Bank of America review: fraud, embezzlement, loan modification 192

Isabel got what she deserved, Johnny Boy. It's a shame your [censor]ed can't fight their own battles. They must have learned that from you.

"You heard and then you read." Boo-###ing hoo. You make a stupid clomplaint here, you will be called on it. Again this is more your modus operandi..You can't fight your own battles. You have to get numbnuts idiots to sign in as you. Does mommy and daddy sign in for you, too?

After they made interest! Even at 1% interest it would be 450 free million taxpayer dollars. I am sure it was more than 1% too. Other private businesses did not get that opportunity. They also did not pay corporate taxes. This was all done with the understand that they would modifications to homeowners.

Not a bad deal for a bank that played a major role in the destruction of the economy.
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http://www.youtube.com/watch?v=WjGDueTQ9b4&feature=player_embedded
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John Wright
piggybankblog.com

Your party thast you voted for screwed up the economy, [censored]head.

FDL:
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By the way, you are saying I cannot fight my own battles, but at the same time I am here for Stealth, but you are all not letting her, him or it fight its own battles.
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Maybe if you pulled your head out your ###, you would stop having ### stains on your collar.
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Johnny Wright
piggybankblog.com

How many behind your ID, ###face ###?

Oh come on, Johnny boy. You had all your neighbors in your trailer park chime in last night. What's the matter, they all drunk on Thunderbird and Ripple tonight?

This seems to becoming like a bunch of stupid kids. i think it is time to act like grown ups. none of us live in trailer parks and btw is that all you got?

Stealth:
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No need to get your boxers in a bunch.
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Gee...I thought I was talking to someone else right now. Are you stalking me? I think I stopped posting on your abusive posts nearly 8 hours ago. Yet, here you are? Maybe I have not called anyone in here because I simply do not need them.
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Interesting how all the sudden you sound like a girl. Well, let me give you your words you gave all of us when we were talking nice to you, but you were talking trash to us. You said that if we did not like what you said...go build your own page. Ummmmm...I built my own page...(lol) Now you do not want me to build my own page? You said we were all crying, while you were making fun of us, but who's is crying now? So try taking some of your own advice. You think you can just make fun of everyone else, while nobody can make fun of you? WRONG! Well, if you cannot take it...don't dish it out. I had warned you over and over that I would eventually fight back, but you would come back with an insult more crude than the first. Do not poke tiger in the care, unless you are willing to get bit.
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The simple fact is that every time I have tried to be nice to you...you insult me. So I insult you back.
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With that being said, I am willing to stop talking to you and about you, if you stop insulting me, my supporters and my cause with your crude language, such as you were doing yesterday the entire time. Every time you talk to me or about me...I am obligated to respond, as well defend myself. It will stop when you stop.
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So we can it end this all right now. I mean, I will take the page down right now, while I promise I will never say another word about you. However, that road goes both ways. You have to stop talking to me or about me...Otherwise I am going to respond. You have to stop abusing my supporters who are in your room, such as Isabel and Frost who asked for my help. You can give your opinion...but do not have to use words like "are you masturbating" and crap like that, if you are want this to stop.
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Deal? I am willing to even metaphorically shake hands right now. However, if you come back with something nasty...I am going ot respond in kind.
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Respectfully,
John Wright

Also, I am on the phone right now...so I am sorry that I could not completely concentrate on the email above. Sorry for any mistakes.
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Do we have a deal?

You could have fooled me, athena. I see Johnny boy reviced one of his sockpuppet sluts. Good job, Johnny boy.

8 hours you say Johnny boy?
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2 hrs 35 mins ago by john -1 Votes

I thought you said you were fat and ugly for 36 hours...and you were going to sleep? Oh, maybe you were just hiding.
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Were you really sued and you never showed up?
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Still a yard thing :)
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Respectfully,
John Wright

2 hrs 29 mins ago by Stealth Pilot +2 Votes

And you are still a coward. You will always be a coward. You probably still live at home with mommy cause no decent woman will have you. Why do you feel the need to harass me? I am not the only one on here who says the word ### and I am not the only one who disagrees with people. So why are you following me? Wait..I know..You have a crush on me. Aww...how sweet. Not interested. I like men not yellow bellied cowards who have to pick on women to feel like a man. Must have a teenie weenie.

2 hrs 7 mins ago by john -1 Votes

Dear Yard Thing:
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ewwww...I would never have a crush on yard thing...lol That made me want to vomit. You probably have hair on your chin. That was even worse than when you are crude (lol). Yuk! I have heard what you look like...and I mean yuk!
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I hear that it was not the word "###" that you used that offended people, but something much worse. Not to mention that you said it to an elderly person. If you were talking like this...I assure you that nobody would be "following" you...in your words.
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Live with my mother? No decent women? You like men Stelth? Though I am sure that there are some that you are able to probably have a bigger winnie than, I am not so sure you are qualified to talk about that ...lol You like men?
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Were you really sued, but never showed up for court?
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Your still talking like yard thing. Once a yard thing...always a yard thing.

Respectfully,
John Wright

You God damn ###ing liar

FDL
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Follow the bouncing ball! What Stealth was talking about was the comments I was leaving in each of the comment rooms she was in awhile back. This one above is a response that I made to her talking to me dip ###!
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I could start doing it again, just you know the difference?
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As far as "socket pocket, " you are clearly delusion.
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God you so stupid (lol)

Respectfully,
John Wright

What party would that would that be?

sorry...would that be?

You seem to know so much about me...tell me what party did I vote for?

"Bank of America and BAC Home Loans is the most criminal banking organization on our planet. Their only goal is to destroy millions of lives not help them like they say on their website. This is misrepresentation and false advertising. Quite honestly, the whole banking system needs to be replaced. Many people are standing up and fighting these monsters:
http://www.free-press-release.com/news-florida-couple-file-lawsuit-against-bank-of-america-for-mortgage-servicing-fraud-loan-modification-and-rico-without-an-attorney-1299633088.html"

It seems we have lost sight of what this thread was really about.

Stealth, I stopped my protest and addressed the issue on my blog, simply because I thought you were done. However, I assure you that if you that you better get the memo, because I specifically stated that if you did not stop...I would start the protest again.
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Read my daily blog:
http://www.piggybankblog.com/2010/01/05/johns-daily-blo/
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You better stop, before you get involved in something way over your head. I have the information of who you are. I was simply waiting for my legal team to give me permission to post it on my blog. However, I told them that you seemed to be acting like a girl now (yesterday) and seemed to be retreating. So I paused the protest.
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For your own sake, stop your personal insults towards me. Otherwise, overtime I assure that you will regret it. Unlike you, this is not my first rodeo Stealth with these kind of dynamics. I am not your average blogger out here, and I assure that I have the means of fighting back in way that you have never experienced the entire time you have been doing what you have been doing.
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To help you understand what is going on right now, one of the law firms I deal with was in the process of making copies of your nearly 4, 000 or more comments you have made in this forum. I assure you that it is not being done because of my issue with you, but maybe they know who you are and have had a previous issue with you and this forum. I think you know what I mean, but if you do not, I hope you never find out.
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Respectfully,
John Wright

Again...it seems that we have lost site of what this thread (blog) was really about. In case you have forgotten, it was about B of A's fraudulent and illegal practices. Foreclosures have been going on ever since there were houses to own, but never before in our history have we had a fiasco of this magnitude.
Some people do lose their homes due to poor planning, or lost jobs and little to no income, but that is not what we are talking about here. We are talking about fraudulent and abusive practices that are allowed to prevail.
http://www.free-press-release.com/news-florida-couple-file-lawsuit-against-bank-of-america-for-mortgage-servicing-fraud-loan-modification-and-rico-without-an-attorney-1299633088.html"
This man had a house that was paid off and B of A foreclosed on him. Interesting, how could they do that if they didn't even have the note?
http://abcnews.go.com/Business/bank-america-sued-foreclosing-wrong-homes/story?id=9637897
This didn't just happen once, but has happened several times.
http://www.newsinferno.com/consumer-fraud/wrongful-military-foreclosure-consumer-fraud/jp-morgan-chase-tries-to-make-up-wrongful-military-foreclosure-mess/
Military, who should be protected while on active duty, are being foreclosed upon:
http://veterans.house.gov/hearings/Testimony.aspx?TID=4186&Newsid=2276&Name=%20Richard%20%22Dick%22%20%20Harpootlian, %20Esq.
http://attorneygeneral.delaware.gov/media/releases/2011/military%20families'%20mortgages%20and%20foreclosures.pdf

Stealth, BACK OFF OF JOHN. If not I will have you on every prayer chain I know of.
I will pray that your eyes are open to the truth. May God Bless You. Lets move on.

Belchhhhhhhhhhhhhhhhhhhhhhhhhhhh. That's for the previous idiot.

Brenda:
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You can call it whatever you want Brenda. Who cares that you think I am a bluff (lol)? Who are you? Or should I say "What are you?" Are you a yard thing too? Either way, there has been actual articles from enemy law firms who did press releases about what I do, but you can remain in denial if you want (lol) At any rate, maybe you misunderstood me Brenda, because you are not all that interesting to us. In fact, you are not all that interesting period. You see, your comments are not even all that clever, as well as not even provoking. Yah, they can sometimes be as crude and disgusting as Yard Things comments, which is no secret that it makes my skin crawl, but only reveals your character in the end and not mine. We realize that that Yard Thing is your hero, and that you want to be just like her when you grow up, but simply do not care :) You see, we are interested in yard thing, not because of what she only says here, but because of who she is in the real world, while saying it. I am not pointing to the fact that she is just a disgusting beast, but other things that we find much more liable. I will say it again...she has made over 4, 000 comments on this complaint forum, which is why it had a certain finger print that we became interested in. We have since then verified this finger print, but I assure you that your peanut gallery comments are not all that interesting. Really, I only respond to your comments when I have some down time, just because I like bothering something Yard Thing has shown particular affection for. However, if I have lead you to think that I find your comments to be shocking or something I have never seen the entire time I have been doing this, I apologize. In the nicest way, I am trying to tell you that I do not eat ###, but if I did, I would be described as eating like you for breakfast (wink).
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Now, I already know that this is going to provoke a disgusting, crude and classless response from you, simply because we have noticed that you do that when you have nothing to argue with. You see, that is what people do when they have nothing else interesting to say (wink). This is because I understand it to be a sign of weakness, which even though it repulses me to hear a "women" talk like this, it is nevertheless a sign that I am winning. I like to win. This is why my very comments provoke others to come out and try to climb Mt. Everest, but only because they like the challenge. I actually invite it, because this is how I have become so good at what I do. Unfortunately, they tend to go away licking their wounds, while they only have vulgar and classless things to say, which indentifies them as TPT. That is unless they have some strange affection for Yard Thing. Either way, it still only reveals their character and what kind food they like to eat, but certainly not mine. I can already tell you that some interesting or uninteresting comments are about to happen, but only after I hit send. This is because Yard Things friends are not only repulsive in nature, but they are little engines who thought they could. Either way, I even like the fact that I just made you read every word of what I have written, because that means that someone like you, who has no stake in this argument...has simply lost some sleep over what I have just written.
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Do not make any mistake here Brenda. I only make comments to Yard Things (Stealth) affection toys, in response to what they say to me, but in hopes that it brings me Yard Thing (wink), because it is my interest in having her stop, so I can stop this protest. However, I have heard that the firms are interested in what she has to say, but not so interested in what you have to say. At any rate, it was Yard Things crude, vulgar and disgusting attacks on myself, my supporters and many other victims on this complaint board that would spark this protest. Though I have read your comment in another room that said:
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" Pretty sure Kohl's did not tell you to post here, lol. I'm sure they meant Kohl's website."
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I must remind you that we are pretty sure that we did not tell you to post where this all started either.
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We warned Yard Thing for 24 hours that we would fight back, if she or he or whatever it is did not stop these unethical attacks, all while we were speaking decently to her. However, it would not stop. In fact, she would actually invite us to do it. At any rate, this is why we began this protest page, simply because Yard Thing said that if we did like it, we should make our own page. So we did:
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http://www.piggybankblog.com/2008/03/25/stealth/
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I have also read Yard Things statements about me being a coward, by allowing my team to post things in my name. This is certainly not evidence that I am a coward, but evidence that I do not have the time to sit here all day in a dialog that I really could care less about, while speaking to potential TPT. Even this is five minutes that I will never get back. This was a protest that the piggybankblog board voted on, but I assure you that even though you find yourself interesting, I simply do not. The truth is that I find some of your comments disgusting and crude. Either way, I allow my protest team to post with my account, but today you really do have the privilege of speaking to the me personally. However, not for long because I simply suffer no fool. It is five minutes I will never get back.
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Here is a little advice: When you stop talking to us, we will stop answering.
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My name is John Wright AND I AM FIGHTING BACK!
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John Wright
piggybankblog.com

Yawn.
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Everything I have to say about this is at my protest page:
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http://www.piggybankblog.com/2008/03/25/stealth/
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My name is John Wright AND I AM FIGHTING BACK!
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John Wright
piggybankblog.com

And you are a Yard Thing (lol) However, you are also a parrot, because you keep saying the same thing and over. Oh my god! Your spamming! (lol)
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Is it because it is bothering you? Oh I would never want to bother you (lol)
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My name is John Wright AND I AM FIGHTING BACK!
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John Wright
piggybankblog.com

Sounds like someone could dish it out, but could not take it (lol). Interesting how all the sudden she is ethical (lol).
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Well, we actually thought that she might try this, which is why we have been doing the same thing with her abusive cussing and insulting comments directed to us and thousands on here. However, I will be having my attorney send them to the complaint board, while quoting the legal definition of what spamming is. Nevertheless, there are laws that stipulate that a equal opportunity must be provided at any complaint forum, while responding to allegations, insults or attacks made on ones character. If they kick me off...they will simply have to kick Stealth off too regarding the THOUSANDS OF ABUSIVE STATEMENTS TOWARDS MEMBERS! Otherwise, there would be a lawsuit.
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None of that would be necessary, if she would have stopped directing things towards me, which would send me an email requiring me to respond her comment to me or about me. All of my actions have only been to respond back to Stealth, but would have stopped the minute she stopped.
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At any rate, her stopping is exactly what we wanted in the first place. If we can verify this fact, we will stop the protest at midnight tomorrow and remove our protest page. This is because we are fair.
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Respectfully,
John Wright
piggybankblog.com

This is a response to a very nice comment from Stealth in another thread:
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I felt it is more appropriate to post this response in the Bank of America thread:
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Dear Stealth:
Thank you so much for taking the time to write me. I read everything you said, while I took to heart every point you made. There was not one part of your comment that I did not agree with. I also agreed with you about the part with the pictures. Though one of the board members was able to get it from a site where people really did allow them to be used, I have to admit that I did not consider that there were certain implications in those photos, which might have implied some issues that could have been sensitive to some out there suffering. My heart sank when I finally realized what you now were trying to say, because I would never want to hurt anyone that might be struggling already with a very difficult life. It is a valuable life lesson that I will certainly take with me, as well as take into consideration in any future protest that my board votes to do with others in the future. Thank you for making sure that you shared your thoughts about this. Simply because I am always willing to grow as a person, in which I think you helped me do right now.
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Also, I want you to know that our team had not come up with anything on you Stealth, as it was the weekend and everyone was off work (wink). You and your supporters were correct that I did not have your address, phone number and other personal information yet, and I hated that you knew that too (lol)! Nevertheless, none of what I said about you should be taken personal, simply because it was a character that we built for the protest purposes only, while using extreme dramatic license and exaggerations made from your clearly admirable strength in your responses. Considering we are a protest blog, we use similar protest methods that are used in a physical protest, such as making President Obama's head a little bigger, while we might emphasize those ears of his. It does not mean that is what he really looks like though :)
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If you do not mind, I would like to approach one of your statements, while I hope you are open to maybe learning something from me now too. Though I know you might be a little older, as well as wiser, it is my hopes that you do not take my action of trying to educate you as disrespectful, but only as an attempt to maybe give you some insight on the people you might be talking to in the complaint room concerning my cause. This is because they are not people complaining about the service in a restaurant, but are people who are truly suffering, simply because they are about to lose everything they have, including themselves.
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You had stated: "What I do mind is when people who disagree with others by getting personal. I find it shows a lack of character and makes one seem petty. For instance, calling someone Yard Thing and posting unflattering pictures in an attempt to belittle that person on a personal level..."
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Though I once again agree with you, as well as admit that our response to your comments were much more extreme, while using a lot of dramatic license, I hope you do not mind me pointing out that some of the things you said to people in my cause, simply might have made them feel much like you described, such as being belittled. This is why I am hoping to take this unique opportunity to share with you some of the casualties of this war that I am fighting. You see, there have been many that have killed themselves concerning this battle that I am fighting right now with Bank of America, but the story that I am about to share with you and your readers is about someone that was represented by the same firm I was represented at the time. I have and will never forget Alan Taylor, but please allow me to share with you his story:

"Alan Taylor's family wishes to express their gratitude and appreciation to United Law Group for the firm's efforts on behalf of their brother. It is their hope that Alan's story will prevent further tragedy and help others who are battling Bank of America.
Alan Taylor was a homeowner from Rio Vista, CA. He liked hunting, fishing, football, and baseball. He enjoyed playing his guitar and spending time with his family and his friends.
On April 5, 2010 he received an offer for a trial modification from Bank of America. He responded immediately and the bank accepted his payments on April 22. They foreclosed and sold his home just 10 days later. In a moment of despair, Alan took his own life."
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However, the article should have ended with 'In a moment of despair, Alan took a shotgun outside, while blowing his head off with his family still inside the house. '
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Nevertheless, it is my hopes that you will always consider that it could be another Alan Taylor that you are speaking to, while calling them a ###ing idiot or saying things to make them have a bad day, while they are already having a bad day every minute of their lives, simply because they live in fear of losing everything they have. So please always keep Alan Taylor in your heart and mind when talking to these people in the Bank of America loan modification thread. I mean, still feeling free to express your opinion, but in a way that allows them to have whatever very little dignity they might have left. They may lose their house and their ability to take care of their children, but there is no reason for them to have to lose what very little bit they have left of themselves.
In the case of Isabel, I have to respect that she is brave enough to represent herself, while being in front of a very powerful bank. Not many have that kind of strength, and even though you might disagree with her on the issue, you have to agree that it is a little admirable that she is doing something like this for the first time in her life. Instead of sitting there doing nothing but complaining, she has decided to do something about it, while using a judicial system that we all agree is the proper way to express herself. We must always allow her to have her day in court, before we say that she is guilty of something that has not yet been even heard by the court. It is my understanding that the judge at this point has said that Isabel has a case, in which we must appreciate that fact alone. She has a child with disabilities, and this is exactly the type of person we should help, instead of a bank that would later admit they did not even need the bailout.
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There is so much about my cause that is not being reported in the news, such as all those out there that have killed themselves over this issue. One of the big reasons I created my blog was to create a place of refuge for people like Alan Taylor. You have no idea how many men and women have admitted to me that they were going to kill themselves over this issue, until they found a blog that made them cry and laugh and gave them hope at the same time. They also found a friend named John Wright that would listen to them talk on the phone for hours and hours, while I assured them that it was just a house and that everything was going to be okay. I heard very tough men cry, who had admitted to me that they had not cried since they were 10 years old. This is because they are terrified and feel helpless and useless to protect their families now. This is because it is a man's very blueprint to feel that he can provide and protect his family, but now there is something that happened that they are left feeling helpless and useless. These people trusted me because I am one of them now Stealth. Please allow me to explain why.
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Even though I did buy a house that I could afford at the time of purchase (income between 150k - 200k a year), as well as I paid a high mortgage for nearly five years (never over 30 days late), I was now poor over night because of what the government and these banks did to the economy. This is because when people who could and could not afford their homes here in Silicon Valley lost their equity over night, I lost more than half of my customer base that I had for 25 years, but by no fault of my own. Now I understand that the housing market has always been a game of musical chairs, but this time when the music stopped playing these fat piggy banks were already sitting down. This is why it only seems fair that the ones who created it (The government and banks) should give us a loan modification. Even more so when you think about how they were giving tax money to a bank, who played a major role in creating this crisis, while giving them a 45 billion dollar taxpayer bailout. They also made interest on that money for themselves, and it only seems right that they use that taxpayer made money to help the American people that they turned into victims with their greed. The government would also make it to where they would not have to pay corporate taxes for the year of 2010. For the record, I noticed they did not give my private company a bailout or tax break, in which I had nothing to do with causing this crisis, but was a true victim of their actions. All the sacrifices I have made have been to keep all my employees employed, so that there is not 20 more people on the unemployment line, while doing my part to help the economy recover. This has been no easy task Stealth, but I nevertheless do the best I can. This is because we all know the importance that small companies play in the recovery of our severely damaged economy. Now even though I was a conservative republican that did not believe that the government should be helping people buy a home, I also realized that I did not believe that our government should be giving taxpayer money to private banks, while giving tax breaks to a private bank that played a major role in causing the crisis. This is why my position changed on this matter, because I would much rather see that money go to people who bought a home they could not afford, rather than to a potentially criminal bank that played a major role in destroying our economy and the American dream. Unfortunately, the only way to bring accountability to these institutions that did this to our country, might be to sue them for financial damages. This is because once they see that it is not a profitable venture to do things that destroy the American economy, dream and spirit, they will not ever do it again. That is the nature of the beast.
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Therefore, even though I appreciate and respect that you are protecting us from an enemy outside our country, I hope that you will also respect and appreciate that I am also trying to help fight for our country, while defending it from an enemy within. An enemy that might be more dangerous to America than any terrorist out there. This because the age of these countries using the nuclear bomb as a weapon has passed, but he age of the economic war has arrived. This is why I believe that we are not only fighting Bank of America and these other banks for our homes, but for the survival of our country as well. The only difference in this enemy has our name on it, which could be equivalent to Bin laden changing his name to Bank of America and then flying the plane into the World Trade Center. Basically, we are being hung with our own rope. It is my belief that Bank of America is exactly what Thomas Jefferson warned us about:
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Thomas Jefferson:
‘I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.’ -
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Stealth, I am happy that we have finally been able to get to this point. I also agree with a blogger out there that stated that you tend to grow on a person (wink). I have already shut down the protest page, after I read your comment a few hours ago. However, if you do not mind, I would like to post your comment and my response on what used to be the protest page, but only our two comments and nothing else. I think that is important that people see that there is hope that all sides can be winners, as long as both sides are we willing to compromise and spell it peace and not piece.
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In closing, thank you for pointing out that you did not have any other issues with my blog. Please feel free to send anyone that you might feel could use some help, simply because I have been able to use my influence to save some families from being thrown in the streets. It also can be extremely helpful emotionally for the Alan Taylors out there.
Once again, thank you and your brothers and sisters in the military for fighting for our rights here on the homeland. You all make us very proud :)
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Respectfully,
John Wright

Stealth:
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I completely understand your feelings about suicide, as my father shot and killed himself when he was 26 years old. Yes, you are correct that it is the cowardly way out, but it sometimes can be related to mental illness that does not allow the person to cope very well.
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Thank you again for your statement that you will try and be more open minded.
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I wish you luck too :)
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Respectfully,
John Wright

So does this mean we can get back to topic?
Foreclosures have been going on ever since there were houses to own, but never before in our history have we had a fiasco of this magnitude. PREVIOUSLY, IN HISTORY, THE HOMEOWNER MIGHT HAVE BEEN 90% TO BLAME, BUT THAT IS NOT TRUE TODAY.
Some people do lose their homes due to poor planning, or lost jobs and little to no income, but that is not what we are talking about here. We are talking about fraudulent and abusive practices that are allowed to prevail.
http://www.free-press-release.com/news-florida-couple-file-lawsuit-against-bank-of-america-for-mortgage-servicing-fraud-loan-modification-and-rico-without-an-attorney-1299633088.html"
This man had a house that was paid off and B of A foreclosed on him. Interesting, how could they do that if they didn't even have the note?
http://abcnews.go.com/Business/bank-america-sued-foreclosing-wrong-homes/story?id=9637897
This didn't just happen once, but has happened several times.
http://www.newsinferno.com/consumer-fraud/wrongful-military-foreclosure-consumer-fraud/jp-morgan-chase-tries-to-make-up-wrongful-military-foreclosure-mess/
Military, who should be protected while on active duty, are being foreclosed upon:
http://veterans.house.gov/hearings/Testimony.aspx?TID=4186&Newsid=2276&Name=%20Richard%20%22Dick%22%20%20Harpootlian, %20Esq.
http://attorneygeneral.delaware.gov/media/releases/2011/military%20families'%20mortgages%20and%20foreclosures.pdf

Point well takeng :)
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Listen, me and Stealth called a truce, and the protest is over. Threfore, I do not want to respond in a way that might accidently start it again.
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Respectfully
John Wright

...lol

I think it was fun too, but Stealth wanted to stop and I have to admit that I wantd to stop too, after 48 hours (lol)
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You can read more about the truce here if you want:
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http://www.piggybankblog.com/2008/03/25/stealth/
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Respectfully,
John Wright

Maybe her loan was 1st owned by Country Slime(wide) they were forced to take on them on. All B of A had to do is tell the Government No! of course not this is the same think B Of A did during the FSLIC failure.
Hang in there nothing will change until we the people make them change.

Can't make them work, just change of faces of the elected officals, change the Fed Chariman, as well as those who head up the FDIC. Until then we are still pawns in there chess game. Bee

Okay point well taken :)
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I am sorry you missed all the excitement last night, but th protest is over. Therefore, myself and Stealth have pretty much agreed to always respond in this fashion.
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Thank you for flying American Airlines, but your flight has already left :) We have simply moved to another protest site and this protest is over.
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I am sorry, but we do with you well.
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Respectfully,
John Wright

That was "wish you well" (lol)
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two days awake here :)
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Take it easy breezy
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JW

It should be ok celestestar, as long as you washed your hands.

I thought I was exercising my freedom of speech on a site which offers a place to submit comments on the topics suggested. I was hoping it was more than an immature mud slinging contest, but I see I was wrong.

From a speech by Abraham Lincoln: At what point shall we expect the approach of danger? By what means shall we fortify against it? Shall we expect some trans-Atlantic military giant to step the ocean and crush us at a blow? Never! All the armies of Europe, Asia, and Africa combined could not, by force, take a drink from the Ohio or make a track on the Blue Ridge in a trial of a thousand years. At what point, then, is the approach of danger to be expected? I answer, [that] if it ever reach us, it must spring [from] amongst us; it cannot come from abroad. If destruction be our lot, we [ourselves must] be [the] author[s] and finisher[s]. As a nation of free men, we must live through all time[s], or die by suicide.

We destroy ourselves when we cease to care about one another or the harm that one day will affect us all.

Ok..I don't want to spark any nasty comments here but back to the original complaint. When I bought my home in "98, I started out with a local small town branch wich in turn, sold my loan to Bank of America. I am current in my payments and have no problem. In July 2010, I was laid off from my job of 30 yrs. I considered the loan remodification and talked to a professional advisor. I was warned that if I did that, Bank of America would probably agree to the remodification but had a reputatiuon of selling off the loans to other banks which in turn would hike the rates back up. Luckily, I had saved a small amount of money and so far have been able to keep my bills up to date and hopefully will find a job soon. But, I do understand where she is coming from and wish her good luck.

Thank you Debra for your kind observation and thank you hgftdf for demonstrating what true spam is.
I was not offering "spam" on this site. I was offering evidence from news sites to back up my statements as proof that what I am discussing is not just a random guess. It is simple to make up statistics in your mind and offer them as fact when you do not have to offer any evidence to support your statement. Such as 90% of the complaints are the consumers fault. I was offering evidence to support the statements that I made.

However, if you want statistics without evidence that is easy enough to do. 1 in 7 homes in our country today is underwater in value. 1 in 7 mortgages are subject to default. Over 7 million homes in our country have been foreclosed upon or are in the process of being foreclosed upon.

If you purchased a home in 1998, you are probably okay. The average homeowner who brought a home in that era would be approximately 39 - 70 years old today. For those people who were only children and teenagers during the 1990's, it was impossible for them to buy a home during the inclining era, and due to the bubble created by the mortgage companies, their hope of homeownership was vanishing before their eyes.

Do you honestly believe that over 7 million people in our country were just "losers?" While the bank executives were taking bonus' and company sponsored trips to Las Vegas and the Cancun islands?

For those of you who believe it was just the consumers...offer some proof of your statements or concede the point.

stealth;

spam (spæm)
— vb, spams, spamming, spammed
1. to send unsolicited electronic mail or text messages simultaneously to a number of e-mail addresses or mobile phones
— n
2. unsolicited electronic mail or text messages sent in this way
Since this is a complaint board with comments solicited, my postings do not qualify as spam.

But what is interesting to note is that you cannot give an intelligent response supporting your claims regarding consumers. You can not keep on topic 'cause you got nothing but a little temper tantrum mud-slinging.

There are people reading this who are really hurting and who have become victims of a heinous fraudulent and illegal lending practices by the mortgage companies and banks. They come on these sites looking for some help, perhaps just someone to listen, then they are belittled.

They have a cause. Protest groups in the thousands are moving in upon the State Attorney Generals to take action on these lending companies who used these entrapment methods of lending to drag this country into a recession that is already threatening to exceed the depression of the 20's. Do you have something to refute that?

John! Why are you wasting your precious energy on these bullies? You are giving them what they want. You have great energy and when you apply it towards the RIGHT people, you do GREAT things! There are people that NEED your inspiration like I did! You gave me hope! These folks are only trying to reverse the wonderful things you have placed in all your ppb family... SCREW EM! The place to be is the ppb chat.. WE ARE FAMILY! Love you, JOHN

Well, Brenda, I am quite impressed. That is a very accurate description of our financial collapse from an business -economic standpoint. The crux of the matter is that most financial institutions knew there was a problem by 2004. They knew there was a problem and that the bubble was in place, but no one wanted to stop the flood gates, the best they could hope for was not to get caught holding the hot potato when the music stopped.

The Department of Corporations released the following warning in 2006:
Mortgage Fraud. Predatory mortgage lending involves a wide array of abusive practices and usually takes place in the subprime market, targeting borrowers with weak or blemished credit records. The most common lending abuses include excessive fees, abusive prepayment penalties, loan flipping, and other shady practices. In addition, foreclosure schemes are on the rise in which the prepetrators mislead the homeowners into believing that they can save their homes in exchange for a transfer of deed and up-front fees. The perpetrator profits from these schemes by remortgaging the property or pocketing fees paid by the homeowner. DOC, (Department of Corporations) as part of a California task force comprised of local district attorneys and the California Attorney General filed a judgment in 2006 against a major subprime lender to resolve predatory lending allegations against the company, which will provide consumers $295 million in restitution and require sweeping reforms of the firm’s business practices.

In 2006 they knew that they were being called on the carpet for predatory lending practices and they still continued.

So, moving onto the homeowners, themselves, most of these homeowners were unsophisticated in the ways of Corporate finance and predatory lending practices. Most consumers are educated to believe that professionals are to be trusted and that they have an professional obligation and fiduciary duty to fulfill their obligations with some symbolism of integrity. In other words, Judges should judge fairly and not accept bribes, lawyers should be faithful to their clients and not make deals behind their backs, Real Estate agents should look out for the interest of their clients and Bankers and Lenders should give legal and ethical contracts. Homeowners believed that the very laws that required they adhere to ethical practices in signing a contract, would also be applied to the Professionals, but the corporations have become like little nations unto themselves, freeing themselves from the laws of the land under the guise of Corporate Policy.

Reading complaints like this one below is much more important than this psychobabble from John and his minions.
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I spent like 20 minutes taking a really dumb iq test. They made me enter my email in the middle of it, and then at the end, they asked me to pay them $3.99. The payment didn't go through. I'm sorry, but my ###s don't have enough money for this [censored]. Us ###s are poor, and we aren't putting up with this [censored].

I put a stop payment for ACH in the amount of $80 and $168. They told me that it would cost me $30 in which I paid. they said although it is 2 transactions for same company not to worry. 3 days later $168 was taken from my account along with a NSF of $35. I then called the claims dept. and said to file a complaint and that they were sorry for this should have not happened but in the meantime they would credit my account the $30 in which I did. 2 days later $80 was taken from my account. I am filing a complaint tomorrow but since when does BOA return funds that allowed to be taken out of account when I signed a waiver not to have an overdraft policy in the first place and paid for a stop payment fee. Claims department also told me that that they are not suppose to tell customers that a ACH stop payment is not guarenteed but yet they will not tell you that at time receiving there $30 fee.