The Illegal Foreclosure Attempt on my Family

I am posting this information on Chase Home Finance’s illegal foreclosure on my family, to help others in the same situation or families that may find themselves in a foreclosure after their bank finishes holding their loan ransom with a modification before denying them, as has happened with me.

I must give props to chasehomefinancesucks, one of the best sites out there protecting families, with there latest blogs dated September 27 & 29 on JPMorgan illegal foreclosures. These posts helped me understand Chase Home Finance’s current illegal actions against my family.

I’ve not posted the timeline of my family’s treatment through Chase Home Finance’s predatory loan, modifications, the MHA modification, or SIGTARP & HOPE involvement in my loan because of the possibility of a class action that I may bring against this company. But, I am posting the latest treatment of my family by Chase Home Finance with its latest attack of FORECLOSURE.

Chase Home Finance’s attempt at foreclosure on my family home was illegal. Chase Bank USA, NA was the original servicing lender who transferred servicing rights to JPmorgan Chase Bank, NA c/o Chase Home Finance, LLC. In the letter I received from the lawyers on August 21, 2010 it states that, “The creditor to whom the debt is owed is Chase Home Finance, LLC successor by merger to Chase Manhattan Mortgage Corporation, hereinafter ‘Lender”.

Chase Home Finance, LLC was strictly the servicer of my loan and had no right to attempt foreclosure on my family’s home or transfer “lender’ rights that it does not have. The criminal actions by this company are limitless as Chase Home Finance continues to believe that it is ABOVE THE LAW.

The following is the Foreclosure Attempt – Timeline of Events

On August 21, 2010, I received a letter in the mail from a law firm in Wilmington, NC that they were substitute trustee to initiate foreclosure on my home, giving me 30 days to reply. I immediately emailed my lawyer about meeting with him to discuss further action. I began finalizing my 3rd packet for the OCC.

On August 23, 2010, Too date, Chase Home Finance has never contacted my lawyer who has been representing my family since the first letter he sent to them on November 12th, 2009. I mailed my 3rd packet to the OCC on the continued abuse by Chase Home Finance in hopes that something can be done and my family will not lose our home.

On August 23, 2010, my lawyer got back with my family by email, with a letter he made to Chase Home Finance and/or the law firm that sent the foreclosure letter, about contacting him directly with any matter. This is the third letter my lawyer has sent as my families representative.

On September 7,2010, the police brought a foreclosure notice to my home this morning from the criminal company Chase Home Finance.

On September 14, 2010 received a call from a Chase Agent at Chase Home Finance to contact Chase, more Chase harassment.

On September 20, 2010 I received an email from my lawyer that he had been contacted by Chase’s lawyers requesting documentation of a packet sent to Chase in November of 2009 with regards to the Making Homes Affordable plan. This is the first contact with my lawyer by Chase or a representative of Chase since my lawyer began representing my family, November 12, 2009, over 10-MONTHS! After sending dozens of packets of document requests, they don’t have the documents? This is just ridiculous.

On September 20, 2010, the mail delivered the notice of the hearing on the foreclosure again to my family. This time instead of the police delivering the letter, the lawyers for Chase sent me 4-letters. One letter addressed in my name, and one in my wife’s. Then the same letters sent certified mail that my wife had to sign for. I guess the lawyers sent us each a letter to show us that they were going after both of us. More scare tactics.

On September 21, 2010, I mailed my lawyer the information requested by Chase’s law firm and other pertinent information on the Making Homes Affordable loan.

On September 24, 2010, Chase canceled October 1st Hearing. I believe it was canceled because it was an illegal foreclosure, and just hollow threats.

On September 27, 2010 I received a call at my work number from a Chase representative, the same agent that called my cell phone on September 14, 2010. She asked if I had time to discuss my loan. I told her that I had legal representation and that all information was to go through my lawyer. She asked if he had 3rd party representation in regards to my loan, and I said yes, he has been my attorney for 10-months with no contact from Chase. I gave her the information to contact my lawyer.More Illegal Harrassment

Also, On September 27, 2010, I received an agreement dated September 24, 2010, the same day Chase called my lawyer and canceled the hearing date. In this “agreement” Chase offers to add on $16,500+ of interest on my loan for holding it ransom with modification lies for 2 years, and add Foreclosure costs of $2,300 to my loan now with their illegal foreclosure. But now they will offer an almost human interest once they add $20,000 to the loan.

September 29, 2010 – Chase mailed me a new approval letter for the MHA plan. After holding my family ransom for over a year with the MHA 3-month plan, does this company actually believe that I would allow them to abuse my family with another modification, holding my loan ransom even longer? Is this company just MAD?

My family will not agree to any of these criminal actions by Chase Home Finance, we will only agree to what we qualified for with the MHA loan before they illegally asked for my wife’s income, and we will not pay for there illegal Foreclosure attack on our family. This company is truly unbelievable.

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