Fraud Case Against Countrywide

[tylerd77]

Hey I'm wondering if going to the Riverside County District Attorney would work for me. I'm new and stumbled on to this fantastic site, boy I wish I had found you 2 years ago. when my saga started. I read posts all nite last nite, lol. and to the guy that talked about scum***s for not paying for 11 years: Well I can't comment on that guy's story but my 2 years going now with 2 homes, which just lost my home, HAS BEEN HELL ON EARTH AND I WOULD'VE GLADLY PAID THE MONEY IF I COULD THAN TO FIGHT THIS... BEING RIGHT, DOESN'T MEAN YOUR GONNA WIN, AND THEY ALL LIE IN COURT and doing IN PRO SE against attorneys and people that lie, they finally beat up somuch, and had agency after agency on me to beat me up more, all dismissed unfounded, but I just couldn't keep going back every week. Still have the one home my client bought going on1 1/2 years now no payment to countrywide (servicer) but a date this month has been set. This e mail to Dave Sambol the president of Countrywide will give you a glimce in to my saga, and I will write my story in the proper forum but saw this thread and wondered ... i wrote to Mr S. since he had responded to my in the past, almost fell over but he did, this time not much luck .... e mail..................... This is my 3rd e mail sent with no responce
From: TYLERD77
To: dave_sambol@countrywide.com, (followup_mailingto_who@BOA.com)
Sent: 8/6/2008 7:16:03 A.M. Pacific Daylight Time
Subj: Mr. Sambol, please respond to my inquiry,,, or assign someone too.


This is my 3rd e mail to you, and I realize you a very busy man all the time but especially right now, but please read it and respond or have someone respond for you.

In the Fraud Case I'm going to file on the mortgage company but have to file on Countrywide First since you bought the loan from them with all its defects are how I believe they refer to it, But they knowingly passed the Fraud on to Countrywide... i.e. My e-mail to you to keep Countrywide as a Plaintiff with me, and skip the Countrywide as a First Defendant and then Go to MHM, It helps Me, and the press is good for Countrywide helping me, and righting a wrong that has financially devastated especially myself since as the Realtor, I did what was right, to mitigate my clients damages and took over the property to deal with the whole situation. I did not fore see, nor think about how much this ordeal would effect my family, my self, and how bad it would really get, but I had no choice, as I feel, you shouldn't either, since I hope you were not party to the fraud, and just dooped by Mission Hills knowingly passing the FRAUD to you. not once but twice, ( As I will explain in detail to you) and only by me telling you about it, were you aware of the FRAUD and then decided to learn more and go to the AID of one of your Customer's, and RIGHT the WRONG done and there was WRONG done. FRAUDULANT WRONG DONE and then passed to you to deal with it. MY WAY IS JUST THE UNEXPECTED WAY, MHM it's management team, the loan agent ever thought it would be dealt with by you.
Please you should hear all that makes this case, a loosing fight for,Mission Hills Mortgage and by all reason should mitigate their damages,
By the events that happened, and the FRAUD they maliciously and knowingly passed on to Countrywide, was a mistake. Obviously, Just a few other points, the FRAUD was committed on my client who had a 817 FICO middle score, and, most likely has the 8 at the end now. so nothing wrong with the qualifying side, Next, It's was my 1st time using MHM, the agent approached me, wanting my business, I was at a top producing status in my office at the time. This is where there is insult to injury MHM is owned and operated by the same corporation or partnering corporation that owns TR, in California, so they brag, TR was the Broker of Record for my license as a Realtor for the prior two years. This week I learned I have no Broker of Record, and no notice from T to my dismissal, not surprising since the financial devastation caused by the FRAUD ended my career at that point, and dealing with the fallout for the past ongoing 2 years... including foreclosure of my own home, the fight IN PRO PER which a won a few bitter sweet days over the 30 year vet. for Freddie Mac. But more than I could do in the long run. Filing Bankruptcy IN PRO SE . granted and discharged all debt, but with an appeal to the appeal et us court. I realized I was just fighting to loose, until the FRAUD CASE is litigated or settled but was fighting to save what I had, I am sorry this is more you need to hear about my demise.

If you would please respond to my e-mail, I would appreciate it, so I will know how to proceed, or forced to proceed. Don't get me wrong, with Countrywide with me, helps me tremendously, in expediting and hopefully costs, and I pray that you do.

If not I will proceed anyway, already sending an e-mail to every named and unnamed attorney I can find or hear of, to enlist their help to RIGHT the WRONG of FRAUD from a Company owned lender, to a company Realtor to his Client passed on to the one of the largest lenders Countrywide that ....... guess we wait for the outcome here.

Your customer's in need,
Please help us,. or respond accordingly,

Tyler D. and son Austin D.... now very reluctant welfare participant's, and my Client, J.R.,, the original titl. Which now has a foreclosure sale date this month, that may force me to file a conversion from 7 to chapter 11 in the U.S. Bankruptcy Court to avoid property to be taken by Countrywide and Kings Consortium lenders. So that I have time to file FRAUD Case in court.

...any suggestions from you guys at Loansafe.com would be appreciated I'll write the full story next day or so. and with it being a Fraud case do you think it would behove me to go to the D.A.
Tyler

[faith]

Tyler,
Welcome to this forum. I think the best one qualified to answer your question is Professor Shays, Moe and Cat because they are the moderators of loansafe.org and have many years of experience regarding the issues of some lenders like Countrywide, Chase, Option One and many more.

If you will ask my opinion as to going to the DA of Riverside because of Fraud allegations by Mission and Countrywide, go ahead and listen to your heart,
you also need to have the loan documents examined to have evidence of Fraud and wrong doing of these companies you have mentioned. The way you write your letter I could say you are a lawyer or real estate agent.

You have to be strong and take heart, be of good courage because all the people that these crooked lenders cheated and defrauded, their time is getting short and God knows who they are and vengeance and punishment of the Almighty is sure and stiff.

Please wait for Professor Shays, Moe and Cat and they will give you sound advice because of them 158 homes got saved that includes mine.

Take care and peace be with you. We are all in the same boat, victims of predatory lenders.

God bless you.

Faith

[tylerd77]

Countrywide called me today, offered loan modification, and said that would postpone the sale date 2 days from now, If we started the L M process, after a year and a half of no payments, not sure what to think about that, but will see what happens. All the e mails I sent to all the people at Countrywide are no longer there, but somebody is getting them. The first person was responding saying that Mary Archer is no longer there, and refered me with a number to the Office of the President. The 2nd was today her name was Khara Turner and seemed to want to help, but couldn't help with the lawsuit but did offer to start the loan modification to see if we could qualify. I am speaking with an attorney tommorrow I got from this site. Thank you for being here, wish I had found you earlier but still am grateful that I found you, and possibly an attorney to help me.
Thank you all, you are making a differance!
Tyler

[Cat Damiano]

Tyler,

Good Luck with fight!!

Please keep us posted on how it goes.............

[faith]

Tyler,
I am happy for you. Good luck on all your endeavors.

May God be with you and give you favor from the Attorney and wisdom and strength how to handle your case. You will always be on my thoughts and prayers.

May the Peace of God be with you always.

Take care,

Faith

[tylerd77]

Faith,
I made a big mistake by posting my story before I had accually written it out, and checked how it read, the grammer as so forth. But I was so excited when I came across this site that I just started typing and kept going. I feel that it's a very important story but the way I wrote it, I'm suprised anyone read it. I know this because some of the comments i've gotten are very disturbing because of my very poor written story. They accually, are commenting, on what they have gotten or believe they got from my story, and by no fault of there own. I am really sorry for that, and are going to post again, now that I have had time to have it make sense when it is read, and not just coming off my fingertips as I work so fast to get it out and all down.
If this is against any of loan safe' rules I understand if its not allowed, but there have been some developments, that y0u just might see on you TV news. If it is not allowed, can i post a link to the story, so that doesn't read like I am illiterate. and people can read with out having to figure what really happened.

[faith]

Tyler,
I believe you and thank you for explaining in detail what happened to you. The post that you received this morning which I also received don't worry about it, the moderators of this site will not allow anything to post in this site that is not helpful and demeaning. Moe, Cat, Professor Shays and Andrew has a compassionate and understanding heart. This site is where we are free to say our stories and our hardship and they are always to hear our hearts cry out and also their ears to listen, but they will not allow anyone to belittle anyone. So you are in a good and safe hands. Trust them because they are all trustworthy.

Having said that, I hope you are okay and not worry about anything else but you. I hate to tell you this since you mentioned T, I have had bad experience with T and you can not trust anyone there. Let's just say that my experience with T was very bad and I will never recommend it to anyone, my experience with Tarbell make me sick to my stomach.

But anyway, don't worry, be of good courage, be strong and stand for what you think is right. May the blessings and favor of God from the judge and everyone involved in your case be with you always.

Thanks, God bless and take care.


Faith

[Cat Damiano]

Tyler,

I am sorry, but if you want to post the letter or letters you will have to edit out all of the personal information............personal names, company names, numbers, addresses and such...........we do not allow personal information to be posted on the forum............and also no links please...........

Thank you.......

[tylerd77]

THANK YOU FAITH,
I agree that it would be counter productive, to have postings, posted that are not helpful to the situation, and people are not coming to be chastised, openly after they post what is a very dificult situation.
Now I do appreciate getting the posts that are not posted in the helpful manner as well, but for my viewing only, let me tell you why. especially in my case when I got so caught up typing. I assumed everything in my mind was coming out in typed form as it was in my mind, LOL, I mean I can't tell you how clear it was as i was typing and how bad I felt, and mad I was at myself, for writting what confused me, and who ever said it was a hard read was being kind.
It might be a opening suggestion to tell people like myself, who are so excited and want to finally tell there story and get feed back, an as well in my case, that are grammar challenged, when on auto pilot: To do themselves a favor and pre-write their story out first, an then proof read. It's one of my weakness's, thinking that it was so clear in my mine that it came out like that. But unhelpful type of posts really did help in that, I may of never known how bad I wrote it, lol it made me think, wow no wonder I'm in this mess, just good to know, that I had no writing involved in my ordeal that could've placed fault on me. wew, I have recomended so many people to this site, and your gonna love this Faith, I literally have hundreds of people stopping at my house, a day, to talk, to pick up a copy of the story, let me correct myself a clear understandable copy of my story, lol, they take pictures, your saying hundreds how? why? lol Well, I couldn't just let them get away with it, and since they have taken my home, my car, my career, and where no one should ever be able to be put, by someone else but it happens all the time I know,,, Well last week when the local news station came out and did a live feed, with my house that has more graffiti on it from on side to the other, but in story form, and giving bad press to T. and MHM relating them to FRAUD, Wait the best is you've seen the bill boards that say Welcome to T_-_-__ COUNTRY. are you sitting down on my roof as well as a wall out front, I have a Billboard 9' X 6' that say's
Public BEWARE your in T_-_-__ COUNTRY
I just give you the link when it comes out in the paper
The responce has been just undescribable and all positive... we'll see what happens!

[tylerd77]

Ok sorry Cat, I'll edit it and repost it, after doing so, thanks again for being here.
tyler

[faith]

Originally Posted by tylerd77

THANK YOU FAITH,
I agree that it would be counter productive, to have postings, posted that are not helpful to the situation, and people are not coming to be chastised, openly after they post what is a very dificult situation.
Now I do appreciate getting the posts that are not posted in the helpful manner as well, but for my viewing only, let me tell you why. especially in my case when I got so caught up typing. I assumed everything in my mind was coming out in typed form as it was in my mind, LOL, I mean I can't tell you how clear it was as i was typing and how bad I felt, and mad I was at myself, for writting what confused me, and who ever said it was a hard read was being kind.
It might be a opening suggestion to tell people like myself, who are so excited and want to finally tell there story and get feed back, an as well in my case, that are grammar challenged, when on auto pilot: To do themselves a favor and pre-write their story out first, an then proof read. It's one of my weakness's, thinking that it was so clear in my mine that it came out like that. But unhelpful type of posts really did help in that, I may of never known how bad I wrote it, lol it made me think, wow no wonder I'm in this mess, just good to know, that I had no writing involved in my ordeal that could've placed fault on me. wew, I have recomended so many people to this site, and your gonna love this Faith, I literally have hundreds of people stopping at my house, a day, to talk, to pick up a copy of the story, let me correct myself a clear understandable copy of my story, lol, they take pictures, your saying hundreds how? why? lol Well, I couldn't just let them get away with it, and since they have taken my home, my car, my career, and where no one should ever be able to be put, by someone else but it happens all the time I know,,, Well last week when the local news station came out and did a live feed, with my house that has more graffiti on it from on side to the other, but in story form, and giving bad press to T. and MHM relating them to FRAUD, Wait the best is you've seen the bill boards that say Welcome to T_-_-__ COUNTRY. are you sitting down on my roof as well as a wall out front, I have a Billboard 9' X 6' that say's
Public BEWARE your in T_-_-__ COUNTRY
I just give you the link when it comes out in the paper
The responce has been just undescribable and all positive... we'll see what happens!

__________________________________________________ ______________

Tyler,
This is a very sad story, my heart goes out for you and your family.
Please take it easy, your life and families life is more important than this house, I said it with a compassionate heart.

Someday, THESE CROOKS AND BROKERS AND LENDERS THAT DECEIVED PEOPLE FOR MONEY AND FOR THEIR GREEDS AND MISDEEDS
WILL FACE GOD IN JUDGMENT.

Please don't do anything that will hurt you emotionally and spiritually or in any way, THIS BATTLE BELONGS TO GOD, VENGEANCE IS THE LORD.

My thoughts and prayers are with you and your family. May God gives you favor from your case, from the judge that handles your case and from everyone else.

May the peace of God that surpasses all understanding will guard your heart and mind through Christ our Lord.

God bless and take care.


Faith

[faith]

Tyler,
I was really touch by your story and my heart grieved for you, but I have a question for you. Did you say you made graffiti in your own house in a story form?

Tyler, please control your anger. This is not the proper way to fight it. How can the Judge give justice to your case when you have already done so.
I know it's easy said than done but everybody was deceived and defrauded by all these predatory lenders and brokers and appraisers. The whole United States suffered from this unseen recession, housing calamity.

May I suggest that you pick up yourself together, stand up and let wisdom and control, discernment and insights rule over you. There's a lot of ways to fight predatory lenders and this is not one of them. You are in the right path giving story to the newspapers, tv station, giving flyers, writing to Senators and Congressman and the President and his vice and the court. And the most important thing, call on God and he will show you great and mighty things which you do not know.

Well, I have had problems too with my house. I was also angry because I lost my job caused by uninsured driver. We put all our equity money of $150k, savings and 401k's of $92k to that house for 2 years. We have to use it while I was recuperating, with no income and no job available we are now considered senior citizen, no one wants to hire us. That money disappeared fast and now we are renting an apartment but very happy because we don't have to pay property tax of $6118 a year, fire insurance of $100 a month, melloroose and hoa of $200 a month, and we don't pay water and trash which we saved $150 a month. Life is full of troubles, we have to make the best of it.

I asked God to help me handle our problems. I called all Chistian Churches, CBN, TBN and everyone that I know and ask for their prayers that God in his power will intervene in my case. He did, thank God he lead me to loansafe.org and to Moe, Cat Professor Shays and Andrew, they all give me helpful information and tips how to deal with CW. After 10 months CW approved the Short Sale and they will not pursue any deficiency judgment against me and my husband.

Don't worry about your employer, they are not the kind of employer you will want to work with if you know what they are doing against their Managers behind their backs. I know through my first agent and that's what made me sick to my stomach.

Why don't you write a financial hardship letters to CW to ask for a loan modifications to keep your house while you are waiting for the Judge rule over your case. You have to show the Judge that a fraud was committed in your house and you don't give the defrauder ammunition against you. I pray that God will help you everyday in your decision making because this is very hard, but I know there is nothing to hard for God, if you trust in Him. May he guard your heart and your mind. You're forever in my prayers.


Sincerely,
Faith

[tylerd77]

Faith,
Thank you, for your kind words as usual, but they now have already foreclosed and are starting the eviction process, So, I was not going to let them go unscathed, I don't have an attorney yet, I get 200 to 300 people that drive through my drive way a day now. I was hoping that massive amounts of bad publicity they are getting, and all I am really doing is warning people of them. Just in a way, that will pinch enough to give them a very small dose, of what they have caused in my life the last two years, I just had no Idea it would be as popular and get such massive amounts of positive feedback from John Q. Public, the response actually giving me a new sense of respect for people's spirit in general which I believed, had all but vanished and disappeared. People ask for permission to take pictures and are so polite and friendly about it. It's been incredible, so for what ever it's worth, It was worth it, just to experience this amount of compassion, and never did I believe, that the only negativity I have seen is the posting by the city. But I don't own the house, and the realtor working for the attorney and trustee, must repaint by the 19th or fines will prevail, not what I was looking for in the least but they can't come on the property till they finish the eviction process months. They offered Keys for cash, and upped it to 2500 but told them there is 30k plus wholesale in remodel money there, and I'll be dagnab it if im going to let them just keep my money and make money on my money. Sorry no way, I told the realtor, I ride the process out and save more than 2500, and un re model the house, and give them back what we bought before my sweat equity and investment went in. I also said when they were at 2000 to move out, I would think.... think about 7000 any smart business man or woman in the world would be a fool not to jump all over that. They came back at 2500 hundred and now face all the court battles and cost's, and will get back an un remodeled home too. Don't get me wrong I don't mean a vandalized home back, it will be un-remodeled bye bye granite, cant take off the new roof, but the glass showers, granite sinks hey bye bye, and they cant do anything since, it was all un re modeled prior to the foreclosure date. Faith, understand it is not rage, I'm really mad, about the whole ordeal but there was a point I almost didn't come back from, but I did and now it'is my turn to stand up and say; "hey sorry NO MORE! you took enough", and if I get this attorney to come on board, I had another attorney friend check him out, he said he had never been more impressed by what he found out. That I should tell him, that besides my case I have a friend that already checked him out and will need him to take over a multi million dollar pro per case, that in pro per has won every court appearance thus far on his own but knows his limits and will need an attorney to wrap it all up. So still some light in the horizon, although the light is a bit dimmer for the Tarb;-_'s, and who knows with this much heat maybe they _____ make it worth it to go away, and smart enough to know if my case gets filed, The damage publicly will not be pretty, especially now that the responce to someone doing this to my house, has gotten a 100 times more, responce than I ever thought after seeing my house, oops X house sniff sniff, in this graffiti style, public warning story, that somehow got written on this house. But the other home, my home hurt the most, but turn the cheek, right as long as the other cheek had writting on it, and onward and upward..... Lord help me please, and remind me that, I do not need a permenant ink marker for that cheek. and thank you for the kindness and genuine care that comes from special people, who obviously know you well, and one that has a most fitting and well given name, which I am sure is no accident.... Your awesome Faith.

your new friend,
Tyler




Take Care,

Ty