTENTS OF RECEIPT; PENALTY FOR VIOLATION. (1) Every Person, Or The Agent, Officer, Or Other Representative Of Any Person, Lending Money In This State Upon Security Shall, Whenever The Borrower Of Such Money Makes A Payment Of Any Money, Either Principal Or Interest, Immediately Upon Such Payment Being Made, Give To The Borrower A Receipt, Dated Of The Date Of Such Payment, Which Receipt Shall State The Amount Paid And For What Such Payment Is Made. If Such Payment Is For Interest On The Sum Borrowed, The Receipt Shall So State. If The Sum So Paid Is To Be Applied To The Payment Of The Principal Sum Borrowed, The Receipt Shall So State. Every Such Receipt Shall Be Duly And Properly Signed By The Person, Or The Agent, Officer, Or Other Representative Of The Person, To Whom Such Money Is Paid. In Lieu Of Providing Such Receipt, A Lender May Furnish To The Borrower An Annual Statement Showing The Amount Of Interest Paid On The Loan During The Previous Year As Well As The Remaining Balance On The Loan; Except That A Simple Receipt Shall Be Given To The Borrower For Each Payment Which Is Made In Cash Or For Any Payment For Which Receipt Is Requested In Writing By The Borrower.
(2) Whoever Refuses, Upon Demand, To Give A Receipt Or Statement Complying With The Requirements Of This Section Shall Forfeit The Entire Interest Upon Such Principal Sum To The Borrower.HISTORY.--S. 6, CH. 5960, 1909; RGS 4856; CGL 6943; S. 4, CH. 84-193.]
Ms.Kennison never gave "Ms. Dennis" a receipt for ANY payments. Ms. Kennison stated that, " Her (Ms. Dennis) Amoritization Schedule and money orger stubs are her receipts."
695.26 Requirements for recording instruments affecting real property.--
(1) No instrument by which the title to real property or any interest therein is conveyed, assigned, encumbered, or otherwise disposed of shall be recorded by the clerk of the circuit court unless:
(a) The name of each person who executed such instrument is legibly printed, typewritten, or stamped upon such instrument immediately beneath the signature of such person and the post-office address of each such person is legibly printed, typewritten, or stamped upon such instrument;
(b) The name and post-office address of the natural person who prepared the instrument or under whose supervision it was prepared are legibly printed, typewritten, or stamped upon such instrument;
(c) The name of each witness to the instrument is legibly printed, typewritten, or stamped upon such instrument immediately beneath the signature of such witness;
(d) The name of any notary public or other officer authorized to take acknowledgments or proofs whose signature appears upon the instrument is legibly printed, typewritten, or stamped upon such instrument immediately beneath the signature of such notary public or other officer authorized to take acknowledgment or proofs;
*On documents concerning "Amounts Due" submitted to the Court during foreclosure proceedings contain Notary signatures that DO NOT MATCH. This is FORGERY.
Pursuant to Florida Code 687.0304 Credit agreements.—(2) CREDIT AGREEMENTS TO BE IN WRITING.—A debtor may not maintain an action on a credit agreement unless the agreement is in writing, expresses consideration, sets forth the relevant terms and conditions, and is SIGNED BY THE CREDITOR AND THE DEBTOR.
*There are documents that do not contain Ms. Dennis' signature.
And here is the kicker. Ms. Kennison hid liens, the fact that "Ms. Dennis" was married (her LEGAL name at the time that she applied for and received the loan was "Roseanne Dennis Frederiksen"
Pursuant to 2013 FL Statutes Title XXXIX 679.5031 (1) (d) Subject to subsection (7), if the debtor is an individual to whom this state has issued a driver license that has not expired or to whom the agency of this state that issues driver licenses has issued, in lieu of a driver license, a personal identification card that has not expired, only if the financing statement provides the name of the individual that is indicated on the driver license or personal identification card;
2013 FL Statutes Title XXXIX 679.5031 (7) If this state has issued to an individual more than one driver license or, if none, more than one identification card, of a kind described in paragraph (1)(d), the driver license or identification card, as applicable, that was issued most recently is the one to which paragraph (1)(d) refers.) This makes all documentation associated with any and all contracts, agreements, and liens, including UCC filings, between PETITIONER and CREDITOR invalid and unenforceable, as PETITIONER's legal name, ROSEANNE DENNIS FREDERIKSEN, does not appear on ANY of the documents associated with the mortgage, and subsequent claim in question. NOTE: A simple search for any financial documents filed with any relevant office under the legal name of PETITIONER at the time of loan origination, nor after, does not produce any results. This is a pre-requisite of verifying the validity of a legally binding contract.)
Ms. Kennison falsified income amounts, required that "Ms. Dennis'" mother sign over her home so that Ms. Kennison would have ALL 5 acres AND both homes (valued at the time for $240, 000.00) as collateral for a $23, 000.00 loan at 11.25 % interest rate for 60 months, when the national average was 6.16% for 180 months.
These are just a few of the items at issue in this case.
Most notably, when "Ms. Dennis" attempted to settle the account, Ms. Kennison inflated the "pay-off" amount, then attempted to get "Ms. Dennis" to refinance with Martino Mortgages for the amount of $40, 000.00 at an interest
rate of 12.7% for 180 months.
So note to Ms. Kennison, not being caught is not proof that you have not been defrauding people.