Personal loans los angeles
When I disputed their claims with a QWR and requested documentation, as well as that they identify fast instant loans the proper owner, I got the run-around. In the last 5 months, Caliber has identified three separate trusts to me, all of which they claim is the entity that purchased my loan from the OC last year. One of these trusts did not even exist yet when the sale took place! They basically blew that one off too--with one important exception. These are forged and fraudulent, and I have been able to prove it beyond doubt. I should hear back from this latest one within the next few days, they tell me. The only other document they provided was a forged lost note affidavit. They claim that this personal loans los angeles came from the original creditor, but it has the wrong account number on it! In the meantime, the other day, I received a letter from them that says, CONGRATULATIONS! You have been approved for a trial modification payment plan! So how could I have been approved for a mod without applying for a mod?
But read the fine print, and it says that they will get this reduction in payment by deferring balance to the end of the loan.
They plan on charging those to me anyways--just with a ton more interest added on.
THEN, it goes on to say that this trial plan is not an approval for a permanent mod! They want me to start paying them, which would give them admissible proof that I agree to owing them money(I dont agree at all). Then, after making those three payments, IF I QUALIFY, they will send me permanent mod papers. And they cannot tell me now what the terms would be... Folks, I know that many of us just want to keep our homes and move on with life. I have no personal loans los angeles intention of trying to skate out on my legit obligation. How many banks have we heard about that foreclosed on the wrong house, or on people that did not deal with their bank!
OR, the guy that got foreclosed by BofA that did not even have a mortgage on his home! A loan modification is a quick way for the banks to get us to shut up and stop asking questions--questions that they normally cannot answer! But if the servicer you are getting a mod with is not the correct servicer, guess what!!
NOT ONE PENNY of the permanent mod payments you spend with them will even go to your mortgage anyways! I have told Caliber, show me the proof that the laws require that you are legally entitled to personal loans los angeles collect on this loan, and I will be happy to talk about options to work this out. There are cases where people were paying Servicer A, and suddenly Servicer X comes along and files foreclosure.
I have even asked Chase to give me the payoff amount and I also ask them to provide me a copy of the original note and deed of Trust, they cannot do it. So when you come to the end of paying off your note and have given your hard earned money to something you thought was yours and the true owner comes into play WHAT THE HELL ARE YOU GOING TO DO!!!!!
They hope you get so frustrated that you will do anything to keep your home and move on with life. I am not an attorney and my comments should not be used as any type of legal advice. Seek your own attorney in your own state to best protect your rights. 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. I believe that the thing too many people overlook is that to truly be able to stay in your home, small cash loans you MUST know who the true holder of the loan really is. Otherwise, you could get a loan mod, and spend years paying the wrong party, only to have someone else just show up one day and declare you in default anyways. Stranger things have happened in the foreclosure fight. Now, look around the country--especially in Florida--at all the court cases where judges have begun dismissing foreclosure complaints because the plaintiff cannot prove that it has standing to bring this action..... Just found out that chase had me in a hamp tier1 mod for 4 yr.
Then recenyly got laid off for 3 months and in that time contacted chase to make arrangements.
Caught up the arears and chase has now booted me over to sps. Sent qwr, contact harp program, pulled out all the original copies from 2006, went to courthouse got certified copies, saving every document they send. Waiting for sps to contact me and see the assignment in the court records before I pay the august note.
Reading everything i can and sick to my stomach and angry at what i have learned. Taking it day by day, while i wait on sec documents and response from qwr fron both chase and sps. God brought me to this, God will get me through this. Why should the entities with whom we contracted be shrouded in mystery and unavailable for negotiation only to have some stranger crawl out Get free mortgage help today. 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.
They do not care to follow the laws because there online payday loans same day is no real bite to those laws. And even if we do pursue it, the penalties are so grossly mismatched that the laws offer no deterrence at all. My interest is in making sure that the proper party is involved.... THEN and ONLY THEN would I consider a loan modification.
It absolutely blows my mind that the personal loans los angeles banks get away with so little in the way of documentation, when everywhere else in the business world, documentation is mandatory. Krafty as you can see it matters more to people to mobile payday loans have an affordable payment than have proper documentation. I fear that I have lost this home cash advance of america to no good scum bags. We tend to just be so thankful for the little crumbs that we get. All I have asked is that my lender prove himself and than we can continue on. If you cannot prove to me you are the one entitled to payment I refuse to pay you. The pain is far more immediate for borrowers like Mr.
Durham, the unemployed car buyer from Binghamton, N. A spokeswoman for Wells Fargo, which declined to comment on Mr. Durham for the debt that still remains after a repossessed car is sold, according to court filings. Few repossessed cars fetch enough when they are resold to cover the total loan, the court documents show. To get the remainder, some lenders pursue the borrowers, which can leave them shouldering debts for years after their cars are gone.
For many years I went around with oh because the bank said so, or oh the insurance company said so, or my dad said so, or my school said so, I was told never to question as I had no reason to believe otherwise, keep every body dumbed down. I know now to question and show proof of everything I do, not just say ok. If I could have just one honest bank (and no more than one honest servicer) for the life of my loan that would be my choice.
So many horror stories out there from people who have NEVER been late on their mortgages and still get sucked into a never ending nightmare by no fault of their own. Now that is a very interesting comment, because the only reason why I am in foreclosure is personal loans los angeles because the servicer had refused to tell me who owns my note, who is holding my note, and what trust (if any) my note is in. Finally, they tell me its WF, 1 hour payday loan direct lender when I ask for proof they sent me a copy of my note copied from my county record with a stamp on it.
I never received notification that my loan was sold, the assignment on my mortgage was made a year and a half after I closed. Funny, I have a document in my closing papers stating that my note would be sold shortly and I will be informed when lend money that happens, that was back in 2008 and I still have not been notified. While I was going through the foreclosure process, I received letters stating that I needed to prove to WF that I had an FHA loan. Hello, if you really do own my note, then you should know that it is an FHA loan. Oh and to think I am going to trust loan servicers after all the nonsense that they were allowed to get away with (and still are) including forging documents, knowingly placing false documents into court and county records, general lying to everyone, fraud, misrepresentation, etc.
Now that is a very interesting comment, because the only reason why I am in foreclosure is because the servicer had refused to tell me who owns my note, who is holding my note, and what trust (if any) my note is in. Finally, they tell me its WF, personal loans los angeles when I ask for proof they sent me a copy of my note copied from my county record with a stamp on it.
I never received notification that my loan was sold, the assignment on my mortgage personal loans los angeles was made a year and a half after I closed. Funny, I have guaranteed bad credit personal loan a document in my closing papers stating that my note would be sold shortly and I will be informed when that happens, that was back in 2008 and I still have not been notified.
While I was going through the foreclosure process, I received letters stating that I needed to prove to WF that I had an FHA loan. Hello, if you really do own my note, then you should know that it is an FHA loan. Oh and to think I am going to trust loan servicers after all the nonsense that they were allowed to get away with (and still are) including forging documents, knowingly placing false documents into court and county records, general lying to everyone, fraud, misrepresentation, etc. You signed a loan agreement, and you have never paid me, so now I will sue you and take your property.
I am going to have to respectfully disagree with this statement.