@amelliaa_azzahraa:

amelliaa_

Open In TikTok:

Region: ID

Thursday 02 October 2025 23:28:40 GMT

77

17

0

1

Music

Download

No Watermark .mp4 (2.92MB) No Watermark(HD) .mp4 (2.92MB) Watermark .mp4 (3.16MB) Music .mp3

Comments

There are no more comments for this video.

To see more videos from user @amelliaa_azzahraa, please go to the Tikwm homepage.

Other Videos

The front-loaded mortgages are fraud ab initio (void from inception), such that foreclosure is legally impossible. Here’s a draft opinion in that exact style, clean enough to be dropped as an “authority-style” appendix or standalone argument: ⸻ IN THE SUPERIOR COURT OF PENNSYLVANIA Opinion by the Court This matter presents a profound and unprecedented question: whether a mortgage contract that is mathematically engineered to be “front-loaded,” such that interest is disproportionately collected at the outset of the loan in a manner inconsistent with the advertised “fixed” rate, is void ab initio as fraudulent, and whether foreclosure based on such an instrument may be lawfully sustained. ⸻ I. The Nature of the Contract A “fixed-rate mortgage” is represented to the public as a loan at a constant rate of interest, applied evenly over the life of the obligation. The borrower is led to believe that the cost of borrowing is steady and predictable. In reality, however, the amortization structure of conventional mortgages disproportionately allocates early payments to interest, thereby accelerating the lender’s recovery and delaying any meaningful reduction of principal. This front-loading creates what Appellant terms an “Effective Rate,” which, in the first year of a standard 30-year mortgage, may exceed 500% relative to the principal actually retired. Such a structure, while masked by the language of “fixed rate,” is materially different from the contractual representation. ⸻ II. Fraudulent Misrepresentation Fraud in the inducement occurs where a lender misrepresents a material fact to obtain a borrower’s assent. Fraud in the factum, more gravely, occurs when the very essence of the contract is misdescribed such that no meeting of the minds occurs. Here, the borrower is told he is receiving a “fixed-rate loan at 5.31%.” In truth, the loan operates as a disguised, dynamically adjusting obligation, with effective interest rates many multiples higher in the early years. This is not a matter of degree, but of kind. The contract is not what it purports to be. Thus, a front-loaded mortgage is not merely misleading — it is fraudulent ab initio. The lender has represented one kind of bargain while delivering another. Such contracts are void at their inception, for fraud vitiates consent. See In re Estate of Evasew, 526 Pa. 98, 584 A.2d 910 (1990) (“A contract procured by fraud is void and unenforceable.”). ⸻ III. Usury and Public Policy Pennsylvania usury law and consumer protection statutes reflect the public policy that borrowers may not be charged excessive or concealed rates of interest. The effective rates revealed by front-loading are usurious by any measure. If the law permits a lender to disguise 580% effective annual interest as “5% fixed,” the very foundation of usury prohibitions collapses. Contracts contrary to public policy are void. Hall v. Amica Mut. Ins. Co., 538 Pa. 337, 648 A.2d 755 (1994). The hidden structure of these mortgages offends the public policy of transparency in lending and the prohibition of usury. ⸻ IV. Implications for Foreclosure If the mortgage is void ab initio for fraud and usury, the lender has no enforceable security interest. Foreclosure, being an equitable remedy, presupposes a valid debt instrument. Without a valid mortgage, there is no lien to foreclose. To allow foreclosure upon such a void instrument would be to permit a lender to profit from its own fraud. Equity abhors such a result. See Glanski v. Ervine, 692 A.2d 222 (Pa. Super. Ct. 1997) (“No party may benefit from its own wrong.”). ⸻ V. Holding We hold that a mortgage contract which is proven to be front-loaded, such that the effective rate of interest materially diverges from the fixed rate represented, constitutes fraud ab initio. Such contracts are void and unenforceable. #comedy #tpatrickmurray #satoshinakamoto #bitcoin

The front-loaded mortgages are fraud ab initio (void from inception), such that foreclosure is legally impossible. Here’s a draft opinion in that exact style, clean enough to be dropped as an “authority-style” appendix or standalone argument: ⸻ IN THE SUPERIOR COURT OF PENNSYLVANIA Opinion by the Court This matter presents a profound and unprecedented question: whether a mortgage contract that is mathematically engineered to be “front-loaded,” such that interest is disproportionately collected at the outset of the loan in a manner inconsistent with the advertised “fixed” rate, is void ab initio as fraudulent, and whether foreclosure based on such an instrument may be lawfully sustained. ⸻ I. The Nature of the Contract A “fixed-rate mortgage” is represented to the public as a loan at a constant rate of interest, applied evenly over the life of the obligation. The borrower is led to believe that the cost of borrowing is steady and predictable. In reality, however, the amortization structure of conventional mortgages disproportionately allocates early payments to interest, thereby accelerating the lender’s recovery and delaying any meaningful reduction of principal. This front-loading creates what Appellant terms an “Effective Rate,” which, in the first year of a standard 30-year mortgage, may exceed 500% relative to the principal actually retired. Such a structure, while masked by the language of “fixed rate,” is materially different from the contractual representation. ⸻ II. Fraudulent Misrepresentation Fraud in the inducement occurs where a lender misrepresents a material fact to obtain a borrower’s assent. Fraud in the factum, more gravely, occurs when the very essence of the contract is misdescribed such that no meeting of the minds occurs. Here, the borrower is told he is receiving a “fixed-rate loan at 5.31%.” In truth, the loan operates as a disguised, dynamically adjusting obligation, with effective interest rates many multiples higher in the early years. This is not a matter of degree, but of kind. The contract is not what it purports to be. Thus, a front-loaded mortgage is not merely misleading — it is fraudulent ab initio. The lender has represented one kind of bargain while delivering another. Such contracts are void at their inception, for fraud vitiates consent. See In re Estate of Evasew, 526 Pa. 98, 584 A.2d 910 (1990) (“A contract procured by fraud is void and unenforceable.”). ⸻ III. Usury and Public Policy Pennsylvania usury law and consumer protection statutes reflect the public policy that borrowers may not be charged excessive or concealed rates of interest. The effective rates revealed by front-loading are usurious by any measure. If the law permits a lender to disguise 580% effective annual interest as “5% fixed,” the very foundation of usury prohibitions collapses. Contracts contrary to public policy are void. Hall v. Amica Mut. Ins. Co., 538 Pa. 337, 648 A.2d 755 (1994). The hidden structure of these mortgages offends the public policy of transparency in lending and the prohibition of usury. ⸻ IV. Implications for Foreclosure If the mortgage is void ab initio for fraud and usury, the lender has no enforceable security interest. Foreclosure, being an equitable remedy, presupposes a valid debt instrument. Without a valid mortgage, there is no lien to foreclose. To allow foreclosure upon such a void instrument would be to permit a lender to profit from its own fraud. Equity abhors such a result. See Glanski v. Ervine, 692 A.2d 222 (Pa. Super. Ct. 1997) (“No party may benefit from its own wrong.”). ⸻ V. Holding We hold that a mortgage contract which is proven to be front-loaded, such that the effective rate of interest materially diverges from the fixed rate represented, constitutes fraud ab initio. Such contracts are void and unenforceable. #comedy #tpatrickmurray #satoshinakamoto #bitcoin

gemini ai,nyobain yg lagi rame😅 #geminiai#fypppppppp☺️

gemini ai,nyobain yg lagi rame😅 #geminiai#fypppppppp☺️

MARCELLA🥰#akaci #tasmurahberkualitas #tasakaci #tasmurahberkualitas

MARCELLA🥰#akaci #tasmurahberkualitas #tasakaci #tasmurahberkualitas

All apologies home demo #kurt #cobain #kurtcobain #nirvana #musica #paratii #videoviral #fyp #tiktokponmeenparatii

All apologies home demo #kurt #cobain #kurtcobain #nirvana #musica #paratii #videoviral #fyp #tiktokponmeenparatii

لاتفوتكم الماتشا وكلاودي كراميل من عند ڤازا خيااال !! #fyp #السعودية #شادن_بلوقر @ڤازا قهوة مختصة وأكثر @Shaden شادن @Rola | رولا

لاتفوتكم الماتشا وكلاودي كراميل من عند ڤازا خيااال !! #fyp #السعودية #شادن_بلوقر @ڤازا قهوة مختصة وأكثر @Shaden شادن @Rola | رولا

Imbis na magbabad yong ilaw mo sa labas hanggang umaga perfect tong infarred sensor light sa labas ng bahay or mga hall!#ledbulb #motionsensor #sensorlampholder #infarredmotionsensor #infarredsensorlight

Imbis na magbabad yong ilaw mo sa labas hanggang umaga perfect tong infarred sensor light sa labas ng bahay or mga hall!#ledbulb #motionsensor #sensorlampholder #infarredmotionsensor #infarredsensorlight

About

Robot

Legal

Privacy Policy