Key California Assembly Committee to Receive Testimony Urging Passage of Foreclosure Moratorium Where Financial Institution Fraud Occurred

Oceans away and hard to hear. Hi my names Mary and I'm a Countrywide victim. Problem is I live in Hawaii, yet the broker, the lender, the law suits, the restitution, the whole accountability process is taking place across the ocean. I know Hawaii is slow to catch on but....come on. I daily google Countrywide/Hawaii/Mortgage Fraud/ Is there no one but myself going through this in the islands?? I guess I'm pre-pre-mature, I saved my home from foreclosure singlehandedly, singlemotherly, a miracle sight to behold, back in May 2008. Just as you would expect, after all the extensive, excessive, fees and penalties and foreclosure attourneys etc. they also raised my mortgage which I specifically stated would not be acceptable and completely impossible for me to accomodate. Their game was to continually set you up to fail, over and over and over, at our expense of course. Sheer torture, of a diabolical sort, dangling the roof over your head and watch you squirm. Well here I am again, I knew it was just a matter of time. The good news is, I no longer have to kiss their sweet...cheeks and bite my tounge about justice, whats fair, whats ethical, whats professional, what simply makes sense. I spent 10,000. on prepay on a refi. with Countrywide plus all other fees etc. to end up in a loan which had a higher payment and no interest change. This was pre-stop foreclosure miracle!!!! I was one of the first to experience this, the people I spoke of this to thought I had gone mad, they didn't believe me. It's been one very long, very bad dream. I have two things left to say. To Countrywide...Time Wounds All Heels! You deserve every iouta of pandamonium and chaos and drama and expense and stress. Good on Ya. Second, Is there any mainland state I can connect up with and file my claims...California I suppose, my loan originator, my broker and what about her? She really needs to be held accountable also? When she did this, I just asked her "How do you sleep at night, consiously doing this to people?" She skirted my calls, skirted the issue, said my credit wasn't as good as she thought (all my fault) because the numbers on the final signing had changed drastically from the good faith estimate. Carrie Brown, B&B Mortgage, Sacramento?? Maybe it's time for us to meet again. I'de like to share with you my last 5 years and the challenges I've overcome, as a single parent, raising a child alone and being swindled by my sisters across the ocean.

Oceans away and hard to hear. Hi my names Mary and I'm a Countrywide victim. Problem is I live in Hawaii, yet the broker, the lender, the law suits, the restitution, the whole accountability process is taking place across the ocean. I know Hawaii is slow to catch on but....come on. I daily google Countrywide/Hawaii/Mortgage Fraud/ Is there no one but myself going through this in the islands?? I guess I'm pre-pre-mature, I saved my home from foreclosure singlehandedly, singlemotherly, a miracle sight to behold, back in May 2008. Just as you would expect, after all the extensive, excessive, fees and penalties and foreclosure attourneys etc. they also raised my mortgage which I specifically stated would not be acceptable and completely impossible for me to accomodate. Their game was to continually set you up to fail, over and over and over, at our expense of course. Sheer torture, of a diabolical sort, dangling the roof over your head and watch you squirm. Well here I am again, I knew it was just a matter of time. The good news is, I no longer have to kiss their sweet...cheeks and bite my tounge about justice, whats fair, whats ethical, whats professional, what simply makes sense. I spent 10,000. on prepay on a refi. with Countrywide plus all other fees etc. to end up in a loan which had a higher payment and no interest change. This was pre-stop foreclosure miracle!!!! I was one of the first to experience this, the people I spoke of this to thought I had gone mad, they didn't believe me. It's been one very long, very bad dream. I have two things left to say. To Countrywide...Time Wounds All Heels! You deserve every iouta of pandamonium and chaos and drama and expense and stress. Good on Ya. Second, Is there any mainland state I can connect up with and file my claims...California I suppose, my loan originator, my broker and what about her? She really needs to be held accountable also? When she did this, I just asked her "How do you sleep at night, consiously doing this to people?" She skirted my calls, skirted the issue, said my credit wasn't as good as she thought (all my fault) because the numbers on the final signing had changed drastically from the good faith estimate. Carrie Brown, B&B Mortgage, Sacramento?? Maybe it's time for us to meet again. I'de like to share with you my last 5 years and the challenges I've overcome, as a single parent, raising a child alone and being swindled by my sisters across the ocean.

Does anyone have information about European Solutions and whether they are a legitimate business or scam? They are taking thousands of dollars from people who are trying to keep their homes from foreclosing.

Does anyone have information about European Solutions and whether they are a legitimate business or scam? They are taking thousands of dollars from people who are trying to keep their homes from foreclosing.

Does anyone have information about European Solutions and whether they are a legitimate business or scam? They are taking thousands of dollars from people who are trying to keep their homes from foreclosing.

Hi,
While I am a former mortgage banker and broker, in Hawaii and my heart goes out to Mary, I saw too many unethical as well as unprofessional and even untrained as all it takes to get a Mortgage Solicitors License in Hawaii is a Mortgage Broker to sign the application, and they basically only need three years as a Solicitor to become a Broker, and a small bond, and no formal training, sign the application, oh and basically you cannot be a convicted of a felony, but then it seems the State of Hawaii relies solely on the application, rely solely on your answers on the form. Too often I saw people from 1980's on abuse the system, I left in the mid 1900's yet have followed it ever since and it just got worse. anyway, but two of my partners, and almost everyone they hired, they had control and revoked all my authority, were constantly over-charging and no they had no real idea how the over-all process worked. I hope she did not see Stars or the Loan "lady" or "gentleman", and I use the term with sarcasm, with lets use initials Y or H or R or H or D or D or m, among others, maybe not correct, but if so I have no doubt in her story is true, and Mary you are more than a Countrywide victim the mortgage broker got paid most likely a huge fee, check your HUD-1 settlement statement it will disclose (maybe POC Paid Outside Closing, the fees the mortgage broker received, maybe some inside closing as well and outside closing) to churn your account as well as not benefit you.

Now my problem, I have discovered one of the nations largest credit unions, along with with one the nations largest banks is violating everything from Regulation B, the National Credit Union Act, Regulation Z, RESPA, Bank privacy laws, misrepresentation, just to name a few. Since they have been doing this since at least 2003, I have records back that far, and have over $4 BILLION in mortgages, all made tainted from the start with Regulation B and violations of the National Credit Union Act, all violate RESPA, when they paid the third party fees for services not rendered, which then causes a Regulation Z error in the amount financed and the APR, maybe outside the 1/8 tolerance on fixed rates, Right of recession (runs for 3 years after closing if there is an error) on refinances of principal residences, and RICO violations I need a good class-action attorney, oh they say they do loans in all 50 states, i know they have violated in Hawaii and Florida for sure. SInce the mortgages were made illegally as well as violated so many federal laws, and there was also an active plan and agreement between the credit union, a major commercial bank, and two subsideries of the bank, to violate these laws that is also a RICO violation. Damages, how about ever member as if the loans are un-enforceable then it bankrupts the credit union, the NCUA and then the taxpayer's, as if they have not been hit enough by the banks, now their not for profit credit unions are also scamming them, how about every mortgage borrower as every loan is tainted from application to closing, how about illegal payment of fees for services not rendered in violation of RESPA, thus $4 Billion plus in bad loads plus all the fees, plus the damages. yet it is beyond most "foreclosure attorneys" as things like Reg. B, the national Credit Union Act, Reg. Z (Truth in Lending), RESPA (Real Estate Settlement Procedure Act), RICO, etc. have been violated, or as one said it was "Out Side his Comfort Zone" he only wanted simple to defend in State Court cases and not Federal Court cases or massive class action suits" even if the potential rewards were so high one case could retire him for life. So add the attorneys that do not want to defend a home owner unless it is "withion their comfort zone" yet even he said appeared there was a case, furtehr I was shocked he had no idea what Reg. Z (Truth in Lenad Act) was or RESPA, so much for attorneys to defend the public.

Hopefully I will soon locate a good attorney that wants to A) right a massive wrong and fraud, and B) earn a huge fee, most work on a percentage of damages, well I am sure most people would love to have their mortgage thrown -out or reduced by 60-70%, all fees refunded, see some people go to jail, and even if they have to refi to pay the attorney, refinancing to 30-40% of what you owe, regardless of the interest rate, is a huge drop in payments as well as a huge recovery in equity also. Excuse the typos I have a spinal injury, so cannot feel my fingers too well so make a few typos. I am hoping to interest a good class action attorney, I started out just wanting to clear the mortgage problems on the Estate of my Step-Father and illegal attempts to collect against my mother, not a borrower, but as I read the documents I got more and more enraged at such alleged massive fraud, [I think more than alleged, as very clear cut, but I got to be careful till this gets into court, if ever]. Anyone of the violations alone should make the mortgage un-enforceable and therefore uncollectible, yet I stopped counting at 6 federal Violations and hundreds of pages of printouts of the laws to cross-reference!!!!

Mary, I dropped a few hints, not enough to cause litigation for slander or liable (liable as in print, but I would love to know who the mortgage broker was as for years I tried to get the laws toughened in Hawaii to no avail) plus if it my ex-partners well nothing better than I would like to see them punished and you may have criminal recourse as well.

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