Apalachicola FL 32320 850-653-3838 Mr. Alfred Davis Florida Office of Financial Regulation Consumer Assistance Group 200 E. Gaines St. Tallahassee FL 3239-0381 Dear Mr. Davis; Thank you so much for listening to me, with so much patience, last week. I have attempted to gather up paperwork that I feel will be most helpful in your investigation. Just today, I found the following web page where the banks and servicers agreed to be of assistance to homeowners impacted by the oil spill. I am attaching the link. It is quite amazing that this happened the same month I first wrote to Brian T. Moynihan. themortgagereports/11886/fha-issues-disaster-area-guidance-to-mortgage-servicers. Also, I am attaching several pertinent links, including OCWEN news. Mr. Ben Lawsky, of New York, has found them guilty of back dating documents to put people in foreclosure. I am enclosing the document used by ULS d/b/a Bank of America to initiate foreclosure in my case. Apart from the fact it doesnt even have my name on it, it is dated July 12, 2011, with a complete date of July 15. I do not have the dated envelope, but from later correspondence where I kept the envelope, letters usually are postmarked at least 3 days after the correspondence date. You may be aware that millions have been denied for not getting docs in. You will also be aware that homeowners were told to be 90 days behind to qualify for HAMP. (Michael Moore, then Asst. AG in Tampa told me that Mike Fields, Market President, BAC Florida told him that was not so...). CRMs routinely disappeared after 90 days, 90 days also being servicers threshhold for docs being outdated. 90 days became irrelevant after they denied you for HAMP and were pushing in house mods, which are designed to fail. cloudedtitlesblog/ butlerlibertylaw/final-word-foreclosure-fraud/ businessweek/news/2013-12-16/secret-inside-bofa-office-of-ceo-stymied-homeowners-seeking-help wftv/videos/news/video-osceola-county-set-to-take-on-fraudulent/vCcNp4/ Page 2 Careful review of my time line will show patterns of deceit designed to prevent modification, but keep me believing we were working towards it. A quick yes or no, in 2010, would have prevented this. As my advocate they could have offered other remedies, like reverse mortgage, or go find another bank. I am not a mistake or an anomaly, this behavior has forced millions into unwarranted foreclosure. I have included one response from Urban Lending Solutions d/b/a Office of the CEO and President dated July 31, 2013. It is all incorrect, as have all responses given to regulators and elected officials who believed they were dealing with Bank of America. I can, of course, provide copies of any documents you ask for. I am not underwater. Whoever these people are, they have now used up about $90,000 of my equity....at 7.25% plus fees caused by their behavior. 5 years of hell. I will be 70 this year. Nothing in my American journey prepared me for what is happening with mortgage fraud, especially that it is taking so long for regulators to do something about it. Hopefully you can sift through this information and find the appropriate statutes. The many settlements enrich government and the victim home owners get nothing, or pittance of $300 to $1,200 for having their home stolen. This has got to stop. Thank you so much, Susan L Richardson Enc: Time Line 9 letters to Brian T Moynihan Assignment to Bank of America NA effective July 1, 2011 Anna Marie Cope BAC Office of the CEO and President, response to my initial letter, Letter addressed to Ms. Corral, back dated, July 12, 2011 Home Retention Services...Third party debt collector, also part of Urban Lending Solutions, I think. HRS and BAC Home Loans Servicing LP are separate, non affiliated entities and not related to each other.... July 5, 2011 Rick Phan. BAC Office of the CEO and President, we are a debt collector July 23, 2013 Walled Lake Credit questions to Rick Phan. June 5, 2013 Letter to Rupa Venkatesh, Office of Sen. Bill Nelson July 31, 2013 from Office of CEO and President, Gary Collins. This is ULS d/b/a Bank of America Office of the CEO and President and identifies Walled Lake Credit Bureau as an independent third party. In actuality, it is a wholly owned division of Urban Lending Solutions. Statements in this correspondence are incorrect. Fedex shipping cover 303-996-8937 reverse searched is Walled Lake Credit Bureau. 3 complaints
Posted on: Sat, 24 Jan 2015 15:24:11 +0000
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