Comments on: Goldman Sachs’s Dirty Little Secret http://dirtdiggersdigest.org/archives/228 chronicling corporate misbehavior (and how to research it) Sat, 24 Mar 2012 23:44:18 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: steven Robinson http://dirtdiggersdigest.org/archives/228/comment-page-1#comment-1806 steven Robinson Tue, 28 Jul 2009 23:47:19 +0000 http://dirtdiggersdigest.org/?p=228#comment-1806 We are residents of Missouri where non-judicial foreclosure is a standard of business,.. which sucks. I am a stroke victim,.. two years ago,.. and I've found nothing but contempt, cold behavior and outright rage against me as I've tried to keep a roof over my family's heads, We took a loan out with Fremont Loan in July 2005, in July 2007 the payment jumped thirty percent. We could not pay! We are presently in negotiations with Litton Loan Servicing under the HAMP guidelines after banging our shoe loudly on the desk with evidence of TILA and RESPA violations and further proof that Fremont Loan, (our originator) closed the loan with a false Missouri Loan Broker number. We have managed to avoid foreclosure now for two years using these tactics. Three months ago Litton finally referred us to the Executive Resolution Department,.. (where the few people Litton has with experience, knowledge, and a reasonable business etiquet work). Since we've worked with our agent there we've received reasonably courteous service,.. we are working thru the terms of HAMP. Still, we have had a few scares,.. about four weeks ago we received yet Another "Notice of Foreclosure" scheduled for July 22 this year which was "missed" as it was up for automatic refiling and had to be called off. That done, the agent sent us the forms for HAMP and we proceeded to effect dialogue as to our qualifications, filled out his forms,. and went on until today when a real estate agent came to our door and left a card notifying us "Call Immediately - This Home has been Foreclosed". Needless to say we are again confused, angered, and feel threatened. I would LOVE to speak with you or April Charney as to the "produce the note" process,.. I've asked and asked Fremont, then Wells Fargo, then HSBC, then two or three other "agents" until I've gotten to Litton Loan Servicing,.. who tells me the note doesn't exist,.. that the debt is in the name of a trust and is fractionalized among many investors, (I believe these are "tranche-holders"),.. so now I'm informed that the note is not in existence,.. doesn't this mean the UCC law affecting the "show me the note" argument should apply? Our state has no judicial process for foreclosure,.. so HOW DO I GET THESE FOLKS TO BE ACCOUNTABLE AND "SHOW EM THE NOTE"???? I've sent a long complaint to C of C, Treasury, Mo Div of Prof. Registration and the state DOJ - AG, mentioned RESPA, TILA, and the rest,.. this is how I got to the "Executive Resolution Department,.. but what now? If a not HAS been foreclosed, without judicial review,.. can I have it overturned by a court for failure to show the note? How do I get them to prove out the process of note assignment,. the paper trail? Would you refer me to Ms Charney or someone who could help? Please do not ignore this email,.. we need to get a resolution to this matter soon. ANYONE who can help in this situation please respond We are residents of Missouri where non-judicial foreclosure is a standard of business,.. which sucks.

I am a stroke victim,.. two years ago,.. and I’ve found nothing but contempt, cold behavior and outright rage against me as I’ve tried to keep a roof over my family’s heads,

We took a loan out with Fremont Loan in July 2005, in July 2007 the payment jumped thirty percent.
We could not pay!

We are presently in negotiations with Litton Loan Servicing under the HAMP guidelines after banging our shoe loudly on the desk with evidence of TILA and RESPA violations and further proof that Fremont Loan, (our originator) closed the loan with a false Missouri Loan Broker number.
We have managed to avoid foreclosure now for two years using these tactics.
Three months ago Litton finally referred us to the Executive Resolution Department,.. (where the few people Litton has with experience, knowledge, and a reasonable business etiquet work).

Since we’ve worked with our agent there we’ve received reasonably courteous service,.. we are working thru the terms of HAMP.
Still, we have had a few scares,.. about four weeks ago we received yet Another “Notice of Foreclosure” scheduled for July 22 this year which was “missed” as it was up for automatic refiling and had to be called off.
That done, the agent sent us the forms for HAMP and we proceeded to effect dialogue as to our qualifications, filled out his forms,. and went on until today when a real estate agent came to our door and left a card notifying us “Call Immediately – This Home has been Foreclosed”.

Needless to say we are again confused, angered, and feel threatened.

I would LOVE to speak with you or April Charney as to the “produce the note” process,.. I’ve asked and asked Fremont, then Wells Fargo, then HSBC, then two or three other “agents” until I’ve gotten to Litton Loan Servicing,.. who tells me the note doesn’t exist,.. that the debt is in the name of a trust and is fractionalized among many investors, (I believe these are “tranche-holders”),.. so now I’m informed that the note is not in existence,.. doesn’t this mean the UCC law affecting the “show me the note” argument should apply?

Our state has no judicial process for foreclosure,.. so HOW DO I GET THESE FOLKS TO BE ACCOUNTABLE AND “SHOW EM THE NOTE”????

I’ve sent a long complaint to C of C, Treasury, Mo Div of Prof. Registration and the state DOJ – AG, mentioned RESPA, TILA, and the rest,.. this is how I got to the “Executive Resolution Department,.. but what now?

If a not HAS been foreclosed, without judicial review,.. can I have it overturned by a court for failure to show the note?

How do I get them to prove out the process of note assignment,. the paper trail? Would you refer me to Ms Charney or someone who could help?

Please do not ignore this email,.. we need to get a resolution to this matter soon.
ANYONE who can help in this situation please respond

]]> By: Jeremy http://dirtdiggersdigest.org/archives/228/comment-page-1#comment-1774 Jeremy Mon, 06 Jul 2009 19:38:24 +0000 http://dirtdiggersdigest.org/?p=228#comment-1774 Shelling out bonuses like Goldman has done in times of a deep recession is just despicable. I just read an article in Rolling Stone about how they've perpetuated schemes over and over. How amazing that company must be to have survived challenging times like these, but at what externalized social costs? http://salsa.democracyinaction.org/o/2215/t/8981/signUp.jsp?key=4278 Shelling out bonuses like Goldman has done in times of a deep recession is just despicable. I just read an article in Rolling Stone about how they’ve perpetuated schemes over and over. How amazing that company must be to have survived challenging times like these, but at what externalized social costs?

http://salsa.democracyinaction.org/o/2215/t/8981/signUp.jsp?key=4278

]]> By: Jeff http://dirtdiggersdigest.org/archives/228/comment-page-1#comment-1766 Jeff Sat, 04 Jul 2009 05:09:26 +0000 http://dirtdiggersdigest.org/?p=228#comment-1766 Check out this scorching expose of Goldman Sachs by Michael Taibbi published in Rolling Stone http://www.box.net/shared/llslr792r8 It has some rather crude language in parts, but includes some critical info about Goldman Sachs that isn't covered by the mainstream media, but certainly should be. It is in pdf format unfortunately, and in less than perfect shape, but is well worth the read. Check out this scorching expose of Goldman Sachs by Michael Taibbi published in Rolling Stone

http://www.box.net/shared/llslr792r8

It has some rather crude language in parts, but includes some critical info about Goldman Sachs that isn’t covered by the mainstream media, but certainly should be. It is in pdf format unfortunately, and in less than perfect shape, but is well worth the read.

]]> By: Barbara Searcy http://dirtdiggersdigest.org/archives/228/comment-page-1#comment-1320 Barbara Searcy Fri, 16 Jan 2009 18:25:29 +0000 http://dirtdiggersdigest.org/?p=228#comment-1320 I had a sub-prime mortgage though I was unaware of it at the time. I thought I had a regular mortgage with my local bank - who sold it. In the last year of my mortgage experience I had 4 different mortgage (servicing) companies after me. Every time they sold me - I lost a payment in the transfer - which was never to be found. Eventually - this led to foreclosure. I was sold by Litton to Americas Servicing Company - which is the bloodsucking collector for Wells Fargo. I had no idea Wells Fargo had my mortgage until I read the foreclosure notice in the local paper - I received no notice from them. I lost my home while trying to "modify" with Americas Servicing Company - who refused to answer calls and delayed decisions on my loan modification - until they took my house. I want a join a class action suit - and add ASC/Wells Fargo to the bunch of defendants. They definitely don't deserve any "bailout" from MY tax money! I had a sub-prime mortgage though I was unaware of it at the time. I thought I had a regular mortgage with my local bank – who sold it. In the last year of my mortgage experience I had 4 different mortgage (servicing) companies after me. Every time they sold me – I lost a payment in the transfer – which was never to be found. Eventually – this led to foreclosure. I was sold by Litton to Americas Servicing Company – which is the bloodsucking collector for Wells Fargo. I had no idea Wells Fargo had my mortgage until I read the foreclosure notice in the local paper – I received no notice from them. I lost my home while trying to “modify” with Americas Servicing Company – who refused to answer calls and delayed decisions on my loan modification – until they took my house. I want a join a class action suit – and add ASC/Wells Fargo to the bunch of defendants. They definitely don’t deserve any “bailout” from MY tax money!

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