Last week, I was a speaker at the National Bankruptcy Institute. During my presentation, I was describing how the banks were literally driving around this country, breaking into homes and doing whatever they damn well pleased….with no consequence and no penalties whatsoever. A woman in the front row became angrily indignant. She directly challenged me and all but called me a liar….in front of an audience of about a hundred attorneys.
I didn’t lay into her as directly as I could have, but she certainly got 100% of my attention. I was more than happy to rattle off to the crowd all the very specific cases that I am directly involved in. And then other members of the audience jumped in and started sharing their experiences…..she was literally shouted down. Needless to say this woman was put in her place.
And just this morning, I received the following email. I want everyone to read it carefully. Think about the larger picture and the bigger policy implications…..
I received a letter from Chase Home Finance threatening to break into my home, change the locks for “our protection and your own”.
According to Chase, my home is vacant and unoccupied, though apparently the lights being on, the car in the driveway, and my wife was weeding our property at the time they drove by or their agent drove by didn’t convince them of this fact.
On several occasions, Chase has sent people who refused to identify themselves by name, to enter the home, or have walked around the property freely photographing the front and back of the property even though they were told to leave as they were trespassing. In one instance, one of their workers tried to pop the Medico lock up front, and I had to warn the guy I would shoot through the door if he did not leave the property at once.
Like your client, the Sheriff’s Office refused to respond to the call until I told them I would shoot the intruder, no matter who it is. Citing the “Stand Your Ground Law”. That got them out.
I suspect that the reasons for Chase’s actions are simple. My home was once worth $310,000 and it has now been assessed by the property appraiser at somewhere between $97,000 and $127,000.
Though I have paid well over $100,000 on the purchase price, this does not affect Chase’s insecurity complex. At least 1/2 of the homes in the neighborhood have suffered a foreclosure, and today low class tenants occupy the “hood”. What was once a wonderful neighborhood full of cops, firefighters and paramedics, ATF, and DEA agents is now a jungle.
So I suppose I should begin by saying I never asked Chase to finance my purchase. That was World Savings Bank. My original commitment letter stated 4.84 percent APR, but they strung me out, or should I say the mortgage broker did, and on the date of closing, the last day to close, with a sizable deposit, Chase appeared with a “take it or leave it” 5.99 percent APR loan. World Savings Bank was nowhere in sight.
In other words, I was forced to accept Chase as my lender at closing. When I contacted World Savings Bank and complained, they claimed that they had no idea that Chase got the loan, and blamed the mortgage broker who, apparently, sold my loan for a higher origination fee or simply got bribed to switch me into a more expensive loan.
Immediately after closing, Chase threatened a foreclosure because according to them I would not insure the entire amount of the loan, rather than replacement value of the building.
They wanted the building and land insured. I tried to explain to them that you can’t just insure for the entire loan amount, as its illegal to do that and insurers were not going to do that.
This cat and mouse game, including extremely expensive $14k a year insurance premiums continued through 2009 and part of 2010. Of course now they are claiming the same.
Last Saturday I received a letter, again from Chase threatening to break in, change locks and “winterize” my property to protect it.
I find it ironic since its not Winter, and more specifically why change existing locks if the property is occupied and adequately protected?
I fear that there are two laws. One for the common man and one for the too-big-to-fail banks. Somehow I feel the situation is inequitable.
The rule of law is dead in America. It is simply used to advance political agendas and ideology, punish those that resist, enrich the masters of our fiat government, and further the interests of those that plan to enslave us.
Until, we as a group file criminal complaints against the robo-signers, the forgers of manufactured affidavits and assignments, and those breaking into homes, nothing will change. Until we file class actions lawsuits against these lenders and the fraudsters that represent them, nothing will change.
The way things are now, the lenders and fraudsters have nothing at risk. Until we put them at risk of jail time and or financial penalty for their actions, nothing will change.
The same thing goes for the state attorney generals. They do not have the constitutional authority to “void” the rule of law and let the fraudsters off with a slap on the wrist. They took an oath to uphold the Constitution and defend the rule of law. If they refuse to do that, they are violating their oath of office and must be re-called. We need to call our attorney generals and remind them of this.
As long as we stay on the defense, refusing to go on the offense, and take the necessary actions to put these fraudsters and elected officials at risk, nothing will change.
Awesome post, I am in disbelief that it has come to this in America.
Saturday I sent the following email to President Obama:
Mar-12-11
“President Obama,
I believe America should help the rebels in the 2011 Libyan uprising. Please provide immediate US tactical air support, arms for the rebels, money and medical help. Muammar Gaddafi must go, along with his corrupt ruling family. This is your 3:00 AM crisis phone call. Answer it NOW! SUPPORT THE REBELS! I put this call to action on my website https://yousue.org/
I volunteer to personally serve in harms way to help the rebels. Since I am 55 years old I will need a waiver which you can provide. Thank you.
Sincerely,
Neil Gillespie”
In addition to helping the Libyan Rebels, Americans need training in revolution for what is coming in this country. Our founding revolution was our Declaration of Independence July 4, 1776. Those patriots are long gone. Those of us old enough may recall Dr. Martin Luther King who freed the remaining Americans, the descendants of people of African descent imported into the United States and held as slaves. Otherwise heroes like Mohamed Bouazizi whose self-sacrifice liberated Tunisia and later Egypt are current examples of the Human Spirit over oppression and injustice for all people of conscience.
Neil Gillespie
Ocala, Florida