Your Questions About Check My Mortgage Application

Sharon asks…

My mortgage company illegally foreclosed and sold my home. With the help of Fannie Mae. They have been trying?

To since ’07 when they didn’t pay our taxes that cost us penalties we were supposed to be reimbursed for a couple hundred dollars. I have evidence of money they stole and gave to their attorney after we already paid him. Their are payments taken. They misused our money we had thousands in escrow they used for taxes and for Fannie Mae to use to get my home from courthouse. There never was a sheriff sale! We were never notified of when sale would be because we paid the banks attorney he was supposed to get papers out of court. There are wire transfers not accounted for. They acted like they were trying to help gave me making homes affordable application and purposely left out paperwork. We built and paid for our home for 18yrs. Their attorney left out 1/2 of our deed we have the right of first refusal (my in laws) it was their land they never had in there paperwork all involved right down to realtor knew of the problems before the fraudulent sale. The fraud buyer also knew it was stolen he fraud his bank by allowing them to believe the deed was clear CUX it’s not. There is so so so much more I can’t find help!! I want to go home it was taken and belongs to us BUT CAN’T FIND HELP I HAVE ALL PROOF IM NOT JUST SAYING I HAVE COPIES OF CASHED CHECKS COPIES OF FAXES AND CHECK TO ATtorney. THAT CAME FROM OUR ACCOUNT ECT. I HAVE IT ALL WHERE CAN WE GO. Help please this split my beautiful family up, mom, dad, and our 3 boys! They need more than a slap on wrist it’s time to start making them be held responsible for what they have done.! We did nothing to deserve this. If they didn’t steal our money we never would have been behind, they caused it they also at the end with several thousand dollars of ours escrowed took that. Everything in our home was stolen we had it all now I’m mid. Aged and have nothing because of greed. I refuse to be forced to start over our life was set and going well now we have no future!! Not fair!!!!!
Well of course I would know if my taxes were included in my loan agreement, after all I was with this bank for 18yrs. They paid for them for all the previous years, this just so happened to be the same year our mailing address was somehow changed from this bank, we weren’t receiving letters or getting things late from them. It was the same year Fannie Mae did a military check on us, only because if you were in military they can’t take your home. And as far as the attorney the money was ours sent back to us from overpayment that we gave the bank to make the payment for us, they sent it but didn’t bother to tell us we received almost the whole thing back. I’ve shown the copy of a fax that the attorney sent to bank and the copy of the check they cut him the very next day they all said it didn’t belong to him. I’ve been in dispute with the bank about money (payments missing) since ’07 when I received a call from bank stating we had extra money only to have that to disappear. They refus
Also my home never went through a sheriff sale never!! The courthouse told me it didn’t.

admin answers:

Your posting is incoherent. See an attorney.

Helen asks…

Where to report a mortgage lender practicing deceptive/dishonest methods to sell a re-fi?

Check this out ,
I looked into a re-fi, based on the loan officers assertion that I would “save a thousand dollars a year in interest” I proceeded with the loan application.

After reviewing the numbers , I discovered that though close to a wash , the re-fi would actually cost me a few thousand more than staying with my existing loan !

I reviewed and canceled in less than 24 hrs, but the bastards are trying to stick me with a $500.00 cancellation fee !

So where do I report them ?
1st, I signed nothing
2nd The call was recorded.
3rd There would not have been a GFE to review w/o the apllication which generated it.
It’s an out of state bank
I’m in California,,, The bank Tenn.

admin answers:

You don’t. The only thing you have to go by is the written loan papers. If THOSE are incorrect, the State Banking Commission might be an option. But anything told to you verbally is unsupported, so there is no proof they said it, and therefore no complaint.

You should have reviewed the information BEFORE signing, not after. That would have avoided the cancellation fee.

Laura asks…

I submitted ILR application in 2007 still waiting there is no estimate time when it Will be processed?

In 2007 the Home office have outstanding cases to resolve. It will be resolved by with in the next 5 years but there is no specif time . now we are in mid 2012. ( I came in 1994 when I was 15 , initially I was given the 6 month SAL paper and after it expired it was renewed for another 6 month. Afterwords the Home office left it open case until I was 18 then the the Home office refused my case . I made 1st appeal in 1998 it was not successful , 2nd time my solicitor has not submitted my case so i lost the chance in 2001 i was give for 1 year Leave to remain under the Human rights court ,after it expired i was invited the interview and given Limited Leave Remain for 3 years and that expired in 2007 . I have applied for Indefinite Leave to Remain. I have spent most of my formative life in UK .I went to school, collage university. ( have paid my fees as I was not qualified for a grant and it took me 4 years to finish as i have studied in part time . In 2002 ,I graduated from University and I have been working since over the past 9 years . I am a good Citizen. In January 2012 – the Home office requested a confirmation of my current address subject to security check I will granted leave to remain. but there is no joy . all the so called Legacy cases are processed in Liverpool and are contactable ONLY VIA LETTER .. No telephone number to contact the case worker or customer service. IT is very stressful. Because i do not have an ID I am finding it hard on my daily life activity. ie to find work most of companies and recruitment Agency they wanted a passport or a work permit visa .. I have sent a gentle reminder to the immigration if the case workers to Speed up the process. could please advise me. not because i find because, i can not get a my driving licence from DV LA because I DV LA need a passport or a travel card to process a provisional driving licence. I can not open a bank because ID. I wanted to continue to gain a Professional Qualification . CFA Financial Analyst for exam i need a valid passport .Since 2007 have waited patiently. Now I feel or treated unfairly and I am extremely stressed . I can not buy a house or mortgage. What actions I can take ? is there any higher authority like OMBUDSMEN for immigration matter. How ,What , I can do so they can see my case. Please advise me !
thanks

Additional Details

I have applied for the Indefinite Leave to Remain in March 2007 on the long residency and the reply i Had from the Home office (IND ) had a legacy of some 400,000 to 450,000 case records and that the aim would be to clear them with in 5 years . – IND cannot give any indication . now is mid 2012 and still i am waiting so is there any different avenue to approach Home office to Speed up the process . and How can be done ? my solicitor kept saying just waite and i am extremely stressed it is affecting me to find work because employers wanted to see a Passport ?
Thank you Andy for advise it is very helpful
I would like to highlight few points.

Originally , I am form Eritrea East Africa. I came as refugee when i was 15 years old because there was a political issue

Employment :
To register with a recruitment agency / companies up on interview they request
To comply with the Asylum and Immigration Act 1996, please bring with you:
•Proof of Identification and eligibility to work in the UK – Passport with relevant work permits/visas

the nature of work they require I work in the finance industry up to the management level there for a Passport is needed also most of the companies i was involve they are international companies so travelling between 25 % to 50 % with the US / Europe or India is required ……..

In addition I wanted to study CFA Financial Analysis Associates. I wasn’t able to to take the exam because they need a valid Passoprt.

For DV LA – They need a passport or a travel document to process. ( I have submitted all

admin answers:

Previous advice to re-apply under the long residence rules (14 years)
is still the fastest course of action.

In all your (non immigration issue) comments, what I don’t understand is:
– what your nationality is
– why you cannot get a passport from that embassy (and therefore confirm your ID)
– how/what reason you came to the UK in the first place
– why your first ILR was turned down (which is why the next appeals etc are taking so long), without knowing that reason – and if you have ‘solved’ that problem/reason no one can comment really.

Employment:
What is your current status (last status before appeal – as it continues)
What employers need to see is proof of permission to work, that does not mean a passport, but yes certainly documentation from a source that can be trusted. A letter from your legal support would be a start, as would UKBA a letter etc.

Banks:
yes they need ID, but does not have to be a passport
You should be able to start with even a ‘basic’ bank account and work up from there.
Http://www.fsa.gov.uk/pubs/consumer-research/crpr51.pdf – basic bank accounts

The FSA rules (I know banks do not always want to listen – but appeal upwards to managers and head office – or try somewhere like the Co-op bank) say that they must use alternate ID if the standard/ typical ones are not available.
Http://www.fsa.gov.uk/pubs/consumer_info/know_your_rights_guide.pdf – see pages 6 & 7 on ID

Search more for “identity how to prove” at
http://www.fsa.gov.uk/

And as I understood it,
http://www.direct.gov.uk/en/Motoring/DriverLicensing/NeedANewOrUpdatedLicence/DG_4022091
DVLA did not need a passport, even an NI number was adequate (which as you have worked you must have) plus proof of address and someone signing your photo/ confirming your ID – not a passport (not everyone in UK has a passport and esp not at 17 years old).
But yes, it may be tougher than it used to be.

A statement of your ID from your legal assistance perhaps ?

You can appeal to the FSA that the bank is being unreasonable.
Http://www.fsa.gov.uk/consumerinformation/if_things_go_wrong

I trust that a (OISC) registered lawyer is helping you still (perhaps not the one who mis-handled your case !)
http://oisc.homeoffice.gov.uk/ – OISC

James asks…

I have submitted my application for Indefinite leave to remain. the home office told me that , the?

in 2007 the Home office have outstanding cases to resolve. It will be resolved by with in the next 5 years but there is no specif time now we are in mid 2012 . .( I came in 1994 when i was 15 and i was given the 6 moth SAL paper and after it expired it was renewed for another 6 month and after the Home office left it open case until i was 18 they they have refused my case . I made 1st appeal in 1998 it was not successful , 2nd time my solicitor has not submitted my case so i lost the chance in 2001 i was give for 1 year Leave to remain under the Human rights court ,after it expired i was invited the interview and given Limited Leave Remain for 3 years and that expired in 2007 . I have applied for Indefinite Leave to Remain. I have spent most of my formative life in UK .I went to school, collage university. 2002 I have graduated from university and I have been working since over the past 9 years . I am a good Citizen .In January 2012 they have requested a confirmation of my current address subject to security check i will granted leave to remain. but there is no joy . because i do not have an ID i am finding it hard on my daily life activity. ie to find work most of companies and recruitment Agency they wanted a passport or a work permit visa .. I have sent a gentle reminder to the immigration if the case workers to Speed up the process. could please advise me. not because i find because, i can not get a my driving licence from DV LA because I DV LA a passport , I can not open a bank because ID. I wanted to continue to gain a Professional Qualification . CFA Financial Analyst an exam i need a valid passport .Since 2007 have waited patiently. Now I feel or treated unfairly and I am extremely stressed . I can not buy a house or mortgage. What actions I can take ? is there any higher authority like OMBUDSMEN for immigration matter. How ,What , I can do so they can see my case. Please advise me !
thanks
Thank you Maggie for your advise. I have applied for the ILR in March 2007 on the long residency and the reply i Had from the Home office (IND ) had a legacy of some 400,000 to 450,000 case records and that the aim would be to clear them with in 5 years . – IND cannot give any indication . now is mid 2012 and still i am waiting so is there any different avenue to approach Home office to Speed up the process . and How can be done ? my solicitor kept saying just waite and i am extremely stressed it is affecting me to find work because employers wanted to see a Passport ?

admin answers:

You almost certainly now qualify for ILR under the long residence rule unless at some point a removal notice was served. Ask your solicitor to contact UKBA for the return of your documents and reapply under long residence.
Http://www.ukba.homeoffice.gov.uk/sitecontent/documents/policyandlaw/modernised/other-categories/long-residence.pdf?view=Binary

Ruth asks…

Can landlord run credit check without signed privacy disclosure?

recently applied for new house for rent. Application is basic in nature from the 1990’s. In social security number area I entered available upon formal request. There is no language whatsoever stating there may be a credit/background, or employment verification. He also requested copy of my paystubs, so i sent this along with w2.

He is a real estate agent/loan officer for a mortgage company. he took my social off of my stub and ran a hard pull on CREDCO three bureau score I believe.

I am sooooooo mad right now, and pretty sure I am right, that this is against the rules, so to speak.

Thanks! In wisconsin if it matters.

admin answers:

Every landlord will run a credit check on you.
The fact that he did it without your permission could be illegal.
But you would have had to give it to him anyway – eventually.
There is no way he can accept you without checking your reports.
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