Tennessee Lender Liability Laws

Summary

In Tennessee, lender liability claims can arise from fraud, breach of contract, and TRID violations. Fraud involves intentional misrepresentation of material facts, while breach of contract occurs when a lender fails to adhere to loan terms. TRID violations involve inaccurate or delayed loan estimates and disclosures. If you have evidence of such misconduct, consider filing a complaint with the Tennessee Department of Financial Institutions and consulting a specialized lawyer. You may also file a motion to compel the bank to produce necessary documents. If forgery or fraud is involved, filing a police report is advisable. For criminal matters, the District Attorney can assist, but for civil claims, a private lawyer is essential.

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I have. During a Bench Trial the loan originator admitted under oath that she had altered the loan and overstated price of the land and changed the structure of the loan to trigger Rescission Rights. Then she admitted to sending the closing disclosure late . After the loan estimate expired and the Intent to proceed expired also. Then when I discovered that the loan was reduced the loan officer was not forthcoming as to the Rescission Rights that were made available by the altered application. I wasn't allowed to exrercise the right to rescind the unfavorable loan.
It sounds like you have a strong case for lender liability based on the loan originator's admission under oath. Here are some key points under Tennessee law:
- Fraud: Intentional misrepresentation of material facts.
- Breach of Contract: Not adhering to the loan agreement terms.
- TRID Violations: Failure to provide accurate loan estimates and disclosures timely.
Do you need information on how to proceed with legal action, or any specific legal advice?
The lender three months later falsely stated that I had been found deficient and forced me to give my business assets as collateral to continue the project of building the house.
It seems you have a solid case for lender liability, especially with the loan originator's admission under oath. Here are some steps you might consider:
- Document Everything: Keep all written evidence and records.
- Consult a Lawyer: A legal professional can provide tailored advice and represent you.
- File a Complaint: Consider filing a complaint with the Tennessee Department of Financial Institutions.
Would you like more detailed information on filing a complaint or finding a lawyer in Tennessee?
I have had a judgement granting the Land and my business assets to them
It sounds like you've encountered a serious issue. Given the judgment against you, consulting a lawyer specializing in lender liability claims and appeals is crucial. They can review your case in detail and determine the best course of action.
Would you like help finding a lawyer in Tennessee to assist with this matter?
. I was unable to get the bank to allow me to look at the account file retained by law. To verify the forged documents that I had found it was necessary for diligence to verify the exhibits as the same as what was used by the bank.
It seems like you have a strong case for lender liability, especially with the loan originator's admission and the judgment against you. Under Tennessee law:
- Fraud: Intentional misrepresentation of material facts.
- Breach of Contract: Not adhering to the loan agreement terms.
- TRID Violations: Failure to provide accurate loan estimates and disclosures timely.
Given the bank's refusal to allow you to examine the account file, you might consider:
- Legal Action: You can file a motion to compel the bank to produce the account file.
- Consult a Lawyer: A legal professional can assist in navigating this complex situation and ensure your rights are protected.
Would you like information on finding a lawyer in Tennessee to assist with this matter?
I have a court date coming up and the judge is now aware that the bank has me terribly wrong and said that I need to get a lawyer that likes to sue people with a lot of money.
It sounds like you have a strong case, especially with the judge's recommendation. In Tennessee, you may want to consider the following steps:
- Consult a Specialized Lawyer: Look for a lawyer experienced in lender liability and financial disputes.
- Prepare Evidence: Gather all documents, communications, and evidence related to your case.
Would you like help finding a lawyer in Tennessee to assist with this matter?
Yes I have evidence of all the things that have said. Forged documents are obvious and the admitted misrepresentation under oath is on the trial recording. As well as the new evidence that I have found since the Bench Trial. The Deeds of Trusts were not properly conveyed and Left unrecorded to hide the fact that the original loan was consummated before the *-day rescission period. Also I have found major discrepancy in the account and the deposit information on my account statements
It looks like you have a strong case. Here are some relevant Tennessee laws regarding lender liability claims:
- Fraud: Intentional misrepresentation of material facts.
- Breach of Contract: Failure to adhere to the loan agreement terms.
- TRID Violations: Inaccurate or delayed loan estimates and disclosures.
Would you like assistance in finding a specialized lawyer in Tennessee?
Yes please
You have a strong case given the evidence and the judge's recommendation.

Tennessee Bar Association


Phone: (*) *-*
Website: www.tba.org

They can help you find a specialized lender liability lawyer in Tennessee. Would you like more details on the next steps?
Yes please

Tennessee Bar Association


Phone: (*) *-*
Website: www.tba.org

Next steps:
- Contact the Tennessee Bar Association to find a specialized lender liability lawyer.
- Prepare all your evidence, including written communications, documents, and trial recordings.
- Your lawyer can guide you through the process of filing motions and presenting your case.
Would you like to know more about preparing for your court date?
Yes
Here are some tips to prepare for your court date:
- Organize Documents: Arrange all evidence chronologically.
- Trial Recordings: Ensure you have copies of relevant recordings.
- Witnesses: Identify potential witnesses who can support your claims.
- Mock Trial: Practice presenting your case with your lawyer.
Would you like more details on any of these steps?
Yes how do I prepare the recording ? I have the key moments memorized as far as the exact minute that the admissions are on the cdrom
To prepare the recording:
- Label Key Moments: Write down the exact times of key admissions.
- Create Transcripts: Transcribe the important parts of the recording.
- Make Copies: Ensure you have multiple copies of the CD-ROM.
- Highlight Key Points: Prepare to highlight these moments in court.

Need assistance with anything else?
Do I have to have a professional transcript prepared or can I just use my own record and cite the time date and volume of the cdrom
You can generally use your own record and cite the time, date, and volume of the CD-ROM. However, a professional transcript might be more credible and easier for the court to review.
Would you like more details on how to create a professional transcript?
Yes
To create a professional transcript:
- Hire a Transcription Service: Look for a reputable service experienced in legal transcription.
- Provide Clear Instructions: Indicate key moments and details.
- Verify Accuracy: Review the transcript for errors.
- Certify the Transcript: Ensure it’s certified by the transcriber.
Need help finding a transcription service?
Yes please

Tennessee Bar Association


Phone: (*) *-*
Website: www.tba.org

They can help you find a transcription service experienced in legal documents. Would you like additional tips on preparing for your court date?
Yes
Here are additional tips to prepare for your court date:
- Review Evidence: Go through all your evidence thoroughly.
- Consult Your Lawyer: Regularly discuss your strategy with your lawyer.
- Stay Calm: Practice staying composed while presenting your case.
- Understand Legal Terms: Familiarize yourself with relevant legal terms.
Need assistance with anything else?
Yes can you give me some good advice on what motion to file in the lower court review or am I not allowed to go back to the Lower Court after I had appealed the decision
You may consider filing a Motion for Reconsideration or a Motion for Relief from Judgment under Rule * of the Tennessee Rules of Civil Procedure if new evidence or errors in the judgment exist. Consulting your lawyer is crucial for tailored advice.
Would you like more details on these motions?
time barred for that motion can I file my own lawsuit for the fact that three liens were secured by the same property and they did not bring but one promissory note and they tried to sell the house and they couldn't because they had fraudulently conveyed
You may have grounds to file a new lawsuit if you can demonstrate fraud or improper conduct related to the liens and promissory notes.
- Fraudulent Conveyance: If the liens were not validly secured or conveyed.
- Improper Foreclosure: If the sale was attempted without all necessary promissory notes.
Would you like more information on how to proceed with filing a new lawsuit?
Yes please
To file a new lawsuit in Tennessee:
- Draft a Complaint: Outline the fraudulent actions and improper conduct.
- File the Complaint: Submit it to the relevant court.
- Serve the Defendants: Ensure the defendants receive the complaint.
- Prepare Evidence: Collect all supporting documents and evidence.
Would you like more details on any of these steps?
Yes I have to ask if I need to file a police report for the fact that forgery and fraud are prima facia
It is generally advisable to file a police report when forgery and fraud have occurred, as these are criminal offenses. Filing a report can help document the issue and may support your case.
Would you like more information on how to file a police report?
Will I be able to get help from a da
You may be able to get help from a District Attorney (DA) if your case involves criminal conduct, such as forgery and fraud. They can prosecute criminal offenses. However, for civil claims like lender liability, consulting a private lawyer is essential.
Would you like to know more about how to get in touch with a DA?
Yes
To get in touch with a District Attorney (DA) in Tennessee, you can contact your local DA's office. They can assist with prosecuting criminal offenses such as forgery and fraud.
Would you like help finding the contact details for your local DA's office?
I'm good for now thank you.
You're welcome! If you need any assistance in the future, feel free to reach out. Best of luck with your case!