Hello Carol and other CitiMortgage customers that have had their rights violated by Citi,
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi, Bank of America, Chase and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, GreenTree, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Citi but I commend you for asserting your rights...too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is taking it outside of Citi to government agencies that will actually fight for your rights on your behalf by simply submitting a complaint after a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show yesterday if you would like to listen, visit www.TheDailyComplaint.com
In addition to the CFPB, let me bring your attention to The National Association of Insurance Commissioners (NAIC), which is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories.
The mission of the NAIC is to assist state insurance regulators, individually and collectively, in serving the public interest and achieving the following fundamental insurance regulatory goals in a responsive, efficient and cost effective manner, consistent with the wishes of its members:
~ Protect the public interest;
~ Promote competitive markets;
~ Facilitate the fair and equitable treatment of insurance consumers;
~ Promote the reliability, solvency and financial solidity of insurance institutions; and
~ Support and improve state regulation of insurance.
The last thing I would like to shed light on is that you do have rights and options to avoid foreclosure while holding Citi accountable for their actions but the way you go about it will make all the difference in the results achieved. With that said, the foreclosure process that was started began because you did not pay your mortgage giving Citi more leverage to use against you unfortunately. By not paying your mortgage, you lost some of your leverage against Citi when what should have happened is that you held them accountable for their lies and withholding the insurance payment after the approvals and requirements were met.
As for your impending foreclosure, you also have rights in that arena to restructure your debt but you will have to go through the RMA process with Citi to bring your mortgage current; you can always refinance at a later time and get rid of Citi altogether but since they are under great scrutiny right now after settling their most recent lawsuit, you might want to put some pressure on Citi to modify your mortgage given they broke insurance laws and violated your rights (leverage to be used to turn the tides in your favor). It truly is a strategic game of chess and the one who plays it best wins...sad but true!
You can contact me via email at Dana@ConsultingEND.com or via our website at www.ConsultingEND.com or via our show page www.TheDailyComplaint.com as I would be more than happy to contact Citi on your behalf to uncover all options for you...at no charge to you.
My firm, END Consulting, is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over a hundred clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for you or anyone reading this as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com (all contact info below). I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Dana Shafman
Managing Member/Owner
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello Alicia Washington, Angeliab1969, suesls & lee Wilson7;
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi, Bank of America, Chase and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, GreenTree, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the unfair, deceptive and abusive practices of SLS but I commend you for joining forces to fight SLS...too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is taking it outside of SLS to government agencies that will actually fight for your rights on your behalf by simply submitting a complaint after a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com
Alicia, the Making Home Affordable (MHA) program needs to do just that...make your mortgage loan affordable and if SLS did not then you need to challenge the modification as "not affordable" and "not keeping in line with the program". Given current interest rates at around 4% for a 30-year fixed, SLS should be able to dramatically lower your payments and stretch out your term to make it affordable. As for the question about late fees being waived, you are right and here is a link for you to challenge it via HUD: http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/nsc/faqlm.
Angeliab1969 and suesls, it is a violation of your consumer rights under the Dodd-Frank Wall Street Reform and Consumer Protection Act to not posts mortgage payments in a timely manner as well as to escalate foreclosure if there are any issues on the loan as stated by the CFPB website: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/. You do have rights and in order to assert those rights you will need to put your complaints in writing via a QWR to include asking specific questions that you would like SLS to answer (payment posting, uncertain fees, increased escrow, etc); they are prohibited by Federal law from escalating any foreclosure activity until the QWR is answered.
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact SLS on your behalf to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello Pizza Joe and other ASC WFHM violated homeowners,
Can I first say that there are multiple consumer rights violations under Federal law that I found in the short sentences above! I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi, Bank of America, Chase and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the unfair, deceptive and abusive practices of ASC (WFHM) but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is taking it outside of ASC to government agencies that will actually fight for your rights on your behalf by simply submitting a complaint after a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com. First, let me point out that ASC has violated your right to a "Fair Review Process" as afforded you under the CFPB and RESPA (Dodd-Frank). Also, ASC has violated the Federal "dual-tracking" laws that state, "Under the CFPB's new rules, dual-tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure - is restricted". Lastly but probably not the end of the violation list with deeper digging, ASC has violated your right to exhaust all other options prior to foreclosure and the "no surprises" law that states that borrowers "shouldn't be surprised by the start of the foreclosure proceeding until they have had time to explore all other options."
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact ASC (WFHM) on your behalf to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello violated Wells Fargo Home Mortgage (ASC) customers,
While I am sorry for the abuse that you have ALL suffered at the hands of WFHM (ASC), it is not surprising as we are dealing with WFHM (ASC) in our office on a daily basis for clients that have experienced the exact same issues that you all have stated in your valid complaints. Can I say that there are multiple consumer rights violations under Federal law that I found in the all of your complaints and I am on a mission to educate consumers on their consumer rights!
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi, Bank of America, Chase and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the unfair, deceptive and abusive practices of WFHM (ASC) but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is taking it outside of ASC to government agencies that will actually fight for your rights on your behalf by simply submitting a complaint after a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com.
First, let me point out that ASC has violated your right to a "Fair Review Process" as afforded you under the CFPB and RESPA (Dodd-Frank). Also, ASC has violated the Federal "dual-tracking" laws that state, "Under the CFPB's new rules, dual-tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure - is restricted". Lastly but probably not the end of the violation list with deeper digging, ASC has violated your right to exhaust all other options prior to foreclosure and the "no surprises" law that states that borrowers "shouldn't be surprised by the start of the foreclosure proceeding until they have had time to explore all other options."
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact WFHM (ASC) on your behalf to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello Aldith,
While I am sorry for the abuse that you have suffered at the hands of Nationstar, it is not surprising as we are dealing with Nationstar in our office on a daily basis for clients that have experienced the exact same issues that you have stated in your valid complaint. Can I say that there are multiple consumer rights violations under Federal law that I found in your complaints and I am on a mission to educate consumers on their consumer rights!
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi, Bank of America, Chase and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive practices of Nationstar but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is taking it outside of Nationstar to government agencies that will actually fight for your rights on your behalf by simply submitting a complaint after a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com.
Let me first point out that Nationstar has violated your right to a "Fair Review Process" as afforded you under the CFPB and RESPA (Dodd-Frank). Also, Nationstar has violated a plethora of Federal consumer protection laws afforded you under the CFPB and Dodd-Frank to include the “no runarounds” mandate implemented this year on January 10, 2014. Lastly but probably not the end of the violation list with deeper digging, Nationstar has violated your right to exhaust all other options prior to foreclosure and the "no surprises" law that states that borrowers "shouldn't be surprised by the start of the foreclosure proceeding until they have had time to explore all other options."
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Nationstar on your behalf to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone reading this as we always offer FREE consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for FREE to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello Michelle,
We have actually successfully dealt with this exact situation in our office just as you have stated above and we WON! Our client came in with the exact same situation as you have stated but with an enormous escrow shortage warranting a $300 per month increase in her escrow or 3 times the current amount, which is not legal or ethical...Ocwen is the worst! While I am sorry for the abuse that you have suffered at the hands of Ocwen, it is not at all surprising as we are dealing with Ocwen in our office on a daily basis for many, many clients that have experienced the exact same issues that you have stated in your valid complaint. Can I say that there are multiple consumer rights violations under Federal law that I found in your complaints and I am on a mission to educate consumers on their consumer rights!
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi, Bank of America, Chase and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive practices of Ocwen but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is putting it in writing, along with your escrow statements for taxes and insurance, in the form of a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com.
Let me first point out that Ocwen has violated your rights under the "No Surprises" section of the CFPB's new mortgage servicing rules as afforded you under the CFPB and Dodd-Frank. Ocwen has also violated a plethora of other Federal consumer protection laws afforded you under the FDCPA, CFPB and Dodd-Frank to include the “no runarounds” mandate implemented this year on January 10, 2014. Here is a link to the CFPB's new mortgage servicing rules http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Ocwen on your behalf to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone reading this as we always offer FREE consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for FREE to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello JNorton2802,
While I am sorry for the abuse that you have suffered at the hands of Bayview, it is not surprising as we have had the unfortunate pleasure of dealing with Bayview in the past for clients that have experienced the same or similar mortgage servicing issues that you have stated in your valid complaints to include CFPB violations for payments not being promptly and properly credited, restricted dual-tracking, fair review process, no runarounds, notification of foreclosure alternatives and most importantly; refusal to provide payoff statements when requested. Can I say that there are multiple consumer rights violations under Federal law that I found in your complaints and I am on a mission to educate consumers on their consumer rights.
We have successfully dealt with these exact situations in our office just as you have stated above and we were able to successfully assert the rights of our clients! I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Bank of America, Chase, Citi and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Bayview but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR and submitting a formal complaint to the CFPB for immediate response; Bayview only have seven (7) business days under the CFPB to respond to your payoff request. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaints on the show today if you would like to listen, visit www.TheDailyComplaint.com.
Let me point out that Bayview has violated your rights under the "No Runarounds" section of the CFPB's new mortgage servicing rules as afforded you under the CFPB and Dodd-Frank. Here is a link to the CFPB's new mortgage servicing rules http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Bayview on your behalf to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted hundreds of clients in the past year alone in achieving desired results with regards to their mortgage loan(s) to secure ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone reading this as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating thousands of consumers on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello Dannieshoe,
We have successfully dealt with these exact Nationstar situations in our office just as you have stated above and we were able to successfully assert the rights of our clients!
While I am sorry for the abuse that you have suffered at the hands of Nationstar, it is not surprising as we have the unfortunate pleasure of dealing with Nationstar on a daily, if not hourly, basis for our clients that have experienced the same or similar mortgage servicing issues that you have stated in your valid complaints to include CFPB violations for payments not being promptly and properly credited, restricted dual-tracking, fair review process, no runarounds, notification of foreclosure alternatives and most importantly; refusal to provide mortgage statements when requested as required by law. Can I say that there are multiple consumer rights violations under Federal law that I found in your complaints and I am on a mission to educate consumers on their consumer rights.
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Bank of America, Chase, Citi and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Nationstar but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR and submitting a formal complaint to the FTC or CFPB for immediate response; it’s sad that it takes regulatory muscle to affect change but it is true.
My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaints on the show today if you would like to listen, visit www.TheDailyComplaint.com.
Let me point out that Nationstar has violated your rights under the "No Runarounds" section of the CFPB's new mortgage servicing rules as afforded you under the CFPB and Dodd-Frank Act as well as the “No Surprises” rules. Here is a link to the CFPB's new mortgage servicing rules http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Nationstar on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted hundreds of clients in the past year alone in achieving desired results with regards to their mortgage loan(s) to secure ethical, legal and affordable mortgage solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone reading this as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating thousands of consumers on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello JDHICKLEN,
We have successfully dealt with these exact Ocwen situations in our office just as you have stated above and we were able to successfully assert the rights of our clients and put them in a position for HAMP!
While I am sorry for the abuse that you have suffered at the hands of Ocwen, it is not surprising as we have the unfortunate pleasure of dealing with Ocwen on a daily, if not hourly, basis for our clients that have experienced the same or similar mortgage servicing issues that you have stated in your valid complaints to include CFPB violations for payments not being promptly and properly credited, restricted dual-tracking, fair review process, no runarounds, notification of foreclosure alternatives and most importantly; unfair, deceptive and abusive acts and practices (UDAAP). Can I say that there are multiple consumer rights violations under Federal law that I found in your complaints, to include FDCPA violations, and I am on a mission to educate consumers on their consumer rights.
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Bank of America, Chase, Citi and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Ocwen but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR and submitting a formal complaint to the FTC or CFPB for immediate response; it’s sad that it takes regulatory muscle to affect change but it is true. Also, Ocwen should have advised you that you could write a Letter of Explanation (LOE) to provide you with additional time in which to receive the SSA information, but they didn’t, which warrants a QWR in and of itself.
My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaints on the show today if you would like to listen, visit www.TheDailyComplaint.com.
Let me point out that Ocwen has violated your rights under the "Strong Protections for Struggling Borrowers" section of the CFPB's new mortgage servicing rules as afforded you under the CFPB and Dodd-Frank Act. Here is a link to the CFPB's new mortgage servicing rules http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Ocwen on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted hundreds of clients in the past year alone in achieving desired results with regards to their mortgage loan(s) to secure ethical, legal and affordable mortgage solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone reading this as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating thousands of consumers on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello Timothy44, Pandora17 and Eileen Fallon;
We are successfully dealing with these exact issues in our office just as you have stated above and we have been able to successfully assert the rights of our clients!
While I am sorry for the abuse that you have suffered at the hands of Nationstar, it is not surprising as we are literally dealing with Nationstar in our office on a daily basis for clients that are experiencing the exact same issues (especially on Bank of America to Nationstar loans) that you have stated in your valid complaints to include CFPB violations for payments not being promptly and properly credited, restricted dual-tracking, fair review process, no runarounds, notification of foreclosure alternatives and most importantly; FDCPA violations for lies told by mortgage servicers and mortgage lenders (to include lying about “trial modification” programs turning permanent). Can I say that there are multiple consumer rights violations under Federal law that I found in your complaints and I am on a mission to educate consumers on their consumer rights.
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Bank of America, Chase, Citi and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SAPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Nationstar (and Bank of America for that matter) but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaints on the show if you would like to listen, visit www.TheDailyComplaint.com.
Let me first point out that Nationstar has violated your rights under the "Strong Protections for Struggling Borrowers" section of the CFPB's new mortgage servicing rules as afforded you under the CFPB and Dodd-Frank. Nationstar has also violated a plethora of other Federal consumer protection laws afforded you under the CFPB and Dodd-Frank to include the “no runarounds” mandate implemented this year on January 10, 2014. Here is a link to the CFPB's new mortgage servicing rules http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Nationstar on your behalf to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted hundreds of clients in the past year alone in achieving desired results with regards to their mortgage loan(s) to secure ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone reading this as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating thousands of consumers on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hello Michelle and Lisa,
While I am sorry for the abuse that you both have suffered at the hands of Nationstar, it is not surprising as we have the unfortunate pleasure of dealing with Nationstar on a daily, if not hourly, basis for our clients that have experienced the same or similar mortgage servicing issues that you have stated in your valid complaints to include CFPB violations for payments not being promptly and properly credited, restricted dual-tracking, fair review process, no runarounds, notification of foreclosure alternatives and most importantly; unfair, deceptive and abusive acts and practices (UDAAP). Can I say that there are multiple consumer rights violations under Federal law that I found in your complaints and I am on a mission to educate consumers on their consumer rights.
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Bank of America, Chase, Citi and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, Green Tree, Bayview, Caliber, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Nationstar but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR and submitting a formal complaint to the FTC or CFPB for immediate response; it’s sad that it takes regulatory muscle to affect change but it is true. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaints on the show today if you would like to listen, visit www.TheDailyComplaint.com.
Let me point out that Nationstar has violated your rights under the "Strong Protections for Struggling Borrowers" section of the CFPB's new mortgage servicing rules as afforded you under the CFPB and Dodd-Frank Act. Here is a link to the CFPB's new mortgage servicing rules http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Nationstar on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
Hi Elizabeth,
I have to say that I giggled just a little at your complaint due to the sheer ridiculousness of Green Tree but I also realize the seriousness of it too and that it is no laughing matter. I've had many dealings with Green Tree and the ridiculousness is almost always present.
While I am sorry for the abuse that you both have suffered at the hands of Green Tree, it is not surprising as we have the unfortunate pleasure of dealing with Green Tree in the past as stated above and they are anything but compliant with consumer rights. They certainly can't refuse to take your payment simply because they don't like the "tone" of your voice...could you imagine if we actually gave them that kind of power?
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Bank of America, Chase, Citi and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, Green Tree, Bayview, Caliber, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Green Tree but I commend you for stating your grief with Green Tree in order to assert your consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR and submitting a formal complaint to the FTC or CFPB for immediate response; it’s sad that it takes regulatory muscle to affect change but it is true. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaints on the show today if you would like to listen, visit www.TheDailyComplaint.com.
Green Tree is clearly wrong in their behavior, regardless of acting as a debt collector or a mortgage servicer, and they have violated your consumer rights. Here is a link to the CFPB's new mortgage servicing rules for review http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information at www.TheDailyComplaint.com) as I would be more than happy to contact Green Tree on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
Every new beginning comes from some other beginning's END
Hello distressed Selene Finance mortgage holders,
WOW, there are some truly unbelievable things that are occurring over there at Selene Finance and I am truly sorry to hear all that you have been put through at your expense. While I am sorry for the abuse that you all have suffered at the hands of Selene, it is not surprising as we have the unfortunate pleasure of dealing with Selene Finance in the past and they are anything but compliant with consumer rights laws and regulations as evidenced by your complaints above.
I routinely look for posts to answer in hopes that it will not only bring hope and optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Bank of America, Chase, Citi and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, Green Tree, Bayview, Caliber, Selene, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Selene but I commend you for stating then sharing your grief with Selene and other customers in order to assert your consumer and constitutional rights! With that said, many of you have overlooked a key aspect to your fight, which is putting it in writing in the form of a proper QWR and submitting a formal complaint to the FTC or CFPB or HUD or any other regulatory agency for immediate response; it’s sad that it takes regulatory muscle to affect change but it is true. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaints on the show today if you would like to listen, visit www.TheDailyComplaint.com.
Selene is clearly wrong in their behavior, regardless of acting as a debt collector or a mortgage servicer, and they have violated all of your consumer rights. Here is a link to the CFPB's new mortgage servicing rules http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information at www.TheDailyComplaint.com) as I would be more than happy to contact Selene on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
Every new beginning comes from some other beginning's END
Sincerely,
Dana
Hello Dan, DavisD, and other violated Green Tree customers;
While I am sorry for the abuse that you ALL have suffered at the hands of Green Tree Servicing, it is not surprising as we have the unfortunate pleasure of dealing with Green Tree on a daily basis for our clients that have experienced the same or similar current or delinquent mortgage servicing abuses that you have stated in your valid complaints to include CFPB violations for payments not being promptly and properly credited, restricted dual-tracking, fair review process, no runarounds, notification of foreclosure alternatives, refusal to provide payoffs and most importantly; unfair, deceptive and abusive acts and practices (UDAAP). Can I say that there are multiple consumer rights (and constitutional rights) violations under Federal law that I found in all of your complaints and I am on a mission to educate consumers on their consumer and constitutional rights.
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated. You CAN win this fight!
It pains me that you all (including Don and DavidD) have fallen victim to the illegal, unfair, deceptive and abusive acts and practices of Green Tree, but I also commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights. Green Tree, like may of the large mortgage servicers, are under greater and heightened scrutiny now per the reported wrongdoing this year and in the past so this is an excellent time to assert your consumer and constitutional rights!
With that said, you have overlooked a key aspect to your fight, which is putting your valid objections and servicing abuses in writing in the form of a proper QWR and attaching proof your consumer and Constitutional rights; they have certainly been violated in this case as I see it. All of the mortgage lending and debt collection companies, including Green Tree Servicing, MUST answer your Qualified Written Requests (QWR) and if they refuse to then you take your fight to all the regulatory agencies outside of Green Tree that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.
We would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
You can learn more by visiting the CFPB's website and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Let me point out that Green Tree has violated your rights under the CFPB's new mortgage servicing rules as afforded you via the Dodd-Frank Act. Here is a link to the new rules: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Green Tree on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Hello S.Y. Sanger and all other violated Nationstar customers,
We cannot thank you enough S.Y. Sanger for not only levying your complaint against Nationstar Mortgage in an effort to hold them accountable for their actions, but also for doing it in a public forum to help others accompanied by a solid avenue (CFPB) for mortgage relief for homeowners and borrowers…great job! You have turned your lemons into lemonade and have most likely picked up some valuable consumer rights education in the process that will serve you well for the remainder of your life. You MUST know your consumer rights to assert them and achieve desired results!
While I am sorry for the abuse that you ALL have suffered at the hands of Nationstar Mortgage, it is not surprising as we have the unfortunate pleasure of dealing with Nationstar on an hourly basis it seems for our clients that have experienced the same or similar current or delinquent mortgage servicing abuses to include CFPB violations for payments not being promptly and properly credited, restricted dual-tracking, fair review process, no runarounds, notification of foreclosure alternatives, refusal to provide payoffs and most importantly; unfair, deceptive and abusive acts and practices (UDAAP).
I routinely look for posts to answer in hope that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated. You CAN win this fight!
With that said, you have provided a variety of wonderful options for homeowners and borrowers for relief in your posting but there are also so many more options available to borrowers and homeowners as follows for relief and action:
FTC
http://www.consumer.ftc.gov/articles/0194-trouble-paying-your-mortgage
HUD/FHA
http://portal.hud.gov/hudportal/HUD?src=%2Fprogram_offices%2Fhousing%2Fsfh%2Ffharesourcectr
FBI
http://www.fbi.gov/about-us/investigate/white_collar/mortgage-fraud
USDOT
http://www.treasury.gov/press-center/press-releases/Pages/tg1065.aspx
RESPA
http://portal.hud.gov/hudportal/HUD?src=%2Fprogram_offices%2Fhousing%2Framh%2Fres%2Frespamor
FDIC
https://www.fdic.gov/consumers/consumer/rights/
We would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
You can learn more by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. At a minimum, Nationstar has most likely violated your rights under the CFPB's new mortgage servicing rules (RESPA/TILA) as afforded you via the Dodd-Frank Act. Here is a link to the new rules: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Nationstar Mortgage on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Hello Putt79,
While I am sorry for the abuse that you have suffered at the hands of Selene Finance after your mortgage was transferred from Bank of America, you might be surprised to learn just how easy it is to fix a problem of this nature. In order to resolve your issues, you simply need to prepare a Qualified Written Request (QWR) and attach both the modification agreement along with proof of payment per the modified terms to Selene Finance as well as the CFPB.
You have overlooked a key aspect to your fight, which is putting your valid objections and servicing abuses in writing in the form of a proper QWR and attaching proof your consumer and Constitutional rights; they have certainly been violated in this case as I see it. All of the mortgage lending and debt collection companies, including Selene Finance, MUST answer your Qualified Written Requests (QWR) and if they refuse to then you take your fight to all the regulatory agencies outside of Selene that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Selene, SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated. You CAN win this fight!
We would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
You can learn more by visiting the CFPB's website and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Let me point out that Green Tree has violated your rights under the CFPB's new mortgage servicing rules as afforded you via the Dodd-Frank Act. Here is a link to the new rules: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Selene on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Dear dlib, badmortgageco and other violated Chase borrowers;
While I find it downright criminal that JPMorgan Chase and other mortgage servicers routinely engage in unfair and abusive, if not illegal, business practices; rectifying these issues are extremely easy if you do two (2) things:
1. Assert your consumer rights using a QWR
2. File a complaint with the appropriate regulatory and government agencies that enforce your rights
We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Chase that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated. You CAN win this fight!
Thank you dlib for shedding light for homeowners and borrowers in your situation with regard to the fact those consumers can go to the CFPB (www.consumerfinance.gov) to file a complaint. With that said, you have overlooked the key aspect to your fight, which is putting your objections in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights; they have certainly been violated in this case since Chase has not only refused payment but also lied about the status of your payment.
A QWR is an integral tool in getting what you desire and all of the aforementioned mortgage lending and debt collection companies MUST answer your Qualified Written Requests (QWR); if they refuse then you take your fight to all the regulatory agencies outside of Chase that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.
My firm and me would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
You can learn more by visiting the CFPB's website and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules and stronger rules are forthcoming: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as me and my staff would be more than happy to contact Chase on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Dear Karim18 and other violated CitiMortgage customers,
The actions of CitiMortgage are not only inexcusable but repulsive as they are actually causing you to fall further behind on your mortgage after simply asking to skip a payment…the exact definite of Unfair Deceptive Abusive Acts and Practices (UDAAP), which are forbidden in the industry! In my opinion, it is illegal what they have done to you and your solution should include, at a minimum, a lower rate or a principal reduction or a waiving of fees.
We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated. You CAN win this fight!
Thank you as I commend you for taking the first step in asserting your consumer and constitutional rights by complaining about the situation, both with Citi internally and beyond, in an effort to shed light on the abuse and encourage change. With that said, you have overlooked the key aspect to your fight, which is putting your objections in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights that have been violated; they have certainly been violated in this case since Citi has not only refused payment but also lied about the status of your payment, payment options, and more (FDCPA violation).
A QWR is an integral tool in getting what you desire and all of the aforementioned mortgage lending and debt collection companies MUST answer your Qualified Written Requests (QWR); if they refuse then you take your fight to all the regulatory agencies outside of Citi that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.
My firm and me would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
You can learn more by visiting the CFPB's website and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email or via the website or via phone (full contact information is below) as I would be more than happy to contact Citi on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Dear Jim and other violated Nationstar customers,
The fact that Nationstar Mortgage is not only blatantly breaking the very rules that protect you as a consumer but also ignoring your proof of insurance is not only absurd but egregious and abhorrent…the exact definite of Unfair Deceptive Abusive Acts and Practices (UDAAP), which are forbidden in the industry! Nationstar is violating rules governing force-placed insurance or FPI that went into effect on January 10, 2014.
You can learn more by visiting the CFPB's website and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.
Thank you as I commend you for taking the first step in asserting your consumer and constitutional rights by complaining about the situation, both with Nationstar internally and beyond, in an effort to shed light on the abuse and encourage change. With that said, you have overlooked the key aspect to your fight, which is putting the violations and abuse in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights that have been violated; they have certainly been violated in this case per your complaint.
A QWR is an integral tool in getting what you desire and all of the aforementioned mortgage lending and debt collection companies MUST answer your Qualified Written Requests (QWR); if they refuse then you take your fight to all the regulatory agencies outside of Nationstar that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.
My firm and me would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
As mentioned above, you can learn more by visiting the CFPB's website and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email or via the website or via phone (full contact information is below) as I would be more than happy to contact Nationstar on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Dear 1RabidRabbit,
I am so sorry that you have been a victim of Nationstar Mortgage as it is easy to see that your consumer rights have been violated at a minimum not to mention your constitutional rights most likely. It is unfortunate that Nationstar does not patrol their own yard so to speak but I can assure you that there is assistance out there for you outside the walls of Nationstar as outlined below.
Furthermore and in my personal opinion, I believe that you get better and swifter results using regulatory and government pressure versus a lawsuit that Nationstar is already prepared to fight; in essence, you catch Nationstar off guard by going around them and basically beat them at their own game. Unfortunately, it is a game and you will need to arm yourself with knowledge and the appropriate documentation in order to achieve the desired results.
The fact that Nationstar Mortgage is not only blatantly breaking the very rules that protect you as a consumer but also falsely denying your mortgage assistance requests is not only absurd but egregious and abhorrent…the exact definition of Unfair Deceptive Abusive Acts and Practices (UDAAP). Nationstar is at a minimum violating your consumer rights and laws governing mortgage servicing behavior that went into effect on January 10, 2014.
You can learn more by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.
Thank you as I commend you for taking the first step in asserting your consumer and constitutional rights by complaining about the situation in an effort to shed light on the abuse and encourage change. With that said, you have overlooked the key aspect to your fight, which is putting the violations and abuse in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights that have been violated; they have certainly been violated in this case per your posted complaints.
A QWR is an integral tool in getting what you desire and all of the aforementioned mortgage lending and debt collection companies MUST answer your Qualified Written Requests (QWR); if they refuse then you take your fight to all the regulatory agencies outside of Nationstar that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.
I would be more than happy to educate you as to how to fight for your rights as my firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
As mentioned above, you can learn more by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email, web or phone (full contact information is below) as I would be more than happy to answer your questions and point you in the right direction. It is never too late to save your home...
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Dear Deborah and other violated Bayview customers,
First let me apologize on behalf of Bayview Loan Servicing as their unfair and abusive servicing of your mortgage loan not only violates your consumer rights (Bayview is still at this time violating your consumer rights) but should be considered abhorrent as well since the only option provided to you by Bayview was to execute a Deed-in-Lieu - benefitting only Bayview - versus providing you with ALL the options that Bayview is legally supposed to provide to you per the FTC, CFPB, RESPA and Dodd-Frank Act (at a minimum) as a mortgage servicer.
It is not too late to fight for your rights but it would behoove you to begin immediately. Furthermore and if you have not yet competed a MHA HAMP application, I would advise that you do so immediately and submit it to Bayview via email or fax to prevent the escalation of foreclosure; follow this link to get started: http://www.makinghomeaffordable.gov/programs/lower-payments/Pages/hamp.aspx.
You can learn more about your consumer rights and the responsibilities of Bayview as a mortgage servicer by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Bayview, SPS, SLS, Green Tree, ASC, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.
Thank you as I commend you for taking the first step in asserting your consumer and constitutional rights by complaining about the situation in an effort to shed light on the abuse and encourage change. With that said, you have overlooked the key aspect to your fight, which is putting the violations and abuse in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights that have been violated; they have certainly been violated in this case per your posted complaints.
A QWR is an integral tool in getting what you desire and all of the aforementioned mortgage lending and debt collection companies MUST answer your Qualified Written Requests (QWR); if they refuse then you take your fight to all the regulatory agencies outside of Nationstar that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.
I would be more than happy to educate you as to how to fight for your rights as my firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
As mentioned above, you can learn more by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email, web or phone (full contact information is below) as I would be more than happy to answer your questions, Call Bayview with you and/or point you in the right direction.
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Hello Nogovsupport and other violated Ocwen customers,
First let me apologize on behalf of Ocwen Loan Servicing as their unfair and abusive servicing of your mortgage loan violates your consumer rights with their continued refusal to provide information; Ocwen is required to provide to you with requested mortgage loan information, especially regarding escrow, per the FTC, CFPB, RESPA and Dodd-Frank Act (at a minimum) as a mortgage servicer.
It is not too late to fight for your rights but you will have to first get familiar with your consumer rights. You can learn more about your consumer rights and the responsibilities of Ocwen as a mortgage servicer by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Bayview, SPS, SLS, Green Tree, Selene, ASC, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.
Thank you as I commend you for taking the first step in asserting your consumer and constitutional rights by complaining about the situation in an effort to shed light on the abuse and encourage change. With that said, you have overlooked the key aspect to your fight, which is putting the violations and abuse in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights that have been violated; they have certainly been violated in this case per your posted complaints.
A QWR is an integral tool in getting what you desire and all of the aforementioned mortgage lending and debt collection companies MUST answer your Qualified Written Requests (QWR); if they refuse then you take your fight to all the regulatory agencies outside of Ocwen that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.
I would be more than happy to educate you as to how to fight for your rights as my firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
As mentioned above, you can learn more by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
In the event you have further questions, you can contact me via email, web or phone (full contact information is below) as I would be more than happy to answer your questions, call Ocwen with you and/or point you in the right direction.
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Dear docdeb and other homeowners fighting for your rights,
While I realize that it may seem that you are alone since the courts are all too disinterested in helping homeowners fight the banks to address the egregious and abhorrent mortgage servicing practices of many like Ocwen, Nationstar, ASC, SLS, SPS, Bank of America, Wells Fargo, CitiMortgage, and yes, PHH mortgage...you are not alone! Believe it or not, there are many avenues for homeowners just like you docdeb and I would recommend fighting for your rights outside of PHH and you can start with the CFPB at http://www.consumerfinance.gov.
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like PHH, SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated. You CAN win this fight!
It is not too late to fight for your rights but you will have to first get familiar with your consumer rights. You can learn more about your consumer rights and the responsibilities of PHH as a mortgage servicer by visiting the CFPB's website and becoming educated about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/
Thank you as I commend you for taking the first step in asserting your consumer and constitutional rights by complaining about the situation in an effort to shed light on the abuse and encourage change. With that said, many overlook the key aspect of the fight, which is putting the violations and abuse in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights that have been violated.
I would be more than happy to educate anyone interested on how to fight for your rights as my firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com
In the event you have further questions, you can contact me via email, web or phone (full contact information is below) as I would be more than happy to answer your questions, call PHH with you and/or point you in the right direction.
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
[protected]
Dana@ConsultingEND.com
TheDailyComplaint.com
Hi DebbieRising,
You have rights and they are being violated by WFHM...period. Check out the CFPB's website and here is a link to your basic consumer rights via the CFPB's website ConsumerFinance.gov - http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/. You may also want to visit the FTC with regard to debt collection at FTC.gov to understand debt collection laws and your rights (they cannot harass you or lie to you).
Without knowing the in's and out's of your situation, you DO NOT NEED a short sale and you should qualify for mortgage assistance if you are behind or are in imminent danger of falling behind per the MHA HAMP website MakingHomeAffordable.gov (do not let any lawyers or loan officers above bait you into something you do not need.
We reviewed your complaint on our radio show this morning called "The Daily Complaint" and we put together an attack strategy for you on the show - you can listen for FREE by simply going to TheDailyComplaint.com as you do not need to pay anyone to cure the default and abuses/violations that you have suffered at the hands of WFHM.
Please feel free to contact me if you need additional help as we never charge to speak with you and certainly not to point you in the direction for success. You can fight WFHM and win, just know that, but you must know your rights in order to assert them and the CFPB is an excellent place to start to get educated.
Good luck!
Respectfully,
Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com
Hi EMSR,
Wells Fargo Home Mortgage (WFHM) is known for violating the rights of their clients and consumers in general but you do not have to sit back and take it! You have so many consumer rights and consumer protections under the FDCPA and the CFPB and the FTC and RESPA with regard to your complaint and it only takes a few minutes to submit the complaints online to the CFPB (consumerfinance.gov) and FTC (ftc.gov).
With that said, I would also encourage you to read through the MHA HAMP Program eligibility because you DO NOT meet the eligibility requirements solely because you purchased your home AFTER January 1, 2009. That does not mean that there are no solutions available to you to restructure your debt with WFHM but that does mean that you need to seek solutions that fit your situation like an in-house modification or a forbearance agreement (just a couple examples) as both are not only available but viable options to bring your mortgage current again.
We covered your complaint on our radio show "The Daily Complaint" and provided a pathway for success to include how to contact the CFPB and FTC - thank you for posting your complaint online so that others will have the opportunity to learn from the wrongdoing that you have experienced at the hands of WFHM. There are firm rules in place with regard to assisting struggling homeowners and borrowers in order to retain your home but you must know your rights in order to assert your rights.
I would suggest contacting WFHM and addressing the options that exist for you, but if that does not bear any fruit, then you may want to escalate your complaints to the CFPB and the FTC at a minimum in order to achieve your desired results.
As stated above, we covered your complaint on "The Daily Complaint" radio show, so listen to us address your complaint on The Daily Complaint and contact us if you need further information on how to not only attack your problem but to get the solutions that you are seeking.
Good luck!
Respectfully,
Dana Shafman
END Consulting
Dana@ConsultingEND.com
www.TheDailyComplaint.com
