Friday, March 29, 2013

If you need help

If you need help contact me here. Leave me a message and I will get back to you .

In order to get professional help as well.

Contact the OCC about your bank - they have to respond to them.
Make sure you have your paperwork - fax it to them with your number they give you after filing the complaint . The banks hate this and must respond.

Contact the CFPB - you can also upload your complaints as well with proof.

Contact the FDIC - file a complaint -

Was your loan securitized? Contact the SEC - file a complaint - show proof-
If you are sure of securities fraud file under the whistle blowers program

Contact the FBI- Fraud in federal banks is a crime. Don't let them go unpunished

Contact the Mortgage Fraud Task force -

Find out if your loan was paid off you will need the IRS number of the bank which can be found on the SEC site - contact the IRS
Internal Revenue Service

Contact the bank - tell them you want a showing of your full mortgage file. Bring with you a lawyer, a hand writing expert , and if possible anything to show your proof of fraud. Also talk to local brokers , ask them to come with you.

Keep a record of dates, times, and conversations.

If your loan is in Freddie mac, Fannie May, or Mers, check it and make copies.
 Mers -
Fannie Mae Loan Lookup ( Fannie and Freddie look up)

Can't find your lender write this letter to the servicer

Sample Written Complaint to Lender
The following is a sample qualified written request from you, the borrower, to a lender. Use this format to address complaints under the Real Estate Settlement Procedures Act (RESPA). Be sure to read more about RESPA, and your rights under this Act, elsewhere on the RESPA site.

Attention Customer Service:

Subject: [Your loan number]
[Names on loan documents]
[Property and/or mailing address]

This is a "qualified written request" under Section 6 of the Real Estate Settlement Procedures Act (RESPA).

I am writing because:

    Describe the issue or the question you have and/or what action you believe the lender should take.

    Attach copies of any related written materials.

    Describe any conversations with customer service regarding the issue and to whom you spoke.

    Describe any previous steps you have taken or attempts to resolve the issue.

    List a day time telephone number in case a customer service representative wishes to contact you.

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.


[Your name]

REMEMBER: This letter SHOULD NOT be included with your mortgage payment, but should be sent separately to the customer service address.

You SHOULD continue to make the required mortgage and escrow payment until the request is resolved.

You may bring a private right of action under Section 6, if you suffer damages due to the lender's servicing of the loan. See the RESPA statute and regulations.

Go to your land records , have copies made of all your records on file. Keep a watch - Go monthly and ask if anything new as been added. Ask if anyone has looked at your loan .( they have to log in and they will have a copy of this as well )

 Don't waste time. Fight back.

More later ..

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