Don't Just Sit There - File A Complaint!! - Loan Modification Forum

JacMac · 02-01-2008, 08:42 AM

So you're Mortgage Broker screwed you royally and you are :

P

I

S

E

D OFF! ! !

WELL I DON'T BLAME YOU!

What are you going to do about it?

FILE A COMPLAINT:

Here in New York mortgage brokers are governed by the New York State Banking Department. But in my dealings with them, I filed a complaint and basically the broker said, Oh, no, she's lying. Here's my fraudulant document that I made to prove that she knew about my outrageous Yield Spread Premium, the terms of the loans and the prepayment penalty and the Senior Bank Official at the Banking Department said, "Okay" -- basically, I don't think they WANT to enforce their rules.

So I went further. Here in New York the Governor formed the Halt Task Force:

What is it?

The interagency HALT Task Force was formed by Governor Eliot Spitzer in early 2007 to address the issue of predatory lending in New York State.

The task force is charged with: exploring regulatory reform; pursuing enforcement; creating statewide outreach and educational opportunities; and developing loan and refinance programs.

This is a newly formed Agency -- there may be one in your state, too. Do an internet search to find out.

You can file a complaint with these organizations if you live in New York but remember, if you're not in New York, you can do an internet search for the equivalent governmental bodies in YOUR STATE and file complaints with them.

Members of the New York State Halt Task Force:

For Country wide Govermental Authorities scroll down to the bottom of this list

State of New York Banking Department
(877) BANK-NYS
www.banking.state.ny.us

State of New York Consumer Protection Board
(800) 697-1220
www.nysconsumer.gov

State of New York Department of State
(518) 474-4429
www.dos.state.ny.us

State of New York Division of Housing and Community
Renewal
(518) 473-2526
www.dhcr.state.ny.us

State of New York Division of Human Rights
(888) 392-3644
www.dhr.state.ny.us

State of New York Governor’s Office of Regulatory Reform
(518) 486-3292
www.gorr.state.ny.us

State of New York Mortgage Agency
(sonyMa)
(800) 382-HOME
www.nyhomes.org

You can also search to see if your mortgage broker is a member of the New York Association of Mortgage Brokers

http://www.nyamb.org/htdocs/directory.asp

PLACES TO COMPLAIN TO NATIONALLY:

You can also file a complaint with the FBI -- look for the field office in your state and find the location of their headquarters. http://www.fbi.gov/contact/fo/fo.htm

This is the web address for the one in New York http://newyork.fbi.gov/

New York Field Office
Federal Bureau of Investigation
26 Federal Plaza
New York, New York 10278
(212) 384-1000

File a complaint at STOP MORTGAGE FRAUD. COM

http://www.stopmortgagefraud.com/

WRITE A LETTER TO CONGRESS SUPPORTING THE CENTER FOR RESPONSIBLE LENDING IN THEIR QUEST TO ENSURE THE SUBPRIME CRISIS NEVER HAPPENS AGAIN:

http://ga3.org/campaign/supportS2452/

Fill out the on line form with your email name and adress -- the letter is already written for you! Once you put in your information, just one click, and you can send other letters supporting other legislature.

About the proposal: "Senator Dodd and other leaders in the Senate have introduced the "Mortgage Reform and Anti-Predatory Lending Act of 2007" (S. 2452). The proposed legislation would go far in protecting families from abusive subprime mortgages."

WRITE A LETTER TO CONGRESS SUPPORTING THE CENTER FOR RESPONSIBLE LENDING IN GETTING THE HR 3609-EMERGENCY HOME OWNERSHIP AND MORTGAGE PROTECTION ACT PASSED. Fill out the on line form with your email name and adress -- the letter is already written for you!
http://ga3.org/campaign/SupportHR3609

About the HR 3609-Emergency Home Ownership and Mortgage Protection Act:

"Protect all homeowners by offering subprime victims a fair chance to avoid foreclosure.

Rep. Brad Miller (D-NC), a member of the House Financial Services Committee and Rep. Linda Sánchez (D-CA), Judiciary Subcommittee Chairwoman on Commercial and Administrative Law have introduced legislation that will prevent hundreds of thousands of Americans from losing their homes by allowing them access to bankruptcy relief."

COMPLAIN TO YOUR GOVERNMENT OFFICIALS AT ACORN. This site will let you send an email to all three of your government officials (The president, your Senator and House Representative in one shot)

http://www.acorn.org/index.php?id=10822

FILE A COMPLAINT WITH THE BETTER BUSINESS BUREAU IN YOUR STATE:

http://welcome.bbb.org/ Search to see if your mortgage company is registered with the BBB here: http://search.bbb.org/searchform.aspx

SUBMIT A COMPLAINT TO THE COMPLAINT BOARD

http://www.complaintsboard.com/new_complaint/

FILE A RESPA COMPLAINT WITH HUD:

http://www.hud.gov/offices/hsg/sfh/res/respamor.cfm#UR

THE FEDERAL TRADE COMMISSION GOVERNS TILA VIOLATIONS. FILE A COMPLAINT WITH THEM:

https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

There's an extensive list of places to complain about Mortgage Fraud here some the information is repeated but it's worth a look http://www.MortgageNewsDaily.com/Mor..._Resources.asp

JacMac · 02-01-2008, 11:01 AM

Rip Off Report http://www.ripoffreport.com/login.asp Register here to file a complaint against your mortgage company.

Also look them up online on the yellow pages and in different search engines. The sites I found asked me to review them

-- oh really!!!!

I think I will!!!!

More to come as I find them.

JacMac · 02-02-2008, 04:46 PM

Courtesy of Faith: CONSUMERAFFAIRS.COM

http://www.consumeraffairs.com/php/a_report.php

View others stories about Countrywide here:

http://www.consumeraffairs.com/finan..._mortgage.html

MiaRoman · 02-07-2008, 04:07 PM

What if the lender already went 'belly up' and declared bankruptcy last summer - lender is First Magnus.

JacMac · 02-07-2008, 04:11 PM

I'm not sure. You might want to follow up with whoever is servicing your loan now, in terms of having them repair the damage that's been done. You might also consider filing complaints against your Mortgage Broker, if you believe they defrauded you.

I don't think, unless the company filed bankruptcy but emerged again as another company that there's much you can do against them. Maybe someone else can chime in here.

Moe Bedard · 02-07-2008, 04:26 PM

The majority of First Magnus loans were bought by Countrywide , Wells Fargo, and Washington Mutual......
Who do make your payments out to?

elpjohnson · 02-07-2008, 04:43 PM

Wow!!! This is some really great information....I've already logged on to quite a few of the sites you listed, Sabine. Thank you so much for helping out around here, I look forward to reading all of your posts...you are a true advocate for all homeowners in crisis. Bravo!

JacMac · 02-07-2008, 04:46 PM

Oh, thank you Erika.

It's the least I can do. But a lot of other people are helping out, too. The list of the phone numbers for the Banks, I think Tom put something up (I can't remember his handle here) so we're all helping each other, and that's what makes this a very special place!

02-07-2008, 05:54 PM

First Magness did the majority of their loans as Agency loans, very little Alt -A until late in the game. Check your loan, if it is a fixed rate with First Magness, probably Agency - FNMA/FHLMC or FHA/VA. If it is an ARM....Country Wide, Aurora, Chase, and EMC. They were a client site for me at one time.

leap4juls · 03-20-2008, 09:16 AM

Hi Sabine,
I copied your list to add to my list of places I need to contact. I thought this Federal Reserve list was one along with some of their links a bit more specific to individual needs.

The Federal Reserve : If your bank is controlled by the Fed Res.
the following links will be helpful.

They have a new consumer line to call (below), and accept complaints via the email address below. Any additional documents should be sent to the Minneapolis address, no matter by which Bank your respective bank is covered, this address is the receiver who send on to the appropriate Federal Reserve Bank. It is there that they assign your complaint to an examiner. Include any review. Also any and all documents. They say you can't send too much information. They want it all.

I found out about this a little too late. They take about 60 days to examine your file. I don't have 60 days. My lender Popular is trying to foreclose on me now. I will be sending my complaint anyway. I want to see that the involved parties are reported to the appropriate authorities. And they will take action if they find federal crime.

Below is the actual address to send documents, reviews of documents, any other info on your situation

Contact us

Contact a Federal Reserve customer service representative today.

Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480

ConsumerHelp@FederalReserve.gov

888-851-1920 (Phone)
877-766-8533 (TTY)
877-888-2520 (Fax)

This is Federal Reserve Foreclosure Information
FRB: Foreclosure Resources for Consumers

This is a link to Fed Reserve ARM resource and information
FRB:Consumer Handbook on Adjustable-Rate Mortgages

Here is the link to place a complaint or read about what can be done
Federal Reserve Consumer Help

They have also been a great source of information.
They are very consumer friendly. In fact, I would say they were very helpful and informative. They are exceptional with Consumer Relations.

I have not been through their process, but they have been great thus far.

msamdawson · 04-29-2008, 11:15 AM

I have wondered if I could file a complaint against the lender because I didn't receive a good faith estimate until the day we were supposed to close and that was only because I needed to know how much to bring to closing. Additionally, I was not aware of the PMI attached to my loan until i saw it listed there which was $232 a month!! i almost died and didn't realize i could have backed out of that loan.

DaveandBrandy · 05-14-2008, 11:36 AM

I was wondering if we could file a complaint. None of our copies have signatures on them. We also never received the sheet that tells us where our money went to. Do we have a valid complaint? Our papers were also not notorized in front of us.

Moe Bedard · 05-14-2008, 12:03 PM

DaveandBrandy,

You don't receive copies with signatures at the closing.......the only thing that has a signature on it is the HUD, and Buyer Settlement Statment........the rest do not have any signatures.....
when you say that you didn't receive the paper that says where your money went to.........do you mean the HUD?

A notary not being there who has to witness your signature and is signing to that fact is a violation.......

Where was the closing at?....ie.....Title Company, Brokers office.......

In order to find any and all violations of RESPA and TILA you would need a doc review which is offered on this site on the left side of the forum......

DaveandBrandy · 05-14-2008, 12:38 PM

We signed all of the papers in our kitchen

RudyJay · 05-14-2008, 01:16 PM

*** we signed papers at the brokers office but no notary either.. the copies of hud and buyer's settlement we have no signatures.. For us we have someone elses' bank account and asset..Is this legal?

Moe Bedard · 05-14-2008, 02:11 PM

If you both feel that you have violations of RESPA and TILA from your closing you need to consult with an attorney..........
I am not an attorney.........so I would not be able to tell you what is or isn't legal in your states and how closings are conducted in them..........

We do offer the Loan Document Reviews here on Loan Safe if you feel that your loan was predatory in nature.....

Taradalejr8 · 07-23-2008, 12:15 PM

I just called them and they are very helpful. Told me who I needed to contact. I would highly suggest calling them to anyone who needs help.

backlso · 08-27-2008, 06:25 AM

Hi I am in a similar situation. Who was it you called?
Thanks,
Sofia

HappyHome · 08-30-2008, 08:16 PM

I was too! Me too, no Notary..! and I think the RE lady was actaully a Broker I KNOW because I am BROKE-ER! and she lied about alot! Please where do I call to find out? I want to report her to Real Estate Board, I want a Atty. I need to do this fo r my sanity.. as I sit here and Possibly do my last 300 days
Once I search ALL my Options!

riskey58 · 09-04-2008, 02:15 PM

Quote:

Originally Posted by elpjohnson

Wow!!! This is some really great information....I've already logged on to quite a few of the sites you listed, Sabine. Thank you so much for helping out around here, I look forward to reading all of your posts...you are a true advocate for all homeowners in crisis. Bravo!

I agree some really great information. Really interesting. It is good to know that there is someone out there who cares. You don't find it that often.thankyou

02-01-2008, 08:42 AM	#1 (permalink)
JacMac Successful Homeowner Join Date: Nov 2007 Location: New York Posts: 231 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Don't Just Sit There - File A Complaint!! So you're Mortgage Broker screwed you royally and you are : P I S S E D OFF! ! ! WELL I DON'T BLAME YOU! What are you going to do about it? FILE A COMPLAINT: Here in New York mortgage brokers are governed by the New York State Banking Department. But in my dealings with them, I filed a complaint and basically the broker said, Oh, no, she's lying. Here's my fraudulant document that I made to prove that she knew about my outrageous Yield Spread Premium, the terms of the loans and the prepayment penalty and the Senior Bank Official at the Banking Department said, "Okay" -- basically, I don't think they WANT to enforce their rules. So I went further. Here in New York the Governor formed the Halt Task Force: What is it? The interagency HALT Task Force was formed by Governor Eliot Spitzer in early 2007 to address the issue of predatory lending in New York State. The task force is charged with: exploring regulatory reform; pursuing enforcement; creating statewide outreach and educational opportunities; and developing loan and refinance programs. This is a newly formed Agency -- there may be one in your state, too. Do an internet search to find out. You can file a complaint with these organizations if you live in New York but remember, if you're not in New York, you can do an internet search for the equivalent governmental bodies in YOUR STATE and file complaints with them. Members of the New York State Halt Task Force: For Country wide Govermental Authorities scroll down to the bottom of this list State of New York Banking Department (877) BANK-NYS www.banking.state.ny.us State of New York Consumer Protection Board (800) 697-1220 www.nysconsumer.gov State of New York Department of State (518) 474-4429 www.dos.state.ny.us State of New York Division of Housing and Community Renewal (518) 473-2526 www.dhcr.state.ny.us State of New York Division of Human Rights (888) 392-3644 www.dhr.state.ny.us State of New York Governor’s Office of Regulatory Reform (518) 486-3292 www.gorr.state.ny.us State of New York Mortgage Agency (sonyMa) (800) 382-HOME www.nyhomes.org You can also search to see if your mortgage broker is a member of the New York Association of Mortgage Brokers http://www.nyamb.org/htdocs/directory.asp PLACES TO COMPLAIN TO NATIONALLY: You can also file a complaint with the FBI -- look for the field office in your state and find the location of their headquarters. http://www.fbi.gov/contact/fo/fo.htm This is the web address for the one in New York http://newyork.fbi.gov/ New York Field Office Federal Bureau of Investigation 26 Federal Plaza New York, New York 10278 (212) 384-1000 File a complaint at STOP MORTGAGE FRAUD. COM http://www.stopmortgagefraud.com/ WRITE A LETTER TO CONGRESS SUPPORTING THE CENTER FOR RESPONSIBLE LENDING IN THEIR QUEST TO ENSURE THE SUBPRIME CRISIS NEVER HAPPENS AGAIN: http://ga3.org/campaign/supportS2452/ Fill out the on line form with your email name and adress -- the letter is already written for you! Once you put in your information, just one click, and you can send other letters supporting other legislature. About the proposal: "Senator Dodd and other leaders in the Senate have introduced the "Mortgage Reform and Anti-Predatory Lending Act of 2007" (S. 2452). The proposed legislation would go far in protecting families from abusive subprime mortgages." WRITE A LETTER TO CONGRESS SUPPORTING THE CENTER FOR RESPONSIBLE LENDING IN GETTING THE HR 3609-EMERGENCY HOME OWNERSHIP AND MORTGAGE PROTECTION ACT PASSED. Fill out the on line form with your email name and adress -- the letter is already written for you! http://ga3.org/campaign/SupportHR3609 About the HR 3609-Emergency Home Ownership and Mortgage Protection Act: "Protect all homeowners by offering subprime victims a fair chance to avoid foreclosure. Rep. Brad Miller (D-NC), a member of the House Financial Services Committee and Rep. Linda Sánchez (D-CA), Judiciary Subcommittee Chairwoman on Commercial and Administrative Law have introduced legislation that will prevent hundreds of thousands of Americans from losing their homes by allowing them access to bankruptcy relief." COMPLAIN TO YOUR GOVERNMENT OFFICIALS AT ACORN. This site will let you send an email to all three of your government officials (The president, your Senator and House Representative in one shot) http://www.acorn.org/index.php?id=10822 FILE A COMPLAINT WITH THE BETTER BUSINESS BUREAU IN YOUR STATE: http://welcome.bbb.org/ Search to see if your mortgage company is registered with the BBB here: http://search.bbb.org/searchform.aspx SUBMIT A COMPLAINT TO THE COMPLAINT BOARD http://www.complaintsboard.com/new_complaint/ FILE A RESPA COMPLAINT WITH HUD: http://www.hud.gov/offices/hsg/sfh/res/respamor.cfm#UR THE FEDERAL TRADE COMMISSION GOVERNS TILA VIOLATIONS. FILE A COMPLAINT WITH THEM: https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01 There's an extensive list of places to complain about Mortgage Fraud here some the information is repeated but it's worth a look http://www.MortgageNewsDaily.com/Mor..._Resources.asp __________________ Jac Mac (Sabine) *I fought Countrywide & saved my home* ______________________________________ The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Please Read our Privacy Policy and Legal Disclaimer Last edited by JacMac; 02-07-2008 at 04:52 PM..

02-01-2008, 11:01 AM	#2 (permalink)
JacMac Successful Homeowner Join Date: Nov 2007 Location: New York Posts: 231 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! Rip Off Report http://www.ripoffreport.com/login.asp Register here to file a complaint against your mortgage company. Also look them up online on the yellow pages and in different search engines. The sites I found asked me to review them -- oh really!!!! I think I will!!!! More to come as I find them. __________________ Jac Mac (Sabine) *I fought Countrywide & saved my home* ______________________________________ The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Please Read our Privacy Policy and Legal Disclaimer

02-02-2008, 04:46 PM	#3 (permalink)
JacMac Successful Homeowner Join Date: Nov 2007 Location: New York Posts: 231 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! Courtesy of Faith: CONSUMERAFFAIRS.COM http://www.consumeraffairs.com/php/a_report.php View others stories about Countrywide here: http://www.consumeraffairs.com/finan..._mortgage.html __________________ Jac Mac (Sabine) *I fought Countrywide & saved my home* ______________________________________ The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Please Read our Privacy Policy and Legal Disclaimer

02-07-2008, 04:07 PM	#4 (permalink)
MiaRoman Junior Member Join Date: Feb 2008 Posts: 1 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! What if the lender already went 'belly up' and declared bankruptcy last summer - lender is First Magnus.

02-07-2008, 04:11 PM	#5 (permalink)
JacMac Successful Homeowner Join Date: Nov 2007 Location: New York Posts: 231 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! I'm not sure. You might want to follow up with whoever is servicing your loan now, in terms of having them repair the damage that's been done. You might also consider filing complaints against your Mortgage Broker, if you believe they defrauded you. I don't think, unless the company filed bankruptcy but emerged again as another company that there's much you can do against them. Maybe someone else can chime in here. __________________ Jac Mac (Sabine) *I fought Countrywide & saved my home* ______________________________________ The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Please Read our Privacy Policy and Legal Disclaimer

02-07-2008, 04:26 PM	#6 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! The majority of First Magnus loans were bought by Countrywide , Wells Fargo, and Washington Mutual...... Who do make your payments out to? __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

02-07-2008, 04:43 PM	#7 (permalink)
elpjohnson Successful Homeowner / Loan Safe Guide Join Date: Dec 2007 Location: Gold Country, Northern California Posts: 1,025 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! Wow!!! This is some really great information....I've already logged on to quite a few of the sites you listed, Sabine. Thank you so much for helping out around here, I look forward to reading all of your posts...you are a true advocate for all homeowners in crisis. Bravo! __________________ Erika 10 Month Success Story With Option One.

02-07-2008, 04:46 PM	#8 (permalink)
JacMac Successful Homeowner Join Date: Nov 2007 Location: New York Posts: 231 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! Oh, thank you Erika. It's the least I can do. But a lot of other people are helping out, too. The list of the phone numbers for the Banks, I think Tom put something up (I can't remember his handle here) so we're all helping each other, and that's what makes this a very special place! __________________ Jac Mac (Sabine) *I fought Countrywide & saved my home* ______________________________________ The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Please Read our Privacy Policy and Legal Disclaimer

02-07-2008, 05:54 PM	#9 (permalink)
Mary Salzer Guest Posts: n/a	Re: Don't Just Sit There - File A Complaint!! First Magness did the majority of their loans as Agency loans, very little Alt -A until late in the game. Check your loan, if it is a fixed rate with First Magness, probably Agency - FNMA/FHLMC or FHA/VA. If it is an ARM....Country Wide, Aurora, Chase, and EMC. They were a client site for me at one time.

03-20-2008, 09:16 AM	#10 (permalink)
leap4juls Senior Member Join Date: Oct 2007 Posts: 97 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! Hi Sabine, I copied your list to add to my list of places I need to contact. I thought this Federal Reserve list was one along with some of their links a bit more specific to individual needs. The Federal Reserve : If your bank is controlled by the Fed Res. the following links will be helpful. They have a new consumer line to call (below), and accept complaints via the email address below. Any additional documents should be sent to the Minneapolis address, no matter by which Bank your respective bank is covered, this address is the receiver who send on to the appropriate Federal Reserve Bank. It is there that they assign your complaint to an examiner. Include any review. Also any and all documents. They say you can't send too much information. They want it all. I found out about this a little too late. They take about 60 days to examine your file. I don't have 60 days. My lender Popular is trying to foreclose on me now. I will be sending my complaint anyway. I want to see that the involved parties are reported to the appropriate authorities. And they will take action if they find federal crime. Below is the actual address to send documents, reviews of documents, any other info on your situation Contact us Contact a Federal Reserve customer service representative today. Federal Reserve Consumer Help PO Box 1200 Minneapolis, MN 55480 ConsumerHelp@FederalReserve.gov 888-851-1920 (Phone) 877-766-8533 (TTY) 877-888-2520 (Fax) This is Federal Reserve Foreclosure Information FRB: Foreclosure Resources for Consumers This is a link to Fed Reserve ARM resource and information FRB:Consumer Handbook on Adjustable-Rate Mortgages Here is the link to place a complaint or read about what can be done Federal Reserve Consumer Help They have also been a great source of information. They are very consumer friendly. In fact, I would say they were very helpful and informative. They are exceptional with Consumer Relations. I have not been through their process, but they have been great thus far.

04-29-2008, 11:15 AM	#11 (permalink)
msamdawson Junior Member Join Date: Apr 2008 Location: Gaithersburg, MD Posts: 2 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! I have wondered if I could file a complaint against the lender because I didn't receive a good faith estimate until the day we were supposed to close and that was only because I needed to know how much to bring to closing. Additionally, I was not aware of the PMI attached to my loan until i saw it listed there which was $232 a month!! i almost died and didn't realize i could have backed out of that loan.

05-14-2008, 11:36 AM	#12 (permalink)
DaveandBrandy Senior Member Join Date: May 2008 Posts: 31 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! I was wondering if we could file a complaint. None of our copies have signatures on them. We also never received the sheet that tells us where our money went to. Do we have a valid complaint? Our papers were also not notorized in front of us.

05-14-2008, 12:03 PM	#13 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! DaveandBrandy, You don't receive copies with signatures at the closing.......the only thing that has a signature on it is the HUD, and Buyer Settlement Statment........the rest do not have any signatures..... when you say that you didn't receive the paper that says where your money went to.........do you mean the HUD? A notary not being there who has to witness your signature and is signing to that fact is a violation....... Where was the closing at?....ie.....Title Company, Brokers office....... In order to find any and all violations of RESPA and TILA you would need a doc review which is offered on this site on the left side of the forum...... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

05-14-2008, 12:38 PM	#14 (permalink)
DaveandBrandy Senior Member Join Date: May 2008 Posts: 31 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! We signed all of the papers in our kitchen

05-14-2008, 01:16 PM	#15 (permalink)
RudyJay Senior Member Join Date: Apr 2008 Posts: 652 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! *** we signed papers at the brokers office but no notary either.. the copies of hud and buyer's settlement we have no signatures.. For us we have someone elses' bank account and asset..Is this legal?

05-14-2008, 02:11 PM	#16 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! If you both feel that you have violations of RESPA and TILA from your closing you need to consult with an attorney.......... I am not an attorney.........so I would not be able to tell you what is or isn't legal in your states and how closings are conducted in them.......... We do offer the Loan Document Reviews here on Loan Safe if you feel that your loan was predatory in nature..... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

07-23-2008, 12:15 PM	#17 (permalink)
Taradalejr8 Member Join Date: Jul 2008 Posts: 15 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! I just called them and they are very helpful. Told me who I needed to contact. I would highly suggest calling them to anyone who needs help.

08-27-2008, 06:25 AM	#18 (permalink)
backlso Member Join Date: Feb 2008 Posts: 27 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! Hi I am in a similar situation. Who was it you called? Thanks, Sofia

08-30-2008, 08:16 PM	#19 (permalink)
HappyHome Senior Member Join Date: Apr 2008 Location: Richmond, VA Posts: 118 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Don't Just Sit There - File A Complaint!! I was too! Me too, no Notary..! and I think the RE lady was actaully a Broker I KNOW because I am BROKE-ER! and she lied about alot! Please where do I call to find out? I want to report her to Real Estate Board, I want a Atty. I need to do this fo r my sanity.. as I sit here and Possibly do my last 300 days Once I search ALL my Options!

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