泛宇財經速報 貸款資訊知曉 2-9-2026

借款人就ACE房屋淨值貸款法拍起訴匯豐銀行和PHH

新訴訟針對匯豐銀行、PHH和ACE信託，質疑止贖和訴訟資格

一位紐約房主就與ACE房屋淨值貸款信託相關的止贖爭議，將匯豐銀行和PHH告上聯邦法院。

2026年2月4日，桑德拉·D·貝爾向紐約南區聯邦地區法院提交了一份經核實的訴訟，被告包括匯豐銀行美國分行（HSBC Bank USA, N.A.，作為ACE證券公司房屋淨值貸款信託2005-HE1的受託人）、PHH抵押貸款公司（以PHH NewRez LLC 的名義開展業務、McCway事務所及其他未具律師事務所。貝爾女士自行代理，並稱自己是紐約州米德爾敦南阿斯彭路29號房產的合法所有者。

貝爾女士訴訟的核心在於質疑被告的止贖權。她聲稱，儘管止贖程序進行得如同信託及其代理人擁有可強制執行的權利一般，但她房屋的本票和抵押權從未被正確地放入ACE 2005-HE1信託中。她指出，背書、轉讓和其他貸款文件中存在不一致之處和姓名差異，並聲稱這些資料與她的實際貸款不符。

貝爾的敘述很大程度上依賴於先前的州法院訴訟。她引用了2020年奧蘭治縣最高法院在涉及同一房產的先前止贖案件中的一項裁決，她說該裁決撤銷了止贖判決，取消了待決案件通知，並提到了“未出具本票——銀行錯誤”這句話。在她看來，這段歷史削弱了之後任何基於同一筆貸款的止贖嘗試。

她也對止贖案件在法庭上的陳述方式提出了質疑。根據她的訴訟文件，一份提交給州法院的「資格證明」表明，關鍵文件（例如本票、抵押權和轉讓書）已經過審查並支持了訴訟請求。貝爾聲稱，當時這些文件並不完整、前後矛盾或格式不規範，但卻被用來推進止贖程序。

這場訴訟不僅限於文件之爭，也深入探討了底層證券化的結構。貝爾將ACE 2005-HE1描述為房屋淨值貸款信託，其運作採用資金池和服務安排，涉及信用增級以及各種保險和儲備機制。她聲稱，被告可以獲得產權保險、災害保險、強制保險、資金池或債券保險以及儲備或託管帳戶等保障，卻仍然透過止贖程序和相關費用直接向她追討欠款。她認為這是對同一筆貸款進行不當的多層追償。

貝爾提出了一系列廣泛的法律訴訟請求，包括缺乏訴訟資格和欺詐性隱瞞、聯邦法規下的民權理論、敲詐勒索指控、與ACE 2005-HE1相關的證券索賠、《公平債務催收法》索賠、非法止贖、濫用訴訟程序、欺詐法庭、不當得利、誹謗所有權、會計處理、推定信託以及州法律下的民事共謀。她要求的救濟措施包括宣告被告對該房產不具有任何有效權益、確認所有權、撤銷已登記的文件、頒布禁令以停止止贖和催收活動、一系列損害賠償以及陪審團審判。

對於抵押貸款機構、服務機構和止贖公司而言，這份訴訟文件聚焦於他們熟悉的壓力點：如何證明訴訟資格、如何將貸款記錄到證券化信託中、如何在法庭上使用證明和宣誓書，以及保險和費用如何影響止贖追償。這些指控能否獲得支持，還有待觀察。到目前為止，還沒有聯邦法官對貝爾的訴求作出裁決，該案仍處於早期階段，尚未對案件實質內容作出決定。

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