REALLY, Please post why you aren't signing the Petitions???

[BobandArlyn]

PETITION TO THE U.S. GOVERNMENT FROM AMERICAN HOMEOWNERS

We the undersigned strongly advocate that the Federal Government create immediate, transparent and more equitable regulations for the banking industry regarding loan modifications and pending foreclosures, particularly in regards to HAMP and 2MP. Tens of thousands of homeowners across this nation have spent hundreds of hours dealing with mortgage servicers who have little incentive to actually help them/us achieve permanent loan modifications; while in the process of obtaining a modification, many homeowners have been lied to, misled, foreclosed upon or threatened with foreclosure.

We propose an immediate halt to all foreclosures until new, mandatory guidelines are established and that these guidelines be overseen by a new Consumer Protection Agency, which was recently recommended by President Obama and endorsed by Sheila Bair, chair of the FDIC. We also demand that these guidelines include not only a simple 31% of the borrower’s gross monthly income, but that the Net Present Value (NPV) test: (a) be created and administered by the government, not the banks, (b) have its data, assumptions and formula published so that they may be verified by the public, and (c) be made available at www.makinghomeaffordable.gov in a calculator form so that people can learn immediately, with the other eligibility questions available there now, whether they're eligible for HAMP. We are also strongly advocating that additional guidelines be formulated that would open the door for modifications at an even a lower rate in significant hardship conditions and for rightdowns of principal when homes are severely underwater .

We propose there be clear and enforceable guidelines regarding the time between the initial request for a modification and the achievement of a permanent modification, and that there be no reward to the bank for a trial modification. The rewards, if any, should be only for successful permanent modifications.

There is documented evidence that the current system is not working, as reflected in the rising foreclosure rates across the nation and the thousands of people who attend NACA “Save the Dream” events in an attempt to get their loans modified. There is ample evidence that the current HAMP and other modification guidelines are being interpreted differently by each bank, reflected in many places including the scenarios described by the 20,000+ members of the loansafe.org community. Additional evidence can be found in hundreds if not thousands of complaints and requests for assistance sent by struggling homeowners to their Senators and Congressmen across the country, as well as the Office of the Comptroller of the Currency and other agencies that have been instituted to regulate these banks.

Mr. Bryan Bolton, SVP of CitiMortgage, has stated that “modifying within HAMP guidelines is in the best interests of our borrowers, our country and our company. With or without fees, it’s almost always in the best interests of the servicers to modify.” Unfortunately, these are empty words. Mr. Bolton, like so many other CEO’s, tells Congress one thing, while he and they continue to do quite the opposite.

Tougher mandates need to be placed on these banks that are simply not modifying loans at the rate they could or have been perpetuating to Congress and the media.


Homeowners are not the ones not complying with the rules. The banks are creating their own set of rules and regulations and are consistently “losing” paperwork during the application process, denying modifications for unjustifiable reasons after the trial payments have been successfully completed, and proceeding with the foreclosure process. This is often happening unbeknownst to the homeowners who are still faxing, mailing and e-mailing reams of duplicated documentation as requested by their lenders.

The American Dream has now become the American Nightmare courtesy of the banking industry, which is taking a cavalier approach to the stress, heartache and despair caused by the current lack of oversight, transparency and enforcement of loan modifications. It is of the utmost importance that action be taken to correct this travesty in order to preserve home ownership for the thousands of Americans that are and will continue to be struggling in this economic time.

We urge your swift and immediate action

There are 2 petitions. Use each link below to sign:

PETITION TO THE U.S. GOVERNMENT FROM AMERICAN HOMEOWNERS | Petition2Congress | TO THE UNITED STATES GOVERNMENT FROM AMERICAN HOMEOWNERS Petition

[survivor]

If they are not signing, they must just want to come on here and get help, but they don't want to help theirselves. they really don't want change. they want someone to do it all for them, without expending any energy.

[BobandArlyn]

I'm hoping that's not the case. Are they afraid of retaliation of some sort and there's fear? Really don't understand.

This might just prove Moe right. Wow, shocked.

[MyHAMP]

I signed it (twice, followed BOTH links) and even got a "receipt" in my e-mail inbox. Although some accused me on this board before of being a "HAMP-lover", I'm certainly aware of the fact that this program has some serious issues - and THAT'S why I signed the petition.

[caldwellb02]

You don't even have to put your name onthe first petition!!!!!!!! you can just say don't display name and it doesn't.

Please people. We old timers need to see that we are not just spinnin our wheels. Show us we are wrong!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[nativelasvegan]

I will attribute the lack of participation to ignorance. Afterall, I was completely ignorant in this journey when I began in March, 2009. I voted for the President because he had a plan “for change”, remember? Change my ass. He said he would have a moratorium on foreclosures. Right on I say. He will put a plan in place that provides homeowners the ability to stay in their homes by modifying their loans. What? You are awesome. Just what we need. I will definitely vote for you because your opponent is only offering SSDD. I have had enough over the past 8 years of the previous administration and I do want A CHANGE. TARP funds was introduced. Finally, I thought. A cut and dried process to modify my loan. After all, I met those requirements listed on the makinghomeaffordable.gov website, right? I am suffering now because the GOVERNMENT did NOT regulate the financial industry that created this mess in the first place. I ask the government now, “Where the hell were you when I saw prices double practically overnight?” No where. That should not have happened. How did a “fly by night” mortgage company set up shop and do business without regulation? I believe that was your job, Mr. Government and you were asleep at the wheel. Or should I say shoving your pockets full of money? Should be only a month or so and I will get a payment that is sustainable. Oh. Wrong again. I have spent over 600 hours educating myself on this issue. It should be a part time job but I am not getting paid. A lot of good that does. It only adds to my disastrous financial situation.

This is political people. No two ways about it. I hate politics. I started voting only two years ago. I educated myself before going to the polls instead of the ennie, meenie, minnie, moe method. I felt like a real true-blooded America. Did my duty. Educated myself. Voted for the candidate who was most qualified. Yeah, right.

I living in Vegas at the time of the real estate boom and I saw the prices of real estate double in just a matter of months. At that time, I knew something bad was going to happen. Me, a layman could figure that out. Granted, I am no expert economist, but I knew “something that goes up, must come down.” Not too hard to figure out, right? Where the hell was the government with the resources to retain the best economists to tell them something bad is on the horizon? They were there. They told the politicians about the impending doom. The government ignored them.

My income over the past umpteen years has been a result of the real estate market. It appreciated at a comfortable level and I was able to enjoy a comfortable lifestyle. Fast forward to 2009. Broke. Completely broke. Who do I blame? Myself. For believing in the American dream and land of freedom and opportunity.

This is political. Whether we want to think so or not. It is. The change has to be at the Senate/Legislature level or nothing can be done. We can all sit here and whine about how we are not receiving our mods when we are entitled to them, but it doesn’t do a damn bit of good. Read the stories here. How many people are successful?

You need to shit or get off the pot. I am sick and tired of the oxymoron “career politician”. If the Americans are not willing to change the way this country is run, by electing officials for ONE TERM, AND ONE TERM ONLY, then I will find a way to own my house outright and be responsible only for taxes, insurance and utilities and escape this crap until I can save enough money to leave this country altogether.

You are either in this or you’re not. If you are not willing to sacrifice your minor inconveniences in life, so be it. Tell your grandchildren you did everything you can when you know you could have done more by, I don’t know, maybe closing your accounts at the big banksters (although it is an inconvenience because your kids have an ATM attached to that account or whatever your reasons are), when you know down deep down that you could have made a difference.

Political? Sign a petition? The choice is yours.

[nativelasvegan]

Financial Crisis Investigation | Judicial Watch

[survivor]

Hear, Hear Native. and Amen. I applaud you, you said it all for us. and you made me cry!
Carol

[bloominga]

Welcome!! If you are a new member, please sign our petitions to Congress!! We know there is so much to explore here if you are new.

Before you look around and possibly forget, please sign the petitions and then go explore and take in all the information here on Loansafe.

Thanks and again, welcome!!

[Do not want to lose it]

I am not as computer savvy as most of you. I am still trying to figure out how to get this petition to a place I can forward it to those on my list.
I am also chicken after being stalked online by a much more computer literate person than myself in the past. I will have someone here this weekend to help me out.
I understand your frustration!

[THANKS2U]

Hmm all good questions

WHY are peole not signing ?

This WHY question must be looked into VERY carefully and NOT blindly and belligerently attacked.

In essence, a product has been made / The petition product

Is it a good product ?

If it is a good product, then why are people NOT buying it ?

Figure that out and then change the product in some way.

Perhaps it is not the product

Perhaps it is the promotion tactic

Who knows ?

But if this petition product is to sell, it is best to figure out why it is NOT selling and stop blaming the people for NOT buying the product.

This is a selling products 101 issue

This is not a blame and shame people promotion

When making a beautiful tasty cake for sale, sometimes it is just 1 simple key ingredient that makes your cake a flop or fabulous

Take a breathe and figure it out.

[Kimbly]

I've signed both.

Sadly, when taking the option to send the first to my legislatures in Arizona, it told me I'm only the third person in AZ to sign. ARE YOU KIDDING ME?!?! I KNOW there are so many people on here from AZ.

Is it simply apathy? Only a focus on one's own situation? Fear? Or are so many really convinced that nothing they do will result in change?

[bloominga]

I agree with you all!! I am really tired of a few of the members doing all the work. I sure hope we are wrong!!! We have all been busting our butts to get this forum really fired up again!!

Maybe the other members don't really want to save their homes?? I am very disappointed because everyone sounds like they want nothing in the world more than save their home.

[bloominga]

Well, we need someone better at this 'figuring it out' than me. I am not a good salesman. I can make the products so who will step up and help us find out what the missing ingredient ??

[fredk]

Originally Posted by bloominga

I agree with you all!! I am really tired of a few of the members doing all the work. I sure hope we are wrong!!! We have all been busting our butts to get this forum really fired up again!!

Maybe the other members don't really want to save their homes?? I am very disappointed because everyone sounds like they want nothing in the world more than save their home.

Pretty judgemental there arent you ?

Plead your case ... ask for support ... but stop whing and critcizing .... it really wont get u anywhere

[nativelasvegan]

fredk - judgmental you say? We have been here for a long time. Been fighting for our mods that are not happening. There is a deep dark secret here that is afraid to be told.... BANKS ARE NOT DOING MODIFICATIONS! Call it what you like. A forum as been given to us FREE. We are using it to promote a change that will hopefully lead to a government willing to revise the legislation as it currently exists. According to the numbers we have received via signatures on our petition, that is an intelligent conclusion... STOP WHINING AND CRITISIZING! That's right. The only thing that make a change here is a change in legislation. Whether we like or not, this is a political game. If we want to join together to be a force to be recognized, we will all agree that the legislation needs to be changed. This forum can be a source to share information but quite frankly, I want more. I want to hold the government accountable for my and my son's money under the guise of a so-called Taxpayer Assistance Recovery Program aka TARP. Be ready to join together or simply lay back, stay faceless and voiceless and collect free information. I reckon the choice is yours.

[bloominga]

fredk, the one thing that might be missing is trust in the 'brand' Loansafe.org if some have not been around very long. Now if we could get a sponsor for the 'Loansafe' product from a BIG, well known celebrity name it might draw people to it. Maybe the missing ingredient is a sponsor?? Heck, I am tired tonight and probably am not even close to the missing ingredient.

But, I don't know any famous celebrities.............

Hey, out there in Loansafe.org land!!!?? Any of you that are famous (not infamous) that will put your 'brand' behind our product????

[survivor]

And to add to Native, Fredk, these people on here having been working night and day to come up with this petition, while the rest sat to the side.(myself included) THEY ASKED for input, from everyone, so if there is something in there they don't agree with, too bad, they should have spoke up and put in their two cents. They did a wonderful job.

Those that don't sign, then they do not have to, but they can't sit back and whine themselves afterward, that they lost their home. Why are they bothering to figure out how to save it, if they don't want to fight for it?
And, also, no disrespect to any of you, but this is directed to Thanks2u also, why should they seek to see whats wrong? Input should have been added at the time of drafting.

[caldwellb02]

Put your curser on the url.

right click

choose "copy shortcut"

Go to your e-mail

Click "new"

Open a new message

Right click

click "paste"

The petition is there.

Then send it to everyone you know.

[darlyj]

DH signed, I did not because I am not technically a homeowner and do not want some jerk trying to discredit the petition because of it. Silly maybe but I do appreciate the work you all do and certainly do not want to take a chance jeopardizing any of it.

[bloominga]

Now, wait a mniute. I signed, I sent it out to everyone of importance just like everybody else so I very much resent the attitude towards my question of saying that we should look at this. Maybe fredk has a point!! It wouldn't hurt to try and figure out why it is not being signed.

You're now insulting me too and I worked very hard to do my part for this.

There has to be some reason why 19,950 members are not signing it other than they are lazy and just want to feed off the knowledge of everyone else here!!!

Okay Mr. fredk, do you have any brilliant ideas why this isn't getting signed by zilions of people when it is written brilliantly and so many people butes their buns to get it distributed?????

To coin a phrase from Native....put up or shut up!!

[caldwellb02]

I agree bloom. I've spent many hours trying hard to help people here.

I don't knwo what fred's prob is, but I'm gonna try and breathe and give it a few days. Not everyone is on this as often as we are.

PEOPLE WE NEED YOU!

[nativelasvegan]

daryl - there is no discredit in the petition for signing as a non-homeowner. I was hoping to make a point that not only are homeowners going to suffer from the misuse of TARP funds, but all Americans. The petition provides that we want the legislation to change. You do not have to be a homeowner to sign the petition. We want the economy to stabilize and maybe even increase. It is not merely the homeowners who suffer here, it is the economy as a whole. The petition is our attempt to make sure the government knows that we will hold them accountable for our taxpaying dollars. If you have paid taxes, you have a vested interest in our plight. Please do not hesitate in signing the petition. You are more than welcome here. Most of us have spent hundreds of hours here free. Why? We care. We want to help. If we can share our experience and save that next person hours worth of research, we can sleep a little better at night. None of us are getting paid to be here. If you don't pay taxes, well, I guess you won't worry about the Billions of taxpayer dollars that has been wasted. If you have paid taxes, please do your part, join us in our fight to make the government accountable and let's make a difference.

[fredk]

Originally Posted by bloominga

Now, wait a mniute. I signed, I sent it out to everyone of importance just like everybody else so I very much resent the attitude towards my question of saying that we should look at this. Maybe fredk has a point!! It wouldn't hurt to try and figure out why it is not being signed.

You're now insulting me too and I worked very hard to do my part for this.

There has to be some reason why 19,950 members are not signing it other than they are lazy and just want to feed off the knowledge of everyone else here!!!

Okay Mr. fredk, do you have any brilliant ideas why this isn't getting signed by zilions of people when it is written brilliantly and so many people butes their buns to get it distributed?????

To coin a phrase from Native....put up or shut up!!

I think a lot of people, I would include myself in theis group, think it is a non productive exercise.

If you really want more signers from here do something to get it posted right out front when people enter the website.... hit them in the face with it !!

[caldwellb02]

Jesus Christ. You want it fed to you on a silver platter? We are not the webmasters. We are just like you. WE DO NOT HAVE THE CONTROL OF THE WEBSITE AND CAN'T PUT THE PETITION UP FRONT.

Come on! Do YOU want to do something about this mess? Or do you just want the benefit of the experienced advice here and don't care a fig about the rest of the homeowners. If that's the case, get off of this forum.