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  • 00:33

    THE DAILY COMPLAINT (SETERUS/APPLYING PAYMENT ERRORS/ESCROW/SUSPENSE/RESPA/CFPB)

    in Finance

    TODAY'S SPOTLIGHT:


    SETERUS MORTGAGE LOAN SERVICING ERRORS APPLYING PAYMENTS TO ESCROW ACCOUNT OR SUSPENSE ACCOUNT INCREASE IN MORTGAGE PAYMENTS CONSUMER RIGHTS RESPA CFPB


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 01:01

    6-29-15 SPECIAL GUEST: Mitch Kider of WBK with an important Regulatory Update!

    in Finance

    No question that the regulatory changes and the enforcement actions have made it more challenging to be a Mortgage Banker these days.  To discuss the latest challenges and what we can expect in the future, we have MITCH KIDER, Chairman and Managing Partner at Weiner Brodsky Kider PC, back as our special guest.  Mitch will be giving us an update on the regulatory landscape as well as answer including the following:



    What can we learn from recent mortgage industry litigation?
    What is the latest RESPA Enforcement by the CFPB?
    What are some of the more unique approaches CFPB has taken in their enforcement?
    What do you think of the CFPB’s position?
    The Department of Justice seems to be pretty active pursuing lenders for the submission of false claims concerning FHA loans.  What’s their approach?
    What do you think of the Quicken lawsuit against the Department of Justice and HUD?


    Don't miss this important broadcast with Mitch Kider, the nation's leading regulatory and litigation attorney defending those in the mortgage industry.  


    Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program styled “podcast” hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT.  

  • 02:01

    The Free American

    in Education

    Monday June 29 Carl Swenssen


    How your Elected Officials are Serving as Coporate Officers


    We Americans were born in a country founded on a violent and treacherous land grab from the original inhabitants, who themselves did not deal in real estate sales or mortgage fraud. Virtually every treaty made by the US government was broken by the US Army, which conducted the first modern extermination program, today known as “ethnic cleansing.”


    The legal system of a country based on African slavery and extermination of its natives can only be an exercise in fraud and hypocrisy.


    CRD Publlshing PO Box 144  Big Spring Texas 79721 520-413-2397 Cell 512-767-4561


    You can read about a major part of my history and the history of the Patriot Movement in my book, “Mystery Babylon, the New World Order Unveiled”. This book was written after the attempt on my life in 2004. The same organizations that tried to demonize me for starting the Militias in New Mexico went after the Christian Identity Christians I have known for years. It covers the attempt on my life and the subsequent attacks on various patriots and groups. the Free American wants to spare Americans the horror the Russian people faced when the Bolsheviks (Communists) murdered the Czar and 60 million white Christian Russians  www.freeamerican.com is where you can make a donation. www.shop.freeamerican.com is where you can get low cost pdfs of my books and magazines.

  • 01:00

    Looking to Sell or Buy a Home, which is it?

    in Real Estate

    Michelle Wilder-Baker and Tammie Harris is sharing their expertise on the real estate market, the do's and don'ts, what you always wanted to know to prepare in one direction or the other. To sell or not to sell, the process to selling, renting vs buying, the process to buying a home and getting pre-approved for a mortgage. Get your questions answered from the real estate guru's themselves, Michelle and Tammie of The Tammie Harris Team out of Raleigh NC

  • 02:58

    CLUB SATURDAY NIGHT

    in Real Estate

    Old school jams songs
    Hosted by Jam Master of Soul...musical arrangements/& Producer Dr.G...

  • 01:03

    Rates and Lanes with Rico Muhammad and Special Guest Henry Seaton

    in Business

    Ok I apologiez for last weeks miss haps. To make it up to you we got Mr.Seaton to joins us tonight!. So if you have any  Transportation law questions join us tonight to get sound advice from one of the industries top lawyers. As always we are going to cover this weeks DAT Trendlines report and the USDA Truck Rate Report.


     

  • 00:56

    Ron Siegel Radio Network June 25, 2015

    in Real Estate

    Ron Siegel of Anaheim Hills, CA, Lisa Dunn of Rancho Santa Margarita, CA and Bart Carey of Anaheim Hills, CA discuss: current events, financial markets, politics, and even poking fun at the rest of the media in a live radio broadcast from Anaheim CA on NBC Talk Radio. 


    Ron, Lisa and Bart discuss: What is collaborative Divorce; Should We Keep the House or Sell It; What Happens with a Mortgage after Divorce; Sellers Dilemma, OTM, FSBO or List Again; Top Tips for Home Safety While You’re on Vacation; Rep Jim Langevin, What We Should Be Doing to Protect Our Kids Credit; Mortgage Minute; Your Credit Matters; Real Time Real Estate; Word on Wealth; The SLT will Provide a Complementary Real Estate Action Plan (R.E.A.P.) Semi-Annually, and so much more.


    Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family.


    Reach Ron at                  


    ·         800.306.1990 


    ·         Ron@RonSiegelRadio.com


    ·         www.RonSiegelRadio.com


    ·         www.SiegelLendingTeam.com


    ·         Twitter: @RonSiegel


    ·         www.Facebook.com/RonSiegelRadio


          


     

  • 00:56

    Ron Siegel Radio Network June 24, 2015

    in Real Estate

    Ron Siegel of Anaheim Hills, CA, Robert Mott of La Quinta, CA, discuss: current events, financial markets, politics, and even poking fun at the rest of the media in a live radio broadcast from Anaheim CA on NBC Talk Radio. 


    Ron and Robert discuss: What are the Five S’s of Wine Tasting; Can a Bottle of Tainted wine “infect” the other bottles stored in the same wine cooler; 5 Crazy Things People Would Rather Do Than  Ask for a Raise; Homeowners Can Spend Over $9K a Year in Hidden Costs; Buy vs. FFRet, What Really Creates Family Wealth; Homeownership Hits Another Record Low; Mortgage Minute; Your Credit Matters; Real Time Real Estate; Word on Wealth; The SLT will Provide a Complementary Real Estate Action Plan (R.E.A.P.) Semi-Annually, and so much more.


    Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family.


    Reach Ron at                  


    ·         800.306.1990 


    ·         Ron@RonSiegelRadio.com


    ·         www.RonSiegelRadio.com


    ·         www.SiegelLendingTeam.com


    ·         Twitter: @RonSiegel


    ·         www.Facebook.com/RonSiegelRadio


          


     

  • 02:00

    The Free American

    in Education

    Russell Pappalardo The Mighty Phoenix


    Your Yankee Doodle Dandy Come Home - Born on the Fourth of July (8/9) Movie CLIP (1989) HD


    We Americans were born in a country founded on a violent and treacherous land grab from the original inhabitants, who themselves did not deal in real estate sales or mortgage fraud. Virtually every treaty made by the US government was broken by the US Army, which conducted the first modern extermination program, today known as “ethnic cleansing.”


    The legal system of a country based on African slavery and extermination of its natives can only be an exercise in fraud and hypocrisy.


    CRD Publlshing PO Box 144  Big Spring Texas 79721 520-413-2397 Cell 512-767-4561


    You can read about a major part of my history and the history of the Patriot Movement in my book, “Mystery Babylon, the New World Order Unveiled”. This book was written after the attempt on my life in 2004. The same organizations that tried to demonize me for starting the Militias in New Mexico went after the Christian Identity Christians I have known for years. It covers the attempt on my life and the subsequent attacks on various patriots and groups. the Free American wants to spare Americans the horror the Russian people faced when the Bolsheviks (Communists) murdered the Czar and 60 million white Christian Russians  www.freeamerican.com is where you can make a donation. www.shop.freeamerican.com is where you can get low cost pdfs of my books and magazines.

  • 01:08

    When The Students Are Ready

    in Culture

    We are at it again. The Ringing Stone Network is fortunate to present Joe Esquivel, Foreclosure master, Private Investigator License # A1830, Mortgage Securitization Analyst and Origination Compliance Analyst. He shall teach us about " chain of title" and more. If you have never heard Joe, you must stop by. This class is a 101 on foreclosure and promises to be fact driven. He took Usiku to another level and I stopped a friend's foreclosure the next day . Please stop by, receive this powerful lesson than go help someone.  

  • 00:30

    How Late Can a Consumer Rescind? Jesinoski Revisited

    in Finance

    The parties were invited to attend a meeting at which the borrowers signed the papers. The originator is usually not in attendance. The closing agent, usually a title agent, takes the signed documents into escrow. At some later time the alleged loan is "funded" by a wire transfer from an unknown source. The borrower believes that the originator is loaning him the money. In truth it was a "table-funded" loan in which the name of the actual lender was actively concealed from the borrower and the actual "loan" was not funded until some time after the meeting. Later the mortgage is recorded and the note is released from escrow and sent to someone whom the closing agent assumes to be authorized to receive it. When was consummation?


    Later the successors to the loan documents will allege that the loan closing was "consummated" at the time of signing, but that is not right. If there was a consummation of the loan at all it didn't occur until hours, days, weeks or months or even years after the meeting. It is a question of fact as to when the alleged loan was consummated. And if there was a table-funded loan there might have been no consummation at all. Instead whoever the real lender is might have some claim for quantum meruit or unjust enrichment to get their money back but if they raise that claim they cannot do it using the note and mortgage. So when does the three day period commence for rescission? When does the three year period begin for rescission? Is there a time when the borrower is prohibited by statue from sending the notice of rescission? And what happens if some company steps up and complies and then asks for the money? They don't have to object to rescission --- they can agree. If rescission is effective when mailed, who can vacate it?

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