my mortgage company doesn't love me

[cassandra and sara's daddy]

when i tell them that i am recording our call they disconnect.  they are hurting my feelings
funny how its ok that they are recording it but get all funny about my recording the same call

[roo_ster]

when i tell them that i am recording our call they disconnect.  they are hurting my feelings
funny how its ok that they are recording it but get all funny about my recording the same call

Are you required to tell them?  Most states as long as one party knows, you're good to go.

[vaskidmark]

It's not the legality of the recording that's hurting Big Mortgage's feelings.

Telling the company on the other end of the phone that you are recording them is a great way to see how much confidence they have in their own business.  If they are not willing to be on the record then you ought to be wondering why not.  Especially if they tell you they are recording you!

Go get them, c&sd.

stay safe.

[Jamisjockey]

Is there a reason you're messing with the mortgage company?

[cassandra and sara's daddy]

Is there a reason you're messing with the mortgage company?

yea been arm wrasslin em over a insurance claim check. they won't get off it to enable me to build a shed that collapsed last year. they wanna treat it like a big project with 1/3 draws. its 8500 bucks about 4 days work with 4 k of it materials. i don't want to be 1/2 way up then wait 2 -3 weeks for them to inspect and send another check. won't work well with a pole barn. we had trouble from the start they lost the check and paperwork twice. now i've got the time and i'm getting ready to head hunt em hard. have an appt with the hud ig and they are scared.  wait till they meet my kid sis.

[Jamisjockey]

Ah gotcha.

[cassandra and sara's daddy]

9:01 and the mortgage company just called  my check will be cut today in the mail tommorrow

think this email helped?

This is my next step
http://consumerist.com/2011/02/how-this-philly-homeowner-foreclosed-on-wells-fargo.html
I will not be pro se  I have the advantage of a kid sis Yale law school class  of 86.Who spent 15 years specializing in real estate law before she went into teaching it.  we will be posting our efforts on the web as a guide and to encourage  others.  I have initiated proceedings with the HUD inspector general as well as contacted the local and national media to shop the story. So sad when all i ever wanted to do is rebuild my shed with the money my insurance company sent and you folks continue to hold. Your choice. I will be seeking additional damages.

this one?

resolving this is simple  send the check  she could try emailing me  i work nights sleep days  i will be awake friday and in my congressmans office for the face to face meeting with the nice man from the hud inspector general's office that he was able to expedite for me.  we have invited folks from the wash times and the post
  or this one?
called her twice today  left message once  will try again tomorrow   once i turn documents over to the hud inspector general on friday it will be out of my hands


i hate pnc
but i am on a roll first comcast  then this  and i have the private number of the newpaper publisher now to resolve further possible problems with his minions. i love the power of emails

[Monkeyleg]

You don't have to tell them that you're recording. A beep every X seconds is sufficient.

[Brad Johnson]

yea been arm wrasslin em over a insurance claim check. they won't get off it to enable me to build a shed that collapsed last year. they wanna treat it like a big project with 1/3 draws. its 8500 bucks about 4 days work with 4 k of it materials. i don't want to be 1/2 way up then wait 2 -3 weeks for them to inspect and send another check. won't work well with a pole barn. we had trouble from the start they lost the check and paperwork twice. now i've got the time and i'm getting ready to head hunt em hard. have an appt with the hud ig and they are scared.  wait till they meet my kid sis.

You're lucky they'll do it in draws.  Most won't do anything until you present them with and invoice for the completel project, with the invoice being from a licensed contractor.  It may be a pain but the easiest and fastest way would be to build the whole thing and present the final total get your money all at once.  It's still a PITA but it will only be one PITA, not two or three.

Brad

[MechAg94]

Is this insurance that you got in your name or is this insurance that the mortgage company got and bill you for in your payments?

[cassandra and sara's daddy]

the insurance the mortgage company bills me for in installments.  the insurance company that just got mthe supplemental claim that covers the additional damage done by my stuff being left out for longer.  the insurance company that i am encouraging to got after pnc for that amount. funny thing when i asked em under what legal authority they were holding the money they said we need to research that and get back to you in 30 days.  thats when i started the ball with the hud ig rolling.  apparently they made up the legal authority. on a claim larger than 10 k they can on this one they should released it when i gave em the contracts and estimates   back in may  instead they did the thirds nonsense.  much fun to see insurance company go after mortgage company.  i've already told state farm that i will not wait and have lawyer prepared if they delay claim.

[Brad Johnson]

  apparently they made up the legal authority. on a claim larger than 10 k they can on this one they should released it when i gave em the contracts and estimates

Most won't do a blanket release to the homeowner.  They want to make sure that the property is restored to its previous condition and will jump through some pretty serious hoops to ensure the homeowner doesn't just pocket the funds and take a trip to Hawaii on them.  Don't be surprised if they make the released funds payable ONLY to the contractor(s) listed on the invoices/contracts.

I don't particularly care for the way they do things, but can't blame them for wanting to protect their investment.  If I were the one loaning thousands to someone I'd never met I'd probably be the same way.

Brad

[cassandra and sara's daddy]

i'm the contractor.  the only check i needed was for 3 k to 84 lumber.  i'm already 1 k over the first release just in demolition and site prep.  they stepped on their own crank  they have written guidelines that state partial releases for amounts over 10 k  mine was 8 and change

[cassandra and sara's daddy]

hey who can figure i was low bidder amongst the contracts.  ironically i could easily have gotten bids that fall within their guidelines and worked em over.  but i didn't i can take the check and build considerably more/better than what was there. and without taking the insurance company or anyone else to the cleaners. state farm has been great  pnc?  bites  and in the end is doing exactly what i asked em to do 6 months ago  and i asked nicely. i think i will continue with the ig complaint just to pay em back

[Brad Johnson]

i'm the contractor.  the only check i needed was for 3 k to 84 lumber.  i'm already 1 k over the first release just in demolition and site prep.  they stepped on their own crank  they have written guidelines that state partial releases for amounts over 10 k  mine was 8 and change

If that's the case then send them an email with two things attached...

One, a scan of their own policy with the $10k limit circled just so they don't miss it.

Two, a letter written to the Attorney General of your state, CC'd to the state banking/mortgage regulatory agency, outlining how your situation falls within the compliance guidelines that the mortgage company is NOT complying with.  Getting the licensing body involved usually gets results pronto.

Brad

[cassandra and sara's daddy]

they already cut the check  but i will do as you suggest.  to encourage them not to do it again. its a shame i was really looking forward to turning kid sis loose. she like the raptors in jurassic park.

[vaskidmark]

You don't have to tell them that you're recording. A beep every X seconds is sufficient.

In Virginia, where c&s'sd lives, he is not even required to insert the beep tone as he, not some business, initiated the call.  VA is a one-party consent, no-notice, state as long as the recording is not being made by a commercial entity and the call remains intrastate.  That last part is what tripped up Linda Trip when she tried to entrap Clinton.

stay safe.

[Brad Johnson]

Only on inTRAstate calls.  Texas is the same way.  So long as one party knows the call is being documented, fine and dandy.

InTERstate calls fall under fed regs and require that all involved parties consent to the recording.

Brad

[cassandra and sara's daddy]

yea i was calling ohio so i notified.  now the other day when i was talking to the circulation director at the newpaper was intrastate and she already hated me and its about to get seriously worse