Hey Cheyenne12,
From what I remember from talking to Need_Help on the phone and I just watched the KCRA interview Need_Help posted. The voices didn't ring a bell. But a strong guess says they are the same age. Oh, well.
Dylanm,
I overlooked your post link. You are right. They're not even registered. I'll post it again for you.
http://ag.ca.gov/loanmod/search_results.php
Openly, still inquiring how USLA is classified. What is the legal class for a "loan fraud investigator"?
I don't mind saying I'm wrong. I'm just asking. So, I'm going to have to say "Foreclosure Consultant"
And going back to...
http://info.sen.ca.gov/cgi-bin/displaycode?section=civ&group=02001-03000&file=2945-2945.11
At the bottom it reads...
2945.11. (a) Any representative, as defined in subdivision (b) of
Section 2945.9, deemed to be the agent or employee or both the agent
and the employee of the foreclosure consultant shall be required to
provide both of the following:
(1) Written proof to the owner that the representative has a valid
current California Real Estate Sales License and that the
representative is bonded by an admitted surety insurer in an amount
equal to at least twice the fair market value of the real property
that is the subject of the contract.
Anybody get those?
Yes, I talked to Simple Guy too. We got nothing to hide. What's he to do? Send private messages to the D.A.'s office or the A.G. telling them we have unhappy customers outside a restaurant with different versions of being happy? Page 16. 4th comment, Need_Help. I never understood it but I still laugh.
Even though he just brought on a lot more suspicion and sped up the complaint process, you got to hand it Need_Help. The guy worked his ### off on making excuses. It's pretty much over. All these stories and comments match up.
Thank you for reading my post -FatMike.
Alethia.now,
I don't know. I just found this.
http://www.scam.com/showthread.php?t=5757
(2) Transfer of Title: ..."The client records a quitclaim deed with the local county recorder's office, which allegedly transfers the borrower's title interests to this trust. However, mortgage agreements between a borrower and a lender generally require the lender's consent before the borrower may transfer his/her title interests."
"Desperate Times Call For Desperate Measures"
1. No contact phone number anywhere to this website.
2. Member as of today.
3. Lives somewhere in the United States.
No problem. I go to about page ten and there's about twelve of you.
Bring back the FBI agent. That's my favorite.
Once again -alethia.now Exactly the same.
Livinglies.com is where I started under -Find a lawyer That "Gets it"
But it all became too much. I thought, "Why do I need the note defense when I'm being told my loan was fraud. How do I file as Pro Se?" At the time, I didn't even know Florida is Judicial and Calif. is Non-Judicial. So I shall play it smart and try to find a lawyer who does both. And Lo and Behold along comes USLA. That newly group corporation of lawyers going after the fraud, the note, and the lenders throat while being affordable. "My Heroes!"
Ya, we'll what good are all these defenses now after the home has been sold off at auction to another bank.
Whom ever is being vindictive sending me "Hi, Steve" In box comments I recieved about 40 ...All I can answer with is...Your dummer than a box of nails. Your just standing there waiting to get HIT.
Here we are March 19th! I said I was going to court today. As we know USLA did nothing for me passing the auction date. I used every defense anyone can think of. Trust me on that. The Judge will just roll their eyes and say time has lapsed. Thanks USLA you cost me everything!
I would say don't bother. The fact remains I had to go back to my brokers office to get a copy of my 1003 Form. "Universal Residential Mortgage Application" They lied about the Incomes and hid the document from your closing papers. My signature is NOT on it. District Attorney says can't get search warrent to gather copies of Tittle/ Escrow papers. Because they could be stored anywhere in the State. Give me a break!
If you can't do the modification then I just don't know what to tell you. Maybe file a TRO on your home immediatley. USLA did nothing. I did the same thing as everyone. I just wanted to see how I got into this so called bad loan last year. So if your me, then you can either modify as a slave or you can get out. It's my assumption State of Calif. is too broke to help anyone.
Last attempt, I left message with my Congress men to call back.
Alredy predicting more excuses.
CAUTION: Even though USLA advertised to stop the foreclosure or said anything different over the phone. It does'nt matter. Contract says their version of an audit. Thats what you got. I'm tired of being mislead lied to and ignored. I'm done!
Like everyone else in need they put on quite a show in the begining. Get the check & contract and do nothing. But they were energetic go getters and I was desperate.
"We work so hard. We started this company in a garage."
Signed up in Sept. Auction date Nov.5th Enough time to atleast file a TRO or Lis Pendens. Called and called. Even sent web link to Reality Trac.com to inform them of auction. Got nothing but don't worry. Your house did'nt sell. Then comes the Unlawful Detainer support excuse
AND CHECK THIS OUT! Got my silly audit DECEMBER. 3rd and a request to start paying a $1, 000. LOL LOL LOL LOL LOL THE HOUSE IS GONE! The whole deal over the phone is to stay in your home and pay them. I did'nt find this site until Feb.
Every lawyer now is $5, 000 down with a who knows how long or how much. FORGET IT! No matter how much proof is discovered. I'M NOT GOING TO SPECULATE ON HOPE & JUSTICE.
I was stuck with American Home Mortgage Servicing, Inc. too.
AMHSI "F" rating BBB
Department of Corporations pulls AMHSI business lic. on Feb. 2009
No more investigating because I can already see the headlines.
"JERRY BROWN SHUTS DOWN USLA"
Victums recieve $10 dollar gift certificate to Wallmart.
alethia.now,
If in California,
If the problem is with the lender go to Department of Corportations. I found it easier to contact them with questions before filing a complaint. They responded fast.
http://www.corp.ca.gov/ENF/default.asp
If the problem is with the loan originator/broker go to Department of Real esate
http://www.dre.ca.gov/cons_complaint.html
Call your Title/Escrow office and request all copies of loan.
Read thru Federal Laws Tittle 12 Banks & Banking Chap 27 & 29 It's gives you an explanation of what docs should be on file and for how long.
http://law.justia.com/us/codes/
Same website just easier to find State codes
http://law.justia.com/index.html
If you discover closing docs don't match up, missing, or unavailable. Then you go to:
http://www.insurance.ca.gov/ under fraud
Not that any of these links will settle matters. But these are your TRUE loan fraud investigators. Sad how I just came across the right direction after all this USLA crap and the house is gone.
Thanks Cheyenne12,
Got my stuff sent out. I think its too soon on contacting dept. of insurance. Your suppose to be filing a claim on what you want. We'll all I wanted for over a year now was for someone to explain the mortgage fraud.
But check this out...
Go back to the link I posted under Federal Laws Tittle 12. Look for Chapter 49 "Home owners Protection" Section 4905
While I was in foreclosure, I reiceved a letter and a call about a default mortgage insurance policy taken out on my loan. I was confused to what it all meant. I put down 20% to avoid the residential mortgage insurance. But now I get it.
Those sneaky lending ### put us in loans guaranteed to fail!
"What! You want a modification. HA! We can't wait to get rid of your ###. We already have a policy taken out on you.
(1) not later than the date on which a loan commitment is made
for the residential mortgage transaction, the prospective mortgagee
shall provide to the prospective mortgagor a written notice--
Anyone get that notice when they closed the loan? Double check what I'm reading under that code.
http://law.justia.com/us/codes/title12/12usc4905.html
I was wrong on that lenders insurance. They take the policy out on you when you stop paying the homeowners insurance. I was just trying to find more dirt on the lenders.
alethia.now, That is a good web site. I used the "unlawful detainer law and foreclosure law collide." Had no defenses left since USLA failed us. And in court those defenses did'nt worked for me. After auction the house is just one big car repo. That's fine. I'm still going after the lender/broker or whom ever that got me in this bad loan. Just going to wait until I get a reply from Dept. of Corps and Dept. of Real estate.
I have to retract what I said. I may be slow but I eventually get it. Of course the lenders didn't take out lenders insurance at the begining of your loan and not tell you. That would be unlawful. They wait until you default and then take it out.
Follow the money...
1st. Your in an Option-Arm, Subprime 80/20 or whatever. A loan you never stood a chance at paying back. Most likely your income was increased behind your back to qualify for the loan.
2nd. You felt the stress and played the game trying to get a modification but the lenders already maid up their minds to get rid of you.
3rd. You default spending money trying to get audits and legal help. -USLA
4th. Lenders take out the lender paid default insurance on you.
5th No buyers/ bottom feeders left to buy your home at auction. So they sell your house to another bank. And the FDIC makes up some of the difference in the lenders losses.
THEY CAN'T LOSE!
http://www.floridamortgagecorp.com/underwriting.htm
Okay Bob. Perhaps your not a broker/loan originator or a lender. But by now you should being seeing the light that happened all across the country. Have you not read Ed Andrews book "BUSTED". Have you not seen Micheal Moores "Capitalism". Here let me help you.
http://www.youtube.com/watch?v=6khYSTqHrqM&playnext_from=TL&videos=FN8x4dxMZVE
http://www.youtube.com/watch?v=ljHjZpC7bnc&playnext_from=TL&videos=uZXpZn_PbBo
http://www.youtube.com/watch?v=_LMV5VTtX1E&feature=related
http://www.youtube.com/watch?v=yDb_Zhry-IY&feature=related
http://www.youtube.com/watch?v=0Y9A0C45KZI&playnext_from=TL&videos=utuEkFU0VgU
Sorry to ask you to read Bob
http://borrowerclaims.blogspot.com/2009_08_02_archive.html
http://www.federalreserve.gov/secrs/2006/august/20060801/op-1253/op-1253_3_1.pdf
http://financialservices.house.gov/media/pdf/110503cc.pdf
Let me know if you need more Bob. You can choose to be civil or you can choose to challenge.
You have to find "The Department of Corportations" to file a complaint.
You have to find "The Department of Corportations" to file a complaint.
You have to find "The Department of Corportations" to file a complaint.
You have to find "The Department of Corportations" to file a complaint. Even if the license had been pulled they are still protected under "The lender mortgage protection Act" You must file a complaint.
You have to find "The Department of Corportations" to file a complaint. Even if the license had been pulled they are still protected under "The lender mortgage protection Act" You must file a complaint.
You have to find "The Department of Corportations" to file a complaint. Even if the license had been pulled they are still protected under "The lender mortgage protection Act" You must file a complaint.
BobtheBuilder- is such a lonley character. Everyone say, " Don't woory Bob we love you."
You have got to see the video "Loan Modification Hell" at:
http://www.loansafe.org/
Today the sheriff pulled up and said, "I hate to do this but it's my job." I shook his hand and introduced myself. I said it's not your fault. These lying brokers, lenders, and wall steet put us in Option-Arm loans we had no chance at ever paying back. They used our self-employed gross incomes behinds are backs and they don't have a signature, nor do they have a copy of the Universal Loan Application at the Tittle Company. I'm out of here April 15th.
Where are you Need_Help? I'm guessing your in Methico by now.
Plus if sign up for petitions at this website, you will get a reply letter from your congress person. It's a little but it's something.
http://www.affil.org/
Yes Margy6901, I strongly recomend starting from the begining and reading all the comments.
Hey alethia.now, I meant to post earlier. My sales rep was also R.S.
gamblingbob99,
Sorry to hear your another victum added to the mortgage fraud. I believe the state and gov. agencies are gathering volume complaints before actions so your complaint does count. This is a copy of what I posted on page 18.
----------------------------------------------------------------------------------------------------
If the problem is with the lender go to Department of Corportations. I found it easier to contact them with questions before filing a complaint. They responded fast.
http://www.corp.ca.gov/ENF/default.asp
If the problem is with the loan originator/broker go to Department of Real esate
http://www.dre.ca.gov/cons_complaint.html
Call your Title/Escrow office and request all copies of loan.
Read thru Federal Laws Tittle 12 Banks & Banking Chap 27 & 29 It's gives you an explanation of what docs should be on file and for how long.
http://law.justia.com/us/codes/
Same website just easier to find State codes
http://law.justia.com/index.html
If you discover closing docs don't match up, missing, or unavailable. Then you go to:
http://www.insurance.ca.gov/ under fraud
Not that any of these links will settle matters. But these are your TRUE loan fraud investigators.
-----------------------------------------------------------------------------------------------------
If you feel wrong doing from USLA
http://ag.ca.gov/consumers/general.php
___________________________________________________
Again, sorry your in this nationwide mess. I was reading this article yesterday.
http://novationmortgage.com/mortgage_fraud.php
The mortgage broker said the client refused to sign a form so he got up and called the FBI while the client was still in the office. We'll great.
I did'nt know we the borrower should of been doing the same back to them for their dirty dealings. As of now, the Dept. of Corps demanded an immediate answer be provided to them and myself. And if my lenders response is justifable and Dept. of Corps makes no recommendation then sure I'll be filing a complaint with the FBI. We don't give up.
