Bank Refuses To Talk To Widow In Foreclosure Seeking Loan Modification, Saying Mortgage Was Solely In Late Hubby's Name
In Sonora, California, News10 reports:
- A widow who is losing her home to foreclosure said she's willing and able to make her house payments, but the bank insists on dealing with her dead husband. Jeanette Noble, 66, fell several months behind in her payments following the death of her husband, Norman, in Oct. 2009, because their joint bank account was temporarily frozen.
- Jeanette later contacted Wachovia Mortgage to arrange a repayment plan, but the bank refused to talk to her because the loan was in her husband's name alone.
- "I tell them he expired. He's dead. He's not here. He can't talk to you," Jeanette explained. She faxed a copy of Norman's death certificate, which only complicated the problem. Future mail was addressed to "Estate of Norman Noble," and bank representatives still refused to talk to Jeanette because she wasn't a court-appointed representative of Norman's estate.
- Jeanette said an attorney told her probate would cost $1,000 and could take several months. The home was scheduled for a courthouse auction this week, but for unknown reasons the auction was postponed until
May 5.
For more, see Widow: Bank insists on talking to my dead husband.
1 comment:
I am very sorry to hear what you are going through with your husband's passing and the sheer lack of companion.
Your absolutely right in your assessment of how banks as well as the court system treats family members when their love one dies. Just know you are not alone and have plenty of company in your trials and tribulations.
Since 2005 I have been harassed by banking officials,their agents the Register of Wills, Orphans Court and a slew of other culprits who are involved but have no legal right to harass me as the family member who speaks out about the unlawful acts that they all of them did to defraud and treat my deceased cousin like a piece of dirt, as well as me regarding foreclosure fraud that was perpetrated on his asset estate.
U. S. Bank, N A Washington Mutual Bank, Litton Loan Servicer, LP did not notify me regarding foreclosure/auction sale. They just continued to
send mail to a decedent, which is insane because as you so eloquently stated they can no longer speak up for themselves and need their family to speak on their behalf.
The local courts failed to defend the rights of my cousins estate or assist me and none one above have done anything to bring charges or closure to resolve these heinous acts but continue to ignore and deny fraud.
The banks hid my cousins death from the court. Thee locks were broken and they gained illegally entrance into my cousin's home pilfering whole contents of home.
I reported this to the Court's Foreclosure Clerks office that his home had been forcibly entered and was told by them that Litton had no right to do so because the banks did not get or have the approval of the court to do so.
According to the foreclosure clerk's office and Municipal ordinance law. The banks should have filed A WRIT OF POSSESSION COURT ORDER before TAKING POSSESSION OF HOME SINCE MY COUSIN WAS STILL THE OWNER AND SINCE ESTATE AND PROPERTY DEED WAS STILL IN HIS NAME.
I FILED WITH THE COURT I WAS NEXT OF KIN AND THE PERSONAL REPRESENTATIVE FOR MY COUSIN'S ESTATE. I GAVE LITTON AND IT'S LAWYER NOTICE OF ACTION THAT I FILE WITH THE COURT. LITTON AND IT'S LAWYERS STILL CONTINUE TO IGNORE ME AND HAS MADE NO ATTEMPT TO REMEDY THIS PROBLEM.
WAMU ignored his death. Then sold and unlawfully sold and securitized his loan to Goldman Sachs subsidiary C-BASS who went in receivership.
Some of the horror story's people tell about Litton Loan Servicer, LP are listed on Mortgage Servicing Fraud website, Notable Posts and on this website, Mortgage Rip Off. There are numerous class action suits against Litton, but these law firms don't take INDIVIDUAL CASES.
Many think that there is allot of help out there for victims, but this is not the case. One lawyer told me off the record that most attorney's here represent the lenders and will not take foreclosures cases for homeowners because these cases are not fee generating. Since
Maryland laws were weak and more favorable towards lenders and abusive predatory practices are allowed to flourish. Some other states have passed anti-predatory lending legislation to stop these predatory practices. There has been predatory lending legislation in the house and senate for years, but no bills have been passed as of date to stop fraud and abuse upon a deceased homeowners.
This case is still going and to this date nothing or no one has been held accountable for unlawful actions since 2005.
It would been more helpful to me if I could have received more help from the courts and Register of Wills as you stated, to protect us from abuse and unlawful behavior from banks.
But, instead would rather waste taxpayer dollars that could have been used better utilized upholding the ESTATE AND TRUSTS laws instead of retaliation COVERING UP fraudulent acts trying to browbeat me into submission as decedents next of kin.
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