Our 10th Amendment Sovereignty Resolve Will Defeat the New World Order!
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Monday, August 31, 2009
The (Intentionally) Misleading Mainstream Media
The (Intentionally) Misleading Mainstream Media
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Call with CITI take 2
So this is a call back we received on the previous CITI post
CITI- This is Jorge with CITI can you verify xyz?
Me- Yes
CITI- It looks as if you may qualify for a modification have you made any attempts
Me- Yes last week, I am still waiting for a call back.
CITI- I do not see anything in the system
ME- They told me I was not approved for the MHP program
CITI- Sir there is nothing in the system if they ran you through it would be in here
Me- I just did this last week on the 26th and I am telling you they told me I did not qualify but they did not tell me why
CITI- Sir we use the program from the treasury and it tells you if you are approved or not
Me- It is your company's program I know you do not use a program designed by the treasury
CITI- this program is form the treasury
Me- I know the program, what do you wan from me to see if you can help
CITI- Lets go over you financials
ME- Okay.........endless going over financials
CITI- You are right sir you do not qualify
Me- Why
CITI- Sure you do not qualify because you currently cannot afford the payment
Me- MY point exactly you are supposed to bring down the rate to a floor of 2%, then extend the term up to 40 years, and or use a principle forbearance or reduction (down to market value) to make the payment low enough so the front end ratio is 31%
CITI- Sir you need to have a current ration at 31% for us to offer a modification
Me- You are wrong that is not the program
CITI- Sir we need to add what you are behind into the loan so we cannot reduce anything
Me- This is incorrect information what is you managers name?
CITI-xzy blah blah have a nice day
Again this is a company that has accepted money from us the American tax payer and delivered nothing in return.
All the media talks about attorneys accepting advanced fees and how bad that is yet it is supposed to be okay that we have given Banks Billions n advanced fees and are getting nothing in return.
The banking industry that behaves in this manner should be shamed out of existence.
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
CITI- This is Jorge with CITI can you verify xyz?
Me- Yes
CITI- It looks as if you may qualify for a modification have you made any attempts
Me- Yes last week, I am still waiting for a call back.
CITI- I do not see anything in the system
ME- They told me I was not approved for the MHP program
CITI- Sir there is nothing in the system if they ran you through it would be in here
Me- I just did this last week on the 26th and I am telling you they told me I did not qualify but they did not tell me why
CITI- Sir we use the program from the treasury and it tells you if you are approved or not
Me- It is your company's program I know you do not use a program designed by the treasury
CITI- this program is form the treasury
Me- I know the program, what do you wan from me to see if you can help
CITI- Lets go over you financials
ME- Okay.........endless going over financials
CITI- You are right sir you do not qualify
Me- Why
CITI- Sure you do not qualify because you currently cannot afford the payment
Me- MY point exactly you are supposed to bring down the rate to a floor of 2%, then extend the term up to 40 years, and or use a principle forbearance or reduction (down to market value) to make the payment low enough so the front end ratio is 31%
CITI- Sir you need to have a current ration at 31% for us to offer a modification
Me- You are wrong that is not the program
CITI- Sir we need to add what you are behind into the loan so we cannot reduce anything
Me- This is incorrect information what is you managers name?
CITI-xzy blah blah have a nice day
Again this is a company that has accepted money from us the American tax payer and delivered nothing in return.
All the media talks about attorneys accepting advanced fees and how bad that is yet it is supposed to be okay that we have given Banks Billions n advanced fees and are getting nothing in return.
The banking industry that behaves in this manner should be shamed out of existence.
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Friday, August 28, 2009
Real Conversation with AHM- A recipient of TARP funds
Called Lender and listened to the recording.
AHM- What is the purpose of your call?
Me- I am calling to see why this client was not reviewed for the makinghomes affordable program.
AHM- This client does not qualify for the making homes affordable program
Me- Why?
AHM- They just do not qualify
Me- You need to tell us why
AHM- they do not qualify
Me- Can you send us proof of why they do not qualify, the NPV test as wellas your attempts to the investor allow the making homes affordable programmodification.
AHM- If you want to be reviewed for the making homes affordable program youwill need to submit another package
Me- That is not fair you are saying they do not qualify but you want them tosend in another package
AHM- Sorry that is the only way
Me- This is no way to treat consumers after you have received tax payermoney (in the back ground I here there rep telling a client if they want to keep the home they need to pay)
AHM- I am the manager (Robert), this client does not qualify for makinghomes affordable program due to the investor not wanting to do themodification.
Me- Can you produce your request to modify the loan with the investor
AHM- You will have to contact our resolution department by fax 866-795-6529
Me- What will this do to help the customer
AHM- any complaints go to them
Me- So are you saying that you will not offer assistance to this homeowner
AHM- We did last May we were going to modify the loan but it would doublethe payments so we declined it because they could not afford the payments
Me- So you offered assistance that did not help them
AHM- No we offered to modify the loan pursuant to CA law
Me- Excuse meAHM- We are required to offer assistance to CA homeowners and we did
Me- That is not assistance that is like throwing a drowning person a weight.
AHM- Sir this is a neg am loan these people have the lowest payment on themarket
Me- It is a time bomb and you know it
AHM- Sir I do not have time for this have a nice day.
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
AHM- What is the purpose of your call?
Me- I am calling to see why this client was not reviewed for the makinghomes affordable program.
AHM- This client does not qualify for the making homes affordable program
Me- Why?
AHM- They just do not qualify
Me- You need to tell us why
AHM- they do not qualify
Me- Can you send us proof of why they do not qualify, the NPV test as wellas your attempts to the investor allow the making homes affordable programmodification.
AHM- If you want to be reviewed for the making homes affordable program youwill need to submit another package
Me- That is not fair you are saying they do not qualify but you want them tosend in another package
AHM- Sorry that is the only way
Me- This is no way to treat consumers after you have received tax payermoney (in the back ground I here there rep telling a client if they want to keep the home they need to pay)
AHM- I am the manager (Robert), this client does not qualify for makinghomes affordable program due to the investor not wanting to do themodification.
Me- Can you produce your request to modify the loan with the investor
AHM- You will have to contact our resolution department by fax 866-795-6529
Me- What will this do to help the customer
AHM- any complaints go to them
Me- So are you saying that you will not offer assistance to this homeowner
AHM- We did last May we were going to modify the loan but it would doublethe payments so we declined it because they could not afford the payments
Me- So you offered assistance that did not help them
AHM- No we offered to modify the loan pursuant to CA law
Me- Excuse meAHM- We are required to offer assistance to CA homeowners and we did
Me- That is not assistance that is like throwing a drowning person a weight.
AHM- Sir this is a neg am loan these people have the lowest payment on themarket
Me- It is a time bomb and you know it
AHM- Sir I do not have time for this have a nice day.
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Thursday, August 27, 2009
AIG CEO: Critics of Taxpayer Funded Bonuses are “Lynch Mobs with Pitchforks”
AIG CEO: Critics of Taxpayer Funded Bonuses are “Lynch Mobs with Pitchforks”
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Conversation with a rep from CITI mortgage
Called CITI at 800-422-149x and was told that John was the negotiator on the file and was transferred to his extension and of course straight to voicemail.
I kept entering extensions until I was transferred back to the main line in the loss mitigation department and below is the conversation:
CITI- Hello can I get your name and loan number etc...
Me- Yes is is xyz thank you, I am calling about the status of the loan modification for this client.
CITI- I don't see anywhere in the system that we have talked to you, Have you sent in a package?
Me- Yes about 5 of them
CITI- Have you done financials over the phone?
Me- Yes 3 times and most recently last week
CITI- I see they filed bankruptcy that is why we can not find them, has it been discharged?
Me- Yes it was discharged over a year ago and you have proof of that it was sent in with the packages
CITI- Oh I see it looks as if the file was denied for a modification
Me- Why. We received a trial mod for this client
CITI- Yes but they were not approved
Me- Why did they send the package if they were not approved?
CITI- I am not sure I do not know
Me- Did you use the HAMP program?
CITI- Yes
Me- Can you show me the results of the NPV test
CITI- We do not know what that is
Me- Can I get the names of the Directors I want to write them a letter to explain how this customer is being treated
CITI- Hold on
30 minutes later
CITI- I spoke with my manager and you need to speak with John
Me- Can I get the names of the directors of CITI?
CITI- No my manager says we do not know that information
Now to me it seems as if the banks have no clue what they are doing yet they accepted our tax payer money so that they could offer programs to the American people.
It is bad enough that we are forced to help failed business in order to be offered assistance but when we as Americans are led to believe that this is the only way to get help and the help is not given it leads one to demand a refund of the money given to the banks!
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
I kept entering extensions until I was transferred back to the main line in the loss mitigation department and below is the conversation:
CITI- Hello can I get your name and loan number etc...
Me- Yes is is xyz thank you, I am calling about the status of the loan modification for this client.
CITI- I don't see anywhere in the system that we have talked to you, Have you sent in a package?
Me- Yes about 5 of them
CITI- Have you done financials over the phone?
Me- Yes 3 times and most recently last week
CITI- I see they filed bankruptcy that is why we can not find them, has it been discharged?
Me- Yes it was discharged over a year ago and you have proof of that it was sent in with the packages
CITI- Oh I see it looks as if the file was denied for a modification
Me- Why. We received a trial mod for this client
CITI- Yes but they were not approved
Me- Why did they send the package if they were not approved?
CITI- I am not sure I do not know
Me- Did you use the HAMP program?
CITI- Yes
Me- Can you show me the results of the NPV test
CITI- We do not know what that is
Me- Can I get the names of the Directors I want to write them a letter to explain how this customer is being treated
CITI- Hold on
30 minutes later
CITI- I spoke with my manager and you need to speak with John
Me- Can I get the names of the directors of CITI?
CITI- No my manager says we do not know that information
Now to me it seems as if the banks have no clue what they are doing yet they accepted our tax payer money so that they could offer programs to the American people.
It is bad enough that we are forced to help failed business in order to be offered assistance but when we as Americans are led to believe that this is the only way to get help and the help is not given it leads one to demand a refund of the money given to the banks!
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Racketeering 101: Bailed Out Banks Threaten Systemic Collapse If Fed Discloses Information
Racketeering 101: Bailed Out Banks Threaten Systemic Collapse If Fed Discloses Information
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
Loan Modifications, Short Sales, Debt Consolidation, Tax Settlement and Litigation
Provided by Lugash Law Center
San Diego, CA 92106
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