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Adult daughter stole entire life savings
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<blockquote data-quote="jeanne in CA" data-source="post: 628573" data-attributes="member: 18036"><p>If you all will indulge me, I wanted to share with you the details of what took place on our mortgage that eventually ended us in bankruptcy. It is pretty unbelievable to us even now. I will break it up in two posts.</p><p><strong><em>Home Mortgage nightmare- due to our daughter's ongoing theft and subsequent cover-up, </em></strong><em>for more than two years my husband and I have been engaged in a battle with our mortgage company that entailed them putting our home for public auction five times, us filing a lawsuit against them, and us enduring the ongoing stress of imminent foreclosure. Simply put, the mortgage company maintained that we had not made our monthly payments for some time, and since we owed far less than what the house was worth, they were anxious to foreclose. For months I called, wrote, and argued with their representatives nearly on a daily basis. They insisted we had not made payments, but I never got consistent responses on exactly what payments were supposedly missing and what was the total amount of arrearages was. At this time, I had no idea that our daughter had assumed my identity, accessed my bank account, halted our monthly mortgage payment, pocketed the mortgage money, and spent it every month. </em></p><p><em>We applied for a Loan Modification with them as a way to stave off the sale pending resolution of the issue. As stated above, we were totally unaware of our daughter’s duplicity. We knew we had made all payments and were confident that we would not actually need the loan modification. When I had an account with a local, the payments to the mortgage company were on AutoPay. When I switched to a Credit Union due to problems with my bank, my daughter had supposedly set up the monthly mortgage payments through Bill Pay. The Loan Modification application required two months of bank statements among a plethora of other documents. I was having trouble accessing my new credit union records so she volunteered to get the statements for me online. </em></p><p><em>The Loan Modification process was a nightmare, consisting of lost or misplaced paperwork, and a revolving door of their representatives all pointing at each other as the person responsible for evaluating our claim. They rejected our paperwork as incomplete and later said that same paperwork was complete. They claimed they never received the paperwork and then later said they had found it. They denied the application twice but then claimed it was still pending. Finally, they denied it again but refused to give a reason. I had no idea that her offers of help were simply manipulations designed to continue to cover her theft activities, keep us in the dark, obfuscate any genuine resolution of financial problems, and bankroll her expensive lifestyle. </em></p><p><em>At the same time the mortgage company was supposedly reviewing our request for a loan modification, I was meeting regularly with one of their home loan officers who found my distress and bewilderment to be sincere and who was trying valiantly to get our situation resolved. By this time, my daughter has purportedly been able to print off months’ worth of online statements from my credit union account and obtain a “payment history” from my former bank account when I was unable to. All documents showed the mortgage payments were made. Armed with what I considered to be incontrovertible proof, I took these documents to my meetings with this representative. Our daugher brought her baby and went with me. I was so appreciative of this representative’s attempts to assist us because he would immediately get on his phone and try to talk to people to get the situation resolved. He kept telling everyone this “is a no brainer” because “these people have proof”. (It is important to note that even he did not discern that her documents were forgeries, so cleverly did she forge them.) But even he was getting passed from one department to another and from one representative to another. No one was willing or able to help. </em></p><p><em>Finally, during a meeting on August 8, 2012, that same home loan officer informed me that he had just learned that our home was being sold at public auction on August 10th. He was as stunned as I was, but there was absolutely nothing he could do because he had no authority to halt the sale. I called my husband to tell him what had happened, and left immediately for the mortgage company office where they were supposed to be handling our loan modification. I was totally hysterical by that time. On my way there, my daughter called me and I told her what had happened. I basically stormed the doors of the Loan Modification Office and insisted on meeting with one of the representatives who was supposedly working on our request. I was shaking with fury and anxiety. I showed him the bank statements from my credit union and the payment history from my former bank and told him I was not leaving the premises until he did something. Again, a banking official did not discern the forged nature of her documents. He said it did look like they had made an error and possibly misapplied our payments to another account. While I was there he sent a message to their Executive Office indicating that he would recommend halting the sale if at all possible. He had no explanation for why they would sell the house while the loan modification application was still pending. (Part 1)</em></p></blockquote><p></p>
[QUOTE="jeanne in CA, post: 628573, member: 18036"] If you all will indulge me, I wanted to share with you the details of what took place on our mortgage that eventually ended us in bankruptcy. It is pretty unbelievable to us even now. I will break it up in two posts. [B][I]Home Mortgage nightmare- due to our daughter's ongoing theft and subsequent cover-up, [/I][/B][I]for more than two years my husband and I have been engaged in a battle with our mortgage company that entailed them putting our home for public auction five times, us filing a lawsuit against them, and us enduring the ongoing stress of imminent foreclosure. Simply put, the mortgage company maintained that we had not made our monthly payments for some time, and since we owed far less than what the house was worth, they were anxious to foreclose. For months I called, wrote, and argued with their representatives nearly on a daily basis. They insisted we had not made payments, but I never got consistent responses on exactly what payments were supposedly missing and what was the total amount of arrearages was. At this time, I had no idea that our daughter had assumed my identity, accessed my bank account, halted our monthly mortgage payment, pocketed the mortgage money, and spent it every month. We applied for a Loan Modification with them as a way to stave off the sale pending resolution of the issue. As stated above, we were totally unaware of our daughter’s duplicity. We knew we had made all payments and were confident that we would not actually need the loan modification. When I had an account with a local, the payments to the mortgage company were on AutoPay. When I switched to a Credit Union due to problems with my bank, my daughter had supposedly set up the monthly mortgage payments through Bill Pay. The Loan Modification application required two months of bank statements among a plethora of other documents. I was having trouble accessing my new credit union records so she volunteered to get the statements for me online. The Loan Modification process was a nightmare, consisting of lost or misplaced paperwork, and a revolving door of their representatives all pointing at each other as the person responsible for evaluating our claim. They rejected our paperwork as incomplete and later said that same paperwork was complete. They claimed they never received the paperwork and then later said they had found it. They denied the application twice but then claimed it was still pending. Finally, they denied it again but refused to give a reason. I had no idea that her offers of help were simply manipulations designed to continue to cover her theft activities, keep us in the dark, obfuscate any genuine resolution of financial problems, and bankroll her expensive lifestyle. At the same time the mortgage company was supposedly reviewing our request for a loan modification, I was meeting regularly with one of their home loan officers who found my distress and bewilderment to be sincere and who was trying valiantly to get our situation resolved. By this time, my daughter has purportedly been able to print off months’ worth of online statements from my credit union account and obtain a “payment history” from my former bank account when I was unable to. All documents showed the mortgage payments were made. Armed with what I considered to be incontrovertible proof, I took these documents to my meetings with this representative. Our daugher brought her baby and went with me. I was so appreciative of this representative’s attempts to assist us because he would immediately get on his phone and try to talk to people to get the situation resolved. He kept telling everyone this “is a no brainer” because “these people have proof”. (It is important to note that even he did not discern that her documents were forgeries, so cleverly did she forge them.) But even he was getting passed from one department to another and from one representative to another. No one was willing or able to help. Finally, during a meeting on August 8, 2012, that same home loan officer informed me that he had just learned that our home was being sold at public auction on August 10th. He was as stunned as I was, but there was absolutely nothing he could do because he had no authority to halt the sale. I called my husband to tell him what had happened, and left immediately for the mortgage company office where they were supposed to be handling our loan modification. I was totally hysterical by that time. On my way there, my daughter called me and I told her what had happened. I basically stormed the doors of the Loan Modification Office and insisted on meeting with one of the representatives who was supposedly working on our request. I was shaking with fury and anxiety. I showed him the bank statements from my credit union and the payment history from my former bank and told him I was not leaving the premises until he did something. Again, a banking official did not discern the forged nature of her documents. He said it did look like they had made an error and possibly misapplied our payments to another account. While I was there he sent a message to their Executive Office indicating that he would recommend halting the sale if at all possible. He had no explanation for why they would sell the house while the loan modification application was still pending. (Part 1)[/I] [/QUOTE]
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