In March of 2008 I closed on a Construction and Mortgage loan with
Mortgage mod to be filed with Taylor, Bean and Whitiker upon completion
of my home. I paid 10, 000 for both. The modification paperwork was never
sent to TB+W prior to closing because of failure of Dawn Mumpower VP
to forward it. Therefore I never received a mortgage only a 6% construction
loan. They refused to find a lender and offered me a balooning payment
continued construction loan for 3 years. I am a 100% disabled Vet Vietnam,
Desert Storm and Iraqi Freedom. Having cancer I rely on Disability which
would have been sufficient if they would have worked with me to reduce
my high interest rate; Hamilton refused and has now foreclosed on my
home. Also refusing a 282, 000 offer stating the house is worth 428K, the
bank's appraiser comped the house sight unseen to Isle of Hope whose homes are not under 500K completely inappropriate comparison.
I am now without a home, and unable to work. The bank refuses to even
remit my closing fees or land purchase down payment of 18, 000. This has
been an ongoing struggle with a bank that does not even have a charter to
give mortgages and discriminated against a Vet with cancer. I make 4, 000
a month and should have been given my promised 30 year fixed at 3.5%
which is what I was told I paid for. I have had 4 operations and asked
repeatedly for debt mediation and was told they don't have that service.
Three attorneys: David Zeigler, Robert Cook of Savannah and Barry Hughes
of Daytona my former residence have all been ignored by the bank to even
speak with Hamilton's counsel. 30 years of military service and, cancer and a divorce over all the stress, I'm truly broken that not even an ounce of
ethics exists for men like me who have raised families and served and have
totally lost wife, health and now my home because the unscrupulous bank
could hold me in a construction loan I could not pay for. I so need Government help.