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I Told You So: Banker Destroys Letitia James’ Ludicrous Fraud Charges

A banker testified that there was no fraud in the loans they made to President Trump.
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As I have been saying since the ever-corruptible NY AG Letitia James brought fraud charges against President Trump her case does not hold water because banks do not just accept all the information a borrower puts on their application.

They have an entire process by which they accept or deny loans. Nicholas Haigh, who served as a Deutsche Bank risk management officer when Trump was applying for the loans testified in court and he did James no favor.

Haigh related exactly how the loans went down and what problems they were able to work out with Trump. One thing you need to understand is that banks do not count collateral by how much they can sell it for in case of default.

They discount it, knowing they cannot sell the assets for the full value unless they are willing to sit on it for an extended period of time and that does not work for them.

There were a couple of properties that were overvalued as far as the loans were concerned, but they were able to reach an agreement with Trump based on a quick sale of assets rather than the full market value.

He explained the complicated procedures in granting a loan and what they needed to decide to give Trump the loans. He went on to say that the loans played out exactly how they intended them to.

His bank was paid in full with interest and all parties were happy with the results. There were no victims and no crimes, so why did James bring charges? because she is much more concerned with politics than protecting NY citizens from real and violent crimes.

From Hot Air

Donald Trump obtained hundreds of millions of dollars in loans using financial statements that a court has since deemed fraudulent, a retired bank official testified Wednesday at the former president’s New York civil fraud trial.

Trump’s “statements of financial condition” were key to his approval for a $125 million loan in 2011 for his golf resort in Doral, Florida, and a $107 million loan in 2012 for his Chicago hotel and condo skyscraper, former Deutsche Bank risk management officer Nicholas Haigh testified…

“I think the phrase we used might have been ‘sanity checks’ on the numbers,” he said.

Contrary to the prosecution’s claims that Donald Trump had somehow pulled a fast one on the banks, Haigh testified that they frequently gave “sizable haircuts” to the values that Trump’s attorneys assigned to his properties. That’s what Haigh referred to as “sanity checks.” When Trump claimed his total worth was $4.3 billion, Deutsche Bank trimmed it down to $2.5 billion. (That’s a rather hefty “trim,” isn’t it?) Of Trump’s financial standing, Haigh testified that the “representations of the assets and liabilities were broadly accurate.”

When estimating the value of undeveloped property that Trump was seeking a loan to develop, Deutsche Bank knocked 75% off of Trump’s claim in one case. They similarly slashed Trump’s claimed value of his golf courses in at least one instance. In the end, both parties agreed to the terms. The loans were made and they were repaid on schedule.

I’m not sure what the court thought they were going to accomplish by bringing this guy in to testify. It sounds like he did nothing more than describe business as usual in Manhattan. Or at least it was “usual” by the standards of people who travel in Donald Trump’s financial circles. Most of the questions being raised deal with the estimated values of various properties. And in the business world, a thing is worth precisely as much as someone is willing to pay for it. Trump played that game well enough to become quite wealthy and the banks happily went along for the ride. The only “fraud” in sight here is coming from the office of Letitia James.


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Comments 58

  1. Jimmy says:

    I hope Haigh was able to wipe the smirk off of James’ puffy face. She would have and should have known how banks to business. Both her and the judge should be charged with Prosecutorial Misconduct and disbarred.

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    • amour says:

      Does he have any clue how banks work when dealing in the magnitude of Trumps Real Estate? Has she ever built anything of this importance? Hell no. So shes another ignorant political hack who tries to make a name for herself by going after our president. GREAT NEWS! yeah, wipe that smirk off her face and write “FAILED” on it.!

      • Lawrence M says:

        amour; yes indeed, all of them involved in the Witch Hunt Frauds are good at “Criminal Conspiracy” Lies and Falsehood because their hearts and minds are wicked, and besides being the “most standout biased partisan hacks ever” in our system of governance; they are doomed! These Demonicrats think that Adam Schiff and the rest of the demonic ilk in Washington got away with the two “Fake Impeachments” that fell into the garbage heap which is far better than were they will fall when they meet their Maker! These blind as bats morons still won’t “look at the Truth” and finally admit they “were so pitifully wrong and then repent!”

        Romans 2:4-6 “Or do you disregard the riches of His kindness, tolerance, and patience, not realizing that God’s kindness leads you to repentance? 5But because of your hard and unrepentant heart, you are storing up wrath against yourself for the day of wrath, when God’s righteous judgment will be revealed. 6God “will repay each one according to his deeds.”

        I’m just a faithful servant of the Lord, but, I do understand quite well that their final resting place will never allow them a moments rest or escape from the “torment and suffering,” when in that most horrid place that’s awaiting their arrival!

  2. Ron C says:

    Okay, and why is Trump still required to waste his time in this kangaroo court? Because the courts are playing politics for creepy Joe! And the supreme courts are allowing it! Third world clowns!

  3. Zed Noone says:

    It’s not about convictions, because there is no evidence as there were no Trump crimes. They are tying him up, stealing his wealth and harassing him so he won’t run or lose if he does. When James’ circus is over, there will be another one. The legal wing of this Government has many Judges and Prosecutors that don’t follow the law, and we call people like that ‘criminals’.

    • Lawrence M says:

      Zed; I agree! Smoke and Mirrors, along with the usual DC Establishment Swamp Charade!
      Both sides of the aisle are in on it too!

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  5. DrBillLemoine says:

    We must remember that Deutsche Bank was the primary go-between for Trump and Russian President Putin in laundering money for 1. electing Trump president in 2016, 2. paying Trump more than property was worth when he raised funds, 3. selling property to Trump when he had insufficient funds, and worse. The bank is a focal point for illegal Trump activities for years regarding his dealings with oligarch thieving Russians as well. So believe only what bank officials can prove to you during a discussion like his New York real estate dealings. This piece does not prove anything against AG James or any facts the general public already knows.

    • george says:

      are you absolutely daft or just a stupid democrap?

      • DEM says:

        I would say “Dr.” Bill is just a deaf, dumb and blind democrat.

        • Lawrence M says:

          DEM; those that are also known as Leftist Stooges or Minion Slave! How else would Hitler in WWII have many SS and a Gestapo serving his beck and call!

          Willful ignorance or avoidance of moral responsibility is an evil thing, and those that do it blatantly will be accounting to God for it when their judgment comes!

          Isaiah 5:20 “Woe unto them that call evil good, and good evil; that put darkness for light, and light for darkness; that put bitter for sweet, and sweet for bitter!”

          These obvious and academic situations that are being ignored or intentionally misconstrued by the aforementioned officers of the judicial court system will pay a much more sever penalty in the end than any meted out by any earthly court!

          • DrBillLemoine says:

            Lawrence, your failure to address my comment shows your ignorance of the subject; you can call it right-wing stooge or minion slave. Hitler’s Germany had low unemployment during the Great Depression, so jobs were taken by many unwittingly.
            Just how is AG James’ prosecution of blatant crimes not ‘moral responsibility’?
            Are you Jewish, citing Old Testament quotes? You haven’t applied your biblical knowledge to the far right, including Trump. Hypocrisy. Woe unto you.
            Prophet, look to thine own sins.

        • DrBillLemoine says:

          To ignore the substance behind my comment is ignorance.

        • Lawrence M says:

          George and DEM; Your observations and perspectives are spot-on! Let me add the following!
          A certain foolish maybe professor is blasting away at others on here or wherever he can about banks and how oligarchs’ and blatant criminals’; when in actuality the “Devil he knows” and “voted for” is one of the biggest criminals’ in all of American history; who is feeding multitudes of “oligarchs’” in Ukraine who gladly provide “kickbacks” to the “Big Guy” who NEVER did an “honest day’s work in his life;” and while the only financial empire he had a clue how to build or the brains with determination that it really takes, would be a Game of Monopoly! And so instead, for decades he basically did the same kind of backdoor dealing that Obama and Kerry did when they flew over to Iran, which was violating all agreements prior to the 2016 Cash Transfer; but regardless in the middle of the night with planes loaded they both made the drop (not boat loads) of “CASH” in the $100’s of Millions; or let’s not forget that other notably Criminal Demonicrat Killery with her “Pay to Play Club!” And the Big Guy just opened the Coffers to the Iranian Mullahs (Oligarchs’) again to the tune of 6 $Billion! This while anyone with a clue knows they want to possess nuclear missiles to destroy Satan Israel and Satan America as they had clearly stated for many years! Yet some people still want to believe that Trump is the “big bad criminal” when all these in “YA FACES” obvious ones, are “taking everyone for a ride” and then some; with all of their “deep dark crimes, even premeditated murder!”

          As I’ve had to state too many times; some people are apparently Hopeless!

          • DrBillLemoine says:

            The only documented ‘devil’ is Trump, on trial for criminal behavior determined by the top attorney for New York State; not related to my blasting here as you accuse.
            Your source of Ukraine and Hunter Biden/Joe Biden info does not reflect 1. congressional investigation or 2. factual truth by reputable news media. Ukraine has work for a decade to remove oligarchs and criminals in office there aiming to join NATO and the western European community especially economically. Your data is at least a decade out of date today.
            You also ignore than knowing any subject like finance does not require being rich, especially since you are also commenting on the subject and attacking my analysis. Hypocrite and faulty thinker.
            You also condemn without justification politicians in general (which would include your own representatives) and the Iran (nuclear non-proliferation) Agreement now negated by Trump. The cash sent to Iran was their own funds long ago escrowed for sanctions imposed for their wrong-doing. Retrieving Americans held hostage was the priority then; recently more Iran funds were again escrowed, but it’s their money, none of it American taxpayers cash.
            Also, Hillary Clinton was wrongly blamed for her good work as Secretary of State as a platform for illicit fund raising for her foundation Clinton Global Initiative, and other non-existent wrong doing. You are a fan of Jim Jordan who did spend millions of American taxpayer dollars investigating issues that resulted in no wrongdoing or charges produced over years of committee work. Your prejudice is showing, not your critical thinking.
            What’s hopeless is your ability to take in news and data to make reasoned conclusions for yourself; you simply spout another’s propaganda making you a good mouthpiece for our enemy Russian President Putin, communist news outlets everywhere and other non-thinking sycophants of dictatorship here at home.

      • Katie says:

        BOTH!!! Watches too much CNN/MSNBC. He needs to watch news outlets that have high ratings, not those in the ratings tank.

        • DrBillLemoine says:

          Katie, a good citizen looks for validity and reliability in reporting, not ratings. Your sources are not newsworthy illustrated by your lack of specifics or even directness addressing my comment.

        • Lawrence M says:

          Katie; he and millions of others need to tune into reality! That is the first step and then studying of the Holy Scriptures! Accompanied by actual verified or authenticated historical texts, in order to understand what has really been going on in this world; and most urgently what is coming very soon! All of which any sensible and God fearing person would want to try and understand in order to be prepared for the “final analysis!” And God’s judgment will be FINAL!

          So many people are so “totally foolish or permeated with evil” of the sinful, “crooked ways of the world!”

          Unless they awaken soon; They are screwed!

      • DrBillLemoine says:

        Lack of substance in your comment shows you are what you accuse me.

      • liss says:

        Both my friend. BOTH!

      • amour says:

        George, BOTH my friend BOTH!

    • bob says:

      Sounds like you , puppet ,, are bucking to kneel in front of Perv Biden and PACIFY !!!!

  6. Americafirst says:

    Why isn’t anyone arresting Letitia James, or is she already on the roster to be taken to Gitmo?

  7. m says:

    I hope Trump goes after James with everything in his arsenal. I would think the people of New York City would want this lawless thug to do her job & protect the with all the crime rampant in the city rather than go after the next president.

    • Lawrence M says:

      m; that is because she is a crooked Partisan Hack and a very bad (evil) person who will pay severely when God judges her; and its coming I assure you!

  8. Sarah Lucas says:

    Liberals would not lose their minds if they actually used them. They seem to believe every word that the Democratic Leadership tells them to, and does not think logically, as an example the recent admision by the woman who wrote the letter claiming rape against SCOTUS Kavanaugh, saying she never met the man, the even did not happen, and what she said was a total lie in her unsigned and false letter. Almost ruined a man and definately tainted his reputation over what, lies by the democrats to gain political foothold. Shameful.

    • Lawrence M says:

      Sarah Lucus; so very true! Democrats and even more so leftists are using “selective cognition” so their minds will only accept their “pre-approved narrative of reality” and of things going on around them! It’s like a little 2 year old baby that ‘”only knows how to cry,” and “that gets mommy to run over and give little baby what it wants at that moment!”

      This limited or “biased perception is intentional” so therefore “by design;” a “self-induced behavior modification!” But such people become automatons eventually, and so “force of habit is their forte,” and many “evil madmen look for these sorts of persons” to manipulate and control as a “herd of minions!” Thus look at the jackasses that voted for that “Man of Perdition Stooge in the White House!” See how it works, it’s all about “exploitation and Deception,” being a prolific LIAR and we know he does that in spades, a pathological natural born one! One fulfills the other’s need or like making sure the shoe fits, and how they say “if the shoe fits wear it!”

      I must add; this only points out that there are some very, very sick people all around us, some too that are evil!

  9. Pete says:

    “Dr Bill” is a phony who makes accusations that he can NEVER back up! Ignore the troll. I once took out a mortgage,to buy my house. Among my assets was 10K$ of US Government savings bonds. The bank requires me to submit photocopies of the front and back of EVERY bond! And this was for a lousy 60K$ mortgage, where I had over 20% down! Banks take NO chances on getting their money (and interest) back! I agree, this lawsuit is just political crap!

    • Lawrence M says:

      Pete that is a great analogy and real life experience you can point to that fully illustrates how many people, some of them not good one’s are operating and why!

      • Lawrence M says:

        Pete; and all who love the Truth, “through the word of God be not deceived” by the many cohorts of “the father of all lies” who is aggressively working through these minions now to “tie a noose around the necks” spiritually speaking, of anyone who will accept “dark for light,” “lies for truth” and fall headlong “into the pit of damnation!” These ARE the “Prophesied” times foretold in the “Book of All Truth the Bible!” Holy, Holy is the Lord!
        The Gospel of Jesus Christ our Lord is forever!

        The aggressor is “always wearing a disguise and will mix truth with lies” and as well “speak absolute blasphemous lies” seeking to corrupt even the elect, to bring “shock and awe” just like all of this evil “Transgender” speak about “men can be women and women can be men,” it’s their own choice and they can do this at a tender young age of grade school children!

        The beast is so very prevalent in our society and culture, running rampant throughout the world to trap as many as it can into this “deepest and darkest web of deceit, lies and SIN!” The only Trans being installed into the hearts and minds of anyone so foolish or too confused to see it for what it is, a HUGE LIE; the game of the beast now is to bring as many human beings as possible to actually “Transgress God!” Yes my brothers and sisters, “the battle is now, and we are all being put to the test!” It saddens my heart to see all of this happening throughout the world and knowing full well that many will be deceived! But the beauty is, that we can know by such blatant turmoil throughout just as it was during the time of Noah and the flood, that this is also “a sign of Christ’s Return being near at hand!” The Devil and all that is evil dooms itself to everlasting punishment! But by your faith, you can and will rise above all of this that is passing away!

        You need no other “Truth, Facts and Wisdom” than that which is “already given to the world by the Word of God Almighty,” Who “loves you beyond human understanding” but know that these words of our Lord are “TRUTH!”

        Luke 17:5-7 “The apostles said to the Lord, “Increase our faith!” 6And the Lord answered, “If you have faith the size of a mustard seed, you can say to this mulberry tree, ‘Be uprooted and planted in the sea,’ and it will obey you. 7Which of you whose servant comes in from plowing or shepherding in the field will say to him, ‘Come at once and sit down to eat’?”

        John 14:17-19 “the Spirit of truth. The world cannot receive Him, because it neither sees Him nor knows Him. But you do know Him, for He abides with you and will be in you. 18 I will not leave you as orphans; I will come to you. 19In a little while the world will see Me no more, but you will see Me. Because I live, you also will live.”

        Yes the Lord told us and He is the only One that can save us, so we must adhere to His words and promise that He is returning!

        We in this age are living in the time very near to His return; why else do you see these minions who serve Satan making so much fuss when they are exposed or not tolerated, like desperate desperadoes that know the hour for the “evil one” and all who follow him is running out very quickly; but assuredly “The Day of the Lord” is near at hand!

        2 Timothy 1:6-8 “For this reason I remind you to fan into flame the gift of God, which is in you through the laying on of my hands. 7For God has not given us a spirit of fear, but of power, love, and self-control. 8So do not be ashamed of the testimony of our Lord, or of me, His prisoner. Instead, join me in suffering for the gospel by the power of God.”

        Take heart and know that “God will NEVER” let go of or disappoint those who love Him above all else. He is “The Alpha and The Omega!”

        John 16:32-33 “Look, an hour is coming and has already come when you will be scattered, each to his own home, and you will leave Me all alone. Yet I am not alone, because the Father is with Me. 33I have told you these things so that in Me you may have peace. In the world you will have tribulation. But take courage; I have overcome the world!”

        The “liars and evil ones are weak in spirit (LOST) and doomed already” and “their eternal punishment is coming!” For now they run naked in the night trying to confuse and attack anything that is good and of God!

        The fate of the diabolical is sealed and nothing can change that, but, all of you who know in your hearts that “you put your trust in the Lord thy God” are saved if you will truly believe in Him who makes things right when He returns at the Second Coming!

        Proverbs 3:5-7 “Trust in the LORD with all your heart, and lean not on your own understanding; 6in all your ways acknowledge Him, and He will make your paths straight. 7Be not wise in your own eyes; fear the LORD and turn away from evil.”

        1 Corinthians 2:8-10 “None of the rulers of this age understood it. For if they had, they would not have crucified the Lord of glory. 9Rather, as it is written: “ No eye has seen, no ear has heard, no heart has imagined, what God has prepared for those who love Him.” 10But God has revealed it to us by the Spirit. The Spirit searches all things, even the deep things of God.”
        Amen and Amen.
        God bless you!

    • DrBillLemoine says:

      Pete, real estate assets are valued by people, unlike the clear definite face values of securities you mention. There’s the criminality. Inflating values far beyond the comparables of Trump properties for loan applications; unreasonably deflating the same property values to reduce taxation by federal, state and local taxing authorities. Your (sorry) paltry small loan was in no way comparable to double dealing with New York City valuations in the hundreds of millions of dollars.

    • Lawrence M says:

      Pete; perfect and straight to the heart of the matter; absolutely on point!

  10. Leftshot says:

    So, where does this leave us? Haigh just testified to what EVERY person who has ever been involved in commercial loans already knew–there was no fraud. But the corrupt judge has already ruled that there was fraud–and it’s not a jury trial.

    So, where does this leave us?

    • Lawrence M says:

      I don’t give legal advice but I have fought some legal battles in courts and prevailed, so in theory I can only give an unofficial opinion. I would have to study all the details of the decision, but, I’m sure its flawed and on appeal another judge will have to render a verdict finding it null and void; or if need be by historical “precedent alone” this could go to the higher courts, and with all the witch hunts that have been over the top obvious since Trump came down the escalator, which no other president in America ever had to deal with; as they say there’s absolute bias or prejudice and targeting of him on many fronts, which would be easy to prove, and all this crap theatrics would have to be tossed! If they keep pushing for “crime to win on their side” of the fence they will be the ones being accused; as in an “organized criminal conspiracy” by “weaponizing the Justice Department” or court system in which “RICO Statutes” would apply; as well potential “Treason, Sedition” and so on, and if charged “the table turns” with them in court for many lawsuits and to fight “criminal charges” of their own!

      These days to get fair justice in a mess like this takes Big Money, and average people like us don’t have a leg to stand on, because the “mean down and dirty” in the system “can kick us to the curb;” but Trump has the bread, to “fight tooth and nail!”
      God bless!

    • Lawrence M says:

      Leftshot; come back to read the commentary that I just left, which tells us plainly what God says about “where does this leave us!”

      God bless.

    • DrBillLemoine says:

      Don’t you think it suspicious that a high ranking officer of Deutsche Bank would defend his practices, if they were used normally? In Trump’s case, as a perpetual bully, nothing was normal under pressure of higher ups schmoozing with a thieving Russian oligarch or his leader, President Putin. To make money for the bank, shortcuts are always in order for illicit activities like financing an obvious business moron. Everyone in New York was aware of Trump bankruptcies, like Atlantic City casinos, which even a dummy could make money from, but Trump went bankrupt in a surefire business. And no doubt this German bank in bed with a nation and its president and under his thumb would cheat. As I recall, DB has been called into question since the first Trump impeachment with back channel dealings handled with the Russian mafia. No, risk manager Haight is an unreliable witness to truth or routine bank procedures.

      • Patriot2025 says:

        You are hopeless.

        • Lawrence M says:

          Patriot2025; I just wanted to say I love your simple short and sweet to the point totally honest response!!! Those of us here who have our wits about us being people of integrity and have character which is just about all of us, know who the real “moron” is in the room as the saying goes, or on this site lately! Imagine someone who labels himself a Dr. and actually brings up the “fraud totally BOGUS Impeachments” which President Trump a “real President” unlike the human barf diaper clad poor excuse for a human being let alone a president; as what he thinks is some kind of strong point for the argument he keeps making on here with himself, because nobody cares what he says let alone thinks, and of course the two impeachments which President Trump was completely exonerated of because they were based on absolute lies and fabrication, but, some people with TDS keep trying to rehash those lies in their own minds thinking somehow they will magically become real!

          Talk about being out of touch with reality and a joke; it reminds me of that other off the wall BOGUS case about something that she a professor imagined or lied about happening back in 1982! Christine Blasey Ford, a California psychology professor that the Democrats finagled into the hearings for the appointment to the SCOTUS of Justice Brett Kavanaugh, in order to destroy his chance at being appointed to the Supreme Court; yes another Democrat Witch Hunt Weaponized False Accusation! Obviously being a psychology professor and having access to so many people that could have provided her with the help she needed probably most of her adult life, she never bothered to take it!

          But of course to your point; some people are irretrievably lost and yes unfortunately for them Hopeless! Such is life, we all have the opportunity to shine being heroes and saints or be those who are dark and lost in a nebulous cloud of cheap lies and deceptions while trying to find some relevance for such lost and meaningless lives!
          Live and learn! Or not and disappear!
          God bless.

  11. Mike Lewis says:

    Good job to the Banking Institution CEO for telling the truth. And this witch hunt trial continues hopefully Mrs James and this compromised puppet for a judge will get their Day in court for commiting High Treason. President Trump should sue the living hell out of them both make and make a perfect example of them both.

  12. Don says:

    James and her ilk need jailed.

  13. Nav|Vet67 says:

    Lettia James should be disbarred

    • Lawrence M says:

      NavVet67; there should be no doubt about that! And thank you for your service!
      God bless you and yours!

  14. bob says:

    Letitia James is nothing but an inbred , vine climbing , worthless, liberal jism swallowing , degenerate slut !!!!!! This ingrown nappy haired wench should be disbarred and her banchi lips sewn together !!!

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  16. NavVet67 says:

    Just deliberate attacks to keep him from the White House. The dems as well as some repubs fear him for they will loose their power, fortunes and their corruption. God save the United States and it’s democracy

    • Lawrence M says:

      NavVet67; of course you are absolutely correct and all those insider criminals have so much to fear if they are completely exposed and put before the court! So the attack frenzy continues unabated with every underhanded legal trick in the book! The book being the Gestapo Rule Book that Joseph Goebbels the Nazi Propaganda Minister formulated during WWII for Hitler’s SS Gestapo!
      But I keep this comment short unlike the other I just made in honor and respect of your service! I appreciate that of course but also you pointing out truth here with such straightforward integrity and compassion!
      Thank you again.
      God bless you and yours!

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