New Friends Chat!

[caldwellb02]

AZ - next weekend is open?????

Everyone else - good morning! Just woke to a post from Mountain Life that says my investor, Deutsche is ruthless and begins foreclosure right at the three month mark. that's where I am. I don't know why it scared me. I know it is comining. I do have the money to pay the first this month, but if I pay it I won't have it next month so what's the diff?

I need to do more research into Deutsche. They were not my original lender, and I've never gotten anything in writing to say that they were my lender.

Anyhow, off to check the petition and get ready for work

Love y'all

[bloominga]

Good morning to all! If you have already gone to begin your day, I wish you a safe trip! I know booggs, I was so thankful that I was able to work from home too. Not the reason but because it did let me keep working. The trip all the way down to Atlanta would have been too much for my old body.

I am going to get caught up on some postings to my list of contacts so we keep the momentum going and I made an appt. to get my hair cut this afternoon.

Yesterday was so wonderful that it will be hard to beat!

Booggs, so glad that you are feeling better. I was worried with the pig flu going around.

Caldwell, if there is any research I can help you with for Deutsche please let me know. It's a crime they are mostly all ruthless in one way or another.

Arlyn, I will pray for you today.

Catherine, dear Catherine.......HUGS and have a great day. I know reading those meters doesn't compare to last night's joy and elation but I know you are thankful for the job. I haven't been driving so am taking care of DH knee so he won't suffer too much getting me into town. We live in the boonies so any trip to town becomes a major journey.

Ama, I know you will have fun getting at the house. Hey, it's something different.

AZ, please know that I will be thinking of you. You are so fortunate to have all your family close to you. Cheesecake is one of my favorites. I will try to keep the petition at the top of the postings until I leave for the haircut. I copied your welcome and will try to grab the new folks the best I can.

Native, welcome back!

I love you all for being my best friends and being patient as I learn more about all this. I don't feel comfortable answering some of the questions since I am so new at this but will help in other ways to share the work.

Faith, if you are out there we love you and thank you for your concerns. You are always looking out for everyone else so please take care of yourself too.

Sorry if I forgot anyone. Faith always remembers everyone's names. I'll get started on all the loansafe tasks.


HUGS!!

[ama125]

Originally Posted by caldwellb02

AZ - next weekend is open?????

Everyone else - good morning! Just woke to a post from Mountain Life that says my investor, Deutsche is ruthless and begins foreclosure right at the three month mark. that's where I am. I don't know why it scared me. I know it is comining. I do have the money to pay the first this month, but if I pay it I won't have it next month so what's the diff?

I need to do more research into Deutsche. They were not my original lender, and I've never gotten anything in writing to say that they were my lender.

Anyhow, off to check the petition and get ready for work

Love y'all

Yeah, this whole business of selling off mortgages makes no sense to me (although, most financial stuff makes no sense to me!). I took out my loans with the builder's parent company. I have a neighbor who used to work for them as a loan officer but she was let go and is now struggling but staying afloat. She told me they very quickly would turn around and sell them on the secondary market. Had I not fallen behind in payments, I would have had no clue who my money has been going to and I still have no idea how long Fannie Mae has owned my loan. All we ever get is notice when the servicer has changed and where to send your payments, never who the payments are actually going to. Sure would be nice to be kept in the loop on these things or have a say in the matter! What kind of business operates this way?! It is all so crazy to me!

[bloominga]

Believe, I'm so sorry!!! I knew I would forget the most important people. I love hot dogs but I also like fried green tomatoes, which reminds me of another movie I liked.

Took a look at the South Park episode and finally remembered it but not before it was almost finished. That's good when I remember things.

Have a wonderful day........HUGS!!

[caldwellb02]

Back for one more hit on this thread. My stomach is churning. Finding out about how to contact Deutsche is proving to be pretty difficult. I did find one post that said they started playing on the modification front in August, but can't find any confirmation. I don't like being scared. It comes so easily. I've always had this thing about being bushwacked by something I didn't expect at all, and I see that that is what is going on with me right now. I need to get educated all over again. God I am tired of this.

[bloominga]

Caldwell, if I can think of something I saw during my research a couple of weeks ago I'll try to find it in my notes.

I know that feeling is not good. I hate this whole mess too and some of you have been fighting it way too long!

[Believe]

Good morning everyone, and thank you so much for all your hard work over the past couple of days. We are on a roll! Richard's article is awesome, and I LOVE the title! There is NO WAY we are being ignored by Washington, the bankers, and the media right now. They hear us, but they're still trying to figure out what in the he!! to do with us. They better figure it out soon. We are an impatient bunch of people here, and we're not backing down. We are a force to be reckoned with. And the best part is, we're starting to like what we're doing!

[AZOwner]

To the most wonderful people in the world. When I actaully started posting here (hum, just weeks ago?), I never would have imagined the friends I would look forward to waking up to every morning!

caldwell, do not dispair. Please let me know what you need and what I can do? You need first month rent? You need movers? You need a vacation? Want to come to AZ? I will get you a plane ticket and you can stay with me, the hubby, the 3 littles (or not so little anymore), and the dogs. You can come to coffee with Mom and I Saturday morning at the Wild Flower Bread Basket and join in the fun of Family dinner on Sunday. We would love to have you. You have a rock wall to lean on when you need it, with all of us here. We love you!

native, Catherine, bloom, believe, ama, Arlyn, boggs, and GARY (where's my email GARY, we were going to talk, but I can't post my phone number HERE!) -- may the warmth of the love in our little group, the generosity of each of you, the spirit to fight for what is right regardless of the odds, make you smile when you need one, put your mind to ease, and provide some comfort.

You each make me so very happy every day, and restore my faith in human kind.

Truly, you are all welcome in my home any time. You will never be homeless as long as I have a home. I promise.

Somthing ventured is something gained.

[caldwellb02]

OmG AZ. what a wonderful offer. I am not ready to move yet (no NOD). I am scared to death underneath all the bravado that may appear on other threads. I cannot accept the plane ticket becaue there is absolutely no way to repay you (besides, it costs an arm and a leg to get anywhere from Humboldt County by plane, believe me). But I would love it. I do get lonely.

I can't believe I couldn't understand at first why people posted here. It is my rock. You are my rocks. I am scared right now. I'll get over it. But I am really scared. I ahve to be so strong at work (I'm the director) and I am chair of all sorts of things and people think I don't need help and I do. And I know you all understand that.

Thank you thank you for being here/there. I cannot believe what comfort you give me.

[AZOwner]

Okay then, I guess I'll be plane hoppin. . . . and it's not about repaying. It's about being present when you need, or are needed, and YOU know that probably more than anyone else here.

I will call you.

XOXO

PS Can I sleep on the couch?

[ama125]

caldwell, if I could just go buy your loan from those stupid a-holes at Deutsche I would! I know you are scared right now and I feel your pain. Hang tight...we've got your back!

[bloominga]

I have only been here a few weeks myself but I feel like we have all been friends since forever. I talked to Catherine today and said have so many roll over minutes that i'm going to start calling one of you each day instead of letting the minutes go back to wherever they come from.

I so needed all of you. I have no family close to GA and my brother lives in Ashtabula, OH. Y'all would love it up here in the mountains. I have no one close to me and it's heaven. My door is open for any of you.

With so many of us, none should ever be homeless. We'll chip in for a plane ticket or whatever is needed. I know it's much further to GA but that's okay.

I will always share whatever I have with any or all of you. That is such a wonderful feeling to have only known you for a few weeks and feel so loved. My mom and dad are both gone but they really weren't the sharing kind.

Caldwell, I have thought about you all day and being alone anytime is bad but right now has got to be tough. Whatever I can do for you or anyone else please let me know. You could never insult me EXCEPT if I found out any of you needed help and you did not allow me to help you.

There is such renewed hope running through me now. The last couple of days make me think that it is very possible that all this will turn out so we will at least come out of this fight with our homes.

If we don't, we will still have our families and our dear friends here.

Everyone have a really good night. HUGS and blessings.

[Fedup]

Caldwell and all,

Don't take this as a let-down, but in trying to make any personal contact with Deutsche Bank, but if you happen to get through, you will be probably talking to the janitorial supply room on the 3rd floor basement.

Deutsche Bank (DB) doesn't care about you and me, 18% of home mortgages in the USA are securitized as in Asset-Backed Certificates etc. These are Preditory and Toxic loans where we have recourse. We were duped as in, planned by design to fail, either way they make money in fees! (DB) answers to its Investors only, (DB) didn't "lend" any money, they never did, they didn't have the money to begin with. They only "manage" large investment "pools" for the true "investors".

I'd like to offer something I found totally "laughable" on my original Certified Copy of my Default Notice sent to me by Recontrust Company.....but as I sit here tonight I need to run this by my attorney first before I make it public because it may be further ammunition for me.

Calwell, these people (DB) are so well insulated as I'm sure you already know. Here's something that may give you an idea about (DB) from Wikipedia.....

Deutsche Bank - Wikipedia, the free encyclopedia

Source relibility on Wikipedia can be an issue at times, but there's always a tid-bit or two of learning. Also have any of you taken into consideration a massive, well articulated and designed "Ponzi Scheme" that could be attributed to this 18% rate of failure I mentioned earlier? Here's another link from Wikipedia.....

Ponzi scheme - Wikipedia, the free encyclopedia

Just so you all know, at this point in time I can only provide so much on a public forum, and I've also been told to install a zipper on my lips for the time being sooooo.....until then!

Gary

[bloominga]

I got interested in helping Caldwell research this. I had already found some interesting things such as 'Spying scandal' . I found the items that aroused my initial curiousity while rummaging through the SEC filings while doing research on Green Tree.

I have found it extremely interesting how I can find documents and form a sort of 'genealogy' of the banks, etc involved and how these events may have fit together back to before the Depression.

I guess I am an investigative reporter wannabe.

Thanks for the info.

[Fedup]

Blooming,

Keep it up WTG, this whole thing is such a massive web of deceipt and fraud it's mind boggling how it fell below the "radar" of scrutney for so long.

You know since we're all doing our own individual form of research on this scam, I've got something in mind that we may be able to do to further expose it and the "real players" involved! More on that tomorrow.....some thinking is required on my part.

Thanks Blooming, you got my creative side going again!

Gary

[Fedup]

One more thing for all to think about.....do not allow the Health Care Reform Bill to pass.....why?.....It, the Bill will be Securitized in its entirity!

Gary

[Catherine]

Dearest to our hearts Ann,



I read your posts full of honesty with the feelings that take over. Even in a house full of people it was here I found any kind of peace when other's knew how hard this gets and what it does to what you thought used to be normal. I tried to play their game using my idea of showing them a common sense solution to keeping my home. Taking my lender's advice in hindsight was a huge mistake. Yes, at least what I dealt with once you hit three months behind it is game on for them to foreclose. I hated being here when I couldn't make the payments. People have talked about staying for months for free to save money. I was in that mode to survive when they took my home. Believe you me it did not come free. I barely left my room, every project sat untouched, my heart had been broken when my loan adjusted missing that first payment. All those years I spent fixing it up became so what none of that mattered anymore I am losing this game they set me up to fail. The deep cry from holding onto hope and losing it is one of the hardest places that took months to pull out of. I wish I could give you advice to make this all better and get your lender to the table. If it was me waiting on NACA I would try not to get three months behind. When that happened to me I was passed off to the next department to finish what loss mitigation had started. Finding an Attorney in foreclosure defense has become my last hope. Although I am still here due to Chapter 13 protection in all reality nothing has changed except more time to TRY to get my loan into something that will allow me to keep my home. When you think your all alone and some of us do with a house full your not. Although I can't change how your feel I can tell you one of the main reasons this thread was started is for exactly how you feel right now. The physical and emotional toll this took had I not had my friends here I can't imagine where I would be today. For any of us when this gets bad and it will sharing it is like therapy to keep trying to pick yourself and keep moving forward. There is a group here that every single one of us have our arms around you right now!!! From our hearts to your Ann however this works out please don't let it take away from the incredible woman you truly are. Try to see what we do, not what the banks want to believe so you give up. That same advice was given to me a time or two. LOL, sometimes I heard it too and it helped Catherine

[booggs28]

Ann: I have been searching all morning for anything I can find on ****** for you here's an article and notice who it is written by Deutsche Bank Foreclosures Tossed Out of Ohio Federal Court – “They Own Nothing!”

I don't know how or if this info may be of help to you, however, knowledge is power right? I will continue on my hunt

[Catherine]

Oh dang I forgot to share and say thank you for your prayers!!! I wrote the Attorney in my area Patricia and Attorney Walter about becoming a team. They both wrote back they would love to be on board to take this to the next level. What now? I don't know I just want my lender brought to the table in an honest manner by those that can see through the lies that will stop them from ever making me a victim of their hidden motives. It is still beyond my understanding how my loan, lender, investor, the whole damn list on my NOD really works. Good job Booggs knowledge is power. You go girl. Your posts hit the heart of this everytime, Catherine

[booggs28]

Ann: here's more - hope I'm not on information overload - Investigation Into Deutsche Bank | MFI DC

[booggs28]

holy hell catherine - i just noticed ****** is your investor too - can you say schmuck??? that would be me - I'm searching for you too dang it I need to pay closer attention - stay hott booger- (that's what my hubby says when I do something silly)

[ama125]

Catherine, I didn't know you had Deutsche too until this morning. Oh ladies, I do hope things work out for you. I will pray for you that it does!

In other news, I had two crappy nights of little sleep in a row now. It stinks being on the East Coast...I'm 3 to 4 hours ahead of you all so when the threads are hopping at 8PM your time, it is getting way late on my time. Couldn't help myself last night on this forum, so much posting going on...it really can be addictive! Anyway, I was turning in for the night around midnight when my two year old woke up so I went in to try and get him back to sleep. I rocked him and he was out but wouldn't let me put him down in the crib. So, I thought I'd just put him in my bed...so I walk out of his room and see that my 4 year old's door is wide open and he is calling for me from my room. Now, I do have a king size bed, but my older one sleeps right up next to me and the younger one decided it was time to be wide awake and chatty (well, he doesn't actually say much...he is in speech therapy...another story, another stressor!). Anyway, he was up for a good hour before I said to heck with it and just put him in his crib crying loudly. I had to shut my door and turn off the monitor just so I could get some sleep and then I woke up at 5:15 groggy but completely unable to fall back asleep...no big deal though as my 4 year has decided that 6AM is the new wake up time. I hate daylight savings! It totally screws up the little ones sleep cycles! So, I feel like the walking dead today! I've had my coffee and a piece of toast. When I don't get enough sleep, I feel nauseous in the morning even if I am hungry. I hope the day goes well. I think I'll be hitting the sheets at 8 o'clock tonight! Sometimes I can't shut my brain off. I guess this forum is like caffeine for me...keeps me up! Maybe I need to stay away when it is getting late LOL!
Have a lovely day all!

[booggs28]

ama I just saw this and I so can share your sleeplessness and stress - senor poopsalot is cutting more teeth and has been for over a month now - he's 10 months and I have had about 4 hrs per night not consecutive mind you lol - abbey is 2 and when she hears him crying she's up too - I have queen size bed and they both are literally on top of me -arrrrrggghhhhhh

I have three other kids as well, 20, 10 and 12 and thank the good lord they actually sleep - baaaahaaaa - my hubby isn't much assistance even tho' he's here every evening but if the little ones wake up he pretty much turns over and pulls the covers over his head - I've seriously thought of "pillow therapy" on him as in I smother him and then blame it on lack of sleep and post pardum depression. lol not that I would actually do it, but the thought is there nonetheless - I have asked for one thing for christmas from all of my family - one weekend in hotel no kids no husband - that's all I want just a weekend to sleep -

anywho, I just wanted to let you know you are sooooo not alone.

best of day to you
booger

[booggs28]

Does this information help anyone right now that cannot afford to retain a lawyer?

Pro Bono Directory - California

[ama125]

Originally Posted by booggs28

ama I just saw this and I so can share your sleeplessness and stress - senor poopsalot is cutting more teeth and has been for over a month now - he's 10 months and I have had about 4 hrs per night not consecutive mind you lol - abbey is 2 and when she hears him crying she's up too - I have queen size bed and they both are literally on top of me -arrrrrggghhhhhh

I have three other kids as well, 20, 10 and 12 and thank the good lord they actually sleep - baaaahaaaa - my hubby isn't much assistance even tho' he's here every evening but if the little ones wake up he pretty much turns over and pulls the covers over his head - I've seriously thought of "pillow therapy" on him as in I smother him and then blame it on lack of sleep and post pardum depression. lol not that I would actually do it, but the thought is there nonetheless - I have asked for one thing for christmas from all of my family - one weekend in hotel no kids no husband - that's all I want just a weekend to sleep -

anywho, I just wanted to let you know you are sooooo not alone.

best of day to you
booger

Can I join you in that hotel room? Adjoining rooms maybe? LOL! My neighbor has two kids the same age as mine and just had a baby in Sept... I feel for her! I couldn't imagine if I had a newborn right now on top of all of this!