Thanks for the support Snapple Candy.
I sure do believe that it is a breach of ethics if not law to contact me directly when they have had this much time to take note of the first letter from the attorney.
I believe you are going to have to bring the credit card issue into the public eye. BofA, is now going the route of
CW in their disgusting lack of any hint of ETHICS. The lack of providing notice seems to be a common theme with BofA these days. They have decided to ignore some major federal laws like TRUTH IN LENDING.
I know on the
CW issue, they are running afoul of FRAUD charges. Turns out there is even the 'racketeering' term that can be thrown in too. In the cases like mine, I believe it will get collusion added due to the sale of the note to the private investor. (Yeah, the note was said to be transferred to Litton but they commonly claim to 'own' notes that are actually held by private investors and only SERVICED by Litton. So, if litton REALLY owns this note, just do a mental edit in the following paragraphs, and replace the 'private investor' with 'Litton employee'.)
Then with Litton, there is the aspect that they are quite possibly representing a 'dirty' private investor and are also breaking at least STATE level laws. Has Litton been instructed by that investor to hasten the foreclosure process, regardless of the risk, even disregarding newly-enacted state laws that ABSOLUTELY DO APPLY but require more steps prior to file of any NOD? That investor may have even received stolen data from a
CW employee who is KNOWN to have accessed mortgage files and SOLD the data. Now why access all of that data and not just simply the identity information that was also accessed?
Hmm, Litton, if not involved directly in collusion may have borrowed trouble with representing this investor. Are they an accessory to that investor's actions? Timing-wise, collusion looks quite likely. I know there is the question of proving it, but this would be CIVIL suit, not criminal trial. The time-line and the selection of which notes
CW/BofA sold just prior to the mod completion (when employees say NO TRANSFER SHOULD HAVE been allowed to HAPPEN) along with other numerous details could not help their situation.
There is starting to be rumor on the web that BofA, due to the unethical decisions and actions, will fall victim to it's own actions and go DOWN just like CountryWide before it. At least one law firm otherwise here in CA is looking at going after
CW/BofA already.
I say good riddance as long as the ones that are making these decisions are PUT OUT OF WORK PERMANENTLY. Let them get a job cleaning toilets at a gas station, bar or strip club. I would not want them anywhere around a place that prepares food. I'd be afraid they would poison the food if they worked in a restaurant, given their total lack of ETHICS!
As for what the american people will take, I've talked with some other moderates and there is a belief forming that the current administration is trying to get the typical american to change their definition of the 'american dream' of individual home ownership to acceptance of only being renters with large corporations or the government owning most housing.
I'm not counting on 'Uncle Jerry' to fix the broken promise and BREACH of HIS SETTLEMENT AGREEMENT. But the state DOES intend to monitor compliance AND there is a COMPLAINT process available. I can also independently sue for that breach. I don't see why I'd need 'Uncle Jerry' to have to be the one claiming they breached that agreement. My note is one that qualifies as one of those subject to the settlement, the mod conforms to those that were to be offered, the only way it does not comply is THEIR BREACH of implementing the mod they offered after I accepted. That is pretty black and white. That might be the simplest part of all this mess.
If nothing else, that assertion of breach of settlement put out for the news media is not going to help BofA stock prices.
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