After all my whining, it's only fair to post some good news.

[EFerrari]

Chase approached my mom about a loan modification on a rental property, just before or during the crash. They pretty much lured her into foreclosure, promising to re-fi her little building. They had no intention of giving her a modification and my proof is that they had her in the wrong program for over two years. The program they put her in was only for residences, not income property.

It must have seemed so easy to them. An old lady, offer her a better rate if only she goes into foreclosure to "qualify" for the program. Then, just sit back and wait for it.

So, during those two years, she complied with all their requests for docs and financial information. When she called to check, she was told, everything was fine. Or she was told, we didn't get your paper. Or she was told to just wait and someone would get back to her. At the bottom of two years, they said, you have to pay a $15,000. balloon payment to get the modification, which was impossible. And by this time, there was zilch to pay a lawyer. And then, they sold the property.

Except, oops, she found a way to get the sale reversed because it was illegal. A part owner was in bankruptcy and Chase never bothered to run that down. They were on a roll, I guess, and while they were counting their money, Mom was on the net every day trying to find a way to stop this theft. And she finally has found a lawyer who will work with her without a ton of up front money.

So, fuck you, Chase, and cheers to my mom who fought these Major @assholes on their own turf and won.

[CaliforniaPeggy]

1. Major kudos to your mom!

That is great news.

[EFerrari]

2. Peggy, my mom is 79, 100 pounds soaking wet and has an accent.

No one at Chase bothered to take her seriously after they got her into foreclosure. I'm so proud of her!

[CaliforniaPeggy]

4. PLUS she has a steel spine!

Hell, *I'm* proud of her!

[EFerrari]

8. The best part is that she rents to low income families

and has up to now refused to be part of the gentrification of that neighborhood which would mean kicking those tenants out at some point. She's Chase's nightmare. lol

[secondwind]

72. Awesome mom!

[KamaAina]

3. In your face, Chase!

:thumbsup:

[irisblue]

41. the momma rocks!

good on her! and good for her kids who supported her. bite it chase

[ljm2002]

5. Three cheers for your mom!

And good on the lawyer who has taken her case, too.

I'm so glad to hear she was able to push back against the a**holes who tried to steal her property.

Here's hoping it works out for her now.

[Whisp]

6. wow. good for her! you must be very proud.

[truedelphi]

7. I am so glad that she found someone to help her.

This is very good news.

And the even brighter lining to the silver cloud is that your mom couldn't have wrestled a more stinky opponent than some big bank like Chase. So a victory on top of a victory!

[EFerrari]

9. She's been at this for more than two years now and on her own.

I've given her everything DU has posted on foreclosure fraud and that helped a LOT because at first she and I both thought we were nuts for suspecting foul play. And then the situation got really, really clear.

[HereSince1628]

10. Off topic, a question about "@"assholes...

and for that matter the "#" that are cropping up all the time...

What do these represent? I don't have a phone so I am guessing it could be something to do with texting or twittering or whatever, but I'm just curious to know.

[EFerrari]

14. # is for twitter topics that are searchable on Twitter.

@ is for user names on Twitter, so Chase would be @Chase or @ThievingSlimeballs depending on how they registered at the site.

[HereSince1628]

16. Thanx

[RainDog]

11. k&r for your mom

fuck you, Chase.

[Generic Other]

12. Good for her!

Damn banksters!

[beac]

13. Brava, MomFerrari!

:applause:

So much of "business" these days seems to be based on the little guy being too intimidated/uninformed/busy/cash-strapped to fight back. Glad your mom did!

:applause:

[EFerrari]

15. No kidding. Just make the theft too expensive to contest

and you get away with it. It's so wrong.

[Huey P. Long]

17. You do not 'whine'. You are a hero. -eom

[mike_c]

18. excellent news, and kudos to your mom!

yay!

[mod mom]

19. I love good news! Cheers to your mom!

[woo me with science]

20. K&R These THIEVES need to go, every last one of them.

Cheers to your mom...and don't EVER call it whining.

[EFerrari]

29. Some day when I'm not sick with worry for a few days at a time

I want to go look at the foreclosures here on the East Side and track down who the lenders were who tried to dispossess this whole community.

[proud2BlibKansan]

21. Outstanding! My friend just got his house back from foreclosure.

The bank couldn't produce all the paperwork. So he got his house back and then sold it and made a tidy profit. :)

[EFerrari]

24. That's wonderful.

Good for him.

[Kaleko]

22. That must have been a tremendously draining 2 years

for your mom and the whole family.

Best of luck to you all. I have a hunch that you will win this case.

[EFerrari]

26. It's only a few years since the crash but it feels like ten.

At one point, this place was in foreclosure too, and I'd stay awake trying to figure out where I would take my mom and the animals.

I think she will be okay. The bank sold the building for less than have of what they wanted to stick Mom up for. It's going to be hard for them not to write the property down now. And now she's free to get real financing elsewhere, too.

[sueh]

23. Yeah! Kudos to your mom for Not. Giving. Up.

[WillyT]

25. HUGE K & R !!!

:bounce:

:hi:

:kick:

[EFerrari]

31. It feels good to win one for a change. Thanks, Ma.

[dixiegrrrrl]

49. I am stealing that poster, Willy. Fantastic!

[Withywindle]

27. Your mom is a hero!

Kudos to her for standing her ground and figuring out how to do it! Has she considered writing a book, or at least a series of blog posts, for others in similar situations? The information on how she did it would be a great thing to have out there and widely available.

[EFerrari]

28. I don't think she's there yet.

But when things settle down a bit and the loose ends tied up, she said she's been trying to figure out how to go help Occupy San Jose.

[ellisonz]

30. That is good news.

:-)

[Lucinda]

32. Happy to hear some good news!

:toast:

[Iwillnevergiveup]

33. EXCELLENT!

And all this time you and your mom are reeling and stressed out from a virtual assault on your lives, these Chase cretons are thinking, "Next?" They're unfazed and heartless and have a damn Don Corleone mentality - "It's just business." FYI, was chatting with a great lady at my credit union last week, and she said Chase is the absolute worst bank to deal with refi's - they delay and delay all the time.

Congratulations to you all - the best people won!

K&R

[Beam Me Up]

34. wicked kewl • screw those rat bastards n/t

[defendandprotect]

35. kr --

[poverlay]

36. I am in awe of our "little old" ladies. Chase didn't know who they were messing with. Stupid Chase

... N/t

[Fire Walk With Me]

37. May I say you're a chip off the old block, so to speak. Good on her!

[iamthebandfanman]

38. corporations take advantage of our eldest

all the time..

AT&T once described a plan as 'cheaper than what you have' to my grandmother..

in reality,
they meant..
getting the plan was cheaper than getting each service individually..

mind you my grandmother had NONE of those services before so it totally wasnt cheaper..

[malaise]

39. Great post

Give mom a hug for me :fistbump:

[EFerrari]

51. I will.

The last time I saw her, she was reading a 20pp download she found entitled "Victory over Chase". lol

[Enthusiast]

40. Yay for your mom! nt

[joshguitar]

42. yes!! fuck em

[SemperEadem]

43. Good for your mom... I wish her good fortune in this

it just occurred to me that all of this stealing of property through false foreclosures, etc., is part of the plan the 1% is attempting to institute to change who has the right to vote in this country. There is a line of thinking I've heard expressed that states that only people who own property should have the right to vote... if the 1% is able to steal property away from their owners with the collusion of the courts, then in the end, the right to vote will be stolen from a lot of adults who currently have that right.

The banks really thought that they could get away with outright theft--thankfully, they are, instead, exposing their corruption by the hubris of not doing "due dilligence" when it comes time to enter into a court of law... in other words, (enter my rant here)they hired too many lawyers and MBA's with a less than 2.0 GPA who barely made it out of school and/or barely passed the bar and all of this bs that these banks are getting caught in exposes that.(/enter my rant here)

[Downwinder]

44. Does CA have any elder protection laws that Chase might have

violated?

[EFerrari]

64. This is a good question that I don't have an answer for.

I will ask the lawyer.

[DiverDave]

45. That IS good news!

I'm happy to hear it.
Hug your mom, and tell her that there is a guy in PA.
who is right proud of her.

Dave

[Paka]

46. Kudos to your Mom! n/t

[myrna minx]

47. Good for your Mom.

These crooks need to be stopped. :grr:

[rhett o rick]

48. Glad it worked out for her. nm

[lunatica]

50. That IS good news!

kick'd and rec'd.

[tularetom]

52. Your mom is my new hero

My son and I are engaged in a minor pissing contest with Chase.

There isn't much money involved but of course they are being dicks about it.

It would be easy for us to say screw it and drop the matter now but thanks to mom, we won't.

[EFerrari]

65. I have a new kind of loathing for big corporations.

They act like they are taking money out of their own pockets when it's YOUR money in that pocket.

[Melissa G]

53. Yay for your Mom!

:applause: :hug:

[geardaddy]

54. K and R to MomEFerrari!

[azul]

55. Good for her.

I hope all these individual actions against bank fraud end up with these people owning the banks. Or at least breaking up these too-big and too-well connected crooks.

[era veteran]

56. Right On

They should set up a RICO office in Chase HQ. That is the, on going criminal conspiracy, I mean bank that we are occupying in Lexington. A great outcome!

[noiretextatique]

57. cheers to your mom

:toast: glad she stopped the bastards!

[Zorra]

58. That's awesome. Another

small blow against the empire, and some poz return for us.

[bertman]

59. Yo Mama is a BADASS!! I know you love her and now I do too. REC. nt

[EFerrari]

74. She really is. Thanks, bertman.

:)

[gateley]

60. Your mom rocks, EFerrari - we can see why you turned out so

sharp!

[CoffeeCat]

61. K&R...

...for your sharp and clever mother.

I'm so glad that this story has a happy ending. Anytime the little guy fights the corrupt behemoth--it's
a major victory.

Well done! :)

...Suck it, Chase!

[Odin2005]

62. YAY, awesome news!

:D

[Uncle Joe]

63. Kicked and recommended.

I'm happy for your mom and thanks for the thread, EFerrari.:)

[msedano]

66. here's to a good lawyer

make that a great lawyer and a fair-minded judge. felicidades on your mom's determination.

ate.,
mvs

[msanthrope]

67. I'm glad I was right.

I seem to remember a thread where I insisted there was affordable legal help for your mom.

You were a naysayer, but I'm glad you were wrong, for your mom's sake.

[EFerrari]

70. Low cost legal help is available to low income seniors

and to homeowners, not for income property. Mom did not find that because there's none there. The lawyer she found agreed to defer his payment, not reduce it. But if in your alternate universe that makes you right, cool.

[msanthrope]

71. Um, your mother did find legal help for her income property.

Deferral of a fee is, indeed, help. And 'deferral' often turns into 'gratis' unless fees can be collected from the other side.

I hope you show the attorney in question gratitude.

[EFerrari]

73. The fees are deferred, not contingent.

But thank you for kicking my thread. :)

[msanthrope]

76. I didn't say they were contingent. Deferral of fee doesn't happen in a contingent arrangement.

I truly hope you express gratitude to this attorney. Deferral of fee is legal help. I hope your mother benefits.

[Jefferson23]

68. Fantastic.....kudos to your Mom. Cheers! n/t

[femrap]

69. Brokers of

all stripes LOVE to steal from old/older women. I've seen them do it and laugh.

Trust no one when it comes to $$$.

Good for your mom. And double fuck Chase....I hate Jamie Dimon. I hope he lives with eternal flaccidity.

[aquart]

75. This was criminal fraud.

She also needs to push her local elected officials. Her state and fed reps. And her state attorney general.

Nobody scums just one. People need to be in jail.

[EFerrari]

82. It certainly is and it's so widespread as to be completely unremarkable,

I'm afraid. She has filed a complaint with the State Attorney General, Kamala Harris.

[Daphne08]

77. Best of Luck to your mom, EFerrari!

She sounds like a real fighter, and I hope she wins!

[EFerrari]

83. Thank you, Daphne08.

[a la izquierda]

78. k&r E

this is great news!

[SomethingFishy]

79. Congratulations to your mom, and....

whining? I don't think so. You are one of the best posters on DU. I saw a post today where someone complained about this board becoming anti-Dem. Well many people here including myself may be anti-certain Democrats, we are not anti-Dem, there is a big difference between throwing your weight behind a person and throwing your weight behind an ideal.

Dont. Ever. Change.

[mopinko]

80. COMPLETELY AWESOME!!!!!!!!!!

good work. i suspect you helped more than you are letting on here, but......

[EFerrari]

81. I got Zoe's office involved at one point and have given Rosie

some links but that's it. She sat there and fought with these people in hand to mouse combat on her own.

[sabrina 1]

84. Too late to rec, but that is great news.

Good for your mom. I hope she makes some money in compensation. Get that stolen money back into circulation.

Scumbags, to do that to an elderly person, it is criminal.

:applause: for your mom!

[EFerrari]

86. Thanks, sabrina.

I talked to the DA about a year ago. At that point, I was only asking for resources but I talked to someone who was putting together a database of problems. It would be interesting to know if that ever went anywhere.

[sabrina 1]

87. Maybe you should send all the info to the US Attorney.

My friend, who was also illegally foreclosed on, has done that, in NY. The Bank in her case was Wells Fargo and the law mill that handled her case, is the one the NY Times wrote about that had the Halloween Party mocking people who had been foreclosed on.

Looks like she may be entitled to compensation as she has heard from the Government asking her to fill out forms so they can look into her situation. There is also a huge class action suit against that law firm going on and a criminal investigation into their practices. I did not think this would happen so fast, a little justice for some of those who were scammed, like you mom. So, you never know :-)

[EFerrari]

89. The Feds are working to let banksters off the hook.

They are pressuring our state Attorney General to not hold Chase et all accountable criminally and to settle for very little. The Feds will not help with this, they already threw in with the banksters.

And if the Feds have done that, there won't be much if any relief coming from the states or counties because the political pressure is too great. No one will want to risk their career over this, imo, and maybe they are right for the moment.

[WildNovember]

85. Yay for mom!

[Solly Mack]

88. Excellent!

:)

I'm glad!