JP Morgan Chase Breaks Into C. Florida Woman's Home A 2nd Time; Clueless Cops Refuse To Do Anything About It, Loan Servicer Dodges Media Phone Calls

MSNBC's The Dylan Ratigan Show reports on the ostensiby out-of-control JP Morgan Chase Bank which, for a second time, had one of its property preservation contractors break open the doors and change the locks on the home of Orange County, Florida homeowner Nancy Jacobini, despite the fact that Ms. Jacobini is apparently current on her loan modification payments.(1)

Among the highlights of the story is the claim that the local cops are so out-of-touch with the problem of banks prematurely breaking into homes that may be in or near some stage of foreclosure that they refuse to do anything about it, apparently taking the stance that the matter is nothing more than a 'civil matter.'(2)

According to MSNBC's Ratigan, JP Morgan Chase was called to participate in the interview, but they are dodging his staff's phone calls.

For the story, see Breaking In: Lenders Overstepping Their Bounds?

Go here for earlier posts on the plight of Nancy Jacobini in her relationship with her mortgage loan servicer, JP Morgan Chase.

(1) For examples of filed lawsuits involving illegal bank break-in, "trash-out" & lockout cases, see:

• Bank admits mistake on Willcox home foreclosure (involving an Arizona homeowner) (for a copy of the resulting federal lawsuit, see Newman v. Bank of America, N.A. and go here for the attached Exhibits),
• Couple: Bank Foreclosed On Wrong House (New Bedford Couple Suing Bank Of America) (involving a Massachusetts resident with a home in Florida) (for a copy of the resulting federal lawsuit, see Cardoso v. Bank of America, et al.),
• Family's recently purchased home, gutted by property removal service (involving a Michigan homeowner) (for a copy of the resulting federal lawsuit and accompanying Exhibits , see Rought v Deutsche National Trust Company, Trustee, et al.),
• In a Sign of Foreclosure Flaws, Suits Claim Break-Ins by Banks (involving a California homeowner) (for a copy of the resulting federal lawsuit, see Ash v. Bank of America).

For those homeowners who've been screwed over by wrongful lockouts by foreclosing lenders (and their confederates) and seek some possible guidance on how much their cases might be worth if they seek to sue, see:

• Nevada High Court OKs $1M+ Damage Award To Homeowner Due To Mortgage Company Misidentification Of Home In Foreclosure (for the court ruling, see Countrywide Home Loans v. Thitchener, 192 P.3d 243; 2008 Nev. LEXIS 79; 124 Nev. Adv. Rep. 64 (September 11, 2008)),


• Long Island Judge Hammers Wells w/ $155K Tab For Oppressive, Heavy Handed, Egregious Conduct For Pre-Sale Lockout Of Homeowner In Foreclosure (for the court ruling, see Wells Fargo v. Tyson, 2010 NY Slip Op 20079 (Sup. Ct., Suffolk County, March 5, 2010)).

(2) This isn't the first time that cops have washed their hands when investigating real estate-related these crimes. See:

• Fed. Court Affirms 29+ Year Sentence For F'closure Rescue Operator In Rackets That Local Cops, DAs, Texas AGs Cluelessly Minimized As 'Civil Matters';
• Would-Be Buyers Screwed Over In Rent-To-Own Racket Involving Homes In F'closure Complain To Local Prosecutor; Ripoff Is Treated As A Civil Matter;
• Cops Accept "The Bank Sent Me!" Defense In Home Break-In Probe Targeting "Trash-Out" Agent; Say No Crime Was 'Intended' - "It's A Civil Matter!";
• Another F'closed Homeowner Illegally Driven From Home; Cops Decline To Pursue Criminal Charges; Call Premature, Unauthorized "Eviction" A Civil Matter;
• Suspected Home Hijacking Case Once Considered "Civil Matter" Will Now Be Treated As Criminal Trespass, Say Cops;
• Another Foreclosure Misidentification Screw-Up Results In Pair "Cleaning Out" Wrong Home; DA Declines Prosecution - Says It's A Civil Matter.

Florida Homeowner Sues Over Bank's Illegal Break-In; Use Of Paperwork By Lender's "Jack-Booted Thugs" To Intimidate Cops Into Inaction A Major Concern

In Orange County, Florida, WOFL-TV Channel 35 reports:

• Nancy Jacobini is a homeowner and has been for awhile. For two decades, she has been in the same house, which makes what happened on September 28th, 2010 so bizarre.

• "It was about 5:30 p.m. It was a very rainy, dark, dreary day. I was in the front bedroom lying down on the bed with the light on. All of a sudden I heard someone trying to put their hand on the door handle. At that point I knew I was in trouble. I immediately grabbed my cell phone, went to the bathroom, locked my door and called 911. I was scared. Very scared. Cause I could hear the aggressiveness at the door. I panicked. Maybe he followed me. Maybe he's a sex offender. I had no idea," remembers Jacobini.

• Orange County deputies showed up at the house. They found a locksmith changing the hardware on Nancy's front door. He was sent by Nancy's bank: JP Morgan Chase.
  "The bank broke into my home for no darn good reason," says Jacobini.

• "Americans need to wake up, because if we don't stop them from doing this now, what's to stop them from kicking everybody's doors down?" asks Matthew Weidner, Nancy's attorney.

• Weidner filed a federal lawsuit on Friday against the bank. He says he receives, on average, six calls a week from people complaining about these so-called "real estate repo men." [...] These jack-booted thugs can intimidate police who come out to the scene and often times, all that's required to make the police go away is for the jack-booted thugs to show a piece of paper from the bank," says Weidner.(1)

For more, see Lawsuit filed in local bank break-in case.

(1) For examples of other filed lawsuits involving illegal "trash-out" / lockout cases, see:

• Bank admits mistake on Willcox home foreclosure (involving an Arizona homeowner) (for a copy of the resulting federal lawsuit, see Newman v. Bank of America, N.A. and go here for the attached Exhibits),

• Couple: Bank Foreclosed On Wrong House (New Bedford Couple Suing Bank Of America) (involving a Massachusetts resident with a home in Florida) (for a copy of the resulting federal lawsuit, see Cardoso v. Bank of America, et al.),

• Family's recently purchased home, gutted by property removal service (involving a Michigan homeowner) (for a copy of the resulting federal lawsuit and accompanying Exhibits , see Rought v Deutsche National Trust Company, Trustee, et al.),

• In a Sign of Foreclosure Flaws, Suits Claim Break-Ins by Banks (involving a California homeowner) (for a copy of the resulting federal lawsuit, see Ash v. Bank of America).

For those homeowners who've been screwed over by wrongful lockouts by foreclosing lenders (and their confederates) and seek some possible guidance on how much their cases might be worth if they seek to sue, see:

• Nevada High Court OKs $1M+ Damage Award To Homeowner Due To Mortgage Company Misidentification Of Home In Foreclosure (for the court ruling, see Countrywide Home Loans v. Thitchener, 192 P.3d 243; 2008 Nev. LEXIS 79; 124 Nev. Adv. Rep. 64 (September 11, 2008)),

• Long Island Judge Hammers Wells w/ $155K Tab For Oppressive, Heavy Handed, Egregious Conduct For Pre-Sale Lockout Of Homeowner In Foreclosure (for the court ruling, see Wells Fargo v. Tyson, 2010 NY Slip Op 20079 (Sup. Ct., Suffolk County, March 5, 2010)).

JPMorgan Chase Behind Recent 'Break-In' Of Orlando-Area Home Owned, Occupied By Delinquent Borrower

In Orange County, Florida, The Raw Story reports:

• In yet another sign that the foreclosure crisis in the US may be getting out of hand, a Florida woman has gone to the press about having her home broken into -- by an agent of her mortgage bank.

• Nancy Jacobini of Orange County, Florida, says she was three months behind on her mortgage payments, but not in foreclosure, when she heard an intruder breaking into her home. Panicked, she called 911 and spent 10 nervous minutes on the phone with a dispatcher only to discover that the intruder was an agent of her mortgage company, JPMorganChase, who had come to change the locks on her home.

***

• According to WFTV, the bank claims Jacobini never established a mortgage payment plan, and the house was assumed to be vacant as there were no utilities at the address. But the news crew found electricity and running water in the house.

• A JPMorganChase representative told the news crew that the company had made a "mistake" in attempting to change the locks, and that the company has no right to change the locks on a home that hasn't been foreclosed and which is occupied.(1)

For more, see JP Morgan ‘thug’ breaks into home not in foreclosure: report.

Go here for the WFTV-TV Channel 9 video.

(1) Until the cops get up to speed in this area of law enforcement and start bringing criminal charges against the perpetrators, the victimized homeowner's (or tenant's) recourse in these situations is limited to hiring a lawyer and suing the perpetrators.

As noted in earlier posts, illegal lockout lawsuits on behalf of screwed-over homeowners are beginning to gain some steam. See:

• Bank admits mistake on Willcox home foreclosure (involving an Arizona homeowner) (for a copy of the resulting federal lawsuit, see Newman v. Bank of America, N.A. and go here for the attached Exhibits),

• Family's recently purchased home, gutted by property removal service (involving a Michigan homeowner) (for a copy of the resulting federal lawsuit and accompanying Exhibits , see Rought v Deutsche National Trust Company, Trustee, et al.).

For those homeowners (or tenants) who've been screwed over by wrongful lockouts by foreclosing lenders (and their confederates) and seek some possible guidance on how much their cases might be worth if they seek to sue, see:

• Nevada High Court OKs $1M+ Damage Award To Homeowner Due To Mortgage Company Misidentification Of Home In Foreclosure (for the court ruling, see Countrywide Home Loans v. Thitchener, 192 P.3d 243; 2008 Nev. LEXIS 79; 124 Nev. Adv. Rep. 64 (September 11, 2008)),

• Long Island Judge Hammers Wells w/ $155K Tab For Oppressive, Heavy Handed, Egregious Conduct For Pre-Sale Lockout Of Homeowner In Foreclosure (for the court ruling, see Wells Fargo v. Tyson, 2010 NY Slip Op 20079 (Sup. Ct., Suffolk County, March 5, 2010)).

CNN Interviews Central Florida Woman Victimized By Illegal Lock-Out Of Her Home By JPMorgan Chase

CNN's American Morning recently interviewed the Central Florida homeowner who suffered through a horrifying experience with someone breaking into her home, only to learn that the perpetrator was actually someone hired by JPMorgan Chase to change the locks to her home:

• Nancy Jacobini was home alone in Florida when she heard what she thought was an intruder at the front door. There was no knock. She wasn't expecting anyone, so she grabbed her cell phone and called 911.

• As it turns out, the man who broke the lock on her front door was actually a contractor hired by her bank. It is a procedure typically used to secure a foreclosed home. However, Jacobini's home wasn't foreclosed. She tells American Morning's Kiran Chetry how terrifying the experience was for her.

For more, see Bank breaks into home - over mortgage payments (A woman says her bank hired someone to break in and change the locks even though her home was not in foreclosure) (go here for the video of the interview).

Thanks to Mike Dillon of GetDShirtz.com for the heads-up on the interview.