[ryboy9312]

Been working on it for a long time and that is even how the fraud, violations, etc. were discovered. My wife and I have been in our home 22 years and never late or missed a mortgage payment until July of last year when the financial hardshipd were just too much to bare. I like so many others in this position have fallen victim to all CWB's shell games and stall tactics and haven't seemed to get too far. Like I stated in my original post, I have every phone coversation, fax, email, mail, certified mail, written down and documented since 9/30/08. My info was wrong and had to correct with just about every rep I talked to. I dealt with the "Office of the President, " for several months and didn't really get really get anywhere until I did come across a very nice rep in the Customer Care Unit (800-399-1762 gen. dept #) finally got some answers, but it wasn't until I submitted a rescission letter (for the right of rescission/cancel docs not only showing up after the closed, but both of our signature's & initials were forged by someone else and the wrong date to boost!) till we got any real attention. On 2/27/09 I received acknowledgement of our rescission & demand/dispute of CWB's Legal Dept having had it for 18 days now and that if we hadn't already received a response, we should very shortly. On 3/16 it was acknowledged again that they had it and now sent back to Home Ret. again. I honestly don't know why I haven't retained a lawyer yet (I'm sure if I really needed the $, I could work something out, but I really can't swallow my pride to do that) and I have foolishly given them way more time than necessary and I'm done. I know it's hard for you to answer some questions for liab. etc, but if you can't tell me what steps I need to take to file a suit, could you maybe point me in a direction where I might be able to do so without needing legal representation? Any info would help. Thanks again ***