- American Home Mortgage Servicing
- Aurora Loan Services
- Bank of America
- Deutsche Bank
- Fannie Mae
- Federal Reserve
- Freddie Mac
- JP Morgan Chase
- Litton Loan Servicing
- MetLife Home Loans
- Nationstar Mortgage
- Ocwen Loan Servicing
- Other/Not Listed
- People with Disabilities
- PHH Mortgage
- PNC Bank/National City Mortgage
- Saxon Mortgage
- Senior Citizens
- Stage: Eviction Defense
- Stage: Foreclosure
- Stage: In Default
- Stage: Post Eviction
- Stage: Underwater
- US Bank
- Washington Mutual
- Wells Fargo
WELLS FARGO: DON'T EVICT DISABLED SENIOR TERRI NUNEZ FROM HER SAFE HOMEDue to a near fatal pesticide poisoning in 1989 I am disabled & home confined. Because of this injury I now have to have specially filtered air & non toxic building materials to be healthy. Wells Fargo is taking my specially modified home of 25 years with no regard for my safety. Wells Fargo was selling my house in June, but due to being recently bedridden has now set the date for October, 17, 2014! In April, 2008 I received a staggering Cancer Diagnosis with 3 months to live. I had to quit my job from home & go to John Hopkins for a 5 year treatment plan. While in the hospital for treatment Wells Fargo told me to stop paying my mortgage to qualify for a loan modification. They denied my loan application. I sought help from an attorney. For 5 years I fought cancer all while trying to obtain a loan modification from Wells Fargo. More denials for not enough income based on their inflated rates for bank placed insurance. They have placed a Legal Block on my account so I can't even submit an application due to several class action lawsuits brought against them for Fraud, Predatory Lending, Non Disclosure in Pick-A-Payment loans & now most recently for charging homeowners Inflated insurance rates , & receiving kickbacks & Bonus commissions. Even after losing the class action lawsuit in Ca. & promising Loan Modifications, the class action lawsuit was filed again because no one received loan mods. & re won for a second time! Yet they are still fighting in court! Is Wells Fargo above the LAW? Now is the time for accountability! Wells Fargo you promised 49 States Attorneys who sued you to grant loan modifications & still have not done it! New York has now stated they intend to sue you for publishing a step by step manual for your hired attorneys to use to fabricate documents, ie) a FORGED NOTE! The Federal Reserve of the United States of America sued you & still you did not do as you promised! Do the Decent & Right thing & stop trying to put me on the street with the millions of other homeowners that you Foreclosed on!
Chase WANTS to kick a DEAF single father of two boys out of his homeMr. Allen is a successful worker but profoundly deaf. His wife was in control of finances and Mr. Allen did not know that payments weren't being made for two years. It wasn't until he opened mail when his wife was gone on a trip to Jamaica, that the house was in foreclosure. Since then, his wife has moved out and left Mr. Allen with the monumental challenge of saving his home. It has been 10 months with three loan modifications applications submitted and everyone of them rejected. His two sons also reside in the home and don't want to lose their only home they have ever known. Mr. Allen has taken all the classes to learn how to finance, budget, as a deal with Chase Bank. It still isn't enough for them.
Enforce settlement terms and stop the foreclosures!If Wells Fargo can be forced to comply with settlement terms and modify loans as they should, it would save thousands of families from wrongful foreclosure and prevent further damage to our economy. Please encourage Attorney General Harris to join NY Attorney General Eric Schneiderman and insist banks comply with prior settlement agreements or face legal action. A recent survey showed banks are not complying with national mortgage settlement terms in California. An email from Joseph A. Smith Jr., the government-appointed monitor for the national mortgage settlement, said that survey's findings "are consistent with much of what I've heard as I've traveled the nation in the past year..." http://tinyurl.com/cehn5j5 Wells Fargo is already being sued in California in an attempt to enforce another settlement agreement. "Claiming that Wells Fargo's "greed seems to have no bounds," a class action lawsuit charges the bank approved fewer than three percent of loan modifications after it acquired troubled mortgages from Wachovia and others. Despite agreeing in an earlier settlement to help troubled homeowners, Wells Fargo did next to nothing..." http://tinyurl.com/bv6q2d6 As a member of that class, I say they've done worse than nothing. Wells Fargo took 2 years to admit we'd turned in all our paperwork. They've refused to accomodate the disabilities of my legally blind husband or the friend we bought our house with, on disability for a spinal injury. They denied our loan modification because $2,030 is more than $2,700, said they wouldn't modify our loan because we still had equity, and then that making half a million dollars profit over the life of our loan wouldn't be enough, so our NPV evaluation was negative and they didn't have to modify our loan. Class counsel tried to get an injunction to stop the foreclosures while the case was litigated, but failed. By the time the case is resolved, thousands of homes will already have been foreclosed on. If we convince Ms. Harris to join forces with Schneiderman and others to enforce current settlement agreements, and to obtain a foreclosure moratorium until Wells Fargo and B of A have complied with those agreements, we can prevent enormous harm - not just to my family and the thousands of others who are being improperly denied loan modifications, but also to the California and US economy as a whole. A recent report estimates Wells Fargo’s foreclosure policies could cost the CA economy up to $3.3 billion in lost revenue. Forclosures depress property values, local property tax revenues, and economic recovery. http://populardemocracy.org/foreclosure-crisis-report This is an appalling crisis, even for those who can pay their mortgages. Banks have foreclosed on people who never missed a payment; the disabled veteran who died in court after Wells Fargo foreclosed on him for money owed by his neighbor, the retired couple in Twentynine Palms whose home Wells Fargo mistakenly emptied out - twice! See http://wonkette.com/506054/wells-fargo-bills-elderly-disabled-veteran-to-death-over-typo A study commissioned by former San Francisco Assessor-Recorder Phil Ting, of foreclosure sales between January 2009 and October 2011, found that 84% contained one or more clear violations of the law, 99% showed some apparent irregularities and almost a third had problems in four of the six areas of concern checked. http://aequitasaudit.com/images/aequitas_sf_report.pdf The banks have not obeyed the law or complied with settlement agreements they signed. Compensation for wrongful foreclosure in the recent settlement is woefully inadequate. Hardest hit are those it hurts most; the elderly, disabled, injured, the terminally ill and veterans struggling to adjust to civilian life. At the least, even if we can't get a full moratorium, foreclosures on the most vulnerable should be subject to special scrutiny. Please call Kamala Harris. Tell her to save our home and many others by obtaining a mortgage moratorium until Wells Fargo & B of A comply with the settlement agreements. Then call Wells Fargo and tell them you did so and why. Please mention us - Bryndis Tobin, William Reviea and Matthew Ouimette. CA Attorney General Kamala Harris (916) 445-9555, in CA (800) 952-5225 Sadie Walker, Office of Executive Complaints, Wells Fargo 1-800-853-8516
Bank of America needs to let us keep renting our Foreclosed Home of 7 yearsWe are Both Disabled.We have been paying "Use and Occupancy" payments since February 2012.We need a new agreement to start on May 1, 2013 when our current "Use and Occupancy" agreement ends so we do not have to move. Our home is in "OFF Market" status and is NOT For Sale.Bank of America,aka U.S Bank N.A. does not hold the Note to our home.The Title still remains in my name.The home also lost 75% of it's value since 2006. I have applied for Public Housing and we are on many lists with little hope of obtaining housing as most Towns have either closed their waiting lists or simply have too few units to house the number of people that have been displaced by Foreclosure. The Mortgage was part of the Countrywide assets purchased by Bank of America,U.S. Bank N.A. . Bank of America,U.S. Bank N.A. has received more than 1 TARP Bailout for these homes.They were more than happy to take the money from the Government and refused to work with us because SSDI & SSI do not seem to be considered "income" even though the money comes from the U.S. treasury which paid Bank of America,U.S. Bank TARP monies for these Toxic Assets. We pay "Use and Occupancy" to the Legal Representatives for Bank of America,U.S. Bank .We are not living here for Free and what we pay is above and beyond what we should even have to pay considering that we are on fixed incomes.We put our Life Savings as a down payment and when the ARM rate rose we simply could not carry on.We were told that once we closed on the home our mortgage would be changed to a "Conventional Mortgage" and we have the paperwork to prove this,however Bank of America,U.S. Bank refuses to work out a refinance and we have been passed from one person to another only to hear that the Disability payments are not considered income which is Discriminatory to persons with Disabilities. We are both on Long-Term Disability and are not physically able to work.One of us is crippled and can no longer walk without assistance, has lost over 75% use of her hands, has Cancer & Post Traumatic Stress Disorder.We are both in our late 50's and in declining health.We need to know that we will have a roof over our head for at least another year. Every time we have to negotiate another "Use and Occupancy",we are always told that Bank of America,U.S. Bank N.A. will not allow us to stay here and we have had to plead with their agents each time it comes to renew this agreement.The house is not on the market,and not listed for sale so there is no reason not to let us keep our "Use and Occupancy " agreement for at least a year.We have no where to go.We have no Family or Friends that can take us in and we have done everything we can to find Public Housing.Many Towns in MA. have NO public housing (such as the one we live in) or as few as 4 units to meet the minimum requirement.The demand outstrips the supply.There simply is No Public Housing available and the wait lists are very long,many with a 5 year wait.We have been on wait lists for several years and unless people move out of Public Housing,we have no choice except to continue living here.We need a solution to stay in our home or it will just add up to another abandoned property that no one will want.Our well is contaminated like most of the Town which is why no one has even looked at the home. The home has no clear title and would be impossible to sell .We want the Legal Representatives of Bank of America,U.S. Bank N.A. to give us a Year of "Use and Occupancy" with the option of renewing it after a year.After all,they have been more than happy to take our money every month so there is no reason that this agreement cannot continue. It would be a hardship to move because of our Disabled status.We don't even have the ability to pack our belongings and leave.The home is in a secluded area that would most likely be vandalized if left vacant since it's off the road.It is in the Banks' best interest to have responsible tenants here to have someone in the home to make sure this does not happen. Please let us stay in our home of 7 years and continue to pay rent under a "Use and Occupancy" agreement of a year with an option to renew.This is causing undue stress that is making our health matters worse.I'm a Diabetic with limited range of motion. Please don't let us become homeless.There is a very easy solution to this problem.When a house goes vacant,the Town loses the tax revenue and that is having a very negative effect on the Country.Empty homes represent lost tax revenue-period! It's time to start looking at this problem from the perspective of the 'small man". Please Negotiate with us to let us stay in our home.We need a solution by May 1st, 2013.Please stand with Occupy Our Homes! Thank You, Roger Dantes & Debra Pinkham 30 Bare Hill Rd. Boxford MA. 01921
Fannie Mae : Don't Evict 86 year old Willie Rahn 40 year home owner, risking her healthWhy is this important? This is important because whole thing was wrongfully done. Being evicted from her home of 40 years wil be the death of her. Her daughter, who now resides in the house with her, has been dealing and fighting with this for the past couple, and during this time was making regular payments during a trial modification, (that was denied). I believe the loan was wronfully funded in the first place. There are several different points that prove that. She paid her house off once. This loan she was talked into while she was in the beginning stages of Alzheimers, she in her right mind would have never agreed to an interest only loan.
corruption and fraudPETITION TO: CHEVY CHASE BANK, FSB (NOW CAPITOL ONE BANK) CAPITOL ONE MORTGAGE COMPANY MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. IN BEHALF OF FLOYD ABSTON, JR. Please sign this petition to stand up to the corruption and fraud that Fannie Mae, Chevy Chase Bank, FSB, Federal Savings Bank (now Capitol One Bank), and Mortgage Electronic Registration Systems, Inc. have engaged in as it relates to my mortgage. Background In 1997, I suffered a pituitary brain tumor, which rendered me with life long health issues that have affected my ability to work and earn income to support my wife and four children. In 2006, I sold my home in Washington, D.C. to allow my daughters to have an opportunity to attend college. In 2007, I relocated and financed another home by putting down $25,000 to help reduce the mortgage cost and to bring down a percentage point so that I could afford the mortgage payments. Chevy Chase Bank allowed me to apply for the loan for the house with only the income from my Social Security Disability. After a year or so of paying the mortgage, I learned that Chevy Chase Bank did not establish a realistic escrow account for taxes, etc. for my mortgage account, and as a result, the mortgage payments increased by $500 a month. Chevy Chase Bank was well aware that I am on a fixed social security disability income and that the additional $500 per month was an amount I could not pay given my limited income. Chevy Chase took my $25,000 down payment and now refuses to grant me an affordable solution to the dilemma it caused by allowing me to purchase the home with only my social security disability income. I began fighting this injustice by filing through the Texas State Court and I am now in federal court hoping the court will intervene and force Chevy Chase, et al. to grant me an affordable mortgage payment so that my family and I can continue to live in the home. My family and I ask that you all stand with us for justice and peace, and we thank you all in advance for taking the time to read my petition. PLEASE SIGN MY PETITION!
compensate me for the house and the property stolen in first eviction and second evictionThis entire matter is riddled with improprieties and the foreclosure and my eviction should have been denied; and should now be considered void. The dispossessory before J. Cox, Cobb County, was a gross miscarriage of justice. Both evictions are in violation of OCGA 51-10-1 (Right of action for deprivation of possession of personalty: The owner of personalty is entitled to its possession. Any deprivation of such possession is a tort for which an action lies.)which many people are not aware of, I certainly was not. And be sure to read WASHINGTON et al. v. HARRISON. No. A09A1299.-- July 23, 2009, a wonderful decision by our Court of Appeals standing up for owners and denying landlords "carte blanche to do whatever he or she liked with the tenant's personal property, including even destroying it, at the moment the writ of possession is issued. " I am handling this pro se and even though the Washington decision is just about on point with my case, justice is not often served to pro se litigants. Any help and encouragement will be most appreciated.
PHILADELPHIA CITY COUNCIL: PUT MORE MONEY IN THE HOUSING TRUST FUNDAfter years of population decline, Philadelphia is once again becoming a more desirable place to live. There is increased development in many neighborhoods which results in rising property values and cost of living. While this development can improve our neighborhoods, these changes have already forced too many people out of their communities. City Council needs to introduce legislation that will grow the resources our city needs for affordable, accessible housing and green space so both renters and homeowners can stay in the neighborhoods we call home. As the housing market rebounds the effects of gentrification are displacing long-term residents. There is increased development in many neighborhoods which results in rising property values and cost of living. The overwhelming majority (77%) of new market rate housing built in the past six years is located in portions of North Philadelphia, South Philadelphia, and West Philadelphia. In these neighborhoods, rising housing costs coupled with stagnant or declining household incomes are straining low-income families’ ability to stay in their homes. The cost for Philadelphia’s families in these gentrifying neighborhoods is real. In North, South and West Philadelphia: 50% of renter households are “housing cost burdened” paying more than they can afford on rent; over 30% of homeowners are also spending too much of their income on housing. Displacement due to rising housing costs is also threatening the diversity of our neighborhoods. In North, South and West Philadelphia, the African American population has dropped 22-29% since 2000. Long-term residents are forced to move away from jobs and social networks. Neighborhood-serving businesses are forced to close as commercial rents increase, leaving many residents without access to basic services and local living-wage jobs. Community gardens and farms, sources of affordable nutrition and places where people gather have also been uprooted. City government must take action to curb the displacement that is destabilizing our communities. This requires adopting public policy that encourages equitable development for homeowners and renters.
HUD: Donate foreclosed, vacant property to neighborhood organizationMy name is Willie Fleming. For the past several years, I have lived at 1401 E. 75th Street Chicago, IL 60619. I am now writing to you because the U.S. Department of Housing and Urban Development (“HUD”) recently attempted to evict me from my apartment. I and the other tenants that live in this building are seeking to contact HUD to ensure that we can continue to live in this building. In 2007, I began renting this building from one of the former owners, Patricia Hill, with plans to work out of it for at least the next ten years. As soon as I moved in, I did my best to make this place not only a comfortable place for me to live, but also a resource for others in the Greater Grand Crossing neighborhood. As this is a mixed-use building, with both residential and storefront business space, I took it upon myself to reach out to local residents to see that it be used for programs and activities that benefited children, single parents, and others in need. By the time that I learned that the building had been foreclosed on in 2008, I had signed subleases with several tenants and local organizations. For a period of time, a food give away drive, a young women’s empowerment program, a youth poetry program, and an adult literacy initiative were all being run out of this building to provide services at no charge for those in the community. All of these efforts ground to a halt in March 2010, when Citibank and HUD began their eviction at the building. Even though we had received no notification about the foreclosure, nor were we given an opportunity to present our lease to the new property owner, we faced repeated eviction attempts that disrupted the constructive work we were doing with local residents. In addition to reaching out to the former owner, Ms. Hill, we also attempted to contact her commercial lender, Citibank, but we were unable to make any headway. In January 2014, my subtenants and I were forced to evacuate the property after the new property owner or its contractors had the heat cut off in the middle of winter. Over the next several weeks, we attempted to return to the property but faced the mounting task of repairing the significant damage that had been done to the pipes, walls, and floors after the building was allowed to freeze. By late February, we had been able to secure the property and begin making repairs. This process of making repairs to the property continued until June 2014, when we found that a contractor from Safeguard Properties LLC had, without any notification to use as the tenants, begun removing our items from the property. After notifying the contractor of our tenancy and contacting the police, they were forced to stop, but Safeguard ultimately refused to honor our claim for the items that had been taken from the property. Since August 2014, my subtenants and I have worked to make extensive repairs to the interior and exterior of this building, spending over $20,000 to address the damage done after the heat was cut, the pipes burst. Not only did we prevent it from being left as a vacant property, we also hired local tradesmen to make the repairs and convinced them to hire local youth to learn from them on the job. Ultimately, we hoped that the repairs that were made to this property might serve as an example for other organizations in how to address the growing problem of vacant properties and youth homelessness on the South Side of Chicago. On April 1st, 2016 the Cook County Sheriff executed an old eviction order. However, tenants still remained in the property because they did not have alternative safe, decent and habitable housing. These tenants have documented work on the repairs of this property as well as an extensive documented record of volunteerism with multiple organizations as they battle unemployment and the lack of labor force participation. In spite of these facts, they face continued threats of arrest for trespassing and theft of their property by the property preservation company.
Approve Short Sale of Hartrey 2 flat so 9 Tenants May Stay in their Home.The House on Hartrey is important to its residents & the community for many different reasons. First & foremost is the youth. The 3 children living on the first floor have recently transferred to Evanston Schools from CPS this year & would most likely be displaced into another school district to the dismay of their caring mother. Their father, Daniel Guillen, who runs a local handyman service providing for the community, would no longer have the space needed for the tools, truck & equipment required for his work. The Guillen's regularly have extended family gatherings in their apartment & the large yard. The Professional Handyman School of Evanston, a 4 year apprenticeship program teaching all aspects of residential remodeling, uses the property as its primary facility. Thomas, who has a background in house painting, video production, & music is the newest apprentice & coordinates the gardening of 11 raised beds. "I came to the Hartrey House a few months ago when I was going through a break up. After bouncing around on couches & sleeping in my car with my dog Ruby because I couldn't lease a place due to the fact that it is very hard to find a dog friendly place & also the amount of money it cost for rent & security deposit, I found the Hartrey which was very affordable. I call it "Heart-Tree" because its full of love & it branches out through the community like a tree. Its been a life changing blessing & has allowed me to have shelter for Ruby & myself. Also to be able to contribute to the community through efforts we have going is something I truly enjoy whether it be in the garden, or watching one of the visiting dogs or helping Kevin on a job, all the projects benefit humankind & the neighborhood in some way which I am a big advocate of." Another service provided for the community is Logical Lodging, LLC which provides short term pet friendly, furnished, lodging and utilities for professionals, academics, & others who are on the move or otherwise not in a position to sign a lease for an apartment. Emilio, another roommate of Hartrey & dog owner "Staying here at Hartrey was not only the most affordable option but also surprisingly rewarding for me & Pinkie. I get to hang out with dogs, cool people, have family over, and help take care of visiting dogs through Logical Lodging" Izzy, auto body detailer & room mate living at the Hartrey has reduced his commute to work by half allowing him much needed rest time after long hours put in the shop where he is also rebuilding his own truck. Kevin Keeler owner, room mate, entrepeneur & journeyman tradesman "the building is essential for the growth of the individuals here as well as both business'. I've invested hundreds of hours of repair & remodeling into the property. I would like to see the building continue to be an home for even more people and dogs in the community as well as those passing through. I am open to contributions of time & energy from creative persons interested in the property. The experience of defending against this attempted foreclosure has empowered me with a new and much deeper appreciation of the incredible power of the law." In addition, the large permaculture community garden project is a key aspect of the Hartrey. 11 full size, raised garden beds provide organic gardening opportunities, feeding the residents as well as some neighbors. In conjunction to the garden, there have been several Potluck gatherings to bring together artists, musicians, and people interested in organic gardening to discuss furthur plans & ideas to benefit the community as a whole.
paraplegic Needs His HomeAccess for a wheelchair is important when you have a spinal injury. You need wider doorways to enter, and exit all rooms. You also need bathrooms with showers, sinks and toilets that have been modified to ADA (Americans with Disabilities Act) standards, along with ADA kitchens having access to food to be able to prepare meals. Bedrooms also have to be ADA accessible. I tried to stay in some hotels and fit through the front door of the room with my wheelchair, but was unable to fit through the bathroom door in the same hotel room. I have lived in my Berkeley, California home since 1987. I was misled into taking a Country Wide A.R.M Loan. Country Wide said they would give me a better loan in 6 months. They never did give me that loan. Shortly after they went out of business and Bank of America assumed my Country Wide loan. Bank of America told me that they couldn’t honor anything that Country Wide had promised to me. They further said that the only way they could help me is if I defaulted on my loan. I believed them at that time. Then Bank of America said they wouldn’t help me and sold the loan to Ocwen. I submitted all the documents that Ocwen requested, like I had done for all the other lenders and then said they couldn’t help me nor would they accept any monthly payments, only the full sum. Ocwen then sent me referrals to speak to HUD and H.O.P.E. After I filled out their forms, and submitted the required documents I was told that Ocwen didn’t participate in government programs. Ocwen then sold the loan to Fay Servicing. Fay then requested documents from me. I requested an email address to correspond with them but they were hesitant. Like all the other lenders, Fay said that phone calls were the only way I could correspond with them. I did finally manage to receive an email address. I emailed them and asked why the payments were interest only payments. I also asked for an accounting for both the principal and interest payment combined. I never received an answer by either email or phone. The next thing I received was a notice of sale date of my home. My parents always said the bank will help you. Where is that help? It should be a loan requirement (law) that the loan agency provide an impartial lawyer to evaluate the numerous pages of the loan contract, and advise you to accept the loan or not. There should be an acknowledgement within the loan document of this process. Put your money in a credit union. THE BANKS ARE CRIMINAL!!!!!!!!!!
Philadelphia City Council: Put more money in the Housing Trust FundAfter years of population decline, Philadelphia is once again becoming a more desirable place to live. There is increased development in many neighborhoods which results in rising property values and cost of living. While this development can improve our neighborhoods, these changes have already forced too many people out of their communities. City Council needs to introduce legislation that will grow the resources our city needs for affordable, accessible housing and green space so we can stay in the neighborhoods we call home. As the housing market rebounds the effects of gentrification are displacing long-term residents. There is increased development in many neighborhoods which results in rising property values and cost of living. The overwhelming majority (77%) of new market rate housing built in the past five years is located in portions of North Philadelphia, South Philadelphia, and West Philadelphia. In these neighborhoods, rising housing costs coupled with stagnant or declining household incomes are straining low-income families’ ability to stay in their homes. While this development can improve our neighborhoods, these changes have already forced too many people out of their communities. The cost for Philadelphia’s families in these gentrifying neighborhoods is real. In North, South and West Philadelphia: 50% of renter households are “housing cost burdened” paying more than they can afford on rent; over 30% of homeowners are also spending too much of their income on housing. Displacement due to rising housing costs is also threatening the diversity of our neighborhoods. In North, South and West Philadelphia, the African American population has dropped 22-29% since 2000. Long-term residents are forced to move away from jobs and social networks. Neighborhood-serving businesses are forced to close as commercial rents increase, leaving many residents without access to basic services and local living-wage jobs. Community gardens and farms, sources of affordable nutrition and places where people gather have also been uprooted. City government must take action to curb the displacement that is destabilizing our communities. This requires adopting public policy that encourages equitable development that is inclusive of all of us.