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HAMP program is not working

posted by Anonymous on 11/09/09 12:31pm
Economy
Other

Plese help those of us who believe we would qualify for the Making Home Affordable Progam  ( HAMP)  I have been denied becasue of what I believe is an income error in my mortgage companies system ( IndyMac / Onewest bank) I have been over it quite a few times with their loss mitigation department and they only want me to keep reapplying. I have been at this process since March 2009 and it is now Nov 2009.  I did not buy this home without knowledge or on a whim. We have invested 7 years and alot of $$  on this house but lost $2000 a month in income in April 2008. I can not refinance due to the home lossing so much value in the last year. I do not want a reduction in principle I just want a lower payment with the help of the loan being extended to 40 years or a slight interest decrease. Please help the American people!  It was stated on King 5 news  ( Seattle) last week that the mortgage foreclosure rate has risen to 300,000 per month nationwide campared with 60,000 last year!  WE NEED HELP NOW!!!!!!  Thank you for your time.

modification denied HAMP IndyMac Onewest bank foreclosure

Comments

On 12/03/09 10:47pm
We too have been in the process to try and remodify our loan due to my loss of job because of the economy and a major Airline merger.  I have contacted IndyMac weekly since Sept 2009 and was sent a trial mod based too high and then was told that another offer would be sent to us only to find out that we have to wait another 60 to 90 days in the mean time a Sheriffs Sale is set for Jan 2010.  We have tried to work with them and can't seem to get past the collection people who don't even know or care if we are wanting to pay an affordable payment.  We have a bad loan through IndyMac and our house is not worth what the loan is any more.  Please Help the American People.  We are in Minnesota but it looks like IndyMac is trying to Rip Off everywhere please help save our homes.

 

By Anonymous

On 1/07/10 8:23pm
Four home owners ARE suing Aurora in New York, they state HAMP HAS NO DUE PROCESS FOR HOMEOWNERs,  they are CORRECT.  As was pointed out by a Federal judge already:   HAMP HAS NO TEETH HAMP HAS NO TEETH 

 

By Ann Onymous

On 1/07/10 12:57am
i have to give all credit to GOD for getting us this far . We have been going thru one modification after the other . We were having to come up with $2500.00 payments and by the grace of God we made it .We have been denied . After we paid the money . Than we went on another trail period . Now we are going thru the Obama plan .
We paid the last 3 month payment before December . I was told we needed documentation .So , I called and asked if they wanted , the income statements for my wife and I . I was told on three seoarate occasions . That they just needed mine , which I knew , diddn't sound right , when her income was included in my finacials , when I first submitted and got approved for the trail Obama plan .
So , I kept calling back and was just told that they were sending me another denied letter , but it was showing on the computer that it was , still under review , i had already faxed them her statement , along with a letter , explaining that I was told by a couple of their people , not to send my wife info .
So , the person I got . Notified her boss and they both , e-mailed the underwriter  to let him/her know that I had already faxed in my wife P/L statement , along with a letter of explanation. I also had found out that they had a $600.00 car payment on my fiancials , that I didn't have , it was an error . Than they  took the  finiancial statement again and said by their calculations , it was right . So , I got to see if this is going to make the difference .
I'm not giving up . I have been in my house for over 13 years , the interest rates is almost 10 % and the property value has nosedived .
We need help.
 
 

 

By Anonymous

On 1/06/10 7:23pm
I was told in October by not one but two reps that I was approved for the HAMP and that i should start making trials payments right away and after the third I should receive a package.  I excitedly made my three payments and on the day that I made me third I called to verify my next steps and the rep (to my surprise) stated that I was not approved and that I now owe 13k.  I was in shock and angry and began to cry.  I have 4 children and was excited and thought that I was finally getting through the process and will be ok but what am I suppose to do now?  They didnt know what to tell me but kept saying they were sorry that the two reps gave me the worng information.  The last rep who was a supervisor could only tell me to continue making the trail payment.  Why should I continue paying an amount that they gave me but was never approved.  What is the point of this and what am I suppose to do now.  They made sure to tell me also that my home insurance and property taxes was not paid.  I am scared that me and my small children will be homeless soon.  I called back today and a rep to me to reapply now and took my financials and came back to tell me that im not approved again because i have way too much expenses!  WTF!

 

By Anonymous

On 3/05/10 3:12pm
My question is what is the point of having a trial period if you are just going to get denied? Talk about false hope...

 

By Anonymous

On 5/01/10 10:30am
I applied for a loan modification to Chase bank, after I lost my job and was on unemployment, and my husband had to go on disability within 2 months of one another. I was stalled for 14 months, they lost my paperwork TWICE, then they told me I didn't qualify because I DIDN'T HAVE ENOUGH INCOME. But I had enough income to pay a higher payment, didn't I???. Add to that the real estate in our town dropped 35% due to the main factory employer going out, and I have an underwater loan. If it was not our family homeplace of 21 years, I'd let it go back. This is not right. They bailed out these banks, but now the banks won't help us. Why aren't you helping us Obama??? 

 

By Anonymous

On 2/04/10 10:10pm
It is really ashame that most of us who believed that president Obama would act on his promise to make this a priority - as he stated so often in his campaign.  He must realize now that a plan can not be executed without enforcement, control and guidance.  As with the stimulous package - once the money goes to the banks and corporations the Fed no control. Such is the case with HAMP where the banks/lenders have only modified a small number of mortgages.  I believe it was around 66,000 thus far as reported on a TV program this past weekend. I applied last June, 2009 through Bank of America and called every month to check in on the progress.  The process was exhausting, frustating and ultimately demoralizing as B of A consistently tries to confuse the issue with their trained collections staff.  Instead of helping the situation, each time I called i was given a different story.  In August I was told that my paperwork was accepted and the process was on-going - furthermore B of A stated to me that it should only take a couple of weeks longer and I should have a judgement. A few weeks passed and I called again and was told that is was still in development and to check back the following month.  Finally in November when I called, I was told that the paperwork that I filed was no longer usable and that I would have to start the process all over again.  B of A told me that I needed to submit bank statements, pay stubs, a letter of hardship, etc.  They could not provide an understandable explanation and insisted that they could do nothing for me until I resubmit new information. I have read the many letters here and on other web sites.  It's amazing again how we all believed in our government and leaders.  We believed that Obama would be different and that his promises were real.  I think this failed program just adds to the frustration of the people in the US. It's another pipe dream - call it a lie.  I am not surprised at the number of protests and angry citizens we have today in the US.  Failed leadership and failed government affects us all in a very emotional, psychological and physical way.  I am exhausted and will end up walking away from mhy home since there is no assistance of plan in site that will help us out of this mess. In the long run i will ruin my credit for a few years and rebuild it.  By that time, we will most likely jus becoming out of the recession that we are in. By the way, it's funny how Obama puts a spin on how he has saved us from a "depression". . .when in reality it is a long drawn out recession that will last longer that anything that we have ever experienced. Next time, we should all know to vote a President who has experience with running more than a community shelter.  Should have put Hilary in there or McCain . . . oh, well we got the black guy who spoke well - in reality it was a PR thing - he is still just a puppet. . .not cool at all, but a nerdy dude for sure who is self absorbed and should really go back to non-profit groups. ha, ha.

 

By Anonymous

On 4/06/10 8:37am
I smell a hint of racism ,,, I agree that this government is like all the rest just a lot of PR and talk. But what does him being " a black guy " has anything to do with the recession. When Bush was in was it because a "white guy was in there".C'mon dude politicians are politicians White or black

 

By Anonymous

On 7/09/10 11:07am
 
The making homes affordable loan plan was designedto keep people from defaulting on their home loans.The government has dumped billions of dollars into the program but has not put anyone in place to oversee how the money is being used.There is a 6 month wait for the program then a three month trial period to make sure you can pay your loan on time every month.Then there is another 6 months of trial period payments.There was supposed to be an actual set point in time as to where you would actually be put on this program for a long term period.What the mortgage companies are doing is they are asking for repeated paper work and recent pay stubs over and over again,waiting for the borrower to end up on unemployment.Once the borrower cant produce a recent pay stub he/she will then be ousted from the homes affordable plan even though the borrower can still make the mortgage payments.I don't understand how this plan helps the economy.6 family's that I know have been foreclosed on in this manner.When I look online at Pissed consumer.com underhome loans, I see nothing but the same rants from hundreds of people yet I don't see anything on television or hear anything on the radio about this.I understand that there were a lot of rich fucks out there that bought beyond their means when the finance rates were low and the interest only loans and arms were available to anyone looking to flip a house and get rich.The people that I feel for are the ones that were not interested in flipping a home and actually put down 60,000 and have 80,000 in equity.Do to the fact that times are tough and that person has to seek some short term unemployment does not mean the borrower should get screwed over by a government that is only interested in owning everything.I cant believe the amount of money that is being laundered today by the government.When Obama said transparency he meant it!We are going to do things right in front of your eyes and there isn't shit you can

 

By Anonymous

On 2/13/10 6:40pm
Dear Mr. President,we would like to let you know your Plan is very good with HAMP ,but One west Bank/Indymac, don't Approve the People for that ,someone has to control that, see why people get denied, I think it should be a law : the People ,that already made the 3 Months Trial Plan successfully ,must be approved ,It's over 1 year, we made all Payments and all 3 Months trial Plan successfully  and still paying our Monthly payment ,but they don't do anything , they don't help people ,they just foreclosure homes, we need your Help , Dear Mr. President Please help us , I think the First thing should get done is that the people can stay in Home and 2nd is job and the Health care Best Regards,

 

By Anonymous

On 1/20/10 9:51am
Who is getting the permanent HAMP modifications? How did they get it? Why was I denied for HAMP? Why does the bank want to foreclose instead of allowing me to continue to pay the mortgage under HAMP? How are the banks determining if I qualify or not? How much longer can this go on? How does the "average joe" navigate around all of the numb minding bank jargon?
I can only hope and pray someone, somewhere will soon help all of us.
 

 

By David

On 12/29/09 4:14pm
We are in a similar situation. We are not behind but due to our income drop, we have been trying to modify our loan as we currently fit the hamp eligibility standards.    We completed the paperwork and sent it in almost a year ago and we are still working on it.   I again just got off the phone and was told I have to start from scratch and resend everything.    I have sent everything about 5 times.   Each time I call, they tell me I need to wait 60 days for a response.    I call back and they say the info they have is beyond 60 days so I need to resubmitt it.    Does that make sense.    They continue to get our income wrong and now saying we don't qualify.   Can they add and subtract?    We need help.  These banks were right there to get our tarp money and have US bail them out but they are not keeping up their side of the agreement.    This program has not increased jobs or helped the homeowner in any way.    What are we going to get out of this, increased rates, increased taxes, and a big kick in the ass.   
You want to help us, start doing what you said you were going to do - CHange.   Nothing has changed here.   The economy still sucks, their is more pork in the bills being written today then ever.   I guess you can call more government corruption CHANGE. 

 

By Anonymous

On 1/05/10 12:17pm
I have had numerous problems with Aurora, I have applied for a modification to bring down my intrest rate. I was denied over and over, I was slapped with defalt and  the foreclosure proceedings started. I called and called begged and pleaded with them and was told july 3,2009 my home was going to be acutioned off unless I came up with 12,000 to stop the foreclosure process. I borrowed the money to stop the foreclosure and sent it in this was around July 1st. I called to see if they had recived the money and was told that I had been approved for a modification on june 26,2009  that I would get the paper work in the mail and they would hold the check until I had signed the modification papers. I recieved the paper work and sent it in. I kept copy's of everything. I called to see when I would recieve my check back so I could pay back my loan I took out. I was told that they cashed the check which brought my loan current and null and voideded my modification with them. I was completly pissed off, how is this legal, if they would have told me on june 26,2009 that I was approved I never would have borrowed the money. Now I'm back in defalt again and they wont even let me apply for a modification.

 

By Anonymous

On 4/12/10 1:49am
 
 
 
George Harrison titled "Piggies" I invite you to listen to this song on youtube and see if it appropriately fits.
 
 
http://www.youtube.com/watch?v=MIopI2isIKc&amp;feature=related</P
 
Have you seen the little piggies Crawling in the dirtAnd for all the little piggiesLife is getting worseAlways having dirt to play around in.Have you seen the bigger piggiesIn their starched white shirtsYou will find the bigger piggiesStirring up the dirtAlways have clean shirts to play around in.In their ties with all their backingThey don't care what goes on aroundIn their eyes there's something lackingWhat they need's a damn good whacking.Everywhere there's lots of piggiesLiving piggy livesYou can see them out for dinner With their piggy wivesClutching forks and knives to eat their bacon.
This scripture Also reminds me of BofA:
Revelations Chapter 18:
 
 
 
Was anybody really surprised? I remember it seemed like the Countrywide CEO retired the minute the housing crisis broke out. Remember those articles that stated:
"Countrywide Financial Corp. CEO Angelo Mozilo, under fire over the size of his potential payout from the proposed sale of his troubled mortgage company, says he is forfeiting some $37.5 million in severance pay, fees and perks he was scheduled to receive upon his retirement." Wow! I wonder what his house looks like!? Well at least he got his bail out or modification from BofA.
 
Too big to fail banks such as Countrywide and BofA, were basically giving out loans that they knew that people would default on. This was done with practically no verification of income. Subsequently, these piggy banks would make millions upon millions of dollars. Leaving the American economy holding the bag full of bad loans. Once the piggy banks realized they had zero accountability, because Wall Street would buy these bad loans, they did not care. This is really where the problem starts. In the end, it seemed that their love of money, would be more important than their love of country. Basically because they knew that it was going to severely damage the American economy. Which incidentally Communist Russia was not brought down by nuclear weapons, but a failing economy. I mean if this were Iran or some other country, it would be considered an attack on the American economy. Ironically, the potential enemy here would not be named Iran, but MORE IRONICALLY NAMED Bank of America. Talk about being hung with your own rope! Maybe they should be named more appropriately "Bank of Defrauding America."
 
 
One:
Giving out loans to people who could not afford the loan. In retrospect, they sort of controlled the price of houses with their invisible money, as well as qualifying unqualified borrowers. Thus resulting in flooding the housing market with people who actually could not afford the home they were purchasing. Less homes available on the market will drive the price of homes up. All this was done with them knowing that the market would eventually be flooded with foreclosures on the people they gave loans, that could not afford the payments. It was like a dam broke open flooding the market with foreclosed homes.
 
Two:
Making us lose our equity. The result of the instant flood of foreclosed homes on the market would result in driving the price of our homes instantly down. It seemed like we all lost our equity over night and we all became upside down on our loans. Basically our houses were not worth even what we bought them for or borrowed the money for. All potentially caused by the piggy banks.
Three:
Asking for a Bail out: BofA would have the audacity to barrow something like 25 billion dollars from the American Tax Payer. Then they turned around and said they didn’t need it. Of course they didn’t! They sold the loans off! But what did they do with the nearly 25 billion dollars while they had it? They probably put it in an account and collected millions in interest. Basically free money! So the piggy banks would actually be paid and rewarded for their bad behavior and potential crimes. Well how about giving us a billion to put in the banks and collect interest on for a few months. We will also give it back after we make all the interest off of it.
Four:
False promise of a modification: Then piggy banks promise the American people a bail out in the form of a modification. In which they delay, harass and abuse the people asking for them. Which makes us all suspicious and wonder what are they are actually up to now? But what a slap in the American peoples face, after we delivered their bail out in record time. What have they done with that three month trial period money that we gave them? Probably put in the bank and made interest on it again! Sounds like we are being used over and over and over again! Depending on BofA’s integrity and empathy in the form of a loan modification, is insinuating that they had any integrity or empathy to not cause it all in the first place. I see it as equivalent as asking the bully who just stole your lunch money for a loan!
Five:
In the end Thomas Jefferson was right:
Thomas Jefferson 1802‘I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their ufathers conquered..’
　
Revelations:
 
 
 
I have filed a lawsuit against BofA . Please read article at
http://news.yahoo.com/s/prweb/20100323/bs_prweb/prweb3766544_1
I have heard that the BofA higher ups are looking at this site and I could use your supporting comments.
　
Thank you for your support.
John Wright
Homeowner and Taxpayer
God Bless
 
 
 
"RENDER HER EVEN AS SHE HERSELF RENDERED, AND DO TO HER TWICE AS MUCH , YES TWICE THE NUMBER OF THINGS SHE DID; IN THE CUP WHICH SHE PUT A MIXTURE PUT TWICE AS MUCH AS THE MIXTURE FOR HER. TO THE EXTENT THAT SHE GLORIFIED HERSELF AND LIVED IN SHAMELESS LUXURY."
 
 
The little piggy banks potentially caused the whole crisis by:
 
"THEY LIVED IN SHAMELESS LUXURY ......"
I think of the BofA and the people at the top when I read this. I am not suggesting that this scripture actually means that it is BofA. I am just simply suggesting that there are similarities. Never the less, these CEO people probably live in their mega mansions in no fear of foreclosure. After all, we do not read anything about the CEO of BofA being foreclosed on. Instead we read in USA Today:
 
 
"Bank of America and two former top executives were charged with securities fraud."
Is it time to start pouring twice the measure into BofA’s cup!
Please help me and United Law Group send a message to BofA which states, that we will no longer tolerate their potentially irregular, fraudulent and abusive business practices. In the end, the American tax payer did not fail to deliver the BofA bail out in record time, but BofA failed to deliver the American Tax Payer’s bail out in the form of a loan modification. It reminds me of that song by John Lennon and

 

By Anonymous

On 7/30/10 9:57am
I am also going through Chase in an attempt to get a HAMP modification. Just received my second denial. First was for missing paper work(nothing was missing) the second is for not being at least 60 days late and having sufficient cash reserves or assets to make mortgage payments.I do not have enough cash reserves to make any mortgage payments. They are looking at my checking statement ending balance before all checks have cleared, so of course it looks like I have enough money. My mortgage payment for the month hasn't even been deducted yet! Now we have to reapply. Been doing this since February 2009. So frustrated! I'm sure there will be other reasons for denial. This just seems to be the process. The fight continues.

 

By Anonymous

On 4/14/10 1:21am
Bank of America Lawsuit At: http://news.yahoo.com/s/prweb/20100323/bs_prweb/prweb3766544_1
When I filed my lawsuit against Bank of America, myself and United Law Group thought of the many others out there in the same situation. It was then that we decided to educate the public on what these piggy banks are doing, as well as unite us all together as one voice. Please help me turn this David vs. Goliath modification process, into a Goliath vs. Goliath.
Please stand with me and United Law Group and send an email to Bank of America that states that we will no longer tolerate their potentially illegal, fraudulent, irregular and abusive business methods.
Divided we might have fell America, but united we must stand!
Please send your email directly to Bank of America and include the following:
1. Your name
2. Your complaint concerning your experience with Bank of America.
3. Please end your email "I support John Wright vs. BofA Lawsuit!"
4. Please send a copy of your email to johns-wright@hotmail.com
Please send your email today to Bank of America at:
https://www3.bankofamerica.com/contact/?lob=general&contact_returnto=&st...
　
　
　
　

 

By Anonymous

On 5/28/10 10:28pm
I am sorry to hear that you are having the same troubles with Bank of America that I am. I have been trying since August of 2009, I have done everything they ask me to as well, and at the time of the third payment I was told suddenly that I didn't qualify, that the funds for "that" program had run out, that I would have to requalify, this is the "third" program I have had to requalify for, so you are not alone.

 

By Anonymous

On 12/15/09 2:28pm
Banks refuse most loan modification requests and continue to practice illegal and predatory lending practices.We are about to lose our home due to after almost two years attempting to modify our negative armotization option ARM loan with no success, even after hiring a modification attorney.  Our balance continues to grow and the home is worth $300,000 less than what we paid.  Aurora Loan Services just tells us to let the home go because they will not help us.We qualify for HAMP, yet ALS has not even offered it to us. They said we do not qualify for anthing as they are basing the 31% of our gross income on the MINIMUM option ARM payment and not basing it on the principal, interest, taxes and insurance. Then they cannot produce the original note, as ALS purchased the loan one month after we got it. Then they started foreclosure proceedings while we were in review for a modification.
The banks continue to control and dictate the market, thus the economy.  The programs are not helping. For those few that are allowed to go into the 3 month trial modification program, most are later denied for a modification.  Nothing is changing!!!!!!!!!!!!!!!!!!!!! 

 

By Anonymous

On 1/19/10 11:46am
My denial letter from US Bank arrived earlier today.  My wife called me to say we were denied due to "insufficient income".  Isn't that the EXACT reason i am applying?  Just when you think things can't get any worse, something like this happens!  If you have ever walked by a desk and seen a grown man weeping then they probably just received their letter!
We applied for our HAMP back in early October.  Were told several weeks later, after repeated calls to them because they will never contact you, that we qualified and would be submitted for approval.  Over the next several weeks i continued to call and get a status update and tried to question the representative to determine what happens now because i was still confused with the whole process.  I was told by several people on several occasions to "try" to make my current payments on time but if i missed one or two then it would not be a problem and that amount would be added to the final amount after we were approved.  I was also told that once we were approved, we would begin our 3 month trial period and that if we werwe able to make those trial payments on time, then the modification process would be complete.  I received a letter from US BANK in early December showing escrow amounts and schedules.  I called to question this and US bank claimed that an escrow account was setup for me, things were still on track, and my property taxes that were due at the end of the year would be paid out of this excrow account.  Mid December i started getting letters stating that we were delinquent in our mortgage and another missed payment would result in foreclosure.  We made our next payement and was told as long as we did not miss another one pending the HAMP approval, there would be no problems.
Here it is now mid January.  I just received a letter stating i was denied.  I have another letter stating that i owe them $3K by mid February or i will be submitted for foreclosure.  I also now owe the county just under $3K in taxes becuase they were not paid since we were denied for the HAMP.  I feel like i am doing everything i can to pay as much to my creditors as i can and still feed my family.  However, everytime i try to do as much as i can, it isn't good enough.  I am trying like hell to avoid bankruptcy, but the creditors don't seem to care so why do i continue to try to do as right by them as i can?

 

By Anonymous

On 3/11/10 7:19am
Like you are mention above about HAMP not working so on day it will happen to our health also so have to do the
health insurance because it is great part of life.

 

By Anonymous

On 12/11/09 9:09am
We need more security on our loan modification.  I just went yesterday to mediation.  My situation starts with dead in my family.  I request refinance at that time and I was ignore.  We lost one income and still trying to modify but bank just is helping one way, they way.  I do not receive any commitment from them, but they receive it from me, but nothing is secure, they can change opinion in three months.  I have three disable children working hard to let something secure for them.  How we can do something without any support.  What kind of help is this one?  Nothing is secure.  Bank only want my money for three month to see if I qualify in three months, what is going to happen in three.  My stress is very high right now, please help!

 

By Anonymous

On 5/15/11 2:04pm
I have been trying to get a loan modification for 2 years.
I even hired a legal firm to help me (they went out of business) I qualified for a trial payment program and then
was denied because I made too much money. I tried to appeal
the decision but was denied the appeal - they could not tell
me exactly why. It has been one thing after another and all
the stories I read sound just like mine. I have now been put
into a "traditional modification program" (to prolong foreclosure) and have been waiting for 3 months to be assigned an underwriter. I think the whole OBAMBA "program" is a smoke screen and set up for failure (the homeowners) It is a dog and pony show - a nut and shell game. The banks have been able too get away with a "terrorist act" and are not accountable. Where is the help - where is the complaint dept
I even got involved with HOPE - that was a joke. They said my records were too complicated and they could not invest the time.

 

By Anonymous

On 10/09/11 12:16pm
This is what OneWest-Indymac says on their website: We understand that many people are dealing with financial challenges right now so we are offering a full suite of programs to help borrowers who need payment assistance. These solutions range from short-term help, such as a repayment plan, to long-term assistance through loan modifications.
The reality of the situation is OnWest-IndyMac just plays games, uses incessant stalling techniques, and gives homeowners lip service and the constant runaround.
IndyMac still claims we are missing papers and yet we have clear documentation and shipment tracking numbers to support that we have sent them every conceivable document at least five times.
All to no avail.
Whatever their collections drones say verbally over the phone clearly cannot be trusted.
HAMP IS A JOKE with absolutely no BACKBONE, TEETH, or OVERSIGHT!!!!!!

 

By Anonymous

On 3/09/12 10:49am

Very frusterated--denied twice. I fall into all the criteria to qualify >:|

By Anonymous

On 4/02/12 10:46am

Qualifying criteria lol...my first loan was better than the mod but I was backed into the corner and forced to take it. It bought me time to hire a lawyer....and a real GOOD ONE!! I will be a pain in their a** long after they steal my home. Their acts are all premeditated thievery. Their methods to follow applicable law all premeditated thievery. The whole operation is set up to steal property. Also, those of you who was dumb enough to believe a phantom broker like I was/am, check your phone records during the original mortgage correspondence and if it was from TUSTIN CA. then you most likely had a Deutshe Bank employee using a fake name loading up Deutshe Mortgage Pools....thru IndyCrap Bank Ill save the name ( RR ) of the one I have documented for my day in court with these crooked bastards. Cant wait till they have to explain that one.

By TA

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