My name is Kathleen Shute my husband is the borrow Cole Shute we have been a targeted by predatory lenders. We refinanced our home in 2006 so we could remodel it the broker named norm Zolkols lic# mc2236 (which belongs to American house of finance in Liberia since 1987 .He sent a man here to gather information the man was dropped off, we weren’t finished with the information and questioning and his ride came he fled with our tax returns and never came back. I called and was promised he, would return, they never did. We made it clear the loan had to be fixed, included tax and insurance, and reserve a life estate for my mother in law. John Donavan came and said sign here, here and here, initial here nothing was notarized my husband’s id never checked and he fled quickly also. Here starts the nightmare they filed a quick claim deed so that was costly to fix, cause our taxes to go up due to the tax freeze on life estate so after 6 months payments went up 600.00. WE were denied a loan mod. My husband’s income was lied about in 06 he brought home 1600 a month the sleazy broker put 2700 and the value of home was only 120, 000 on application it stated 220, 000. I just recently noticed these things our documents are not signed or initialed. So now we had a 1600 month payment witch that’s all he made in a month and I just had our second child and didn’t work so all other bills suffered along with his 700 credit score. We fixed this issue, in 2007 we were accused of not pay June July had to dig up checks fax to first horizon and they had to review it, they wanted us in for closer for second time .In 2008 our statements read MetLife we didn’t understand why when my neighbor had first horizon still. Our escrow was always short so our payments always went up, always applied for modifications never approved. In 2009 we signed up for an equity accelerator program which we would pay of loan early and have 43, 000 more in equity. We did this for a whole year until the flood 3/31/2010, we lost everything .I at that time called to inquire not apply what would happen if we couldn’t stay in this program .Ms. Webb a supervisor whom worked for first horizon said there was a special program for disaster victims she said not to worry she would handle the paper work and send it out.(I’m not on loan ) we never got anything in mail and our statements said 000.000 3 months went by we stayed in hotel for 90 days all day at house and slept at hotel at night. July my husband received a phone call saying we were going into for closer and we were 3 months behind .I immediately applied for loan modification and sent 2 payments they accepted (plus the month ahead) my august statement was for 1 month I sent payment thru bill pay they sent it back saying it was partial payment, found out in November the payment was rejected due to how I made the payment <so now still in for closer status 4 lost loan modifications later 10/20/2010 we were sent a packet which needed to be signed and mailed with payment 11/1/2010 .I explained I couldn’t pay still I was paid on 3rd they noted account .December payment they wasn’t going to accept cause it was after 1st, they ended accepting up but couldn’t provide me a confirmation number I had to call back. I still was receiving collection door knockers and pictures were being taken of property my husband’s credit was destroyed. How could they allow a stranger to put a home loan in suspension for 90 days and end result for closer (what if I was his ex wife or an enemy I could have been anyone ) that’s not protecting his privacy after we lost our jobs and everything we own in the house by the flood 15 feet of water my house was under when I called that day, I was in no state of mind to make a decision on my own, on a home that wasn’t mine, and when is it ok even if it was my husband to make an oral agreement over phone. I have written 1000s of letters none responds or refers me to AG whom also ignores me. They wrote 2 letters MetLife ignored, the Dep of Banking regulations forwarded my complaint to OCC told me to follow up, I did 11/19/2010 MetLife ignored them it’s been almost 5 months, I have a contact from Dept of administration [email protected]
Who also can’t get the information he is requesting. It seems my lender has been tiring to take my home since I said hello.
I stared to do research and first horizon went bankrupt in 2009 supposedly yet the equity program we started in 2009 was first horizon and MetLife was on statement .MetLife and first horizon have same tax id and when I paid first horizon 2009-2010 MetLife claimed the taxes on it. My escrow was short that year as well. They have same employees as first horizon, they are not accredited with BBB they have F rating 83 complaints from 2009-2010. MetLife doesn’t use The REAL METLIFES copyright “peanuts”. Home land funding Inc had computer stolen my husband personal information was compromised we were never notified .homeland funding is now maverick funding. The appraisal company used
GTS APPRAISAL in providence unknown company, credit reporting company CIBMS in Warwick .our home was supposed to be FHA it’s not. MERS holds the note and I pulled title and first horizon is the only lender on the title so MetLife don’t have any right to foreclose. This loan I don’t even think is valid; they never took any of my husband identity info a copy of license anything. Our identity was stolen right after disaster/forbearance nightmare. I have title report I can email to you .Charles Fish from AG office said we were hit with every scam in book and this case is extreme. We are not in for closer but I’m sure they will try to put us back there soon enough. WE have been victimized and suffered severely lost jobs family almost split, we almost lost the home my husband was raised in we have a small loan 147, 000.00 I don’t think MetLife will even bother going to court in fear knowing they can’t win I have that much confidence, I have written so many letters and my story doesn’t change now there’s more to it cause e I started noticing strange things. Credit scores can be fixed but family’s mental anguish could last forever .I wanted to kill myself when I thought I was the one who did this to my family .WE just had 3rd child and remolded our home that was destroyed in a flood now our lender is tiring to take the one thing we have left .
I have been denied council so many times saying I don’t have a case but I won’t stop until some will take the chance with me
I have more than a case I have a LAWSUIT
THANK YOU IN ADVANCE
MR & MRS SHUTE