OK, so i am one of the many people plauged by the whole forclosure thing that is happening throughout the entire country. But let me just say this, i am not in forclosure because i wasn’t making my payments. See way back in May of this year, i know that was a long time ago right… anyhow, back in May i called in to make a payment to my Mortgage company, however after i scheduled my payment i assumed that everything was cool… Yeah you guessed it, it wasn’t come the 15th a payment was taken, then they tried to take another on the 19th of May, and on the 27th of May.

Thats right 3 payments in the same month. of over a 1100 dollars each.

So i call the mortgage company to tell them this is obviously not right, they tell me to write a letter explaining what was not right, and that it was an error of thier representative. So i did, and faxed it to them. Meanwhile, i am being screwed becuase i have to pay the bank back all the overdraft fees, etc. because of the mortgage company trying to withdrawl funds that are not there. (I don’t know about most of you, but i know that i am a normal person that does not have $4000.00 sitting in an account just incase the mortgage company does make a mistake like this.)

So weeks later i receive a letter from the mortgage company stating that there was no mistake, of course i became irate at this point because along with the letter i sent them i also faxed the bankstatements showing what had happened.

So i call and talk to another Customer Service Agent who argues with me for over an hour and a hlaf and decides to tell me that maybe the Research Department got confused…. so i said how could they get confused? they don’t know how to count? 1,2,3?

So i faxed another letter with the same bank statements that i had previously sent, along with the first letter, and the 3 letters i had received from them since this whole thing started.

Then after this letter magically they say yes we do owe you a refund, however the check they sent was considerably less than what was owed to me, put it this way, it may have been 2% of what was owed to me.

Anyway, as you could guess becuase i am this normal person i am still trying to pay the bank off for what the morgage company had done to me. so i deposited the small, very small check into the account.

I contacted the mortgage company again, and now they don’t have enough information… evidently they don’t know how to file either. So i started thinking… while i was being ridiculed by the Customer Service Representative on the other end of the phone, that i was getting an attorney… so i told the lady who was degrading me (becuase you know i am an ungratefule person who doesn’t like to make my payments) that i was getting an attorney, and then she asked me if i could make a payment. I almost died laughing….. i said, excuse me but i would have made a payment if i didn’t have to give the bank back all the money that you people had overdrawn me. She said so your not going to make a payment? i said welll NOOO!! i don’t have the money to now, and further more i will not make a payment until this is resolved and you will be hearing from my attorney.

Ok, so i got an attorney, we drafted letters, showed exhibits, and of course accused them of fraud, we filed that and sent it to the Corporate Office, about 3 weeks later i am served by a Sheriff’s Officer with Foreclosure papers.

We drafted answers to that and filed them as well.

Then i was offered to reinstate my  loan or a loan modification, but to no avail with in a week (no time to answer that) the attorney was sent papers stating that they filed for Summary Judgment.

So now here we set, trying to do a loan modification, and they are persuing a judgment….

I hate to rant but does anyone have any advice?

ok, so we are getting ready for our wedding that is fast approaching, and we are both getting very excited, and stressed, and trying to figure out what we are going to do for the seating….. i finally got my dress, and am going tomorrow to pick out the tux’s for the guys so they can go get fitted and everything. like i said i only have a problem with seating, it is an outside wedding and we don’t know if we should use hay bales or order boookooo seats. We want to stay reasonable in price but yet comfortable at the same time. anyone have any thoughts?

ok, this is a very person subject for me, and i know that it was pretty clear during the presentation, or should i say after during the question and answer session…. i am totally for stem cell research i feel that it is an avenue we must explore for the good of humanity….

i am also for invitro frtilization… and such, personally, i am going through this right now, have been for a while…. i have done alot of research in reguard to this subject…. bio sciences. i know that i know more than any normal lay person might htink they know… however i am not an expert, and would never claim to be….. because of my personal issues i have taken a very personal interest in knowing what is going on and how things are progresesing in the science world…

one made a comment on population growth and controlling it, i took that kind of personal becuase i am trying to have another baby….. yes i have one, but we would like another…

i am sorry if i have offended anyone with anything that i have said, but everyone is entitled to their own opinion.

wow, well ok, deep breath…. sexual harrassment in the work place, now that is a touchy subject for most, you never know how someone will take what you say or an action you might do…. you may not think it is offensive but some one else may.

i say, you do not treat others the way you don’t want to be treated….. if you are at work you are supposed to be ethical anyway… there are alot of companies out there that are against relationships within the company, and for good reason. A lot of people who date in the smae workplace can only surmise trouble… if you have a fight at home you take it to work with you, if you break up and it was just a office fling,…. well you know what could happen, your other partner could claim sexual harrassment against you,…. not good for either one…

then you have those that just becuase they are of higher authority than another think that they can use that as leverage…. to get what they want… while some do, they have absolutely no idea what kind of picture that paints of them or the person excepting the gestures……….

I know that the environment is a very big topic these days, however i must say that i am not up on all the recent news.. what i can say is that i know that we people take this earth for granted and if we continue to do so we will ultimately ruin the earth and leave no place for our children, grandchildrena dn great grandchildren to live, grow and prosper….i know that we waste so much, and that includes water, did we forget about all those who are not fortunate to have clean drinking water? yes we have a lot of technology and we have progressed a long way, however i feel that what we take from the earth we are unable to replace adequately. We as a whole human race waste paper(trees) this is what gives us the oxygen we breathe…. we take this all to lightly…. we should conserve and make the world a better place for us to live and our generations to follow.

i believe that every couple should be a man and woman, however i do not discriminate against those who are homosexual either…. i just feel that a man and woman should be together just as god intended… that was god’s way…. The only way….

i can not concieve the thought of sharing my husband with another woman nor could i concieve the thought of group living… no matter what i think though it is irrelevant, it happens and it happens everyday.

i dont think it is right (just as the law) that a person have more than one spouse. this too is wrong. in my mind. i know that everyone has a different opinion… but this is mine.

enjoy!!!

i do not feel that i can say that i am on one side or the other, sometimes i feel that an eye for an eye should hold true and if it did then i know that our crime rates would drop here in the United States and elsewhere. On the other hand sometimes i don’t agree with it… i am glad that they are allowing some prisoners DNA testing to see if they were really telling the truth all those years ago before DNA testing was available… i don’t agree with taking a life if the person ws found to be innocent afterwards….

moving on… i know that i would propbably take a life of another if it involved my family being hurt, menaing i would do what ever the situation called for, and if it meant that my families life was in danger then i would try to prevent them from having to suffer. i think there was some one else that said something along those same lines in the blogs… anyway i agree. i would go that far if i absolutely had to.

allowing someone to die is very hard… we whent through this about five years ago with my son’s father. He was 23 years old and was brain dead due to an accident.( well what we will call an accident) anyhow, it is not an easy decision to make but i know that we would not want to live like that. i agree with the living will aspect and am very thankful that we have that opportunity to make that decision for ourselves instead of leaving that up to the family or loved ones to decide. to put an end to ones misery if they persistantly asked for the help would be a moral thing to do for that person i think, how ever would you be able to live with yourself, knowing that you had a hand in someones death that was not brain dead? 

I can not say that i am on one side or the other, this is a very touchy subject. however what i can say is that for the most part i am against abortion, the only time i feel abortion is the right way to go is if it would take the life of the mother who is carrying the baby.

I do not believe that women who are raped and ultimately end up pregnant should go running to an abortion clinic because they feel that the child will be a constant reminder of what had happened to her, however i feel that they should give the child up for adoption once the child is born.

some people think that just becuase the father raped a mother the child will act out in the same way when the child becomes old enough, let me tell you this, there is no scientific evidence as to this!

I was watching tv lastnight and on dateline there was a episode called into the woods, this was about a guy who was brought up in a normal loving home, and had a normal child hood, he was the “all american boy,” what happened was he raped a young girl, now no one in his family had these genes, so what happened? (thats for those who think it is in your genes) what happened was a daughter of his girlfriends told the school that he had slept with her in bed….. slept meaning (sleep) when she was the one (12 yrs old) who would go in and climb into bed with him when her mother left. now do i think that this is right no! however the girl told a lie, and instead of the police questioning him, they whent to everyone else, this outraged the man and he ran into the woods and made a bunker underground deep into the woods in his own neighborhood, no one knew he was there, but becuase of what happened the guy whent nuts….. he had planned on kidnapping the girl that told those things about him, however children services took the girl away and sent her out of state to live with family members, so his plan converted to another young girl whom he watched get off the bus everyday… he did kidnap this young girl and yes he raped her, but in his warpped mind he thought well if they accuse me of it, why not just do it. The story goes on but i will not bore with it

The whole point is dont use abortion as birthcontrol, and do not make assumptions about how someone gets the way they are becuase of their genes…

I really liked the presentation for the most part, and when you think about it everyone has done atleast one of these in their lifetime, or will continue to do one of these. Personally, i feel that it is wrong to cheat, be it on a spouse or at school or in the work place. I have never cheated and i have a great sense of self fulfillment about that, i am able to sleep at night. I have told white lies, but who hasn’t right? I am sure as a little girl i have told a lie to get out of trouble or to plain not get into trouble. Stealing, nope don’t feel that, that is right either. I learned my lesson when i was a young girl, i think i was 4 years old, i whent to the store with my parents, and while i was in the checkout line, evidently i thought i just had to have a pack of gum, so i put it in my pocket…. needless to say when we got to the car, my parents seen me take it out of my pocket. I wanted to chew a piece of gum, well i was questioned and taken directly back into the store and made to give it back. I had to appologize and give the check out lady a dollar out of my own savings,(it was in my princess purse) to pay for stealing a pack of gum, then i had to leave it there…:( that made me very say, anyway i learned my lesson, DON’T STEAL!!!

As for breaking promises, i try not to, if i tell someone i am going to do it, then i try my hardest to make that happen.