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The AG does not have to be the one who initiates such a claim. That would also then give grounds for an injunction.

That will be a simpler case than citing ALL the laws and regulations that have been flaunted in my case.

No action was to be taken to try a foreclosure while a mod under the settlement agreement was being worked out. No excuse is provided in the settlement agreement, allowing any of the notarized and verified modification contracts to be ignored and never implemented. They never denied the ap, they generated the mod, they never found a flaw with the mod. You can send her email and let her know your hardship and ask her help. You can also try to call NACA to see if they can help you too.

They will probably think of some sort of legislative fix, but is legislation the answer? She was in a hurry to notarize the documents because she knew if she stayed a little longer we might ask her questions pertaining to the loan.

I am a certified Public Notary now but not back then. When I was reviewing my loan documents when I bought that house I found a lot of questionable figures, fees and statements.

A lot of fraud and deceptive actions is done at closing where subprime borrowers are often presented with terms that do not match those previously offered, and then pressured into signing documents they have not had online loans instant approval no credit check time to review. This is not a legal advice but for information only. I am a person who can not say three and tree, Utotem and Curtain. Do you have a Pennnnnnnn , No Pennnnnnnnnnnnn the one you use to complete your Application for Employment. Oh I am sorry I thought you are asking me if I know how to play a Piano. However, if someone is driving and he hit somebody, and I see everything I can memorize his license plate in a second and can dial 911 fast, I will be following him until justice is done. Also, can the QWR help if I am already in foreclosure? No sale date, been trying to work with Wells Fargo since October of 2008! You cannot even believe how many times I have faxed all the required paperwork to get a loan modification. Only to check in with them to say the request is expired payday loans up to 5000 and I have to send in everything all over again. My story consists of falling behind on monthly payments due to the fact that my estranged husband moved out and would not help me make them. The payments just kept falling so far behind that I could self employed personal loans not catch up and then Wells Fargo foreclosed.


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I have tried to tell them I can make the mortgage payments now.

Oh, and I spoke with the man from Wells Fargo on Sat. Plus I have never received any official letter or package stating any of this from them. I think if you read the LONG post Faith made on this cash lender thread that you will see this does not look to be a valid usage of a QWR. I think it also said the QWR was not what should be used to stop a foreclosure unless there is a specific problem with the accounting or other aspects such as a transfer where things have gone amiss. Anyone know what the mailing address for Wells Fargo is when sending the Qualified Written Request? Also, can the QWR help if I am already in foreclosure? No sale date, been trying to work with Wells Fargo since October of 2008! You cannot even believe how many times I have faxed all the required paperwork to get a loan modification. Only to check in with them to say the easy online loans request is expired and I have to send in everything all over again. My story consists of falling behind on monthly payments due to the fact that my estranged husband moved out and would not help me make them. The payments just kept falling so far behind that I could not catch up and then Wells Fargo foreclosed. I have tried to tell them I can make the mortgage payments now.

Oh, and I spoke with the man from Wells Fargo on Sat.

Plus I have never received any official letter or package stating any of this from them.

On the Friday night we signed our loan papers, approx. With each document we signed or initialed, she inserted each one in some sort of order within each of these stacks, in other words this was Not a page by page filing of a debt instrument.

So what was I unknowingly doing, signing my life away to invest bankers, brokers and securities firms….. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Hi Opus, yes, payday loans up to 5000 HSBC confirmed to me on the telephone that Hong Kong Shanghai Bank Corporation is both the servicer and owner of my loan. I called them to find out if my loan pay day loan store was backed by Fannie or Freddie.

The representative explained to me that they own all the loans they service.

It questions whether mortgage servicing companies that agree to modify unaffordable loans are arbitrarily canceling those deals after the borrower has successfully completed the trial period.


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Mortgage modifications prevent foreclosuresLewis tells the story of a woman who signed a modification agreement and not only made the required three-months worth of trial payments at the new lower amount, but a fourth payment as well. Lewis has heard this might not be an insolated incident. And, I really payday loans missouri like the one where an old guy (forget his name) that just rants about the banks, fraud, etc. Other than SEC lawsuit, he made out quite well in all this predatory, fraudulent, money laundering biz that we like to call banking in America.

I love to dig up facts and information, but am not as eloquent in creating the responses many people here are. I have been battling here in MD for close to two years and have found some of the best people within the system to contact. I my appeal for help with the OCC, I referred to this forum and responses within ripoffreport.

I payday loans up to 5000 small loans with no credit checks encouraged them to look at the sites, but who knows. I even contacted payday loans up to 5000 the legislation division of my Senator requesting that I be put on a list that is willing to speak at a congressional hearing, nothing so far.

One thing my Senator needs to know is that after she sent my letter to Chase (and also to the OCC), Chase closed my case when the Exec payday loans up to 5000 Team asked me if I was still working with NACA. I never signed away my rights to talk with the Exec Team at Chase in order to work with ANYONE who might help me. But is it the banks or the real estate brokers or a collusion amongst them? John Hardage, the Acting Congressional Liaison Director for the Comptroller of the Currency. We talked for awhile, and she asked if I was still also working through a HUD authorized nonprofit, NACA (Neighborhood Assistance Association of America) to get a modification through Chase. She said she would not talk with me because I am also working with NACA, and that they have a team at Chase that only works with people working with NACA.

Working with NACA, or any other authorized non-profit should not preclude my being able to work with the Chase Executive Team, but that is how this bank is interpreting this. Calls from collections, the imminent default team, loss mitigation and missing docs. I have complied with every request they have made (other than paying my mortgage, which is now unfortunately in default).

Each and every person has to read my file on the computer and ask me the same questions and is totally unclear as to what to do next. I SHOULD be able to call the Executive Team, but they have shut me out.

I could close that case, but since JPMorgan Chase is so unresponsive to my needs I hesitate to do so in the off chance that that might be successful. I feel like I have two full time jobs right now, and I am tired and stressed but still struggling.

I am paid by my day job, and have the ability to pay the proposed new mortgage that NACA has submitted. I believe I have a predatory loan, and just last week I sent in a Qualified Written Request (QWR), per RESPA law. My loan was originated by Long Beach Mortgage, sold to Washington Mutual, and is now owned by Deutsche Bank and serviced by Chase. I do not like being combative, but I will if I need to. I started this in January, and struggled to keep my mortgage current in the hope that Chase would follow government guidelines and modify places to get loans with bad credit my loan before I had to default.

That does not seem to be in their plan, however, and I am mad. I ask for the bank to follow the guidelines the government has established and modify my loan. My hardship is a direct result of the market collapse, and I am not alone.

They encourage onging contact direct with the servicer.

If this is happening he wants us to call NACA since this should not happen. Of course its like all the HAMP directives not being followed and its very hard to contact folks at NACA. But clearly NACA wants ongoing direct contact with servicers while working with NACA just as before. Okay, so maybe I was trying to play the popularity card. I figured if my congressman saw it he might think there is a chance he could get on Nightline. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

On the Friday night we signed our loan papers, approx. With each document we signed or initialed, she inserted each one in some sort of order within each of these stacks, in other words this was Not a page by page filing of a debt instrument. So what was I unknowingly doing, signing my life away to invest bankers, brokers and securities firms….. You should call the lender and the title service company to tell them of their TILA violations. The loan documents must be notarized by a Notary Public and it must be done in your presence. You have 3 days to back out from the day it was signed.