Who do you support for U.S. Senate in...

Since: Dec 11

Location hidden

#31803 Jan 8, 2013
waco1909 wrote:
<quoted text> Since i'm older than you....what does that make me? The old broken-down-groom?
Remember someone on here called me an "old hag"?" I embrace my age and when I told my husband what I was called, he just laughed and said "he hasn't seen my old hag yet and I'm quite happy with you and that's all that matters." I could have called you the "groom of doom", but you're much better than that, of course, I don't have to live with you...LOL!!! Lu's a good woman and what's the saying "behind every good man is a good woman"? I'd say, you have pretty good backup with Lu. I know this sounds all hokey and whatever, but I love to read Silver's posts when he speaks of his wife; he's crazy about her and it's so sweet. It reminds me of how my husband is about me. In other words "I might be an old hag, but I'm his old hag and he loves me just the same".

“Arch Nemisis of Democrats”

Since: Jun 12

Location hidden

#31804 Jan 8, 2013
waco1909 wrote:
I Hate Piers Morgans guts.So to speak! Any of you NC people got anything to say about Morgans comments about the NRA and the republican party? Anybody signing the petition?
Piers Morgan, a British foreign national, comes to America and bad mouths Americans. No suprise there. Easiest way to beat Piers is to change the channel and make him irrelevant.

No ratings = no payday.

“Vote”

Since: May 12

Location hidden

#31805 Jan 8, 2013
Makin bacon wrote:
<quoted text>
Whoa buddy, you had me scared there for a minute!!! I'm all good with you and Lu tying the knot, but hopefully and no pun intended, I hope one of you have had the "knot tied"!!!:)
Sorry.Both functional!

Since: Dec 11

Location hidden

#31806 Jan 8, 2013
emlu wrote:
<quoted text>It will be a very simple event, I'll let you AND my sister have the honor.
You've got a deal!!

“Vote”

Since: May 12

Location hidden

#31807 Jan 8, 2013
Looks like my best man is going to be Asia somewhere.CAN'T WIN them all!

“Vote”

Since: May 12

Location hidden

#31808 Jan 8, 2013
I'm learning new things every day, Bacon.And, at my age! Its amazing how one person, can so change a mans outlook on life....one good woman...
TSF

Fayetteville, NC

#31809 Jan 8, 2013
And what morally bankrupt group of congress persons fought tooth and nail to stop enforcement of existing regulations? That would have been the republikans. Fraud has always been illegal, even when the banks made it standard operating procedure. Only a republikan would agree with banks forclosing on homes that didn't even have a mortgage, or on homes that were current on payments.
Silvercoastcorks wrote:
<quoted text>
Banking deregulation was signed into law by Clinton, a democrat.

“Vote”

Since: May 12

Location hidden

#31810 Jan 8, 2013
Texas has nine billion dollar budget surplus....told you guys.....Bobby?.....plenty of jobs, plenty of construction, plenty of money, plenty of people that love their guns...and want more....

Since: Dec 11

Location hidden

#31811 Jan 8, 2013
TSF wrote:
And what morally bankrupt group of congress persons fought tooth and nail to stop enforcement of existing regulations? That would have been the republikans. Fraud has always been illegal, even when the banks made it standard operating procedure. Only a republikan would agree with banks forclosing on homes that didn't even have a mortgage, or on homes that were current on payments.
<quoted text>
TSF, I'm not saying it's a lie, but how do you foreclose on a home without a mortgage. Did the homeowners not have the deed to their home to present or what? We've all had incidents where there's miscommunication about a payment, but how were homes foreclosed on when payments were current? Foreclosure takes at least three months of missed payments before it's considered to be in default. Did banks not alert these homeowners that somehow their payments had not been credited towards their mortgage and did the homeowners not have proof they had made payments? I know there were "waiting lines" to file for foreclosure, which actually benefited the homeowner if he was short on cash, but didn't know about foreclosing on homes paid in pull.

“Arch Nemisis of Democrats”

Since: Jun 12

Location hidden

#31814 Jan 8, 2013
TSF wrote:
<quoted text>And what morally bankrupt group of congress persons fought tooth and nail to stop enforcement of existing regulations? That would have been the republikans. Fraud has always been illegal, even when the banks made it standard operating procedure. Only a republikan would agree with banks forclosing on homes that didn't even have a mortgage, or on homes that were current on payments.
And as usual, you only cite opinion and nothing specific. Keep beating the dead horse, have linked all I am going to link on the matter.

“Arch Nemisis of Democrats”

Since: Jun 12

Location hidden

#31815 Jan 8, 2013
Makin bacon wrote:
<quoted text>TSF, I'm not saying it's a lie, but how do you foreclose on a home without a mortgage. Did the homeowners not have the deed to their home to present or what? We've all had incidents where there's miscommunication about a payment, but how were homes foreclosed on when payments were current? Foreclosure takes at least three months of missed payments before it's considered to be in default. Did banks not alert these homeowners that somehow their payments had not been credited towards their mortgage and did the homeowners not have proof they had made payments? I know there were "waiting lines" to file for foreclosure, which actually benefited the homeowner if he was short on cash, but didn't know about foreclosing on homes paid in pull.
I would not waste the energy of arguing with the alleged former non card carrying IBEW union worker without a local turned self made millionaire that wants mitt to pay what he pays in taxes. Must be tough being the only fry cook in lillington. Get down spout springs way much TSF?

“Vote”

Since: May 12

Location hidden

#31816 Jan 8, 2013
AIG says....they are going to sue the US government.....the Taxpayers.....who bailed them out to the tune of 182 billion dollars....because they were charged...too much interest...hmmm....say they have to look after the stockholders best interests...

“Vote”

Since: May 12

Location hidden

#31817 Jan 8, 2013
Silvercoastcorks wrote:
<quoted text>
I would not waste the energy of arguing with the alleged former non card carrying IBEW union worker without a local turned self made millionaire that wants mitt to pay what he pays in taxes. Must be tough being the only fry cook in lillington. Get down spout springs way much TSF?
You know, I don't remember a damn thing about which union local I was in....just the APWU in Houston.....don't even recall if I carried a union card...I do know that I won all my grievances.....postal management was lower than pond scum...twenty years down the drain.Twenty years of being an automaton.
TSF

Fayetteville, NC

#31818 Jan 8, 2013
In 2009, retired police officer Warren Nyerges and his wife, Maureen Collier, paid $165,000 cash for their 2,700 square foot home in the Golden Gate Estates subdivision, and never took a mortgage out on it. So imagine their surprise when, in February of 2010, Bank of America initiated foreclosure proceedings against them. The Nyerges hired an attorney, Todd Allen, to defend them against the wrongful foreclosure, and the bank eventually abandoned the matter.

But not before the Nyerges incurred $2,534 in attorney’s fees, which they requested informally from Bank of America multiple times before resorting to the courts, which ordered the bank to make the couple whole. When B of A still had not paid the judgment after five months of phone calls and letter writing by Allen and the Nyerges to the bank insisting that the court order be obeyed, Allen took the next step in the legal collection process, obtaining an order of foreclosure against the bank.

Read more: http://business.time.com/2011/06/06/homeowner...
TSF

Fayetteville, NC

#31819 Jan 8, 2013


John Suayan, Southeast Texas Record
Claiming its property in Galveston was wrongly foreclosed, American Furnishing Inc. has filed suit against Bank of America N.A. and BAC Home Loans Servicing LP.
The plaintiff argues that Bank of America had no lien on the property in question and the defendants covertly planned [...]
TSF

Fayetteville, NC

#31820 Jan 8, 2013
A few weeks after newlyweds Mark and Brooke Barnum made their first mortgage payment on their new home, Wells Fargo Bank insisted it didn't receive the payment. Mark Barnum had used his Chase Bank online bill-pay account and printed the proof of payment sheet to show Wells Fargo. After some back and forth, neither bank knew where the money had gone. The Barnums began receiving phone calls from collection agents talking about late fees and foreclosing. Not until Mark called ABC 7 did the mess get cleared up. Chase had sent Mark's payment to the wrong company

Read more: http://www.businessinsider.com/foreclosure-ho...
TSF

Fayetteville, NC

#31821 Jan 8, 2013
Charlie and Maria Cardoso paid for their future Florida retirement home with cash in 2005. The couple, who still lives in Massachusetts, had their home foreclosed on by Bank of America five years later this past February... but the bank had the wrong house.

The tenant renting the house from the Cardosos called the couple last July when three men showed up to clean out the house and change the locks. Charlie Cardoso talked to the Bank of America real estate agent who said he would tell the bank that they had the wrong house. But a month later a landscaper hired by Bank of America showed up to mow the lawn, causing the tenant to get worried and move before Christmas.

It gets worse. In January the bank put a lock box on the front door. When Charlie Cardoso drove down to Florida to to convince the bank they had the incorrect address on the foreclosure documents, he missed his son's homecoming from Iraq.

The couple had kept photos, clothes, tools and other items at the home. Everything had been removed and was presumably lost, they say.

The Cardosos have filed a suit against Bank of America for $500,000 and charging the company with defamation and libel.
TSF

Fayetteville, NC

#31822 Jan 8, 2013
Leonard Spears is 5-feet, 6 inches tall, balding and African
American, but Wells Fargo, when serving a summons to foreclose on the
Rochester home he'd been fixing up, apparently served a 6-foot man with
blond hair. Spears, of course, says he was never served, and Wells Fargo
has a history not only of predatory lending (it paid an $85 million
fine for pushing borrowers who were qualified for better loans into more
risky subprime loans) but of foreclosure fraud as well.

“It took me three years to convert it into the way it looks now, I
did a lot of wiring, tore down all the walls, gave up my social life
completely because I was dedicated to do this, because this is like the
American Dream, to own property, so it was very exciting,” Spears said.

To make matters worse, it turns out that Wells Fargo wasn't even the owner of the note, but merely the servicer. And then, when the foreclosure did go through, the home was sold
to the Federal Home Loan Mortgage Corporation (commonly known as
Freddie Mac) for all of $500. Yet Spears wasn't able to modify his
mortgage to stay in his home.“I was willing to pay way more than $500,”
Spears said.“What kind of justice is that?”
Taxpayer

Rougemont, NC

#31823 Jan 8, 2013
The Communist minded people speak of traditional moral values and free-market capitalism, and say you are “against collectivism, socialism and communism.” But the government and its policies you support and the way they want to implement their “values” shows that their government really represent the collectivist, socialist and communist pots calling the kettle black.
Natural law and traditional moral values shows that such values naturally coincide with private property rights, self-ownership, freedom of association and freedom of contract. Many of today’s governments Fed and State, support government policies in which the individual and one’s property are really owned by the community, and by the State. They also support an always-growing centralized federal government to impose the will of elite special interests onto Free people.
Democratic socialism is public ownership of the means of production (that includes the people, thus a collective ownership of the individual), and includes central government control and confiscation and distribution of wealth. This is outright communism, it is the cumulative result of the always expanding power and control by the central government over the people, industry and wealth, in which the State is the total owner of all property and the people. The reason I am constantly referring to the United Socialist Authority as “USA” is because America today is a Soviet-like, police-state dictatorship, in which the central government in Washington owns and controls all the property and wealth within the territory.
Americas now find themselves in a merging of their identities with the centralized, authoritarian regime in Washington, which has gotten to be just like the communists they thought they opposed and hated. And in their supporting the U.S. government’s terrorizing of Americans, they have become just like the terrorists with whom they think they are at “war.”
TSF

Fayetteville, NC

#31824 Jan 8, 2013
example of the broken servicing market.


Joe Manzo and Lisa Stowell paid off their mortgage – in full – late last year.

But their lender threatened to foreclose anyway.

“There was no doubt that it was paid off,” Manzo said.“I just assumed that the bank was lagging behind and maybe the system was running every 30 days and it would be corrected.”

But that didn’t happen. Instead, they say, West Palm Beach-based Ocwen Loan Servicing charged them about $2,000 in penalties because they stopped monthly mortgage payments.

There is no way fees should be applied on a paid-off mortgage. None. Zero. Ever. It speaks to a fundamental breakdown in the entire concept of servicing. The servicer has no other job than to process payments. If they get full payment on a loan, and there was no prepayment penalty involved, that’s it. Their job is done. They pay off the loan and push the paperwork forward. In this case, Ocwen neglected that payment, held the money in an escrow account for flood insurance (a $400 annual payment; the couple sent in almost $45,000), and started applying late fees to the unpaid principal balance. They are just blatantly trying to rip off this couple by pushing them into default.

This happens with disturbing frequency. I’m sure Ocwen will call it a “mistake.” In fact, they did in the article. But it’s not a mistake. It’s a symptom of a broken servicing industry. Remember the HUD IG report on servicer abuse? Remember the review of 36 affidavits for foreclosures by JPMorgan Chase, where they couldn’t find correct documentation for the amounts owed on 35 of them?

Manzo and Stowell just wanted to pay off their mortgage, and they almost went into foreclosure. They couldn’t fire their servicer and take their business elsewhere; the servicer was chosen for them, by virtue of the sale of their mortgage.

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