When we started this site we were looking at a tripartitite conspiracy of progressively abusive financial institutions. We were under the impression that our mortgage was owned by USAA in Texas, serviced by PHH in New Jersey, and enforced by BBDFTE in Dallas. As it turns out, USAA owned our mortgage for only a few ms, just enough time to sell it to PHH, lock, stock, and barrel. They didn't even own it long enough to change the logo on the 22 pages of mortgagese, just sold it outright. Accordingly, USAA has pointed out to me that they have been completely unconscious of the decisions made and various choices made by PHH in the course of applying or misapplying payments, escrows, suspenses and all of the cashflows in and out that go into such and instrument, and they feel they should have no liability. I find myself in agreement and I've accordingly revised Our Prayer and I believe I've removed all reference to USAA as an actor in the fraudulent chain of events. They're now for the most part [deleted]. That leaves a conspiracy of two, PHH and BBDFTE, and a few John Does we haven't discovered yet. I feel confident we will eventually peel this onion.
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