Saturday, September 19, 2009

Posting at The Am Law Litigation Daily.

eptember 17, 2009 7:17 PM

LITIGATION DAILY: Could Rakoff's Ruling Cost BofA's Shareholders More Than $33 Million?

Posted by Susan Beck

This story was originally published by The Am Law Litigation Daily.


Joseph Zernik

This writer is a shareholder who was probably the ONLY one who filed an affidavit with Judge Rakoff, requesting to reject the Proposed Settlement. My Affidavit's central claim was that the parties never came to court in good faith/clean hands... SEC never intended to enforce the law, and BAC never intended to comply with the law. Judge Rakoff apparently accepted at least the first half of the last statement - that SEC never intended to enforce the law.
Additionally, I sought to undermine the Affidavit of Prof Joseph Grundfest, former SEC Commissioner, on the grounds that I had first hand knowledge that he had pertinent information, which he failed to address in his opinion, which was unreasonably narrow in its construction.
.
Looking at impact of Judge Rakoff's decision on short term share value is typical U.S. market attitude that got to grow up one day...
.
The failure of the U.S. government to enforce the law and institute regulation of U.S. financial institutions, combined with the reckless decision to waive the 10% deposit limit on BAC, while grafting into it some of the allegedly most corrupt elements from CFC, was the harbinger of a much greater disaster than some share price fluctuation...
.
It appears that our only hope these days for some reason to find its way to U.S. policy makers... is through pressure from BASEL - seat of the Basel Committee of International Banking Accords, or from BEIJING - holder of >$2trillion in reserves denominated in U.S. dollars, The U.S. itself is back to the Era of the Robber Barons, in a big swing, as if we learned nothing from the Great Depression...

Joseph Zernik

One must note, that in disregard of repeated requests, Counsel for SEC has so far refused to publicly display a copy of the Summons in SEC v BAC (1:09-cv-06829).
.
Therefore, beyond all other arguments, the public display at the U.S. District Court in NYC remained so far indefinite as a legal action, and SEC insisted on keeping it that way...
.
For all we know SEC could have
in error, or otherwise, issued defective Summons, and the display in its entirety could then be null and void.
.
Insistence of a U.S. regulatory agency to conduct its business in such manner, in the midst of the current financial crisis, and the fact that it can get away with it, and there is no protest or public uproar, is just one more indication how deluded either is this writer, or are some regulators at SEC.

God bless the U.S. librarians....

Guardians of the U.S. Contitution...


PLEASE SIGN THE PETITION OF LAW SCHOOL LIBRARIANS - "TO IMPROVE PACER"

Joseph Zernik has just read and signed the petition: Improve PACER

You can view this petition at: http://www.thepetitionsite.com/tell-a-friend/5550076


Again they took a stand, when nobody else did!


1. Pacer and CM/ECF should be considered prime examples of U.S. “Digital Pollution”

.

Instant Petition should help in generating awareness of a critical widespread problem - "Digital Pollution" - large computer systems in both government and public corporations, which were either never validated (logic-verified), and/or were fraudulent by design, and/or were corrupted over time.

.

2. PACER and CM/ECF were never appropriately instituted with public notice and an opportunity for comment – albeit – they reflected a sea change in the U.S. Rules of Courts

The duality of PACER vs CM/ECF as docketing systems of the U.S. Courts, must be subjected to careful review. The construction and implementation of such dual systems required major resources, and in fact represented an entire revolution in the Rules of Courts. As such, such major changes in the Rules of Courts should have been generated in compliance with the Rule Making Enabling Act 28 USC § 2071-2077.

28 USC § 2071 says: .

§ 2071. Rule-making power generally

(b) Any rule prescribed by a court, other than the Supreme Court, under subsection (a) shall be prescribed only after giving appropriate public notice and an opportunity for comment. Such rule shall take effect upon the date specified by the prescribing court and shall have such effect on pending proceedings as the prescribing court may order.

However, such dual systems were established by the U.S. judiciary with no appropriate public notice and opportunity for public review and comment. Therefore, upon review, it may be ruled that such systems were established with no authority at all.

.

3. Digital signatures by AO, as sought by the Petition’s authors, were the incorrect authority for authentication of records. Authentication requiredCertification by a Judge or a Party, for respective papers, and in both cases - Attestation by the Clerk.

.

The Petition was in error in the statement calling for AO’s digital signatures to be added:

.

“For verification and reliability, the AO [Administrative Office of the Courts – jhz] should digitally sign every document put into PACER using readily available technology.”

.

The digital signature of the AO would have no validity, and wouldn’t have contributed to the authentication of the records.

.

The U.S. Constitution, Art. IV §I declares:

Full faith and credit shall be given in each state to the public acts, records and judicial proceedings of every other state. And congress may by general laws prescribe the manner in which such acts, records and proceedings shall be proved, and the effect thereof.

By the U.S. Congress Act of May 26, 1790, it is provided:

That the act of the legislatures of the several states shall be authenticated by having the seal of their respective states affixed thereto: That the records and judicial proceedings of the courts of any state shall be proved or admitted, in any other court within the United States, by the attestation of the clerk, and the seal of the court annexed, if there be a seal, together with a certificate of the judge, chief justice or presiding magistrate, as the case may be, that the said attestation is in due form. And the said records and judicial proceedings, authenticated as aforesaid, shall have such faith and credit given to them, in every court within the United States, as they have, by law or usage, in the courts of the state from whence the said records are, or shall be taken.

Relative to filing papers by parties, the hand signature of party or counsel of record on the paper was required as Certification, combined with the Certificate of Service, and the Attestation by Clerk was executed by the stamping “FILED” and endorsement by the hand of the Clerk.

.

Relative to entering orders – the hand-signature of the Judge was required as Certification, and Certificate of Service was either by Party of by Clerk, and Attestation was again – by “FILED” stamp and endorsement by clerk.

.

4. The authentication of Court Records was already implemented - in CM/ECF, where public access was denied. However, the legal foundation of the method of implementation of the NEFs may be questioned. Moreover, the omission of the NEFs from PACER would likely be found upon review as abuse of rights, or even widespread fraud on the people.

.

Authentication of the records was already fully implemented by the Administrative Office of the Courts – in the NEFs (Notices of Electronic Filings) that were automatically sent to CM/ECF users upon any filing in a case. The NEFs were also attached to each and every record on the docket in CM/ECF, similar to the manner that Certificates of Service used to be enclosed to paper records. In CM/ECF, the NEFs appear under the “silver bullet” positioned in CM/ECF docket sheet on the left of the record ordinal number.

Therefore, the NEFs replaced the Certificates of Service by Party, or Notices of Entry and Certificates of Mailing by Clerk, which were required in the paper dockets for each and every record to be deemed authenticated. There are two major inherent problems with the implementation as seen today:

a. It eliminated the critical duty of a particular Clerk or Deputy as accountable for the authenticity of a given record. In other words, tradition of hundreds of years, established the integrity of the courts, at least in part, based on the checks and balances of the authorities of the Judicial and Ministerial arms of the Courts. It is not clear whether the Administrative Office of the Courts had the authority to affect such a major change in the structure of the court system, with no review or legislation. The problem can be to some degree related to the voting machines problem. The code of PACER was never open for public review. The personal accountability of the Clerks was discarded in favor of some confidential code. It is not an acceptable reasonable substitute, and it must be deemed suspect. Especially so, since upon review, it is likely to be deemed that the dual systems of Pacer and CM/ECF were not constructed by the judiciary in good faith.

b. The implementation must be doubly deemed suspect, for the reason that all NEFs were eliminated from PACER. There is no reason, which would be even remotely related to the furtherance of justice, which could justify such system design. In plain layperson’s language it is likely to be called “Shell Game Fraud”.

.

The courts are unambiguous about the fact that the NEFs and the digital signatures encrypted in them per RSA, are the Attestations that determine the authenticity of the records. For example, in the Central District of California, the General Order 06-07 of the U.S. Courts, for the Central District of California states:

J. A “Notice of Electronic Filing” is generated automatically by the ECF

system upon completion of an electronic filing. The Notice of Electronic Filing, when e-mailed to the e-mail address of record in the case, shall constitute the proof of service as required by Fed.R.Civ.P.5(d). A copy of the Notice of Electronic Filing shall be attached to any document served in the traditional manner upon any party appearing pro se.

5. Dual systems, separate and unequal – where the courts assumed the authority to arbitrarily segregate parties.

.

Therefore, one can reasonably state, that PACER and CM/ECF were constructed as separate but unequal systems, and the U.S. Courts usurped the authority to arbitrarily segregate parties into one or the other. Pro Se filers, and practically all prisoners, were and are limited to PACER access, and as seen here – librarians and law students as well.

PACER users were deliberately handicapped – disabled from distinguishing authenticated, valid, and effectual court records, from such that were unauthenticated, invalid, and ineffectual. Concomitantly, the dockets were populated with abundance of unauthenticated, invalid, ineffectual records.

  1. PACER and CM/ECF may be deemed upon review as radical change in the Law of the Land and the U.S. Constitution – abolishing of the Common Law ACRIC (Access Court Records to Inspect and to Copy) Right

Furthermore, to ensure that PACER users remain ignorant and unable to discern the authenticated court records among those docketed online, the U.S. Court, with no recorded court ruling or Constitutional Amendment, effectively abolished the public’s ACRIC right, which the U.S. Supreme Court re-affirmed in Nixon v Warner Communications, Inc 435 U.S. 589 (1978), [the Nixon Tapes decision], as ”the common law right of access to judicial records”, also embedded in “First Amendment guarantee of freedom of the press”, “Sixth Amendment guarantee of a public trial,” and the Fifth/Fourteenth Amendment as part of the “fundamental demands of due process of law”.

The U.S. Supreme Court, in discussing such Right stated: “This privilege of the public to inspect and obtain copies of all court records… in the custody of the Clerk, is of long standing in this jurisdiction, and reaches far back into our common law and traditions. …the public has a right to inspect and obtain copies of ,,, judicial records.”… "[A]ny attempt to maintain secrecy as to the records of the court would seem to be inconsistent with the common understanding of what belongs to a public court of record, to which all persons have the right of access and to its records, according to long-established usage and practice."…

Nevertheless, recent attempts to exercise such right at the California Superior Court for the County of Los Angles, at the California Court of Appeals, 2nd District, at the U.S. District Court, Los Angeles, U.S. District Court, Manhattan, NYC, and U.S. District Court. Washington DC, as well as the U.S. Court of Appeals, 9th Circuit, demonstrated universal denial of such right, relative to inspection and copying of NEFs, with no explanation at all.

.

In some instances the excuse was offered that the NEFs were “administrative court records” and not “public court records”. That distinction must upon review be found to be a de novo invention. It was reasonably clear that the FRCPs considered the Certificate of Service as integral part of the filing, which was self evident:

FRCP, Rule 5(d)(1) states:

(d) Filing

(1) Required Filings; Certificate of Service.

Any paper after the complaint that is required to be served — together with a certificate of service — must be filed within a reasonable time after service.

In sum:

.

It is entirely inconceivable how law students can review case law, or cases in general, for that purpose, with no access to the NEFs. The conduct of the courts must remain a total mystery to them. Likewise, it is entirely inconceivable how no lawyers, no legal organization, no law school faculty, protested this aberration or possibly even alleged perversion. It was left for the librarians to take the stand and guard our Constitution.

Wednesday, September 16, 2009

Submitted to the National Law Blog- Pacer: What Public Access?

The opinion, What public access?, by Erika V. Wayne, September 14, 2009, should help in generating awareness of a critical widespread problem - "Digital Pollution" - large computer systems in both government and public corporations, which were either never validated (logic-verified), and/or were fraudulent by design, and/or were corrupted over time.

The duality of PACER vs CM/ECF as docketing systems of the U.S. Court system, must be the subject of careful review. It was established by the U.S. judiciary with no reasonable opportunity for public review and challenge, and therefore - with no authority at all. Pacer and CM/ECF were constructed as separate but unequal systems, and the courts segregate parties at will into one or the other. Pro se filers, and practically all prisoners, are limited to Pacer access.

The main point that was missed in the opinion, was that Pacer eliminated all NEFs (Notices of Electronic Filings - comparable to Proofs of Service, or Notice of Entry and Certificate of Mailing by Clerk) from the system. Therefore, the Pacer user is blind - he or she cannot tell which records are valid, and which are not. The NEFs today are the attestations by Clerks, pursuant to the Act of May 26, 1790. Absent the attestations, no determination can be made relative to authenticity of records.

Such key systems, of which Pacer and CM/ECF are but one example, signal severe deficiencies in the infrastructure of U.S. government agencies and financial institutions, which call for immediate attention. The solution must involve a long-term effort, guided by the U.S. government, with reasonable timed goals set for enforcement, incentive for public corporations for early compliance, and intensive education efforts at various levels – from the public at large, to specific professional groups. Outside observers may also assist in such process, because one of its stated goals must be the re-establishment of credible U.S. regulation in the financial sector:

1) The required technology is readily available. Moreover, the field represents an enormous business opportunities in an initiative to rebuild major systems in public agencies and public corporations, including critical reevaluation of all steps of the process: design, implementation, validation/logic verification, and long-terms safeguard of integrity. Separately, attempts would have to be made to clean up or salvage parts of existing machines and databases.

2) The legal framework is likewise largely in place, albeit promulgation of effective regulations is required.

3) Public education must be integral to the process: The public must be re-educated to demand its Common Law ACRIP right ("Access to Court [or public] Records to Inspect and to Copy") and the right for Competent Tribunals with published laws and rules of court, subject to public review. Gains of generations were lost in the transition from paper to digital media. Nothing short of public educations would re-establish and secure integrity of the courts and of public corporations.

4) Professional education must be integral to the process: Standards of care, development and recognition of new professional titles, and related education is required in order to have the computing community assume a more responsible role in this area.

5) Periodic visits by international friends, who would be willing to provide observations, would benefit the interests of all involved.

The U.S. government is not ready, able, willing to address conditions in Los Angeles County and elsewhere. Conditions at the courts veered far off the course and should amount upon review to major violations of the Universal Declaration of Human Rights. Conditions at financial institutions are likewise - far from compliance with the Basel Accords.

SEC v BAC (1:09-cv-06829): Notice to SEC and BAC of intent to intervene, and offer to confer


Timely response requested by Friday, September 18, 2009, 5:00 pm

TO PARTIES AND COUNSEL OF RECORD:

Please take notice. Following the September 14, 2009 Memorandum Order [i] by the Honorable Jed Rakoff, please be informed of my intent to further explore conditions at the U.S. District Court, NY, aiming to intervene in the action. I therefore also offer hereby to confer in re: Case Management Plan, required by the Court in the same Order, so that no delays would be later incurred.

No doubt, I was delighted to notice in the September 14, 2009 Order, wording such as:

"the proposed Consent Judgment was a contrivance designed to provide the SEC with the facade of enforcement" .

The Proposed Settlement was "neither fair, nor reasonable, nor adequate."
...

The Court considered SEC less than eager to inflict penalties on BAC and its senior executives. It is only common sense to make the inevitable next logical step: SEC and BAC came to court on friendly terms - SEC not truly intending to enforce the law, and BAC not truly intending to comply with the law. It was unlikely that the Court would be able to compel adversary between such friends. Since the U.S. justice system was founded on the adversarial principle, it was also unlikely that instant proceedings would materialize as effectual litigation, unless conditions were generated that would allow at least one additional party, truly adversarial, to step in on a level playing field.
...
I therefore copy below the ending of the August 30, 2009 letter, verbatim:
Please fax and/or email ... copies of the following records, together with a declaration by a Custodian
of Records in this regard:

1. NEFs (Notices of Electronic Filing) of all papers filed by parties and of all
orders filed by the Court in this action so far (each NEF is about 1-2
pages long, for a total of about a dozen records), both as PDFs and as
digital files such as they are displayed in CM/ECF. Copies of the records
themselves are not requested.

2. Summons, as issued by clerk.

3. Summons, as an executed record.

The litigation records in SEC v BAC, as they were so far published, must be
deemed uninformative and confusing, vague and ambiguous ...
...
The only change is in timing the request for Friday, September 18, 2009, 5:00 pm, and adding to it a request for response in re: the offer to confer by that time as well.

Dated: September 16, 2009 Joseph H Zernik





By:___________________

Joseph H Zernik

Pro Se


The complete letter can be viewed at:
http://inproperinla.com/09-09-16-notice-to-parties-of-intent-and-offer-to-confer-s.pdf


[i] http://inproperinla.com/00-00-00-us-dist-ct-ny-sec-v-bac-09-09-15-doc-22-memorandum-opinion-reject-proposed-settlement-try-feb-2010-no-blue-header-imprints.pdf


Tuesday, September 15, 2009

Request for USC Credit Union Chairman of the Board - review records produced by USC CU senior management as the purported legal foundation...

September 15, 2009
.
Jerald M. Jellison, Ph. D.
Chairman of the Board
USC Credit Union
.
Dr Jellison:
.
As part of your consideration of my request in an email letter, sent last night, to engage in grievance
resolution, [i] I request the following:
.
A. I again request that USC Credit Union produce to me the records that the USC Credit Union
deemed as the legal foundation for actions that were taken in my accounts, with no authorization, with
no notification, and which caused me devastating harms. I again request that such production be by a
Custodian of Records, who was duly authorized by the Board of Directors, and that the production be
accompanied by:

1) A Declaration of Custodian of Records, pursuant to California law.

2) A record documenting the appointment of such Custodian of Records by the Board of
Director

B. I previously filed a complaint with the USC Credit Union Supervisory Committee, part of the Internal
Audit structure, in this matter. I was informed that upon review, no wrong was found in the conduct of
USC Credit Union and its staff. I therefore, also request that the following records be produced by the
Custodian of Records:

1) Any Internal Audit Record of USC Credit Union, where there may be mention of any account
bearing the name of Joseph H Zernik, including, but not limited to business, personal, or loan
accounts, including, but not limited to records of the Supervisory Committee.

2) Any External Audit Record of USC Credit Union, where there may be mention of any account
of Joseph H Zernik, as above.

3) Any report filed by USC Credit Union with its Banking Regulator - California Department of
Financial Institutions, where there may be mention of any account of Joseph H Zernik,
as above.

C. I previously repeatedly requested that USC Credit Union comply with the law and regulations
relative to electronic transactions and their authentication, including, but not limited to the operation of
fax machines. I request that the Custodian of records provide any records that indicate what the
current policy and practice are at USC Credit Union in this regard.

D. I also request that the records that may be prepared by USC Credit Union in response to A, B, C,
above, together with records that USC Credit Union produced in the past in response to the same
requests, listed in D:1-3, below, be forwarded to the USC Credit Union Independent Auditor, and that
the Independent Auditor be requested to provide a report upon review of such records.
Records produced by USC Credit Union so far, relative to the conduct in accounts of Joseph H Zernik,
and the appointment of Custodian of Records:

1) June 13, 2008 - Production by Ms Christine Schwarz - VP/Real Estate Loans. [ii]

2) June 25, 2008 - Production by Mr Gary Perez - President/CEO [iii]

3) July 6. 2009 - Production by Mr Ralph Ramirez, COO, of December 15, 2008 Minutes of the
USC Credit Union Board of Directors, in re: Appointment of a Custodian of Records. [iv].

E. Finally, I request that you provide a statement on the record, after review of the records that may be
prepared in response to A-D, above:

1) Including your opinion in re: independence and efficacy of Internal and External Audit
functions, and Integrity of Operations at USC Credit Union;.

2) Including your opinion regarding each and every one of the records that were produced in D:1-
3, above (they total about 10).

3) Including a new copy of the record in D:3 , above, December 15, 2008 Minutes, where your
signature is not redacted, with a respective statement:

a) Whether it was or was not your authentic hand-signature, and

b) In case it was your signature - whether signing such December 15, 2008 Minutes of the
Board was or was not consistent with the safeguard of the Integrity of Operations at USC
Credit Union.

Surely, you realize that the integrity of operations of U.S. financial institutions, is now the focus of
interest at home and abroad. Furthermore, I claim that events, which originated in Los Angeles
County, California, were central to the development of the financial crisis that the U.S. is experiencing
now. Moreover - such events were the outcome of lawlessness in Los Angeles County, patronized by
FBI and U.S. Department of Justice. [v] It was the very same lawlessness that permitted and permits
the continued false confinement of the Rampart-FIPs - a Human Rights disgrace of historic
proportions.



______/s/_____________
Joseph Zernik, DMD, PhD
Member
USC Credit Union

A complete copy can be veiwed at:

Request for USC Credit Union Chairman of the Board - please engage in grievance resolution...

September 14, 2009
.
Jerald M. Jellison, Ph. D.
Chairman of the Board
USC Credit Union
.
Dr Jellison:
.
We have never met, I believe, and I could not remember ever communicating with you before either.
However, searching my email, sure enough, there was a message there from 1998, related to a
request I received for an opinion on potential changes in admission tests to enhance creativity among
the student population of a major institution abroad... where Ed Ransford referred me to you. I have
since left USC, and my publications veered off into fine literature, including co-editing with Moshe
Lazar (USC), and with introduction by Arnold Band (UCLA) a collection of early modern middleeastern
stories in English translation, [i] which won favorable reviews in the LA Times and elsewhere,
and then - the same in French translation by commission for the official press of the Calvinist Church
of Switzerland. [ii]
.
It appeared though that I have never communicated with you on the issue at hand:
I have been member and deposit account owner since ~1991. I am aggrieved by conduct of USC CU
and its staff, and I am writing to seek good-faith resolution. Events that are directly relevant were
initiated at the end of November 2007. The damages caused through the conduct of USC CU by now
exceed $ 2 million dollars. My life since that time is consumed with financial hardships and
harassment by various parties (not USC CU). Had USC CU complied with the law in November-
December 2007, I would have been spared this ongoing ordeal.
...
E. Request to engage in a good-faith grievance resolution:
I was and am a Credit Union member by conviction, not only by convenience. I asked for it before, but
was declined, however, my previous request was not forwarded directly to the Board:
Please let me know if there is a grievance procedure in the bylaws of the Credit Union that would allow
us to engage in a good-faith attempt to resolve the dispute.
.
It is my belief that the conduct of Ms Schwartz, Mr Perez and Mr Loritz was based primarily on Los
Angeles business rationale, which was logically valid on its face. It was obvious that I faced major
hurdles in securing even my most basic Human Rights pursuant to the Universal Declaration - ratified
International Law. Therefore - I was possibly deemed fair game. The risk appeared minimal at best,
and there could be even rewards to be reaped.
.
In contrast, I approach the Board as those who have the ultimate duty for the safeguard of the integrity
of operations. Moreover, the Board should also take into consideration the fact the credit union carries
the USC name and logos. This story, moving along its own course, is not something that the USC
brand-name should be tied into, surely not featured in as a key offender.
.
In case there is any opening for a dialogue towards resolution, please let me know, at least as a
preliminary intent, by September 21, 2009.
.
Sincerely,


______/s/_____________
Joseph Zernik, DMD, PhD
Member
USC Credit Union

The complete letter can be viewed at:

OH WHAT A DAY!

Thanks, Ron, for forwarding to me the news....

Judge Rejects SEC, BofA Settlement Over Merrill Takeover

Southern District of New York Judge Jed S. Rakoff on
Monday rejected the proposed $33 million settlement
between the Securities and Exchange Commission and
Bank of America stemming from the bank's takeover of
Merrill Lynch & Co.

"...the proposed Consent Judgment was a contrivance designed to provide the SEC with the façade of enforcement..."


Rakoff said the consent judgment "is neither fair, nor reasonable, nor adequate."

Request for due notice for purorted proceeding in purported case of Samaan v Zernik (SC087400)

RE: REQUEST FOR A DULY REQUIRED NOTICE FOR SEPTEMBER 23, 2009 PURPORTED
PROCEEDING IN PURPORTED CASE OF SAMAAN v ZERNIK (SC087400)

Timely response requested no later than Thursday, September 17, 2009, 5:00 pm.

TO JOHN A CLARKE, CLERK OF THE COURT, TO THE COURT, AND TO
PURPORTED PARTIES AND COUNSEL AS LISTED ABOVE:

In the online "Case Summaries", published online by the LA Superior Court,
albeit - with a disclaimer warning the public that such publication was not a court
record and should not be relied upon, I recently noticed a listing of a purported
"Future Proceeding" in purported case of Samaan v Zernik (SC087400).
I therefore wrote to the Executive Officer/Clerk of the Court, John A Clarke, and
requested that:

a) In case he held that the case was and is a valid,effectual case of the LA Superior
Court - that he take actions to ensure that it was duly noticed, in a timely manner,
by a Deputy Clerk, pursuant to his authority as Clerk of the Court.

b) In case he held that the case was NOT and is NOT a valid, effectual case of the
LA Superior Court - that he take actions to ensure:

i. That false and misleading information be removed from the online
publication titled "Case Summaries".

ii. That no Deputy Clerk be present in such purported proceeding on
September 23, 2009.

iii. That no Deputy Clerk enter any additional minute orders in such
purported file.

Clerk John A Clarke failed to respond at all.

I therefore write herein again a request addressed to the purported parties listed
above, to the Court, and to John A Clarke, Clerk of the Court:

a) Request is that each and every one of the parties and the Clerk of the Court
respond with a statement on the record, in re: the matter at hand, indicating their
standing in it, with the foundation in the law.

and/or

b) Request is that each and every one of the parties and the Clerk of the Court
respond in a statement on the record, indicating whether they considered Samaan
v Zernik (SC087400) was and is a valid, effectual case of the Superior Court of
California for the County of Los Angeles, or whether they considered it was and is
NOT such a valid, effectual case.

and/or

c) That one of the parties listed as recipients of this note, who may consider the
purported case was and is a valid, effectual case of the Superior Court of
California for the County of Los Angeles, please notice the Future Proceeding, as
duly required by law.

Timely response requested no later than Thursday, September 17, 2009, 5:00 pm.

Dated: September 15, 2009 Joseph H Zernik


BY:__/s/_Joseph H Zernik__
JOSEPH H ZERNIK
Purported Defendant and Cross-
Complainant
in pro se

List of Addressees:

Mohammad Keshavarzi, Esq.
Sheppard, Mullin. Richter & Hampton LLP
333 South Hope Street, 48th Floor
Los Angeles, CA 90071-1448
Facsimile: 213.620.1398
E-Mail: MKeshavarzi@sheppardmullin.com
(by fax and by email)

Purported Counsel for Plaintiff, Nivie Samaan
John W. Amberg, Esq.
Jenna Moldawsky, Esq..
Bryan Cave LLP
120 Broadway, Suite 300
Santa Monica, CA 90401-2386
Telephone: (310) 576-2100
Facsimile: (310) 576-2200
E-Mail: jwamberg@BryanCave.com
E-Mail: jenna.moldawsky@bryancave.com
Purported Outside-Counsel for Non-Party Countrywide Home Loans, Inc,
and/or
Countrywide Financial Corporation
and/or
Bank of America Corporation
(by fax and by email)

Sanford Shatz, Esq.
Todd A. Boock., Esq,
Legal Department
Countrywide Home Loans, Inc,
and/or
Countrywide Financial Corporation
and/or
Bank of America Corporation
Telephone: (818) 871-6045
Facsimile: (818) 871-4669
E-Mail: Todd_Boock@Countrywide.Com
E-Mail: sandy_shatz@countrywide.com
Purported Counsel for Non-Party Countrywide Home Loans, Inc,
and/or
Countrywide Financial Corporation
and/or
Bank of America Corporation
􀁺 Page 2/4 September 15, 2009
(by fax and by email)

Sandor Samuels
Associate General Counsel
Bank of America Corporation
E-Mail: sandor_samuels@countrywide.com
As Associate Counsel of Bank of America Corporation
Also in his capacity as: Purported Person in Interest
(by email)

Pasternak Pasternak & Patton
Pasternak, Pasternak & Patton
1875 Century Park East, Suite 2200
Los Angeles, CA 90067
Telephone: 310 553 1500
Facsimile: 310 553 1540
E-Mail: djp@paslaw.com
Purported Receiver
(by fax and by email)

Michael Wachtell, Esq.
Buchalter Nemer
1000 Wilshire Boulevard, Suite 500
Los Angeles, California 90017-2457
Telephone: (213) 891-0700
Facsimile: 213.630.5760
E-Mail: mwachtell@buchalter.com
Purported Counsel for Mara Escrow
(by fax and by email)

Kathryn E. DiCarlo, Esq.
Cummings, McClorcy, Davis, Acho & Associates, P.c.
3801 University Avenuev, Suite 560
Riverside. CA 92501
Telephone: 951.276.4420
Facsimile: 951.276.4405
E-Mail: kdicarlo@cmda-law.com
Purported Attorney for ADR Services, Inc.
(by fax and by email)

Robert Shulkin, Esq.
Legal Department
Coldwell Banker Residential Brokerage
11611 San Vicente Blvd, 9th Floor
Los Angeles, California 90049
Telephone: 310 820 6888
Facsimile: 310 447 1902
E-Mail: robert.shulkin@camoves.com
Purported Counsel for Cross-Defendants
Michael Libow and Coldwell Banker Residential Brokerage
(by fax and by email)

John A Clarke
As an Individual
And also in his capacity as
Executive Officer/Clerk of the Court
Superior Court of California
For the County of Los Angeles
Stanley Mosk Courthouse
111 North Hill Street
Los Angeles, CA 90012-3014
Telephone: 213 974 5050
Facsimile: 213 621 7952
E-Mail: jclarke@lasuperiorcourt.org
Clerk of the Superior Court of California
For the County of Los Angeles
(by fax and by email)

Copy of the complete communication can be viewed at:

Thursday, September 10, 2009

Affidavit of opinion was forwarded to the Honorable Jed Rakoff in re: Proposed Settlement in SEC v BAC at the U.S. Court in NYC.

A. From the cover letter

September 9, 2009

The Honorable Jed Rakoff
Courtroom: 14B
Daniel Patrick Moynihan
United States Courthouse
500 Pearl St.
New York, NY 10007-1312

Judge Rakoff:

Enclosed is my affidavit in the case of SEC v BAC (1:09-cv-06829), providing my
opinion relative to the question raised by Your Honor:
within carefully prescribed limits, to determine whether the proposed
Consent Judgment settling this case is fair, reasonable, adequate,
and in the public interest

Additionally, I would like to provide the Court my observation that the Affidavit
provided by Prof Joseph Grundfest (Dkt #10) should be deemed invalid as such, on
its face, for the following reason: Its notary acknowledgement was and is invalid -
nowhere did the Notary Public, Elsie M Willhalm, affirm that the affidavit was
subscribed by Prof Joseph Grundfest before her.

_____/s/ Joseph H Zernik_______________
Joseph H Zernik

________________________________________________________


B. From The Affidavit




Figure 1: My property at 320 South Peck Drive ,Beverly Hills, California, now wrongfully occupied by Nivie Samaan.

III. Summary of Opinion

2. In November 2007, I was forced to leave my home under credible, albeit allegedly unlawful threat of force by the LA Sup Ct. In December 2007 my home, my property (Fig 1) was subjected to purported sale by the LA Sup Ct, and Grant Deeds were issued, which were opined as Fraud by veteran, decorated FBI agent James Wedick. To this date I never received a penny from the purported proceeds from the sale of the property. Funds were held by the LA Sup Ct for almost two years with no foundation in the law, and the court engaged in transactions, including monetary transactions with CFC and BAC, which upon review should be deemed money laundering. Such alleged violations of my Human Rights and the law, including the penal code, were perpetrated through concerted efforts of CFC, BAC - including their highest officers, holding direct reporting duties, judges of the LA Sup Ct, and two large law firms –Bryan Cave, LLP and Sheppard Mullin, LLP.

3. My case was not unique at all. The only thing unique about it was the meticulous documentation of the various alleged violations of the law and of Human Rights, and of the refusal of U.S. government and its law enforcement system to provide Equal Protection and Fair Tribunals pursuant to the Universal Declaration of Human Rights – ratified International Law.

4. My case reflected the failure of the U.S. government to protect the basic Human Rights of 10 million residents of Los Angeles County, California, who were subjected for at least a quarter century to an LA Superior Court that perpetrated Human Rights abuses of historic proportions – as in the continued false confinement of the estimated 10,000 Rampart –FIPs, almost exclusively blacks and Latinos, a decade after their innocence was determined, and alleged frequent real estate frauds by the courts.

5. Sustain, the case management system of the LA Superior Court was alleged as the enabling tool of a racket.

6. My case, and instant case, combined, reflected the refusal of U.S. government and its justice system to honestly address the causes underlying the current financial crisis, or to enforce the law relative to CFC and BAC. The U.S. banking regulation system was largely documented in my case as dysfunctional. SEC, BAC, and Prof Joseph Grundfest were all familiar with the issues at the time that they filed papers in instant case. Therefore, Prof Joseph Grundfest’s statement that BAC was and is a “highly regulated” entity was false and misleading. In fact, the entire filing of this case by SEC and BAC could be deemed as an attempt to demonstrate true banking regulation enforcement action, where in fact, SEC has consistently refused to engage in true enforcement actions in re: CFC and BAC.

7. From public perspective the nature of instant proceedings was indeterminate. There was no way for the public at large to decipher what they stand for: No summons was executed, summons as issued by clerk was not docketed, there is no documentation of due assignment to a judge, and public access to NEFs (Notices of Electronic Filings) was denied.

8. Conditions reflected in instant proceedings were not unique at all. The U.S. Courts completed the installation of a dual docketing system, Pacer, and CM/ECF, separate and unequal, where the courts could segregate parties at will. Those segregated into Pacer (attorneys who were not authorized by the court, pro se filers, and invariably all prisoners who filed petitions) were unable to distinguish the valid and effectual court records from the large volume of invalid and ineffectual records that were posted online, since they were denied access to the NEFs (Notices of Electronic Filings). Therefore, litigations were conducted under such conditions - where one party, but none of the others, was left in the dark relative to the validity and effect of various records posted in the docket by the court during litigation. Such conditions in litigations in U.S. Courts, were likely to be found by International Human Rights Courts to be extreme violation of Human Rights by the U.S. Government and U.S. Courts.

9. Such conditions at the courts as seen in Sustain and Pacer vs CM/ECF, were part of the larger problem, designated “Digital Pollution” – the U.S. government and public corporations were engaged in alleged massive fraud on each other, on themselves, on the U.S. public, and on the international community, through the widespread operation of large computer systems that were invalid – or otherwise put – where logic was never verified and was false and deliberately misleading.

Figure 2. Page 1 of Samaan's Loan Application (1003) filed with Countrywide Home Loans, Inc, and opined by fraud expert as fraud. (Appendix H,I)


The complete Affidavit can be viewed at:

The Appendices can be viewed at:

Monday, September 7, 2009

09-09-07 Request for timely responses from Stanford Law Faculty

Date: Mon, 07 Sep 2009 14:54:41 -0700
To: "Stanford Law Faculty"
From: joseph zernik
Subject: Time is of the essence! Peer review of Prof Grundfest Affidavit (Dkt #10) in
SEC v BAC (1:09-cv-06829) and related questions.
Bcc:

September 7, 2009

To: Stanford Law Faculty

From: Joseph Zernik

RE: Peer review of Prof Grundfest Affidavit (Dkt #10) in SEC v BAC (1:09-cv-
06829) and related questions. Time is of the essence, since letter to the
Honorable Jed Rakoff is due by the deadline of September 9, 2009.

Your response or comments are requested in re: the following matters:

1) Peer review of Prof Grundfest Affidavit (Dkt #10) in SEC v BAC (1:09-cv-06829) in
support of Proposed Settlement, in particular the statement that Bank of America
Corporation was a "highly regulated" entity.

2) Public records that both Prof Grundfest and SEC were fully aware of, e.g under
Borrower William Parsley Houston, TX (4-05-bk-90374) , Dkt# 256-260, provided
credible evidence of various alleged criminalities by Countrywide Financial
Corporation, and later - by Bank of America Corporation, and of refusal by SEC to
enforce the law.

3) The U.S. Courts have installed a dual docketing system, Pacer, and CM/ECF,
separate and unequal, where the courts can segregate parties at will. Those
segregated into Pacer are unable to distinguish the valid and effectual court records
from the large volume of invalid and ineffectual records posted online, since they are
denied access to the NEFs (Notices of Electronic Filings). Conducting litigations
under such conditions may be found by International Human Rights Courts to be
extreme violation of Human Rights by the U.S. Government and U.S. Courts, and the
largest ever "shell game" fraud.

I would be grateful for a timely response by individuals faculty members, or group(s),
regarding the matters above.

Joseph Zernik
______________________________________________________
Date: Mon, 07 Sep 2009 10:22:59 -0700
To:
From: joseph zernik
Subject: Time is of the essence. Please let me know if you intend to
respond to any of my requests.

Prof Grundfest:

Please let me know if you intend to respond to any of my requests.
Time is of the essence, since I intend to have my letter to the
Honorable Jed Rakoff delivered by the deadline of September 9,
2009.

Joseph Zernik