Author Topic: Sunday afternoon palate cleanser  (Read 1906 times)

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Offline warpmine

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Sunday afternoon palate cleanser
« on: June 05, 2011, 06:08:02 PM »
H/T Jazz Shaw who penned the commentary

http://hotair.com/archives/2011/06/05/the-obligatory-homeowner-forecloses-on-bank-story/

While it probably doesn’t mean a great deal in the larger scope of things, this is one of those weekend stories which will doubtless be passed around for a while. A Florida couple was served with papers by Bank of America for defaulting on their mortgage, informing them that they were facing foreclosure. Nothing unusual so far, right?

One problem: the couple paid cash for their house and had never had a mortgage. They had all the documents to prove it, too. This didn’t seem to deter the bank, so they wound up in court, running up substantial legal bills to straighten out the obvious paperwork error. The judge in the case ordered the bank to reimburse them for their costs, but five months went by without Bank of America making good on the debt. So the couple’s attorney did what anyone would do in such a case. He informed the bank that they were facing foreclosure and showed up with the sheriff’s department to lock the doors, seize their property and take the cash out of the tellers’ drawers.



It get's even better
Sweet justice at last! ::hysterical::
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charlesoakwood

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Re: Sunday afternoon palate cleanser
« Reply #1 on: June 05, 2011, 06:10:30 PM »

Ahhh, refreshing.


Offline Dan

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Re: Sunday afternoon palate cleanser
« Reply #2 on: June 05, 2011, 06:31:19 PM »
That is a happy ending alright!
“The American people will never knowingly adopt socialism. But, under the name of ‘liberalism’, they will adopt every fragment of the socialist program, until one day America will be a socialist nation, without knowing how it happened.” - Norman Thomas, U.S. Socialist

Offline BigAlSouth

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Re: Sunday afternoon palate cleanser
« Reply #3 on: June 05, 2011, 06:48:19 PM »
All I can say is this would never, ever happen in North Carolina. We have an adversary foreclosure system where the clerk has a hearing before allowing the bank to foreclose. If BOA did not have its paperwork in order at the clerk hearing, it would be dismissed. The bank has to serve all necessary parties with notice of the time and place of the hearing.

Stupid BOA. Stupid stupid.

I still don't get how BOA could have screwed the pooch on this. After all, the mortgage documents have to have the signatures of the borrowers. My guess is that this was an old loan on their house that had been paid off by previous owners and the bank just discovered a set of loan documents that had not been marked paid in full.

The problems we face today are there because the people who work for a living
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The enemy of my enemy is my friend; the friend of my enemy is, well, he is just a dumbass.

charlesoakwood

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Re: Sunday afternoon palate cleanser
« Reply #4 on: June 05, 2011, 09:01:18 PM »

IMHO. Of all the banks still in business BoA is the most difficult.
They are no longer a difficulty for me because I have severed all
relationships with them.


Offline LadyVirginia

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Re: Sunday afternoon palate cleanser
« Reply #5 on: June 05, 2011, 11:22:36 PM »
SWEEEEET
"And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor."

Offline BigAlSouth

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Re: Sunday afternoon palate cleanser
« Reply #6 on: June 06, 2011, 04:56:06 AM »
Why I quit First Union National Bank:

I was at the drive-through window making a deposit of one single check from a real estate closing for only about $5K. The teller told me I had to come inside the bank and speak to her manager. I thought something was wrong with the closing check. After waiting fifteen minutes, the manager came over to me and said "Mr. BAS, we have to put a three day hold on this check because of the amount." To her I said "You made me come inside and wait fifteen minutes for something the teller could have told me?"

Stupid stupid stupid.
The problems we face today are there because the people who work for a living
are outnumbered by those who vote for a living.
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The enemy of my enemy is my friend; the friend of my enemy is, well, he is just a dumbass.

Offline LadyVirginia

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Re: Sunday afternoon palate cleanser
« Reply #7 on: June 06, 2011, 08:55:05 AM »
"You made me come inside and wait fifteen minutes for something the teller could have told me?"

Stupid stupid stupid.

Banks specialize in making the customer wait.

"And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor."

charlesoakwood

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Re: Sunday afternoon palate cleanser
« Reply #8 on: June 06, 2011, 09:22:07 AM »

A bank that chokes on 5K is not much of a bank.


Offline Libertas

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Re: Sunday afternoon palate cleanser
« Reply #9 on: June 06, 2011, 11:40:35 AM »
Even in banking circles BOA has a sucky reputation.  It always seems well earned.
We are now where The Founders were when they faced despotism.

Offline warpmine

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Re: Sunday afternoon palate cleanser
« Reply #10 on: June 06, 2011, 12:50:54 PM »
Why I quit First Union National Bank:

I was at the drive-through window making a deposit of one single check from a real estate closing for only about $5K. The teller told me I had to come inside the bank and speak to her manager. I thought something was wrong with the closing check. After waiting fifteen minutes, the manager came over to me and said "Mr. BAS, we have to put a three day hold on this check because of the amount." To her I said "You made me come inside and wait fifteen minutes for something the teller could have told me?"

Stupid stupid stupid.
Yes, I was screwed by FUNB years ago when I went to sell my Vette, they refused to release the titlers because I owed them one payment(so they said) The payment in question was one that was duplicate posted to the previous month. The loan was taken out at Signet bank which was bought. I told them to go into the archives to check. Thy refused until some good soul investigated it. I got my lein release but the sale was gone.
A-S-S-H-O-L-E-S! ::gaah::
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Offline LadyVirginia

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Re: Sunday afternoon palate cleanser
« Reply #11 on: June 06, 2011, 01:34:54 PM »
Learned not to trust banks at an early age. 

When I was kid I went along with my dad to Wachovia to deposit a check for $19 and being the anal kid I was I pulled out a dollar from my wallet to make it an even $20 deposited into my savings account.  This being a passbook the clerk stamped $19 then $1 into my book.  Then next visit my dad deposited my babysitting money and they attempted to subtract the $1 with an explanation that it was incorrectly added to my account.  My dad explained it and they put the $1 back and so it went for 3 more visits at which time they gave up.
"And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor."

Offline BigAlSouth

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Re: Sunday afternoon palate cleanser
« Reply #12 on: June 06, 2011, 02:31:08 PM »
Learned not to trust banks at an early age. 

When I was kid I went along with my dad to Wachovia . . .

They don't call it "Walk Over Ya Bank"  for nuttin . . .
The problems we face today are there because the people who work for a living
are outnumbered by those who vote for a living.
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Offline LadyVirginia

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Re: Sunday afternoon palate cleanser
« Reply #13 on: June 06, 2011, 02:42:55 PM »
Learned not to trust banks at an early age. 

When I was kid I went along with my dad to Wachovia . . .

They don't call it "Walk Over Ya Bank"  for nuttin . . .

hahahaha

Does any place provide SERVICE any more? Or is it all an "us against them" mentality?
"And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor."

Online Pandora

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Re: Sunday afternoon palate cleanser
« Reply #14 on: June 07, 2011, 12:11:58 AM »
Learned not to trust banks at an early age. 

When I was kid I went along with my dad to Wachovia . . .

They don't call it "Walk Over Ya Bank"  for nuttin . . .

hahahaha

Does any place provide SERVICE any more? Or is it all an "us against them" mentality?

No; "customer no-service".  Yes.

Had our mortgage with BoA.  Went to pay off and the chickie doing the paperwork informs us we're to pay the full pay-off and we'll be mailed the escrow-held balance for taxes and insurance.

O rly.  I was born at night, but not last night, so, NO, "that will not be happening".  Me overpay and them sitting on my money for another couple months?  Nuh uh.  "I'll have to call my .......".  "Yeah, you do that."  She did.  It didn't.

I just have to get down to the County Courthouse and make sure the pay-off was correctly recorded.
"Under certain circumstances, profanity provides a relief denied even to prayer." - Mark Twain

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Offline BigAlSouth

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Re: Sunday afternoon palate cleanser
« Reply #15 on: June 07, 2011, 05:19:55 AM »
. . .
I just have to get down to the County Courthouse and make sure the pay-off was correctly recorded.

Check online: http://www.chathamncrod.org/

Save ya a trip to the "Big City".
« Last Edit: June 07, 2011, 09:32:36 PM by Pandora »
The problems we face today are there because the people who work for a living
are outnumbered by those who vote for a living.
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The enemy of my enemy is my friend; the friend of my enemy is, well, he is just a dumbass.

Offline Libertas

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Re: Sunday afternoon palate cleanser
« Reply #16 on: June 07, 2011, 07:24:36 AM »
In another life I was in banking, local large regional bank...the whole thing started back in the late 80's, save on overhead by reducing the number of people in the front office, you know, those people who used to provide us services, in favor of ATM's, telephone banking (now online banking) and customer service centers...lot cheaper, more reliable and less chance of fingers dipping into the till.  I recall the resistance, long lines to access the few tellers on the job, while old teller windows sat vacant.  It has just gotten more automated since then, people are numbers, not people, and only transactions matter.
We are now where The Founders were when they faced despotism.

Online Pandora

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Re: Sunday afternoon palate cleanser
« Reply #17 on: June 07, 2011, 09:33:39 PM »
. . .
I just have to get down to the County Courthouse and make sure the pay-off was correctly recorded.

Check online: http://www.chathamncrod.org/

Save ya a trip to the "Big City".

Thanks, BAS. 

Did a little editing there, if you don't mind, to keep the online info to a minimum.
"Under certain circumstances, profanity provides a relief denied even to prayer." - Mark Twain

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Offline John Florida

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Re: Sunday afternoon palate cleanser
« Reply #18 on: June 07, 2011, 10:55:58 PM »
In another life I was in banking, local large regional bank...the whole thing started back in the late 80's, save on overhead by reducing the number of people in the front office, you know, those people who used to provide us services, in favor of ATM's, telephone banking (now online banking) and customer service centers...lot cheaper, more reliable and less chance of fingers dipping into the till.  I recall the resistance, long lines to access the few tellers on the job, while old teller windows sat vacant.  It has just gotten more automated since then, people are numbers, not people, and only transactions matter.


  Years ago back in CT my wife insisted we open an account with a bank just because it was on her way to work. I had to go in and do some banking and the lady at the window told me that the bank had instituted a policy that if we went inside and a teller had to do talk to us that we would be charged 2.00 dollars as a bank fee for service.



  I told her to charge me the 2 bucks and close my checking and savings accounts there.She told it would not come to that if I used the drive up I responded with isn't it a person at the drive up?

 She got flustered and went to the MGR.She asked if there was a problem she could help with,I asked her what the fee was for helping with a problem?She looked at me like she didn't understand. I told them that when a bank I do business with start charging me for a service like making a deposit from the inside of the building it was time for me to find a new bank.

 She told me she would wave the fee I told her to write me a check that she didn't have to wave anything.Then she asked why I was still closing my accounts I told her that it was just because that they thought it was going to be they way they thought it was going to be. I then told her that as long as it was my money I still had  a say in what happened.

 The I went and opened accounts with a small local bank and lived hapily ever after.Of course I had spaining to do with the wife but she was OK with it when I told her what happened. And shortly after Connecticut bank and trust became Bank of Boston.
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charlesoakwood

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Re: Sunday afternoon palate cleanser
« Reply #19 on: June 08, 2011, 12:08:09 AM »

State laws are different but today most of mine is with State bank.  I call on the phone and a human answers, "hi, Mr. Oakwood or Charlie and business is smooth and pleasant.