MOTION TO INTERVENE RESULT: Granted 7/15/2024 HON THOMAS WELCH June 28, 2024 (2024)

 
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 DOCKET NO.: FBT-CV24-6130268-S SUPERIOR COURT WATER POLLUTION CONTROL AUTHORITY JUDICIAL DISTRICT OF BRIDGEPORT Vv. AT BRIDGEPORT SHAYANNE VALENTINE JUNE 25, 3024 oO mn ea 3 GO eS eye MOTION TO INTERVENE AND BE ADDED AS A PART $3 AS ar co an As PennyMac Loan Services, LLC (the “Proposed Intervenor”), herebyfiiigives fhis Copitt toallow it to intervene as an interested party in the above-captioned action as igh wig the ao oepermissive discretion of the Court. The Proposed Intervenor is the holder of a promissory noteencumbering the property underlying this action. A. FACTS This matter was commenced by way of writ, summons, and complaint dated November 6,2023, and bearing a Return Date on January 16, 2024. The complaint alleges the defendant,Shyanne Valentine (the “Defendant”), is the owner of the certain real property known as 684-686Kossuth Street, Bridgeport, Connecticut (the “Property”). The complaint further alleges that theDefendant has failed, refused, neglected, and declined to pay the bill due and owing to theplaintiff, Water Pollution Control Authority (the “Plaintiff”. The Plaintiff fails to include the Proposed Intervenor in this matter despite its interest inthe Property. On or about July 5, 2022, the Defendant executed and delivered a Note (the“Note”) for a loan in the original principal amount of $368,207.00 to Total Mortgage Services,LLC. On or about that same date, the Defendant did execute an Open-End Mortgage Deed (the“Mortgage”) conveying her interest in the Property to Total Mortgage Services, LLC. The {02 coOT Mortgage was recorded on July 12, 2022, in Book 10821 at Page 64 of the Bridgeport Land Records. The Note was transferred to the Proposed Intervenor effective October 1, 2022, who has remained the authorized loan servicing agent for, and in possession of, the same at all times since. A true and accurate copy of the Servicer Welcome Letter is attached hereto as Exhibit A. As such, the Plaintiff holds a secondary lien on the Property and must be included as a party in this matter. The Plaintiff exhibited knowledge of the Proposed Intervenor’s lien position, as it provided the Proposed Intervenor notice of the delinquent Water Pollution Control Authority bill by letter dated March 28, 2024 (the “Notice of Delinquency”). However, the Proposed Intervenor was not made party to this action. B. LAW AND ARGUMENT The Proposed Intervenor is the holder of a lien subsequent in right to that of the Plaintiff and is thus entitled to intervene as a matter of right. In order for a proposed intervenor to establish that it is entitled to intervene as a matter of right, the proposed intervenor must satisfy a well-established four element conjunctive test: [T]he motion to intervene must be timely, the movant must have a direct and substantial interest in the subject matter of the litigation, the movant's interest must be impaired by disposition of the litigation without the movant's involvement and the movant's interest must not be represented adequately by any party to the litigation... A proposed intervenor must allege sufficient facts, through its motion to intervene and the pleadings, to make the requisite showing of its right to intervene. . . . Failure to meet any one of the four elements, however, will preclude intervention as of right." (Citations omitted; internal quotation marks omitted.) BNY Western Trust v. Roman, 295 Conn. 194, 205-206, 990 A.2d 853 (2010). See, Litwin v. Ryan, 131 Conn. App. 558, 563-564 (Conn. App. Ct. 2011).This Motion to Intervene is timely, as this action began a in January 2024 and theDefendant, Shyanne Valentine, was defaulted for failure to plead on May 14, 2024. See DocketEntry Nos. 101.00 and 101.10. The Proposed Intervenor has a direct and substantial interest in the subject matter of thislitigation as it holds the Note and Mortgage on the Property. While the Proposed Intervenorrecognizes its lien is subsequent in right to that of the Plaintiff, this would not be grounds forexclusion. Further, the Proposed Intervenor is able raise defenses in this action as the holder of theNote and Mortgage. In this instance, the Proposed Intervenor wishes to protect its interest in theProperty. As such, the Proposed Intervenor meets all of the requirements to intervene. C. CONCLUSION WHEREFORE, for the foregoing reasons, the Proposed Intervenor, PennyMac LoanServices, LLC, seeks to intervene in this action as a matter of right. PENNYMAC LOAN SERVICES, LLC By: /s//444544// Julia Decea, Esq. McCalla Raymer Leibert Pierce, LLC 280 Trumbull Street, 23rd Floor Hartford, CT 06103 (860) 808-0606 Its Attorneys Juris No. 101589ORDERThe foregoing Motion having been presented to the Court, it is hereby ORDERED. GRANTED/DENIED BY THE COURT JUDGE/CLERKCERTIFICATION I hereby certify that a copy of the above was mailed or electronically delivered on June 25, 2024,to all counsel and self-represented parties of record and that written consent for electronic delivery wasreceived from all counsel and self-represented parties of record who were electronically served:Russel D. LiskovOffice of the City Attorney999 Broad Street,Bridgeport, CT 06604 /si1444544// Julia Decea Attorney for the PlaintiffEXHIBIT “A”y& PENNYMAC’ - WELCOME TO PENNYMAC P.O. BOX 514387 Your Home Loan Servicer LOS ANGELES, CA 90051-4387 PENNYMAC.COM ~ 800.777.4001 M-F: 5AM-6PM(PT) _ SAT: 7 AM-11 AM (PT) SHYANNE VALENTINE 684 KOSSUTH ST Se Habla Expat BRIDGEPORT, CT 06608 August 16, 2022 Property Address: 684 KOSSUTH ST BRIDGEPORT, CT 06608 Loan Number: Dear SHYANNE VALENTINE, Welcome to PennyMac! We are pleased to inform you that the servicing of your mortgage loan has transferred from TOTAL MORTGAGE SERVICES, LLC to PennyMac Loan Services, LLC ("PennyMac”), effective October 01, 2022. The transfer of servicing does not affect any other terms or conditions of the mortgage documents, other than terms directly related to the servicing of your loan. Start sending your payments to PennyMac The transfer of your mortgage loan is effective October 01, 2022. Payments due before that date should be made to TOTAL MORTGAGE SERVICES, LLC. Payments due on and after that date should be made to PennyMac. There are many convenient ways to make your payment as outlined on the following page. If you pay by check, you may use the coupon provided below. If you have any questions regarding this servicing transfer, please contact one of our Loan Specialists toll-free at (800) 777-4001 It is our pleasure to welcome you as a new customer! Sincerely, PennyMac Loan Services, LLC 20-WelcomeCLG1 250661701 , Please see the Important Legal Notices page for additional information. We are required by law to inform you that this communication is from a debt collector and any information obtained will be used for that purpose. However, if your mortgage Ioan is slublect to pending bankruptcyor you have received a discharge in bankruptcy, this letter is for informational purposes and is not an attempt to collect a debt against you personally.one Pa PENNYMAC Payment Due: $2,909.41 Payment Amount Payment Due Date: 10/01/2022 Additional Principal Loan Number: ‘Additional Escrow Other '$ Total Amount Enclose d* $ PENNYMAC LOAN SERVICES, LLC "Plate wit tne on our onthe won your PO BOX 660929 SHYANNE VALENTINE DALLAS, TX 75266-0929 Myf es fgg ft f oyedyeepopely ape 684 KOSSUTH ST BRIDGEPORT, CT 06608 0100820271033810029094190002909411LPayments with a coupon are processed the same day as receipt when received prior to 8:00 AM PT. Overnight payments a coupon are processed the same day as receipt when received prior to 10:30 AM PT. Payments not pracessed the same day are effective dated to the date of receipt.. Please make checks payable to PennyMac Loan Services, LLC. Postdated checks are processed the same date as receipt.. Please do not send cash. Payment instructions are limited to the information provided by PennyMac on the payment coupon only.. Please sign and write your account number on your check or money order. If you send us your payment with additional funds and don't specify how you want that money applied, we will first post payment(s) to bring your loan current, Any remaining money will then be applied based on a payment hierarchy towards outstanding escrow shortages and fees before any funds are posted asa principal reduction. Funds may be applied based on the perceived customer intent. For example, if the received amount is equal to the periodic payment due plus an exact match to outstanding late changes due on the loan, PennyMac may apply the excess funds to late charge due amounts rather than applying excess funds to an escrow shortage. If the money you sent wasn't enough for a payment, it will be applied to your loan as unapplied funds, We may accept a payment that is less than your periodic payment by an amount up to $10.00. We will use a corporate advance, which will be billed to your account, to make the full periodic payment. Depending on the requirements of your Joan documents, owner/insurer/guarantor of your loan or applicable law, and depending on the status of your account, partial payments that are outside the tolerances described above may be promptly returned to you, applied to your account, or held in a nor-interest bearing account until additional funds sufficient to equal a periodic payment are received.Wifey eel tc lamClelie(mi ce) pablus lial Ota x -Ya anal Ue Cem me) tact I ation lak ymYou may contact us or your prior servicer for any By Mail: Mail your payment to PennyMac at:questions you have on this servicing transfer:PennyMac Customer Service: Our Customer Service Standard Payment Address:Representatives are available 5:00 am to 6:00 pm P.O. Box 30597Monday through Friday, and 7:00 am to 11:00 am Los Angeles, CA 90030-0597Saturday (Pacific Time). Our toll-free number is(800) 777-4001. Or write to us at P.O. Box 514387, Overnight Address:Los Angeles CA 90051-4387 Attn: Lockbox Operations 20500 Belshaw Ave.TOTAL MORTGAGE SERVICES, LLC Carson, CA 90746(877) 868-2503Attn: Customer Service, 326W. MAIN ST. #105 Notice About Electronic Check ConversionMILFORD, CT 06460 When you provide a check as payment, you authorize PennyMac either to use information from your check toCorrespondence: Questions about your loan, address make a one-time electronic fund transfer from yourchanges, and other correspondence may be mailed to: account or to process the payment as a check PennyMac Loan Services, LLC transaction. When we use information from your check Attn: Correspondence Unit to make an electronic fund transfer, funds may be P.O. Box 950002 Fort Worth, TX 76155-9802 withdrawn from your account as soon as the same day PennyMac receives your payment. Please note thatNotices of error or information requests must be your financial institution will not send back your check. Ifmailed to this address. funds are returned unpaid, a return service charge of up to $30.00 may be assessed to your loan whether Escrow Account Disclosure eS 3 processing your payment as a check or electronic funds transfer transactionPennyMac requires a minimum balance up to one-sixth ofthe estimated total annual payments from your escrow By Phone: Use our automated phone service by callingaccount, unless state law or your mortgage contractrequires less, to help cover any unexpected increases in (800) 777-4001taxes and/or insurance. The minimum required balancedoes not include mortgage insurance. Online: Access this option by visiting www.PennyMac.com to Register/Log In to your account. Tax and Insurance Information Click on Make-A-Payment, followed by One-TimeIf an escrow or impound account was set up for your “loan Payment and follow the easy three step process tofor the payment of property taxes and hazard insurance, schedule your paymentthe balance in that account has been transferred to usfrom your prior servicer. Optional InsuranceYou must notify your insurance carrier that your loan has The transfer of servicing rights may affect the terms oftransferred to PennyMac and provide the following or the continued availability of any optional insuranceaddress for billing purposes: coverage or other membership products. Mortgagee Clause: If your monthly payment included the collection of PennyMac Loan Services, LLC optional insurance premiums or membership fees, these Its Successors and/or Assigns services will not continue. You should contact the P.O. Box 6618 provider of the optional insurance of membership Springfield, OH 45501-6618 product directly to determine your continuation privileges, if applicable. == Military S icemembers ie How to Sign up for an In dual Military Allotment Contact your Personnel Support Detachment (PSD) to inquire about/request an individual allotment. Please provide your PSD with our blanket code of 084 and the funds will be transferred to PennyMac (PNMAC) on the 1st business day of each month. If any issues are encountered while attempting to set up the allotment, your PSD may contact Defense Finance and Accounting Services (DFAS) for assistance. Under Federal law, during the 60-day period following the effective date of the transfer of the loan servicing, loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you.Important Legal NoticesPennyMac Loan Services, LLC ("PennyMac”) is required under state law to notify consumers of the following rights. This list does not contain acomplete list of the rights consumers have under state and federal law.ARKANSAS: Licensed by the Arkansas Securities Department. Complaints regarding the servicing of your mortgage may be submitted to theCommissioner at www.securities.arkansas.gov.CALIFORNIA: As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a creditreporting agency if you fail to fulfill the terms of your credit obligations. The state Rosenthal Fair Debt Collection Practices Act and the federal Fair DebtCollection Practices Act require that, except under unusual circ*mstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may notharass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you atwork if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, otherthan your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For moreinformation about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. Licensed by theDepartment of Financial Protection and Innovation under the California Residential Mortgage Lending Act.COLORADO: A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer.‘A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collectthe debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE https://coag.govicar. Our local officeis located at 700 17th St, Suite 200, Denver, CO 80202, (833) 216-6680.HAWAII: Licensed as a mortgage servicer by the Commissioner of the Division of Financial Institutions of the State of Hawaii. As a borrower, you havecertain rights pertaining to complaint resolution, including those set out in this notice, and you have the right to submit complaints to the DFICommissioner. A DFl complaint form and information about submitting complaints are available at http://cca.hawail.gov/dfiffle-2-complaint/. Complaintsmay be mailed to Division of Financial Institutions, DCCA, P.O. Box 2054, Honolulu, HI 96805.MAINE: PennyMac Loan Services, LLC operating hours are 6:00 A.M. until 6:00 P.M. Pacific Time Monday through Friday and 7:00 A.M. until 11:00A.M. Pacific Time Saturday. You may contact our office during business hours by calling (866) 545-9070.MASSACHUSETTS: NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debtnot be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of therequest postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector. Mortgage LenderLicense # MC35953.MINNESOTA: This collection agency is licensed by the Minnesota Department of Commerce. This is not an offer to enter into an agreement and anoffer may only be made pursuant to Minn. Stat. §47.206 (3) & (4).NEW YORK: Under the Fair Debt Collection Practices Act debt collectors are prohibited from engaging in abusive, deceptive, and unfair debt collectionefforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made withthe intent to annoy, abuse, or harass. !f a creditor or debt collector receives a money judgment against you in court, state and federal laws prevent thefollowing types of income from being taken to pay the debt: 1) Supplemental security income (SSI); 2) Social security; 3) Public assistance (welfare); 4)Spousal support, maintenance (alimony) or child support; 5) Unemployment benefits; 6) Disability benefits; 7) Workers’ compensation benefits; 8)Public or private pensions; 9) Veterans' benefits; 10) Federal student loans, federal student grants, and federal work study funds; and 11) Ninetypercent of your wages or salary earned in the last sixty days. New York City Department of Consumer Affairs Collection Agency License 1294096-DCA,1467388-DCA, 2038669-DCA, 2040969-DCA, 2076695-DCA, 2079363-DCA. City of Buffalo Collection Agency License 551910. PennyMac isregistered with the Superintendent of the New York State Department of Financial Services (Department). You may obtain further information or file acomplaint by calling the Department's Consumer Assistance Unit at 1-800-342-3736 or by visiting www.dfs.ny.gov. PennyMac_utilizethird-party providers during the servicing of your loan. PennyMac remains responsible for all actions taken by itsthird-party providers, Loans not available in New York.NORTH CAROLINA: Licensed by the North Carolina Office of the Commissioner of Banks. Complaints regarding the servicing of your mortgage maybe submitted to the Office of the Commissioner of Banks, 316 W. Edenton Street, Raleigh, NC 27603, (919) 733-3016. Licensed by the North CarolinaDepartment of Insurance. Permit No. 119504607 - 6101 Condor Dr., Suite 200, Moorpark, CA 93021. Permit No. 119505929 - 14800 Trinity Blvd., FortWorth, TX 76155. Permit No. 119506567 - 3043 Townsgate Rd., Suite 200, Westlake Village, CA 91361. Permit No. 119506570 - 2201 West PlanoParkway, Suites 150 and 300, Plano, TX 75075. Permit No. 119507419 - 10550 West Charleston Blvd., Suite A, Las Vegas, NV 89135.OREGON: Borrowers: The Oregon Division of Financial Regulation (DFR) oversees residential mortgage loanservicers who are responsible for servicing residential mortgage loans in connection with real property located inOregon and persons required to have a license to service residential mortgage loans in this state. If you havequestions regarding your residential mortgage loan, contact your servicer at (800) 777-4001. To file a complaintabout unlawful conduct by an Oregon licensee or a person required to have an Oregon license, call DFR at888-877-4894 or visit dfr.oregon.gov.UTAH: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a creditreporting agency if you fail to fulfil the terms of your credit obligations. This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. However, if your account is subject to pending bankruptcy proceedings or if you have receiveda discharge in bankruptcy, this statement is for informational purposes only and is not an attempt to collect a debt against you personally.a. qual Housing Opportunity © 2008-2022 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361,818-224-7442. NMLS ID # 35953 (www.nmlsconsumeraccess.org). Trade/service marks are the property of PennyMac Loan Services, LLC and/or itssubsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the N.J. Department of Banking and Insurance. Rhode Island -Lender License # 20092600LL. For more information, please visit www.PennyMac.com/state-licenses. Some products may not be available in all states.Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services, LLC. All loan programssubject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. All rights reserved.(01-2022)po Rev, 07/2021 WHAT DOES PENNYMAC LOAN SERVICES, LLC NCABS) DO WITH YOUR PERSONAL INFORMATION? Te aq »| Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to & understand what we do. aoe The types of personal information we collect and share depend on the product or service you have with us. This information can include: a7 . Social Security number and employment information . Account balances and payment history i . Transaction history and credit history ee All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their ee customers’ personal information; the reasons PennyMac Loan Services, LLC chooses to share; neice and whether you can limit this sharing. Rts EEE Bye} 5 eS) ay For our everyday business purposes -- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report Yes No to credit bureaus For our marketing purposes -- to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes -- information about your transactions and experiences Yes No For our affiliates’ everyday business purposes -- information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For nonaffiliates to market to you No We don’t share ay aE oe Call 866-601-3518 — our menu will prompt you through your choices or Me Visit us online: www.PennyMac.com/privacy Please note: ES If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no /Jonger our customer, we continue to share your information as described in this notice. ie However, you can contact us at any time to limit our sharing. Bua Call toll-free 866-601-3518 or go to www.PennyMac.com/contact-usLy ae es whe =Rhetwede — >i 3 se mSHow does PennyMac To protect your pel "Sonal info rmati on from unauthorized access and use, weLoan Services protect maintain physical, electronic, and procedural safeguards that comply with state andmy personal federal law. These measures include computer safeguards and secured files andinformation? buildings.How does PennyMac We collect your personal information, for example, when you:Loan Services collect . apply for a loan or provide your mortgage informationmy personal . give us your contact information or give us your income informationinformation? . provide account information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.Why can’t! limit all Federal law gives you the right to limit onlysharing? . sharing for affiliates’ everyday business purposes ~ information about your creditworthiness . affiliates from using your information to market to you . sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.What happens when | Your choices will apply to everyone on your account.limit sharing for anaccount | hold jointlywith someone else? e 2 *Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. . Our affiliates include companies with a PennyMac name.Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. . PennyMac Loan Services does not share with nonaffiliates so they can market to you.Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. . Our joint marketing partners include mortgage companies, insurance companies, and companies that provide financial products and services. an a iby 4 EO, 2 oeCalifornia Residents: We will not share your information with nonaffliated third parties for their marketing purposes exceptwith your express consent. We will not share your personal information with affiliates or with other financial companies forjoint marketing purposes if you ask us not to using the opt-out form or instructions called “Important Privacy Choices forConsumers” provided with this notice.Nevada Residents: This notice is provided to you pursuant to state law. You may be placed on our internal Do Not Call Listby calling (866) 601-3518, sending a secure message at https://customers.pennymacusa.com/, or writing to PennyMacLoan Services, LLC, Attn: Corporate Privacy, PO Box 788, Moorpark, CA 93020-9903. For more information, contact us atthe address above. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office ofthe Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132;email: aginfo@ag.nv.gov.Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose yourpersonal information, credit report, or health information to nonaffiliated third parties to market to you, other than as permittedby Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policiescan be found at www.pennymac.com/privacy or by calling (866) 601-3518.Texas Residents: For questions or complaints about this joan, contact PennyMac Loan Services, LLC at 800-777-4001. Thelender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency.If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaintor ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579.Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov.PennyMac Fee Schedule for Connecticut Properties Non-Default Primary & Subordinate Related Fees Rev. 05/2022 eee Capers tela) a last cto UNCOOL Fee required to reset the interest rate on the Balloon Reset loan to the current market rate for the No Charge remainder of the loan's amortization Fee Charged for using a debit card to Up to $6.75, as permitted by state lawDebit Card Payment Fee make a payment Charged when the monthly payment due is not Late fees are based on the terms of the Late Charge received by the expiration of the grace period Note, loan type, and as permitted defined in the Note by state law Fee charged to process the lien release Up to $22.50 as permitted by law and Lien Release Fee investor guideline Mortgage Documents Request to obtain copy of loan documents No ChargeNon-Sufficient Funds Fee Fee charged for a check or an electronic draft (returned payment or that was returned unpaid by the borrower's Up to $20, as permitted by state law returned check fee) depository institution Partial Lien Release Fees charged to process partial lien releases Up to $100, as permitted by state law Payment History Request for payment history No ChargePayment via Automated 24-hour Automated Pay by Phone Service No Charge Pay by Phone Service Payoff Demand Request for payoff demand statement No Charge Statement (by fax or mail) Re-amortization of the loan after a significant Up to $250, as permitted by state law Principal Recast principal reduction is made to the loan VA - $300 Application for an additional party to assume the} FHA - .5% of UPB or $900 max Qualified Assumption loan obligation or for a co-borrower to be FNMA - 1% of UPB ($400 min, $900 max)Fee/ Release of Liability released from liability for the loan obligation FHLMC - 1% of UPB ($400 min, $900 max) Fee charged by the county recorder's office to |Fees vary by state, county, document type record a full or partial lien release/satisfaction and number of pages Recording Fee of mortgage Application for name change, or adding new $100 to add a family memberSimple Assumption Fee related co-borrower to assume loan obligation Name Change - No Charge (No Release of Liability) When a borrower is refinancing a first lien Subordination mortgage and an existing junior lien will remain $195 Agreement in a subordinate position after the refinanceVerification of Mortgage Request for VOM (by fax or mail) No Charge Fee (VOM)PennyMac Fee Schedule for Connecticut Properties Default Primary & Subordinate Related Fees Rev. 05/2022 aaa [pyesrolat diced) a SENemas Nels Appraisal An opinion by a licensed real estate appraiser of $350 - $1,200 (varies by state the value of the property securing the mortgage and product type) Attorney's fees and court costs incurred when a As invoiced by attorney, and Bankruptcy Fees and borrower or other party with an interest in the permitted by applicable law, loan Costs property files for bankruptcy documents, and investor requirements An opinion by a licensed real estate broker or Broker Price Opinion agent of the value of the property securing the $85-$235 (varies by state (BPO) mortgage based on the value of comparable and product type) properties Attorneys and trustee fees and costs incurred in As invoiced by attorney or trustee the foreclosure process, including service of services, and permitted by applicable Foreclosure Fees process, filing fees, publication and posting to law, loan documents, and investor and Costs notify interested parties of the foreclosure requirements action, and title services Modification Fee Fee for processing a loan modification No charge application Inspections are ordered when a loan becomes $12-$45 (fees vary by investor and Property Inspection Fee past due 45 or more days to confirm occupancy inspection type) and condition of the property Fees to maintain vacant or abandoned properties, such as securing the property, Varies by type of service and property damage repair, removal of personal investor/insurer guidelinesProperty Preservation Fee| property/debris, jaintaining utilities if Fees Range from $50 - $20,000 necessary, mold remediation, grass cuts and winterization Short Sale/Deed in Lieu Fee for processing an application for Short Sale No Charge Fee or Deed in Lieu of Foreclosure Title Transfer Fee Cost of the Title Transfer $50 - $1,200PennyMac Fee Schedule for Connecticut Properties HELOC Specific Fees Rev. 05/2022 Li XRelasi zs elecelal Lelaaene=re! leials Fee charged on the anniversary date of the Agreement and on each anniversary date Up to $750 depending upon Credit thereafter during the time the Advance Period Utilization and Advance Period, and as Annual Fee is in effect, whether or not the HELOC permitted by state law Account is used Charged if after any applicable rescission Early Closure fees are based on the period, you elect to cancel the Agreement terms of the Agreement, and as Early Closure Fee within 36 months of the date of the Agreement permitted by state law for any reason Charged when the monthly payment due is not Late fees are based on the terms of the Late Charge received by the expiration of the grace period Agreement, and as permitted as defined in the Note by state lawNon-Sufficient Funds Fee| Fee charged for a check or an electronic draft (returned payment or that was returned unpaid by the borrower's Up to $20, as permitted by state law returned check fee) depository institution Charged when re-subordination Subordination Fee Up to $300 request is made Up to $22.50, as permitted by state law Lien Release Fee Fee charged to process the lien release and investor guideline Fee charged by the county recorder's office to Fees vary by state, county, document Recording Fee record a full or partial lien release/satisfaction type and number of pages of mortgageEXHIBIT “B”CITY OF BRIDGEPORT Kran orfs fax OFFICE OF THE CITY ATTORNEY 999 Broad Street x ORATED. 1 Bridgeport, Connecticut 06604-4328 TYISHA TOMS Collection Department Telephone (203) 576-7624 CITY ATTORNEY Facsimile (203) 333-2821 Of Counsel RUSSELL D. LISKOV March 28, 2024 PennyMac Mortgage 6101 Condor Drive, Suite 200 Moorpark, CA 93021 RE: W.P.C.A, AIC#110174-3 Shyanne Valentine 684-686 Kossuth Street, Bridgeport, CT 06608 To Whom It May Concern: This is to inform you that Shyanne Valentine is seriously delinquent in paying her Water Pollution Control Authority bill (sewer use charges). Attached hereto, please find a short history indicating the current debt. Please be informed that, pursuant to Connecticut General Statutes, the property has been liened and this lien has statutory priority to your mortgage. Thus, the borrower is in default of its mortgage obligation to you. We have sent numerous piec 

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