Feb
19
America is Being Stolen, One Piece of Land At A Time… Who Is The Wizard Behind The Curtain?
America is Being Stolen, One Piece of Land At A Time…Who Is The Wizard Behind The Curtain? A sane person would think that if parties were going to be throwing millions of people out of their homes and into the streets, collecting hundreds of millions of dollars in the process and performing the single largest … Read more
Related posts:
Feb
19
Ed DeMarco | Meet the Man Standing in the Way of Fixing the Economy
Ever heard of Ed DeMarco? Most people don’t know the name of the career bureaucrat who serves as Acting Director of the Federal Housing Finance Agency and oversees Fannie Mae and Freddie Mac. Between the two, Fannie and Freddie own or guarantee over half the mortgages in the country, making Ed DeMarco the most powerful … Read more
Related posts:
Feb
17
DWS: Hey, it’s government’s job to impose their values on people, or something
Queen of Irony?
Debbie Wasserman Schultz wants people to know that she opposes the imposition of values onto others … when relationships are voluntary. In an interview with Megyn Kelly at Fox caught by Doug Powers at the Boss Emeritus’ site, the DNC chair denounces employers who impose their values by, er, deciding whether or not to pay [...]
Feb
15
Fixing the "Fixed" Forms
Two weeks ago, I blogged about the Forms Modernization Project's effort to create new forms specifically for consumer bankrupts. The chair of that Project, Judge Elizabeth Perris, offered a lengthy comment that shared some information on the goals and process. I recommend it to you. She noted that law students were asked to review the forms.
This fall during my seminar on consumer bankruptcy, I had my students do this as a take-home assignment. We had just read a chapter in Broke by Angie Littwin on pro se bankruptcy filers, and the students' task was to assess whether the forms would make the system easier for debtors. The students' observations ranged from the minute to global. My favorites are below.
Favorite Little Observation: The new forms use Arabic numbers instead of Roman numerals to label parts of the form (so it is Part 1, instead of Part I.) I would never have noticed this but the student confessed that they could never figure out Roman Numerals, which usually was only a problem at SuperBowl time.Favorite Big Picture Observation: The forms have checklists on the opening pages--one for chapter 7, 13, and 11. But the students noted that debtors needed to figure out what chapter to file to even make use of these checklists and figuring out chapter eligibility turned on the means test. So they thought the means test form should come FIRST, ahead of even the petition, so the debtor could check the correct chapter box on the petition and use the applicable checklist. We talked a lot about how many families the means test really screens but I can see the problem in theory--you fill out dozens of pages about chapter 7 only to get to the means test and discover you aren't eligible.
Favorite "Here's How People Really Behave" Observation: One student complained about the block of instructions at the top of each form. The student noted that by FIRST putting the general instructions that apply to all forms and THEN the specific instructions for a particular form, that debtors would likely cease to read the instructions after a couple of forms. Debtors would see the same first sentence in each instructional block would give the debtor the idea that these were all duplicative. The student thought the specific instructions at the bottom of the instructions that apply to that particular form should go first, with the general stuff like "This form uses 'you' and 'Debtor' to apply to a debtor filing alone" going below the form-specific instructions like "Use Part 2 for creditors with priority claims." You can see the issue that student is flagging in the sample form I posted on the prior post--click here.
Favorite Suggestion for Revision: One student thought should be two parallel sets of forms--one for joint petitions and one for single filings. The student--who noted that they were single-- complained about having to look at all the "Spouse" columns on every form that would not apply to them. I think the student is correct that the form would be much more stream-lined for single people. I wonder how many pro se filings are by single filings; if the bulk of them are, then this seems like a possibly worthwhile idea for the Modernization Project to consider.
Favorite Technology Idea: Many students thought the forms should work like TurboTax, where you don't see forms at all, just a series of input boxes. In TurboTax, if you answer you are not a homeowner, you never see the question about mortgage interest deduction. On a paper form this obviously works differently. It will be interesting to see how the Pro Se Pathfinder project that permits electronic filings for pro se debtors works and if it has this kind of functionality.
Favorite "I deserve my money" Observation: A couple of law students noted that it would take someone with training like theirs to even understand what 11 U.S.C. (section symbol) 727 meant, so that having the Code references was really just a way to signal that people should have lawyers. Perhaps the online forms will have hyperlinks to the law itself? The students thought the forms should explain that 11 U.S.C. is the bankruptcy laws and that a section symbol and number refers to a specific part of the law.
The students' opinions may be worth something here, even though they are experts on neither bankruptcy nor form design. This is in part because the bankruptcy community seems to continue to hope that more law schools will do pro bono bankruptcy clinics and easier forms might help with that. And law students could be a good group to proxy fairly sophisticated consumers who have some knowledge; they might very roughly approximate a college-educated consumer who had read a book like Bankruptcy for Dummies. And lest you think college-educated people are unlikely to file pro se, Angie Littwin's research in Broke, mentioned above, finds that college-educated people have a higher propensity to try a do-it-yourself bankruptcy than those with less education.
The forms have some strong words for pro se filers, which will be the subject of my next post on the forms.
Feb
14
The curious link between MMFA and the White House war on Fox
Question the timing.
Apparently, the people at Media Matters take the term “investigative journalism” seriously — even if they misunderstand it. According to a September 2009 e-mail obtained by Tucker Carlson at the Daily Caller, Media Matters Director of Media Relations Karl Frisch proposed to founder David Brock and MMFA president Eric Burns that the organization conduct a [...]
Feb
13
Florida’s Frankenstein Foreclosure Act, House Bill 213 and the 2/16 Rally in Tally
MAKE PLANS TO COME TO TALLAHASSEE NEXT THURSDAY 2/16/2012! Let’s be honest about what this legislation and all this effort is. The banksters, the document mills and the foreclosure firms have made an absolute disaster of their own files and our court system. Remember that, because the elected people in Tallahassee don’t seem to get … Read more
Related posts:
- Rally in Tally WEAR 3 News Top Stories Video – Home Owners Facing Foreclosure came to the Capitol Wednesday to Drive a Stake in the Heart of the Bill
- The Florida (un)Fair Foreclosure Bill Passes Florida House Economic Affairs Committee 12-4
- Rally in Tally March 9th 2011 | Own a Business in Florida? SB1288 & HB799 The Nonjudicial Commercial Foreclosure Bills
Feb
13
Florida’s Frankenstein Foreclosure Act, House Bill 213 and the 2/16 Rally in Tally
MAKE PLANS TO COME TO TALLAHASSEE NEXT THURSDAY 2/16/2012! Let’s be honest about what this legislation and all this effort is. The banksters, the document mills and the foreclosure firms have made an absolute disaster of their own files and our court system. Remember that, because the elected people in Tallahassee don’t seem to get … Read more
Related posts:
- Rally in Tally WEAR 3 News Top Stories Video – Home Owners Facing Foreclosure came to the Capitol Wednesday to Drive a Stake in the Heart of the Bill
- The Florida (un)Fair Foreclosure Bill Passes Florida House Economic Affairs Committee 12-4
- Rally in Tally March 9th 2011 | Own a Business in Florida? SB1288 & HB799 The Nonjudicial Commercial Foreclosure Bills
Feb
13
ARG poll shows Santorum up 6 over Romney in Michigan
PPP puts Santorum up by 15.
Of all the polling that takes place over the next three weeks, Michigan might get the highest profile. Mitt Romney has strong ties to Michigan; his father was a popular governor in the state, and most people assumed Romney would not have to expend much energy there to win a Republican primary. The first hint [...]
Feb
09
Fraudclosure Deal – You Have Been Sold Out
The Market Ticker – Fraudclosure — You Have Been Sold Out And people wonder why there are more and more folks who are saying (or should say) “**** it”, throw their hands in the air, make no investment in capital formation and just walk off? A multistate settlement with five large U.S. banks over foreclosure … Read more
Related posts:
Feb
08
Report: Dependence on government up 23 percent under President Obama
Great.
President Barack Obama has proved his adeptness at exploiting the vote pump: Dependence on government has increased by 23 percent under his administration, according to the Heritage Foundation 2012 Index of Dependence on Government. More people than ever before — 67.3 million Americans — depend on the federal government for housing, food, income, student aid [...]
Feb
07
CNBC Tweet | New York AG Schneiderman Expected To Join Multi-State Mortgage Settlement-New York AG Schneiderman To Hold Media Call At 6pm ET
~ 4closureFraud.org TweetRelated posts: #AGOs TWEET | AG Coakley to hold press conference at 1pm regarding a major lawsuit against 5 national banks Yet More Mortgage Settlement Lies: Release Looks Broad, Not Narrow; Other States Screwed to Bribe California to Join THE PEOPLE OF THE STATE OF NEW YORK, by ERIC SCHNEIDERMAN vs JPMORGAN CHASE, … Read more
Related posts:
- #AGOs TWEET | AG Coakley to hold press conference at 1pm regarding a major lawsuit against 5 national banks
- Yet More Mortgage Settlement Lies: Release Looks Broad, Not Narrow; Other States Screwed to Bribe California to Join
- THE PEOPLE OF THE STATE OF NEW YORK, by ERIC SCHNEIDERMAN vs JPMORGAN CHASE, CHASE HOME FINANCE, EMC MORTGAGE, BANK OF AMERICA, BAC HOME LOANS, WELLS FARGO, MERS and MORTGAGE ELECTRONIC REGISTRATION SYSTEMS
Feb
07
California, New York, Nevada, Florida? and Massachusetts Among Fraudclosure Deal Holdouts
States With Highest Foreclosure Rates Among Bank Deal Holdouts Feb. 7 (Bloomberg) — California, New York, Nevada, Florida and Massachusetts are among the handful of states that haven’t signed a deal with banks over foreclosure abuses, according to state officials and two people familiar with the talks. The holdouts include some with the highest rates … Read more
Related posts:
Feb
07
Thomas Sowell raps Mitt on the minimum wage
You should know better
Mitt Romney caught considerable flack for an interview he did with CNN when he made his now famous, “worrying about the very poor” comment. And by this point, most people – including the candidate – realized that it was a seriously tone deaf turn of a phrase during a national campaign. But some other, less [...]
Feb
07
Oregon Department of Justice | Frequently Asked Questions About The Multistate Settlement
Oregon Department of Justice | Frequently Asked Questions About The Multistate Settlement Who are the parties to this settlement? What does the multistate settlement do? Some people are saying there hasn’t been a full investigation. How do we know this isn’t a quick “out” for the banks? Why aren’t you pursuing a criminal investigation of … Read more
Related posts:
- Adam Levitin | The Multistate Foreclosure Settlement
- Holy Fraudclosure! | Cantwell to Justice Department: Fully Investigate Fraudulent Foreclosures before Bank Settlement
- $116,785 Each | Department of Justice Announces Compensation for Servicemembers that were Illegally Foreclosed as Part of Settlement with Bank of America
Feb
06
The Settlement Would Require Massachusetts, Nevada and Arizona, Which Have Sued Banks Involved in the Talks, to Settle those Cases
“The settlement, meanwhile, would also require Massachusetts, Nevada and Arizona, which have sued banks involved in the talks, to settle those cases, one of the people said. Nevada and Arizona each sued Charlotte, North Carolina-based Bank of America over mortgage-servicing practices, accusing it of misleading consumers, while Massachusetts sued all five banks that are part … Read more
Related posts:
- Settlement FAIL | Banks Get Edge in Talks on Foreclosure Penalties as Feds Settle
- Here We Go Again | Banks, SEC in Talks to “Settle” Fraud Allegations Relating to the Sale of Toxic Mortgage Bonds
- Florida AG Pam Bondi Interested in Alternative Settlement with Banks that Does NOT Require Servicers to Pay Fines
Feb
06
US closes Syrian embassy after almost a year of military attacks on civilians
Better late than never?
When Egypt’s population began widespread demonstrations against the Hosni Mubarak regime, it took Barack Obama eight days to demand the resignation of our nominal ally in Cairo. When Moammar Qaddafi began a campaign of military attacks on his own people to suppress a revolt, it took us just a few weeks to launch an undeclared [...]
Feb
06
US closes Syrian embassy after almost a year of military attacks on civilians
Better late than never?
When Egypt’s population began widespread demonstrations against the Hosni Mubarak regime, it took Barack Obama eight days to demand the resignation of our nominal ally in Cairo. When Moammar Qaddafi began a campaign of military attacks on his own people to suppress a revolt, it took us just a few weeks to launch an undeclared [...]
Feb
03
Complaint | THE PEOPLE OF THE STATE OF ILLINOIS vs NATIONWIDE TITLE CLEARING
MADIGAN FILES SUIT OVER FAULTY MORTGAGE ASSIGNMENTS FILED WITH COUNTY RECORDERS Attorney General Alleges Faulty Practices in Foreclosing on Homeowners in Crisis Full complaint below… Chicago — Attorney General Lisa Madigan today filed a lawsuit against Nationwide Title Clearing for filing faulty documents with Illinois county recorders. Nationwide Title Cleaning Inc. (NTC) is a Florida-based … Read more
No related posts.
Feb
02
Holder to Issa: I’ll hold people accountable … for whistleblowing
The real crime within Holder's DoJ, apparently.
The hearing today on Operation Fast and Furious by the House Oversight Committee produced a curious moment during a confrontation between its chair, Rep. Darrell Issa, and Attorney General Eric Holder, caught by The Right Scoop. Issa asks when Holder will start holding his team accountable for the mistakes made during Operation Fast and Furious, [...]
Feb
02
Romney and Paul: BFFs?
"Strategic alliance"?
While Michele Bachmann remained in the race, her choice of targets in the debates raised a few eyebrows. The Tea Party favorite went after Rick Perry and later Newt Gingrich with abandon and regularly jousted with Ron Paul, but seemingly took only a few shots at Mitt Romney. People wondered whether Bachmann and Romney had [...]
Jan
25
Second Freddie contract required Gingrich to meet with “major stakeholders” to discuss “business and public policy issues”
Here's a question: So what?
National Journal has a look at a second contract between Freddie Mac and Newt Gingrich, and it raises the same questions as the first. Once again, Gingrich as a consultant reported to the senior VP of government relations at Freddie Mac (Mitchell Delk), the firm’s top lobbyist, and it required what most people would call [...]
Jan
23
DOER ALERT: Dear Bank of America…
Dear Bank of America, and by Bank of America I mean CEO Brian Moynihan…
Brian, I am running out the door at the moment. I have to make a flight to Arizona so I can attend a meeting this evening and another in the morning at the state capitol. A state senator called me last week asking for my help on a bill related to the foreclosure situation there. Were it not for my schedule, I’d be ripping you and your bank to pieces in this column, and then asking all of my DOERS to inundate you with emails and letters in support of yet another homeowner who’s life you have irrevocably, unconscionably and inconceivably harmed.
I’ll be back at my desk tomorrow, so I was just going to wait until then to deal with you, but you see… this story brought tears to my eyes asa I sat here checking in for my flight… I guess I’m just emotional (although I think “human” is the more appropriate word) about such things, while you apparent;y are not. Anyway, after I wiped them away I decided even though I didn’t have time to write the story in detail… I’d let you know what’s coming soon to a theater near you.
My thinking is, if you want to avoid me having to spend the eight or so hours it takes me to write all of the details into a piece that will be read and remembered by tens of thousands of people all over the country, you’ll address this situation before I get home tomorrow afternoon. I hope you don’t view this as some sort of threat… I don’t mean it that way… I hate people that threaten, you know what I mean? Either do it or shut up, has always been my motto.
I’m just giving you a heads up, if you will of what tomorrow afternoon is absolutely certain to bring if you don’t do something about… do you remember the Perry Mason television show from days gone by…
The Case of the Grieving Grandpa and the Lying Lender
Starring…
Mr. Dale Wright of Cloverdale, California
Loan Number 149664284
Brian, this one’s going to make a great story too, so if you can’t make time to handle it before I’[m home tomorrow afternoon, you’re going to wish you had. Here are a few highlights… think of it as the show’s preview, if you will.
Mr. Dale Wright of Cloverdale, California turned to Bank of America for help in 2009 after being told by the President of the United States that Bank of America would help him if at all possible. Mr. Wright is an 82 year old veteran who’s been a pillar of his community since before you were born, Brian.
He was approved for his trial modification under the Making Home Affordable program on March 23, 2010. I’m told by several people involved in his case that he made all of his payments on time and as agreed and I have reason to believe they are correct. He was denied for a permanent loan modification because of Bank of America claimed not to have received a new 4506T… even though they had received said 4506T 30 days earlier and I’m told those things are good for 90 or 120 days.
No matter… he was told he was being reconsidered as of December 6, 2011. In fact, he was told he was under consideration as of December 23rd. You SOLD his house on January 3rd, Brian. He’s 82 years old, Brian. December 25th is Christmas, Brian. January 3rd is two days after New Years, Brian. God damnit… Bank of America doesn’t need to do shit that week, Brian. (I’m sorry, for my language, but I can’t take much more of this without swearing, Brian.)
Of course, your bank didn’t tell him it was sold on January 3rd. He found out when the investor knocked on his door on January 3rd and told him that it would be understood if he needed more than three days to move out! The investor told Dale he was buying the property to “flip it.”
(SIDEBAR: You might want to mention to whoever that was that said that to him, that he’s damn lucky that it wasn’t me that answered the door that day because I don’t have any prior criminal record and I’d be willing to pick up a first offense charge for beating the crap out of him for doing that to my grandfather. But, I don’t suppose he would have said it to me, now would he. No, he only says things like that to 82 year olds, I am sure.)
Mr. Wright called and Bank of America was like… “Wo, wo, wo… we don’t know how this happened… we were trying to postpone the sale, but Wells Fargo wouldn’t do it and they’re the investor that owns the loan. It wasn’t our fault… blah, blah, blah.”
Your bank sold the home of an 82 year old vet right after New Years so some investor could flip it, and couldn’t even be bothered to make a call to let him know? No… instead you blamed it on Wells Fargo, saying they were the investor and they wouldn’t agree to delay the sale or modify the loan. Hmmm… think that’s true, Brian? I wonder…
But I didn’t have to wonder for very long… here’s the email from Wells Fargo from just a few days ago:
From: catherine.h.martin@wellsfargo.com
Date: Tue, 17 Jan 2012 14:01:19 -0600
Subject: Dale Wright
Dear Ms. Sheets,
Wells Fargo Bank, N.A. received and reviewed your recent correspondence regarding your concerns as it relates to your Grandfather’s mortgage.
After researching this matter, we have verified that Wells Fargo Bank is not the Investor/Owner and does not have a direct role in servicing the loan. That being said, I am forwarding your letter to the servicer, Bank of America, instructing that they subsequently respond in a timely manner to your concerns giving Mr. Wright every consideration allowed.
I urge that you continue addressing Bank of America with concerns pertaining to this matter. You may contact Ms. Nora Jones at 817-864-2293 at Bank of America to request that she escalate this matter within Bank of America.
Wells Fargo Bank makes every effort to facilitate and inform servicers of such issues so they may properly respond.
Respectfully,
Cathy Martin
Client Service Consultant
Wells Fargo Bank
9062 Old Annapolis Road
Columbia, MD 21045
410-884-2161 FAX 866-493-7814
Ooopsie! I guess your system was wrong… or your bank’s wires got crossed. Or maybe they were just feeding Mr. Wright “Lie Number 32,863,” from the Bank of America Handbook?
The man’s wife passed away in 2006. They were married for 53 years. Your bank explained that a request for postponement went in on the 23rd of December 2011 on a loan which Bank of America agreed to review for HAMP on December 1, 2011 and then you sold the home on January 3, 2012… Brian, are you trying to punish this man?
Fix this, Brian. Fix it so that it doesn’t happen to even one more elderly person. Because if you’ve heard of karma, your later years are going to be a bear if you don’t.
COME ON DOERS… DO SOMETHING ABOUT THIS… I CAN’T SAY ANYTHING ELSE WITHOUT BREAKING MY KEYBOARD AND MISSING MY FLIGHT, AND BESIDES I CAN’T SEE AGAIN…
BRIAN… Kristie Sheets is his granddaughter… HER NUMBER IS: 707-632-6101. You can call her and ask how to make this right, if you have the mind to do so. I’ll be home tomorrow afternoon, and I’ll check with her before I do anything else. This, as I mentioned, was just a preview of coming attractions. (Insert Perry Mason Music here.)
Mandelman out.
DOERS YOU KNOW WHAT TO DO!
Brian Moynihan, President, CEO & Chairman
Bank of America
Email: brian.t.moynihan@bankofamerica.com
Matthew Task, Executive Relations, Office of the CEO (At BofA)
Phone: 813-805-4873
Jan
23
DOER ALERT: Dear Bank of America…
Dear Bank of America, and by Bank of America I mean CEO Brian Moynihan…
Brian, I’m running out the door at the moment. I have to make a flight to Arizona so I can attend a meeting in the morning at the state capitol. A state senator called me last week asking for my help promoting a bill related to the foreclosure situation there. Were it not for my schedule, I’d be ripping you and your bank to pieces in this column, and then asking all of my DOERS to inundate you with emails and letters in support of yet another homeowner who’s life you have irrevocably, unconscionably and inconceivably harmed.
I’ll be back at my desk tomorrow, and I was just going to wait until then to deal with you, but you see… this story brought tears to my eyes asa I sat here checking in for my flight… I guess I’m just emotional (although I think “human” is the more appropriate word) about such things, while you perhaps are not. Anyway, I decided that even though I didn’t have time to write the story in detail… I’d let you know what’s coming soon to a theater near you.
My thinking is, if you want to avoid me having to spend the eight or so hours it takes me to write all of the details into a piece that will be read and remembered by tens of thousands of people all over the country, you’ll address this situation before I get home tomorrow afternoon. I hope you don’t view this as some sort of threat… I don’t mean it that way… I hate people that threaten, you know what I mean? Either do it or shut up, has always been my motto.
I’m just giving you a heads up, if you will, of what tomorrow afternoon is absolutely certain to bring if you don’t do something about… hey, do you remember the Perry Mason television show from days gone by…
The Case of the Grieving Grandpa and the Lying Lender
Starring…
Mr. Dale Wright of Cloverdale, California
Loan Number 149664284
Brian, this one’s going to make a great story too, so if you can’t make time to handle it before I’m home tomorrow afternoon, you’re going to wish you had. Here are a few highlights… think of it as the show’s preview or a movie trailer…
Mr. Dale Wright of Cloverdale, California turned to Bank of America for help in 2009 after being told by the President of the United States that Bank of America would help him, if at all possible. Mr. Wright is an 82 year-old veteran who’s been a pillar of his community since before you were born, Brian.
He was approved for his trial modification under the Making Home Affordable program on March 23, 2010. I’m told by several people involved in his case that he made all of his payments on time and as agreed and I have reason to believe they are correct. He was denied for a permanent loan modification because of Bank of America claimed not to have received a new 4506T… even though you had received said 4506T, 30 days earlier and I’m told those things are good for 90 or 120 days.
No matter… he was told he was being reconsidered as of December 6, 2011. In fact, he was told he was under consideration as of December 23rd. You SOLD his house on January 3rd, Brian. He’s 82 years old, Brian. December 25th is Christmas, Brian. January 3rd is two days after New Years, Brian. God damnit… Bank of America doesn’t need to do sh#t that week, Brian. (I’m sorry, for my language, but I can’t take much more of this without swearing, Brian.)
Of course, your bank didn’t tell him it was sold on January 3rd. He found out when the investor knocked on his door on January 3rd and told him that it would be understood if he needed more than three days to move out! The investor told Dale he was buying the property to “flip it.”
(SIDEBAR: You might want to mention to whoever that was that said that to him, that he’s damn lucky that it wasn’t me that answered the door that day because I don’t have any prior criminal record and I’d be willing to pick up a first offense charge for beating the crap out of someone for doing that to my grandfather. But, I don’t suppose he would have said it to me, now would he? No, he only says things like that to 82 year olds, I’m fairly sure.)
So, Mr. Wright called and Bank of America was like…
“Wo, wo, wo… we don’t know how this happened… we were trying to postpone the sale, but Wells Fargo wouldn’t do it and they’re the investor that owns the loan. It wasn’t our fault… blah, blah, blah.”
Your bank sold the home of an 82 year-old veteran right after New Years so some investor could flip it, and couldn’t even be bothered to make a call to let him know? No… instead you blamed it on Wells Fargo, saying they were the investor and they wouldn’t agree to delay the sale or modify the loan. Hmmm… think that’s true, Brian? I wonder…
But luckily, I didn’t have to wonder for very long… here’s the email from Wells Fargo from just a few days ago:
From: catherine.h.martin@wellsfargo.com
Date: Tue, 17 Jan 2012 14:01:19 -0600
Subject: Dale Wright
Dear Ms. Sheets,
Wells Fargo Bank, N.A. received and reviewed your recent correspondence regarding your concerns as it relates to your Grandfather’s mortgage.
After researching this matter, we have verified that Wells Fargo Bank is not the Investor/Owner and does not have a direct role in servicing the loan. That being said, I am forwarding your letter to the servicer, Bank of America, instructing that they subsequently respond in a timely manner to your concerns giving Mr. Wright every consideration allowed.
I urge that you continue addressing Bank of America with concerns pertaining to this matter. You may contact Ms. Nora Jones at 817-864-2293 at Bank of America to request that she escalate this matter within Bank of America.
Wells Fargo Bank makes every effort to facilitate and inform servicers of such issues so they may properly respond.
Respectfully,
Cathy Martin
Client Service Consultant
Wells Fargo Bank
9062 Old Annapolis Road
Columbia, MD 21045
410-884-2161 FAX 866-493-7814
Ooopsie! I guess your system was wrong… or your bank’s wires got crossed. Or maybe they were just feeding Mr. Wright “Lie Number 32,863,” from the Bank of America Handbook?
The man’s wife passed away in 2006. They were married for 53 years. Your bank explained that a request for postponement went in on the 23rd of December 2011 on a loan which Bank of America agreed to review for HAMP on December 1, 2011 and then you sold the home on January 3, 2012… Brian, are you trying to punish this man?
Fix this, Brian. Fix it so that it doesn’t happen to even one more elderly person. Because if you’ve heard of karma, your later years are likely going to be a real bear if you don’t.
COME ON DOERS… DO SOMETHING ABOUT THIS…
I CAN’T SAY ANYTHING ELSE WITHOUT BREAKING MY KEYBOARD AND MISSING MY FLIGHT, AND BESIDES I CAN’T SEE AGAIN, THIS IS JUST TOO UPSETTING… I FEEL LIKE IT’S GROUNDHOG DAY…
BRIAN… Kristie Sheets is his granddaughter… HER NUMBER IS: 707-632-6101. You can call her and ask how to make this right, if you have a mind to do so. I’ll be home tomorrow afternoon, and I’ll check with her before I do anything else. This, as I mentioned, was just a preview of coming attractions. (Insert Perry Mason Music here.)
Mandelman out.
DOERS YOU KNOW WHAT TO DO!
Brian Moynihan, President, CEO & Chairman
Bank of America
Email: brian.t.moynihan@bankofamerica.com
Matthew Task, Executive Relations, Office of the CEO (At BofA)
Phone: 813-805-4873
Jan
23
Romney to Florida: Say, shouldn’t Gingrich give back the Freddie Mac money already?
Gingrich agrees to release of Freddie Mac contract.
People say they like Newt Gingrich because he fights even if he doesn’t always win, which reminds me of Abraham Lincoln’s assessment of Ulysses Grant as commander of the Union army in the Civil War. (Say, this historian stuff is catching, isn’t it?) Mitt Romney wants to show people that he can fight with a [...]
Jan
20
Santorum on Marianne Gingrich accusations: These are issues of character
"These are issues that people will consider ... "
Rick Santorum walked a fine line in his response to questions about Marianne Gingrich’s accusations against her ex-husband and Santorum’s GOP rival, Newt. “Personal matters are personal matters, but they are matters that are — particularly when you are in public life as he was at the time and the people involved were also in [...]
Jan
19
Video: Herman Cain endorses “the people”
Okay.
He said it’d be “unconventional,” didn’t he? People are going to goof on him for this, but what did he have to lose? His endorsement means little anymore so neither Romney nor Gingrich would have felt indebted to him for giving it to them. In fact, I’m sure they’re both relieved to have not gotten [...]
Jan
19
Bill Clinton on MSNBC: It’s “our version of Fox”
That's the popular perception, yes, but is it accurate?
Don Irvine of Accuracy in Media digs up this relevant portion from an Esquire interview of Bill Clinton: I was just watching MSNBC, and they had a woman that used to work for me and a couple of other people on there, and they were talking about the Republican primary. And I was laughing. I [...]
Jan
14
Open thread: Are you ready for the Huckabee South Carolina presidential forum?
Six days to go.
8 p.m. ET on Fox News. Actually, it’s too late to get ready: They taped it this afternoon. But here’s your thread in case you’re one of the three people in America who’s watching this tonight instead of the final battle of good and evil in Foxboro. The best reason to tune in, in fact, [...]
Jan
13
Poll: 43% think God is helping Tebow succeed
Intervention.
The media’s treating this as a poll on whether people think God is helping Tebow to win, but the way the actual question was phrased is subtly different. Direct quote: “Do you believe that any of Tim Tebow’s success can be attributed to divine intervention?” (Emphasis mine.) Correct me if I’m wrong, but that’s a [...]
Jan
13
McCain: Super-PACs will “destroy” political process, and it’s the Supreme Court’s fault
Projection.
Really? John McCain vents about the rise of super-PACs in the wake of the Citizens United v FEC ruling in 2009, which barred the government from regulating when and how people could engage in political speech during an election cycle. McCain decries the decision, which gutted his Bipartisan Campaign Reform Act (known better as McCain-Feingold), [...]
