GG3706
La Grange,#2Consumer Comment
Wed, August 14, 2013
Brad -
I am afraid you lost me at 3-year recission period. No such animal. I do not know you to know for certain if you meant 3-day recission period, which is correct, or 3-year. If you were shorted your 3-day recission period, which is required by law and and included in firm's software to prevent this form occuring, then you are subject to all your money back, plus interest. Thats federal law.
Notary laws are specific to states/counties, but hand-written dates ARE acceptable in many areas, and I'm afraid you have no wiggle room there. Check your local statutes on that.
Any law firm with an ounce of service integrity (which is their operational objective) should at least allow you a free first-time consultation. If you have a winnable case, you may be able to leverage payment upon success of trial. But, you may not have a case as you have eluded to.
The appraised amount is on the appraiser, not the mortgage company. If you know it was appraised undervalue, then you are eluding to having seen the appraisal. The appraiser's name is on that. At very least, the company that person worked for is on it. Next in line (or in collusion) is the broker - again, not the mortgage company.
Another step you may take is going to the county to see a copy of all recorded documents pretaining to the property. This will tell you who recorded the mortgage (the title company). This would be the next culprite - again, not the mortgage company. Seek answers through them.
Although what I am saying here may leave a bad taste in your mouth, I am trying to help you get the answers you seek. I do caution you to seek answers before you seek justice, because what you are looking for may not be what you end up with. In short - I think you are looking in the wrong place. Start with my suggestions first.
Best to you.
Linenotla
Indiana,#3Consumer Comment
Thu, February 24, 2011
This story is almost identical to mine. The original loan came form the company Ameriquest in 2004 It has been bought and sold several times to the point I have no idea who owns the loan. We were not living in the home due to construction. In 2007 I worked out a deal with them to get caught up on the payments. My story is so similar that I too spoke with a Miguel that set up a payment plan. Then 2 weeks later a company came in and “cleaned the home” taking items that were packed up and taking boxes of personal pictures and tools. I was told that that it was foreclosed and there was nothing I could do. I now find out, in 2011, that we still own the home and now owe over two thousand dollars in back taxes and the property is still mine if I pay the taxes. Ameriquest or WM specialty, whatever they want to be called at the time, stated that it was foreclosed. Now the county were the home is, states they show that it was not foreclosed they started but did not go through with it. I am now franticly trying to track down the loan so that I can be assured that they will not take the home if I pay the taxes.
Cindy
Dawsonville,#4Consumer Comment
Tue, November 04, 2008
Wow, your story sounds all too familiar, I just printed out the new law in the state of Georgia about this very issue, AMC illegally foreclosed my property in the same manner with the same damages, but this new Ga law has informed me that I can pursue a liability case and reclaim what is mine. My property was foreclosed upon but still is in my name and I just recieved my newest county tax bill the foreclosure was 2 years ago. Funny I still own it and still get the tax bill. I am filing suit beginning of 2009, keep me posted in your case and I will do the same for you!
Brad, preditor hunter
whitestown,#5Author of original report
Tue, July 29, 2008
Process: July 29, 2008 My research today is directed to Washington Mutual Bank and WM Specialty Mortgage, LLC located in Seattle, Washington. My calls start at 2:50 PM on this date. I first called Washington Mutual Bank, 888-926-8536, to acquire the phone number for WM Specialty as contact info for WM is not in the phone directory and directory assistance does not list such a company. It is determined that WM Specialty is a subsidiary of Washington Mutual Bank. The bank offered a phone number for WM as 800-888-0055. I then called this number and reached Miguel, in Texas, call center for WM. I told Miguel that my mortgage is owned by WM and I am trying to find out where my mortgage closing documents are stored. Miguel does not find my loan number on his records and puts me on hold. Soon Pauline comes on line and asks what she can do for me. Turned out she was customer service and could not help me as Miguel had forwarded my call to her. Pauline then transferred my call to Aldo in the mortgage department. Aldo proceeded to look up my mortgage by my social security number, my loan number and my address. Aldo could not find my loan. I explained to him that the county recorder document Assignment of Mortgage provided to me by WM suggests that WM acquired my mortgage in the summer of 2007. Aldo put me on hold to do research. Fifteen minutes later I still had not heard back from Aldo. Eventually the call disconnected from Aldo. I dont think Aldo had an answer for me. I called back to the same number as Aldo, 800-788-7000, which was supposed to be a direct number to the mortgage department for WM. Beth answered the call and said she did not know of an Aldo and attempted to serve my call. I then gave Beth the same info that I gave Aldo and Beth attempted to find my mortgage. She spent time trying to find my mortgage as she said it should be in the system. The time then was 3:15 PM and Beth put me on hold to find my mortgage. Again I was on hold for a long time and no return by Beth. Oddly enough, Beth dropped my call?? I immediately dialed the number again and this time it gave me the new checking account line so knowing that salesman are more excited about new business I took that option expecting quicker service. I was correct. I heard the sales person panting until I told her I wanted to be connected to the mortgage department. She deflated but connected me. At 3:26 I was connected to the mortgage department by Paulina and Amanda answered. The whole scenario took place again and again Amanda could not find my mortgage in their system. Amanda then passed me to Donna, her supervisor. Donna is in New York. I went through the same scenario again with Donna. Donna could not find my mortgage. Donna tried all kinds of magic in her system and no luck. I then explained or read the named assignment document from the county recorder provided by WM to me. That did not help. Donna then called her corporate office in South Carolina for their help and they were of no help in finding my mortgage. Donna placed me on hold at that time which was then 4:05 PM. Donna came back and gave me a fax number of 206-965-3075 to have me fax to her the document of assignment I had just read to her. Again she stated to me that the corporate folks could not find my mortgage but would take my fax when they received it and do their research. Once they had an answer for me they would send me a letter in the mail sometime within the next 10 20 days. My fax and phone call concluded at 4:09 PM. My calls from beginning to this point were nonstop with no breaks. I still had nothing to show for all my research to find my mortgage closing documents that I had never received a copy of including the document statement of the three day right of rescission. So far, Argent Mortgage does not exist, Citi Residential does not have our mortgage documents, neither does ACC Capital Holdings and now it appears the purported owner of our mortgage, WM Specialty Mortgage, LLC does not have our documents or any record of our mortgage. My question is now, who is Dana A. Rosas, authorized agent who signed the Assignment of Mortgage between Argent Mortgage to WM Specialty who was supposed to have consummated the sale via the named assignment document in July of 2007 and is this an authentic legal document. There is no corporate seal or notary seal contained on this document that was used to sue us for foreclosure.
Brad, preditor hunter
whitestown,#6Author of original report
Tue, July 29, 2008
Process: July 29, 2008 My research today is directed to Washington Mutual Bank and WM Specialty Mortgage, LLC located in Seattle, Washington. My calls start at 2:50 PM on this date. I first called Washington Mutual Bank, 888-926-8536, to acquire the phone number for WM Specialty as contact info for WM is not in the phone directory and directory assistance does not list such a company. It is determined that WM Specialty is a subsidiary of Washington Mutual Bank. The bank offered a phone number for WM as 800-888-0055. I then called this number and reached Miguel, in Texas, call center for WM. I told Miguel that my mortgage is owned by WM and I am trying to find out where my mortgage closing documents are stored. Miguel does not find my loan number on his records and puts me on hold. Soon Pauline comes on line and asks what she can do for me. Turned out she was customer service and could not help me as Miguel had forwarded my call to her. Pauline then transferred my call to Aldo in the mortgage department. Aldo proceeded to look up my mortgage by my social security number, my loan number and my address. Aldo could not find my loan. I explained to him that the county recorder document Assignment of Mortgage provided to me by WM suggests that WM acquired my mortgage in the summer of 2007. Aldo put me on hold to do research. Fifteen minutes later I still had not heard back from Aldo. Eventually the call disconnected from Aldo. I dont think Aldo had an answer for me. I called back to the same number as Aldo, 800-788-7000, which was supposed to be a direct number to the mortgage department for WM. Beth answered the call and said she did not know of an Aldo and attempted to serve my call. I then gave Beth the same info that I gave Aldo and Beth attempted to find my mortgage. She spent time trying to find my mortgage as she said it should be in the system. The time then was 3:15 PM and Beth put me on hold to find my mortgage. Again I was on hold for a long time and no return by Beth. Oddly enough, Beth dropped my call?? I immediately dialed the number again and this time it gave me the new checking account line so knowing that salesman are more excited about new business I took that option expecting quicker service. I was correct. I heard the sales person panting until I told her I wanted to be connected to the mortgage department. She deflated but connected me. At 3:26 I was connected to the mortgage department by Paulina and Amanda answered. The whole scenario took place again and again Amanda could not find my mortgage in their system. Amanda then passed me to Donna, her supervisor. Donna is in New York. I went through the same scenario again with Donna. Donna could not find my mortgage. Donna tried all kinds of magic in her system and no luck. I then explained or read the named assignment document from the county recorder provided by WM to me. That did not help. Donna then called her corporate office in South Carolina for their help and they were of no help in finding my mortgage. Donna placed me on hold at that time which was then 4:05 PM. Donna came back and gave me a fax number of 206-965-3075 to have me fax to her the document of assignment I had just read to her. Again she stated to me that the corporate folks could not find my mortgage but would take my fax when they received it and do their research. Once they had an answer for me they would send me a letter in the mail sometime within the next 10 20 days. My fax and phone call concluded at 4:09 PM. My calls from beginning to this point were nonstop with no breaks. I still had nothing to show for all my research to find my mortgage closing documents that I had never received a copy of including the document statement of the three day right of rescission. So far, Argent Mortgage does not exist, Citi Residential does not have our mortgage documents, neither does ACC Capital Holdings and now it appears the purported owner of our mortgage, WM Specialty Mortgage, LLC does not have our documents or any record of our mortgage. My question is now, who is Dana A. Rosas, authorized agent who signed the Assignment of Mortgage between Argent Mortgage to WM Specialty who was supposed to have consummated the sale via the named assignment document in July of 2007 and is this an authentic legal document. There is no corporate seal or notary seal contained on this document that was used to sue us for foreclosure.
Brad, preditor hunter
whitestown,#7Author of original report
Mon, July 28, 2008
Notes of todays research calls regarding our mortgage closing documents: July 28, 2008 My quest: Who has our original mortgage loan closing documents from our closing? Process: I looked by search engine on the internet for Argent Mortgage and I got the following contact information: Argent Mortgage Company Llc: Profile Argent Mortgage was a wholesale lending company that was purchased from ACC Capital Holdings by Citigroup in the summer of 2007. Citigroup has essentially re-branded Argent Mortgage as Citi Residential Lending. The office locations listed below are from 2007 and may or may not still be in operation. Argent Mortgage Company Llc: Notable Argent Mortgage Company Llc is a HUD-approved lender (US Department of Housing and Urban Develop Argent Mortgage Company Llc: Offices California 2603 MAIN ST FL 10 IRVINE, CA 92614 Tel: (800) 561-4072 Fax: (949) 798-7396 Irvine, CA Mortgage & Property Information 1 CITY BLVD W FL 18 ORANGE, CA 92868 Tel: (888) 311-4721 Fax: (888) 262-1501 Orange, CA Mortgage & Property Information Illinois 2550 GOLF ROAD, 10TH FLOOR ROLLING MEADOWS, IL 60008 Tel: (800) 369-5117 Rolling Meadows, IL Mortgage & Property Information 1701 GOLF ROAD, STE. 700 ROLLING MEADOWS, IL 60008 Tel: (847) 690-0517 Rolling Meadows, IL Mortgage & Property Information New York 333 WESTCHESTER AVENUE, 1ST FL WHITE PLAINS, NY 10604 Tel: (866) 345-6334 White Plains, NY Mortgage & Property Information 44 SOUTH BROADWAY, STE. 1200 WHITE PLAINS, NY 10601 Tel: (800) 704-8441 White Plains, NY Mortgage & Property Information I then proceed to call the first location in Irvine, California. The line was busy. I then called the second number in Orange California at 888-311-4721 and Ken answers after the automatic answering service answers as Citi Residential Lending. I choose option 5 and got Ken. I then explained to Ken that we closed a mortgage with Argent Mortgage in the summer of 2004 and that I want to see the original loan closing documents from our closing. I had called Argent now to get that info and your Citi Residential Lending answered. Ken stated that Citi Lending had bought out ACC Capital Holdings about October of 2007 and that Argent and Ameriquest no longer existed. Ken stated that his office did not have access to my documents and he could put me in touch with their Office of the President I asked if that was the same office of the AMC Mortgage Services President I had sent two letters of notice to in the spring of 2007? He said that was correct as Citi now occupied that office. Ken then proceeded to forward my call to the Office of the President at 800-442-8408. That number automatic answering service answered and then Steve picked up the phone. I told Steve that we never received a copy of our original loan closing documents including the three day right of rescission from Argent Mortgage in 2004. Steve proceeded to tell me that Citi Residential was only a loan servicer and did not have those documents and that ACC Capital Holdings Company, original umbrella company of Ameriquest, Argent and ACC Mortgage Services, would have the original documents for me to review. He said he could give me their number as 800-442-8408. I then called that number. The automatic answering services answered as Ameriquest Mortgage??? I dialed the inquiry option and Rick answered as ACC Capital Holdings Company. I told Rick I was confused as I thought Ameriquest was out of business. He stated it was. I then asked why his answering service answers as Ameriquest Mortgage? He said it did not do so!! I then told him to call himself and see for himself. I then told him the same info that I wanted as I had told Steve and Ken. He calmly stated that ACC did not have those documents that Citi Residential would have them. I told him that Citi sent me to him as they told me his department had the documents. I told Rick I wanted to be able to review all the closing original documents at their law firm in Indianapolis, Rubin and Levin. Rick said they did not have any attorneys representing them in Indianapolis. Rick proceeded to state that ACC is just a loan servicing company. I then asked him what he could tell me about WM Specialty Mortgage, LLC., and he stated they are a subsidiary lender investor of Washington Mutual Bank and that they would have provided Argent, a mortgage broker, the funds to close our mortgage. Rick emphatically stated that Argent was gone, Ameriquest was gone and ACC was soon to close its doors. I then told Rick I was sorry for him to have to handle such a job and wished him a better job and hung up. The bottom line, no one knows where our closing documents are and who owns them or they have all been told to give all such inquiries a major run-around to frustrate people to quit inquiring. My calls took place between 2:00 PM and 2:30 PM Central time, 07.28.08.
Brad, preditor hunter
whitestown,#8Author of original report
Mon, July 28, 2008
Notes of todays research calls regarding our mortgage closing documents: July 28, 2008 My quest: Who has our original mortgage loan closing documents from our closing? Process: I looked by search engine on the internet for Argent Mortgage and I got the following contact information: Argent Mortgage Company Llc: Profile Argent Mortgage was a wholesale lending company that was purchased from ACC Capital Holdings by Citigroup in the summer of 2007. Citigroup has essentially re-branded Argent Mortgage as Citi Residential Lending. The office locations listed below are from 2007 and may or may not still be in operation. Argent Mortgage Company Llc: Notable Argent Mortgage Company Llc is a HUD-approved lender (US Department of Housing and Urban Develop Argent Mortgage Company Llc: Offices California 2603 MAIN ST FL 10 IRVINE, CA 92614 Tel: (800) 561-4072 Fax: (949) 798-7396 Irvine, CA Mortgage & Property Information 1 CITY BLVD W FL 18 ORANGE, CA 92868 Tel: (888) 311-4721 Fax: (888) 262-1501 Orange, CA Mortgage & Property Information Illinois 2550 GOLF ROAD, 10TH FLOOR ROLLING MEADOWS, IL 60008 Tel: (800) 369-5117 Rolling Meadows, IL Mortgage & Property Information 1701 GOLF ROAD, STE. 700 ROLLING MEADOWS, IL 60008 Tel: (847) 690-0517 Rolling Meadows, IL Mortgage & Property Information New York 333 WESTCHESTER AVENUE, 1ST FL WHITE PLAINS, NY 10604 Tel: (866) 345-6334 White Plains, NY Mortgage & Property Information 44 SOUTH BROADWAY, STE. 1200 WHITE PLAINS, NY 10601 Tel: (800) 704-8441 White Plains, NY Mortgage & Property Information I then proceed to call the first location in Irvine, California. The line was busy. I then called the second number in Orange California at 888-311-4721 and Ken answers after the automatic answering service answers as Citi Residential Lending. I choose option 5 and got Ken. I then explained to Ken that we closed a mortgage with Argent Mortgage in the summer of 2004 and that I want to see the original loan closing documents from our closing. I had called Argent now to get that info and your Citi Residential Lending answered. Ken stated that Citi Lending had bought out ACC Capital Holdings about October of 2007 and that Argent and Ameriquest no longer existed. Ken stated that his office did not have access to my documents and he could put me in touch with their Office of the President I asked if that was the same office of the AMC Mortgage Services President I had sent two letters of notice to in the spring of 2007? He said that was correct as Citi now occupied that office. Ken then proceeded to forward my call to the Office of the President at 800-442-8408. That number automatic answering service answered and then Steve picked up the phone. I told Steve that we never received a copy of our original loan closing documents including the three day right of rescission from Argent Mortgage in 2004. Steve proceeded to tell me that Citi Residential was only a loan servicer and did not have those documents and that ACC Capital Holdings Company, original umbrella company of Ameriquest, Argent and ACC Mortgage Services, would have the original documents for me to review. He said he could give me their number as 800-442-8408. I then called that number. The automatic answering services answered as Ameriquest Mortgage??? I dialed the inquiry option and Rick answered as ACC Capital Holdings Company. I told Rick I was confused as I thought Ameriquest was out of business. He stated it was. I then asked why his answering service answers as Ameriquest Mortgage? He said it did not do so!! I then told him to call himself and see for himself. I then told him the same info that I wanted as I had told Steve and Ken. He calmly stated that ACC did not have those documents that Citi Residential would have them. I told him that Citi sent me to him as they told me his department had the documents. I told Rick I wanted to be able to review all the closing original documents at their law firm in Indianapolis, Rubin and Levin. Rick said they did not have any attorneys representing them in Indianapolis. Rick proceeded to state that ACC is just a loan servicing company. I then asked him what he could tell me about WM Specialty Mortgage, LLC., and he stated they are a subsidiary lender investor of Washington Mutual Bank and that they would have provided Argent, a mortgage broker, the funds to close our mortgage. Rick emphatically stated that Argent was gone, Ameriquest was gone and ACC was soon to close its doors. I then told Rick I was sorry for him to have to handle such a job and wished him a better job and hung up. The bottom line, no one knows where our closing documents are and who owns them or they have all been told to give all such inquiries a major run-around to frustrate people to quit inquiring. My calls took place between 2:00 PM and 2:30 PM Central time, 07.28.08.
Brad, preditor hunter
whitestown,#9Author of original report
Mon, July 28, 2008
Notes of todays research calls regarding our mortgage closing documents: July 28, 2008 My quest: Who has our original mortgage loan closing documents from our closing? Process: I looked by search engine on the internet for Argent Mortgage and I got the following contact information: Argent Mortgage Company Llc: Profile Argent Mortgage was a wholesale lending company that was purchased from ACC Capital Holdings by Citigroup in the summer of 2007. Citigroup has essentially re-branded Argent Mortgage as Citi Residential Lending. The office locations listed below are from 2007 and may or may not still be in operation. Argent Mortgage Company Llc: Notable Argent Mortgage Company Llc is a HUD-approved lender (US Department of Housing and Urban Develop Argent Mortgage Company Llc: Offices California 2603 MAIN ST FL 10 IRVINE, CA 92614 Tel: (800) 561-4072 Fax: (949) 798-7396 Irvine, CA Mortgage & Property Information 1 CITY BLVD W FL 18 ORANGE, CA 92868 Tel: (888) 311-4721 Fax: (888) 262-1501 Orange, CA Mortgage & Property Information Illinois 2550 GOLF ROAD, 10TH FLOOR ROLLING MEADOWS, IL 60008 Tel: (800) 369-5117 Rolling Meadows, IL Mortgage & Property Information 1701 GOLF ROAD, STE. 700 ROLLING MEADOWS, IL 60008 Tel: (847) 690-0517 Rolling Meadows, IL Mortgage & Property Information New York 333 WESTCHESTER AVENUE, 1ST FL WHITE PLAINS, NY 10604 Tel: (866) 345-6334 White Plains, NY Mortgage & Property Information 44 SOUTH BROADWAY, STE. 1200 WHITE PLAINS, NY 10601 Tel: (800) 704-8441 White Plains, NY Mortgage & Property Information I then proceed to call the first location in Irvine, California. The line was busy. I then called the second number in Orange California at 888-311-4721 and Ken answers after the automatic answering service answers as Citi Residential Lending. I choose option 5 and got Ken. I then explained to Ken that we closed a mortgage with Argent Mortgage in the summer of 2004 and that I want to see the original loan closing documents from our closing. I had called Argent now to get that info and your Citi Residential Lending answered. Ken stated that Citi Lending had bought out ACC Capital Holdings about October of 2007 and that Argent and Ameriquest no longer existed. Ken stated that his office did not have access to my documents and he could put me in touch with their Office of the President I asked if that was the same office of the AMC Mortgage Services President I had sent two letters of notice to in the spring of 2007? He said that was correct as Citi now occupied that office. Ken then proceeded to forward my call to the Office of the President at 800-442-8408. That number automatic answering service answered and then Steve picked up the phone. I told Steve that we never received a copy of our original loan closing documents including the three day right of rescission from Argent Mortgage in 2004. Steve proceeded to tell me that Citi Residential was only a loan servicer and did not have those documents and that ACC Capital Holdings Company, original umbrella company of Ameriquest, Argent and ACC Mortgage Services, would have the original documents for me to review. He said he could give me their number as 800-442-8408. I then called that number. The automatic answering services answered as Ameriquest Mortgage??? I dialed the inquiry option and Rick answered as ACC Capital Holdings Company. I told Rick I was confused as I thought Ameriquest was out of business. He stated it was. I then asked why his answering service answers as Ameriquest Mortgage? He said it did not do so!! I then told him to call himself and see for himself. I then told him the same info that I wanted as I had told Steve and Ken. He calmly stated that ACC did not have those documents that Citi Residential would have them. I told him that Citi sent me to him as they told me his department had the documents. I told Rick I wanted to be able to review all the closing original documents at their law firm in Indianapolis, Rubin and Levin. Rick said they did not have any attorneys representing them in Indianapolis. Rick proceeded to state that ACC is just a loan servicing company. I then asked him what he could tell me about WM Specialty Mortgage, LLC., and he stated they are a subsidiary lender investor of Washington Mutual Bank and that they would have provided Argent, a mortgage broker, the funds to close our mortgage. Rick emphatically stated that Argent was gone, Ameriquest was gone and ACC was soon to close its doors. I then told Rick I was sorry for him to have to handle such a job and wished him a better job and hung up. The bottom line, no one knows where our closing documents are and who owns them or they have all been told to give all such inquiries a major run-around to frustrate people to quit inquiring. My calls took place between 2:00 PM and 2:30 PM Central time, 07.28.08.