;
  • Report:  #476868

Complaint Review: Bank Of America Home Loans Countrywide - SIMI VALLEY California

Reported By:
- SEATTLE, Washington,
Submitted:
Updated:

Bank Of America Home Loans Countrywide
400 COUNTRYWIDE WAY MS SV-314 SIMI VALLEY, 93065 California, U.S.A.
Phone:
800-669-0102
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
RESULT: BANK OF AMERICA HOME LOANS (AKA COUNTRYWIDE) HAS NOT MODIFIED MY LOAN AND HAS JUST LET IT SLIDE INTO THE AUCTION SALE. BACKGROUND: I have been trying to navigate the Bank of America Home Loans (BAC) / Countrywide (CW) retention program for 9 months with no avail. I have a home that is at a market value that is 60% of the balance on the 1st mortgage (Pay Option ARM), where I have fallen behind on payments substantially. I have worked with the BAC foreclosure home retention department and have been denied multiple times, even after proving documented undue hardship, consistent financial capability (to support a modified loan), and willingness to stay in the home to maintain a sustainable loan mod. In fact the trustee, handling the foreclosure, is at an opening bid price that is 50% of the balance which tells me that the investor has approved taking a huge loss at auction--costly for the lender/investor and for the home owner (myself) who is trying everything to stay in the home. After multiple applications (by myself and via loan mod 3rd party companies) and showing I have income to meet an adjusted loan amount/payment, I was told that there is ONLY ONE (1) reason that I am not approved for any loan mod that will adjust terms, interest, and/or balance that will allow me to maintain a 31% DTI that is needed for these programs to work long term: That REASON IS THAT THE "INVESTOR WILL NOT ALLOW LOAN FOR MODIFICATION", and has nothing to do with the fact that you've proven everything else. We all know that Bank of America took up to $45B dollars in government bailouts where the taxpayer is flipping the bill to save their toxic assets and fund their bonus pools in this economic crisis, however, do not see that the consumer should get the same deal if the investor who funded the loan does. So regardless of what "voluntary" modification programs are out there, H4H, HAMP, and the constant beating that Congress is giving the lenders/investors to ADJUST MORE MODIFICATIONS, if you have an Investor that doesn't care about helping anyone then the result it that they will let it go to auction even if they have to take 50% loss. BAC/CW will make every attempt to qualify your application by adding the late payments to the back of the loan and see what the payments are -- and they will call the investor to make sure that it is OK for this to happen, however, if they cannot recoup this amount from you, they will claim you do not qualify and will deny. If this is program is what it means to work towards a loan modification, then these programs are not designed to help at all. SUMMARY: WHAT I'VE LEARNED OVER 9 MONTHS, IS TO, BEWARE FALSE HOPES THAT BAC/CW IS HERE TO HELP YOU. THEY ARE HERE TO HELP THE INVESTOR THAT HAS OWNERSHIP OF YOUR LOAN, AND WILL NOT GO THE EXTRA MILE IF THEY ARE NOT DELEGATED BY THE INVESTOR TO APPROVE A LOAN MOD. DO NOT GO INTO THE PROCESS WITH BAC/CW NAIVELY THINKING THAT THEY ARE JUMPING FOR JOY TO HELP YOU--THEY ARE FAR FROM IT. All I want to say is that if you are not getting anywhere, it's probably because your lender's investor does not give a rip about helping you and will foreclose at a huge loss inspite of your efforts. I hope that this will create some level of awareness that BAC/CW and other lenders are not being just focused on getting you a qualified loan mod if they can't get past the investor. SO ASK THE QUESTION EARLY: WHO IS THE INVESTOR THAT OWNS MY LOAN AND IS THIS INVESTOR THAT HAS THE FINAL DECISION MAKING AUTHORITY ON LOAN WITH THE LENDER (REALLY MORTGAGE SERVICER) WILLING TO MODIFY THE LOAN? IF NO, THEN DON'T WAIT TILL AUCTION FOR THE STARS TO ALIGN TOWARDS A LOAN MODIFICATION (IT WILL NEVER HAPPEN IF THE INVESTOR HAS CONTROL OF THE LOAN MOD PROCESS AND IS NOT WILLING TO BUDGE) -- GET A LAWYER AND OBTAIN LEGAL ADVICE. FURTHERMORE, I want to point out one more thing in my research, that when BAC/CW message on their answering system says that they are contacting qualified borrows for their home retention programs, they are probably sending the offers to people who actually have no problem with their mortgage but now qualify for these programs to reduce their mortgage also, even though it's designed to help those in hardship. It's good business to offer this to borrowers who don't need it (I would imagine) to reduce their risk of default after modification and obviously to show the feds that their loan modification rates of conversion look good. Finally, I am working through this with any options left for me (including selling and moving out as a last resort) and will continue to plug away to get a feasible resolution to keep the home. If anyone has any ideas on how I can talk reason into this process with success you've had in a similar situation, I would be open to any feedback. I am thinking about filing a complaint about this process to the state Attorney general and my Senators/Congress representatives, but not sure if that will be futile since there are no laws to force the bank to do a loan mod. I FULLY SUPPORT CRAM-DOWN LEGISLATION AS THE STICK TO ENFORCE BETTER QUALITY LOAN MODIFICATIONS TO HAPPEN. In any case, good luck to you after reading this report! Let me know how it works out for you. HELPFUL LINKS AND INFORMATION: Bank of America Home Retention phone: 1-800-669-0102 (press * for the foreclosure dept to speak to a representative that may pretend to want to help you). MUST READ ARTICLES - COPY AND PASTE LINKS IN YOUR BROWSER -- http://www.countrywidesettlementinfo.com/ http://my.countrywide.com/media/HRPFactSheet.html http://www.msnbc.msn.com/id/28645505/ http://www.legalnewsline.com/news/219555-countrywide-loan-modification-a-landmark-model http://www.loan-deals.com/2008/12/01/investor-sues-to-block-mortgage-modifications/ http://www.legalnewsline.com/news/216345-countrywide-clients-find-new-life-in-settlement http://www.ag.ca.gov/newsalerts/release.php?id=1618 http://www.atg.wa.gov/fileacomplaint.aspx http://www.atg.wa.gov/countrywide.aspx http://online.wsj.com/article/SB122325440046106461.html DISCLAIMER: THESE STATEMENTS ARE OPINIONS AND ARE FOR PUBLIC AWARENESS EDUCATION ONLY. THEY DO NOT CONSTITUTE ANY LEGAL, FINANCIAL, OR ANY PROFESSIONAL ADVICE. PLEASE CONSULT A LICENSE PROFESSIONAL TO OBTAIN INFORMATION ON YOUR PARTICULAR CASE.

FRUSTRATEDBANKCONSUMER

SEATTLE, Washington

U.S.A.

Click here to read other Rip Off Reports on Bank of America


71 Updates & Rebuttals

Karl

Highlands Ranch,
United States
PROTESTER SONG 165

#2Consumer Comment

Tue, May 30, 2023

Will be submitted in the comments section at Ripoff Report #879510 soon. Just type in 879510 at this site and that will take you there.

Thank You 

“When the power of love overcomes the love of power the world will know peace.” - Jimi Hendrix 

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
United States
PROTESTER SONG 164

#3Consumer Comment

Mon, May 29, 2023

KEEP ON EXPOSING 

Anyone can go to Bing and type in: REO ROLL WITH THE CHANGES WITH LYRICS YOUTUBE, and sing the following lyrics to that song from 1978, right?

Here we go...

1, 2, 3...

Whenever you are able, people keep on singing

To change the world which we can do together 

This song is on the web, yeah, people are dancin’

Coming here and getting information 

I know you’re tired of the same old B.S.

So, sing this song now

Please text Sue and then text Eddie

It’s time for some changes

Yeah, yeah, Whoo!

We gotta make it happen, our hearts are now burnin’

People now have lots of power

Let’s all make it happen, the tide is now turnin’ 

Text Brad and Lee it’s time for some People Power

I know you’re tired of the same old B.S.

So, sing this song now

Please text Bill and then text Betty

It’s time for some changes

Oh............................yeah...........Whoo!

So, I know you’re tired of the same old garbage 

Oh, honey sing some songs now

Please call John and then text Freddie

It’s time for some changes

People, time for some changes

Oh we know, we know, we know

We got to (Keep Exposing)

Oh, yeah (Keep Exposing)

Oh, keep on exposing

Keep exposing (Keep Exposing)

Oh, yeah (Keep Exposing)

Oh, now keep on exposing 

Oh, yeah (Keep Exposing)

Oh, yeah (Keep Exposing)

Oh we got to sing and got to keep on exposing 

Got to, got to, got to, got to keep exposing 

Need to keep on (Keep Exposing)

Oh, we need to learn to

Have to learn to, need to learn to shout

 

Keyboard solo then guitar solo...................

 

Keep Exposing! Keep Exposing! ooh ooh, ooh, ooh

Keep Exposing! Keep Exposing! ooh ooh, ooh, ooh

Keep Exposing! Keep Exposing! ooh ooh, ooh, ooh

Keep Exposing! Keep Exposing! ooh ooh, ahh!!!!!

 

End

 


Karl

Highlands Ranch,
United States
*****SPECIAL REPORT:

#4Consumer Comment

Sun, May 28, 2023

Is available at this site. Just type in 668678 and it appears in Consumer Comment #61 at Ripoff Report #668678.

Thank You

P.S. For those of you wondering why your lives are in chaos and why America is collapsing right in front of everyone’s eyes, simply go to Bing and type in: THE WARNING FRONTLINE, and watch that documentary on the web.

Towards the end of that documentary, Alan Greenspan can be seen testifying in front of Congress. He was asked a question and his answer was something like this: “I found a ‘flaw’ in the way that the world should work.”

He was correct. The ‘way that the world should work’ shouldn’t be based on fraud, greed, deception, manipulation, and the constant pursuit to financially injure the innocent people living here and all over the world. 

However, that is the ‘way’ the world works. It’s the way that the world has been working for thousands of years. And it will continue to be the ‘way’ that the world will work because the ones who are ultimately in control are able to make, millions, tens of millions, hundreds of millions, and even billions in profits every year.

WELCOME TO PLANET EARTH- ONE BIG LIE THAT IS BEING EXPOSED ALL OVER THE INTERNET EACH DAY IN POEMS, SONGS, UPDATES, CONSUMER COMMENTS, AND RIPOFF REPORTS THAT ARE TRUE AND SOME OF THEM ACTUALLY PREDICTED THE FUTURE OVER A YEAR BEFORE IT HAPPENED AND YOU CAN TYPE IN 271454 AT THIS SITE AND SCROLL DOWN TO CONSUMER COMMENT #1 AT RIPOFF REPORT #271454 AND READ THE THIRD PARAGRAPH FOR PROOF AND ALSO SEE THAT IT WAS POSTED ON SEPTEMBER 3, 2007 WHICH WAS A LITTLE OVER A YEAR BEFORE THE STOCK MARKET CRASH AND GLOBAL BANKING MELTDOWN OCCURRED 

Have a safe Memorial Day Weekend.


Karl

Highlands Ranch,
Colorado,
United States
PROTESTER SONG 164

#5Consumer Comment

Sat, May 27, 2023

Is in its early stages right now. The song will be submitted in the comments section at Ripoff Report #476868. In order to prepare for it, please feel free to go to Bing and type in the following and listen to them on the web:

COMFORTABLY NUMB- PINK FLOYD YOUTUBE

BEER BARREL POLKA- ANDRE RIEU YOUTUBE

Thank You


Karl

Highlands Ranch,
Colorado,
United States
PROTESTER SONG 133

#6Consumer Comment

Sat, May 27, 2023

Is only available at this site. Just type in 269041 and click on Ripoff Report #269041 and it appears in Consumer Comment #12.

Thank You

”In a gentle way, you can shake the world.” - Mahatma Gandhi 

“Almost everything you do will seem insignificant, but it is important that you do it.” - Mahatma Gandhi 

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
United States
PROTESTER SONG 162

#7Consumer Comment

Mon, May 22, 2023

Has been composed and will be submitted in the comments section at Ripoff Report #581744 soon.

PROTESTER SONG 161 was somehow posted in the comments section at Ripoff Report #1519492.

Thank You 


Karl

Highlands Ranch,
Colorado,
United States
PROTESTER SONG 161

#8Consumer Comment

Sun, May 21, 2023

Was submitted in the comments section at Ripoff Report #92641 on Sunday morning May 21, 2023.

Anyone can stay at this site and type in the following numbers to sing the most recent Protester Songs that appear in the comments section at the corresponding Ripoff Reports: 269041, 472051, 555030, 608272, 987602, 1491338, 1512122, 1519492

Thank You

*****PROTESTER SONG 162 will be submitted in the comments section at Ripoff Report #581744 in the next few days.


Karl

Highlands Ranch,
Colorado,
United States
PROTESTER SONG 158

#9Consumer Comment

Tue, May 16, 2023

CRIME

Anyone can go to Bing and type in: PINK FLOYD- TIME (2011) REMASTERED YOUTUBE, and sing the following lyrics to that song, right?

Intro...

Controlling our world, destroying the lives of the people

The bankers and goons control every nation, it’s true

Big-shots want War it keeps profits high there on Wall Street 

Text all your friends text aunt Betty and Ronny and Sue

 

Crime and fraud and deep corruption 

Right here in the USA

Now we’re mad and speaking-out

It looks like evil is their way

And now we sing these songs

So many things are wrong, yeah

Politicians do not care

Don’t think they’re unaware

 

Guitar......

 

Now we cry, and we cry at the Grocery Store every weekend

High prices for food and our money’s all gone once again

Our lives have been scammed, a deliberate way by the bankers

Someone text Seth, and someone text Maribeth

Every day we’re getting closer

To another massive War

Looks like it has all been planned

Big-shots always want much more

Singing on the web in contemplation

Is the only way

Our time has come, their rule is ending

We’ve got so much more to say

 

Fraud, fraud again

They like to screw you when they can

When the bell rings on Wall Street 

We know it’s time for fraud and greed and crime

 

Once again, another day

Destroying lives, it is their way

Politicians do not care

Our lives now broken USA sure smells.

End.

 

***The next Protester Song will be submitted in the comments section at Ripoff Report #1519492.

Thank You

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
United States
NUCLEAR NIGHT

#10Consumer Comment

Wed, December 14, 2022

Is the title to a song that is only available at this site. Just type in 502469 and it appears in Consumer Comment #58 at Ripoff Report #502469.

Anyone can go to Bing and type in: DOUGLAS REED- THE CONTROVERSY OF ZION- SITE BY KNUD ERIKSEN, and read the first two pages of Chapter 17 up to where the name “Jesus” is mentioned.

Thank You 

WELCOME TO PLANET EARTH- ONE MASSIVE LIE THAT IS ULTIMATELY BEING CONTROLLED BY EVIL AND GREEDY MEN WHO HAVE “DESTROYED” THE LIVES OF BILLIONS OF INNOCENT PEOPLE AND THEY WILL CONTINUE DESTROYING BECAUSE “DESTRUCTION” IS HOW THEY MAINTAIN CONTROL AND HOW THEY PROFIT FROM THE MASSES OF PEOPLE ALL OVER THE WORLD

Report Attachments

Karl

Highlands Ranch,
Colorado,
United States
FRUSTRATEDBANKCONSUMER,

#11Consumer Comment

Sat, January 08, 2022

Feel free to type in 1512122 at this site and read Ripoff Report #1512122 and ALL of the Updates for EXTREMELY IMPORTANT information NOW!!!

Happy New Year!


Karl

Highlands Ranch,
Colorado,
FRUSTRATEDBANKCONSUMER,

#12Consumer Comment

Sun, March 24, 2013

Please give us an update to your Ripoff Report when you have time. Thanks.


cletis80

Warren,
Pennsylvania,
United States of America
What the heck

#13Consumer Comment

Tue, February 12, 2013

I come on this site to see if there are complaints against companies, not to read political poems.


Karl

Highlands Ranch,
Colorado,
USA
FRUSTRATEDBANKCONSUMER,

#14Consumer Comment

Thu, February 07, 2013

You can also 'Google' this- DOUGLAS REED- THE CONTROVERSY OF ZION- INDEX- SITE BY KNUD ERIKSEN, and click on Chapter 15 of that book and then go to 'Page 97' in order to read the following quote-

QUOTE: "The Zionists have gained political control over Gentile governments...."

Make sure to read Chapter 15 in its entirety at least three or four times, very slowly, until you understand it completely. Then click on Chapter 17, entitled "The Destructive Mission" and read the first two pages.

Have a great day!

P.S. Here are three more videos that you can 'Google' and watch on the web for important information-

1) RON PAUL'S BROTHER ON FEDERAL RESERVE SYSTEM
2) LEGALIZED PLUNDER OF THE AMERICAN PEOPLE- G EDWARD GRIFFIN
3) FRONTLINE: MONEY, POWER AND WALL STREET


Karl

Highlands Ranch,
Colorado,
USA
FRUSTRATEDBANKCONSUMER,

#15Consumer Comment

Fri, September 14, 2012

If you stay at this site and type in- SQUIDMAN NEEDS TOUPEE, it will take you to this Ripoff Report.

Have a nice weekend.


Karl

Highlands Ranch,
Colorado,
USA
FRUSTRATEDBANKCONSUMER,

#16Consumer Comment

Fri, August 24, 2012

Did you happen to 'Google' this- MINN. REP KERRY GAUTHIER CAUGHT WITH ZIPPER DOWN LITERALLY ADMITS TO HAVING 'NO STRINGS ATTACHED' SEX WITH 17-YEAR OLD BOY AT REST STOP, and read the related articles on the web?

Mr. Gauthier is a legislator. He's a politician in Minnesota. I believe that legislators are the ones who write and pass 'Laws' in our country.

Have a nice weekend.

***NATIONWIDE ALERT: Make sure to stay at this site and type in the following and read the Ripoff Reports for important information and spread them all over the web at sites like Twitter and Facebook-

POLITICIAN

BLOCKS COMMENTS

STOP RUNNING


Karl

Highlands Ranch,
Colorado,
USA
WASHING POTS POEM

#17Consumer Comment

Thu, May 03, 2012

WASHING POTS POEM

Washing pots
Scrubbing pans
It's getting hot
Turn on the fans
Making money
Must repent
Washing pots
Pays twelve cent
End of poem
Song comes soon
Washing pots
Singing tunes?

End.

Anyone can 'Google' this- FORMER ILLINOIS GOV. ROD BLAGOJEVICH WASHING POTS, and read the related articles on the web.

Feel free to read 'Consumer Comment #27' at this Ripoff Report for important information.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET, THE U.S. MILITARY, MUCH OF THE LEGAL SYSTEM, THE MAINSTREAM MEDIA, THE PRICE OF OIL, AND MOST IMPORTANTLY; THE MINDS OF ALMOST EVERYONE LIVING IN THIS COUNTRY


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 87

#18Consumer Comment

Sun, April 22, 2012

BANKER FAMILY
(Please sing to the tune of "Addams Family")

Anyone can 'Google' this- FREE MIDI TV RADIO THEMES MIDI FILES, and click on 'Addams Family' and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3, 4....

The banker goons are greedy
They prey upon the needy
Tell Donald Duck and Tweety
The bankers are in charge
Our politicians serve 'em
Tell Billy, Bob, and text Jim
They work for thing that can swim
Half man and he's half squid.

Tell all your friends on Twitter
Be happy, never bitter
Don't ever be a quitter
Expose the banker goons.

End.

Anyone can 'Google' the following and read the related articles and watch the videos on the web-

1) I'M DOING GOD'S WORK

2) VETERANS TODAY GOLDMAN SACHS EMAILS: FIRM HAD 'THE BIG SHORT' AS ECONOMY FELL

3) TOP CONTRIBUTORS TO BARACK OBAMA OPEN SECRETS

4) TOP CONTRIBUTORS TO MITT ROMNEY OPEN SECRETS

5) THERE IS NO GAS SHORTAGE

6) DID SPECULATION FUEL OIL PRICE SWINGS

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL


Karl

Highlands Ranch,
Colorado,
USA
SECRET SERVICE POEM 5

#19Consumer Comment

Thu, April 19, 2012

SECRET SERVICE POEM 5

Secret Service
Plans to sue
Hooker angry
Boo h*o h*o
Wanted money
Began to shout
Secret Service
Kicked her out
End of poem
More to come
Secret Service 
Must be dumb.

End.

Anyone can 'Google' this- SOURCE: OUSTED SECRET SERVICE AGENT PLANS TO SUE, and read the related articles and watch the videos on the web. Here is a quote from one of the articles-

QUOTE: "In the morning, she tries to collect the money and says he must pay her $800, and he says, apparently, 'No way.' And they argue, he gets angry, calls her a name, and kicks her out."

Thank You

WELCOME TO AMERICA- ONE BIG LIE


Karl

Highlands Ranch,
Colorado,
USA
MORE THAN 10 POEM

#20Consumer Comment

Tue, April 17, 2012

MORE THAN 10 POEM

More than 10
Please tell Noot
Great big scandal
PROSTITUTE
More than 10
Please text Harry
It's diseased
MILITARY
End of poem
Song comes soon
Every leader
Big buffoon!

End.

Anyone can 'Google' this- 'MORE THAN 10' PENTAGON SAYS PROSTITUTE SCANDAL COULD BE BIGGER THAN FIRST THOUGHT, and read the related articles on the web.

Feel free to 'Google' this- PENTAGON DECLINED TO INVESTIGATE CHILD-PORN PURCHASES BY EMPLOYEES, and read the articles on the web.

Thank You

WELCOME TO AMERICA- THE AGENCY THAT DECLINED TO INVESTIGATE CHILD-PORN PURCHASES BY SOME OF ITS EMPLOYEES WILL MOST LIKELY BE HANDLING THE RECENT SEX SCANDAL BY SOME OF ITS MILITARY MEMBERS, SO WE CAN LOGICALLY CONCLUDE THAT NOT MUCH WILL HAPPEN TO ANYONE BECAUSE THE CORRUPT AND DISEASED SYSTEM THAT WE HAVE HERE IN THE USA IS MAKING THE BANKERS, WALL STREET EXECUTIVES, AND POLITICIANS FABULOUSLY WEALTHY


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 85

#21Consumer Comment

Sat, April 14, 2012

THEY WILL SPECULATE
(Please sing to the tune of "I Just Wanna Stop")

Anyone can 'Google' this- MIDI MUSIC COLLECTION I JUST WANNA STOP (KARAOKE), and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3, 4....

Speculate!
Speculate!

When the bankers speculate the oil, my friends
It hurts good people all around the world ('round the world)
Mobsters speculate to keep their banks afloat
Oh, Wall Street is a lie
Making many people cry
They will speculate
And raise the price of oil around the world
They will speculate
They're hurting every boy and all the girls
They will speculate
All that oil.

Politicians serve the banker goons, my friends
Our system is corrupt and so diseased (so diseased)
Britt Ro'bombnee-a will lie to all the folks
He serves these banker goons
Eighty-five protester tunes
System is corrupt
Our system is corrupt and so diseased
Doesn't work for you
It doesn't work for you and not for me
System is corrupt
Yes it is!

(Saxophone)

He serves these banker goons
Time to sing protester tunes
System is corrupt
Our system doesn't work for you and me
Gasoline is high
It's hurting all the people, yes siree
System is corrupt
Yes it is!
Corrupt
Yes it is!
System is diseased
Yes it is!
System is corrupt
They're speculating oil around the world
System is corrupt
They're hurting every boy and every girl
System is diseased
They're speculating oil around the world
System is corrupt
It's hurting all the boys and every girl
System is corrupt
Yes it is!

End.

Anyone can 'Google' the following two videos and watch them on the web-

1) DID SPECULATION FUEL OIL PRICE SWINGS

2) EX-SALT LAKE MAYOR ROCKY ANDERSON FORMER DEMOCRACY NOW

Here is a quote from the second video-

QUOTE: "We launched the Justice Party because the entire system is so corrupt. It's so diseased. We know that the public interest is not being served by anyone in the system right now, particularly the two dominant parties who have sustained this corrupt system and who are sustained by it." - Rocky Anderson


Karl

Highlands Ranch,
Colorado,
USA
BRITT RO'BOMBNEE-A POEM

#22Consumer Comment

Wed, April 11, 2012

BRITT RO'BOMBNEE-A POEM

There once as a hybrid
I'm not sure if you know him
That's why I sat down
To write Britt Ro'bombnee-a poem
He served all the bankers
And the mean Wall Street gang
He bowed down to the Squidman
Who had blood on his fang
Time to end this short poem
Our whole system's a lie
Don't believe Britt Ro'bombnee-a
He will lie, lie, lie, lie!

End.

Anyone can 'Google' the following and read the related articles on the web-

1) TOP CONTRIBUTORS TO BARACK OBAMA OPEN SECRETS

2) TOP CONTRIBUTORS TO MITT ROMNEY OPEN SECRETS

3) VETERANS TODAY GOLDMAN SACHS EMAILS: FIRM HAD 'THE BIG SHORT' AS ECONOMY FELL

(There may be a picture of a Squidman with blood on his left fang at the third article. Just click on the photo and it will enlarge.)

Feel free to 'Google' this- HYBRID DEFINITION, and read the definitions. Here is one definition-
'Hybrid' (definition) - A thing made by combining two different elements; a mixture.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL


Karl

Highlands Ranch,
Colorado,
USA
SQUIDMAN NEEDS TOUPEE......

#23Consumer Comment

Tue, April 03, 2012

is the title to PROTESTER SONG 76.

The song is available in the consumer comments section at this Ripoff Report.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL, AND THEY ARE BEING EXPOSED ON THE WORLDWIDE WEB EVERY DAY


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 76

#24Consumer Comment

Sun, April 01, 2012

SQUIDMAN NEEDS TOUPEE
(Please sing to the tune of "Turkey In The Straw")

Anyone can 'Google' this- TURKEY IN THE STRAW SMART CENTRAL, and click on 'Midi: Turkey in the Straw' and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3...

They were scamming all the people 
In a place called USA
They're the Wall Street bankers
Squidman needs toupee

There was Goldmin, Morgin StanLee,
JayPee Morgin Chase and Wells
All their leaders are mobsters
They are greedy, each one smells

They screwed our country
Nobody cares
Leaders are liars
All give blank stares

We are mad
We're speaking out
Singing songs on the internet
I think it's time we shout!

(Repeat)

Anyone can 'Google' the following videos and watch them on the web for PROOF that a cartel of corrupt, greedy, and inept bankers control the U.S. Government, Wall Street, and even the price of oil-

1) FRONTLINE: INSIDE THE MELTDOWN

2) FULL SHOW: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY

3) AMERICA: FREEDOM TO FASCISM

4) FRONTLINE: THE WARNING

5) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO

6) INDYMAC BOYS GET SWEETHEART DEAL

7) YOUTUBE FALL OF THE REPUBLIC

8) EX-SALT LAKE MAYOR ROCKY ANDERSON FORMER DEMOCRACY NOW

9) DID SPECULATION FUEL OIL PRICE SWINGS

Thank You

***SQUIDMAN ALERT: Feel free to 'Google' this- VETERANS TODAY GOLDMAN SACHS EMAILS: FIRM HAD 'THE BIG SHORT' AS ECONOMY FELL, and read that article on the web. (There might be a picture of a squidman at that article.)


 


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 76.....

#25Consumer Comment

Sun, April 01, 2012

will be submitted in the consumer comments section at this Ripoff Report.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL, AND THEY ARE BEING EXPOSED ON THE WORLDWIDE WEB EVERY DAY


Karl

Highlands Ranch,
Colorado,
USA
CLINTON GOT A B**W JOB POEM....

#26Consumer Comment

Sat, March 31, 2012

is available in the consumer comments section at this Ripoff Report.

Thank You

***DISEASE ALERT: Make sure to type in the following at this site and read the Ripoff Reports and consumer comments for important information if you live in the United States of America-

860666
608272
472051
833276
826881
797370
813510
646259
411913
481508
2416
1065


Karl

Highlands Ranch,
Colorado,
USA
PAWN SONG

#27Consumer Comment

Thu, March 08, 2012

PAWNING HIS TORAH
(Please sing to the tune of "Killing Me Softly")

Anyone can 'Google' this- MIDI MUSIC COLLECTION KILLING ME SOFTLY 1 (KARAOKE), and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3, 4....

He needed money badly
His Bentley would not start
He owed a lot of people
They took away golf cart
He walked down to the Pawn Shop
Was not feeling so smart
Pawning his Torah for money
Needing some cash right away
Pawning his Torah for money
Pawning his Torah, for money
Then he went to bar, met honey
Pawning his Torah
For some cash.

(Keep Repeating)

Anyone can 'Google' this- PAWNING TORAHS AND DIAMONDS FOR LOANS, and watch that video on the web.

Thank You

POWER TO THE PEOPLE






Karl

Highlands Ranch,
Colorado,
USA
NET&YAHOOO POEM

#28Consumer Comment

Tue, March 06, 2012

NET&YAHOOO POEM

There once was a goofball
I'm not sure if you know him
That's why I sat down
To write Net&yahooo poem
He was a believer in War
War never brings Peace
Tell your mommy and daddy
Text your cousin and niece
Time to end this short poem
Goofballs don't have a clue
They all work for the bankers
Just like Net&yahooo

End.

Anyone can 'Google' this- NETANYAHU WANTS ANOTHER US WAR FOR ISRAEL, and read the related articles that became available on March 6, 2012.

Feel free to 'Google' this- DOUGLAS REED- THE CONTROVERSY OF ZION- INDEX- SITE BY KNUD ERIKSEN, and click on Chapter 17, entitled 'The Destructive Mission' and read the first two or three pages on the web.
Then click on Chapter 15, entitled 'The Talmud And The Ghettoes' and read that chapter in its entirety, at least three or four times, until you understand it completely.

Thank You

"Knowledge is power"

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 56

#29Consumer Comment

Fri, February 17, 2012

ROMNEE'S A CLOWN
(Please sing to the tune of "Blow The Man Down")

Anyone can 'Google' this- BLOW THE MAN DOWN MIDI, and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3, 4....

Bank goons run our country
So many folks frown
Oh yes, Romnee's a clown
Ging'Rich' is goofy
Throw him out of town
Banker goons make the good people frown.

O'Bomb-a's no better
Poll ratings are down
Throw all three out of town
Please sing this song so loud
Then spread it around
Expose all the goofballs, they will go down!

Squid-man is their hero
His stock will go down
Throw all four out of town
Oil prices are higher
We must all resound
Come to this site
Songs here to be found.

Ground beef is expensive
Four dollars a pound
Please make prices go down
Clinton was happy
He smiled then he frowned
Blue dress looks like an old woman's gown.

This song is now ending
Please laugh do not frown
Have fun out on the town
No drinking and driving
You may just be found
Cops might get you and throw you to ground
Cops might catch you and throw you to ground?

End.

***ALERT: Please feel free to type in 819780 at this site and read Ripoff Report #819780 for important information.

Thank You










Karl

Highlands Ranch,
Colorado,
USA
CLINTON GOT A BLOW JOB POEM

#30Consumer Comment

Tue, February 07, 2012

CLINTON GOT A BLOW JOB POEM

Clinton got a blow job
Some stains went on her dress
Our leaders are all liars
That's why we're in this mess
Clinton got a blow job
I think that most forgot
It happened in the White House
All leaders can be bought
It's time to end this poem
A song is next, I guess
Clinton got a blow job
It stained her nice blue dress.

End.

Anyone can 'Google' this- CLINTON GOT A BLOW JOB, and watch the related videos and read the articles on the web.

Feel free to 'Google' this- FULL SHOW: HOW BIG BANKS ARE REWRITING THE RULES OF OUR ECONOMY, and watch that video on the web.

Bill Clinton can be seen in that video signing legislation to eliminate the Glass-Steagall Act in 1999, which eventually led to the meltdown of the banking system and the collapse of our economy in September of 2008. It's too bad that Bill Clinton wasn't looking out for the American people when he and others were being warned by a very smart woman.

Anyone can 'Google' this- FRONTLINE: THE WARNING, and watch it on the web for proof that Bill Clinton and others, like Alan Greenspan, Robert Rubin, and Larry Summers, were being 'warned' about the dangers in our economy and on Wall Street. 

Thank You

WELCOME TO THE WHITE HOUSE- WE ARE REALLY WORKING FOR A CARTEL OF BANKERS WHO ALSO CONTROL WALL STREET AND WE CAN DO WHATEVER WE WANT, AND IF THE AMERICAN PEOPLE DON'T LIKE IT, THEY'LL BE PEPPER-SPRAYED AND ARRESTED FOR SPEAKING OUT AGAINST ALL OF THE FRAUD & CORRUPTION THAT EXISTS IN THIS COUNTRY



Karl

Highlands Ranch,
Colorado,
USA
STAINED BLUE DRESS SONG.....

#31Consumer Comment

Sun, January 29, 2012

is available in the consumer comments section at this Ripoff Report.

Thank You

***STAIN ALERT: Feel free to type in 2416 at this site and read Ripoff Report #2416 and all of the consumer comments for important information.


Karl

Highlands Ranch,
Colorado,
USA
I'M ALSO UNEMPLOYED POEM....

#32Consumer Comment

Tue, January 24, 2012

is available in the consumer comments section at this Ripoff Report.

Anyone can 'Google' this- ROMNEY MADE $42.7 MILLION IN 2 YEARS, and read the related articles on the web.

Don't forget to 'Google' this- I'M ALSO UNEMPLOYED, and read the related articles and watch the videos on the web.

Thank You

WELCOME TO AMERICA- THE WEALTHIEST PEOPLE IN THIS COUNTRY PAY VERY LITTLE IN TAXES COMPARED TO THE AVERAGE PERSON BECAUSE OUR SYSTEM IS CORRUPT, AND IT PROTECTS THE GREEDY AND CORRUPT PEOPLE WHO CONTROL THE CORRUPT COUNTRY KNOWN AS THE UNITED STATES OF AMERICA


Karl

Highlands Ranch,
Colorado,
USA
GOONS HAVE DESTROYED OUR COUNTRY.......

#33Consumer Comment

Fri, January 20, 2012

is the title to a song that is available in the consumer comments section at this Ripoff Report. It appears in 'Consumer Comment #36'.

Anyone can 'Google' this- SIMON AND GARFUNKEL MIDIS, and click on 'Bridge Over Troubled Water [2]', and sing the lyrics to that tune.

Feel free to 'Google' this- DOUGLAS REED- THE CONTROVERSY OF ZION- INDEX- SITE BY KNUD ERIKSEN, and click on Chapter 17, entitled 'The Destructive Mission' and read the first two or three pages.
Then click on Chapter 15, entitled 'The Talmud And The Ghettoes' and read that chapter in its entirety to understand what is going on, and what has been going on in the world for the past 3,000+ years.

Thank You

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
MIT RO'MONEY' POEM

#34Consumer Comment

Thu, January 19, 2012

MIT RO'MONEY' POEM

He's worth millions
Text your honey
He loves Wall Street
Mit Ro'Money'
Has a nice house
Near the beach
Teeth are so white
Must use bleach
End of poem
It's so sunny
Wall Street's happy
With Ro'Money'.

End.

Anyone can 'Google' this- GOP CRIBS: WHERE THE CANDIDATES LIVE, and see pictures of the six homes where the GOP candidates live.

Feel free to 'Google' this- MITT ROMNEY TAX EVASION AN ABC NEWS INVESTIGATION, and watch the related videos and read the articles on the web.

Thank You

WELCOME TO AMERICA- THE FEDERAL RESERVE ULTIMATELY CONTROLS OUR GOVERNMENT, MILITARY, WALL STREET, MAINSTREAM MEDIA, MUCH OF THE LEGAL SYSTEM, AND MOST IMPORTANTLY; THE MINDS OF ALMOST EVERYONE LIVING IN THE USA 


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 36

#35Consumer Comment

Wed, January 04, 2012

ENERGY AND OIL
(Please sing to the tune of "Strangers In The Night")

Anyone can 'Google' this- ROBERT'S MIDI JUKEBOX, and click on 'Frank Sinatra- Strangers In The Night' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3, 4....

Energy and oil
Manipulation
Hurt each boy and girl
In every nation
Energy and oil
Is where the goons all go.

Raise the price of crude
And heating oil
Food prices will rise
Tensions will boil
Bankers are the ones
Who have destroyed our world.

When will people learn
When will they wake-up
This whole country is a lie
One giant shake-up is what needs to happen now
Time to cry out foul
Banker goons and mobsters control NASDAQ and the Dow
It's time to sing out and protest
We all can do it
Make the goons confess
Flush down the toilet
Change the world today
People control the web.

(Keep Singing)

Anyone can 'Google' this- ENERGY & OIL PRICES, and go to the related sites each day to see the price of oil and energy.

Feel free to 'Google' this- DID SPECULATION FUEL OIL PRICE SWINGS, and watch that 60 Minutes segment on the web.

Thank You

"Knowledge is power."

POWER TO THE PEOPLE




Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 35

#36Consumer Comment

Sat, December 31, 2011

TELL ALL THE PEOPLE
(Please sing to the tune of "Fly Like An Eagle")

Anyone can 'Google' this- FREE MIDI ROCK MIDI FILES, and scroll down to 'Steve Miller Band' and click on 'Fly Like An Eagle' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3, 4....

Tell all the people, people, people
Get on the web now
Tell everybody, buddy, buddy
Take to the streets now
We're gonna occupy all streets, every day
Turn on our iPhones we'll know everything they say
We're gonna change every country
Till we're glad
Text Greg and Marcia tell your mommy and your dad.

Tell O'Bomb-a, he's a goofball with no brain
Tell Beer-nanky, too many people are in pain
Tell the Russians, Mr. Pooten's got no shirt
Let's spread the message all over.

We're gonna occupy all streets, every day
Turn on our iPads we'll know everything they say
We're gonna change this whole world
Till we're glad
Tell Jed and Granny text your momma and your dad.

Tell all the people, people, people
Get on the web now
Tell everybody, buddy, buddy
Take to the streets now
Tell all the people, people, people
Get on the web now
Tell all the people, people, people
Take to the streets now
Let's go do it
Let's go do it
Let's go do it
Let's go do it
Let's go do it
Let's go do it
Let's go do it
Let's go do it

We're gonna occupy all streets, every day
Turn on our iPhones we'll know everything they say
We're gonna change this whole world
Till we're glad
End all the lies and greed and fraud that we have had.

We can do it
We can do it
We can do it
We will do it

Tell all the people, people, people
Get on the web now
Tell all the people, people, people
Get on the web now.....

End.

Happy New Year!

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 34

#37Consumer Comment

Fri, December 30, 2011

GOONS HAVE DESTROYED OUR COUNTRY
(Please sing to the tune of "Bridge Over Troubled Water")

Anyone can 'Google' this- FREE MIDI FILES FROM MIDI MOLE, and click on the letter 'B' and scroll down to the song 'Bridge Over Troubled Water' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3...

USA's a lie
We all know
Controlled by Wall Street gang
And the banker goons.

They make us cry
Oh, they make it so tough
Now jobs cannot be found
Mobster goons have destroyed our country
Occupy each town
Mobster goons have destroyed our country
Occupy each town.

This whole world's a lie
We all know
Controlled by greedy men
They're the banker goons.

Destroying lives
Oh, they make it so tough
Now people cry each night
Greedy men have destroyed all countries
Occupy each town
Greedy men have destroyed all countries
Occupy each town.

On the web, my friends
Time to shout
Expose all fraud and crime
Please just let it all come out.

This is our time
Oh, don't be scared, my friends
It's Revolution time
People Power must keep on growing
Occupy each town
People Power will keep getting stronger
Occupy each town...
Let's do it!

End.

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
TWITT ROMNEE SONG....

#38Consumer Comment

Wed, December 28, 2011

is available at this website.

Just type in 813510 at this site and it appears in the consumer comments section at Ripoff Report #813510.

Thank You

HAPPY NEW YEAR!


Karl

Highlands Ranch,
Colorado,
USA
BROCKOMIAN RHAPSODY........

#39Consumer Comment

Wed, December 21, 2011

is a song that is available at this website.

It is to the tune of 'Bohemian Rhapsody', by the British rock band Queen.

Anyone can type in 555030 at this site and go to 'Consumer Comment #12' at Ripoff Report #555030 and sing "BROCKOMIAN RHAPSODY".

Thank You

HAPPY HOLIDAYS!


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 26

#40Consumer Comment

Mon, December 19, 2011

OCCUPY
(Please sing to the tune of the TV Theme song "Welcome Back")

Anyone can 'Google' this- MIDKAR BROADWAY HOLLYWOOD AND TV THEMES MIDI FILES, and click on 'W-Z' and then click on 'Welcome Back (Kotter)' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3...

Occupy!
The whole world is so messed up
Occupy!
Every leader in the world is a big buffoon
They all work for the bankers and mobster goons
Wall Street must be shut down, keep on singing tunes
One big REVOLUTION
It's our contribution
Just expose 'em a lot till the mobster-gang is caught
Occupy!
Occupy, occupy, occupy
Occupy, occupy....

(Keep Repeating)

Anyone can 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch that video on the web to learn more about who really controls the U.S. government and Wall Street.

Feel free to type in 269041 at this site and go to 'Consumer Comment #3' at Ripoff Report #269041, entitled "Blame it on a Lawyer", and read the following quote that starts paragraph four-

"A Harvard Business Professor said that EXPOSURE is a corporation's WORST FEAR!" - August 21, 2007.

Thank You

"Knowledge is power."

POWER TO THE PEOPLE




Karl

Highlands Ranch,
Colorado,
USA
NOOT GETTIN'RICH POEM

#41Consumer Comment

Sat, December 17, 2011

NOOT GETTIN'RICH POEM

His name is Noot
That's what I said
He'll work for Wall Street
And of course, the Fed
He's like O'Bomb-a
The man is rich
Wants to be your President
He's gettin' the itch
This poem is over
Be prepared for a tune
Everybody but Paul
Is a big buffoon!

End.

Anyone can 'Google' this- BUFFOON DEFINITION, and read the definitions at the related sites. Here is one definition-

'buffoon' (definition) - 'A ridiculous but amusing person; a clown.'

Thank You

WELCOME TO AMERICA- EVERYONE RUNNING FOR PRESIDENT IN THE REPUBLICAN PARTY IS A BIG BUFFOON AND THEY'LL SERVE WALL STREET AND THE FEDERAL RESERVE JUST LIKE OUR LAST THREE PRESIDENTS, EXCEPT RON PAUL


Karl

Highlands Ranch,
Colorado,
USA
POOTEN ON A RITZ SONG...

#42Consumer Comment

Thu, December 15, 2011

was submitted at this website on December 15, 2011.

Just type in 586186 at this site to see if it is available in the consumer comments section at Ripoff Report #586186.

Thank You

HAPPY HOLIDAYS!


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 20

#43Consumer Comment

Mon, December 12, 2011

TIME THAT WE ALL OCCUPY
(Please sing to the tune of "Back in the U.S.S.R.")

Anyone can 'Google' this- FREE MIDI THE BEATLES MIDI FILES, and click on 'Back in the U.S.S.R' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3, 4....

Lots of people in the streets of USA
Occupying 'cause they're mad
Goofballs and the banker goons destroyed our world
Revolution ain't no fad
It's time that we all occupy
Just go out and do it, don't cry girls
Time that we all occupy!

Folks in Russia and Mid East are really pissed
Goofballs have destroyed their world
Spread the word on Facebook and on Twitter too
Tell all boys and every girl
It's time that we all occupy
Just go out and do it, no lie boys
Time that we all OCC...
Time that we all OCC...
Time that we all OCCUPY!

The Central bankers are a joke
Believe in fraud and crime
The worldwide web now has tripped them up
'Cause people are exposing them it's one big Revolution time!

(Music)

It's time that we all occupy
Just go out and do it, don't cry girls
Time that we all occupy!

It's time that we all occupy
And change the world today
The Fed is one big massive fraud
Now go get some hot pizza pie for every occupier today
Today!

Every person in the world is really mad
Revolution is now here
Mobsters and the goofballs have destroyed our world
Big collapse is oh so near
It's time that we all occupy
Just go out and do it, don't cry girls
Time that we all occupy!

End.

Anyone can 'Google' this- RUSSIANS PROTEST ELECTION RESULTS, DENOUNCE PUTIN, and read the related articles on the web.

Don't forget to 'Google' this- DOUGLAS REED- THE CONTROVERSY OF ZION- INDEX- SITE BY KNUD ERIKSEN, and click on Chapter 15, entitled 'The Talmud And The Ghettoes' and read the first sentence in order to understand what is currently taking place all over the world. (Make sure to read the entire chapter at least three or four times, very slowly, until you understand it completely.)

Then click on Chapter 17, entitled 'The Destructive Mission' and read the first two or three pages to reinforce what is, and has been, taking place all over the world for the last 2,000+ years.

Thank You

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
RON PAUL POEM

#44Consumer Comment

Sun, December 11, 2011

RON PAUL POEM

There is a great man
His name is Ron Paul
Please tell everyone this
He's the best of 'em all
Tell Cindy and Peter
Text Granny and Jed
He knows what to do
Get rid of the FED
This poem is over
A new day might come
Cast your vote for Ron Paul
Make the mobsters go numb!

End.

Anyone can 'Google' this- END THE FED, and read more about Ron Paul's book.

Don't forget to 'Google' this- WHO OWNS THE FED?, and go to the related sites to learn more about the people and companies that make up the Federal Reserve.

Finally, make sure to type in 529757 at this site and go to 'Consumer Comment #1' at Ripoff Report #529757 and read the two page letter. That letter, along with many others, was mailed to the mainstream media in New York in 2007. That particular letter was mailed one full year BEFORE the collapse of the banking system and the stock market crash.

*The addresses to where copies of that two page hand-written letter were mailed are also available at this site. Just type in 271771 and go to 'Consumer Comment #1' at Ripoff Report #271771 to see them.

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT, MILITARY, WALL STREET, MAINSTREAM MEDIA, & MUCH OF THE LEGAL SYSTEM ARE ULTIMATELY BEING CONTROLLED BY THE FEDERAL RESERVE, BUT NO ONE IS SUPPOSED TO KNOW BECAUSE IT COULD CREATE A MOVEMENT IN THIS COUNTRY THAT MIGHT PUT AN END TO ALL OF THE MADNESS ONCE AND FOR ALL


Karl

Highlands Ranch,
Colorado,
USA
VLADAMEER POOTEN POEM

#45Consumer Comment

Sat, December 10, 2011

VLADAMEER POOTEN POEM

Something's stinky
Who's been tootin'
Another goofball
Vladameer Pooten
Where's my hanky
I gotta sneeze
Vladameer Pooten
Cut the cheese
End of poem
Callin' it quits
Everyone look
Pooten on the Ritz!

End.

Anyone can 'Google' this- IMAGES FOR PUTIN ON THE RITZ, and go to the related sites and see all of the images.

Feel free to 'Google' this- EXXON REACHES ARCTIC OIL DEAL WITH RUSSIANS, and read the related articles on the web.

Finally, make sure to 'Google' this- WHO OWNS THE FED?, and go to the site with the 5 charts to see that Exxon Corporation is listed in 'Chart 3'.

Thank You

WELCOME TO RUSSIA- OUR GOVERNMENT IS ALSO BEING CONTROLLED BY THE SAME FOLKS WHO CONTROL THE U.S. GOVERNMENT


Karl

Highlands Ranch,
Colorado,
USA
SCRUBBING TOILETS POEM

#46Consumer Comment

Sat, December 10, 2011

SCRUBBING TOILETS POEM

Scrubbing toilets
Mopping floors
POLITISHIN
Has his chores
Making money
Must repent
Scrubbing toilet
Pays twelve cent
Poem's over
Time to scrub
Dirty toilet
Messy tub.

End.

Anyone can 'Google' this- BLAGOJEVICH HANDED 14-YEAR JAIL TERM AS JUDGE IGNORES PLEAS FOR, and read the article at theguardian website.

Here is part of the last sentence from the article: "Blagojevich will have to share a cell with other inmates and he must work an eight-hour-a-day menial job - possibly scrubbing toilets or mopping floors - at just 12 cents an hour."

Thank You

WELCOME TO FEDERAL PRISON- YOU WILL HAVE A FULL TIME JOB MAKING A GUARANTEED INCOME OF 12 CENTS PER HOUR AND THE TOILETS BETTER BE KEPT CLEAN 


Karl

Highlands Ranch,
Colorado,
USA
PROTESTER SONG 6

#47Consumer Comment

Sun, November 27, 2011

IT'S TIME TO OCCUPY

(Please sing to the tune of "I Want To Hold Your Hand")

Anyone can 'Google' this- FREE MIDI THE BEATLES MIDI FILES, and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3...

Everybody,
Let me tell you
It's time to occupy
Oh people,
Let them see you
It's time to occupy
It's time to occupy
It's time we occupy! 

Oh India,
And yes, China
It's time to occupy
Oh Africa, Indonesia
You gotta occupy
We all must occupy
It's time to occupy!

And to the people in the Mid East,
Russia too
Your leaders smell like all the rest
Stinky poo! Stinky poo! Stinky poo!

Everybody,
Join together
We must all occupy
Stop listening
To the goofballs
You gotta occupy
It's time to occupy
It's time we occupy!

And to the people there in England,
And in Spain
Your leaders lie like all the rest
Got no brains! Got no brains! Got no brains!

More songs
Will be coming
It's time to spread the word
Most leaders
Serve the mobsters
They smell like stinky turds
It's time to occupy
It's time we occupy
We must all occupy!

End.

Anyone can 'Google' this- DOUGLAS REED- THE CONTROVERSY OF ZION- INDEX- SITE BY KNUD ERIKSEN, and click on Chapter 15, entitled 'The Talmud And The Ghettoes', and read the first sentence to see what is currently taking place throughout the world. (Make sure to read the entire Chapter at least three or four times, very slowly, until you understand it.)

Then 'Google' this- THE ASCENT OF MONEY PBS, and watch the episode entitled 'Bonds of War' on the web to understand that what happened about three hundred years ago is simply being repeated.

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
*****MOB ALERT:

#48Consumer Comment

Wed, October 26, 2011

Make sure to stay at this website and type in- US GOVERNMENT, and go to Ripoff Report #472051 to see if "MOB SONG 13" is available in the consumer comments section.

Thank You

WELCOME TO THE U.S. GOVERNMENT- WE'RE BEING CONTROLLED BY THE FEDERAL RESERVE AND MOST OF THE POLITICIANS IN THE USA ARE REALLY WORKING FOR THE FED, BECAUSE MILLIONS OF AMERICANS NOW UNDERSTAND THAT OUR POLITICIANS ARE A BUNCH OF GREEDY BUFFOONS, ALSO KNOWN AS GOOFBALLS


Karl

Highlands Ranch,
Colorado,
USA
MOB POEM

#49Consumer Comment

Mon, October 10, 2011

MOB POEM

Contact Suzy
Then text Bob
If you protest
You're a mob?
Wall Street's greedy
People sob
When you protest
You're a mob?
Poem's over
Have no job
Peaceful protest
Is a mob?

End.

Anyone can 'Google' this- CANTOR SEES A MOB, and read the related articles on the web.

'Mob' (definition) - 'A large crowd of people, especially one that is disorderly and intent on causing trouble or violence.'

***Since the U.S. government and Wall Street are being controlled by a cartel of bankers who obviously control the U.S. military, we can logically conclude that they are a 'mob', right?

The cartel of bankers who control the U.S. government and Wall Street have their military in Afghanistan causing 'trouble' and 'violence', correct? They also had, and still have, their military in Iraq causing 'trouble' and 'violence', right?

Quote: "It's what you deny most in yourself that you project onto others." - Anonymous

Thank You

WELCOME TO AMERICA- ONE BIG LIE


Karl

Highlands Ranch,
Colorado,
USA
STAINED BLUE DRESS SONG

#50Consumer Comment

Mon, October 03, 2011

STAINED BLUE DRESS
(Please sing to the tune of- "Hard Day's Night")

Anyone can 'Google' this- FREE MIDI THE BEATLES MIDI FILES, and click on 'Hard Day's Night' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3...

She wore a stained blue dress
That dress was bigger than a tent
She wore a stained blue dress
Please contact Bertha then text Trent
Tough stains are hard to get out
It's time to spray it with Shout
And hope that people will forget.

He had a real hard day
She came to offer him relief
Then she noticed that her dress was stained
That crunchy stain still gives 'em grief
But many people don't care
It was a simple affair
He was Commander in Chief?

Stained blue dress,
Poems and songs now appear
Stained blue dress,
Halloween time is so near, near, yeah!

She wore a stained blue dress
That dress is famous, on the web
She wore a stained blue dress
Go call aunt Betty then text Deb
That stain is there on her dress
And now our country's a mess
Recession time is drawing near.

(Keep Singing)

Anyone can 'Google' this- SHOUT, and read more about the stain remover.

Thank You

***MORTGAGE ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for valuable information if you have a mortgage in the USA-

MERRILL LYNCH
INDYMAC
ONE WEST BANK
GMAC
PHH MORTGAGE
LITTON LOAN
HAMP
MORTGAGE MODIFICATION
MORTGAGE


Karl

Highlands Ranch,
Colorado,
USA
STAINED BLUE DRESS POEM....

#51Consumer Comment

Sun, October 02, 2011

was submitted at this website on October 2, 2011.

Just type in 2416 at this site to see if it is available in the consumer comments section at Ripoff Report #2416.

Thank You

WELCOME TO THE U.S. GOVERNMENT- ONE BIG JOKE THAT'LL SOON GO UP IN SMOKE


Karl

Highlands Ranch,
Colorado,
USA
GOOFBALL SONG 6

#52Consumer Comment

Sat, September 24, 2011

GOOFBALLS, GOOFBALLS IN D.C.  (Please sing to the tune of- "Twinkle, Twinkle Little Star")

Anyone can 'Bing' this- SING ALONG SONGS MIDIS AND LYRICS NIEHS KIDS, and go to the Children's song entitled 'Twinkle, Twinkle Little Star' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3, 4....

Goofballs, goofballs in D.C.
Work for Fed not you and me
All those goofballs make big cash
Soon stock market's gonna crash
Goofballs, goofballs do not work
Every goofball is a jerk.

(Keep Repeating)

Anyone can 'Google' the following videos and watch them on the web for proof that most politicians in Washington D.C. and in America are really working for the Federal Reserve, not the American people-

1) AMERICA: FREEDOM TO FASCISM
2) FRONTLINE: THE WARNING
3) FRONTLINE: INSIDE THE MELTDOWN
4) YOUTUBE FALL OF THE REPUBLIC
5) WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO
6) WHO OWNS THE FEDERAL RESERVE? G. EDWARD GRIFFIN ON THE FED

Thank You

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
GOOFBALL SONG 5.....

#53Consumer Comment

Fri, September 23, 2011

will be submitted at this website soon!

Just type in- BANK OF AMERICA, to see if it is available in the consumer comments section at one of the Bank of America Ripoff Reports.

Thank You

***MORTGAGE ALERT: Don't forget to type in- MERRILL LYNCH, and read St. Clair's Ripoff Report for valuable information if you have a mortgage in the USA. (It's Ripoff Report #481508.)


Karl

Highlands Ranch,
Colorado,
USA
POLITISHIN POEM....

#54Consumer Comment

Fri, August 12, 2011

is available in the consumer comments section at this Ripoff Report.

Thank You

WELCOME TO AMERICA- OUR POLITICIANS WORK FOR THE SAME ORGANIZED CRIME SYNDICATE THAT THE POLITICIANS IN EUROPE ARE WORKING FOR, AND THAT'S WHY THERE ARE SO MANY PROBLEMS IN THE USA AND IN EUROPE


Karl

Highlands Ranch,
Colorado,
USA
I'M ALSO UNEMPLOYED POEM

#55Consumer Comment

Fri, June 17, 2011

I'M ALSO UNEMPLOYED POEM

I'm also unemployed
But I'm a millionaire
Another politician
Who doesn't really care
I'm also unemployed
It doesn't feel good
Someday I'll be an actor
In D.C. or Hollywood
I guess this poem's over
I hope you're not annoyed
That I'm a millionaire
Who's also unemployed.

End.

Anyone can 'Bing' this- I'M ALSO UNEMPLOYED, and read the related articles about the millionaire Republican Presidential candidate Mitt Romney on the web.

Thank You

WELCOME TO AMERICA- A COUNTRY THAT HAS SUCCESSFULLY MANIPULATED THE MINDS OF BILLIONS UPON BILLIONS OF PEOPLE ALL OVER THE WORLD INCLUDING JUST ABOUT EVERYONE IN THE USA



Karl

Highlands Ranch,
Colorado,
USA
WEINER SONG 6

#56Consumer Comment

Tue, June 14, 2011

LET'S HAVE A WEINER ROAST
(Please sing to the tune of- "God Bless America")

Anyone can 'Bing' this- USA PATRIOTIC MIDI TUNES- JACK'S MIDI MUSIC, and click on 'God Bless America' and sing the following lyrics to that tune, correct?

Here we go- 1, 2, 3, 4....

Let's have a weiner roast
 Bring all beef franks
Bring some ketchup
 And mustard, weiner buns
Then we'll eat and give thanks.

Go to Facebook
 Then to Twitter
Text aunt Martha
 And your dad
Let's have a weiner roast
 We'll all be glad.
Let's have a weiner roast
 Quit being sad.

End.

Anyone can 'Google' this- WEINER ROAST, and read the related articles on the web.

Thank You

"Knowledge is power."

POWER TO THE PEOPLE


Reyna

Hockley,
Texas,
U.S.A.
BIG SCAM

#57Consumer Comment

Fri, June 10, 2011

This whole home loan modification is a scam, these banks were given money for the purpose of helping home owners who are having trouble making there payments or facing forclosure.  I have had at least 6 friends submit the paperwork for the loan modification and each and every one of them were denied.  These banks took the money from the government knowing what was for and have used it for bonuses and pay raises not the help homeowners.  All of the banks and executives need to be investigated for fraudently using the goverments money.  They all need to be brought down.


Karl

Highlands Ranch,
Colorado,
USA
POLITISHIN POEM 3

#58Consumer Comment

Fri, June 10, 2011

POLITISHIN POEM 3

Politishins are liars
They work for the FED
Someone tell Charlie's brother
Then text Cindy and Deb!
Politishins are sneaky
Hanky-panky each day
There's a Weiner in hot water
Idaho Senator's gay?
Looks like Blago's in court
Congressman Lee had no shirt
Politishins are fraudsters
Getting caught when they flirt!
Guess this poem is over
Hope they ALL pay the price
Politishins deceived us
And we know that's not nice.

End.

Anyone can 'Google' the following and read the related articles on the web-

1) WEINER IN HOT WATER
2) SEN. CRAIG LOSES APPEAL IN AIRPORT SEX STING CASE
3) ROD BLAGOJEVICH: BLUSTER OR BRIBERY? SECOND CORRUPTION TRIAL CLOSES 
4) MARRIED GOP CONGRESSMAN SENT SEXY PICTURES TO CRAIGSLIST BABE

Thank You

WELCOME TO THE U.S. GOVERNMENT- ONE BIG JOKE


Karl

Highlands Ranch,
Colorado,
USA
POLITISHIN POEM 2

#59Consumer Comment

Mon, May 30, 2011

POLITISHIN POEM 2

They're just puppets
Have no clue
FED is boss
Says what to do
Raise debt ceiling
Spend more dough
Keep it growing
Let it flow
Contact Suzy
Then text Jeff
Puppets serve
The IMF
Go tell Becky
Please Skype Ted
POLITISHINS
Serve the FED
Poem's over
Ain't no joke
Clock is ticking
Country's broke!

End.


Karl

Highlands Ranch,
Colorado,
USA
Encore presentation of- OIL POEM

#60Consumer Comment

Mon, April 25, 2011

OIL POEM

Oil goes up
Our savings goes down
The 'big-shots' smile
Most Americans frown
Food prices will rise
Airline tickets will soar
Can't afford a vacation
Less food from the store
Our country is broken
It's one big ole SCAM
No more money for T-Bones 
No 'Honey Baked Ham'
Oil poem is over
Gettin' ready to scream
Broke the heart of this land
Killed the 'American Dream'

End.

"OIL POEM" was originally posted at this site on April 5, 2010, which was a little over a year ago. The price of oil was $86.46 a barrel at the time it was posted. Anyone can stay at this site and type in 529757 and go to 'Consumer Comment #23' to read it.

The price of Nymex Crude is $111.60 a barrel and Brent Crude is $123.19 a barrel on April 25, 2011. Anyone can 'Google' this- BRENT CRUDE PRICE, and go to the related sites to verify those prices at 11:23 AM ET. 

Thank You

P.S. The USA consumes about 18.8 Million barrels of oil each day. If you subtract $86.46 from $111.60 you will see that oil has risen $25.14 a barrel since April 5, 2010. If you multiply $25.14 of additional profit on each barrel of oil times 18.8 Million barrels, you'll get $472,632,000 of additional profit each day on the USA's consumption alone.

That's four hundred seventy-two million six hundred thirty-two thousand dollars of additional profit EACH DAY on the USA's consumption! (That would certainly allow the 'speculators' (manipulators) to help keep their Ponzi scheme going for now, wouldn't everyone agree?)

For those of you who aren't sure about what the Ponzi scheme is, simply stay at this site and type in 529757 and go to 'Consumer Comment #48' at Ripoff Report #529757 and there's a song that was written about it.

You can also type in 269041 at this site and go to 'Consumer Comment #3' at Ripoff Report #269041 to learn more about this Ponzi scheme, okay?

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
"LADY GAGA SONG 4".....

#61Consumer Comment

Wed, March 09, 2011

has been composed and will be submitted in the consumer comments section at Ripoff Report soon.

*Keep coming to this site every day and type in all of the following to see if it has been posted-

BANK OF AMERICA

WELLS FARGO

CITIGROUP

US BANK

JP MORGAN CHASE

MERRILL LYNCH

GMAC

ALLY

ONEWEST

INDYMAC

HAMP

FEDERAL RESERVE

MORGAN STANLEY

GOLDMAN SACHS

BLACKSTONE GROUP

US GOVERNMENT

NBC

GM CREDIT CARD SERVICES

TOYOTA

OBAMA

BUSH

d**k CHENEY

CLINTON

BOUNTIFUL BREAST

LADY GAGA


Karl

Highlands Ranch,
Colorado,
USA
***NATIONWIDE OIL ALERT: THE PRICE OF A BARREL OF OIL HAS RISEN 300%........

#62Consumer Comment

Tue, March 08, 2011

since Christmas day, 2008. On December 25, 2008, the price of oil closed at $35.18 a barrel. Anyone can 'Google' this- THERE IS NO GAS SHORTAGE, and go to the BusinessWeek article dated April 1, 2008, then read what was stated in the only comment posted on December 25, 2008.

$35.18 x 300% = $105.54

Thank You

"Knowledge is power."

POWER TO THE PEOPLE


Karl

Highlands Ranch,
Colorado,
USA
"BRENT CRUDE SONG".....

#63Consumer Comment

Thu, February 24, 2011

was submitted in the consumer comments section at Ripoff Report #271454.

*Just stay at this site and type in 271454 to see if it is posted later today or tomorrow.

Thank You


Karl

Highlands Ranch,
Colorado,
USA
"POLITISHIN POEM"....

#64Consumer Comment

Thu, January 20, 2011

appears as 'Consumer Comment #5' at this Ripoff Report.

Thank You

**************************** MORTGAGE ALERT ***************************

*Don't forget to type in 481508 and read St. Clair's Ripoff Report for valuable information if you have a mortgage.


Karl

Highlands Ranch,
Colorado,
USA
STENCH GO AWAY

#65Consumer Comment

Thu, September 23, 2010

STENCH GO AWAY


(Please sing to the tune of- 'Anchors Aweigh')

Anyone can 'Google' this- USA MIDI TUNES- JACK'S MIDI MUSIC, and scroll down to the song entitled- 'Anchors Aweigh' and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3, 4....

Stench go away, my friend,
 Stench go away!
We are the people who make-up the USA and we say:
Stench go away, my friend,
 Stench go away!
Dismantle government and soon we will be proud
 and we'll be gay!

End.

Thank You
 
'Gay' (definition at Wikipedia site) - carefree, happy, or bright and showy. 


jbiffle75

Indianapolis,
Illinois,
United States of America
STANK OF AMERICA

#66Consumer Comment

Fri, September 10, 2010

I just read your report and I felt like it was my nightmarish experience written by someone else! I was also with Countrywide and they were pathetic when it came to servicing our mortgage issues. We originally purchases our house in 2006 with two loans, or piggy back loans. We were really taken for a ride ever since. They were charging us fees if we paid early, fees, if we paid over the phone, fees if we paid late, etc. I would check the amount we owed online and the next day they were calling us telling us we owed more money and the website was not 'updated'. We, too experienced a hardship and when I called them to get some assistance, they recommended I have a yard sale to pay them the money we owed because we were falling behind in our payments. Then they said we didn't qualify for a refinance. I waited a few months and tried again once BOA bought them out. I called them beginning of July 2010 and was promised the world. They said I could get a modification on my loan due to a change in our income and I would be getting a 'package' sent to me in three weeks. I was to complete these forms and return the package. It was the end of September and still no package. I called BOA and spent the typical one and half to two and half hours on the phone transfer merry-go-round. I was transferred or given different phone numbers to call then I'd wait 20 minutes only to have someone hang up on me or tell me I had the wrong department. I finally reached a supervisor who gave me a different phone number that was for some sex phone line. Another dead end. I called back BOA and was told that the request for a modification would be escalated since my house was up for auction September 15 2010 and the foreclosure department could push the sale date out. I just needed to wait until September 1. So I called back September 1 and was told to call the foreclosure department who told me I had to wait 72 hours for my request to be processed. I waited two more business days and called back as instructed only to discover that 72 hours is the average and that there is no time frame I can expect to get approved. Now it was time for another supervisor. This lady sarcastically explained to me that I will not be approved for this loan modification because I am too far behind on my payments and I need to not blame the bank. I should have made payments if I wanted to keep the house. I told her that they should have told me this in July and I could have made other plans and not anticipated the fact that BOA gave a d**n or was going to help me in any way, shape or form. She retorted that she can not answer for someone else in a different department. I waited until the next day, spent another two and half hours on the phone getting hung up on and the run around some more. I reached another customer service representative who told me of another program that I may be eligible for called NHRP, but when she 'transferred' me she too hung up on me. I called back and talked to someone else who was talking to me in spanish at first (?) which I have no idea how that happened, only to discover that NHRP department DOES NOT EXIST. This person told me I should not have waited until the last minute to try to save my home. With less than a week before the sale date on my home, there is nothing left for them to do as far as helping us with our mortgage. The past four and half years has been a living hell dealing with both of these companies. Bank of America and Countrywide have been the worst experience. I am so tired of trying to do the right thing that I have decided to cut my losses at this point. I was hoping that our politicians would step in and regulate the fact that these banks are taking full advantage of these homeowners and instead of incriminating them they get rewarded with money that instead of being allocated to homeowners who have experienced hardships decide to use that money for other non-related business transactions. This is so frustrating and exhausting. I can't wait to finally move out and start over and forget this whole ordeal. I look at it as a lesson learned. I REALLY feel your anguish for anyone reading this that has had a similiar experience. The only thing I can say is STAY AWAY FROM BOA they are unethically taking advantage of the consumer and will continue to do this until someone puts a stop to it. You are absolutely right when you say in your report that they deceivingly act like they are there to help and they want to work with homeowners to save the house. What a crock! I have a co-worker who states some people are filing bankruptcy for the amount they are behind on their mortgage and yet they are still able to keep their home. Maybe this is an option for you to explore. Try looking up President Obama's website as there may be some helpful links that will help with your situation. As for me, I'm moving on and out of this mess.


Karl

Highlands Ranch,
Colorado,
USA
PENTA'GONG' POEM

#67Consumer Comment

Tue, September 07, 2010

PENTA'GONG' POEM


There once was this thing
It was called Penta'Gong'
We were told to believe them
But we were obviously wrong.

We had faith in our leaders
They'd rise early each morn
Go to work at the office
Surf the web and watch porn?

What's going on in this country
Not a soul can be trusted
Watching kiddy-porn on the web
Time for ALL to be busted!

Guess this poem is over
'Big-shots' do what is wrong
Almost everything's evil
Add one more- PENTA'GONG'

End. 

Thank You

Anyone can 'Google' this- PENTAGON DECLINED TO INVESTIGATE HUNDREDS OF PURCHASES OF CHILD PORNOGRAPHY, and read the related articles on the web, correct?

WELCOME TO THE PENTA'GONG'- ONE BIG 5-SIDED JOKE


Karl

Highlands Ranch,
Colorado,
USA
POLITISHIN POEM

#68Consumer Comment

Thu, August 26, 2010

POLITISHIN POEM


Are they fast asleep
In their nice warm bed
Dreaming of their heroes
Who control the Fed?

Will they go to church
Stand beneath the steeple
Then think to themselves
"It's about the people"?

Do they understand
Millions are in pain
While the Fed makes billions
In financial gain?

Time to end this poem
Time to end all wars
Time to help the PEOPLE
And open brand new doors.

End.

Thank You


Desperately Seeking Modification w/

DOWNEY,
California,
United States of America
BOA Denied Modification after 10 months of making Trial Payments Offered

#69REBUTTAL Individual responds

Fri, August 20, 2010

Same Situation as many people trying to modify with BOA. Make a long story short I requested modification last August 2009. Qualified on Making Homes Affordable plan. Given a trial payment less than my normal payment based on my financials provided. I was giving trial payments for the past 9 months. I contacted BOA every week or so to get status update on my loan and was given the same update each time from a different rep. At times they seemed unhelpful to my requests of an accurate update. I provided requested updates on my financials> Tax Return> Check Stubs> Bank Statement> House Expenses about three times during this hope period. Each time i was somewhat helpful that they would work with me and approve my modification request as I was giving the trial payments in good faith. I have been trying to navigate the Bank of America Home Loans (BAC) / Countrywide (CW) retention program for 9 months with no avail. I have a home that is at a + market value of what I owe. As other homeowners I have also worked with the BAC foreclosure home retention department and have been denied multiple times, even after proving documented undue hardship, consistent financial capability (to support a modified loan), and willingness to stay in the home to keep a roof over my to two daughters and be the best single mom that I can be and have been for the past 12 years.

I was told that that the only reason that I am not approved for any loan is because IS THAT THE "INVESTOR FREDDIE MAC WILL NOT ALLOW LOAN FOR MODIFICATION", .

Despite the Millions even Billions of dollars BOA received they are not helping those who have proven to be able to afford the new trial payment initially offered.

I think that is is unconstitutional the BOA is adding the late payments to the back of the loan in addtion to the monthly payments besides not giving you false hopes and end the helping the homeowners. Where is the Gov't or for that matter the President who was the one who gave this money to the banks??


LadyKi

Sandpoint,
Idaho,
United States of America
BOA Subsidiary of Bank of America denial of loan modification

#70General Comment

Tue, May 11, 2010

Countrywide mortgages, assumed by Bank of America and now it's subsidiary collections agency BAC, Simi Valley,CA sent me a FedEX package to see if I qualified for a home loan modification at the end of Feb, 2010, due to missing one payment. When I called as per the forms sent with the requested financials worksheet, I told the woman I spoke with my most current pay stub I would be picking up that night from work and would call her in the morning with the amounts. Which I did, only to be told that, oh...changes had been made and this information could no longer be taken over the phone...I would receive another Fed EX package, I was also told I need to be more than 30 days behind in my mortgage to qualify....the second Fed EX package never arrived. What did arrive was a letter from a company called Titanium Services stating they were a 3rd party to BAC and BOA and hired by them to come to my home personally to take my financial information and documents and I would be contacted for an appointment, in a few days.

Well...that never happened.

Then I received a letter stating that all monies behind MUST be paid in FULL by the 16th of May, 2010 or my home would be foreclosed, no partial payments accepted. I had been sitting on one payment waiting for these FedEX packages or someone to personally come to my home. 

When I called BAC, they knew nothing of any of this, or so they said. They also said of course they could take my information from the worksheet over the phone and that I had to fax them the documents they needed, they did not know of a Titanium Services company and stated no one personally visits our home for this information ! NO response to me telling them I had been told to be over 30 days late with my mortgage payment. I asked if she would like me to make the payment I had been sitting on which still makes me behind one payment, and was told if I wanted to !! 
I decided given the time frame between Feb, 2010 and the end of April, 2010, when all of this began and the lack of any clear direction, making one payment would be wise  as well as scheduling the next one, which still leaves me a payment behind. This was done, all info was faxed to BAC on April 28th, 2010. I called on Tuesday May 3rd, to make sure the faxed documents were received by them, they were. Both times I spoke with customer service who took my information, I was told I was qualified for a loan modification. I had previously checked the .gov website for the Making Home Affordable programs, filled out their on-line forms and was also told I was qualified due to my payment being well over 31% of my income, as well as just my monthly bills, not counting bills such as credit cards. 

In a letter dated May 4th, the day after 2 business days of receiving my faxed documents, and also being told it would take 30 - 60 days for processing, the letter stated that due to my financial information I was NOT qualified for any of their services.  All of this determined in a DAY ???? I don't think so.

I called right away to ask why, and was told I had to wait 3 days to find out as that was not in my file yet. Then I hit the roof. Asked of they were aware I had received a foreclosure notice of the 16th of May, 2010, the end of this week. Was told that was not in my file ! But I could re-apply if I wanted to, to ensure anything pending would be put on hold. While once again going over my monthly financials I was told I would receive ANOTHER Fed EX package ! Is this sounding like a repeat nightmare or what ??

Again, I went back to the beginning, again, no response to being told I must be overdue 30 days, no response to a company called Titanium and the letter I received from them..other than once again, they don't send any 3rd hired party to your home.

So, who's conning who here ?? As this is in reply to a previously stated report here on RipOff, absolutely it would appear that information being given is lost, not given accurately and one will be denied...as many times as possible, before and IF anything is ever modified. While BOA is busy aquiring other mortgages held by other companies, (look on their website for the latest aquisitions)  the Making Homes Affordable Program is going widely ignored, homeowners are not being helped, one can't even get through to a real person unless you scream RESPRESENTATIVE at voice prompts, and then proceed with a chain of dropped calls while being put on hold or transferred, so you can plan on making a day of contacting anyone !  

If all of this isn't enough fun, I recently, as did many home owners, received notice of a class action lawsuit against, Countywide, FSB, and Bank of America, together called "Countrywide" that has reached a settlement about the theft of personal and financial information from their customer database ! Read more about that at: www.CWdataclaims.com Was it theft...how about our information was sold along with our mortgages...and this will not be the first class action law suit of this nature.

Amazing that when I was told by the person I spoke with today that she didn't know why my application was denied and I blew it, screaming who the hell is Titanium Services and who is SELLING my financial information, and HOW could an application they just got that was still in process be DENIED...suddenly I was given a new application. It is time for someone to take a serious look into the dealings of the top lending institutions and find out WHY the programs that are available to us are being denied. 

I am just a single person who doesn't have children, but I have pets, they are my family and if it were not for them, as leaving them homeless is not an option any more than leaving one's two legged child is, BOA could have the keys to my house, as right now I can rent a brand new one for less than half my mortgage. We have more houses sitting empty then occupied.

Frustrated in Seattle...I'm right with you just a state away in Idaho.     


Karl

highlands ranch,
Colorado,
U.S.A.
Quote: "THE ZIONISTS HAVE GAINED POLITICAL CONTROL OVER GENTILE GOVERNMENTS"....

#71

Thu, September 10, 2009

To read that quote, simply 'Bing' this- DR MANDELSTAMM OF KIEFF, and click on- 'Controversy of Zion', and then go to 'Page 97' and you can read it. Make sure to read the entire passage at least 3 or 4 times, very slowly. Then ask yourself this question: 'Is all of this currently happening in the USA, & around the world?'


YOU BE THE JUDGE.

P.S. Dr. Mandelstamm's quote appears in its entirety on 'Page 94' of that passage, if you're interested. 

Thank you.


Karl

highlands ranch,
Colorado,
U.S.A.
'Google' this- LAWMAKER GOT CHOICE COUNTRYWIDE LOANS, and read it!

#72

Wed, August 12, 2009

Just think, a politician who was earning a SIX DIGIT GUARANTEED SALARY was getting 'special' rates on his home loans, right?


WELCOME TO AMERICA- ONE BIG FAT LIE!

'Google' this- LAWMAKER GOT CHOICE COUNTRYWIDE LOANS, and read it! Bank of America now owns Countrywide, correct?

'Google' this- BANK OF AMERICA COMPLAINTS SECRET LIFE INSURANCE POLICIES, and read that article too!

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