Bank of America recorded call regarding foreclosure Part 1 of 2

[Chris24hrbail]

Fuck the banks!

[jinn13]

These reps are usually high school educated and quite stupid. Thank heavens for ATM's and online banking. Foreclosure with phone calls, forget about it.

[skot66]

B of A can burn.

[jwerner79]

@skot66 And as much as we'd like to piss on them, be sure not to do that because we do not want to put out the flames.

[gidespeach]

Jesus, what a friggin' nightmare. This bullshit happens to millllllions of people. Ridiculous.

[troybrownrigg]

In non recoarse states, just walk away. Do it before 2012, before the change in capitol gains comes back!They can't do anything, if you want to remodel it with a hammer they can't do squat! True your credit history will have a black mark on it for 7 years, but they get the house you get the boot!

[jwerner79]

@troybrownrigg Strange.

[troybrownrigg]

@jwerner79 Nothing strange about it, Bush passed a law excluding gains on foreclosed properties until 2012. These people makings 100k losses to the bank after that time will be liable for the tax gains after 2012.Therefore expect a huge wave of foreclosures as Fannie /Freddie will sale thousands of them to goldman sachs who will dump them onto the market . Nothing is getting better and the time line is set up! My Sister in law loves Bush he saved her about 90k in taxes on her flip a house.

[jwerner79]

@troybrownrigg It is strange because a crime has been and is continuing to be committed by Bank of America and their attorneys (likely with judges too), yet someone is actually advocating a way to push their crime under the rug? Disgusting.

[troybrownrigg]

@jwerner79 Like all of wall street, many companies have failed, and went into backruptcy over this! Rarely if every is a crime ever prosicuted. Nothing will ever happen to anyone at any of these companies except for a fine which won't even cover 5% of what they steal, and no jail time. Therefore in these non recoarse sttes if they get screwed over, it's just karma coming back to haunt them! The US has been bankrupt for so time now as jobs go away it only gets closer until it hits!

[jwerner79]

@troybrownrigg Two things ...

1. Criminal banksters are being criminally prosecuted as well as civil prosecutions by customers and the SEC. The criminal stuff, well, it's certainly slow, but prosecutors are absolutely compelled to criminally prosecute bank executives.

2. There are other ways to resolve issues with banksters rather than what you are recommending such as taking the venue to law enforcement (I have done that), filing civil actions, protesting in front of their branches, and more.

[kenfo0]

@jwerner79 I'm sure your idea that someone from big biz will do jail time is fascinating on your planet. your weak link is, this is earth.

[jwerner79]

@kenfo0 I sure as hell do not want to foot the bill to hold those criminals in prison. We simply need to close their operations and get restitution for the victims.

[kenfo0]

@jwe nonsense. you "foot the bill" for crackheads and every other manner of criminal. why should corp execs be different? "The Bank" is not evil. It is....nothing, w/o people. Enforce laws, chuck evil-doers in jail, continue banking. It's not rocket science. My point was that I have stared into the abyss. Yep, it's real dark. Periodically, someone who is no longer in vogue, or who doesn't have enough money/friends will be attacked by the govt to "show we're enforcing law". They aren't.

[troybrownrigg]

@jwerner79 I don't now about you, but average Joe can't afford a lawyer. The system is nothing but a total waste of time with uncertain results. Garenteed results Pocket the mortgage money, stay in the house as long as possible, remodel the house before leaving it (strip it) take everything you need to your next location. As an investor in theses banks etc. all I got was lawsuit paperwork on just about every company I invested in Most are bankrupt. The Banks ripped off shareholder and borrower

[kenfo0]

@troybrownrigg your "advice" will screw over anyone in a "deficiency" state, dope. In a "deficiency" state, if the property sale does not cover the debt, the bank can continue to attack your assets in court. If one "strips" or destroys the house, they could very well be destroying themselves. Here is sage advice for people: Check facts, don't believe "feel good" statements from fools on the internet.

[troybrownrigg]

@kenfo0 Dear dope head Arizona & Nevada are non recoarse states. The Banks only recoarse is to take bake the property. They may only sue for back taxes, and past due interest. Therefore dopehead if one isn't late on any payments destroys the home in a remodeling effort.Your dearset Bend over America bank is just out. I foreclosed on a couple tried to sue for damages the Judge told me point blank it was there home to do with as they please. Therefore only the banks are screwed in at least my AZ.

[kenfo0]

@troybrownrigg lol...so I'm the "dope-head" because you can't spell "recourse"! HAHAHAHA. Yeah, I know little girl "it was a typo"....just like all the rest. Your advice is worth as much as you get paid to spell correctly. *Pssssst.....that's "nothing", dummy*. I figured I better explain that before you went off calling the IRS for previous years filings for "spelling income". HAHAHAHAHAHAHAHAHAHA

[kkc57]

This Bank has deep pockets they run the country - support the political parties

run the whole system They have the money - Money talks

[UnitedCorpOfAmerica]

Sadly, there's a chance that lady will receive the same call after BOA commences with thousands of layoffs.

[simrat91]

seriously, i understand that the guy is pissed. but the lady isn't the one taking his money. she's working to pay her mortgage too, im sure she hates having these phone conversations with people yelling at her but she needs the money too, like all of us.

[jwerner79]

@simrat91 Bad excuse.

[skot66]

FUCK BOFA



[angeredsmile2]

Wow sorry for this, I feel your pain!

[LenoraForest]

I hear your frustration. This bank is evil. I will celebrate if/when they fall.

[jwerner79]

The obvious reason why the criminal bank (BAC) is still in business is because they are too big to fail, whereas the regulators and law enforcement are scared of what would happen when BAC gets shut. Thank you very much for your strong and veracious comment.

[MegaRundown]

Why is this bank still in business? All their employees lie. Bank of America pushes you to making a foreclosure on your house. They call you like a thousand times. This bank is from India. The name of this bank should be change. It shouldn't be allow to use the name America. I hate this bank.

[justbreatheify]

hahahahhaaa i LOVE that he's blatantly laughing at her, awesome!

[akablue17]

Pay your bills and you wouldnt be dealing with this, ASS...

[jwerner79]

@akablue17 You should definitely review the evidence before you make such an accusation that a person should "pay your bills and you wouldnt be dealing with this." Bank of America, for example, has even admitted to committing federal and state crimes and admitted to committed fraud on courts and records offices. Thank you.

[ColemanMeghan]

Are you just removing comments that point out the fact that you are an idiot?

[jwerner79]

@ColemanMeghan I've been quite liberal in allowing supportive comments and stupid unsupportive comments, so that people can freely say what they wish.

Jesus Christ though has the last word, and it is not pretty for the crook banks.

[lomozizzle]

yes EVERYONE close your account and go one step further, join a local CREDIT UNION where your money stays in your community and you get dividends and help make decisions, not just Bend over America, but every other too-big-to-not-fail corporate bank that owns our government! watch out WellsFargotmymoney and Chaseaftermymoney we are come'n to get ya!

I am a grandmom from Texas and I am fighting back!

[ctproductions11]

they do have to up date the note no matter how long you told them. you can call to find out what is going on in the rules of BAC. she is trying top update and you wont tell her anything. the only thing she can see is what is in frount of her. if it says it didnt talk to you since feb then you prolly talked to another dept. CW sold a lot of loan to BAC. all you had to do is say some yes and no. 238.33??? really i would love for my rent to be that why are you selling it.. she is doing a job!!

[jwerner79]

@ctproductions11 No. She was "updating" her attorneys for the place where their new jurisdiction was in their attempt to steal. The thug attorneys use that information to twist their claim against defendants in court because lying is the only thing they know how to do and lying and tampering are the only ways they even have leverage.

[mssquirrely]

LMAO! at 5:35

[mssquirrely]

Those FAKE azz reps know NOTHING.....They don't know what's going on from one day to the next. 

[taikendive]

they have the SOP as WFF(wellsfargo) the computer says call so they call . doesnt matter what was said last time even if it was only 5 mins ago.

[jwerner79]

@taikendive Cool. So you work for Wells or BofA?

[taikendive]

@jwerner79 .. omg no.. had a loan w/ WFF .. when ur working they do what they can to delay ur paying them but miss a payment and u can expect a call every day by a new person . asking the same 20 questions while madly typing. some tend to get a little upset when u dont let them ask their questions, or suggest tht their sending emails or im.ing their bff...

[jwerner79]

@taikendive And of course they act like magicians hiding their defaults on contracts with borrowers.

[mrhowardb]

GREAT post man....Thank you. These people are absolute idiots. What an incredibly stupid operator....Thank you for this post...

[jacobdlux]

The best thing you can do is keep them on the phone and waste their time, ask for their supervisors and just try to stay serious. Its hard dealing with such ignorance I am actually printing 4x9 rack cards with all their bad facts including bailout totals to show their customers how corrupt they are. Bank of India is more correct and they should be exploited.

[JBBoy895]

I dont even set my alarm clock anymore....they call daily at 8:23.I am in the middle of my 3rd modifacation....waiting on BOA to decide,but they call me daily to ask whats the hold up...hmmmmmm....

[jwerner79]

@JBBoy895 Hahahahaha, oh you're cracking me up. My coffee is all over my monitor and keyboard, too funny. What a bunch of losers they are. Praying for them.

[JBBoy895]

You updated nothing.....so true! They call me everyday with no new news!! Same stuff,over and over! And,funny....Im waiting on them for paperwork! Should be calling soon.....

[jwerner79]

@JBBoy895 It is RACKETEER INFLUENCED. Those thugs do not operate a business; it's an absolutely corrupt organization.

[Kristiization]

That was slightly rude. She's not making the rules, she's just trying to do her job. I understand your anger but I'm sure she isn't enjoying having the conversation either.

[jwerner79]

@Kristiization As Donald Trump says, "If you don't love your job, then quit."

[Kristiization]

@jwerner79 I like my job just fine. Doesn't mean I like the customer's. But in every job there is a fall back. You can't quit because of every little thing.

[jwerner79]

@Kristiization What kind of job is that, our of curiosity?

[Kristiization]

@jwerner79 Blended department.

[jwerner79]

@Kristiization So you perform similar duties as the person on the phone?

[Kristiization]

@jwerner79 Sure.

[jwerner79]

@jwerner79 Neat. What company/companies?

[smoothleb18799]

this guy on the phone is a douchbag. pay your bills you jack ass. this ladys job is hard enough as is with blood sucking managers sucking the life out of them, she doesnt need an asshole to play games, if you can answer the questions then just hang up, dont play games. What ever happened to humanity? she is a person on the other end, she breaths, feels, hears, dont be a douch, be a man you faggot!

[DreamsToDeeds]

The girl you were talking to knows nothing. You were crazy to waste all that time with her. They're paid $8 /hr, know nothing, and most have been moved from another dept and never been trained in the loan mod business. She is not the one to get anything done.

Just ignore their calls and work it out at the courthouse by asking for a court-appointed mediation.

[jwerner79]

@DreamsToDeeds There actually was a pre-mediation hearing, whereby the Mediator determined mediation was not appropriate because "Defendant" had defenses; BofA was only a cross-claimant, not plaintiff.

Anyway, the banks have the courthouses. They lie and commit perjury. They produce more jobs in the courthouses with the multitude of foreclosures and of course they are very close to the magistrates and judges in their chambers.

[mattb954]

CALL: CAPITOL LENDING SOLUTIONS!!! 888-291-5819. THEY DID A FORENSIC LOAN AUDIT ON MY MORTGAGE AND I WAS ABLE TO LOWER MY PAYMENTS AND KEEP MY HOUSE BECAUSE THEY FOUND VIOLATIONS OF FEDERAL LAW IN MY LOAN DOCUMENTS.....THANK YOU CAPITOL LENDING SOLUTIONS!!

[jwerner79]

@mattb954 My payment on this Condo could not have gone much lower. The payment was already less than $200. hahahaha

Anyway, sounds like you "settled" with the terrorist bank servicer in your case. I urge people not to settle or even negotiate with these thugs. Forensic loan auditors are certainly imperative though as expert witnesses.

Homeowners in foreclosure are victims of a crime. This stuff is not civil.

[jsgray100]

I just filed a lawsuit against them. I need $2500 to get started! 

[jwerner79]

@jsgray100 Send me a private message with the details. I'd like to brief it to ensure you have the right attorney and you're on the right path with it.

Thanks.

[mattb954]

CALL: CAPITOL LENDING SOLUTIONS!!! 888-291-5819. THEY DID A FORENSIC LOAN AUDIT ON MY MORTGAGE AND I WAS ABLE TO LOWER MY PAYMENTS AND KEEP MY HOUSE BECAUSE THEY FOUND VIOLATIONS OF FEDERAL LAW IN MY LOAN DOCUMENTS.....THANK YOU CAPITOL LENDING SOLUTIONS!!

[jwerner79]

@mattb954 Good for them. Send me the court docs and I'll yell at your local DA for not presenting evidence against the thug banks and their attorneys to the Grand Jury for felonies.

[YoungBlood0893]

ur really obnoxious

[hel18en]

lol lol a GREAT collections associate would just end the call knowing its going to end up nowhere..lol lol

[wright4ULG]

You crack me up Jay!

John Wright

piggybankblog com

[marcosagostos]

wooh, are you represented by counsel or are they? Check out your local court rules regarding the client contacting you apart from the attorneys during pending litigation.

[jwerner79]

@marcosagostos Yeah, they are not supposed to talk to clients, but that is how they play the game, get information, and work the opposition in manipulation. BAC and their attorneys have no regard for civil rules of procedure or any codes. They are criminals on the loose.

[fireballnc2]

You think they treated you bad, try working for them. I worked for them for 3 years. They sold the line of business I was in and made it impossible for me to post out for other positions. I wanted to stay with Bank of America as an employee. Six months later, the new company is a relative unknown and we get laid off because they close down our office. Insane.....

[jwerner79]

@fireballnc2 Yeah, they're criminals. They will continue to do it, breaking the law, and get away with it simply because they can. Expose them, expose them.

[AlmaBusta]

BOA is a bunch of thieves. I received a modification in December and it wasn't until March of this year that they sent me a denial letter. Now Im fighting against foreclosure when they had told me that my new payment was starting in February of this year. I am still waiting for an answer, I have sent them over 8,000 dollars and still they are telling me that I am about 6000 dollars past due. Anyone have any clue who I can talk to for help.

[jwerner79]

@AlmaBusta You are right; they are a bunch of thieves. You are a part of a crime, but the justice can only begin right now on the civil side for you as a victim. You need legal representation: An attorney who has a clue (most do not understand or even care about foreclosure).

[jsgray100]

@AlmaBusta Get an attorney, that's your only option. Same exact thing happened to me. The took my house last week even though I was told it was not in foreclosure.

[daniel42490]

HAHAHA U LAIR!

[daniel42490]

hey that was recorded on my birthday

[daniel42490]

hey that was recorded on my birthday

[castawayds]

I do the exact same thing: Record the phone call, collect their full name, date, location they're calling from, and log the conversation. Don't answer any question directly, but answer them with questions, so they can not use the response against me.

Many times these bottom feeders make false statements, and I use it against them when I identify the contradictions in their statements. ***A great youtube resource, check out "3 simple secrets to stop debt collectors calls forever"

[TheGoalSetter]

First of all, I hate BoA and dropped them years ago.

But I have to say that the BoA rep was AMAZINGLY polite and professional...despite talking to an obvious douchebag.

And BoA was obviously reducing the mortgage payment trying to help the guy too.

If the guy didn't like the call, he should have just told her to not call anymore. By law, they can't, but instead the guy would rather play games.

[johanna488]

@TheGoalSetter 1. There was no need for lower payments and lower payments were never offered anyway. 2. There is no law that says banks cannot call customers. 3. I saved BoA lots of money by helping them in court as they were trying to foreclose on my property on which they had NO mortgage.

[castawayds]

@johanna488 Oh, you've never had a third party collector "play games"? Try this game: Having them call everyone they know related to you, friends, neighbors, and harassing them, even threatening them to disclose your information. Does that sound like a fun game? John, these bottom feeders do this all the time, don't get bent out of shape because some of us know how to turn the tables on them.

[duanescot]

Jason, this call sounds exactly like mine with BofA, I had two mortgages with countrwide, BofA bought them, I sent my payments into them in one envelope, the idiots put both payments on a single mortgage, they then tried to foreclose on me, I worked with them 7 times explaining exactly where the payments should have gone, and 7 times they fucked it up and continued to try to collect on me, its impossible to work with BofA, they are incompetent idiots, I hate them

[jwerner79]

@duanescot They are not incompetent; they know what they are doing. I urge you to begin making a record of their crimes. File reports (just give the facts) with your local Sheriff and police. Follow up with prosecutors and don't give up. Keep me updated.

[ddhowe66]

lAST TUESDAY 20 MINUTES BEFORE THE AUCTION PLACED ME ON HOLD CAME BACK,SAID YOU NEED 2,500 IN 20 MIN TO STOP THE AUCTION CAN YOU DO THAT ? cSN I HAVE TILL 5PM THEY STATED SORRY. THAT EVENING IN Y EMAIL 2 LETTERS FROM CITI 1ST TELLING ME THEY CANCELED MY ON LINE PRIVLAGES 2ND CONFIRMING THAT THEY RECIEVED THE 63 PAGE FAX MONDAY AT 9AM. THEY JUST TOLD ME 5 HRS AGO THEY NEVER REC ANY OF THE 3 63PAGE FAX AND BECAUSE THEY DIDNT GET THE INFORMATION SOONER THEY CANT DO AY MORE.. THE SOLD MY HOME.

[jwerner79]

Theft by deception. Nice move by Citi. Now it's time for them to pay your damages. We need to get justice somehow, God help us.

[ddhowe66]

This is no joke, We spoke to citimortgage lat week inregards to our mortgage a FHA AND BACKED BY A VA, 4 DAYS IN A ROW AND THE FIFTH DAY THEY HAD NO IDEA WHAT THE HELL WE TALKED ABOUT WE FOT CUT OFF AFTER SPENDING 40 MN 63 PAGES FAXED 3 TIMES OVER THREE DAYS AND NO SIGN OF THEM .. THATS THREE DAYS LESS ER HAVE BEFORE AUCTION ,, GUESS WHAT THE DAY THEY AUCTIONED THE HOME THEY KEPTME ON THE PHONE WHILE WS AT THE COURT HOUSE STEPS SAYING THEY CAN STOP THE SALE AND HELP . READ ON.

[jwerner79]

Citi knows the fraudulent game they are playing. They have nothing to lose by foreclosing and certainly have nothing to gain by modifying. Regardless, their tactics are criminal.

[stewardsproductions]

Pay your bills and it is not legal record calls and post them without Bank Of America's Permission they are very big and they have the power to take you to down on this.

[jwerner79]

Tell on me. Go tell prosecutors that I taped BofA calling me on my cell phone from Ohio without their permission. Be sure to give them copies of all my recordings. Thank you.

And the guy who threatened to kill me from Fifth Third, be sure to tell on me for recording Fifth Third and their contract killers as well.

[stewardsproductions]

You are just to funny

[jwerner79]

Actually, the prosecutors seem to think this is funny. They are probably laughing at us for electing them to do nothing. Banks are committing crimes such as perjury, tampering with records, mail fraud, bank fraud, wire fraud, money laundering, not including many violations of TILA, RESPA, FTC, et cetera.

[stewardsproductions]

Great video though

[jwerner79]

You can thank Ken Lewis for the great video. Honorable mention should be given to Robert Mueller and Eric Holder for allowing these criminals to operate outside of prison.

[ayohollaatyaboy]

yea this guy is such a fool , the ppl dont realize this but, you piss off the wrong person , and they can access soo much more info than you realize ...... really can screw up your life ........smh ...... this guy is so immature .......probalby prides himself on how rude he can be to the voice behind the phone, i bet you he wouldnt do that to a person standing next to him with out anything holding him back .... lol ... tough guy

[mabbie312]

You OBVIOUSLY have never had to deal with any loss mitigation departments EVER.

I was a negotiator for short sales,deeds in leiu, & foreclosures for many years, this is NOTHING!B of A,Countrywide&CHase are the WORST

If you have a buyer they wont accept the sale, if you dont have a buyer they push to take your home, if you offer up your home they still wont take your deed without bitch slapping you with all the fees and reprocussions that they can slap you with

BANKS HOLD NO ACCOUNTABILITY

[mabbie312]

btw dont comment if you arent a homeowner and KNOW what you are talking about.

PLEASE!!!

[Frankthegoat]

This really disgusts me...because of how the Bank of America associate was treated. Being a complete jerk off like that solves nothing. You're using her as a scapegoat for the entire corporation! In reality, she was honestly trying to do her job in the most professional and courteous way. If I were her, I would have just hung up on you. Customers who are rude like that do not deserve the time OR the help.

[jwerner79]

Doing her job as a puppet of fraud is what she was doing. Listen to the other calls.

Thanks,

Jason

[mabbie312]

I have worked with many loss mit people at the banks and I can tell you that THIS lady doesnt know how to do jack but read off a script and "updating" her financial workout sheet, she is doing nothing to help this poor man, she isn't even acknowledging what he is saying.

=[

[niceguy0608]

All "jwerner79" has done with this video is make himself look like more of an idiot. Never in my life have I witnessed such stupidness and immaturity from a supposed adult who is trying to get his affairs in order. Count your blessing buddy, that rep has your name, your social, your DOB, your address, and just about any other piece of public record necessary to make your life a living hell. Instead of being angry, be grateful that rep wasn't me...

[mabbie312]

Have you ever dealt with loss mit departments EVER on these types of negotiations??If you have you might understand what insanity they drive the homeowners to the brink of.These people arent there to help YOU, they are there to help their INVESTORS !!!They give two shits less about the homeowners.

And the stupid and imature thing of this is that YOU dont seem to understand that the bank ALREADY fucked this guys life up...What dont you understand?

OH I'M SORRY I DIDN'T REALIZE YOU WERE A RENTER

[kphurley3]

what a jackass this guy is. nice christian he is being a jerk on the phone.

[jmichaelm0]

I'm confused about what's wrong with this recording. I hear a very patient loan representative trying to get information and help someone who is not repaying their loan. It would be nice if the man were more patient and helpful, but of course he is in a difficult situation and probably feels a lot of stress. Still he is accountable for his loan regardless of his uncomfortable economic situation.

[jwerner79]

I tell you why you are confused:

You are living in a fantasy world.

The rep. is a puppet of thugs who have made it their mission to harass people. You know the woman does not want information because they had been calling consistently in the past.

[AlmaBusta]

@jmichaelm0 It is hard to work with people who in reality don't listen to your situation, they just repeat the same things over and over again. They claim to have notes of the previous conversations, which in reality they don't have anything. I have been dealing with this bank for more than 13 months already without getting anywhere.

[whatakindgirl]

You might as well have not answered the phone if you were not planning on answering questions.

[mdunn604]

LMFAO, B of A sucks....good thing the federal reserve is quietly dumping ALL of the toxic assets from other banks in it and take it under before the end of 2010

[LovewasLove]

I dont understand. Why dont you anwesr her questions. You come off like an ahole

[jwerner79]

Their questions are essentially automated for their own "group" of people. They try to make everyone a deadbeat. In this particular case, which you can review everything online or get copies of court documents by making a simple phone call, there are other parties involved.

All in all, it's fraud. Bank of America was caught in crossfire and tried to capitalize. The situation has progressed, but other parties are trying to fraudulently capitalize now if possible. Read the records.

[zeeab]

Do we do collection calls several times a day to all the financial institutions that just went belly up? Maybe we should!!! These people are harrassing us to no end; they are not listening to us! Stop paying these people, just stop!

[jwerner79]

Not only do I encourage phone calls to the crook banks that are going belly up, but I encourage collect calls and emails to their board members and shareholders. Mutual fund managers (large institutional holders) of the financial insitutions would really like to hear from you and other wise men and women. Their phone numbers and email addresses can be found under Yahoo or CNBC Finance sections under Profile and their holders can be found under Major Holders.

Thanks,

Jason

[fuddjcal]

BOA is fucking pond scum

[jandm2kids]

don't be niave. this is absolutely a true phone call. I know, because I've had just about the exact phone call myself at least 7 times with bank of america. the right hand does not talk to the left. they have no clue what is going on and are the biggest bunch of crooks i've ever known and the employees that they have working in Loss Mitigation and mortgage collections are ginormous idiots.

[jwerner79]

In most cases, states have telecommunications harassment laws, but states are too weak to prosecute and enforce their own laws.

[jandm2kids]

farmboycarl do not be niave. this is ABSOLUTELY

[oceansdoor]

B of A = Bend Over America

scum of the earth, this bank is!

[oceansdoor]

B of A = Bunch of Assholes

[billdc31]

Use Local Banks or Credit Unions Now!!!

[jwerner79]

I absolutely agree. American Share Insurance is also a good alternative because it is private and not at all a part of evil and corrupt FDIC.

[farmboycarl]

This must have been posted by Bank of America themselves, because I GAURANTEE that most victims of the current foreclosure crisis are not this guy, and I also gaurantee that most representatives of Bank of America are not this lady. This is nothing but shit.

[jwerner79]

These calls are also being used in Cuyahoga County Common Pleas court. Truly, it's the real thing.

Thanks,

Jason

[skot66]

B of A and Countrywide are filth.

[ThinkYouKnow1]

Im sure the guide line's of making your payments every month has not changed... 238.00 a month is a great deal!!! I pay 1,000 a month for RENT!!!!! Get a job dude!!!! Your a looser... work at mcdonalds and you could do it and have enough for a therapist...

[jwerner79]

I am sorry you have to encourage someone to work at McDonald's to see a therapist. Out of my love for people, I would never recommend something like that.

Finally, if you have been following the banks' insolvency lately, you'd see that they do not want payments, which is why millions of homeowners are in litigation due to fraudulent foreclosure lawsuits.

Jason

[ThinkYouKnow1]

??? I heard that lady ask 2 times if you could make your payment, even if you could get help from family... And if you had such love for people, you wouldnt have called that lady a liar and just been polite to her, she was to you.. after all she was just doing her job... If you took that job, I wouldn't talk like that because you charge for xtra s&s sauce, its not your fault they do that!

[jwerner79]

Regardless, even if they accepted a payment, how do we know if they would even record it, as they've failed in my case over and over.

[zeeab]

I've been there, I know how it feels.

[jwerner79]

The bank is caught in the middle of my condo Assn. suing me for something different, so they tried to jump on the bandwagon of fraud. The LORD delivers the wicked to the hands of the righteous. The BofA officers need to be prosecuted too though criminally.

[Jenjen22383]

Maybe you should have been making your payment in the first place and you wouldn't have ended up in court with a possible judgement against you. Just a stupid idea I guess!!!!

[jwerner79]

From what court documents or discovery are you basing your claim? Please show the public that this borrower was "not making his payments in the first place."

Thank you.

[Jenjen22383]

Yeah, we get it that you weren't making your payments. Maybe you should have thought about that before you got in the situation involving judgements against you and then wanting to make a payment to get yourself out of it. Payment in the first start would have been a better idea.

[Katatawnic]

If the rep who make these calls "literally has no time to review any notation on the account" then how is the rep doing his/her job?

[RyboCollier]

I worked for Bank of America/Countrywide a few months back. The reps main job is a call center representative. When the call queue is busy with inbound calls the reps phone system keeps them in "inbound mode" until the queue empties out. When the queue is slow the phone system switches the rep over to "outbound mode" where all of the collection calls are made. When the call is made it is done automatically by the system, so by the time the caller answers the phone the loan is just popping up.

[RyboCollier]

...continued from previous post. That is how the rep is doing his/her job, because they physically have no way to review the account before the call is made. That is why the rep seems clueless. Its how most of the lenders out there manage their employees who are on the phone. Their goal is to make/take as many calls as possible.

[pig5689]

Liars, thieves. Every exec at every bank & mortgage company need to keep their honor & repent for their greed by quitting their jobs. These flunky callers like this lady take the heat & the abuse from angry customers while the greedy fat cat liar-thief execs play golf. Shut down BOA, Countrywide, GMAC, Wells, etc. & arrest the execs for fraud. Then seize their assets & send them to maximum security prison. Right now they're still playing golf & laughing at the poor schmucks they stole from.

[pig5689]

BOA, Countrywide, Wells, GMAC, virtually every bank & mortgage company is full of incompetent idiots starting with the arrogant execs who are liars & thieves who stole the savings & incomes of millions of innocent hard-working families just to satisfy their lust for greed. Every employee at a bank or mortgage company above a teller (who make minimum wage anyway) are considered thieves & liars. They should keep their honor & quit or risk having their assets seized & going to prison for fraud.

[tammotsie]

This is exactly what they do! They call me at least once a week, and have no clue what is going on.

[lemonrain82]

so fu*king fake! not even funny.

[dbraz45]

That lady seemed absolutely clueless!

[KhmerD0g]

screw the banksters. they already holding washington hostage. they are getting tax payers money already.

stress test shows BofA has failed. hahahaaaa.