Many of you have asked what you can do. My answer is to generate as much publicity as possible. Make my letter to Mr. Moynihan go viral. I’ve written a short letter for you to use as a template, and I’ve listed four people to start with. Their names and addresses follow. Of course, you may amend this note any way you deem fit and send it to anyone else you think might help.
Julio Esparza (currently the rep on my case)
B of A
213 345 6243
FAX (866) 882 0975
Catherine Mack
Bank of America
Office of the President & CEO
Catherine.unlikenancy.mack@bankofamerica.com
Phone 877 471-4367 ext. 227943
Rebecca Symes – Senator Gillibrand’s office
212-688-6262
FAX 866-824-6340
Ridge W. Harris – Congressman Gibson’s (20th District, NY) office
518-610-8133
FAX 518 610 8135
Intern.kinderhook@mail.house.gov
also
ann.mueller@mail.house.gov
LETTER OF SUPPORT
Dear_____________:
This is a letter in support of the Foreman family in their battle against Bank of America to keep from losing their home. We believe Bank of America’s action in this case to be part of a wide pattern of exploitation of homeowners who find themselves trapped in the bank’s financial scheme. Thousands of homeowners are at risk because of this. We believe the bank’s actions to be immoral and unethical. Our support for the Foreman family stands strong.
Thank you.
The following web address
-- http://www.consumeraffairs.com/finance/ba.htm --
will take you to nearly 2,000 complaints against Bank of America. If you read them you'll begin to see a common pattern emerge. There are thousands of people trapped in this financial web that endangers the most valuable thing they own -- their home.
Take a look.
Sunday, April 22, 2012
Foreman vs. Bank of America -- The Foreclosure Chronicles
“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.”
- U.S. President Thomas Jefferson, 1801-1809
FOREMAN FAMILY vs BANK OF AMERICA ----- Talk about your David & Goliath! My family is in the thick of it. I've never understood Franz Kafka more than I do now. The situation is sheer lunacy, but what has become obvious is that it is a pattern of banking perpetrated against thousands of customers. My congressman's office alone is pursuing over thirty investigations. Astonishing. People have had their homes auctioned out from under them, and only learn of this action when they receive an eviction notice. Homes that enter into the Home Affordable Modification Program put forth by the Obama administration, even those granted the reduction, are in terrible danger of being ensnared in B of A's tentacles, undergo an endless waiting period full of delays,rack up fees,and then lose everything. Bank of America tells me there is no appeal because Obama's program doesn't provide for appeals. Can this be true? I report what I'm told.
Read on and learn how deeply cancerous this problem is.
“History records that the money changers have used every form of abuse, intrigue, deceit, and violent means possible to maintain their control over governments by controlling money and its issuance.”
- U.S. President James Madison, 1809-1817
“Unless you become more watchful in your states and check the spirit of monopoly and thirst for exclusive privileges you will in the end find that... the control over your dearest interests has passed into the hands of these corporations.”
- U.S. President Andrew Jackson, 1829-1837
“I see in the near future a crisis approaching that unnerves me and
causes me to tremble for the safety of my country… corporations have been enthroned and an era of corruption in high places will follow, and the money power of the country will endeavor to prolong its reign by working upon the prejudices of the people until all wealth is aggregated in a few hands, and the Republic is destroyed. I feel at this moment more anxiety for the safety of my country than ever before, even in the midst of war.”
- U.S. President Abraham Lincoln, 1861-1865
“This a government of the people, by the people, and for the people no longer. It is a government of corporations, by corporations, and for corporations.”
- U.S. President Rutherford B. Hayes, 1877 – 1881
“Corporations, which should be carefully restrained creatures of the law and servants of the people, are fast becoming the people’s masters.”
- U.S. President Grover Cleveland, 1885 - 1889
"The real truth of the matter is… that a financial element in the large centers has owned the government of the U.S. since the days of Andrew Jackson."
- U.S. President Franklin D. Roosevelt, 1933-1945
PLEASE PASS THIS ON!
- U.S. President Thomas Jefferson, 1801-1809
FOREMAN FAMILY vs BANK OF AMERICA ----- Talk about your David & Goliath! My family is in the thick of it. I've never understood Franz Kafka more than I do now. The situation is sheer lunacy, but what has become obvious is that it is a pattern of banking perpetrated against thousands of customers. My congressman's office alone is pursuing over thirty investigations. Astonishing. People have had their homes auctioned out from under them, and only learn of this action when they receive an eviction notice. Homes that enter into the Home Affordable Modification Program put forth by the Obama administration, even those granted the reduction, are in terrible danger of being ensnared in B of A's tentacles, undergo an endless waiting period full of delays,rack up fees,and then lose everything. Bank of America tells me there is no appeal because Obama's program doesn't provide for appeals. Can this be true? I report what I'm told.
Read on and learn how deeply cancerous this problem is.
“History records that the money changers have used every form of abuse, intrigue, deceit, and violent means possible to maintain their control over governments by controlling money and its issuance.”
- U.S. President James Madison, 1809-1817
“Unless you become more watchful in your states and check the spirit of monopoly and thirst for exclusive privileges you will in the end find that... the control over your dearest interests has passed into the hands of these corporations.”
- U.S. President Andrew Jackson, 1829-1837
“I see in the near future a crisis approaching that unnerves me and
causes me to tremble for the safety of my country… corporations have been enthroned and an era of corruption in high places will follow, and the money power of the country will endeavor to prolong its reign by working upon the prejudices of the people until all wealth is aggregated in a few hands, and the Republic is destroyed. I feel at this moment more anxiety for the safety of my country than ever before, even in the midst of war.”
- U.S. President Abraham Lincoln, 1861-1865
“This a government of the people, by the people, and for the people no longer. It is a government of corporations, by corporations, and for corporations.”
- U.S. President Rutherford B. Hayes, 1877 – 1881
“Corporations, which should be carefully restrained creatures of the law and servants of the people, are fast becoming the people’s masters.”
- U.S. President Grover Cleveland, 1885 - 1889
"The real truth of the matter is… that a financial element in the large centers has owned the government of the U.S. since the days of Andrew Jackson."
- U.S. President Franklin D. Roosevelt, 1933-1945
PLEASE PASS THIS ON!
Saturday, April 21, 2012
Foreman's Blog -- The Foreclosure Chronicles
Brian C. Moynihan, CEO
Bank of America
Charlotte, North Carolina 28202
April 19, 2012
Dear Mr. Moynihan:
I have been a writer all my 71 years, twice published as a novelist, produced as a screenwriter, teleplay writer, and playwright. At one time I made too much money in Hollywood, and now I make too little in Greene County. My wife and I have struggled to make a living but we’ve made it, and raised two fine children who call our place home. We have an old farm in upstate New York that our son and his bride intend to work again. My daughter lives in Boston but is rooted here. It’s a comfort for her to know she’s always got a home. My grandchildren will be raised here. We have holy places on our mountain, special places where trees have grown, ashes have been scattered, ginseng has been found, deer have fallen. Now I’m looking at the end of all this? My life has suddenly taken on the most ghastly elements of reality TV: Bank of America has me in a death grip. It is an ironic tale, and horrifying, and has been thrust upon my family like a blitzkrieg. I am a Greene County, New York resident of more than twenty-eight years, and now I wake up every morning faced with the nightmare of losing my home. Please listen.
What follows, noted by bullets, is a summary of my situation.
· In the Summer, 2010, I applied for Home Affordable Mortgage Modification through Bank of America. B of A was not my original lender but bought my mortgage from Countrywide who bought it from the original lender shortly after it was granted. I felt somewhat swindled because I hadn’t chosen them in the first place. Nonetheless.
· I was not in trouble with my mortgage at the time of my Home Affordable Modification application, but I wanted a better interest rate. My interest rate was then at 7% and the current rate was 4%. With the exception of a single glitch many years ago when a payment was paid forward instead of backwards, I have paid my mortgage faithfully for twenty-eight plus years. My mortgage when I began the process of modification was $1,842.60/month.
· Shortly thereafter Bank of America paid my insurance and yearly taxes. I did not request this but figured I was certainly on track for a modification.
· I was approved for modification twice. Two times. The process took a year and was nerve wracking. Mistakes were made but we got through it. Except for the exorbitant balloon payment ten years hence, the modification was fine and I accepted it. It included my taxes and insurance. After years I was finally getting my finances under control.
· Was told via phone telephone call that all my documents were in place. It was on a day early in April when my usual customer relations person was off. My usual customer relations manager is Jennifer Rainey, 800 669 6650
· April 13th – Informed I was rejected due to a typographical error. While the notary had the correct date, 4-10, and it was faxed on 4-10, I had mistakenly written 8-10 instead of 4-10 under my name. My wife had no date at all under hers. Document is enclosed.
· Because of the rejection my mortgage has skyrocketed by more than $600 and will go up even further to a figure that, I was told, the bank will reject – in the neighborhood of $2,800 --which means, even if we found the means to make the payment, we won’t be approved and we will lose our home. Can it be there is no appeal for a typo?
Sir, can you believe the irony of this situation? I don’t need to tell you this is truly a waking nightmare. How does it happen that I apply for a home affordable modification, get it, and wind up losing my home when originally I was in no trouble whatsoever? My family has worked hard to stabilize our finances, and now this. Why does Bank of America need my house? You, sir, can pick up the phone and rectify this situation for me, and I pray you will do so.
You should also know that Senator Gillebrand’s (NY) and Congress Gibson’s (20th District, NY) offices have both launched investigations as has the Consumer Financial Protection Bureau, and the executive editor of Rolling Stone has passed my information to Matt Taibbi. I also intend to publish this letter on my blog. Friends will take it from there. And I do have a lawyer. Mr. Moynihan, this is simply too important to not meet the crisis head on. You’re a hard charger. You must know that!
Please, sir, make that phone call!
Respectfully
Stephen H. Foreman
shf@wildblue.net
Bank of America
Charlotte, North Carolina 28202
April 19, 2012
Dear Mr. Moynihan:
I have been a writer all my 71 years, twice published as a novelist, produced as a screenwriter, teleplay writer, and playwright. At one time I made too much money in Hollywood, and now I make too little in Greene County. My wife and I have struggled to make a living but we’ve made it, and raised two fine children who call our place home. We have an old farm in upstate New York that our son and his bride intend to work again. My daughter lives in Boston but is rooted here. It’s a comfort for her to know she’s always got a home. My grandchildren will be raised here. We have holy places on our mountain, special places where trees have grown, ashes have been scattered, ginseng has been found, deer have fallen. Now I’m looking at the end of all this? My life has suddenly taken on the most ghastly elements of reality TV: Bank of America has me in a death grip. It is an ironic tale, and horrifying, and has been thrust upon my family like a blitzkrieg. I am a Greene County, New York resident of more than twenty-eight years, and now I wake up every morning faced with the nightmare of losing my home. Please listen.
What follows, noted by bullets, is a summary of my situation.
· In the Summer, 2010, I applied for Home Affordable Mortgage Modification through Bank of America. B of A was not my original lender but bought my mortgage from Countrywide who bought it from the original lender shortly after it was granted. I felt somewhat swindled because I hadn’t chosen them in the first place. Nonetheless.
· I was not in trouble with my mortgage at the time of my Home Affordable Modification application, but I wanted a better interest rate. My interest rate was then at 7% and the current rate was 4%. With the exception of a single glitch many years ago when a payment was paid forward instead of backwards, I have paid my mortgage faithfully for twenty-eight plus years. My mortgage when I began the process of modification was $1,842.60/month.
· Shortly thereafter Bank of America paid my insurance and yearly taxes. I did not request this but figured I was certainly on track for a modification.
· I was approved for modification twice. Two times. The process took a year and was nerve wracking. Mistakes were made but we got through it. Except for the exorbitant balloon payment ten years hence, the modification was fine and I accepted it. It included my taxes and insurance. After years I was finally getting my finances under control.
· Was told via phone telephone call that all my documents were in place. It was on a day early in April when my usual customer relations person was off. My usual customer relations manager is Jennifer Rainey, 800 669 6650
· April 13th – Informed I was rejected due to a typographical error. While the notary had the correct date, 4-10, and it was faxed on 4-10, I had mistakenly written 8-10 instead of 4-10 under my name. My wife had no date at all under hers. Document is enclosed.
· Because of the rejection my mortgage has skyrocketed by more than $600 and will go up even further to a figure that, I was told, the bank will reject – in the neighborhood of $2,800 --which means, even if we found the means to make the payment, we won’t be approved and we will lose our home. Can it be there is no appeal for a typo?
Sir, can you believe the irony of this situation? I don’t need to tell you this is truly a waking nightmare. How does it happen that I apply for a home affordable modification, get it, and wind up losing my home when originally I was in no trouble whatsoever? My family has worked hard to stabilize our finances, and now this. Why does Bank of America need my house? You, sir, can pick up the phone and rectify this situation for me, and I pray you will do so.
You should also know that Senator Gillebrand’s (NY) and Congress Gibson’s (20th District, NY) offices have both launched investigations as has the Consumer Financial Protection Bureau, and the executive editor of Rolling Stone has passed my information to Matt Taibbi. I also intend to publish this letter on my blog. Friends will take it from there. And I do have a lawyer. Mr. Moynihan, this is simply too important to not meet the crisis head on. You’re a hard charger. You must know that!
Please, sir, make that phone call!
Respectfully
Stephen H. Foreman
shf@wildblue.net
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