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Mortgage bank again

Today is an important day. I have been in a four year fight with SunTrust. It seems like they will never learn. The lawsuit that I filed against them in December has been settled. Although the exact terms of the settlement are confidential, I can say that I received a 5 figure settlement. That is the second time that they have paid me 5 figures within the past year. In the settlement, I agreed to hold them harmless for everything that they had done as of the date of the settlement.

The day after the settlement was signed, they again violated the court’s order. I am going to wait a couple of months for them to do it a few more times, and I will sue them again. Sooner or later, they will get the message.

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Continuing Shenanigans

For those just joining us:
I had a house that lost its value in the real estate crash. I declared bankruptcy, and was going to turn the house over to the bank. The bank testified in court that they were the owner of the note and the mortgage, but I caught them lying. They had sold the note and mortgage to Fannie Mae, two year earlier. I sued, and we settled out of court for almost 10 grand. They then sold the note and mortgage again, this time to Nationstar mortgage. They recorded the sale in the county clerk’s office.

Then SunTrust tried to foreclose. The foreclosure was dismissed, and Nationstar claimed to not have any record of owning the mortgage.

The feds stepped in and sued the banks. I got another $4,000 in THAT lawsuit.

SunTrust continued to send me demands for payment, even though prohibited from doing so by the bankruptcy court, and the fact that they no longer own the note and mortgage. So after a few years of this, I got tired of it and sued again in May of this year (the hearing was in June). This time, the court awarded me $14,700 and instructed SunTrust to have no further contact with me.

The next day, SunTrust began sending letters and leaving notes on my door. Since that court date in June, I have gotten 2 letters, 5 notes on my door, and two phone calls.

Today, I get a letter from SunTrust, telling me that they have sold my note and mortgage, and effective October 1, 2013, I should send my payments to yet another bank. I am thinking that this is going to be my new career.

Bankruptcy is supposed to allow you to start over. It has been four years, and this bank STILL will not leave me alone.

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Banks illegally entering homes

The banks have been unable to win foreclosure lawsuits, because they do not have the proper paperwork. So what do they do? Kick in your door, change the locks, throw your possessions out into the street, and lock you out- even though they have not foreclosed on the house. 

As one of the owners of a company who specializes in “securing” or “winterizing” properties was recently quoted in the Palm Beach Post said, “Lawsuits don’t phase us anymore.”

In this 911 call, JP Morgan Chase hired people to break in to this woman’s house and change her locks.

Lawsuits may not phase you, but I bet buckshot will. If you are breaking into a house that isn’t yours, I don’t care how much money I owe you, you are sill committing burglary.

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Billing errors and documentation

I recently moved. When I moved, I shut off all services at the old house, and opened them at the new one. I had my mail forwarded, and I gave my new address to all of the people who needed it. All of my final bills came to me and were paid. Except one.

Bell South sent my bill to the new street address, but the old city, like so:

123 New House Street
Old Town, Florida

So as a result, I never got the bill. Three months later, I am contacted by a collection agency. I call Bell South and ask them why I was sent to collections, and the problem is quickly identified. I point out that since the error was theirs and not mine, that I will pay what I owe, but that I will not pay late fees, nor will I pay this unless I get a letter that states that the collection will not be placed on my credit.

The lady tells me that they don’t do that, and that I should just pay. She goes on to say that since the letter was not returned, the fact that I did not get the letter is not their problem.

The problem is that I will not pay a late fee that was not my fault, and if I pay at all without such a letter, nothing prevents them from placing a black mark upon my credit record.

I send a dispute letter to the collector AND to Bell South. Bell South sends me a copy of my last three bills, and these copies clearly show that they had the address wrong.

Funny thing is that the collection agency manages to get the address right. Since my dispute, they have both ignored my letters, and continue to call. They call me, they call my girlfriend. They send letters. Soon, I am sure they will place this on my credit record. When they do, they are going to force me into suing them for violating the law.

Why can’t businesses just do business in an ethical manner? I want to pay this, but I also am not going to ruin my credit for the next seven years because of an error on their part.