Who Owns Your Car?
For those old enough to remember James Dean movies where he was involved in street races for which the prize would be the "pink slip" for the car that lost to him. The "pink slip" showed the ownership when your care was free and clear meaning you did not owe anything on it. That is not the situation today. When a new car is delivered to a dealership in a state, the titles are sent to the Department of vehicle Registration at the Secretary of State's Office. There they are microfilmed and the state creates a "Certificate of Title" which they issue. That is because the state uses that car as collateral for loans to the state, so at that time the state is the owner of the vehicle. When you buy the vehicle you are actually leasing or renting it from the owner the state for which you get the "Certificate of Title." But it comes with restrictions. THat is why they can tell you you must have insurance on the property the vehicle, you must buckle your seat belts, you must pay the state a yearly fee to register their car, ect. If you don't they can impound or reposess their car and even if you have paid off the loan where you believe the car is yours, when they seize it, the pay you nothing back in return. They then can sell the same vehicle to someone else and charge them a new registration fee. Check the documents you have on your vehicle and see that you hold only a "Certificate of Title."
Who Owns Your House?
Let's follow the same logic for your house. The Federal Governement Has borrowed money on ALL property. Therefore, when you pay off your mortgage and you have the typical mortgage burning party, you still do not own it. You receive a "Title To Deed" and not the deed as it is held by the federal government. You are a tenant. Like your vehicle you have many regulations you must follow. Instead of having to buy a plate yearly like you do with your vehicle or renewal sticker, you have to pay yearly property taxesa. If you don't, they can reposess or seize the property and resell it just for the taxes owed, and you are paid nothing back for all you have paid on the property. If you want to make improvements to THEIR property, you must get a building permit which you pay for to get their permission, and so they know to increase your property taxes because the value increases. A real title is an alloidial title that describes the property such as:
THE UNITED STATES OF AMERICA
Certificate}
No 19.732}
To all to whom these Presents shall come, Greeting:
WHEREAS Henry H. Gird of Louisiana
has deposited in the GENERAL LAND OFFICE of the
United States, a Certificate of the REGISTER OF THE
LAND OFFICE at Edwardsville whereby it appears that
full payment has been made by the said HENRY W. GIRD
according to the provisions of the Act of Congress of
the 24th of April, 1820, entitled "An Act making further
provision for the sale of the Public Lands," for
the South West quarter of Section fifteen, in Township
two North of Range for West of the Third principal
meridian in the District of lands subject to sale at
Edwardsville, Illinois containing one hundred and sixty
acres.
according to the official plat of the survey of the said
Lands, returned to the General Land Office by the
SURVEYOR GENERAL, which said tract has been
purchased by the said
Henry H. Gird
NOW KNOW YE, That
the Unites States of America, in consideration of the
Premises, and in conformity with the several acts of
Congress, to such case made and provided, HAVE
GIVEN AND GRANTED, and by these presents DO GIVE
AND GRANT, unto the said
Henry H. Gird
and to his heirs, the said tract above described: TO
HAVE AND HOLD the same, together with all the rights,
privileges, immunities, and appurtenances of
whatsoever nature, thereunto belonging, unto the said
Henry H. Gird
and to his heirs and assigns forever
IN TESTIMONY WHEREOF, I Martin Van Buren
PRESIDENT OF THE UNITED STATES OF AMERICA,
have caused these Letters to be made PATENT, and
the SEAL of the GENERAL LAND OFFICE to be
hereunto affixed.
given UNDER MY HAND, at the CITY OF WASHINGTON,
the first day of January in the Year of our Lord one
thousand eight hundred and forty and of the
INDEPENDENCE OF THE UNITED STATES the Sixty fourth
BY THE PRESIDENT: Martin Van Buren
I hope this is educational for members of your blog. In Farm
Claims we were told that "Stormin Norman Schwartzkopf, Jr.
was supposed to head up this office.
For those old enough to remember James Dean movies where he was involved in street races for which the prize would be the "pink slip" for the car that lost to him. The "pink slip" showed the ownership when your care was free and clear meaning you did not owe anything on it. That is not the situation today. When a new car is delivered to a dealership in a state, the titles are sent to the Department of vehicle Registration at the Secretary of State's Office. There they are microfilmed and the state creates a "Certificate of Title" which they issue. That is because the state uses that car as collateral for loans to the state, so at that time the state is the owner of the vehicle. When you buy the vehicle you are actually leasing or renting it from the owner the state for which you get the "Certificate of Title." But it comes with restrictions. THat is why they can tell you you must have insurance on the property the vehicle, you must buckle your seat belts, you must pay the state a yearly fee to register their car, ect. If you don't they can impound or reposess their car and even if you have paid off the loan where you believe the car is yours, when they seize it, the pay you nothing back in return. They then can sell the same vehicle to someone else and charge them a new registration fee. Check the documents you have on your vehicle and see that you hold only a "Certificate of Title."
Who Owns Your House?
Let's follow the same logic for your house. The Federal Governement Has borrowed money on ALL property. Therefore, when you pay off your mortgage and you have the typical mortgage burning party, you still do not own it. You receive a "Title To Deed" and not the deed as it is held by the federal government. You are a tenant. Like your vehicle you have many regulations you must follow. Instead of having to buy a plate yearly like you do with your vehicle or renewal sticker, you have to pay yearly property taxesa. If you don't, they can reposess or seize the property and resell it just for the taxes owed, and you are paid nothing back for all you have paid on the property. If you want to make improvements to THEIR property, you must get a building permit which you pay for to get their permission, and so they know to increase your property taxes because the value increases. A real title is an alloidial title that describes the property such as:
THE UNITED STATES OF AMERICA
Certificate}
No 19.732}
To all to whom these Presents shall come, Greeting:
WHEREAS Henry H. Gird of Louisiana
has deposited in the GENERAL LAND OFFICE of the
United States, a Certificate of the REGISTER OF THE
LAND OFFICE at Edwardsville whereby it appears that
full payment has been made by the said HENRY W. GIRD
according to the provisions of the Act of Congress of
the 24th of April, 1820, entitled "An Act making further
provision for the sale of the Public Lands," for
the South West quarter of Section fifteen, in Township
two North of Range for West of the Third principal
meridian in the District of lands subject to sale at
Edwardsville, Illinois containing one hundred and sixty
acres.
according to the official plat of the survey of the said
Lands, returned to the General Land Office by the
SURVEYOR GENERAL, which said tract has been
purchased by the said
Henry H. Gird
NOW KNOW YE, That
the Unites States of America, in consideration of the
Premises, and in conformity with the several acts of
Congress, to such case made and provided, HAVE
GIVEN AND GRANTED, and by these presents DO GIVE
AND GRANT, unto the said
Henry H. Gird
and to his heirs, the said tract above described: TO
HAVE AND HOLD the same, together with all the rights,
privileges, immunities, and appurtenances of
whatsoever nature, thereunto belonging, unto the said
Henry H. Gird
and to his heirs and assigns forever
IN TESTIMONY WHEREOF, I Martin Van Buren
PRESIDENT OF THE UNITED STATES OF AMERICA,
have caused these Letters to be made PATENT, and
the SEAL of the GENERAL LAND OFFICE to be
hereunto affixed.
given UNDER MY HAND, at the CITY OF WASHINGTON,
the first day of January in the Year of our Lord one
thousand eight hundred and forty and of the
INDEPENDENCE OF THE UNITED STATES the Sixty fourth
BY THE PRESIDENT: Martin Van Buren
I hope this is educational for members of your blog. In Farm
Claims we were told that "Stormin Norman Schwartzkopf, Jr.
was supposed to head up this office.
2 comments:
Opinions to add.
Although dealers can accept a valid ID to sell a car, they cannot put a lien on it or demand the registrations unless you have a drivers license. Valid ID is Military ID, passport, state ID to purchase, but to put to lien the vehicle with the state, the tie in is the driver's license.
If you don't have a driver's license you must pay cash. If the cash is an unsecured loan, my credit union will not give for a car, they wanted to be able to have collateral for that size loan, and they do ask questions to figure out what could possibly cost that much that would be unsecured. Unless the credit is pristine, expect to be denied. Some people borrow from their retirement to get past this obstruction and just pay cash. By the way (BTW), insurance on a car is not tied to having a driver's license.
As for the home, if there is a Home Owners Association, they are the second in line to own the land the home was built on. There usually is no full disclosure of that fact. Since they purchased it first, and then contracted a builder to build homes on it, they are the ones who put in the streets and lights, and want to charge you 'perpetually' for membership as long as you live there.
So even if your state constitution says no perpetual contract shall be made, there is the maxim about private contracts. Anyone can make a private contract of their free will to be in a perpetual agreement for the entire existence of the home on the lot.
The HOA paper is usually the last paper signed in the purchase. If the home is purchased already and the Deed is signed conveying the property to the lender (yes I said that right, you conveyed it to them without knowing), then there is no need to keep signing things that add to the problems and entangle you.
I remember at my first time home purchase closing, I did not know there was an HOA and refused to sign the document, and they were shocked and I listened to them and signed it.
Never will I listen to someone tell me to sign an agreement they aren't stuck with as well.
By the way, about the conveying to the lender, statement. I asked the County Clerk what it meant to be a grantor and a grantee in their database, and her words were, the grantor is the seller and the grantee is buyer.
I thought it strange, that somehow in their database, I was a grantee of the Deed, but the lender was the grantor of the Deed of Trust.
There is a different database listing for Deed, Deed of Trust, birth records, or trusts, or notices, or liens, UCC, etc.
Somehow under the Warranty Deed section of their database I had received the warranty deed to the home and it seems I kept signing and signing and eventually signed the Deed of Trust and they ended up having possession of my home. Huh?
I will figure out that paper trick eventually. I know the promissory note was signed before the Deed of Trust, so it may be that the note purchased it, and they took it out of the room, and the deed of trust gave it back to them.
Now that the home has been stolen by a bank I never did business with, never had an agreement, notice of default, no assignment of the deed of trust to them, etc, and they replaced the trustee and stole the home - now that, that has happened, I haven't gone back to view the Warranty Deed to see if I signed it or to know when I signed it.
By the way, signing a perpetual contract goes against conscience. I will never ever ever again sign a contract that is against conscience, since the founding fathers knew that no one can make you enter an agreement that goes against conscience.
The Creator in me, knew at first sight that I didn't want to sign it and I should have listened to my conscience, and let my conscience be my guide.
Love to all.
yeah, and i understand we dont even own our selves either.
Post a Comment