obamas "widerwahl" ist für mich der verschreiber des jahres.
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ich glaube kaum, das man diese Frau in einem so hoch dotiertem Segment, ganz allein agieren lässt. Da ist nicht nur die Person Mary damit verhaftet.
Da spielen Dinge eine Rolle, die wir nicht mal ansatzweise erahnen, denke ich.
Da sind sogar Verschwörungstheorien fehl am Platze, weil ganz bewußt gesteuert, weil hier es um was geht, was nicht beweisbar ist und sein wird.
Da spielen Dinge eine Rolle, die wir nicht mal ansatzweise erahnen, denke ich.
Da sind sogar Verschwörungstheorien fehl am Platze, weil ganz bewußt gesteuert, weil hier es um was geht, was nicht beweisbar ist und sein wird.
schwan dunkelgrau ? da gehe ich doch heute mal mit dem kurs konform : +2,1%
grüsse 38dh
grüsse 38dh
ich lese da einige zahlen, da hab ich ein wenig probleme.
ohne jetzt auf die chancen der kleinstaktionäre einzugehen, wmi wird ab dem februar (hoffentlich mit einem geänderten por) aus der konkursverwaltung entlassen.
die wamu, wamkq und wampq werden ziemlich sicher anteile an der neuen wmi halten, und sollten daher vom wert der neuen wmi profitieren.
da die nols zwischen 4,6 und 12 mrd wert sein können, sollten auch wenn für die verwertung der nols partner notwendig sind, einiges an wert für die wmineu herauskommen. wenn man einen minimumwetr sucht, und die 4,5 mrd mit einem partner halbe halbe teilt, bleiben für die wmineu aktien ein mindestwert von etwa 11,25 dollar je wmineu aktie.
das würde ohne dimeq bedeuten, dass die wampq etwa 190 dollar, für die wamkq etwa 5 dollar und für die wamuq etwa 0,38 dollar wert wären.
beimk maximum würde das bedeuten, etwa 12 mrd ohne partner verwertet, da nehme ich 66%, macht 8 mrd, und etwa 40 dollar je wmineu aktie.
dann steht da für die wampq etwa 680 dollar, für die wamkq etwa 18 dollar, und für die wamu etwa 1,33.
das ist jetzt nur die wmineu mit dem neuen gescgäftsmodell, ausbau der zwei arbeitsplätze, grins.
dazu kommt jetzt der ertrag aus dem liquidation trust, und dem litigation trust.
und da wirds schon mal sehr interesant, den angeblich haben die bondholder, die sich bei den 10 mio (5%) wmineu einkaufen, eine vereinbarung, das sie ihre erträge aus dem liquidationtrust an die wminneu abtreten.
das könnten jatzt die wahuqs sein, etwa 70% der wahuqs, oder etwa 500 mio an forderungen, gehören den hedgefunds.
womit wir zu den zwei anderen wmi papieren kommen, den dimeqs und den wahuq. wenn die dimeqs ihren prozess gewinnen, dann sind sie im wasserfall entweder gleichrangig oder aber sogar vor den wahuq (ich gehe mal von gleichrangig aus).
das würde bedeuten, etwa 9% ihrer forderungen werden sofort erfüllt, ebenso wie bei den wahuq, der rest kommt aus den erträgen der liquidation und litigation trusts.
sprich, aus den möglichen diskrepanzen der bewertung der wmi und wmi investment assets (da wird ja im mor so schön darauf hingewiesen, grins) und aus den klagen gegen dritte.
und so wie ich das verstehe, gehen diese erträge direkt im wasserfall an die aktionäre.
das bedeutet, wenn der litigation trust mit seinen klagen gegen dritte als beispiel 2 mrd einnimmt, dann gehen mal etwa 300mio an die dimeqs, und etwa 200 mio an die wahuq halter (*** da gibts noch eine anmerkung).
bleiben 1500 mio, und da habe ich noch zu wenig informationen, wie die aufgeteilt werden. wenn es nach dem wasserfall geht, müssten die vorzüge die nächsten sein, aber da kann ich mir nicht vorstellen, dass es da nicht eine grenze gibt. denn wenn die wmineu zu 66,5 % den vorzügen gehört, und die nols verwertet werden können, dann könnten z.b die wampq um die 700 aus diesem teil wert sein. wenn da nun noch 590 dollar aus den trusts dazukommt, wären die wampq etwa 1290 dollar wert (bei einem klage gegen dritte ergebnis von 2 mrd kalkuliert)
ich kann mir das nicht vorstellen, das die vorzüge da aus den trusts möglicherweise 100% des nominales bekommen, bevor die wamuqs etwas bekommen, und zusätzlich noch an der wmineu mit 70% partizipieren.
aber zurück zu den dimeqs und wahuqs, die dimeqs würden dann bei einem verlassen der konkursverwaltung bei etwa 30 cent liegen, und je nach dem, wie der liquidation (liquidation) und litigation (verhandlungs) trust läuft, auf bis zu 2,4 dollar kommen.
die wahuq sollten mit 3,2 starten, und dann je nach ergebnis der trusts und der rechtslage (zinsen oder nicht, grins) auf entweder 10,9 dollar oder 36 dollar kommen.
denkt bei diesen zahlen daran, welche annahmen da vorliegen, es müssen die nols zumindest zu 50% verwertet werden, und für den verhandlungstopf (litigationtrust) müssten 2 mrd an vergleichszahlungen erfolgen.
zu den liquidation trust wage ich keine vorhersage, da könnten aber auch noch einige 100 mio drinliegen.
aber, und jetzt kommt das grosse aber, die verwertung der wmi ist gut und schön, solange wir auch davon profitieren, und nicht rausgedrängt werden. und das müssen wir in den por reinbringen, von den releases gegen rosen, fishman und jpm mal ganz abgesehen.
*** die wahuq könnten nach der ansicht von wal rat für die verlorenen zinsen der senior und junior anleihen bezahlen müssen. aber, das ist bis heute nur könnte, denn ein echtes urteil dazu gibt es nicht.
ohne jetzt auf die chancen der kleinstaktionäre einzugehen, wmi wird ab dem februar (hoffentlich mit einem geänderten por) aus der konkursverwaltung entlassen.
die wamu, wamkq und wampq werden ziemlich sicher anteile an der neuen wmi halten, und sollten daher vom wert der neuen wmi profitieren.
da die nols zwischen 4,6 und 12 mrd wert sein können, sollten auch wenn für die verwertung der nols partner notwendig sind, einiges an wert für die wmineu herauskommen. wenn man einen minimumwetr sucht, und die 4,5 mrd mit einem partner halbe halbe teilt, bleiben für die wmineu aktien ein mindestwert von etwa 11,25 dollar je wmineu aktie.
das würde ohne dimeq bedeuten, dass die wampq etwa 190 dollar, für die wamkq etwa 5 dollar und für die wamuq etwa 0,38 dollar wert wären.
beimk maximum würde das bedeuten, etwa 12 mrd ohne partner verwertet, da nehme ich 66%, macht 8 mrd, und etwa 40 dollar je wmineu aktie.
dann steht da für die wampq etwa 680 dollar, für die wamkq etwa 18 dollar, und für die wamu etwa 1,33.
das ist jetzt nur die wmineu mit dem neuen gescgäftsmodell, ausbau der zwei arbeitsplätze, grins.
dazu kommt jetzt der ertrag aus dem liquidation trust, und dem litigation trust.
und da wirds schon mal sehr interesant, den angeblich haben die bondholder, die sich bei den 10 mio (5%) wmineu einkaufen, eine vereinbarung, das sie ihre erträge aus dem liquidationtrust an die wminneu abtreten.
das könnten jatzt die wahuqs sein, etwa 70% der wahuqs, oder etwa 500 mio an forderungen, gehören den hedgefunds.
womit wir zu den zwei anderen wmi papieren kommen, den dimeqs und den wahuq. wenn die dimeqs ihren prozess gewinnen, dann sind sie im wasserfall entweder gleichrangig oder aber sogar vor den wahuq (ich gehe mal von gleichrangig aus).
das würde bedeuten, etwa 9% ihrer forderungen werden sofort erfüllt, ebenso wie bei den wahuq, der rest kommt aus den erträgen der liquidation und litigation trusts.
sprich, aus den möglichen diskrepanzen der bewertung der wmi und wmi investment assets (da wird ja im mor so schön darauf hingewiesen, grins) und aus den klagen gegen dritte.
und so wie ich das verstehe, gehen diese erträge direkt im wasserfall an die aktionäre.
das bedeutet, wenn der litigation trust mit seinen klagen gegen dritte als beispiel 2 mrd einnimmt, dann gehen mal etwa 300mio an die dimeqs, und etwa 200 mio an die wahuq halter (*** da gibts noch eine anmerkung).
bleiben 1500 mio, und da habe ich noch zu wenig informationen, wie die aufgeteilt werden. wenn es nach dem wasserfall geht, müssten die vorzüge die nächsten sein, aber da kann ich mir nicht vorstellen, dass es da nicht eine grenze gibt. denn wenn die wmineu zu 66,5 % den vorzügen gehört, und die nols verwertet werden können, dann könnten z.b die wampq um die 700 aus diesem teil wert sein. wenn da nun noch 590 dollar aus den trusts dazukommt, wären die wampq etwa 1290 dollar wert (bei einem klage gegen dritte ergebnis von 2 mrd kalkuliert)
ich kann mir das nicht vorstellen, das die vorzüge da aus den trusts möglicherweise 100% des nominales bekommen, bevor die wamuqs etwas bekommen, und zusätzlich noch an der wmineu mit 70% partizipieren.
aber zurück zu den dimeqs und wahuqs, die dimeqs würden dann bei einem verlassen der konkursverwaltung bei etwa 30 cent liegen, und je nach dem, wie der liquidation (liquidation) und litigation (verhandlungs) trust läuft, auf bis zu 2,4 dollar kommen.
die wahuq sollten mit 3,2 starten, und dann je nach ergebnis der trusts und der rechtslage (zinsen oder nicht, grins) auf entweder 10,9 dollar oder 36 dollar kommen.
denkt bei diesen zahlen daran, welche annahmen da vorliegen, es müssen die nols zumindest zu 50% verwertet werden, und für den verhandlungstopf (litigationtrust) müssten 2 mrd an vergleichszahlungen erfolgen.
zu den liquidation trust wage ich keine vorhersage, da könnten aber auch noch einige 100 mio drinliegen.
aber, und jetzt kommt das grosse aber, die verwertung der wmi ist gut und schön, solange wir auch davon profitieren, und nicht rausgedrängt werden. und das müssen wir in den por reinbringen, von den releases gegen rosen, fishman und jpm mal ganz abgesehen.
*** die wahuq könnten nach der ansicht von wal rat für die verlorenen zinsen der senior und junior anleihen bezahlen müssen. aber, das ist bis heute nur könnte, denn ein echtes urteil dazu gibt es nicht.
"ein silber panda oder ein silber kookaburra kann die welt verbessern, grins" crasht jpm
shame on me, breites grins. diese verdammten freudschen fehlleistungen.
wenn er doch nur dafür sorgen würde, das die us justiz etwas besser arbeiten würde, der rest seiner arbeit ist durchaus mit george w. bush vergleichbar, und der wurde doch auch widergewählt (wider florida).
wenn er doch nur dafür sorgen würde, das die us justiz etwas besser arbeiten würde, der rest seiner arbeit ist durchaus mit george w. bush vergleichbar, und der wurde doch auch widergewählt (wider florida).
"ein silber panda oder ein silber kookaburra kann die welt verbessern, grins" crasht jpm
sorry die falsche Taste erwischt.
Komm gerade von der Spätschicht heim. Und beim kurzen überfliegen stelle ich fest.........im Westen nichts Neues.
Wünsche trotzdem allen besinnliche Feiertage. Lasst es auch gut gehen, schaltet mal ab, damit ihr dann für den 29.12. fit seit ( da steht ja anscheinend wieder ein hearing an)
j.w
Komm gerade von der Spätschicht heim. Und beim kurzen überfliegen stelle ich fest.........im Westen nichts Neues.
Wünsche trotzdem allen besinnliche Feiertage. Lasst es auch gut gehen, schaltet mal ab, damit ihr dann für den 29.12. fit seit ( da steht ja anscheinend wieder ein hearing an)
j.w
nichts bekommen in seinem auto ist der sitz immer noch der selbe.............
und vor dem Aldi stand die karre auch noch gleich wie letzte woche
und vor dem Aldi stand die karre auch noch gleich wie letzte woche
(Verkleinert auf 93%) 
"Alle ein Gedichtchen gelernt ?"
H i e r i s t n o c h e i n ` s :
Seid nicht so traurig liebe Leute,
zunächst macht Mary fette Beute,
denn sie erhält den Stillstandspreis,
sie hofft, daß niemand davon weiß !
Der Flug to Cayman`s kostet Kraft,
man hofft, daß sie das auch gut schafft,
wenn sie zurück kommt und dann lacht,
man weiß, daß sie so weiter macht !
So`n bischen Geld von J.P. Morgan,
vertreibt den Kummer und die Sorgen,
das Finanzamt läßt sie außen vor,
erwartet bald den neuen Por !
Der Rosen kommt ihr da entgegen,
will möglichst schnell rein nichts bewegen,
wie`s ist, so soll auch möglichst alles bleiben,
die Hände will sich J.P.M. bald reiben !
Und dann passiert es immer wieder,
der Brian fühlt sich schon als Sieger,
wirft ständig neu Präsente hin,
und schaut man `rein, dann ist nichts `drin !
Das ist des Rosen`s Strategie,
zeigt mit dem Finger und sagt D I E,
die and`ren sind an allem schuld,
bleibt ihr nur ruhig, habt Geduld !
Die Einigung steht kurz bevor,
sie ist schon `drin im nächsten Por,
ihr werdet es schon bald erfahren,
der Abschluß folgt in wen`gen Jahren !
Drum `raus aus Eurer Frustration,
vielleicht gibt`s bald `ne Sensation,
der Kurs rast hoch, das glaub`ich auch,
von Rosen bleibt nur Schall und Rauch !
....Und immer `dran denken, was noch nicht ist, kann immer noch ausbleiben ! :-)))
Ehrenerklärung: Garantiert kein Plagiat !
Johannes Gutenberg ( mit einem t ) erfand im 15. Jahrhundert den Buchdruck,
Karl-Theodor zu Guttenberg ( mit zwei tt ) erfand im 21. Jahrhundert das Copieren ! :-)))
H i e r i s t n o c h e i n ` s :
Seid nicht so traurig liebe Leute,
zunächst macht Mary fette Beute,
denn sie erhält den Stillstandspreis,
sie hofft, daß niemand davon weiß !
Der Flug to Cayman`s kostet Kraft,
man hofft, daß sie das auch gut schafft,
wenn sie zurück kommt und dann lacht,
man weiß, daß sie so weiter macht !
So`n bischen Geld von J.P. Morgan,
vertreibt den Kummer und die Sorgen,
das Finanzamt läßt sie außen vor,
erwartet bald den neuen Por !
Der Rosen kommt ihr da entgegen,
will möglichst schnell rein nichts bewegen,
wie`s ist, so soll auch möglichst alles bleiben,
die Hände will sich J.P.M. bald reiben !
Und dann passiert es immer wieder,
der Brian fühlt sich schon als Sieger,
wirft ständig neu Präsente hin,
und schaut man `rein, dann ist nichts `drin !
Das ist des Rosen`s Strategie,
zeigt mit dem Finger und sagt D I E,
die and`ren sind an allem schuld,
bleibt ihr nur ruhig, habt Geduld !
Die Einigung steht kurz bevor,
sie ist schon `drin im nächsten Por,
ihr werdet es schon bald erfahren,
der Abschluß folgt in wen`gen Jahren !
Drum `raus aus Eurer Frustration,
vielleicht gibt`s bald `ne Sensation,
der Kurs rast hoch, das glaub`ich auch,
von Rosen bleibt nur Schall und Rauch !
....Und immer `dran denken, was noch nicht ist, kann immer noch ausbleiben ! :-)))
Ehrenerklärung: Garantiert kein Plagiat !
Johannes Gutenberg ( mit einem t ) erfand im 15. Jahrhundert den Buchdruck,
Karl-Theodor zu Guttenberg ( mit zwei tt ) erfand im 21. Jahrhundert das Copieren ! :-)))
aufgeschrieben hat..........kann ich einfach nicht lesen.
........das ist die chinesische grins - Kurzversion für :
"Merry christmas, happy new year and good luck you all" ..........
........unterzeichnet vom verwunschenen Sohn einer reudigen Schlange namens Rosen !
"Merry christmas, happy new year and good luck you all" ..........
........unterzeichnet vom verwunschenen Sohn einer reudigen Schlange namens Rosen !
das ist auch gut so ;-))))))
United arbeitet weiter im Hintergrund fleißig - alle Mitglieder haben heute BM bekommen.
Darin steht aber nix anderes, wie in meinem letzten Posting hier, das war nur noch mal "persöhnlich".
Wir werden euch jetzt aber verstärkt zur Mitarbeit auffordern. Für Sachen die wir vorbereitend für wichtig halten und mit unserer Anzahl an Personen nicht schaffen. Und als Unterstützung für diejenigen, die immer die Objections und andere Aktionen vorbereiten. Die haben nämlich keine Zeit für Kinkerlitzchen und Smalltalk hier. UNITED wird arbeiten, bis man uns das Licht ausbläst. Und auch dann haben wir noch eine Verantwortung - Cat und Chelsea.
Es gibt einiges, wo ihr uns unterstützen könnt.
Dies werden wir dann aber im United Forum ansprechen, um das Forum hier frei für den "wichtigen" Informationsbereich zu halten ;-)))
Kurze Frage an die Spezialisten:
Kann ich 15 eigene PDF in einem Beitrag einfügen?????
Antwort gerne per BM
Lou
United arbeitet weiter im Hintergrund fleißig - alle Mitglieder haben heute BM bekommen.
Darin steht aber nix anderes, wie in meinem letzten Posting hier, das war nur noch mal "persöhnlich".
Wir werden euch jetzt aber verstärkt zur Mitarbeit auffordern. Für Sachen die wir vorbereitend für wichtig halten und mit unserer Anzahl an Personen nicht schaffen. Und als Unterstützung für diejenigen, die immer die Objections und andere Aktionen vorbereiten. Die haben nämlich keine Zeit für Kinkerlitzchen und Smalltalk hier. UNITED wird arbeiten, bis man uns das Licht ausbläst. Und auch dann haben wir noch eine Verantwortung - Cat und Chelsea.
Es gibt einiges, wo ihr uns unterstützen könnt.
Dies werden wir dann aber im United Forum ansprechen, um das Forum hier frei für den "wichtigen" Informationsbereich zu halten ;-)))
Kurze Frage an die Spezialisten:
Kann ich 15 eigene PDF in einem Beitrag einfügen?????
Antwort gerne per BM
Lou
nicht in Ruhe...
Ich sehe ein, dass man diese Splits durchführen kann, um den Börsenkurs zu erhöhen oder um die Anlegenzahl zu verringern. So eine Split-Ratio müsste auf der Aktionärsversammlung beschlossen werden, was bedeutet, dass die Gegner der Kleinanleger die Mehrzahl der Stimmen auf sich vereinen müssten.
Bei nur geschätzten 30% Besitz am Unternehmen (unabhängig von Dimeq-Entscheidung) durch jetzige Stammaktionäre, haben wir da wenig Einfluss. Da muss ich faster zustimmen.
Im POR/GSA sollte eigentlich eine maximal erlaubte Reverse-Split-Ratio über die nächsten x Jahre limitierend ergänzt werden, um diese Benachteiligung zu beseitigen.
Und wie sieht es eigentlich mit Bruchstücken bei solchen Splits aus? Wenn ein Rest bei der Division übrig bleibt? Wird er einfach gegen Geld ausgezahlt?
Über Aktienzusammenlegung:
en.wikipedia.org/wiki/Reverse_stock_split
Ich sehe ein, dass man diese Splits durchführen kann, um den Börsenkurs zu erhöhen oder um die Anlegenzahl zu verringern. So eine Split-Ratio müsste auf der Aktionärsversammlung beschlossen werden, was bedeutet, dass die Gegner der Kleinanleger die Mehrzahl der Stimmen auf sich vereinen müssten.
Bei nur geschätzten 30% Besitz am Unternehmen (unabhängig von Dimeq-Entscheidung) durch jetzige Stammaktionäre, haben wir da wenig Einfluss. Da muss ich faster zustimmen.
Im POR/GSA sollte eigentlich eine maximal erlaubte Reverse-Split-Ratio über die nächsten x Jahre limitierend ergänzt werden, um diese Benachteiligung zu beseitigen.
Und wie sieht es eigentlich mit Bruchstücken bei solchen Splits aus? Wenn ein Rest bei der Division übrig bleibt? Wird er einfach gegen Geld ausgezahlt?
Über Aktienzusammenlegung:
en.wikipedia.org/wiki/Reverse_stock_split
Law360, Wilmington (December 22, 2011, 6:12 PM ET) -- Washington Mutual Inc. asked a Delaware bankruptcy judge on Wednesday to approve a $50 million settlement with the federal government on claims related to the 1988 savings and loan crisis that the company inherited through a merger.
The government agreed to pay the sum to WMI to resolve a judgment handed down in 2006 by the Court of Federal Claims in favor of American Savings Bank FA, which WMI acquired in 1996, according to the motion. The lawsuit was one of 125 cases — known as...
www.law360.com/bankruptcy/articles/296087/...an-claims-for-50m
The government agreed to pay the sum to WMI to resolve a judgment handed down in 2006 by the Court of Federal Claims in favor of American Savings Bank FA, which WMI acquired in 1996, according to the motion. The lawsuit was one of 125 cases — known as...
www.law360.com/bankruptcy/articles/296087/...an-claims-for-50m
Alle sind schon drin und der Kurs wird limitiert durch Shorter-Millionen der MM´´s!!!
Die nächsten Shortzahlen kommen leider erst am 27.12. raus, dann werden wir sehen, ob sie wieder zugeschlagen haben (bis 15.12). Da wäre der Mini-Hype dann mit enthalten...
Grüße
kroetendetektor
Moin Moin,
hier für alle die gerne mehrere PDF Dokumente / Datein zu einer einzigen PDF zusammen fügen möchten:
mit diesem programm (FREEWARE) kannst du mehrere pdf dokumente zu einer zusammen fügen!!!
ich hoffe das hilft dir auch irgendwie weiter.
ORIGINAL SEITE : freepdfxp.de/xpDownload.html
hier ist es noch mal bei Chip.de zu finden: www.chip.de/downloads/FreePDF_19987224.html
Du mußt zu erst dieses Download Ghostscript 9.04 32-Bit / 64-Bit instalieren und danach freepdf.
Wünsche auch auf diesem Wege allen eine besinnliche und vor allem schöne Tage mit ihren liebsten.
liebe grüße
euer Karl. M.
ALLES WIE IMMER OHNE GEWÄHR :)
9242 Order Shortening the Notice and Objection Periods with Respect to Motion of Debtors for an Order, Pursuant to Section 105(a) of the Bankruptcy Code and Bankruptcy Rule 9019, Approving Settlement Between Washington Mutual, Inc. and the United States with Respect to the American Savings Litigation
www.kccllc.net/documents/0812229/0812229111222000000000019.pdf
9243 Omnibus Order Awarding Interim Allowance of Compensation for Services Rendered and for Rembursement of Expenses
www.kccllc.net/documents/0812229/0812229111222000000000017.pdf
§9244 Notice of Hearing on Motion of Debtors for an Order, Pursuant to Section 105(a) of the Bankruptcy Code and Bankruptcy Rule 9019, Approving Settlement Between Washington Mutual, Inc. and the United States with Respect to the American Savings Litigation
www.kccllc.net/documents/0812229/0812229111222000000000018.pdf
9245 Certificate of No Objection Regarding Twentieth Monthly Application of Ashby & Geddes, P.A., as Delaware Counsel to the Official Committee of Equity Security Holders of Washington Mutual, Inc. et al., for Allowance of Compensation for Services Rendered and Reimbursement of Expenses Incurred for the Period of October 1, 2011 Through October 31, 2011
www.kccllc.net/documents/0812229/0812229111222000000000020.pdf
9246 Thirty-Eighth Monthly Application of Pepper Hamilton LLP, Co-counsel for the Official Committee of Unsecured Creditors, for Compensation and Reimbursement of Expenses Incurred for the Period November 1, 2011 Through November 30, 2011
www.kccllc.net/documents/0812229/0812229111222000000000021.pdf
§9247 Notice of Filing Application re: Thirty-Eighth Monthly Application of Pepper Hamilton LLP, Co-counsel for the Official Committee of Unsecured Creditors, for Compensation and Reimbursement of Expenses Incurred for the Period November 1, 2011 Through November 30, 2011
www.kccllc.net/documents/0812229/0812229111222000000000022.pdf
www.kccllc.net/documents/0812229/0812229111222000000000019.pdf
9243 Omnibus Order Awarding Interim Allowance of Compensation for Services Rendered and for Rembursement of Expenses
www.kccllc.net/documents/0812229/0812229111222000000000017.pdf
§9244 Notice of Hearing on Motion of Debtors for an Order, Pursuant to Section 105(a) of the Bankruptcy Code and Bankruptcy Rule 9019, Approving Settlement Between Washington Mutual, Inc. and the United States with Respect to the American Savings Litigation
www.kccllc.net/documents/0812229/0812229111222000000000018.pdf
9245 Certificate of No Objection Regarding Twentieth Monthly Application of Ashby & Geddes, P.A., as Delaware Counsel to the Official Committee of Equity Security Holders of Washington Mutual, Inc. et al., for Allowance of Compensation for Services Rendered and Reimbursement of Expenses Incurred for the Period of October 1, 2011 Through October 31, 2011
www.kccllc.net/documents/0812229/0812229111222000000000020.pdf
9246 Thirty-Eighth Monthly Application of Pepper Hamilton LLP, Co-counsel for the Official Committee of Unsecured Creditors, for Compensation and Reimbursement of Expenses Incurred for the Period November 1, 2011 Through November 30, 2011
www.kccllc.net/documents/0812229/0812229111222000000000021.pdf
§9247 Notice of Filing Application re: Thirty-Eighth Monthly Application of Pepper Hamilton LLP, Co-counsel for the Official Committee of Unsecured Creditors, for Compensation and Reimbursement of Expenses Incurred for the Period November 1, 2011 Through November 30, 2011
www.kccllc.net/documents/0812229/0812229111222000000000022.pdf
zu faster
"...aber, und jetzt kommt das grosse aber, die verwertung der wmi ist gut und schön, solange wir auch davon profitieren, und nicht rausgedrängt werden. und das müssen wir in den por reinbringen, von den releases gegen rosen, fishman und jpm mal ganz abgesehen...".
Bitte biete uns eine Formulierung an, wie wir das in einer POR-Objection handhaben können.
Du weist ja, schon in der Bibel steht," nicht an den Worten allein, sondern an den Taten...",
also, wie, und explizit ist deine Formulierungsempfehlung für die Objection zum POR.?!!!
Übrigens! Deadline ist lt. Aussage von Rosen am 11ten Jan!!!
zu Pjöngjang
"...Law360, Wilmington (December 22, 2011, 6:12 PM ET) -- Washington Mutual Inc. asked a Delaware bankruptcy judge on Wednesday to approve a $50 million settlement with the federal government on claims related to the 1988 savings and loan crisis that the company inherited through a merger...".
Dem Lesewilligen wird dieses Doc. weiter helfen.
http://www.kccllc.net/documents/0812229/0812229111221000000000024.pdf
Schwer vor zu stellen, dass sich die Dimeq mit den 50 Mio zufrieden geben werden.
Die Verhandlung, inzwischen auf den 29ten Dez festgelegt,. wird Näheres zeigen.
Ich fürchte die Differenz von 50 Mio auf 336 Mio wird vom Anteil der Commons an der NewCo abgeknabbert werden, außer der POR kommt zu Fall, was ganz sicher nicht ohne den tatkräftigen Einsatz eines jeden Commons Halter in Form einer Objection zu DS und zum POR gehen wird.
N.m.M. werden wir den POR kaum grundsätzlich ändern können., außer er kommt zu Fall ( DIMEQ,TPS, Superprotest, Ungeahntes?...), aber wir können verhindern/ beschränken was uns bei einem Cram Down noch abgeknabbert werden könnte, ggf. sogar eine Verbesserung erzielen.
Dazu müssen wir uns aber ganz arg laut bemerkbar machen, wenn wir wenigstens eine Chance haben wollen..
Do not forget. Das DS strotzt gerade so vor Unbekannten und Variablen!!!
I'm beginning to think there is nothing worse than a massive bankruptcy case that continues to play out a la "Groundhog Day"...but apparently, this is the fate of Washington Mutual. If three years of bankrupcty hearings weren't bad enough, two months of closed door mediation spent silently praying for a resolution...with, ahem, less than the full complement of players...produces...surprise, surprise...unhappiness amongst those players left out. Wow, who'd have seen that coming?
Of course, the purposely vague Disclosure Statement is clearly a cover for a multitude of sins, and we can only continue to hope and pray that these are soon discovered, rectified and dispensed with!
Today's hearing, a scheduling quagmire and mediation update started interestingly...JMW was in the midst of holding another hearing at the time that most participants are usually noisily coming into the courtoom...and like a bad psychology experiment, at least half of the attorneys walked in and started talking loudly to key players who were seated in the back row...hello? when are they ever in the back row?? I digress. Art walked in, and for someone who is usually affable, he was clearly unhappy. Mediation with the LTW's had failed just yesterday (hence his filing in opposition to the DS) and he was noticably tense.
William Duke (hi Bill!) was on the phone and was first up to argue his objection re BOLI/COLI. Of course, it wasn't really the time to do it...why he had to be put through the paces before JMW told him that...but, he'll be back at the confirmation hearing to help figure out where a lot of money, that should be the estate's is buried...
Art's terse objection to the DS served as reminder to all that this POR may well get confirmed, but the terms are still being written. Of course, that was followed by two members of the TPS consortium who also reminded us they are not in agreement with the terms in the DS, as did the Wells Fargo Trustee (actually, he waffled on the issue, but left the door open). Another shareholder, on the phone inquiring about the lack of representation for the PIERS managed to have a one on one with Fred Hoddera of the UCC...frankly, the feeling I was left with today was that after all of the goings on over the last three years, JMW did not set the stage for the mediation to be the stop of last refuge...so we're likely to swing our partners around the dance floor at least one more time...
We did, however, learn that the government is ready to pony up 50 million by the end of the year to settle the American Savings issue...BR said if it wasn't agreed to by JMW by 12/31, after Jan. 1 the amount would increase by another $750,000...I am just wondering how long she needs to delay hearing this motion in order to have 2X value for the common stockholders :) I say, let 'em wait :)
Let's not forget Jane Leamy, the US Trustee's attorney, who managed to find $41,000 in fees from the April to December billings of Weil's that she wants returned...personally, I think that's an insult, although I'm glad there's something coming back. She also managed to get $18,000 returned and is working on a bit more...
In all honesty, I left today discouraged to see our legal system in action. I understand about the process and how JMW can only rule on what's in front of her...but I've sat in enough hearings with other judges now to know that often...they help shape the case by their comments...and I left wishing that our judge was willing to do that a bit more.
A brief hearing next week on 12/29 for American Savings, an omnibus hearing on the 5th...and then the DS hearing on the 11th. A busy few weeks for the Wamu "family".
Happy Holidays to all...as always, these are only my thoughts and opinions.
Ilene
Of course, the purposely vague Disclosure Statement is clearly a cover for a multitude of sins, and we can only continue to hope and pray that these are soon discovered, rectified and dispensed with!
Today's hearing, a scheduling quagmire and mediation update started interestingly...JMW was in the midst of holding another hearing at the time that most participants are usually noisily coming into the courtoom...and like a bad psychology experiment, at least half of the attorneys walked in and started talking loudly to key players who were seated in the back row...hello? when are they ever in the back row?? I digress. Art walked in, and for someone who is usually affable, he was clearly unhappy. Mediation with the LTW's had failed just yesterday (hence his filing in opposition to the DS) and he was noticably tense.
William Duke (hi Bill!) was on the phone and was first up to argue his objection re BOLI/COLI. Of course, it wasn't really the time to do it...why he had to be put through the paces before JMW told him that...but, he'll be back at the confirmation hearing to help figure out where a lot of money, that should be the estate's is buried...
Art's terse objection to the DS served as reminder to all that this POR may well get confirmed, but the terms are still being written. Of course, that was followed by two members of the TPS consortium who also reminded us they are not in agreement with the terms in the DS, as did the Wells Fargo Trustee (actually, he waffled on the issue, but left the door open). Another shareholder, on the phone inquiring about the lack of representation for the PIERS managed to have a one on one with Fred Hoddera of the UCC...frankly, the feeling I was left with today was that after all of the goings on over the last three years, JMW did not set the stage for the mediation to be the stop of last refuge...so we're likely to swing our partners around the dance floor at least one more time...
We did, however, learn that the government is ready to pony up 50 million by the end of the year to settle the American Savings issue...BR said if it wasn't agreed to by JMW by 12/31, after Jan. 1 the amount would increase by another $750,000...I am just wondering how long she needs to delay hearing this motion in order to have 2X value for the common stockholders :) I say, let 'em wait :)
Let's not forget Jane Leamy, the US Trustee's attorney, who managed to find $41,000 in fees from the April to December billings of Weil's that she wants returned...personally, I think that's an insult, although I'm glad there's something coming back. She also managed to get $18,000 returned and is working on a bit more...
In all honesty, I left today discouraged to see our legal system in action. I understand about the process and how JMW can only rule on what's in front of her...but I've sat in enough hearings with other judges now to know that often...they help shape the case by their comments...and I left wishing that our judge was willing to do that a bit more.
A brief hearing next week on 12/29 for American Savings, an omnibus hearing on the 5th...and then the DS hearing on the 11th. A busy few weeks for the Wamu "family".
Happy Holidays to all...as always, these are only my thoughts and opinions.
Ilene
Vaclav Havel & Washington Mutual: Is this Absurdistan?
By Dr. Rushworth M. Kidder | Dec 22, 2011
Share With Vaclav Havel’s death on Sunday, the world lost a towering moral voice. With the slap-on-the-wrist settlement of a federal case against former Washington Mutual bank executives last week, the nation discovered a flawed legal system. Mr. Havel calls forth a respect bordering on adulation. The Washington Mutual case breeds a disappointment bordering on cynicism. Together, these events highlight our misplaced desire to seek legal remedies for ethical failures.
Havel, the playwright turned politician, came to his position as the first post-Communist president of Czechoslovakia through moral rather than legal pathways. That’s not to say he operated illegally. He had the utmost respect for the law, carefully escorting his nation into the European Union and building a market economy that honored contractual obligations. Given his dissident roots, however, he knew the senseless legalisms of the Communists, characterizing their regimes as “Absurdistan.” For him, the world’s great dichotomy lay not along a horizontal, legal track running from the illegal to the legal. It lay along a perpendicular, moral scale that soared upward toward the highest right and plunged downward into the darkest wrong.
Havel knew both good and evil and he described them fearlessly, authoritatively, and repeatedly. In 1990, in his first speech as president, he chastised the Communists for spending more than 40 years creating a “spoiled moral environment.” The result, he observed, was a nation that had “become morally ill because we are saying one thing and thinking another.” Evil, he noted later in his life, “must be confronted in its womb.”
Yet he managed to retain his faith in humanity. “If humanity is to survive and avoid new catastrophes,” he wrote, “then the global political order has to be accompanied by a sincere and mutual respect among the various spheres of civilization, culture, nations, or continents, and by honest efforts on their part to seek and find the values or basic moral imperatives they have in common, and to build them into the foundations of their coexistence in this globally connected world.”
Frankly, that’s not the language of lawyers and courts. You don’t get to talk that way when you’re prosecuting bank executives in a one-dimensional, legal-versus-illegal world. In the dense thickets of legislated language, the phrases that cheered the hearts of Havel’s readers — “sincere and mutual respect,” “honest efforts,” “the values of basic moral imperatives” — are of little help.
Instead, your goal is accommodation, not inspiration — a desire to reach agreement somewhere between the endpoints of your horizontal track. If that agreement allows the accused to walk away neither admitting nor denying wrongdoing, so be it. And if, as in the Washington Mutual case, the defendants were central players — personally reaping millions of dollars from risky mortgages, yet going free with no admission of guilt after paying a tiny fraction of that amount in fines — the courts have no comment.
Until recently. In November, a federal judge in New York refused to approve a settlement by the U.S. Securities and Exchange Commission (SEC) that would have allowed Citigroup to pay $285 million without admitting or denying guilt. Judge Jed Rakoff said that the SEC’s policy was “hallowed by history, but not by reason” in asking the court to “assert its authority when it does not know the facts.”
While that’s good news, the judge’s concerns seem more technical than philosophic. We long for a court that can say, “Okay, so we couldn’t make the full range of legal charges stick. But we’re appalled at your unethical behavior — the absence of responsibility, the patent unfairness, the gross dishonesty.” But that’s not part of their language. All they can adjudicate are the legal details, as though that were what these cases are about.
The public knows better. We long to call out evil for what it is, as Havel did in describing Communism as “a monstrous, ramshackle, stinking machine.” We hunger for an articulation of moral obligations, as Havel provided in calling for those in power to understand “the moral order and its sources, human rights and the sources of people’s right to human rights, human responsibility and its origins.” And when something as bad as the financial crisis has happened, we thirst for a moral authority whose punishments fit the crime.
Instead, we find ourselves immersed in a compliance mentality that focuses on regulation rather than integrity. In the 1990s, a favorite question on surveys of MBAs asked something like, “If you could make $20 million, go to jail for two years, and pay a $200,000 fine, would you do it?” Depressingly large numbers answered yes. Then, apparently, they went to work for some of the very banks that collapsed. Should we marvel that so many of them see no real point to moral action?
Havel knew better. He knew that morality and legality operate in intersecting but different dimensions. He knew that the latter without the former leads straight to Absurdistan. If the Washington Mutual case (and a parallel case announced last week against former Fannie Mae and Freddie Mac executives) absorbs huge effort and creates grand spectacle for no meaningful result, it’s time to replace the gamesmanship of mere legalism with the quest for real integrity.
waldo.villagesoup.com/blog/blogpost/...this-absurdistan/475396
By Dr. Rushworth M. Kidder | Dec 22, 2011
Share With Vaclav Havel’s death on Sunday, the world lost a towering moral voice. With the slap-on-the-wrist settlement of a federal case against former Washington Mutual bank executives last week, the nation discovered a flawed legal system. Mr. Havel calls forth a respect bordering on adulation. The Washington Mutual case breeds a disappointment bordering on cynicism. Together, these events highlight our misplaced desire to seek legal remedies for ethical failures.
Havel, the playwright turned politician, came to his position as the first post-Communist president of Czechoslovakia through moral rather than legal pathways. That’s not to say he operated illegally. He had the utmost respect for the law, carefully escorting his nation into the European Union and building a market economy that honored contractual obligations. Given his dissident roots, however, he knew the senseless legalisms of the Communists, characterizing their regimes as “Absurdistan.” For him, the world’s great dichotomy lay not along a horizontal, legal track running from the illegal to the legal. It lay along a perpendicular, moral scale that soared upward toward the highest right and plunged downward into the darkest wrong.
Havel knew both good and evil and he described them fearlessly, authoritatively, and repeatedly. In 1990, in his first speech as president, he chastised the Communists for spending more than 40 years creating a “spoiled moral environment.” The result, he observed, was a nation that had “become morally ill because we are saying one thing and thinking another.” Evil, he noted later in his life, “must be confronted in its womb.”
Yet he managed to retain his faith in humanity. “If humanity is to survive and avoid new catastrophes,” he wrote, “then the global political order has to be accompanied by a sincere and mutual respect among the various spheres of civilization, culture, nations, or continents, and by honest efforts on their part to seek and find the values or basic moral imperatives they have in common, and to build them into the foundations of their coexistence in this globally connected world.”
Frankly, that’s not the language of lawyers and courts. You don’t get to talk that way when you’re prosecuting bank executives in a one-dimensional, legal-versus-illegal world. In the dense thickets of legislated language, the phrases that cheered the hearts of Havel’s readers — “sincere and mutual respect,” “honest efforts,” “the values of basic moral imperatives” — are of little help.
Instead, your goal is accommodation, not inspiration — a desire to reach agreement somewhere between the endpoints of your horizontal track. If that agreement allows the accused to walk away neither admitting nor denying wrongdoing, so be it. And if, as in the Washington Mutual case, the defendants were central players — personally reaping millions of dollars from risky mortgages, yet going free with no admission of guilt after paying a tiny fraction of that amount in fines — the courts have no comment.
Until recently. In November, a federal judge in New York refused to approve a settlement by the U.S. Securities and Exchange Commission (SEC) that would have allowed Citigroup to pay $285 million without admitting or denying guilt. Judge Jed Rakoff said that the SEC’s policy was “hallowed by history, but not by reason” in asking the court to “assert its authority when it does not know the facts.”
While that’s good news, the judge’s concerns seem more technical than philosophic. We long for a court that can say, “Okay, so we couldn’t make the full range of legal charges stick. But we’re appalled at your unethical behavior — the absence of responsibility, the patent unfairness, the gross dishonesty.” But that’s not part of their language. All they can adjudicate are the legal details, as though that were what these cases are about.
The public knows better. We long to call out evil for what it is, as Havel did in describing Communism as “a monstrous, ramshackle, stinking machine.” We hunger for an articulation of moral obligations, as Havel provided in calling for those in power to understand “the moral order and its sources, human rights and the sources of people’s right to human rights, human responsibility and its origins.” And when something as bad as the financial crisis has happened, we thirst for a moral authority whose punishments fit the crime.
Instead, we find ourselves immersed in a compliance mentality that focuses on regulation rather than integrity. In the 1990s, a favorite question on surveys of MBAs asked something like, “If you could make $20 million, go to jail for two years, and pay a $200,000 fine, would you do it?” Depressingly large numbers answered yes. Then, apparently, they went to work for some of the very banks that collapsed. Should we marvel that so many of them see no real point to moral action?
Havel knew better. He knew that morality and legality operate in intersecting but different dimensions. He knew that the latter without the former leads straight to Absurdistan. If the Washington Mutual case (and a parallel case announced last week against former Fannie Mae and Freddie Mac executives) absorbs huge effort and creates grand spectacle for no meaningful result, it’s time to replace the gamesmanship of mere legalism with the quest for real integrity.
waldo.villagesoup.com/blog/blogpost/...this-absurdistan/475396
(Reuters) - Four years after the banking system nearly collapsed from reckless mortgage lending, federal prosecutors have stayed on the sidelines, even as judges around the country are pointing fingers at possible wrongdoing.
The federal government, as has been widely noted, has pressed few criminal cases against major lenders or senior executives for the events that led to the meltdown of 2007. Finding hard evidence has proved difficult, the Justice Department has said.
The government also hasn't brought any prosecutions for dubious foreclosure practices deployed since 2007 by big banks and other mortgage-servicing companies.
But this part of the financial system, a Reuters examination shows, is filled with potential leads.
Foreclosure-related case files in just one New York federal bankruptcy court, for example, hold at least a dozen mortgage documents known as promissory notes bearing evidence of recently forged signatures and illegal alterations, according to a judge's rulings and records reviewed by Reuters. Similarly altered notes have appeared in courts around the country.
Banks in the past two years have foreclosed on the houses of thousands of active-duty U.S. soldiers who are legally eligible to have foreclosures halted. Refusing to grant foreclosure stays is a misdemeanor under federal law.
The U.S. Treasury confirmed in November that it is conducting a civil investigation of 4,500 such foreclosures. Attorneys representing service members estimate banks have foreclosed on up to 30,000 military personnel in potential violation of the law.
In Alabama, a federal bankruptcy judge ruled last month that Wells Fargo & Co. had filed at least 630 sworn affidavits containing false "facts," including claims that homeowners were in arrears for amounts not yet due.
Wells Fargo "took the law into its own hands" and disregarded laws banning perjury, Judge Margaret A. Mahoney declared.
And in thousands of cases, documents required to transfer ownership of mortgages have been falsified. Lacking originals needed to foreclose, mortgage servicers drew up new ones, falsely signed by their own staff as employees of the original lenders - many of which no longer exist.
But the mortgage-foreclosure mess has yet to yield any federal prosecution against the big banks that are the major servicers of home loans.
UNPRECEDENTED FRAUD
Reuters has identified one pending federal criminal investigation into suspected improper foreclosure procedures. That inquiry has been under way since 2009.
The investigation focuses on a defunct subsidiary of Jacksonville, Florida-based Lender Processing Services, the nation's largest subcontractor of mortgage servicing duties for banks.
People close to the investigation said indictments may come as early as the end of this month. Nationwide press reports had showed photos of what appeared to be obviously forged signatures on foreclosure affidavits.
The Justice Department doesn't disclose pending investigations, making it impossible to say if other criminal inquiries are underway. Officials in state attorneys' general offices and lawyers in foreclosure cases say they have seen no signs of any other federal criminal investigation.
"I think it's difficult to find a fraud of this size on the U.S. court system in U.S. history," said Raymond Brescia, a visiting professor at Yale Law School who has written articles analyzing the role of courts in the financial crisis. "I can't think of one where you have literally tens of thousands of fraudulent documents filed in tens of thousands of cases."
Spokesmen for the five largest servicers - Bank of America Corp., Wells Fargo & Co., JP Morgan Chase & Co, Citigroup Inc., and Ally Financial Group - declined to comment about the possibility of widespread fraud for this article.
Paul Leonard, spokesman for the Housing Policy Council, whose membership includes those banks, said any faults in foreclosure cases are being addressed under a civil settlement earlier this year with federal regulators.
FALSE STATEMENTS
Justice Department and Federal Bureau of Investigation officials say they have brought mortgage-fraud criminal cases through their "Operation Stolen Dreams." None, however, were against big banks. All targeted small-scale operators who allegedly defrauded banks with forged mortgage applications or took advantage of homeowners by falsely promising arrangements to get them out of default and then pocketing their money.
Justice Department spokeswoman Adora Andy declined to comment on the absence of prosecutions for foreclosure practices by big banks. She said in a statement: "The Department of Justice has been and will continue to aggressively investigate financial fraud wherever it occurs, including at all levels of the mortgage industry and, when we find evidence of a crime, we will not hesitate to pursue it."
Some judges have accused banks of falsely stating in court that they are working on loan modifications for homeowners in default.
In a November 30 court hearing, not previously reported, a federal bankruptcy judge in New York accused Bank of America of falsely telling courts and the public that it was working to renegotiate loans.
"Bank of America issues constant press releases about how it is responsive to their borrowers on these issues. They are not, period," said Judge Robert Drain, in a case involving homeowner Richard Tomasulo, a pharmacist from Crompond, New York. Drain said Bank of America had been telling the court since January that it was working to modify Tomasulo's mortgage, but hadn't done so.
"Whoever is in charge of this program and their supervisor, who should be following it, should be fired" because "they are frankly incompetent."
Bank of America spokeswoman Jumana Bauwens said the bank has completed "nearly one million" modifications since 2008. The U.S. Treasury this year suspended loan modification incentive payments to the bank because it was "seriously deficient" in responding to requests for modifications.
CHEATERS AND LIARS
Foreclosure fraud came to light in September 2010, with evidence that employees of Ally Financial Corp. had committed "robo-signing," in which low-level workers signed and swore to the facts in thousands of affidavits they hadn't read or checked.
The affidavits were notarized outside the signers' presence, in apparent violation of state and federal criminal laws.
Since then, mounting evidence of possible foreclosure fraud has convinced judges and state regulators that servicers have harmed homeowners and the investors who bought mortgage-backed securities.
A unit of the Justice Department that oversees bankruptcy court cases, the U.S. Trustees Program, said in its 2010 annual report that there were "pervasive and longstanding problems regarding mortgage loan servicing," which "are not merely 'technical' but cause real harm to homeowners in bankruptcy."
Banks, the Trustees Program says, have falsified affidavits by claiming homeowners owe fees for services never rendered and by overstating how much owners are behind on payments.
Former federal prosecutor Daniel Richman, a professor of criminal law at Columbia University Law School, says a central question is who prosecutors would target in criminal investigations. Richman said it would be easy but not worthwhile to charge large numbers of rank-and-file workers who, directed by supervisors, falsely churned out affidavits.
He said criminal investigations would be warranted, but harder to bring, "if there are particular individuals who lie at the heart of this conduct in a very significant way."
In October 2010, members of Congress pressed the Justice Department to investigate. Attorney General Eric Holder said investigations were best left to the states, with help from the Justice Department.
The Office of the Comptroller of the Currency, the top bank regulator, quickly negotiated settlements with the 14 largest servicers, requiring changes in practices and "remediation" for harmed homeowners. That settlement allows the banks to choose their own contractors to determine who was harmed and by how much.
Lawmakers and homeowner advocates have criticized the arrangement, contending that it will let the banks avoid making all wronged homeowners whole, because the contractors are paid by and answer to the banks.
Since then, the department's civil division has worked with a shaky coalition of all 50 states, which have been seeking a civil settlement with five banks that are the largest loan servicers. The negotiations center on requiring them to pay $20 billion or more in penalties, only some of which would go to compensate wronged homeowners.
STATES TAKE ACTION
Federal law enforcement has been noticeably absent, even in areas hardest hit by the crisis, such as Las Vegas.
In 2010 the FBI's Las Vegas office shut down its mortgage fraud task force, which had focused on small-scale swindlers.
Tim Gallagher, chief of the FBI's financial crimes section, said that the Las Vegas office had asked to transfer agents to other duties.
Impatient with the lack of federal prosecution, states including New York, Massachusetts, Delaware and California have launched their own investigations of the banks.
In November, it became the first state to file criminal charges. The state attorney general obtained a 606-count indictment against two California-based executives of Lender Processing Services.
It accuses the executives of paying Nevada notaries to forge the pair's signatures and falsely notarize them on notices of default, documents Nevada requires in foreclosure actions. State officials said more indictments are expected.
In an interview, John Kelleher, Nevada's chief deputy attorney general, said the investigation began in response to citizen complaints.
"We were concerned and then shocked at the sheer number of fraudulent documents we were finding that had been filed with the county recorder," Kelleher said.
Investigators found "tens of thousands" of false records filed on behalf of big mortgage servicers, he said.
The two executives have pleaded not guilty. In a press release, the company said: "LPS acknowledges the signing procedures on some of these documents were flawed; however, the company also believes these documents were properly authorized and their recording did not result in a wrongful foreclosure."
BACK HOME IN NEW YORK
The U.S. Attorney's Office in Manhattan is the federal prosecutors' office that traditionally has filed the most cases against top banks and financiers. But it hasn't brought any foreclosure-related criminal cases involving Wall Street's biggest financial houses or the law firms that represent them.
To date the only step it has taken publicly was an October 2011 civil settlement with New York State's largest foreclosure law firm.
The Steven J. Baum P.C. law firm, based near Buffalo, New York, in recent years filed approximately 40 per cent of all foreclosures in New York State, on behalf of banks and other mortgage servicers. Court records show that the firm angered state court judges for alleged false statements and filing suspect documents.
Arthur Schack, a state court judge in Brooklyn, in a 2010 ruling said that pleadings by the Baum firm on behalf of HSBC Bank, a unit of London-based HSBC Holdings, in a foreclosure case were "so incredible, outrageous, ludicrous and disingenuous that they should have been authorized by the late Rod Serling, creator of the famous science-fiction television series, The Twilight Zone."
Another state judge that year imposed $5,000 in sanctions and ordered the firm to pay $14,500 in attorneys' fees, ruling that "misrepresentation of the material statements here was outrageous."
But the U.S. Attorney's office in Manhattan filed no criminal charges against the Baum firm. Instead, it signed a settlement with Baum ending an inquiry "relating to foreclosure practices." The agreement made no allegations of wrongdoing, but required the firm to improve its foreclosure practices.
Baum agreed to pay a $2 million civil penalty, but didn't admit wrongdoing.
The law firm said it would shut down after New York Times columnist Joe Nocera in November published photographs of a 2010 Baum firm Halloween party in which employees dressed up as homeless people. Another showed part of Baum's office decorated to look like a row of foreclosed houses.
"The settlement between the Manhattan U.S. Attorney's Office and the Steven J. Baum Law Firm resulted in immediate and comprehensive reforms of the firm's business practices," said Ellen Davis, spokeswoman for the Manhattan U.S. Attorney's office.
Earl Wells III, a spokesman for Baum, said the lawyer wouldn't comment because "he's laying low right now."
An HSBC spokesman said: "We are working closely with the regulators to address any matters raised regarding" the bank's foreclosure practices.
BROKEN PROMISES
The most serious potential foreclosure violations involve falsified mortgage promissory notes, the documents homeowners sign vowing to repay mortgage loans. Courts uniformly have ruled that unless a creditor legally owns the promissory note, it has no legal right to foreclose. For each mortgage there is only one promissory note.
Bankruptcy court records reviewed by Reuters show that at least a dozen radically different documents purporting to be the authentic promissory note have turned up in foreclosure cases involving six different properties in the federal bankruptcy court for the Southern District of New York.
In one, Wells Fargo is battling to foreclose on the Bronx home of Tindala Mims, a single mother who works as an ambulance driver. In September 2010, Wells Fargo filed a promissory note bearing a signed stamp showing that the note belonged to defunct Washington Mutual Bank, not Wells Fargo. The judge threw out the case.
In a second attempt, the court was given a different version of the note. But inspection showed physical alterations. A variety of marks on the original were missing or seemed obviously altered on the second. And the second version had a stamped endorsement, missing on the first, that appeared to give Wells Fargo the right to foreclose.
The judge threw out the second attempt too. Wells Fargo is trying a third time. It declined to comment on the case.
Linda Tirelli, Mims' lawyer, in October sued Wells Fargo, alleging "fabrication of documents."
"It seems to me that Washington is deathly afraid of the banking industry," Tirelli said. "If you're talking about filing false documents and filing false notarizations, do you really think that the U.S. Attorney would find it too difficult to prosecute?"
The office of U.S. Attorney Preet Bharara in Manhattan has routinely brought charges involving forgery and filing false documents against smaller targets.
In April, the FBI arrested seven employees of the USA Beauty School in Manhattan. Bharara's office alleged that the seven suspects had forged documents such as high school diplomas, attendance records and applications for financial aid for students taking cosmetology classes.
In August, Bharara's office filed felony charges against a sports-memorabilia company's CEO, accusing him of auctioning jerseys falsely advertised as "game used" by Major League Baseball players.
In a press conference, a U.S. Postal Inspection Service official said prosecution was important because "victims felt that they had a piece of history only to be defrauded and left with a feeling of heartbreak."
Given the record of Bharara's office, and those of his fellow U.S. Attorneys around the country, to aggressively pursue violations both big and small, the absence of cases involving the foreclosure fiasco seems to stand out.
"Why there hasn't been more robust prosecution is a mystery," said Brescia, the visiting professor at Yale.
(Editing by Michael Williams and Chris Kaufman; Reporting By Scot Paltrow)www.reuters.com/article/2011/12/22/...es-idUSTRE7BL0MC20111222
Grüße M. Chef
The federal government, as has been widely noted, has pressed few criminal cases against major lenders or senior executives for the events that led to the meltdown of 2007. Finding hard evidence has proved difficult, the Justice Department has said.
The government also hasn't brought any prosecutions for dubious foreclosure practices deployed since 2007 by big banks and other mortgage-servicing companies.
But this part of the financial system, a Reuters examination shows, is filled with potential leads.
Foreclosure-related case files in just one New York federal bankruptcy court, for example, hold at least a dozen mortgage documents known as promissory notes bearing evidence of recently forged signatures and illegal alterations, according to a judge's rulings and records reviewed by Reuters. Similarly altered notes have appeared in courts around the country.
Banks in the past two years have foreclosed on the houses of thousands of active-duty U.S. soldiers who are legally eligible to have foreclosures halted. Refusing to grant foreclosure stays is a misdemeanor under federal law.
The U.S. Treasury confirmed in November that it is conducting a civil investigation of 4,500 such foreclosures. Attorneys representing service members estimate banks have foreclosed on up to 30,000 military personnel in potential violation of the law.
In Alabama, a federal bankruptcy judge ruled last month that Wells Fargo & Co. had filed at least 630 sworn affidavits containing false "facts," including claims that homeowners were in arrears for amounts not yet due.
Wells Fargo "took the law into its own hands" and disregarded laws banning perjury, Judge Margaret A. Mahoney declared.
And in thousands of cases, documents required to transfer ownership of mortgages have been falsified. Lacking originals needed to foreclose, mortgage servicers drew up new ones, falsely signed by their own staff as employees of the original lenders - many of which no longer exist.
But the mortgage-foreclosure mess has yet to yield any federal prosecution against the big banks that are the major servicers of home loans.
UNPRECEDENTED FRAUD
Reuters has identified one pending federal criminal investigation into suspected improper foreclosure procedures. That inquiry has been under way since 2009.
The investigation focuses on a defunct subsidiary of Jacksonville, Florida-based Lender Processing Services, the nation's largest subcontractor of mortgage servicing duties for banks.
People close to the investigation said indictments may come as early as the end of this month. Nationwide press reports had showed photos of what appeared to be obviously forged signatures on foreclosure affidavits.
The Justice Department doesn't disclose pending investigations, making it impossible to say if other criminal inquiries are underway. Officials in state attorneys' general offices and lawyers in foreclosure cases say they have seen no signs of any other federal criminal investigation.
"I think it's difficult to find a fraud of this size on the U.S. court system in U.S. history," said Raymond Brescia, a visiting professor at Yale Law School who has written articles analyzing the role of courts in the financial crisis. "I can't think of one where you have literally tens of thousands of fraudulent documents filed in tens of thousands of cases."
Spokesmen for the five largest servicers - Bank of America Corp., Wells Fargo & Co., JP Morgan Chase & Co, Citigroup Inc., and Ally Financial Group - declined to comment about the possibility of widespread fraud for this article.
Paul Leonard, spokesman for the Housing Policy Council, whose membership includes those banks, said any faults in foreclosure cases are being addressed under a civil settlement earlier this year with federal regulators.
FALSE STATEMENTS
Justice Department and Federal Bureau of Investigation officials say they have brought mortgage-fraud criminal cases through their "Operation Stolen Dreams." None, however, were against big banks. All targeted small-scale operators who allegedly defrauded banks with forged mortgage applications or took advantage of homeowners by falsely promising arrangements to get them out of default and then pocketing their money.
Justice Department spokeswoman Adora Andy declined to comment on the absence of prosecutions for foreclosure practices by big banks. She said in a statement: "The Department of Justice has been and will continue to aggressively investigate financial fraud wherever it occurs, including at all levels of the mortgage industry and, when we find evidence of a crime, we will not hesitate to pursue it."
Some judges have accused banks of falsely stating in court that they are working on loan modifications for homeowners in default.
In a November 30 court hearing, not previously reported, a federal bankruptcy judge in New York accused Bank of America of falsely telling courts and the public that it was working to renegotiate loans.
"Bank of America issues constant press releases about how it is responsive to their borrowers on these issues. They are not, period," said Judge Robert Drain, in a case involving homeowner Richard Tomasulo, a pharmacist from Crompond, New York. Drain said Bank of America had been telling the court since January that it was working to modify Tomasulo's mortgage, but hadn't done so.
"Whoever is in charge of this program and their supervisor, who should be following it, should be fired" because "they are frankly incompetent."
Bank of America spokeswoman Jumana Bauwens said the bank has completed "nearly one million" modifications since 2008. The U.S. Treasury this year suspended loan modification incentive payments to the bank because it was "seriously deficient" in responding to requests for modifications.
CHEATERS AND LIARS
Foreclosure fraud came to light in September 2010, with evidence that employees of Ally Financial Corp. had committed "robo-signing," in which low-level workers signed and swore to the facts in thousands of affidavits they hadn't read or checked.
The affidavits were notarized outside the signers' presence, in apparent violation of state and federal criminal laws.
Since then, mounting evidence of possible foreclosure fraud has convinced judges and state regulators that servicers have harmed homeowners and the investors who bought mortgage-backed securities.
A unit of the Justice Department that oversees bankruptcy court cases, the U.S. Trustees Program, said in its 2010 annual report that there were "pervasive and longstanding problems regarding mortgage loan servicing," which "are not merely 'technical' but cause real harm to homeowners in bankruptcy."
Banks, the Trustees Program says, have falsified affidavits by claiming homeowners owe fees for services never rendered and by overstating how much owners are behind on payments.
Former federal prosecutor Daniel Richman, a professor of criminal law at Columbia University Law School, says a central question is who prosecutors would target in criminal investigations. Richman said it would be easy but not worthwhile to charge large numbers of rank-and-file workers who, directed by supervisors, falsely churned out affidavits.
He said criminal investigations would be warranted, but harder to bring, "if there are particular individuals who lie at the heart of this conduct in a very significant way."
In October 2010, members of Congress pressed the Justice Department to investigate. Attorney General Eric Holder said investigations were best left to the states, with help from the Justice Department.
The Office of the Comptroller of the Currency, the top bank regulator, quickly negotiated settlements with the 14 largest servicers, requiring changes in practices and "remediation" for harmed homeowners. That settlement allows the banks to choose their own contractors to determine who was harmed and by how much.
Lawmakers and homeowner advocates have criticized the arrangement, contending that it will let the banks avoid making all wronged homeowners whole, because the contractors are paid by and answer to the banks.
Since then, the department's civil division has worked with a shaky coalition of all 50 states, which have been seeking a civil settlement with five banks that are the largest loan servicers. The negotiations center on requiring them to pay $20 billion or more in penalties, only some of which would go to compensate wronged homeowners.
STATES TAKE ACTION
Federal law enforcement has been noticeably absent, even in areas hardest hit by the crisis, such as Las Vegas.
In 2010 the FBI's Las Vegas office shut down its mortgage fraud task force, which had focused on small-scale swindlers.
Tim Gallagher, chief of the FBI's financial crimes section, said that the Las Vegas office had asked to transfer agents to other duties.
Impatient with the lack of federal prosecution, states including New York, Massachusetts, Delaware and California have launched their own investigations of the banks.
In November, it became the first state to file criminal charges. The state attorney general obtained a 606-count indictment against two California-based executives of Lender Processing Services.
It accuses the executives of paying Nevada notaries to forge the pair's signatures and falsely notarize them on notices of default, documents Nevada requires in foreclosure actions. State officials said more indictments are expected.
In an interview, John Kelleher, Nevada's chief deputy attorney general, said the investigation began in response to citizen complaints.
"We were concerned and then shocked at the sheer number of fraudulent documents we were finding that had been filed with the county recorder," Kelleher said.
Investigators found "tens of thousands" of false records filed on behalf of big mortgage servicers, he said.
The two executives have pleaded not guilty. In a press release, the company said: "LPS acknowledges the signing procedures on some of these documents were flawed; however, the company also believes these documents were properly authorized and their recording did not result in a wrongful foreclosure."
BACK HOME IN NEW YORK
The U.S. Attorney's Office in Manhattan is the federal prosecutors' office that traditionally has filed the most cases against top banks and financiers. But it hasn't brought any foreclosure-related criminal cases involving Wall Street's biggest financial houses or the law firms that represent them.
To date the only step it has taken publicly was an October 2011 civil settlement with New York State's largest foreclosure law firm.
The Steven J. Baum P.C. law firm, based near Buffalo, New York, in recent years filed approximately 40 per cent of all foreclosures in New York State, on behalf of banks and other mortgage servicers. Court records show that the firm angered state court judges for alleged false statements and filing suspect documents.
Arthur Schack, a state court judge in Brooklyn, in a 2010 ruling said that pleadings by the Baum firm on behalf of HSBC Bank, a unit of London-based HSBC Holdings, in a foreclosure case were "so incredible, outrageous, ludicrous and disingenuous that they should have been authorized by the late Rod Serling, creator of the famous science-fiction television series, The Twilight Zone."
Another state judge that year imposed $5,000 in sanctions and ordered the firm to pay $14,500 in attorneys' fees, ruling that "misrepresentation of the material statements here was outrageous."
But the U.S. Attorney's office in Manhattan filed no criminal charges against the Baum firm. Instead, it signed a settlement with Baum ending an inquiry "relating to foreclosure practices." The agreement made no allegations of wrongdoing, but required the firm to improve its foreclosure practices.
Baum agreed to pay a $2 million civil penalty, but didn't admit wrongdoing.
The law firm said it would shut down after New York Times columnist Joe Nocera in November published photographs of a 2010 Baum firm Halloween party in which employees dressed up as homeless people. Another showed part of Baum's office decorated to look like a row of foreclosed houses.
"The settlement between the Manhattan U.S. Attorney's Office and the Steven J. Baum Law Firm resulted in immediate and comprehensive reforms of the firm's business practices," said Ellen Davis, spokeswoman for the Manhattan U.S. Attorney's office.
Earl Wells III, a spokesman for Baum, said the lawyer wouldn't comment because "he's laying low right now."
An HSBC spokesman said: "We are working closely with the regulators to address any matters raised regarding" the bank's foreclosure practices.
BROKEN PROMISES
The most serious potential foreclosure violations involve falsified mortgage promissory notes, the documents homeowners sign vowing to repay mortgage loans. Courts uniformly have ruled that unless a creditor legally owns the promissory note, it has no legal right to foreclose. For each mortgage there is only one promissory note.
Bankruptcy court records reviewed by Reuters show that at least a dozen radically different documents purporting to be the authentic promissory note have turned up in foreclosure cases involving six different properties in the federal bankruptcy court for the Southern District of New York.
In one, Wells Fargo is battling to foreclose on the Bronx home of Tindala Mims, a single mother who works as an ambulance driver. In September 2010, Wells Fargo filed a promissory note bearing a signed stamp showing that the note belonged to defunct Washington Mutual Bank, not Wells Fargo. The judge threw out the case.
In a second attempt, the court was given a different version of the note. But inspection showed physical alterations. A variety of marks on the original were missing or seemed obviously altered on the second. And the second version had a stamped endorsement, missing on the first, that appeared to give Wells Fargo the right to foreclose.
The judge threw out the second attempt too. Wells Fargo is trying a third time. It declined to comment on the case.
Linda Tirelli, Mims' lawyer, in October sued Wells Fargo, alleging "fabrication of documents."
"It seems to me that Washington is deathly afraid of the banking industry," Tirelli said. "If you're talking about filing false documents and filing false notarizations, do you really think that the U.S. Attorney would find it too difficult to prosecute?"
The office of U.S. Attorney Preet Bharara in Manhattan has routinely brought charges involving forgery and filing false documents against smaller targets.
In April, the FBI arrested seven employees of the USA Beauty School in Manhattan. Bharara's office alleged that the seven suspects had forged documents such as high school diplomas, attendance records and applications for financial aid for students taking cosmetology classes.
In August, Bharara's office filed felony charges against a sports-memorabilia company's CEO, accusing him of auctioning jerseys falsely advertised as "game used" by Major League Baseball players.
In a press conference, a U.S. Postal Inspection Service official said prosecution was important because "victims felt that they had a piece of history only to be defrauded and left with a feeling of heartbreak."
Given the record of Bharara's office, and those of his fellow U.S. Attorneys around the country, to aggressively pursue violations both big and small, the absence of cases involving the foreclosure fiasco seems to stand out.
"Why there hasn't been more robust prosecution is a mystery," said Brescia, the visiting professor at Yale.
(Editing by Michael Williams and Chris Kaufman; Reporting By Scot Paltrow)www.reuters.com/article/2011/12/22/...es-idUSTRE7BL0MC20111222
Grüße M. Chef
Der Link und eine evtl. kurze Einleitung hätten es auch getan ;)
Frohe Weihnachten !!!
Tja, alle die auf ein Weihnachtswunder gehofft hatten, wurden in diesem multimillarden Dollar Spektakel eines Besseren belehrt. Ein Weihnachtswunder ist zu wenig, um diesen Gordischen Knoten zu durchschlagen. Statt mit klammen Händen auf Wunder zu hoffen heißt es wohl eher weiterhin Steine zu klopfen und am Ball zu bleiben. Ich fürchte, dass die reine Aussage der Commons "ich will" das Großkapital kaum dazu verleiten wird Geschenke zu verteilen. Und wie wir sehen ist der Weg über die juristischen Instanzen lang, undurchschaubar und ungewiss. Mir persönlich hat der Gedanke noch am besten gefallen, dass wir (EC) der Gegenpartei etwas anbieten können. Zum Beispiel einen Käufer für eine WMIneu. (Wal-mart?)
Vielleicht konnte man sich bislang noch nicht einigen, weil in dieser Richtung zwar Vorgespräche laufen, aber noch keine Ergebnisse vermeldet werden können. Und solange da nichts klar ist, will sich die Gegenseite natürlich auch auf nichts committen.
Die Hoffnung, dass wir in diesem Fall weiterkommen, weil Susman mit Strafprozess und "Smoking Guns" droht, halte ich für ein sehr schmales Brett. Da sollten eher nicht versuchen drüber zu laufen.
Mein Fazit: Die einen haben die Kohle und die Assets, sind aber zu einem Deal bereit, wenn die Konditionen stimmen. Die Frage wäre dann: Was können wir anbieten/tun, damit aus dem Geplänkel (never ending story) ein Deal wird?
Für mich wäre das jedenfalls ein Ansatz, warum Susman auf diesen unsäglichen Hearings nie erscheint. Vielleicht konzentriert er sich eher auf Gespräche die Ergebnisse bringen könnten.
Wie auch immer. Ich wünsche allen hier harmonische und schöne Weihnachtstage und werde mir mal ein paar WaMu-freie Tage gönnen.
Gruss Molly
Vielleicht konnte man sich bislang noch nicht einigen, weil in dieser Richtung zwar Vorgespräche laufen, aber noch keine Ergebnisse vermeldet werden können. Und solange da nichts klar ist, will sich die Gegenseite natürlich auch auf nichts committen.
Die Hoffnung, dass wir in diesem Fall weiterkommen, weil Susman mit Strafprozess und "Smoking Guns" droht, halte ich für ein sehr schmales Brett. Da sollten eher nicht versuchen drüber zu laufen.
Mein Fazit: Die einen haben die Kohle und die Assets, sind aber zu einem Deal bereit, wenn die Konditionen stimmen. Die Frage wäre dann: Was können wir anbieten/tun, damit aus dem Geplänkel (never ending story) ein Deal wird?
Für mich wäre das jedenfalls ein Ansatz, warum Susman auf diesen unsäglichen Hearings nie erscheint. Vielleicht konzentriert er sich eher auf Gespräche die Ergebnisse bringen könnten.
Wie auch immer. Ich wünsche allen hier harmonische und schöne Weihnachtstage und werde mir mal ein paar WaMu-freie Tage gönnen.
Gruss Molly
Die neue Justiz in den USA. Schon in manch alten Western der USA ist zu sehen wie es läuft. Eine Gruppe von Menschen lenkt mit Geld alles dahin wohin sie es haben wollen. Am Ende braucht es nur noch einen Richter der ein wenig korrupt ist und das war es dann mit der Gerechtigkeit für die Menschen.
Diese Gruppe ist gewachsen und lenkt nun die USA. Viele haben da recht. Wir merken wie Geld alles in den USA möglich macht. Ich hätte nie gedacht, das ich eines Tages mal das arme Schwein aus dem Western bin, vor Gericht stehe, mein Anwalt mich verrät, die Richterin dies freut, Beweise ich nicht vorbringen darf und das ganze mich dann noch ein Vermögen kostet. Ich hielt die arme Sau immer für naiv. Meist verloren sie ihr Land, ihren Claim oder gar ihr Leben. So warte ich denn auf den Helden mit den glänzenden Colts der alles zum Guten regelt. Aber jetzt kommt erst mal der Weihnachtsmann und der kommt wirklich! Aber eines Tages werde ich auch in dieser Rolle durchschaut.
Sieht nach ruhigen Tagen für uns aus.
Stay long. John
Diese Gruppe ist gewachsen und lenkt nun die USA. Viele haben da recht. Wir merken wie Geld alles in den USA möglich macht. Ich hätte nie gedacht, das ich eines Tages mal das arme Schwein aus dem Western bin, vor Gericht stehe, mein Anwalt mich verrät, die Richterin dies freut, Beweise ich nicht vorbringen darf und das ganze mich dann noch ein Vermögen kostet. Ich hielt die arme Sau immer für naiv. Meist verloren sie ihr Land, ihren Claim oder gar ihr Leben. So warte ich denn auf den Helden mit den glänzenden Colts der alles zum Guten regelt. Aber jetzt kommt erst mal der Weihnachtsmann und der kommt wirklich! Aber eines Tages werde ich auch in dieser Rolle durchschaut.
Sieht nach ruhigen Tagen für uns aus.
Stay long. John
ich nutze hiermit, das momentan ruhige Forum, um euch eine stille, erholsame und frohe
Weihnachtszeit zu wünschen.
Ich vermute, es könnte schon bald wieder hektisch werden und dann wäre es gut, ausgeruht und mit klarem Kopf, wieder an den für uns so sehr undurchsichtgen Wamufall heranzutreten.
Noch ein Wort zu Susi und seiner nach außen hin sehr zurückhaltenden Vorgehensweise, also mich stimmt dieses Verhalten nach wie vor sehr positiv, denn die richtungsweisenden Entscheidungen, werden in einem nichtoffiziellen zugänglichen Rahmen getroffen und dafür setzt er und seine Männer die ihrige Kompetenz und Energie ein.
Er wird nach außen nicht bestimmend und vernichtend auftreten, wie es ja ziemlich klar aus seiner Biographie bekannt ist. Er zeigt sich dann, wenn fast alles unter Dach und Fach ist und soweit sind wir noch nicht.
In diesem Sinne auf ein für uns alle ein erfolgreiches gelingen.
Lg
Weihnachtszeit zu wünschen.
Ich vermute, es könnte schon bald wieder hektisch werden und dann wäre es gut, ausgeruht und mit klarem Kopf, wieder an den für uns so sehr undurchsichtgen Wamufall heranzutreten.
Noch ein Wort zu Susi und seiner nach außen hin sehr zurückhaltenden Vorgehensweise, also mich stimmt dieses Verhalten nach wie vor sehr positiv, denn die richtungsweisenden Entscheidungen, werden in einem nichtoffiziellen zugänglichen Rahmen getroffen und dafür setzt er und seine Männer die ihrige Kompetenz und Energie ein.
Er wird nach außen nicht bestimmend und vernichtend auftreten, wie es ja ziemlich klar aus seiner Biographie bekannt ist. Er zeigt sich dann, wenn fast alles unter Dach und Fach ist und soweit sind wir noch nicht.
In diesem Sinne auf ein für uns alle ein erfolgreiches gelingen.
Lg
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