Consumer Protection Or Not My Job And Pass-the-Buck

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I am very interested in hearing from people who have or are being harmed by these same dirty dealings as the couple being referred to in the following letter.

As of this posting, I took the liberty of sending a letter to different government agencies about a particular matter, which in my layman’s opinion, is ‘Predatory Lending Practices’ combined with ‘Misrepresentations’ and Manipulating the Legal System’.   Do you think I will get a response other than ‘mind your own business’?   Here is the letter and, I have redacted names to protect ‘legal process’ for the couple being harmed through this process:

Letter written by:  ANNA HOFFMASTER

March 17, 2015

…………………….., Consumer Services Specialist

PENNSYLVANIA DEPARTMENT OF BANKING

AND SECURITIES

17 North Second Street, Suite 1300

Harrisburg, PA 17101

 

RE: Is DIAMOND CREDIT UNION being allowed to operate business in Fort Worth, TX under or for COLONIAL SAVINGS, F.A. and both using address of 2626 W. Freeway, Fort Worth, TX 76102 and telling you truths?

Dear Ms. …………………,

Thank you for your previous responses to …………………………………….’s complaint filed with your department.

After reviewing your last response and reviewing the enclosures, it is clear that the question referenced, and referenced on the complaint, has been answered by the Office of the Comptroller of the Currency on December 19, 2014 which states: “OCC Customer Assistance Group responded that “Based on our research, we could not find any evidence that the above financial institutions are affiliated. Diamond Credit Union, headquartered in Pottstown, Pennsylvania, is a state credit union regulated by the Pennsylvania Department of Banking and the National Credit Union Administration (NCUA). Colonial Savings Bank, F.A., headquartered in Fort Worth, Texas, is regulated by the OCC. We do note that Colonial Savings operates a mortgage broker subsidiary under the name CU Members Mortgage”.

I am just an ordinary person, aware of the legal proceedings taking place and concerning my son, ………………………… and his finacé, …………………………..; however, I find it incredibly disturbing that lawyers who have multiple LLPs, a credit union, and a bank with multiple businesses can make a mockery of policies and procedures as well as the legal system. Copies are attached herewith, provided by ………………………….., to backup my claims; and, if anyone else would like copies they can contact you directly. Obviously, the copies sent before were not taken seriously.

It seems to me that the Department of Banking and Securities was formed to protect the consumer; make sure that the financial institutions were following policies and procedures. Why is it that you, or anyone reading this letter, make statements that they cannot do anything, with a particular ‘case’ because there is an attorney involved? Well, before you run with that question and a ‘pass the buck’ response, let me run this by you: a case may be in litigation but the facts that are public and brought to your attention should be addressed immediately. If, in fact, your department sees that a consumer is being harmed, I would think, it is the department’s responsibility, to intercede in some way, on behalf of the consumer, by communicating with the party’s attorney in finding out what other information there is and putting a halt to another consumer being harmed with the same ‘illegal tactics’. I believe it would fall under “violations of policies and procedures’. Most consumers do not have the money to stand up to these ‘deep pocket financial institutions’; and, therefore, the ‘deeper pockets’ will continue, like wolves in sheep clothing, to deceive the hardworking consumer and take what is not rightfully theirs.   So, I ask, what reason would you have not to act on this illegal practice when it is being brought to your attention and is now public knowledge? For example: Diamond Credit Union, 2626 W. Freeway, P.O. Box 2988, Fort Worth, Texas 76113 DOES NOT EXIST IN THE STATE OF TEXAS. This bogus entity is capable of using the mail to conduct its business, file lawsuits in other states and win Summary Judgments against the consumer. This address belongs to a bank with many businesses under it now. Is there something wrong with this picture? Don’t tell me that there is nothing you can do because there is an attorney involved! This is the same as saying, “NOT MY JOB!”

The complaint is clear of who the “plaintiff’ is, filed by PHELAN HALLINAN & SCHMNIEG, LLP. The original mortgage was for $214,000 with Diamond Credit Union at 9.500% interest, according to the Note; 9.585% according to the Truth-In-Lending Act form. On June 1, 2007, according to ……………….., Colonial Savings & Loan, the balance was $208, 269; monthly payments of $2,346.00; also, June 1, 2007 is the day that the first payment was due on their mortgage with Diamond Credit Union; and, according to the testimony of whoever PHELAN HALLINAN LLP represents, they paid for four (4) years totaling which is, according to my calculations $112,608 on what they thought was on loan #987654321 (which is indicated on the RESPA form as well); but, it was closed on April 1, 2007 according to Diamond Credit Union reporting to …………………….; and they thought they were paying to Diamond Credit Union. They were given a Notice of Right to Cancel at Settlement on April 9, 2007 and it was dated April 5, 2007. If they would have known what was going on then, they would have cancelled. They are, only now, seeing what had transpired over the years leading them to financial ruin, loss of the enjoyment of family vacations, and heartache, among other emotional stresses that have constantly caused them tensions to the point of affecting their health.

With the enclosures you sent them, from ………………, Debt Counseling Manager, Diamond Credit Union, I noticed that you had only gotten a first page of a letter, sent Certified Mail, dated November 14, 2011. The “Loan No.:” was blanked out. I have enclosed a copy of the 2 pages of that letter. Notice that the “Loan No.: 123456” is the same as reported to ………………… and is also used as Diamond Credit Union’s “Mortgage Loan Ending XXX76” for auditing with ………………………………….. LLP, CPAs and Balance is $208,269.87 ($0.87 more than reported to ……………… for Colonial Savings & Loan).

It is beyond my imagination that the judge is giving DIAMOND CREDIT UNION, 2626 W. Freeway, P.O. Box 2988, Fort Worth, Texas 76113 an Order, for Summary Judgment, granting Diamond Credit Union, (bogus address), $292,222.95 plus interest and other costs and charges!!

I think, and I am sure, that Diamond Credit Union based the loan on ………………………………’s Social Security Survivor checks for her and her 2 children until they turned 18 years of age, got a deal going with Colonial Savings, F.A. (or Colonial Savings & Loan or Colonial Savings) based on this fact, knowing that when her kids turned 18 years old, they would not be able to afford this loan. Both Colonial Savings & Loan or Colonial Savings, F.A. and Diamond Credit Union would be in a win-win position; and, especially based on a summation that they would be out of the property without any problems; then the credit union and bank(s), unknown investor could go and make some more money on this loan by pooling it as a Non Performing Loan with investors, whoever or whatever, avoiding the required filings with the Recorder of Deeds in the states of Pennsylvania and Texas. Who would be the wiser of how they are handling their business deals or investments? I have enclosed letters from Colonial Savings, Loss Mitigation Department, Colonial Savings, F.A. dated February 20, 2010, March 11, 2011 and October 22, 2011, plus emails denying us a modification and telling ……………… and ……………… that on behalf of an investor, unknown to them until this day, that they cannot do anything without the investor’s approval, that “Changing the terms to your Original Note is not an option at this time. Please continue to pay your payment as agreed.” Copies of these correspondences are attached.

It appears from documentation that Diamond Credit Union sold the mortgage and note to the Colonial Savings & Loan (or Colonial Savings, F.A.) for $5,731 less than what Diamond Credit Union has on the Mortgage and Note, way before …………….. and …………………….. were told that they even got the loan. Then they went to Closing on April 9, 2007 still not knowing that Diamond Credit Union and Colonial Savings made any type of deal with their ‘to be mortgage’. Anyway, what could they do about that since they did not know about it? Nothing!!

SUMMARY JUDGMENT IN FAVOR OF PLAINTIFF DIAMOND CREDIT UNION, 2626 W. Freeway, Fort Worth, TX 76102 The Court Order for Summary Judgment read: “NOW, this 16th day of September, 2014, upon consideration of Plaintiff’s Motion for Summary Judgment and Brief in Support thereof, and upon consideration of the Response filed by Defendants, and hearing argument, the Court determines that Plaintiff is entitled to Summary Judgment as a matter of law, and it is hereby: ORDERED and DECREED that an in rem judgment is entered in favor of Plaintiff and against Defendants, ………………………………………… and …………………………………………., for $292,222.95 plus interest from May 22, 2014 and other costs and charges collectible under the mortgage, for foreclosure and sale of the mortgaged property, and BY THE COURT: Signed by the Judge ………………………………. / Time Stamped 2014 SEP 17 P 3:32 / Filed of Record on September 26, 2014

(Kindly note that the Judge gives no reasons for granting this Summary Judgment.) A Summary Judgment given to an ENTITY THAT DOES NOT EXIST IN TEXAS at an address that does not even belong to this BOGUS ENTITY.

I am curious to know how you feel about homeowners losing their homes to these manipulations and misrepresentations by these financial institutions without really investigating what the little guy; the homeowners are trying to show you?

Kindly note that I am ……………………………………..’s mother, and I filed a complaint with the BBB in Texas about Colonial Savings, F.A. on March 7, 2015. Got a confirmation but have not heard anything to date. (See below) Also, there is an interesting article from Interthinx about Colonial Savings: http://insurancenewsnet.com/article.aspx?n=1&neID=200710102800.1_7c36003e988199ad#.VQbV-DpFDIV.

I do not expect you to discuss this with me. I do expect you, or anyone copied on this letter, to help …………. and ……………… more than you helped Diamond Credit Union of 2626 W. Freeway, P.O. Box 2988, Fort Worth, TX 76113 get a Summary Judgment against them. Thank you for your kind personal attention in this matter, I remain

Respectfully yours,

ANNA HOFFMASTER

Copies of attachments for …………….., Consumer Services Specialist, PENNSYLVANIA DEPARTMENT OF BANKING AND SECURITIES only:

-…………………….. Credit Report (1 page)

-Truth-In-Lending Disclosure Statement (2 pages)

-RESPA Servicing Disclosure – Lender: Diamond Credit Union   #987654321 (1 page)

-Handwritten, Certified letter, to Diamond Credit Union at 2626 W. Freeway, P.O. Box 2988, Fort Worth, Texas 76113 with copy of Return Receipt (2 pages)

-Act 91 Notice dated February 10, 2011 (5 pages)

-Copy of SS Survivor Benefit checks dated 02/01/08 each for $909.00 (1 page)

-Letters from Colonial Savings, Loss Mitigation Department, Colonial Savings, F.A. dated February 20, 2010; March 11, 2011; October 22, 2011 (3 pages total – 1 page for each letter)

-Emails between ……………. and …………………, Colonial Savings, November 23, 2010 and December 17, 2010 (3 pages total – 2 pages for November 23, 2010 and 1 page for December 17, 2010)

-Email from ……………………… to ………………….. at Colonial Savings, dated February 12, 2011 (1 page)

-Letter from ………………………………., Consumer Services Specialist, PENNSYLVANIA DEPARTMENT OF BANKING AND SECURITIES dated August 18, 2014 (2 pages)

-Letter from Diamond Credit Union to …………………, Consumer Services Specialist, PENNSYLVANIA DEPARTMENT OF BANKING AND SECURITIES dated August 13, 2014 (2 pages)

-Complaint in Mortgage Foreclosure; Diamond Credit Union, 2626 W. Freeway, P.O. Box 2988, Fort Worth, Texas 76113 vs. ………………………………; …………………………………..; CP, CIVIL DIVISION; NO. 12-4047; BERKS COUNTY, PA (6 pages)

-Letter from PHELAN HALLINAN & SCHMIEG, LLP dated November 14, 2012, Certified Mail; copy sent to …………………….., Consumer Services Specialist, PENNSYLVANIA DEPARTMENT OF BANKING AND SECURITIES (1 page) and copy sent to …………………………. and ………………………………. dated November 14, 2012, Certified Mail, from PHELAN HALLINAN & SCHMIEG, LLP. (2 pages)

-Attorney …………………………………’s Motion to Reinstate Movants Into the Mortgage Foreclosure Diversion Program and Motion for Sanctions (19 pages)

-Letter from PHELAN HALLINAN, LLP dated April 10, 2013 to ……………………….., Esquire requesting in chambers conference with Judge ………………………… with regards to the Motion for Sanctions and their Crossclaim for Damages (8 pages)

-Notice of Right to Cancel dated April 5, 2007, Loan number: 987654321, Lender: Diamond Credit Union, 1600 Medical Drive, Pottstown, PA 19464 (1 page)

-Uniform Residential Loan Application; Lender Case Number: 987654321; Amount $214,000.00; Interest Rate: 9.50000%; Interview: …………………; Diamond Credit Union, 1600 Medical Drive, Pottstown, PA 19464 (6 pages)

-Letter from National Credit Union Administration (NCUA), Office of Consumer Protection, dated July 16, 2014 (1 page)

-Order for Summary Judgment dated September 16, 2014; Complaint in Mortgage Foreclosure; Diamond Credit Union, 2626 W. Freeway, P.O. Box 2988, Fort Worth, Texas 76113 vs. ………………………….; …………………………………..; CP, CIVIL DIVISION; NO. 12-4047; BERKS COUNTY, PA (6 pages)

-Letter from Customer Assistance Group, Office of the Comptroller of the Currency dated December 19, 2014 (1 page)

-Sheriff’s Sale; Friday, February 6, 2015; Reading, PA (9 pages)

-Motion of Diamond Credit Union for Relief from Automatic Stay under §362 Pursuant to Bankruptcy Procedure Rule 4001 by PHELAN HALLINAN DIAMOND & JONES, LLP attorneys for Diamond Credit Union; BK. No. 15-10742 REF; Chapter No. 07; 11 U.S.C. §4001; ………………………………….., Esq. (Trustee), Respondents (Rescheduled to April 6, 2015) (4 pages)

 

Complaint to BBB:

BBB IN TEXAS March 13 2014

http://file-a-complaint.bbb.org/consumer-complaints/file-a-complaint/your-complaint/

COMPLAINT DESCRIPTION

I have proof that COLONIAL SAVINGS, F.A. and CU MEMBERS MORTGAGE SERVICES, 2626 West Freeway, P.O. Box 2988, Fort Worth, Texas 76113 and DIAMOND CREDIT UNION, 1600 Medical Drive, Pottstown, PA 19464 and their attorneys, Phelan Hallinan, LLP, Phelan Hallinan & Schmieg, LLP, PHELAN HALLINAN DIAMOND & JONES, LLP, 1617 JFK Boulevard, Suite 1400, One Penn Center Plaza, Philadelphia, PA 19103 think nothing of violating 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities, filing bogus lawsuits, (DIAMOND CREDIT UNION, 2626 West Freeway, P.O. Box 2988, Fort Worth, Texas 76113 vs …………………………. & ………………………………………; Complaint in Foreclosure; CP; Berks County, PA; Civil Div.; NO. 12-4047), and making a mockery of the legal system to their advantage and causing injury and damages to homeowners. Dec. 19, 2014 the OCC Customer Assistance Group responded that “Based on our research, we could not find any evidence that the above financial institutions are affiliated”.   In addition, they responded, “We do note that Colonial Savings operates a mortgage broker subsidiary under the name CU Members Mortgage”.

How would you like this matter resolved?

Other (requires explanation)

Desires Settlement Description:

Colonial Savings, F.A. and all the names and businesses it has under the name Colonial Savings or Colonial Savings F.A. be discredited with BBB because of the harm caused to homeowners by Colonial Savings, F.A. not granting modifications, predatory lending practices, and being foreclosed on in the midst of a chaos that they know how to create with misrepresentations, false promises, and denials to a point when a lawsuit in foreclosure would benefit them and not the homeowner.

Your complaint has been submitted

Thank you for submitting your complaint to us.

The BBB that will process your complaint is:

  • Better Business Bureau of Fort Worth & Tarrant County, Inc.
  • 1300 Summit Avenue, Suite 700
  • Fort Worth, TX 76102-5978
  • Phone: (817)332-7585
  • Fax: (817)882-0566
  • Email Address: info@fwbbb.org
  • Website: www.fortworth.bbb.orgWhat’s next?
  • Did you know BBB does more than just collect complaints? Use BBB to get news and tips concerning the marketplace. Or to find a great BBB Accredited Business.
  • You will hear from this BBB soon regarding your complaint.

Cc:

THOMAS J. CURRY, Comptroller of the Currency                                 Glenn E. Moyer, Secretary of Banking & Securities

Office of the Comptroller of the Currency                                                 PENNSYLVANIA DEPARTMENT OF BANKING

Constitution Center                                                                                        AND SECURITIES

400 7th Street SW,   Suite 3E-218                                                               17 North Second Street, Suite 1300

Washington, DC   20219                                                                                Harrisburg, PA 17101

 

Representative David Maloney, 130th Legislative District                     Senator Pat Toomey

46 E. Philadelphia Avenue                                                                             1150 Cedar Crest Blvd., Suite 101

Boyertown, PA 19512                                                                                       Allentown, PA 18103

 

National Credit Union Administration                                                       BUREAU OF CONSUMER PROTECTION

Office of Consumer Protection                                                                     15th Floor, Strawberry Square

1775 Duke Street                                                                                              Harrisburg, PA 17120

Alexandria, VA 22314

 

PENNSYLVANIA DEPARTMENT OF BANKING                        OFFICE OF THE COMPTROLLER OF THE CURRENCY

Market Square                                                                                      Customer Assistance Group

17th North Second Street, 13th Floor                                               1301 McKinney Street, Suite 3450

Harrisburg, PA 17101-2290                                                                Houston, TX 77010-9050

 

Pa. Attorney General Kathleen Kane

Pennsylvania Office of Attorney General

16th Floor, Strawberry Square

Harrisburg, PA 17120

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233


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WATCH OUT FOR THE SNAKES WANTING TO GET INTO YOUR POCKETS AND NEST IN YOUR HOME

Well, it seems that truth is falling on deaf ears so I decided to kick it up a notch.

I just do not like it when I see honest and hard working people being raped financially by financial institutions.  There are some financial institutions that do not participate in the pooling of NPLs (Non-Performing Loans) or loans that  are grouped together and sold.  A lot of these NPLs are due to the lender not granting a modification.  The lender will make quick money with pooling these NPLs.  Let’s face it, the big guys are not going to live forever!

Anyway, I just happened to notice that one financial institution had no bad reviews.  I know that someone made a complaint on them and it does not even show.  Well, I have made a complaint just as a concerned citizen for my brothers and sisters caught in this web of deceit.  I am hoping that the homeowners who are going through this will find strength in fighting back.  Many, many of these homeowners only want a modification or re-modification.  They do not want to move out of their long-term investment of the ‘American Dream’.  Unfortunately, in the process of trying to hold on to what they have, they are forced out.  Very devastating and embarrassing.  Believe it or not, these predator financial institutions ‘bank’ on this desperation to hurry their profits in by selling the NPLs, which also means that someone else will be the new owner of that Note and Mortgage.  Many times it will not be filed with your county Recorder of Deeds until the foreclosure process has been completed, usually without complications, because many homeowners do not answer the ‘Complaint in Foreclosure’.  Once the foreclosure is won, and this is usually by ‘default’, the recorded owner of the Note and Mortgage, not the unseen NEW OWNER, will file the necessary documents which will make it look like the NEW OWNER just bought the property.  Not always, but most of the time.  I am not a lawyer and just an every day people, but it seems to be a pattern.  Check it out for yourself.  Go to the courthouse and see who owns your Note and Mortgage.  It does not cost you to look because it is ‘Public Record’.  Then go home with your information and see who is servicing your mortgage/loan; and, be sure to check the account numbers, dates, names, addresses, and the most recent correspondences you may have received regarding your mortgage/loan.

Well, needless to say, I took the initiative to file the following complaint.  If anything looks familiar to you, like something you are experiencing or one of the names is involved in your situation, do not hesitate to act on it.  Start by filing your own complaint once you have all your details and papers in order.  Here it is, and it is all a matter of public record, with the Courthouses, states, counties and Better Business Bureau in Texas:

“I have proof that COLONIAL SAVINGS, F.A. and CU MEMBERS MORTGAGE SERVICES, 2626 West Freeway, P.O. Box 2988, Fort Worth, Texas 76113 and DIAMOND CREDIT UNION, 1600 Medical Drive, Pottstown, PA 19464 and their attorneys, Phelan Hallinan, LLP, Phelan Hallinan & Schmieg, LLP, PHELAN HALLINAN DIAMOND & JONES, LLP, 1617 JFK Boulevard, Suite 1400, One Penn Center Plaza, Philadelphia, PA 19103 think nothing of violating 18 Pa.C.S. Sec. 4904 relating to unsworn falsification to authorities, filing bogus lawsuits, (DIAMOND CREDIT UNION, 2626 West Freeway, P.O. Box 2988, Fort Worth, Texas 76113  -vs-  ………………………………….. & ……………………………..; Complaint in Foreclosure; CP; Berks County, PA; Civil Div.; NO. 12-4047), and making a mockery of the legal system to their advantage and causing injury and damages to homeowners.

Dec. 19, 2014 the OCC Customer Assistance Group responded that “Based on our research, we could not find any evidence that the above financial institutions are affiliated”.   In addition, they responded, “We do note that Colonial Savings operates a mortgage broker subsidiary under the name CU Members Mortgage”.”

Go the BBB website for Texas and look up ‘Colonial Savings’ and see how many are listed.  Pick the one that is Colonial Savings Bank, 2626 West Freeway, P.O. Box 2988, Fort Worth, Texas 76113.  Look at how many other businesses have been started by this bank.  Just makes it easier to create more confusion and pitfalls and snags for the trusting consumer to be caught and robbed.  I cannot sugar coat it.  It is what it is.  They are stealing by making it impossible for the consumer to keep their homes.  If foreclosures were on the decline, as the media would like us all to believe, the financial thieves would not be advertising as extravagantly as they do.

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233

 


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BEWARE – THEY WILL GET YOUR MONEY; STEAL YOUR DREAM – DIAMOND CREDIT UNION & COLONIAL SAVINGS, F.A.

If you are looking to find a lender to finance a mortgage for you, please research and take your time!  One of the first things they do, among others, is to plant the ‘rush seed’ into your searching and comparing rates period.  They will tell you that the interest rate is low and you have a limited time to accept it; it’s now or never; like within a few days, week, or even a month; and, they may even tell you to take your papers and leave if you think you can do better elsewhere.  If they stoop lower than they already do by telling you to take your papers and go, by all means, DO IT!!!   They already are figuring out, or already figured out, how they will steal your money and leave you homeless a few years down the road.  DO NOT FALL FOR THIS FIRST ATTACK ON YOUR INTELLIGENCE.

I am explaining this to whoever wants to listen and prevent hardship down the road or the possibility of losing their homes because of predators and fraudsters who do not give one hoot about you.  They only want your money.  Furthermore, before you sign the loan papers on a certain date, it is more than likely that your loan is already in the process of being sold, not recorded with your county, or has been sold and will transfer as soon as you walk out the door after signing those loan documents.  Yes, beware.  Some will tell you to just pay your mortgage payments and everything will be okay.  Well, 360 months down the road you may find out that the Note is still unpaid and does not belong to the one you were paying and thinking was the Note holder.

You think you would like to sign for a mortgage with a certain loan company, bank or crediting union.  Great!  Now comes the paperwork such as the Loan Application, the Notice of Right to Cancel, the Statement of Assets and Liabilities, Truth in Lending form, the Settlement Statement, the mortgage, and the Note; and, there might be other papers not mentioned here.  Well, remember that these papers have ‘fine print’ and percentages, payment amounts, beginning payment and ending payment dates.  It also has the name of the financial institution and its address.  On the RESPA Servicing Disclosure it will explain how they might service your loan, that is, collecting the monthly payments and whether or not they will transfer the loan servicing rights to another financial institution.  This form will also indicate on number 3, near bottom of the form, their record percentage of loans they transferred out for servicing by another financial institution, attorney, or collection agency.  All of these forms should contain the LOAN NUMBER for the financial institution your are getting the mortgage loan with.

Settlement (Closing) the Loan date has arrived.  Before you sign, and make it known that you are not in any hurry because you want to read everything.  Remember that you will be presented with a ‘Right to Cancel’ at the time of Closing which will give you THREE (3) DAYS FROM THE DATE OF CLOSING TO CHANGE YOUR MIND.

  • Make sure the interest rate is the same on the ‘Truth In Lending form, Note and Mortgage Loan.  It is fact that the Truth In Lending form could state 9.585% Interest and the Note could state 9.5% Interest.  That slight difference in the percentage with the .085% tacked on means more in money you will be paying out each month.  For example:  $1,000 x .095 = $95.00  $1,000 x .0985 = $95.85 and, this does not sound like much; but, times that $.85 by 360 payments and that would equal $306.00 at the end of that loan period that you will not see.  Better in your pocket than someone out to get your money.

In Pennsylvania the RESPA SERVICING DISCLOSURE is a very resourceful and informational document which you will be asked to sign acknowledging that you understand the contents of the form.  It will contain the lender’s name and address, the Mortgage Loan Account Number will be to the top right of the form; it will explain to you the ‘Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. Section 2601 et seq.) meaning that ‘YOU HAVE CERTAIN RIGHTS UNDER THE FEDERAL LAW’.  You should read this form in its entirety.  There are three (3) ‘SERVICING TRANSFER ESTIMATES’ listed.

  1. Will give you an estimate of will happen to the servicing of your mortgage loan;
  2. For the first lien mortgage loans it will estimate, after 12-month period, if it will or will not transfer servicing of your mortgage loan;
  3. The percentage of loans the financial institution has transferred for about three (3) years before your Closing date.

 

F A C T S

NOW, comes the names of two (2) financial institutions who are not to be trusted:  DIAMOND CREDIT UNION, headquartered in Pottstown, Pennsylvania, a STATE CHARTER CREDIT UNION regulated by the Pennsylvania Department of Banking.  They ARE NOT A FEDERALLY CHARTERED CREDIT UNION; per a letter dated July 16, 2014 from the National Credit Union Administration (NCUA), Office of Consumer Protection, 1775 Duke Street, Alexandria, VA  22314-3428; accordingly, a complaint regarding DIAMOND CREDIT UNION, 1600 Medical Drive, Pottstown, PA  19464 was then sent to PENNSYLVANIA DEPARTMENTY OF BANKING, Market Square, 17th North Second Street, 13th Floor, Harrisburg, PA  17101-2290.

  1. It is a fact that DIAMOND CREDIT UNION, by and through PHELAN HALLINAN & SCHMIEG, LLP (Philadelphia, Pennsylvania lawyers), attorneys who on Behalf of Colonial Savings, F.A., 2626 West Freeway, P.O. BOX 2988, Fort Worth, Texas 76113, and according to the ‘Notice of Intention to Foreclose Mortgage’ dated November 14, 2011, Loan number 574576, had filed a ‘Complaint in Foreclosure’ against a first-time home buyer and homeowner refinancing, and claimed that their business address is 2626 West Freeway, P.O. Box 2988, Fort Worth, Texas  76113.   The Complaint in Mortgage Foreclosure can be found, Public Record, at Berks County, Pennsylvania and the caption reads as follows:   DIAMOND CREDIT UNION, 2626 W. Freeway, P.O. Box 2988, Fort Worth, Texas 76113, Plaintiff VS. MICHELLE L. ZARECZY, KENNETH M. HOFFMASTER, …….PA, Defendants; Court of Common Pleas, Civil Division, NO. 12-4047, Berks County (Time-stamped Filed: 2012 MAR 14 A 11:28; BERKS COUNTY, PA, MARIANNE R. SUTTON, PROTHONOTARY.The Complaint in Mortgage Foreclosure is signed by Mario J. Hanyon, Esquire, PHELAN HALLINAN & SCHMIEG, LLP, Attorney for Plaintiff. The Verification attached to the Complaint in Foreclosure is signed by Cary W. Adams, Senior Vice-President, COLONIAL SAVINGS, F.A., dated February 15, 2012, referencing a file #280890, and the statement is made subject to the penalties of 18 Pa. C.S. Sec. 4904 relating to unsworn falsification to authorities.
  2. It is a fact that the address of:  COLONIAL SAVINGS, F.A. and CU MEMBERS MORTGAGE, A DIVISION OF COLONIAL SAVINGS, F.A. is 2626 West Freeway, P.O. Box 2988, Fort Worth, Texas 76113
  3. Correspondence received from the Office of the Comptroller of the Currency, dated December 19, 2014, RE: Case #: 03015531, DIAMOND CREDIT UNION, COLONIAL SAVINGS BANK, F.A., states that, “Based on our research, we could not find any evidence that the above financial institutions are affiliated. Diamond Credit Union, headquartered in Pottstown, Pennsylvania, is a state credit union regulated by the Pennsylvania Department of Banking and the National Credit Union Administration (NCUA). Colonial Savings Bank, F.A., headquartered in Fort Worth, Texas, is regulated by the OCC. We do note that Colonial Savings operates a mortgage broker subsidiary under the name CU Members Mortgage.” This is a response to Defendant’s, letter dated December 9, 2014, addressed to the Comptroller of the Currency.After receiving correspondence, dated December 19, 2014, from the Office of the Comptroller of the Currency, Defendant sent a ‘Certified Letter, Return Receipt Request’ addressed to DIAMOND CREDIT UNION, 2626 W. Freeway, Fort Worth, Texas 76113, Certified Mail Number: 7014 1820 0001 7271 7213 requesting that she receives “…copies of all papers/documents showing the transfer of this loan #460779001”. Loan number 460779001 is the loan number used by DIAMOND CREDIT UNION, 1600 Medical Drive, Pottstown, PA 19464 on a Mortgage and Note filed with the Recorder of Deeds, Berks County, PA. “Defendants received the ‘Return Receipt’, dated December 24, 2014, signed by a Manuel Acuna.”Defendant then wrote another letter to the Customer Assistance Group, Office of the Comptroller of the Currency, dated December 29, 2014, questioning their investigation stated in their letter, dated December 19, 2014, about DIAMOND CREDIT UNION, 2626 W. Freeway, Fort Worth, Texas 76113, asking “If what Customer Assistance Group states is correct, why would anyone accept and sign a Certified Letter, Return Receipt Requested, addressed to “DIAMOND CREDIT UNION”, 2626 W. Freeway, Fort Worth, Texas 76113? Also, if this is correct, how could Diamond Credit Union be allowed to file lawsuits using this very same address in other states?” A response has not been received as of the filing of this posting which is March 7, 2015.

Here is a copy of that letter (I have left out the names of the Defendants to protect their identities for this posting):

 

December 29, 2014

 

CUSTOMER ASSISTANCE GROUP

Office of the Comptroller of the Currency

1301 McKinney Street, Suite 3450

Houston, TX 77010-9050

 

THOMAS J. CURRY, Comptroller of the Currency

Office of the Comptroller of the Currency

Constitution Center

400 7th Street SW,   Suite 3E-218

Washington, DC   20219

 

KAREN BRYANT, Licensing Manager – OCC TEXAS, Southern District

Office of the Comptroller of the Currency

500 North Akard Street, Suite 1600

Dallas, TX 75201

 

GILBERT D. BARKER, Deputy Comptroller – OCC TEXAS, Southern District

Office of the Comptroller of the Currency

500 North Akard Street, Suite 1600

Dallas, TX 75201

 

MARK HOLDER, Assistant Deputy Comptroller – OCC TEXAS, Southern District

Office of the Comptroller of the Currency

9003 Airport Freeway, Suite 275

North Richland Hills, TX 76180

 

NATIONAL CREDIT UNION ADMINISTRATION (NCUA)

Office of Consumer Protection

1775 Duke Street

Alexandria, VA 22314-3428

 

PENNSYLVANIA DEPARTMENT OF BANKING

Market Square

17th North Second Street, 13th Floor

Harrisburg, PA 17101-2290

 

Richard A. Lebo, Agent Supervisor

OFFICE OF ATTORNEY GENERAL

Commonwealth of Pennsylvania

15th Floor, Strawberry Square

Harrisburg, PA 17120

Re: BCP-14-05-036166

 

RE: Is DIAMOND CREDIT UNION being allowed to operate business in Fort Worth, TX under or for COLONIAL SAVINGS, F.A. and both using address of 2626 W. Freeway, Fort Worth, TX 76102?

 

Dear Sirs and Madams,

 

I want to thank Customer Assistance Group, OCC, Houston, Texas for responding to my letter dated December 9, 2014 with respect to the above referenced matter. Also, I want to thank you in advance for your time in reviewing this correspondence regarding OCC Case#03015531.

 

OCC Customer Assistance Group responded that “Based on our research, we could not find any evidence that the above financial institutions are affiliated”.   In addition, they responded, “We do note that Colonial Savings operates a mortgage broker subsidiary under the name CU Members Mortgage”.

 

Again, I would like to know if Diamond Credit Union is allowed to operate business in Fort Worth, Texas” at the address 2626 W. Freeway, Fort Worth, Texas 76102 or 2626 W. Freeway, Fort Worth, Texas 76113? The address I have for Colonial Savings, F.A. is 2626 W. Freeway, Fort Worth, Texas 76102.

 

If what Customer Assistance Group states is correct, why would anyone accept and sign a Certified Letter, Return Receipt Requested, addressed to “DIAMOND CREDIT UNION”, 2626 W. Freeway, Fort Worth, Texas 76113? Also, if this is correct, how could Diamond Credit Union be allowed to file lawsuits using this very same address in other states?

 

Attached please find copies of the envelope, letter and returned Receipt Request signed by Manuel Acuna on December 24, 2014. I can only assume that Mr. Acuna has some authority or is “affiliated” with Diamond Credit Union, headquartered in Pottstown, Pennsylvania but operating in Fort Worth, Texas at the address on the “Certified Letter”.

 

Looking forward to your reply, I remain

Very truly yours,

 

This particular case is one upon which the Mortgage Loan was granted based on Social Security Survivor Benefits which DIAMOND CREDIT UNION, 1600 Medical Drive, Pottstown, PA  19464 would end when the youngest turned 18 years of age in 2014; however, the older of the 2 children’s benefits was to end in 2011 which was a major decrease in income for a 9.585% mortgage with monthly mortgage payments of $2,346.65; which the Defendants paid for four (4) years; that is, until the loss of income and constant denial by an “UNKNOWN INVESTOR” for ‘Loss Mitigation’ or ‘Modification/Re-modification’.

They knew exactly what they were doing in setting this couple up, just like they are and have been doing to other homeowners.  Note the following: DIAMOND CREDIT UNION, assigned this couple a Mortgage LOAN NUMBER: 460779001, (before they knew they were even approved and before their Closing Date of April 9, 2007, which is even before their Notice of Cancellation dated April 9, 2007 was allegedly signed), OPENED and CLOSED ON APRIL 1, 2007,)  PER CREDIT REPORTING SERVICE INFORMATION.  What?  You do not think this makes sense?  Good for DIAMOND CREDIT UNION and COLONIAL SAVINGS, F.A.!!  This is how they do things!!  It causes mass confusion and now with ‘Electronic Filings’…the WORLD IS THEIR OYSTER.    NOW, COLONIAL SAVINGS, F.A. OPENS a Mortgage LOAN NUMBER: 574576 on June 01, 2007, PER CREDIT REPORTING SERVICE INFORMATION.  This couple did not find this out until 2014.

It is very IMPORTANT that you look every piece of paper they want you to sign, scrutinize the heck out if them, take time and, yes, you can make demands for changes because, after all, you are borrowing the money and are paying it back and you are paying for something you are looking to keep.  You don’t want to have it stolen out from under you because of their misrepresentations and dirty tactics!!

 


I was just surfing the internet just the other night and found this:  http://www.gobankingrates.com/banking/financial-institutions/diamond-credit-union/

“About Diamond Credit Union

Diamond Credit Union is a Pennsylvania state-chartered and federally-insured credit union serving Berks County and the Tri-County Region by offering low cost financial services with world class service since 1947. As a not-for-profit financial cooperative, it is owned and operated by its members. With over $400 million in assets and over 45,000 members, Diamond is one of the area’s largest member-owned credit unions. Diamond’s field of membership includes anyone who lives, works, worships, regularly conducts business, or attends school in Berks County and the Pottstown Area. Members enjoy the convenience of access to 4 local branches as well as over 50,000 no-fee ATMs nationwide. ”

Maybe, I am not understanding how DIAMOND CREDIT UNION is federally insured if they are ‘state chartered credit union; regulated by the Pennsylvania Department of Banking, over 45,000 members, Diamond is one of the area’s largest member-owned credit unions?

Colonial Savings, F.A. and their attorneys, now PHELAN HALLINAN DIAMOND & JONES, LLP and just a few months ago were PHELAN HALLINAN & SCHMIEG, LLP On Behalf of Colonial Savings, F.A. but, in creating the confusion, had to represent Diamond Credit Union as well, KNOWINGLY USING THE NAME OF DIAMOND CREDIT UNION at 2626 WEST FREEWAY, P.O. BOX 2988, FORT WORTH, TEXAS 76113 which DOES NOT EXIST IN THE STATE OF TEXAS per a letter, dated December 19, 2014, from the Comptroller of the Currency, 1301 McKinney Street, Suite 3450, Houston, Texas 77010-9050 which states that, “Based on our research, we could not find any evidence that the above financial institutions are affiliated. Diamond Credit Union, headquartered in Pottstown, Pennsylvania, is a state credit union regulated by the Pennsylvania Department of Banking and the National Credit Union Administration (NCUA). Colonial Savings Bank, F.A., headquartered in Fort Worth, Texas, is regulated by the OCC. We do note that Colonial Savings operates a mortgage broker subsidiary under the name CU Members Mortgage.”

If they lie and cause confusion at this level, you cannot imagine what these financial institutions will do to you the moment you fall into hardship.  They have deeper pockets than us hardworking middle class and will not think twice about you being homeless and losing your American Dream.

If you or someone you know is experiencing a problem with a mortgage connected with either one of these financial institutions, I would like very much to hear from you.  I want people to know how the financial institutions are stealing from the people, starting with these two (2) first; and, getting away with it!!!

I have a book on Amazon, for Kindle, “FORECLOSURE FRAUD — FORECLOSED DREAM” which explains what this family is going through under these predators and fraudsters.  It explains how they got hooked into a very high interest rate and monthly mortgage payments of over $2,300 a month; the female for refinancing and the male, her fiancé, a first-time home buyer.  There will be another book which will be starting at the Bankruptcy level because the lower court believes the lies and narrow minded way of thinking that ‘SOMEONE HAS TO PAY”!

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233

 


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The Sequel to FORECLOSURE FRAUD–FORECLOSED DREAM

http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Daps&field-keywords=foreclosure+fraud+-+foreclosed+dream

The sequel to this book is going to have some interesting twists and turns.  One unexpected event just happened this week; and, if it were not for the quick thinking of Providence, the sequel would have been the ending, last chapter, of ‘Foreclosure Fraud – Foreclosed Dream’.

Yes, there were some weird events that happened about a week before this last court date, and some very strange events during the night before the court date.  Tempers flaring and slacking on the part of an individual who should have been on top of everything, especially when they are paid to do so!

 

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233

 


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FORECLOSURE FRAUD – FORECLOSED DREAM (Based on real events now on Amazon/Kindle)

My book is now available on Amazon Kindle for $4.99

I changed the title and cover to my book to: ‘Foreclosure Fraud – Foreclosed Dream’ and it is available on Amazon but, for some reason it still has the old book cover. Just click the image and you will see the new cover. Here is the link:

http://www.amazon.com/FORECLOSURE-FRAUD-FORECLOSED-Anna-Hoffmaster-ebook/dp/B00TFNSLUY/ref=sr_1_4?ie=UTF8&qid=1424123415&sr=8-4&keywords=foreclosure+fraud

I took the liberty of writing a book about a credit union and bank and a couple unfortunately getting caught-up in a scam, which investors, judges, attorneys, etc. will just chant out, ‘Well, this is just the way it is done.”.  Or, ‘somebody has to pay’ has become another favorite line.  It is sad how they are getting away with it at the expense of honest, hardworking, homeowner!

Here is an excerpt from the Prologue of my book:

PROLOGUE

A young couple embarked on a journey of love, purchasing their dream house, and raising their children together. Sounds like any other couple, no big deal, that is, until the American economy took a nosedive and their lives took a dramatic turn. Then they find out that their mother is losing her home to foreclosure and let her move in with them. Their dream house became a financial burden and no matter whom they talked to or what they tried to do, no one would listen and no one wanted to help them save their home. No one would acknowledge or take ownership of the misrepresentations and miscommunications. They will do everything in their power, legally, to expose the wrongs being done against them, until whenever they are evicted or choose to leave on their own.

The names of people and entities have been changed to protect everyone involved; but, for you, their story might help you, from their personal experience, the steps to take when you are served with a Complaint in Foreclosure or, if you are facing the possibility of foreclosure, how to find out why you were not able to obtain a modification or re-modification to stop your foreclosure before it is too late to do anything. There are many wolves in sheep clothing just waiting for prey.

The quotes from letters, emails, and phone calls are true and correct copies of the originals but the names were changed to protect those involved and upcoming litigation. If you find something in this book that will help you or someone you know facing foreclosure, please do not hesitate using it. We can only hope it will help; but, remember that we are not attorneys and cannot offer any legal advice. This book is being written to enlighten you to the emotional upheaval that one suffers and the lies and misrepresentations that you should be aware of. In this situation, the couple found out that their home was collateral already used to some investor’s benefit and that they money they invested into it was going to be lost, as if they tossed it to the wind.

 

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233

 


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HAVE YOU SEEN DIAMOND CREDIT UNION ON ‘RIP OFF REPORT’ WEBSITE? CHECK OUT Report: #1202959

The Ripoff Report website is a very resourceful place to find out who is bad business.

There is a Sheriff Sales scheduled for February  6, 2015 and incase you didn’t see this report, here it is…..

I believe, and documents show, that I have been the victim of a predatory loan and/or fraud. Then in 2011, a representative from CU MEMBERS MORTGAGE, a division of COLONIAL SAVINGS, F.A., servicers of the loan we have with DIAMOND CREDIT UNION in Pennsylvania, called me about paying the amount due.  In the course of the conversation, he stated that I should have never gotten this loan and that I could not afford it.  I believe, and documents  show, that I have been the victim of a predatory loan and/or fraud. Long story short, Diamond Credit Union, 2626 W. Freeway, P.O. Box 2988, Fort Worth, Texas 76113 filed a Complaint in Mortgage Foreclosure.  The ‘Verification’ which is attached to the complaint is signed by Cary W. Adams, Senior Vice-President, Colonial Savings, F.A.  The thing is, there is no Diamond Credit Union in Fort Worth, Texas; but, there is a Colonial Savings, F.A. at that address.  Needless to say, the Common Pleas Court found in favor of Diamond Credit Union in Fort Worth, Texas. Facts:  Applied for a loan of $214,000.00 with Diamond Credit Union, 1600 Medical Drive, Pottstown, PA 19464 on or about April 1, 2007. Received Notice of Right to Cancel on April 5, 2007 and believed that I did sign a Mortgage with Diamond Credit Union, Pottstown, PA on April 9, 2007 On April 1, 2007 Diamond Credit Union Closed the Loan I was getting, Conventional Real Estate Loan including Purchase Money First.  (That is correct what you are seeing!  I had a loan # which was ‘CLOSED’ before I got the Notice of Right to Cancel on April 5, 2007 and before I signed any alleged Mortgage papers on April 9, 2007). On April 18, 2007, a Mortgage was recorded in Berks County, Pennsylvania stating that Diamond Credit Union, Pottstown, PA 19464 is the owner of the Mortgage I supposedly signed for; and, it still is the same to this date of this report.  There has been no recorded transfers, yet the suit is filed, not amended, that Diamond Credit Union, On June 1, 2007, Diamond Credit Union in Pottstown, PA transferred this Mortgage to Colonial Saving, F.A.; Conventional Real Estate Loan including Purchase Money First. September 7, 2007, a ‘Mortgage Loan History belonging to Colonial Savings, P.O. 2988, Fort Worth, Texas 76113 which indicates no date but a beginning Principal Balance of $213,673.27; and shows first payment being September 7, 2007 of $2,310.00; Escrow being $510.57;  Escrow Balance being $510.57; Interest listed as $1,691.58; Principal listed as $107.85; Principal Balance of $213,565.42; Optional Insurance is $0.00; Late Fees listed as $0.00; and unapplied Funds or Miscellaneous Fees being $0.00.  Noted on this Mortgage Loan History is a date of 12/31/2007. In 2011 there was a loss of income and Survivor Benefits.  CU MEMBERS (Colonial Savings founded this Credit Union) sent me the notice to apply for a modification which I did; however, I was told that the investor refused any recommendations for modification and that Diamond Credit Union is a private members credit union and they are not subject to federal re-modification mandates. Presently, a Summary Judgement was enter based on bogus information which is very evident.  I am being forced to move and have to claim bankruptcy. It upsets me to know that I am not the only one this is happening to.  Unfortunately, their pockets are deeper (thanks to us who they trample on) and I cannot afford an attorney to fight and expose them for the injustices and crimes they are committing against the ‘consumer’. I would like very much to hear from others who are going through this same injustice. I have proof of everything I stated here and it is a matter of public record but they are still allowed to continue this illegal activity. By the way, they are both ‘Black Listed on the MERS website’ as well.

 

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233


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WHEN HOMEOWNERS BECOME SQUATTERS

With the increased fraud financial institutions are committing on homeowners over the years, especially with those homeowners who are trying desperately to workout a payment arrangement comparable with todays economy, homeowners are forced to take drastic measures to bring the fraud to the judicial systems attention.

Check this out:

 

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233


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SIGNATURES, SIGNATURES! IS THAT YOUR SIGNATURE?

It is very disturbing, to me, that electronic filings will now be the wave of the future, especially with sensitive documents such as mortgages, loans, notes, affidavits and agreements, etc.  Fraud will be rampant, I would think, to say the least.

Check out this video…….

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233


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FORECLOSURE FRAUD BOMBSHELL – THOUSANDS OF PENNSYLVANIA FORECLOSURES COULD BE VOID

You may have already been foreclosed on and think that is the end of it.  It is if you have moved on and are now enjoying the benefits of being set free from a fraudulent home loan/mortgage; but, what about you who are still suffering the effects of the misrepresentations and bogus signatures that have tightened that noose and brought you to total submission.  You have or are going to lose the one thing you are fighting so hard to keep and no one is listening to you.  “It is illegal!”, you say.  The Court just wants you gone and case closed!  What should you do?

Well, I am hoping to bring you other cases and pleadings you can use to help yourself as well as attorneys who will be more than willing to help.

http://4closurefraud.org/2010/12/03/foreclosure-fraud-bombshell-thousands-of-pennsylvania-foreclosures-could-be-void/

 

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233


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PNC Bank in PA Foreclosing on Wrong House in Pierce County, Washington

Seems that Pennsylvania Financial Institutions, such as banks and credit unions, are making some big decisions in other states without facts or by using bogus addresses in other states to achieve their means.  Check out this video:

http://www.king5.com/story/news/local/2015/01/13/foreclosure-pnc-pierce-county/21720503/

 

PLEASE BE SURE TO CHECK OUT THE OTHER POSTS IN “FORECLOSURE BLAST”.  THANK YOU.

Also, check out my eBook on Kindle……Foreclosure Fraud – Foreclosed Dream

http://www.amazon.com/s/ref=nb_sb_ss_c_0_15?url=search-alias%3Ddigital-text&field-keywords=anna%20hoffmaster&sprefix=anna+hoffmaster%2Caps%2C233

 


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