Let's ight back together!

Jane’s Story 

November 29, 2009 by christine  

Jane’s Story 

 

This is a story about a woman named Jane. She could be your next door neighbor.  

 

Her story is just like millions of other Americans. Jane had it all: a great job in technology with a big company, two adopted children and a home in a suburban town. Life was good and Jane thought she was set for life.  

 

Jane decided to move to a nearby town with a better school district where her children could get a better education. Jane decided to buy a house in that neighboring school district in 2007, thinking she could sell her house in the old school district pretty quick.  

 

Of course, the originator of her new loan, Quicken Loans, had no problem loaning her the money to buy her new home.  

 

“You want a loan for a second house? No problem!” 

 

So Jane closed on the loan for new house and moved in just in time for her kids to start school in the new school district.  

 

Shortly after that, the economy tanked and Jane was laid off from work, going from a six figure income to the unemployment line. Then, she got sick and discovered that she could not return to work, because of the economy and her illness. She applied for Social Security Disability due to her health problems. Things got so bad that she tried to return to work, but the job market was non-existent, even with her skills in the technology field.  

 

To make matters worse, the real estate market had collapsed, and she couldn’t sell the first home that she had moved out of.  

 

Jane was a responsible citizen and always paid her bills on time. However, she eventually burned through her entire life savings to stay afloat, making the payments on her first home. Eventually, she ran out of money. She tried to work out a loan modification, but despite her best efforts, her pretender lender and servicer on the first house, Bank of America, refused to work out a loan modification on her home.  

 

On October 28, 2009, the servicer on her loan, BAC Home Loans, filed a lawsuit against her to take her first home. At first, Jane was resigned to the fact that she would be unable to keep the home. She felt terrible that she couldn’t pay for the home, even though she’d done everything possible to sell the home and work out an arrangement to modify the loan.  

 

Then, Jane decided to do some research to try to save her home. The first thing she did was look at the court papers she’d been served with. She ran a Google search on the attorney’s office representing BAC Home Loans, the servicer of her loan and Plaintiff in the foreclosure action, which quickly revealed that the law firm was essentially a foreclosure mill, churning out one document after another to foreclose on unsuspecting homeowners.  

 

Jane noticed that there was an Assignment of her mortgage from the originator, Quicken Loans, to BAC Home Loans Servicing and MERS attached to the Complaint to Foreclose Mortgage. The recording date was October 19, 2009, just nine days before they filed the lawsuit against her.  

 

Jane thought, “Hmmm….that’s odd. This assignment was filed just nine days before they filed a lawsuit against me to foreclose on my home. And who is MERS and what are they doing on the paperwork related to my home loan?  

 

Jane also noticed that the assignment was signed by someone named William McAlister, who executed the assignment as “Authorized Signator” on behalf of MERS.  

 

Jane looked at MERS’ corporate records for the State of Delaware and did not see anyone named William McAlister listed as an officer of the corporation. Jane also looked at MERS’ website and didn’t see anything about him there either.  

 

Jane stumbled across some information on the internet that said MERS is essentially a privatized county recorder’s office that no one has access to except for its members. MERS has “Authorized Signators” who are employees of its member institutions, located throughout the country, and these “Authorized Signators” routinely execute Assignments even though they aren’t employed by MERS. This is to make the foreclosure process easier for them. They can execute the Assignment and have it recorded just days before a foreclosure lawsuit is filed or a trustee’s sale takes place.  

 

On a hunch, Jane dialed the number on the lawsuit papers for the attorney’s office who was representing BAC Home Loans. She did a search by name in the law firm telephone directory, and guess who was listed? Mr. McAlister!  

 

“Wait a minute,” thought Jane. “How can someone assign a mortgage for a company they don’t even work for, just days before they file a lawsuit to take my home?” 

 

The answer is: They do it all the time BECAUSE HOMEOWNERS DON’T REALIZE THIS IS WHAT’S GOING ON!  

 

Pay attention, folks! This is what it looks like!  

 

The crooks trying to take your home, in this case Bank of America, MERS and their attorneys are using fraud and sleight of hand by recording an assignment of your mortgage shortly before they file a lawsuit against your or notice up a trustee’s sale.  

 

They do it this

Do Not Buy Dell Computer Laptops Owner Michael Dell of OneWest Bank Foreclosing on American Homeowners 

Published January 05, 2010 by: 

Mrs. Mon E. Penny 

 

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SaveSingle page Page:12Next Page »If Tiger Woods Loss of Endorsements Have Shown Americans is that Companies Do Listen when it Comes to Profit 

With the headlines of companies no longer supporting Tiger Woods, this should be a lesson to the American buying public. Companies realize that if they stand behind something or someone we feel is immoral, the buying 

dollars needed to support them will disappear. The same should happen for the buying of Michael Dells Dell Computers. Unlike Microsoft and Apple, the owner of this company is throwing Americans out of their homes by not allowing his company, OneWest Bank to perform loan modifications. The Internet is loaded with stories from homeowners who have been lied to by OneWest Bank. The majority holders or owners of this company include American Michael Dell and Foreign born George Soros. Do not buy a Dell notebook mini or laptop computer. 

 

Sadly, Michael Dell has gone as far from his roots as possible. Without a loan from his family, he never would have been able to build his empire, which made him a billionaire thanks to the consumer support of American households. It is ironic, that his home state ranks 12th in foreclosures, of which Michael has a major contribution through OneWest Bank. He through his donations, has contributed to the University of Texas $50 million, yet he fails to save the 100,000 or more homeowners who qualify for HAMP. Michael Dell did make the decision, upon the cheaply purchased failed IndyMac Bank, now called OneWest Bank to use the HAMP program as a means to collect more money that was not required to be paid back like TARP and is not being made public. This money being received by OneWest Bank is taxpayer funds paid from the US government directly to the Bank for short sales and cash for keys. It makes one wonder how much of that $50 million is the sweat of the American taxpayer who have lost their homes.

like you all, i too, am a lazy and reckless homeowner. i actually called my congressmen the other day and i apologized for my transgressions, as well as anyone elses' on this website. all we do is complain, i told the senator, and all we wait for are hand-outs and play the victim card, b/c we know Obama stands for us lazy homeowners. the senator didn't have much to say. haha, i guess he realized how us democrats and lazy and reckless homeowners really operate! lol! and the funniest thing is, my legal attorneys that worked with me state that they worked with me b/c i pay them basically for doing nothing whenever they call the bank, and it's easy money! i guess i should've let them know they didn't fully hang up the phone on me after our discussion!

Dear truthfortheignoranthomeowner, 

 

You must work for One West Bank.

yes please let me know about website i have a story to post thank you . how do i get to the website?/ how can i be some help ? i can pass it on all over websites how do you do it lets get it to be seen and shown the people who really one west bank is liars pure liars

As American homeowners united for justice, we would like to sincerely apologize for being fiscally irresponsible citizens. we understand that we shouldn't have lied on our applications and presented the bank with false income documents. we are truly sorry for playing the victim card, as well as wanting a hand-out. as american homeowners, we understand that we need to short sell our home, as it is only brick and mortar, and we realize that we shouldn't have acquired something we couldn't afford. as irresponsible as we have been, we understand that the bank is a business, not a nonprofit organization, and that we entered into a legally binding contract called a note when we signed it on the closing day. we understand that modifications are not guaranteed, and are not even mentioned in the note. Dear Congress, we should be apologizing and learning how to not buy into the myth known as the American Dream -- as it is ultimately nothing more than a pipe dream created by corporations and dilussional citizens, like all of us on the website, in hopes to acquire more stuff and continue to lead irresponsible, regrettable, and affluent lives. god bless america and the lazy, incompetent, and (for a lack of better words) pathetic homeowner. god bless.

I am trying to put a website together just for OneWest bank victims. I have it ready to go, but it apparently takes weeks to get up on line. I am working to start a class action suit for Californial. 

I sent information to my senator and BARABARA BOXER and she simply sent it on to the Congressional Due Diligence representative at OneWest. 

Congress does not care. Attornie generals do not care.  

We need to unite to sue together to get national attention. 

If it takes too long for my web site to appear, I will use facebook or myspace. 

I AM working with an attorney already. 

My URL is onewestindymacvictimssue.net I will post on every website with victims of OneWest so we can have just one site to work with a soon as it is easy to pull up!