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
State of New York Consumer Protection Board
State of New York Department of State
State of New York Division of Housing and Community
State of New York Division of Human Rights
State of New York Governor’s Office of Regulatory Reform
State of New York Mortgage Agency
You can also search to see if your mortgage broker is a member of the New York Association of Mortgage Brokers
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
File a complaint at STOP MORTGAGE FRAUD. COM
WRITE A LETTER TO CONGRESS SUPPORTING THE CENTER FOR RESPONSIBLE LENDING IN THEIR QUEST TO ENSURE THE SUBPRIME CRISIS NEVER HAPPENS AGAIN:
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!
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)
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
FILE A RESPA COMPLAINT WITH HUD:
THE FEDERAL TRADE COMMISSION GOVERNS TILA VIOLATIONS. FILE A COMPLAINT WITH THEM:
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