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fraud in home refinance?

  • Thread starter Thread starter mrwizardpc
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M

mrwizardpc

Guest
What is the name of your state?california
Faxed "notice of cancelation" to refinance agent prior to deadline--4:39 pm[phoned agent at 4:00 but only got voice mail}---Of Course not 5 min. had passed and----RING---call from cell phone saying returning to office(very upset)--Like I cared,the settelment charges were $17,000 on a $238.000 refi---OH,you getTTA my fax but not my phone? Wait a second,let me get back up from "FALLING OFF THE MULE" --ok,he's back at office---faxes an escrow doc. for us to sign and return:::::to rescind our "NOC". SOFL--now he's really upset --You must think I'm some "oakie from mosokie--not giving you--now it's $23,000 settlement charge--$8000 plus [broker fees--3.5 points] no wonder you continue to tell me you make $80,000 a month--THE BIG SHOT-SOOOO BIG--tries this one:::If you don"t rescind your canel rightswith me,your exsisting mortgage will be in default.
DUFUS---It is now Oct.1 already past that stage
BIG SHOT---remember my earlier call to V.P. of your mortgage com. to take care of the default problem? Yea right(found out later)
FROM BIG SHOT TO DUFUS--My turn, I get to be the BIG SHOT now and you become the DUFUS--AND THIS IS ETHICAL BUSINESS PRACTICE ON YOUR PART---SEE YA,SURE WOULDN'T WANT TO, BE YA
After all that--calls back on 6th(would have been closing day)--THIS TIME TWO MORE TRIES
faxes 2 seperate new escrow papers --same purpose--just shifting numbers around--OH BY THE WAY--decides to add another $4,000---YOU KNOW getting up from that that fall and all--DUFUS I SAY:Have a good life and go take a flying>>>>>an the way.
READY AGAIN? 5 min later and DUFUS is back for more--informs me that he will no longer be doing any further business with me and informs me he: I QUIT. Oh-GOODY GOODY CAN i GO OUT AND PLAY NOW? Now Dufus, my man of wonder and amazement, I SAY, and that was the end of DUFUS........Can you believe there's more::End up calling to take care of mort. payment ---OCT.13---YOUR ACCOUNT IS PAID IN FULL---OH DUFUS,WE STILL LOVE YOU--YES HE PUT IT THROUGH ANYWAY--CALL OWNER OF REFI COMP.
For some strange reason::WE DIDN'T RECIEVE THAT FAX ON YOUR CANCEL DOCUMENT.
THIS MEANS YOU MUST BE THE HEAD DUFUS -i GOT FAX RECORDS,PHONE RECORDS---SO MRWIZARDPC(me) GETS TO BATTLE A BIZZILIONAIRE----I HOPE I CAN GET MY ORG. LOAN BACK--YOU SAID WHAT YEAR WE IN NOW?
PEACE AND HOPE FOR ALL MANKIND
 


Indiana Filer

Senior Member
Huh

Anyone have any idea what language this is supposed to be? Or do I need my secret decoder ring from my Freakies cereal to translate it?
 

HomeGuru

Senior Member
Indiana Filer said:
Anyone have any idea what language this is supposed to be? Or do I need my secret decoder ring from my Freakies cereal to translate it?


**A: it is partly Klingon ebonics.
 
M

mrwizardpc

Guest
california
no sense of humor in cyberspace? Just trying to add a little humor to it all.
How's this:
ok--faxed notice of cancelation to refi agent
he in turn faxed back escroe doc. to sign and fax back to him. The purpose of escrow doc. from agent was to rescind our right to cancel we faxed earlier--Oct.1 We did not sign and thought we were done with this refi.
Same thing happened on Oct.6,this time he tried twice with two different (new) escrow docs.
Again we did not sign and return---He calls back next few minutes and informs us he will no longer be persuing our loan and is quitting.
Great,except he ended putting the loan through anyway. We found this out on oct.13,when we attempted to pay oct. mortgage.
Contacted owner(broker) and he told us that they never recieved fax on cacel notice.We have proof of faxes and some phone calls sent and recieved.
Any help with this or directions to take would be great. Excuse org. message but, ---$10,000 difference in refinance loans was a little hard to take. We were ready with another refi when for $10,000 less and all the same particulars of loans.
p.s.---SMILE,IT'S GOOD FOR THE HEART
 
M

mrwizardpc

Guest
california
#1--yes, in our home #2--no,closing was set for Oct.6
rescinded Oct.1
#3--no,We faxed the cancel document to refi agent
we were told by agent:All faxing to be done to this same number
(very important to make sure they are all sent to this number).
We were also told that:Escrow-Title-Mortgage bank-finance dept.
were all in the same building-so they all would recieve our faxes sent.
Which,to us, meant that they all recieved our rescinding document.
Our refi agent was the only person we talked to throughout entire refi.
#4--Yes--(from answer to #4)
#5--Yes-My lender must have sent to escrow,who in turn,sent to new
mortgage bank.
 
M

mrwizardpc

Guest
The Signing

calif........ok Ciarriane here are the events in order::::::09/28/04 Notary
arrives at 7:15p.m. with refinance loan documents for my wife and I to sign. The numbers were not the same as ,what was offered to us via telephone and faxes. Decided,after discussion with notary, we always had our "rights to cancel" by 10/01/04>>12;00/midnight. Yes we signed ever document you mention in reply,plus------we did try to reach broker before signing. Could only leave message.
Last day to rescind:Tried phone call at 4:00P.M. to broker one last time. We waited till 4:39 and faxed our "notice to cancel" to broker. He calls in 5 min. from car and says he's headed back to office.
5:00pm-he faxes an escrow document for us to sign and fax back. He wanted us to rescind our rights to cancel..no no goodbye
10/6/04--another escrow document faxed for same purpose and then one more time he sends another. This is all at about 5;00pm--(this would have been day escrow closed). We did not sign any of these docs.
He got just a little bit upset--cursed at me some and hung up. Within 5 min he calls again::::I am not going any further with loan process and I am informing you:I quit.
Anyway he ended up putting loan through--found out 10/13 Called owner next day--We never recieved "notice to cancel" from you. Now I have to go up against----lots of money,lots of power,etc,etc. The only lawyers that we have talked to[those that would at least return call or email]
$200/hr just to talk--one was $500 to look at papers plus a $10,000 retainer....I rebuild homes-I have been studing the law in the attempt to get our mortgage loan back plus some $23,000 settlement charges. $8,000plus just for his fees--wasn't to hard to add up the numbers and see what was really happening. We will continue, best we can, and what happens is......
We live in a sad world where money and power rule. One day mankind will awaken to---------You just got to love-em all. Try that for a while. Tends to make life very interesting. Enough of that. Really, any guidence or directions to try or web site or anything would be...No-one wants to help one another. Thank You for your concern---
I did read that part of law you refered to and many others that were broken by this refi...we just have to try to do it ourselves..
Peace and Love to all
 
M

mrwizardpc

Guest
maybe not

calif.......1st---no phone number on cancel doc.
2nd---We should have been informed about this by broker(you know he would have know this)Why were we not told? Plus--We attempted to do just that except they had no information on this loan.....I tried name ss number, loan from them acct.number--I was even told that all their loans started with 3 zeros. Ours had a 1 then the 3 zeros. They would not even give me one of theit fax numbers just incase this loan wasn't in their system yet. That is when we became very,very, concerned. Today was the first day that,when we called them,I was in the sysem now
Spoke to a person their today that has communications with their legal dept. She was very kind and very concerned. She asked for a fax of the "notice of cancelation" doc. and a copy of my "confirmation of fax" inreguards to the date time and number of our fax to broker. Told us to "continue with your pursuit of this--go get em. Nice lady--her kindness was very much needed by us.
I have fax,phone(both cell and home) records.I can even have the phone records that you do not get --order by the court. If I just knew the correct procedure to start a lawsuit. I do not want to create a senerio where I filed the wrong form (or whatever,you know what I mean). Is ttheir some kind of law that does not allow anyone to give information like that?
I searched and scearched,only to get a lawyer who doesn't do that kind of law or the cost is way beyound our means. I will continue my pursuit to find out the legal way to ---get oour day(s) in court. I have some very good evidence on this. One lawyer said if I could back-up this info she would take the case--Sure $200/hr just to talk to us about the case.
Well off again on my search for the truth,the way, and the light
ps....any help out their in cyberspace?
pss....remember that we were told everone is in same building(by broker and more than once)which means everyone was faxed doc.
Guess what?--of course they are not all in the same location--guess I'm back as DUFUS again
 
Last edited:
The instructions are very clear on how to rescind a loan. I've read through your posts here (got 2 headaches in the process) and still haven't seen anything about telling the title company you are rescinding. You were supposed to call them as well.
 
M

mrwizardpc

Guest
!!!!!!@@@@####$$$$%%%%^^^^

calif. according to the what my loan broker>>>>>>>>>><<<<<<<<<<<<
this is not the lender"""""""""""""""""""""""""""""
the lender is the BANK::::::::::::::::::::::::::::::::::::::::::::::::
they are the new owners of our DEED OF TRUST%%%%%%%%%
how my doing? ok now----listen up*********************
according to the only person we ever had any contact with was:
remember BIG SHOT? The ONLY oneour loan broker............
we only talked to him,,,,,,,,, LOAN BROKER--TITLE-ESCROW-and the LENDER(BANK) all in the same building ---------------------------
so as far as we knew everone recieved all our faxes from the start......
NOW..............being that//////////////so what diid we find out Oct.13?????
you got it right"""""""""""""They have their own offices and ARE NOT """"""""
IN THE SAME BUILDING--that tells me just one thing---We were misled to believe we acted properly and according to proper real estate law.
There was no reason(at that time)of knowing that our loan broker had us fooled into thinking we did the "right to cancel"the legal way.

that means that the cancel was not done according to the legal way
GEE-THAT KINDA MEANS HE AND HIS COMPANY LEGALLY TAKE YOUR HOME LOAN AND $20,000 DOLLARS OF OUR LIFE SAVINGS BECAUSE YOU DID WHAT YOUR LOAN BROKER TOLD YOU TO DO
HOW MANY LAWS DO ALL YOU THINK WERE BROKEN???????
It also makes me wonder------how many past borrowers has this happened to----how many more are they going to be able to con into this type of refinance This is what happens when greed and power take hold-
Maybe this will end up helping other borrowers from falling int the den of wolves---But the wizard is not done with this--I will find a way to expose these people and their lending scams
Goodnight All--I could still use some help on where to find info on proper procedures
 
M

mrwizardpc

Guest
to the guru of law

calif. now why would someone,like yourself,after reading my post
read another one? why not just stick to those wise suggestion we all have the privy to read. GO FIND AN ATTORNEY???
Well that must be what we (klingons) call-- wit and wisdom, spoken from the Great Guru of Mortgage,down there on that green planet we pass, on our way to enlightenment.
Now guru: this wizard sitting her does not know it all. We went looking for help and suggestions. What have we found so far: I went from Wizard,to DUFUS,to Klingon who gets his magic from his "freakies" cereal box?
And you can not understand me? I have an excuss, all us klingons do.
What's yours?
YES, we rescinded on time and to where we were instructed to,
the document did not have the same address as the loan broker.
As I said earlier on what broker told us
ALL IN THE SAME OFFICE BUILDING--and yes, each of the them do have other offices where they do business--kinda like a burger joint franchise
That meant to ma and me:::we rescinded on time and even though the document had a different address than where we faxed it to,that is how we were instructed(by broker)to rescind our loan. We had no reason to believe
our loan agent was not telling us the truth, just so he could make his $8000plus broker fees. Our reescinding document does not have a phone number anywhere on it. I did say earlier that we did find a number for lender. We called before 3 day period was up, only to find out I don't exist in their system. We were put in their system today--lifes 's kinda funny that way. Like getting to corrospond with the great guru. Now take two asprin dear and go straight to bed now. PEACE AND HOPE IS ALIVE AND WELL
 

PghREA

Senior Member
Life would be so much simpler for you if you would forget the Klingon stuff and live in the real world.
 

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