We had adopted 3 eventually 4 of our grandchildren and since retirement did not last long, and we needed a bigger home plus my Dad was developing Alzheimers, the house on Buckhorn was perfect. My husband had fought his disability a very long time and still does but he was so excited to see my excitement when I found this home in the foothills of Ga. There were two lakes not a mile from us. The kids would all have a room and a big playroom downstairs and we could finish up the downstairs and put in another bath and make a little apartment for my Dad. He had a music room and I had an office for United Veterans.
It took years but we did it. The VA loan went through Ginny Mae and after renting the home for 18 months , we were set. We closed in December 2001 with Planters Union and the house payments were reasonable.
It was my dreamhome. It had a nice flat yard, a beautiful view and spacious. I could not believe that we added so many features to the already pretty home with a lot of cheers and tears in the homestead. We went through adoptions, illness,
Christmas times, remodeling the downstairs, a flood, some deaths and extreme illness but we had our own little spot we could relax and know we had something to leave our kids. We called out some attorneys to do our wills. We had it all figured out… (we thought). It did not take long before the Big Banks started selling loans but by golly we paid those housepayments first. We were not late. We moved in 2001 and we were gone Feb. 2011. The original bank sold to Regions. We did not know until we were notified to send payments to Regions. We then were later told to send payments to Everhome. Something was wrong. We were on a fixed rate but the payments went up. How is that possible? We were then told Everbank had bought the home… ( a subsidiary of Everhome Mortgage). They were all tied together but we did not know what was happening. We started receiving letters that the payment had increased again. WHAT?????? I started calling wanting a modification and the interest lowered. NO PROBLEM I was told in 2010. I kept making my payments only now they claim there is a problem with escrow and taxes. No...We are exempt as my husband is 100 percent disabled with homestead exemption...Then after I settled that…. I get a letter wanting 1800.00. I get a bunch of double talk and bullshit that sounds legal but know we don’t owe an 1800.00 house payment.
See, when you are on a fixed income, you have no money to fight the 1 percenters.
For what? Why is an 875 payment jumping.. I am not on ARM..I have a fixed rate...Fees for what???? I am told a clerical error by Everhome..go for modification but wait...I don’t qualify because I have never been late. The loan officer said, “ Skip a payment and fax me dada dada dada and we will modify the loan… This now is October 2010. I skip November. I pull out my wallet and card to call Everhome in December after calling day after day after day to be put off inquiring about my modification. Sometime in December I received a letter. YOU ARE IN DEFAULT. Really? One payment missed and I am in default. I call Everhome in Jax again to be told a private lender has the loan and I am pissed. What are you people pulling I inquire. I know about the stealing of homes… What the hell?
I am told, “ We turned down the modification and are calling the loan”. I am in shock. No body is lending in this crisis..What do you mean? I try to make my payment...they refuse the payment. Three days later I receive another letter that I have to leave the home. I did not have money for an attorney. What is happening? My kids are in school, my Daddy is now in a nursing home, my husband is with the VA getting treatment for a new diagnosis of peripheal neuropathy and we have a 5 year old who never knew any other home just starting kindegarten. PTSD is kicking in for my husband. We take a crap load of money and try to buy time with paying all we had to Everhome...Don’t take our home. We only missed one payment and now we are past due two. I look around the neighborhood and every house but three are empty..They have been foreclosed. I am pretty shook up because besides all that was happening with the house, my husband’s first born shot and killed himself in Michigan, our oldest just had a baby and the baby was on life support and she herself was in a coma from diabetes. She is a juvenile diabetic. All of this in the month of December. Poor Sara sees me fretting on DK and makes the baby a quilt. She has a fundraiser to help me through Christmas.. I barely remember the love because I was so upset. I had not ever remembered being in this shape in like twenty years. What was happening? I got some money to help my son in law race from one hospital to another. The baby was in one hospital and his wife in another 50 miles away.
We were losing our home and our family was sick, dying and dead. We got through Christmas and we didn’t make it to a funeral, and get daughter and granddaughter home from hospital. I am so exhausted on Christmas that on New Years Eve for the first time in 6 years my husband and I go out to eat to discuss our options. We decided to walk away. We would take every dime we had and sell or give away possessions and move to Florida, ( his homestate). We would find a place to lease and just walk. This is exactly what we did. We found a smaller home but nice, higher priced, but nice and our family was splitting apart.
The oldest daughter with juvenile diabetes was upset we were moving. She had a newborn and both recovering from childbirth. We had to say goodbye to my Dad. This would be the last time I would see my Dad alive. We played music and spent the day with him as we loaded up our possessions. I hugged my sister. We spent January 29th loading the moving van. I had spent the whole month of January securing another residence out of state. My husband was almost dazed and pretty much spent the day in the music room. I cried as I packed as friends stopped by asking us not to leave. We felt we had no choice. We had been robbed. Pure and simple. I never saw my grandson that we buried in October this year again. We stayed in touch but never saw one another again. I had sworn never to step foot back in Ga again but had to when Daddy died. I had to again when Anthony killed himself in October this year. I talked to him but after the home was gone, I never saw him again. Our daughter has been in and out of comas for the past few years. My husband was in our new residence in Florida exactly two days when he went into the hospital for PTSD, plus other ailments and our 18 year old went back to Ga three days after we moved to Florida. We were in the new residence Feb 2, 2011. We were approximately 400 miles away from the homestead. We did not see our 18 year old for a year or so. He moved in with friends he did not want to leave in Ga. The whole family was just all to pieces. We got through it but I will never get over it. I received a certified letter in March 2011 that the home was foreclosed and gone and up for auction. They sold the home for 25,000 and it was a 150,000 home. This happened in Oct. that someone auctioned it off… Guess who lied on our credit report saying we missed 17 payments when the house was gone in less than 4 months.
The county contacted me last year that the deal was extremely shady and sent me paperwork that just didn’t add up. The home was resold for 174,000 in 2012. There is no judicial process in the state of Ga for foreclosures. This is the real deal when you are robbed of your home. If they had Burned it down, that would have been kinder. The judge that I knew that fired a shot heard around the internet, tried to stop some of this in Carroll County, Ga. when he referenced Alice’s Restaurant. He wanted justice against the Banks and the only judge I know to take a stand against the Big banks back several years ago. I know this judge and he is a fair man.
www.huffingtonpost.com/...
"Sometimes, only the courts of law stand to protect the taxpayer. Somewhere, someone has to stand up," Blackmon wrote in a five-page Nov. 2 order in Carroll County Superior Court. "Well, sometimes is now, and the place is the Great State of Georgia. The defendant's motion to dismiss is hereby denied."
Blackmon's order shot down U.S. Bank's request to throw out a complaint from Georgia homeowner Otis Wayne Phillips, who had tried to get a mortgage modification from the bank. Phillips could not be reached for this story.
The order lays the case out like this: Phillips is in danger of foreclosure. U.S. Bank is among the "poorly run organizations" that recently received massive bailouts from the federal government and agreed to participate in the Obama administration's Home Affordable Modification Program. When Phillips applied for a modification, the bank denied his request "without numbers, figures, or explanation, reasoning, comparison to guidelines, or anything."
HAMP guidelines require banks to consider homeowners for modifications if they are at risk of falling behind on their payments because of a financial hardship and if their monthly mortgage expenses take up more than 31 percent of their income.
"This court cannot imagine why U.S. Bank will not make known to Mr. Phillips, a taxpayer, how his numbers put him outside the federal guidelines to receive a loan modification," Blackmon continued. "Taking $20 billion of taxpayer money was no problem for U.S. Bank.
I read where Everhome was fined millions and millions by the DOJ and they are still swindling people according to the Ripoff report to this very day. They were fined but still stealing veterans, disabled and senior’s homes. These are their favorite target from what I gather from reading.
www.auctionnetwork.com/...Don’t even ask me what happened to the garage door.. I have no clue...it was there when we left.
www.ripoffreport.com/…and more
www.ripoffreport.com/...and more
www.ripoffreport.com/… and more
www.ripoffreport.com/…
Dept of Consumer Affairs...167 complaints
www.consumeraffairs.com/…
DOJ
PLEASE NOTE: As of July 2013, the Independent Foreclosure Review ended at all mortgage servicers supervised by the Federal Reserve that were subject to foreclosure-related enforcement actions. The mortgage servicers reached an agreement in principle with the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System to provide approximately $10 billion in cash payments and other assistance to help borrowers. More information regarding the Payment Agreement can be found here.
Background and History
The Federal Reserve Board issued enforcement actions against four large mortgage servicers--GMAC Mortgage, HSBC Finance Corporation, SunTrust Mortgage, and EMC Mortgage Corporation--in April 2011. Under those actions, the four servicers were required to retain independent consultants to review foreclosures that were initiated, pending, or completed during 2009 or 2010. The review was intended to determine if borrowers suffered financial harm directly resulting from errors, misrepresentations, or other deficiencies that may have occurred during the foreclosure process. In September 2011 and April 2012, the Federal Reserve Board issued similar enforcement actions against Goldman Sachs (Litton Loan Servicing LP) and Morgan Stanley (Saxon Mortgage Services, Inc.).1
A number of servicers supervised by the Office of the Comptroller of the Currency (OCC) were also required to conduct independent reviews. (See below for the full list of servicers.)
The deadline to request an independent review was December 31, 2012.
Eligibility for Independent Foreclosure Review
Borrowers were eligible for an independent foreclosure review if they met the following criteria:
- the property securing the loan was the borrower's primary residence;
- the mortgage was in the foreclosure process (initiated, pending, or completed) at any time between January 1, 2009, and December 31, 2010; and
- the mortgage was serviced by one of the following mortgage servicers:
America's Servicing Company* |
Countrywide* |
National City Mortgage* |
Aurora Loan Services* |
EMC Mortgage Corporation* |
PNC Mortgage* |
BAC Home Loans Servicing*
|
EverBank/EverHome Mortgage Company* |
Sovereign Bank* |
Bank of America* |
Financial Freedom (OneWest) |
SunTrust Mortgage* |
Beneficial* |
GMAC Mortgage* |
U.S. Bank* |
Chase* |
HFC* |
Wachovia Mortgage* |
Citibank* |
HSBC* |
Washington Mutual (WaMu)* |
CitiFinancial* |
IndyMac Mortgage Services (OneWest) |
Wells Fargo Bank, N.A.* |
CitiMortgage* |
MetLife Bank* |
Wilshire Credit Corporation* |
*These companies are participating in the Payment Agreement.
Eligible borrowers were sent a Request for Review form by mail starting in November of 2011 when the program launched.
If a borrower previously filed a complaint with these servicers about foreclosures pending during the review period, they were still eligible to file for an independent review of their foreclosure.
There were no costs associated with being included in the review; the review was a free program. Borrowers should beware of anyone requiring payments for assistance in connection with the Independent Foreclosure Review or any other foreclosure assistance program.
Federal Reserve's Role
The Federal Reserve's role is to ensure compliance with the enforcement actions issued in April and September of 2011 and April of 2012, including the payment process under the agreement in principle announced in January of 2013.
OCC and Federal Reserve examiners are continuing to closely monitor the servicers' implementation of plans required by the enforcement actions to correct the unsafe and unsound mortgage servicing and foreclosure practice
WE WERE .IN THE CLASS ACTION...SOME got 300 dollars.. WE GOT NOTHING !
www.occ.gov/...
OCC Imposes Restrictions on Six OCC-Regulated Mortgage Servicers
On June 17, 2015, the OCC announced certain business restrictions related to mortgage servicing activities of EverBank; HSBC Bank USA, N.A.; JPMorgan Chase Bank, N.A.; Santander Bank, National Association; U.S. Bank National Association; and Wells Fargo Bank, N.A. The OCC determined that these banks have not met all of the requirements of existing consent orders. The restrictions include limitations on:
- acquisition of residential mortgage servicing or residential mortgage servicing rights (does not apply to servicing associated with new originations or refinancings by the banks or contracts for new originations by the banks);
- new contracts for the bank to perform residential mortgage servicing for other parties;
- outsourcing or sub-servicing of new residential mortgage servicing activities to other parties;
- off-shoring new residential mortgage servicing activities; and
- new appointments of senior officers responsible for residential mortgage servicing or residential mortgage servicing risk management and compliance.
These restrictions vary based on the particular circumstance of each bank. The purpose of the business restrictions is to focus the banks’ resources on the corrective requirements of the consent orders that they have not yet completed. The restrictions will not impede mortgage financing and origination and will not restrict consumer access to mortgages.
Here is another ticked off consumer who went to the DOJ
everhome-mortgage.pissedconsumer.com/...
This is the story of how Big Corporations and Big Banks take more than your home. They split up families, they cause distress, they take away your dreams and all for just one more dollar. I want those people prosecuted. They are the ones with a special place in Hell.
So when people ask me who I am voting for. I am voting for the one going after these crooks. You now have a face and a REAL story to understand why.
If Bernie wants to put a face on this outrage… Here it is…Sen Sanders is welcome to use a real life story.
Our last 6 weeks in the home at Christmas.