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FCC Approves New Rules to Block Robocalls — considertheconsumer

The Federal Communications Commission voted on Nov. 16 to allow telephone carriers to block robocalls that appear to be fraudulent—a particularly annoying and costly problem that has mushroomed in recent years. The ruling specifically targets calls that use so-called caller ID spoofing, which allows robocallers to manipulate information that shows up on caller ID to…

via FCC Approves New Rules to Block Robocalls — considertheconsumer

The Elephant in the Living Room — “No Action Arises From Deceit”

Livinglies's Weblog

For the past decade we have been dealing with the politics of foreclosure. The law of foreclosure has been pushed to the curb because of political decisions. Out of abject terror and total confusion the rule of law has been abandoned in favor of not angering the beast that brought ruin to millions of families.

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I think that it is time to talk about the elephant in the living room — that foreclosures are not so much about law — which  favors homeowners — than they are…

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Foreclosure: Debtor Who Fails to Pay Has an Uphill Battle Finding a Remedy Based on Procedural Defects-Deadly Clear

via Foreclosure: Debtor Who Fails to Pay Has an Uphill Battle Finding a Remedy Based on Procedural Defects




Wells Fargo overcharged hundreds of business clients: report

Just another example of the business model used by Wells Fargo which consists of screwing over every customer that they can.

Justice League

Wells Fargo & Co. WFC, -0.26% cheated a number of their foreign-currency exchange business customers by overcharging them, according to a Wall Street Journal report late Monday. According to the Journal, an internal review found that out of about 300 fee agreements, only 35 companies ended up paying what they were originally told the price was. Foreign-exchange employees received bonuses based on how much revenue they generated, sources told the Journal, and the bank charged unusually high fees. According to the report, the overcharging scheme relied on customers not double-checking how much they were charged, confusing fees and Wells Fargo brushing off complaints.

Read on.

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Deja Vu for Homeowners: 5 Flaws That Kill Student Loan Collection Lawsuits

For some strange reason mortgage debt seems to be considered sacrosanct. In my opinion one major factor is the the fact that the big banks and mortgage servicers are considered to be systemically important financial institutions.

Livinglies's Weblog

With the same false claims of securitization of student debt as purported mortgage loans it is apparent that the courts are treating students differently from homeowners. Although the defenses are identical students are gaining much more traction in collection suits than their counterparts who are battling foreclosure.

The article cited below appeared in the New York Times. It spells out the defenses that work for students defending collection suits on their student loans. Each one is the same as the proper defense of a foreclosure:

  1. The “creditor” cannot prove that it owns the debt. (Quote marks added)
  2. The “creditor’s” business records are not admissible.(Quote marks added)
  3. The debt is beyond the statute of limitations for collection.
  4. The “creditor” is not licensed to do business in the jurisdiction.
  5. The “creditor” failed to comply with court requests for additional information.

And all that means is that the “creditor” is not a creditor…

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Justice League


November 26, 2017

Washington, DC – The Acting Director of the Consumer Financial Protection Bureau, Leandra English, filed a legal action tonight seeking legal clarity concerning the Bureau’s leadership succession.

“The talented and hard-working CFPB staff stand up for consumers every day. As Acting Director, I am filing this lawsuit to stand up for the CFPB,” said Acting Director English.

Effective at midnight on November 24, 2017, Richard Cordray resigned his post as the first Director of the Bureau. At that point, Leandra English, the Bureau’s Deputy Director, became the agency’s Acting Director, the suit claims. The Dodd-Frank Act—the law that created the Bureau—mandates that the Deputy Director “shall” serve as the acting Director until the Senate confirms a new Director.

Read on.

Here is the lawsuit. Click here.

Who is Deepak Gupta? He is Ms. English attorney and was the former CFPB attorney.

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New FOIA Response from HUD Reveals 646% Increase in Foreclosures against Seniors in 2016

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