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12:32 PM
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ACK! Bank of America just sold my note to Gree Tree LLC who wants $12 for online payments!!! I need some help.
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In accordance with industry accepted best practices we ask that users limit their copy / paste of copyrighted material to the relevant portions of the article you wish to discuss and no more than 50% of the source material, provide a link back to the original article and provide your original comments / criticism in your post with the article.
[quote:ifSHTF:MV8xNjIxMDE3XzI2NzkxODY0X0ZGMTg5NUEy] [quote:Anonymous Coward 1460275:MV8xNjIxMDE3XzI2Nzg5ODUwXzJCOEMwMzI3] [quote:Anonymous Coward 1460275:MV8xNjIxMDE3XzI2Nzg5ODIwXzY0Q0Q5NUUw] Send them an affidavit. Demand they produce the original wet ink note in court (which you could verify with forensics). If they sold your note chances are they've altered the contract (usually a stamp saying: paid in full, no recourse). Contract becomes void when they alter it. I've seen people win with this in court. Challenge the terms of the contract as well (e.g. interest..). Just in case they attempt to recreate the document once they can not produce the original. They can't recreate if you challenge the terms. I know people that do this on the regular. Don't live in fear brother. [/quote] And yes, I'm suggesting you don't pay/owe them anything. [/quote] Have any of you who keeps saying to do the "produce the note" actually done this? It sounds great in theory - however, I know nobody who has personally done it. I do however know dozens of people who have gone bankrupt, lost homes, etc. If you've personally done this - please post your case no. so all of us here at GLP can reference your case and your win. I think the best suggestion is to keep paying and to ask for proof of ownership of the loan. I'm game for that - however exactly what is the legal process for doing that to get the document i need - and how does it have to be requested? I don't want to screw this up by not requesting the right thing or not sending the letter correctly. Either way, I'm going to refi if I can. Like I said - I signed my name to the debt. I gave my word to pay it. I'll feel more accomplished in the end upholding my end, than trying to cheat the system - despite the fact that the banks are screwing us. I rather be the better person. [/quote]
Original Message
Just got notification that they transferred my mortgage to Green Tree LLC. Get this... Green Tree LLC wants $12 to provide me with the service to process my online payment.
I've been googling the company all night and they sound like a huge scam - tacking on extra charges and bogus fees.
I'm going to head to a local credit union tomorrow and see what I can do. Problem is... I bought way under my budget, so the loan is pretty small (under 50k) and nobody really wants to deal with it. That's the reward I get for buying a starter house within my means...
I'm open to any ideas / suggestions on getting such a small refi.
They also changed my due date from the 9th to the 1st - making the Payment due today, green Tree is already calling about the payment being late. I've only gotten notification from BOA - I don't even know my account # for the new place, yet... No statement. Nothing.
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