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1. [...] It took nearly 13 months and a change in administration, but Florida’s Attorney General’s Office has finally issued an official consumer advisory warning Floridians of common mortgage fraud scams. Back in January of 2006–as evidenced by this blog entry, I sent a letter to each and every states’ Attorney General warning of the growing problems associated with real estate and mortgage fraud. Last Friday, Florida’s recently elected Attorney General, Bill McCollum, revealed that mortgage fraud-related scams are included among the top ten categories of complaints received by his office over the last 12 months, and encouraged residents to be aware of scams and fraud aimed at Florida homeowners. [...]

   Pingback by Real Estate Fraud | Mortgage Fraud | Flipping Schemes — February 12, 2007 @ 12:14 am

2. Regarding a nation wide story on Predatory Lending
   From: Nick Ramirez April 18 2007
   227 Central Ave.
   Alameda, CA 94501

   To whom it may concern
   NOW I NEED HELP I HAVE NOT WATER OR GAS NO MONEY OR FOOD I HAVE TO WAIT.
   15 to 20 day because AMC has to investigate. Were is the support I have been rob and damage
   Thank you for the support to the ones that responded to my letters for help. But some how it seems that my hard work has paid off. There seems to be big issues of accounts which the events have occurred while refinancing my home with Ms. Shelly Poe, broker of Pinnacle Finance, Of San Jose ca. and AMC mortgage and reasons for declaring my home loan invalid.
   All the time and effort I put in to get rid of these issues seems to have been for nothing. Talking about my creditworthy and the financial mess and the stress and pain that my family and I have been put though. I just wanted to take a moment to make a comment about the professionals and the lack of services [That I have experience with the respect of all the professionalism and I do mean with respect.
   This is a true story I have been asking for help for 11, months from Equifax and Experian, TransUnon.
   I have provided all of the research and provided everything that your company has requested; I informed this company’s with letters of confirmation copies of checks. I called I faxed, mailed & e-mailed. I have written about 2000 letters or more. I Paid for nine of there online monitor’s services to help me fix there errors and inaccuracy on my credit report.. I never received the support that I was entitled to by the customer service staff nor did I get help. Your system did not work.
   Starting with the broker Ms. Shelly Poe told me she promised to help me correct the errors that were on my credit report. . . In Oct 2005 Ms. Shelly Poe help me with a loan Option One that also need to be look in to. At that time all my accounts were paid in full expect a 30 day late that was not valid on my credit report for four years just taken off 9/06. All that in interest if you would add that it a lot of money
   Ocwen Federal Bank FSB Ocwen would like to thank this opportunity to thank you for your recent inquiry regarding the above referenced loan.As previously advised in the letter dated fedruary 5,2004 Ocwen has reported MR Ramirez credit report to reflect his loan with Ocwen to Paid as Agreed for all months.

   Below is an account of the events which occurred while refinancing my home
   At the time when I got this loan I was in a wheelchair, due to a recent accident which occurred in November 2005. This accident left me unable to work for almost one year. Ms. Shell Poe, who had helped me with my previous refinance with Option One, told me not to worry about any of the paperwork. She was going to handle everything. I never filled out an application, nor did I see any preliminary documents prior to signing the final papers. I was not of my right mind due to my accident, and she just told me where to sign.

   I never received any closing loan package, My realtor was able to obtain a copy of the Deed of Trust for me, April 5, 2007. I noticed that the signatures and initials were not mine signature, as well as my name was Awhite-out@. When I compared it to the documents that I received from AMC on Monday April 9, 2007, the copy sent me there is no white out, my name is typed in and it is not a recorded copy. All docs were forge the
   Grant Deed it had Ms. Shell Poe signature as the notary public she was the broker that not right Also my signature was forge.

   Falsified or Fraudulent application.

   Ms. Poe falsified my monthly income on my loan application to Argent Mortgage without my knowledge. She said I was making $117,000.00 a year, when at the time I was in a wheelchair and unable to work. Item 8 of the Deed of Trust states that this loan will be in default if any persons or entities acting at the direction of Borrower give false, misleading or inaccurate information or statements to lender in connection with loan.

   Excessive Mortgage Fees

   In March 2006, I needed to refinance I was ready to sign with World Savings. My monthly payment was going to be $1800.00. Miss Shelly Poe contacted me and stated she could get me a better loan. She submitted forged documents to World Savings and as a result, I was denied the loan.
   In March 2006 I had receive a copy of my credit report 3/28/06 with a score high 620.
   In this credit report there was one account the was open that was paid in full in Oct27 2006.
   1 Account was paid $802.00 which apparently left a ………..$.65 balance which I was not informed about and caused the account to reflect that I was in the rears. I would not become aware of this had I not called the creditor to inquire about the status.2. Also a fraud account that I report to the company that it was with and to the credit bureaus. 3 .A 30 day late that was not valid on my credit report for four years just taken off 9/06. And 80 inquires on my credit report that the
   Equifax deleted 80 in June 2006 and Experian, TransUnon. Deleted 60 inquires
   ALL WHICH WERE invalid AND COST ME A LOT OF MONEY BUT STILL TO THIS DAY ON MY CREDIT REPORT IT STATE THAT THE INQUIRES IS WHAT AFFECT MY CREDIT.
   In March 2006 I had receive a copy of my credit report 3/30 /06 with high score 605.
   Two day my score went down 15 points with the same errors that were on the credit report.
   Date two day before 3/28/06. Why did it go down and why did AMC go with the low score.
   That cost me $25.000 or more. Miss Shelly Poe it was your job to take care of this errors and AMC TOO so who fault is it the Credit Bureaus or AMC Miss Shelly Poe.

   I have file identify theft and place a fraud alert in my file with the credit bureaus that was to be for 90 days it was never taken off the this day . Just to make this clear this fraud alert was about.
   Fraud it was about bad reporting and still I had to pay. All the time and effort I put in to get rid of these issues seems to have been for nothing

   In March 2006 I was approved for an adjustable rate mortgage with Argent Mortgage for $550,800.00 for 360 months. My principal balance prior to this refinance was $480,000.00 with a $3,871.00 monthly payment. Now my principal balance is $576,000 with a monthly payment of $3871.17. Out of the $90,000.00 of equity that has been taken out of my home, I only received $36,000.00 cash out.

   Please see attached papers for highlighted portions that are either inaccurate or fraudulent.

   Negative Amortization

   My monthly payment of $3871.00 does not cover the monthly payment so my principal balance increases each month. This will cause my payments to increase substantially over the period of the loan. The amount financed is $550,800.00. The amount I will have to pay after I have made all payments would be $2,165,987.61, which is almost four times what my house is worth.

   Ms. Poe told me not to worry about the high monthly payment. She stated that this loan would only be temporary. She promised to help me correct the errors that were on my credit report. Once the credit issues were resolved, she was going to restructure the loan so my payments would be lower.

   April 2006 B paid $3871.19 on time
   May 2006 - paid $3871.19 on time
   June 2006 - paid $3871.19 on time
   July 2006 - paid $3871.19 on time
   August 2006 B paid $3871.00 on time.

   September 2006 B Late on my first house payment.

   Ms. Poe assured me that she was going to get me a loan where my monthly payment was going to be reduced to $1800.00, and I would receive approximately $30,000. I was to sign on Oct 11 2006. At the last minute, she called and informed me that the best she could do was raising my house payment to over $4,000.00 per month and get only $6,000.00 cash back.

   10-06-06 B received a Notice of Intent to foreclose from AMC on November 7, 2006 B reinstatement balance of $7795.94.

   I was to sign on Oct 11 2006. At the last minute, she called and informed me that the best she could do was raising my house payment to over $4,200.00 per month and get only $6,000.00 cash back.

   11-06 Received Notice of Default from AMC (you have copies of all notices I have received from AMC & Towne & Country Title Services. Inc.)

   12-12-06 B Met with a lawyer, Steven Small to review loan documents. He pointed out that Option One incorrectly charged interest at a rate of $80.00 per day for 02/06 B 04/06 for late payments. I was not late during that time. (See attached billing statements.)

   01/15/07 B Spoke with representative from AMC on phone and she informed me that I would need to pay at least $5000.00 if I wanted to set up any type of repayment plan. She also informed me that AMC does not restructure their loans to add amount of default to the end of the loan.

   02-15-07 B Spoke to customer service reprehensive from AMC to request a copy of a payment demand letter.

   02-26-07 B received copy of payment demand letter which stated a balance of $26, 000 to reinstate the loan.

   03/07 B AMC sent two representatives from Titanium Solutions to my home to discuss possible solutions to avoid foreclosure. I was never informed that they were coming to my house so I was reluctant when asked to sign anything. I called AMC while they were still here, and AMC did not know anything about this meeting.

   03/15/07 B My water was turned off.

   03/18/07 B Seven on your side came to my home to hear my story, and interview me.

   03/23/07 B Received copy of Notice of Trustee Sale which will occur on 04/13/07. The notice stated that the amount of unpaid balance and other charges was $570,608.69. My initial loan was for $550,800.00.

   03/26/06 B Spoke to Michelle from Reinstatement department of AMC regarding possible solutions to reinstate this loan. She said that if we pay them $25,000.00 down, she would reinstate the loan, but an additional $900.00 would be added to the monthly payments for the next 11 months. That would make the monthly payment $4800.00. I informed her that that was an unrealistic solution. I then asked if she would extend the foreclosure date. She stated that the only way AMC will extend the foreclosure date is if we send them proof that there is an interested buyer that has been approved for an amount which would satisfy the loan. She also said in addition to an approval letter, we would need to send a copy of the contract and HUD papers.

   04/06/07 B Received another payment demand notice which stated a balance of $35,969.36. (An additional $10,000 in fees in just 1 month).

   This Friday April 5 2007 I receive copies of the documents that were Record though the
   Alameda County the document that I receive were all forge I have 20 pages all have been forge
   Deeds of Trust it looks like my name was white out, Also my name were forger on all the docs and Initials too.

   04/06/07 B Met with a real estate agent to list my property for sale. (This is as a last resort).

   Friday 13 April I had a interview with Alexandra Deen of PCBS News in New York, who came to my home to interview me regarding a nation wide story on Predatory Lending.
   NOW I NEED HELP I HAVE NOT WATER OR GAS NO MONEY OR FOOD I HAVE TO WAIT.
   15 to 20 day because AMC has to investigate. Were is the support I have been rob and damage
   Thank you

   Nick Ramirez
   227 central ave
   Alameda 94501
   (510)-749-4856

   Comment by nick — April 18, 2007 @ 9:30 pm

3. Now it time to see what happens with all this damage

   Let me intrudes myself I Nick Ramirez would like to talk about the experience I had with
   The Broker and the Credit Bureaus with Respect to all Certified Professional’s. I know there are a lot of good people that really do care and do their best. Just want to make this clear
   I am one of the lucky one that didn’t lose his house but I did lose my credit wroth due to misrepresentations and evidences of wrongdoing

   To all the people the remark with no fact behind anying that they say need to think before they talk. Be real . This is real talk

   This is a letter to respond to the experience that I had with the Credit Bureaus and the Broker and the Mortgage Company.
   Also like to respond to the people who support me thank you very much God bless you all.
   To the people that responded with different options’ based on the truth that they believe in and at the end they were all wrong. To think that some of these people are professional’s leader’s lawyers farther and mothers and with the remarks and answers or support that these people have provided.
   Need to think about the decisions’ about business and real life solutions and some people think it a joke or only concern about their own needs. And to think that company with professional’s that run big business use the system to take way from hard working people this is not right or fair in any way and it all about money.
   These professional’s, are certified and licensed by the United State of America in good faith and entitled to do their job by law but for some reason these certified professional’s are trying to get way by lying and using the word trust me and I promise. Now with all of the evidences and the wrongdoing and the misrepresentations with violations that have raised along fraud and engaging in unfair and deceptive acts. The law states that any certified professional’s that failed to make the required shall take prompt and appropriate disciplinary action.
   There has to be something more the states or the government can do to help victims like myself from these professional’s that are using the cover of the law. By not following the written instructions that are required and provide by law. Also not to be unfair, deceptive, misleading or unlawful. All of the professional’s that are certified and licensed by the State are required to follow the rules with the best ability and fully encourage any parties in good faith.
   What dont you poeple understand were all Americas

   THERE IS MORE EVIDENCES AND WRONGDOING
   tHIS IS THE LETTER THAT I SEND TO THE MORTGAGE CO TODAY May 28, 2007

   Attn: AMC Mortgage
   Re-instatement Department

   Fax No. (949) 862-3764

   From: Nick Ramirez
   227 Central Ave.
   Alameda, CA 94501

   RE: Loan No. 0096372958

   This letter will give a detailed description of the reasons why this loan is an invalid loan and should be rescinded. This letter shows how I was taken advantage of by my broker; Ms. Shelly Poe, who was working for Pinnacle Financial at the time. Also listed below is a time-line account of the events which occurred while refinancing my home.

   Also included in this letter is a detailed account of all of the inaccurate information that was on my credit report. It is the responsibility of the broker to make sure that all of the adverse information on my credit report is correct at the time of the loan

   Forged documents

   On Friday April 5th, 2007, I received copies of the Deed of Trust that were recorded though the Alameda County. I discovered that my signatures and initials on all of the documents that I received were forged. In addition on the front page of the Deed of Trust, my name had been white out, and it look liked my name was then filled in with a pen. These were all dated on April 11, 2006 sealed with the official records of Alameda County under the name of Patrick O Connell.

   My signature was also forged on the Grant Deed as well. Ms. Shelly Poe, my broker signed the Grant Deed; her name was on it as the Notary Public April 17, 2006
   She is the Broker not Notary Public. It states that she witnesses my signature on April, 17 2006. I never signed anything on April 17th. The only time I saw Ms. Poe was on April 11, 2006.

   On Monday April 9, 2007, I received my closing loan documents from AMC Mortgage Company. None of the documents I received from the Mortgage Company had been recorded through the County, but more important they were not the same as the copies that I had received from the County files.

   On the Deed of Trust, my name was typed in correctly with no sign of white-out used.
   These were not the same documents that I had signed on April 11, 2006. None of the signatures match my signature. To sum this up, the Broker submitted fraudulent loan papers to Argent Mortgage, and to the County to be recorded.

   Falsified or Fraudulent application.

   Ms. Poe falsified my monthly income on my loan application that I never received or fill out to Argent Mortgage without my knowledge. She said I was making $117,000.00 a year, when at the time I was in a wheelchair and unable to work due to an accident which occurred in Nov. 2005.
   As a result of my income being inflated, I received a Notice of Proposed Assessment from the State of California Franchise Tax Board, dated April, 17 2007, (also attached) stating that I owe $10, 556.24 in back taxes because they used the estimated income listed on my mortgage papers.

   Steering to High Rate Lenders

   In March 2006, I needed to refinance due to the financial hardship I was in because of the accident. At that time, I was ready to sign with World Savings. My monthly payment was going to be $1800.00. (See attached loan papers). Shelly Poe contacted me and stated she could get me a better loan. I trusted her because she had helped me with my previous loan with Option One. She told me not to worry about a thing; she would take care of everything. I never even filled out an application.

   In March 2006 I was approved for an adjustable rate mortgage with Argent Mortgage for $550,800.00 for 360 months. My principal balance prior to this refinances was $480,000.00 with a $2,600.00 monthly payment. Now my principal balance is $576,000 with a monthly payment of $3871.17. Out of the $90,000.00 of equity that has been taken out of my home, I only received $34, 000.00 cash out.

   Excessive Mortgage Fees

   To begin, in the Loan Payoff to Option One Mortgage, I was incorrectly charged $7,057.33 in Interest Per Diem from 02/01/07 – 04/20/07. 79 days @ 89.33 per day. The reason why this is incorrect is because I was not late on my payments to them so the interest had already been paid to them. I was double charged. There is also a $1,772.76 Miscellaneous charge which has never been explained to me what that charge is.

   I was charged $12,864.00 in a pre-payment penalty, which I was never informed that I had to pay. In fact, Ms. Poe told me that I was not going to be charged a pre-payment penalty.

   I was charged $250.00 for the appraisal fee, which I had already paid out of pocket previously to the appraiser the day he came to my home.

   I was charged $495.00 for the processing fee and an additional $495.00 for the application fee. That should only be one fee for both.
   I was charged an underwriting fee of $799.00. Shouldn’t all these fees been include in the Origination fees

   UNDERWRITING

   Means the process of approving or denying a loan based on an evaluation of the applicants creditworthiness and ability to repay the loan an Appraisal of market value of the residential property proposed to secure the loan
   It is the responsibility of the underwriter that the information is 100%
   This loan is so misleading and unfair. This is unacceptable pertaining to this loan.
   Along with the Parties involved.

   Below are the figures that are listed on the Truth in Lending disclosure from my current loan and future loans Ms. Poe tried to obtain for me. I am listing these figures to show you how she tried to put me in a financial situation that was not for my best interest.

   Truth in lending disclosure date March 31, 2006 Preliminary by Ms. Poe
   Truth in lending disclosure date April 11, 2006 Final by Ms. Poe
   Truth in lending disclosure date August 23, 2006 Preliminary by AMC
   Truth in lending disclosure date September 26 2006 Final by Ms. Poe

   1 # Loan Applicant that Ms. Shelly Poe obtain
   TRUTH-IN-LENDING DISCLOSURE STATEMENT - PRELIMINARY

   Documents Dated March 31, 2006

   Loan Number 0096372958-9507.

   Annual Percentage rate (e) 10.636 %.
   Finance Charge $1,323,983.17 (e)

   Amount Financed $ 548,349.96 (e).

   Total of Payments $1,872,333.13 (e)

   With a payment of $ 4.333.14 Starting 05/01/2006

   2 # Loan Applicant that Ms. Shelly Poe obtain
   TRUTH-IN-LENDING DISCLOSURE STATEMENT - FINAL

   Documents Dated April11, 2006

   Loan Number 0096372958-9507.

   Annual Percentage rate 10.660 %
   .
   Finance Charge $1,382,219.56

   Amount Financed $ 537,858.78

   Total of Payments$ 1,920,078.34

   With a payment of $ 3,871.17 Starting 06/01/2006

   I applied for a loan with Applicant with AMC Mortgage Co
   Dated August 23, 2006
   I was denied because I did not have an income.

   TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY

   Loan Number 0152759783-2461

   Annual Percentage rate (e) 10.044 %

   Finance Charge $1,267,133.42 (e)

   Amount Financed $ 559,958.78 (e)

   Total of Payments $ 1,827,092.20 (e)

   With a payment of $4,144.89

   #4 Ms. Shelly Poe applied for a loan Applicant with AMC Mortgage Co
   TRUTH-IN-LENDING DISCLOSURE STATEMENT PRELIMINARY
   Dated September 26, 2006

   Loan Number 0103494639-9507

   Annual Percentage rate (e) 11.319 %

   Finance Charge $1,581,967.06 (e)

   Amount Financed $ 584,020.55 (e)

   Total of Payments $ 2,165,987.61 (e)

   With a payment of $4,848.22

   Ms. Poe purposely structured these loans with monthly payments that she knew I could not afford. I feel she did this so I would have no choice but to default on the loan, then would have to turn to her for additional help, and then she could impose more fees and additional penalties.

   At this point, she already had me at 90% value, and knew that it would be very hard to refinance again. As a professional broker, licensed by the State of California, how could she in good faith have my best interest in mind when she tried to steer me into these loans.

   Negative Amortization

   My monthly payment of $3871.00 does not cover the monthly payment so my principal balance increases each month. In fact, according to my 2006 Mortgage Interest Statement (attached), only $154.00 went towards the principal balance. The remaining $3717.90 went to the interest. The amount I will have to pay after I have made all payments would be $2,165,987.61, which is almost four times what my house is worth.

   Inaccurate Credit Reporting

   For the last year I have been trying to resolve and correct errors on my credit report. I have provided all of the research and provided all necessary documents from the creditors stating all accounts were paid in full, along with copies of checks. I called day after day, week after week. I faxed, mailed & e-mailed. I have written about 200 letters or more. I paid for six of their online monitor’s services to help me fix their errors and inaccuracy on my credit report. I was asking for help and pleading for help for 11, months.

   I did not get the support or help that the customer services staff entitled me to. My accounts were not properly handled and my credit score was not correct. In addition, the Interest rate that has cost me thousands of dollars due to my incorrect score.

   We have the right to have the correct information reported on our credit report. I feel that I was mistreated by all three credit bureaus
   I even receive a letter from National Consumer Assistance Center from Experian saying they were going to take action against me . Why didn’t they just help

   There has to be a reason why so much inaccuracy on my credit report.

   Jan 2006 I still had five accounts open; one was due to fraud and a 30-day late from Ocwen Bank, which was incorrect. There were also 38 inquiries, which were not valid. All of these accounts should have shown paid in full as of October 2005. This is when my nightmare with the credit bureaus began, and continues to this day.

   4856 This account is not mine. I have called Cingular Wireless and they said that they’re going to send me a letter so I can take it to the police department it was never sent. I talked to Costumer Service about the bill and Costumer Service said that 4 phones were open on that account the address for the bill was 3023 Florida st in Oakland ca 94602. I have filed identify theft and place a fraud alert in my file with four credit bureaus.

   The fraud alert was only to be in effect for 90 days. I requested that the fraud alert be removed on September 25, 2006. Dinah Watson of Equifax Office of Executive Consumer Service send me email if I wanted the fraud alert to be removed from my credit it would be deleted just email her back and she would take care of the remover of the fraud alert. I did send her an email to remove it this has never been removed, and is causing me further stress when trying to apply for any additional credit. On 8/06 the four credit bureaus placed a fraud alert on my credit report again without my permission and still to this day it remains on my credit report.
   In this case it was not about fraud it was about bad reporting errors and inaccuracy inform on my credit report. Still the credit bureaus did not do what they were to do by law.
   Don’t I have any rights?
   Also, about the Wells Fargo Visa I applied for.
   Looking over my credit report 9-9-2006 in this report it state that this wells Fargo account was open in 8-2006. I receive the secured credit card 8-28-2006. On this credit report it was update 9/2006 Balance $334.00 it does not add up how can I owe $334.00 in ten days. And on my credit report just like that. As if they knew that, I was late before I was even late. This is not fair or right. The bank intercepted the money and I never used the credit card. Not even once and I paid $ 300.Of my money to open this account for noting but a bad deal. Again in the hand of the top Credit Bureaus.
   I was informed by Dinah Watson of Equifax Office of Executive Consumer Service that a secured credit card would raise my score. I informed her by fax email and call when the card had been approved and got no confirmation that she had received my fax or did it improve my credit score. The bank intercepted the money and I never used my card. Therefore, by taking her advice, I am now further in dept. If this problem with my credit report been resolved nine months ago or two months ago my bank account would not have been overdrawn.

   On 03/28/06
   I received a credit report by CBCinnovis. On this credit report my credit scores read as follows:
   Equifax 562; Trans Union 613; Experian 619.

   On 03/30/06,
   Argent Mortgage ran a copy of my credit report and my scores read
   Equifax 560; Trans Union 594; Experian 605.

   Equifax go down 2 points in two days. TransUnion 19 points in 2 days.
   Experian go up 14 points in 2 days

   Why did the mortgage use the credit report on the 3/30/ 06 and not the 3/28/06 with the better score only two day and it went down with Equifax 2 points and TransUnion 19 points and Experian 14 points
   Why did my credit score with Equifax go down 2 points and TransUnion down 19 points Experian went down 14

   On these two credit report date 3/28/06 and 3/30/06 there are the same errors.

   AFNI. Account for $802 was showing past due that been paid in Oct 27 2005 in full

   Cingular wireless Account No. 18856. Was showing unpaid this was a fraudulent account,
   30 days late. Ocwen Federal account 3174033 showing late that incorrect never was late .have letters from Ocwen paid as agreed for all months verifying from their research department with a satisfactory payment history with Ocwen and a apologizing letter and . Taken off in 8/06.

   78 inquiries In April 2006 Equifax deleted all Experian and TransUnion deleted 50 or more. This number of Inquires on my consumers credit file has adversely affected the credit score. These Inquires affected my credit score and interest rate and still to this date on my credit report.

   Time-line of events which occurred from April 2006 until present

   April 2006 – paid $3871.19 on time
   May 2006 - paid $3871.19 on time
   June 2006 - paid $3871.19 on time
   July 2006 - paid $3871.19 on time
   August 2006 – paid $3871.00 on time.

   September 2006 – Late on my first house payment.

   Ms. Poe assured me that she was going to get me a loan where my monthly payment was going to be reduced to $1800.00, and I would receive approximately $30,000. I was to sign on Oct 11 2006. At the last minute, she called and informed me that the best she could do was raising my house payment to over $4,000.00 per month and get only $6,000.00 cash back. I told her that I would not accept that.

   10-06-06 – received a Notice of Intent to foreclose from AMC on November 7, 2006 – reinstatement balance of $7795.94.

   11-06 Received Notice of Default from AMC (you have copies of all notices I have received from AMC & Towne & Country Title Services. Inc.)

   12-12-06 – Met with a lawyer, Steven Small to review loan documents. He pointed out that Option One incorrectly charged interest at a rate of $80.00 per day for 02/06 – 04/06 for late payments. I was not late during that time. (See attached billing statements.)

   01/15/07 – Spoke with representative from AMC on phone and she informed me that I would need to pay at least $5000.00 if I wanted to set up any type of repayment plan. She also informed me that AMC does not restructure their loans to add amount of default to the end of the loan.

   02-15-07 – Spoke to customer service reprehensive from AMC to request a copy of a payment demand letter.

   02-26-07 – received copy of payment demand letter which stated a balance of $26, 000 to reinstate the loan.

   03/07 – AMC sent two representatives from Titanium Solutions to my home to discuss possible solutions to avoid foreclosure. I was never informed that they were coming to my house so I was reluctant when asked to sign anything. I called AMC while they were still here, and AMC did not know anything about this meeting.

   03/15/07 – My water was turned off.

   03/18/07 – Seven on your side came to my home to hear my story, and interview me.

   03/23/07 – Received copy of Notice of Trustee Sale which will occur on 04/13/07. The notice stated that the amount of unpaid balance and other charges was $570,608.69. My initial loan was for $550,800.00.

   03/26/06 – Spoke to Michelle from Reinstatement department of AMC regarding possible solutions to reinstate this loan. She said that if we pay them $25,000.00 down, she would reinstate the loan, but an additional $900.00 would be added to the monthly payments for the next 11 months. That would make the monthly payment $4800.00. I informed her that that was an unrealistic solution. I then asked if she would extend the foreclosure date. She stated that the only way AMC will extend the foreclosure date is if we send them proof that there is an interested buyer that has been approved for an amount which would satisfy the loan. She also said in addition to an approval letter, we would need to send a copy of the contract and HUD papers.

   04/06/07 – Received another payment demand notice which stated a balance of $35,969.36. (An additional $10,000 in fees in just 1 month).

   April 5 2007 I receive copies of the documents that were Record though the
   Alameda County the document that I receive were all forge I have 20 pages all have been forge
   Deeds of Trust it looks like my name was white out, Also my name were forger on all the docs and Initials too.

   04/06/07 – Met with a real estate agent to list my property for sale. (This is as a last resort).

   04/11/07 ERIC MUSIO, reinstatement dept AMC I informed Eric of my sale date of 4/13/07. After looking over closing package, sent to me by AMC, I noticed all inaccuracies, Eric informed me to fax the papers to him and he would forward them to the Office of the President, of Argent. He informed me to call the Argents office of the President the following morning and ask for Rick Roberts
   04/12/07 Rick Roberts, Argent Office of the President When I asked Mr. Roberts for status, he informed me to contact the legal department for information. I left a message in the legal department.
   04/12/07 Trish, Legal Department Called me to inform me that the sale date has been postponed for 30 days for investigation.

   04/13/07 Reinstatement Department Confirmed 30 day extension, and asked for something in writing. New sale date is May 14, 2007.
   04/16/07 Roxanne, Reinstatement Department, Asked what is going to happen in the next 30 days. She told me to call Argent, Office of the President for information.
   04/16/07 Patricia, Office of the President Informed me that my file has not been assigned as of today, and to call Angie in the legal department, 888-311-4721, refer to file #170917 tomorrow.
   04/26/07 Marc at Argent Informed me that the file was sent to the fraud department, and referred me to Eddie Misilli who handles fraud cases. At x 10213. He informed me that in these cases AMC will try to work with the Borrower. I told him we have not received any calls from AMC and have left several messages.
   04/26/07 Eddie Miselli,
   fraud dept. x 10213 Left voicemail for Mr. Miselli to call back at 4:00 pm.
   05/10/07 Marc VerPlanck
   Argent Mortgage
   1-888-311-4721 Received an ID Theft package from Argent Mortgage to confirm that this was an ID theft. Mark stated that because the documents were forged that it makes it ID theft.

   THERE IS MORE ON IT WAY

   Comment by nick ramirez — May 30, 2007 @ 5:36 pm

4. I like to make a comment about this matter we have all of this talking going on. That is doing noting but taking up time dont these poeple have better thing to do like helping poeple that realy need help. Come on I live this nitemare and feeling it this has been a full time job and not geting paid. I dont have no money or food I have go to bed with out eating no water or gas do you poeple no what your even no what your talk about. If you do help me come on. I work for every thing that I got the only thing I didnt work for was to have every thing that I work for to be taken way by Credit Bureaus and the Broker and the Mortgage Company. That are Certified Professional’s COME ON HELP ME
   Also like to respond to the people who support me

   Comment by Nick Ramirez — June 1, 2007 @ 12:46 am

5. Please help me. I am being criminalized by a former family friend, Osita Iroku and Dr. Willie F. Paige of Delta Acquisitions aka BH Management. Since April 2005, I have been trying to work with them in purchasing a second home for investment purposes. I paid my deposit and invested into their company in expectations of the promise of a 40k profit within one year and my option to pull out and sell the property. Instead, the investments were late if they came all (none at all this year by the way and no explaination of when or why); the house wasn’t build until 2006 (not my original lot# and paperwork was transferred, lost and recreated, then more money requested); and a third home was pursued and purchased in my name (my ignorance in trusting them as my advisors and managers of my finances and property in Delaware). Anyway, I’ve since July of last year asked for copies of the paperwork showing who they put in my house, it is now June 2007 and I haven’t seen a thing. They refuse to bring the so called agreements (I never agreed to the lessors), documents showing their security deposits or the credit checks done. I found out that the management company was allowing their employees to live in my houses for free. My credit show up to 60 days default in payments and I still cannot get any documentation from this company. I’ve employed my sister who lives in Delaware to help me since I live in MD but they refuse to give her the documentation even with my request that they allow her access on my behalf. The tenants have even said they will NOT clean up when they leave and that their only obligation is to allow me access to inspect the property. What can I do…don’t landlords have any rights? The company even listed one of the houses as a Section 8, against the community’s request, and didn’t tell me or the community association; there is no limit to the fraud going on, from forging my signature to abandoning the finish of one of the houses (which he moved the family into). Who can I turn to? Please….

   Comment by ECN — June 19, 2007 @ 2:21 am

6. Response to ECN-How can I get in touch with you?

   Comment by Anonymous — October 4, 2007 @ 5:57 am

7. ECN, Have you gotten any satisfaction yet? I too have a complaint against Mr. O. Iroku. My roommate and I, along with a couple who live next door (the property is a duplex) have been “renting” from Mr. Iroku since 2004 - when he “purchased” the property from our previous landlord. As of last week, our neighbor found a dispossessory warrant taped to his front door. Apparently, the home has been foreclosed! This guy hasn’t paid the mortgage on this property in at least 6 months! Now, we have to go to court next week and pray we can get more than 7 days to move out. This guy has been taking our money, but not paying the mortgage! We’ve been getting ripped off! Oh, and all of the phone numbers we have on him have been disconnected! Can ANOYNE out there help us???

   Comment by Angry renter in Tucker, GA — October 16, 2007 @ 7:43 pm

8. [...] Angry renter in Tucker, GA on Contacting Every States’ Attorney General About Real Estate Fraud [...]

   Pingback by Real Estate Fraud | Mortgage Fraud | Flipping Schemes — October 17, 2007 @ 12:48 am

9. If you moved into his property in 2004, from my calculations it seems that you have lived large for very cheap for over 4 years. If your landlord, Osita Iroku, wants his property to go into foreclosure, that is his right and his business. There is no law that forces a landlord to pay his mortgage. Maybe he was trying to get you out of there and had no other way? I think its time you bought your own house and move out of his.

   Comment by Erica Cano — June 9, 2008 @ 10:58 am

10. I too have received a letter from Mr. Jeffrey W. Stump, Assistant Attorney General in Georgia. Mine also said that the Attorney General had asked him to reply to my recent letter. UNFORTUNATELY, the Attorney General apparently failed to ask him to read the incoming correspondence before replying.

    Comment by Jefferson John — August 16, 2008 @ 3:32 pm

11. What I don’t understand why if she screwed you over so badly you would continue to use her. Also, there is no way on this planet anyone would be dumb enough to never sign papers, yet keep living in a house and NOT think something was up.

    Give me a break!

    Comment by Tara — August 29, 2009 @ 1:21 am

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