I work in the First Horizon Loss Mitigation

Just in Case you do not read the comments here

FOR THE RECORD  IBM DOES NOT RETURN PHONE CALLS
Comment:
Did all see this? It’s form a Loss mitigation specialist at First Horizon. Link included. Unbelievable!! As if we wanted this to happen!! Really makes me want to do the class action suit and this could be used in it..

New Comment By: Tiffany Bogen

URL: http://www.afscanhelp.com/blog/2010/4/need-loan-modification-first-horizon.cfm

I just wanted to let all you know that you are better off moving out of the property and letting it get foreclosed. I work in the First Horizon Loss Mitigation department and I will tell you that maybe 5% of the people that apply get there loan modified. Also dont bother trying to speak with a supervisor when you call in. Trust me they dont want to speak with you, they have better things to do and could care less if you lose your house. If you ask for a supervisor we will let you know that we will have one give you a call back, which they never do. Also if you try to fax in more than 30 pages we will throw your work out package away. Hope this helps…next time maybe you will purchase  a home that you can afford.

Good Friday – First Horizon – I’ll look into this missing bank check.

I finally received a call back to my 5 voice mail messages.  Amy, received my fax – with proof and has decided she will look into this matter and get back to me.  What was she going to do before – NOTHING!

I am tried of the waiting – so first thing this morning (4/2/10)  I sent out the following letter.

April 2, 2010

TO:

Senator John Kerry             Senator Scott Brown           Senator John Cornyn          Senator Kay Bailey Hutchison

Senator Harry Reid             Speaker Nancy Pelosi         Leader John Boehner         State Senator Niki Tsongas

State Sen Susan Tucker     State Sen David Torrisi       State Rep Marty Meehan  First American

Governor Deval Patrick                First Horizon Home Loan  Orlans/Moran Attorney

Jake Carlson – HopeNow                                               

 On February 23, 2010 and January 10, 2009 I wrote to each one of you listed above.  I heard from several of you. Sadly most ignored our plight.  We will remember that when we vote.  Those that responded in assisting us in  stopping my home foreclosure. Thank You – we will remember in a positive way – when we vote.

While the foreclosure is temporarily stopped – I am now facing another threat.  I believe that this company First Horizon Home Loan, aka First American aka Metlife – needs to be fully investigated.

I am expanding my list because I believe that if I barrage enough people – I may get some help.  Someone may finally “get it.”  Someone may investigate. 

MA Attorney General Martha Coakley          FDIC                                      Attorney General Eric Holder

MA Consumer Affairs                                        Better Business Bureau     ABC, NBC, CBS, FOX, CNN

Eagle Tribune                                                       Boston Herald                      Boston Globe

NY Times         More names to be added soon                                            

 I refer you to my letters dated January 10, 2009 and February 23, 2010. 

On March 8, 2010 I received a call from (Amy) First Horizon – she indicated that we would be receiving a package (overnight) to include the following:  We were to make 3 to 4 mortgage payments – to show consistency of payments – they then would consider a “stip to mod”.  I called (Amy) on March 13, 2010 – looking for the “overnight” package – Amy told me it was “out of her control” once the package left her hands.”  On March 16, 2010 that “overnight” package suddenly appears on my porch and it is date March 13, 2010. 

This package is now different than what was discussed.  They now want 3 mortgage payments and a whopping balloon.  First payment due March 25, 2010. 

On March 23, 2010 I purchased a bank treasurer check, went to the post office and sent this check along with the signed documents “Express mail overnight by noon March 24, 2010 with signature delivery confirmation. On March 24, 2010 package arrived and was signed for.  All was good, so I thought. 

On April 1, 2010, 8 days later Amy calls me and states we did not receive your check, we did receive the signed documents and they are no longer any good. We received the documents on March 26, 2010 – 1 day late. After 2+ years of – I finally lost my temper. The lies, the inconsistency, lack of return calls, constant mailing of documents, lame excuses, never getting any answers, never speaking to anyone with any understanding of the situation, back and forth between companies – enough. I have proof of purchase 3/23 and proof of delivery 3/24.   I have since left 4 voice messages for Amy, 1 to Renzy Birrage and faxed my copies of  the bank check and mail receipt. I also emailed Larry Cole – counsel for MetLife – I have not heard back.  I predict I will receive another foreclosure notice – soon! It is their practice. 

We know they are looking for any excuse to take our home. We have educated ourselves.  We have done a lot of research and have found that we are not alone.  First Horizon has a very bad reputation for leading homeowners on.  First they do not accept payments “under review – be patient” then they accept payments and in the end the homeowner will lose their home.  We have not qualified for any program – from not making enough money to making too much money.  Hope Now – Hope for Homeowner was a complete waste of time. Very bad information and false hope is all they offered. The list goes on.   

Every program implemented by the Obama administration has not helped. There is always a backdoor out for the banks. The financial institutions will not work with the homeowners –dispute what Sec Geither says on YouTube before congress.  It is clear to us homeowners that the banks prefer to get as much money out of the homeowner as they can then take the house and write it off as a loss.

Another First Horizon Home Loan “LIE” my bête noire

After receiving finally (after 2 years) a phone call from First Horizon Home Loans – I stupidly thought now we are getting somewhere.  Wrong wrong wrong.  Amy, called us and stated – we will be sending you out another package ( apparently the package they sent us in July – I mean August got lost???) in this package you will make 3-4 mortgage payments – just to show us consistency of payments – and the we will stip to mod – whatever that means.  Poor Amy could not really explain it. 

She was going to overnight this package on March 8, 2010.   I called her on March 13, 2010 looking for my overnight package. Amy tells me “Once it leaves her hands it’s out of her control” she did her job.  Okay!  The package arrives on March 17, 2010 and the documents are dated March 13, 2010.  (whopping lie) I think you lied to me – March 8 to March 13 – I don’t think you did your job at all.

The package is nothing like what we discussed.  3 payments at my old mortgage payment and then a whopping balloon payment and then they might accept more payments.  (whopping lie)  Not at all what was discussed.  Nevertheless, we decided to make the mortgage payment by the due date March 25, 2010.

March 23, 2010 – off to the bank – purchase a treasurers check – off to the post office to “Overnight Express by noon March 24, 2010”   Received the “signed for confirmation from the post office”  we think all is good.  How wrong we were!!!!

April 1, 2010 – Amy calls me and states in her very bitchy tone – “We received the documents there is no check – this agreement is no longer any good.”    I lost it big time.  I mean how many lies and bull can you take before you go nuts? 

I have proof of purchase of the treasurers check – I have proof of delivery from the post office and I have a witness that watched me place all items in the envelope.  Amy does not care – she does not listen to anything.  Tells me to call my back to see if the check cleared.  I called her back – she gave me a wrong extension number (wtf) .  I found her and Renzy Birrage he’s the person that signed the letters.  I have left messages for them to call me back.  I bet they will not.  I emailed Larry Cole – he is the attorney for MetLIfe (aka Frist Horizon) I’ll bet he will not be bothered to respond.

What are they trying to pull now?  Are they that incompetent?  Are they just pure evil?  Do they think we are stupid?

I am not taking this anymore.  Contacted my attorney and I am going to fight them.  I want a judge to see the “HELL” they have put us though. I want every politician to understand that these financial institutions are not doing a damn thing to help homeowners.     

I am mad as HELL and I am not going to take it anymore.

More to come!

Foreclosure stopped – HopeNow is a scam, shame, no HOPE

Dear President Obama:

Just so you know – the homeowners out here are NOT being helped. 

Well I’ve been so busy trying to keep a roof over our head I did not have time to post.

I did manage to get the foreclosure stopped.  As I stated in my previous post I wrote to every one I could think of.  Today I am posting those names and how they responded to me.

1. HopeNow – aka AURITON SOLUTIONS  a Government Program set up by the Obama administration to help home owners in my situation.  This is the biggest scam of all.  Not only do they not help at all they are condensing and patronizing.  When I told my counselor I was going to write letters and  fax and send eMails and blog – Mr. Jacob Carlson told me that was NOT productive.  I needed to get the foreclosure stopped by First Horizon.  To concentrate on calling the weekly if necessary.  Not that I had weeks, in fact I only had days left.  He did male 1 (ONE) phone call – a three-way call with First Horizon – that was SO NOT productive.  Christine – she told us “Under Review”.  DO NOT WASTE YOUR TIME WITH HOPENOW – THERE IS NO HOPE USING THAT PROGRAM.  The counselor was to busying belittling me to offer any clear and constrictive help.

2. I sent a fax to First Horizon’s attorneys – the ones that sent me the foreclosure notice and printed our names in the local paper. Orlans/Moran located in Boston.  DID NOT HEAR FROM THEM.

3. Senator Scott Brown (MA) Heard from his office.  They sent a letter and followed up to let me know what was done.

4. Senator John Kerry (MA) Heard from his office.  They got in touch with the attorney for METLFE aka First Horizon. Mr Larry Cole – pretty much indicated that all this mess and delay was OUR fault.  I did sent him an email indicting that I was not taking the laying down – he did not see much success here.  Mindless brainless attorney.  I am not done with that man.  Funny how a senator staff member can get in touch with someone almost immediately and for 2+ years I could not.  Very telling First Horizon/Metlife .

5. Senator John Cornyn (TX) NO REPLY – NO ACKNOWLEDGEMENT.  First Horizon is located in Texas.

6. Senator Kay Baily Hutchinson (TX) – NO REPLY – NO ACKNOWLEDGEMENT.  First Horizon is located in Texas.

7. Senator Harry Reid (NV)  NO  REPLY – NO ACKNOWLEDGEMENT

8. Speaker Nancy Pelosi (CA) NO REPLY – NO ACKNOWLEDGEMENT

9. Leader John Boehner – NO REPLY – NO ACKNOWLEDGEMENT

10. State Senator Nikki Tsongas (MA) Sent a letter – and followed up.  Were not in any way encouraging – never heard of  First Horizon – that’s telling in itself.  Not much help but did attempt.

11. State Senator Susan Tucker (MA) NO REPLY – NO ACKNOWLEDGEMENT

12. State Senator David Torrisi (MA)NO REPLY – NO ACKNOWLEDGEMENT

13. State Rep Marty Meehan (MA) NO REPLY – NO ACKNOWLEDGEMENT

14. Gov Duvall Patrick (MA) (unexpected to hear from him) While his office did not send any letter or make any calls they did offer suggestions. Which were helpful.  A letter from his office would have also been helpful. His staffer sounded like she was 12 years old – she did not really have any concept of what a foreclosure was. 

15. Massachusetts Division of  Banks.  My first call – I was treated very badly a very nasty man who refused to give me his name.  My second call more productive – but the attitude of the workers is just astounding.  Very nasty.  So be prepared to feel like crap after.  They did sent a letter – they did follow-up with me. 

16. First Horizon – NO REPLY – NO ACKNOWLEDGEMENT

17. First American – NO REPLY – NO ACKNOWLEDGEMENT

18. MetLife – NO REPLY – NO ACKNOWLEDGEMENT

19. The White House – NO REPLY – NO ACKNOWLEDGEMENT

Contacted an Attorney – More to come on this saga.  

I will just say this –  all of those politicians that  NO REPLY – NO ACKNOWLEDGEMENT – will NOT be getting my vote.

If this helps one homeowner – then all this posting is worth it.

Today it was announced that President Obama is putting authorizing 14 BILLION in TARP to help home owners in trouble.  He tells us 1 in 4 home owners are in trouble.  I know that I won’t be getting any help – we are never that lucky – we are the hard-working citizens of this country.

The 14 Billion is suppose to be distributed as follows:

1. Unemployed – no problem – adjust the monthly payment for 6 months – if you are underwater – reduce the principal.

2. Anyone in trouble and underwater – banks will have an incentive to reduce the principal.

3. Current and underwater – reduce principle and make your mortgage FHA.

I swear to GOD – this was on CNN and FOX TODAY.  If you think that any citizen is going to be help – you are NUTS. 

It may not be all Obama’s fault here.  The banks are so greedy that they will NOT do anything to help any homeowner. 

I will post another day on what I finally received from Frist Horizon Home Loans – their way of  helping is criminal.  They are thieves and crooks – they have no intention of  helping.  Which is why we now have an attorney.

Keep fighting. Keep writing.

Is it any wonder why we “American Citizens” are anrgy at all our in power!!!

March 3 2010 count down to my foreclosure with First Horizon

I am sure many of you (to many) are facing what my family is going though.  How much bailout money do we give these incompetent financial fools before they actually start helping the home owners?  Well now, in the case of First Horizon (National) Home Loan they received  $866,540,00 from the taxpayers.  How much of that money helped any of you? Click on this link for more details on the bailout money:   http://bailout.propublica.org/main/list/index

We have lived in this home for 20+ years this is not a home we could not afford – this was not fraud – this was not a bubble.  We had a financial hardship.  We were able to correct this and have been struggling –  but making it.  We are not looking for the government to give us free money.  All we want and have wanted for over 2 years is to start making payments.

Those decision makes – isolate themselves from us.  Why?

All we can do is sit and wait. Are you like me calling over and over, sending the documents over and over?  Did you ever get to speak to anyone other than someone who only takes messages?  Are you told – whoops – we seem to be missing documents – so you fax, you mail and still they seemed to be missing those same documents you already sent 5 times?

Are you on the phone each week – for hours just waiting for someone to answer simple questions?  Do they talk to you like you are the lowest form of life?  Do you even have any diginity left after those calls.

Why are we not allowed to speak with anyone that has some knowledge of your situation? 

This week I have emailed and faxed – to the Governor, Senators,  Representatives, Pelosi, Reid, every Politian connected to my state including – The White House.  One can only Hope.  Speaking of  Hope – Hope for Homeowners – Hope Now – What a scam.   

I’ll be updating those I wrote to and those that responded.  I am going to hold them accountable – after all they all voted for bailouts and TRAP to help those big banks.  Those same politicians told all us home owners – they would make sure those banks were helping people keep their homes – so lets see what happens. 

Yes, Mr. Obama – you are accountable as well.   After all –  you are on my TV everyday saying the banks are helping the home owner.

Hello world!

Hello all!  Let’s talk Home Foreclosure.