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Policy Changes aka eNotes are Here! New Paragraph 11 in Promissory Notes. — Deadly Clear

We’ve discussed UETA and eSign and the significance of explicit consent…in most cases pre-2008…there isn’t any. Here is a Indiana case that is riveting: Good v. Wells Fargo. Read it HERE. In this case, Bryan Good stated that in this 2008 transaction there were apparently 2 notes. Wells Fargo asserts that Good signed an eNote […]

via Policy Changes aka eNotes are Here! New Paragraph 11 in Promissory Notes. — Deadly Clear

 

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Consumer Financial Protection Bureau Enforcement Contact Information

MAIN NUMBER: 202-838-NEIL (6345). Get a Consult! https://www.vcita.com/v/lendinglies to schedule, leave message or make payments. Our Services: https://livinglies.wordpress.com/2016/04/11/what-can-you-do-for-me-an-overview-of-services-offered-by-neil-garfield/ Register for Consultation here: https://live.vcita.com/site/lendinglies Have a Foreclosure Question? Get an answer NOW with the Foreclosure Information Service $49: https://live.vcita.com/site/lendinglies Fill out our FREE registration form at https://fs20.formsite.com/ngarfield/form271773666/index.html?1453992450583 Thanks to Cementboots who posted this information on the […]

via CFPB Enforcement Contact Information — Livinglies’s Weblog

Here is the contact information for the enforcement division of the Consumer Financial Protection Bureau.

Want help from the CFPB?

Attorneys for Plaintiff
Consumer Financial Protection Bureau

ANTHONY ALEXIS
Enforcement Director

CARA PETERSEN
Deputy Enforcement Director For Litigation

GABRIEL O’MALLEY
Assistant Litigation Deputy

Jean Healey
E-mail: jean.healey@cfpb.gov
Phone: 202-435-7514
Facsimile: (202) 435-7722
1700 G Street NW
Washington, DC 20552

Jan Singelmann
E-mail: jan.singelmann@cfpb.gov
Phone: 202-435-9670
Facsimile: (202) 435-7722
1700 G Street NW
Washington, DC 20552

Atur Desai
E-mail: atur.desai@cfpb.gov
Phone: 202-435-7978
Facsimile: (202) 435-7722
1700 G Street NW
Washington, DC 20552

Ocwen responds to Qualified Written Request

So you have sent a QWR (hopefully a good one that qualifies as a Qualified Written Request or Debt Validation Letter) and Ocwen responds with a shotgun approach intended to intimidate the lawyer or homeowner who reads it. I recently did an anlysis and drafted a potential response for another lawyer representing a homeowner. I […]

via Response to QWR Response from Ocwen Re US Bank as Trustee of….hmmmm — Livinglies’s Weblog

Ninth Circuit rules that Robins has Article 3 standing

BREAKING NEWS — For those of you that haven’t been keeping track of the differences of opinion between the U.S. Supreme Court and the U.S. 9th Circuit Court of Appeals in the Spokeo v. Robins case, the 9th Circuit panel has issued an opinion that the Plaintiff (Robins) did in fact allege a “concrete injury”. […]

via U.S. 9TH CIRCUIT RULES ROBINS HAS ARTICLE 3 STANDING! — Clouded Titles Blog

Bank of America will pay $6 million to Erik and Renee Sundquist

And I remember reading this story… Bank of America Corp. has agreed to pay more than $6 million to a California couple whom a federal judge said had been harassed and illegally foreclosed upon by the bank’s mortgage unit, ending an eight-year-long dispute. The proposed settlement between the bank and Erik and Renee Sundquist would […]

via Bank of America to Pay $6 Million to Bankrupt Couple Evicted From Home — Justice League

The fact that Bank of America has agreed to pay $6 million to Erik and Renee Sundquist indicates to me that they were worried about their chances of prevailing on their appeal.  However while $6 million may seem like a lot of money to myself and many other people to a mega-bank like Bank of America it is “chump change”.

Wells Fargo is being sued by mortgage borrowers

More problems for Wells Fargo: Wells Fargo Bank has been hit with a proposed class action accusing it of collecting tens of millions of dollars from Texas borrowers who paid off their mortgages early without providing required disclosures about how to avoid the charges. Filed on Tuesday in Oakland, California federal court, the lawsuit said […]

via Borrowers sue Wells Fargo over paid-off mortgage interest — Justice League

The Housing Bubble is about to pop

“This isn’t your father’s housing and mortgage market- Mark Hanson, Real Estate Analyst https://www.mhanson.com/ In 2007 the largest housing bubble in American history was inflating and literally popped overnight. The Mainstream media would prefer that you focus on the DC Circus Show than on the Case-Shiller charts that indicate that 2017 looks eerily familiar. In […]

via Housing Bubble II: Bubble, Bubble, Toil and Trouble — Livinglies’s Weblog

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