The lender your dealing with is not the lender of record. Its a servicing arm of the Wall Street investors manged by a Trust. The trust is precluded from owning any assets - HELLO! but, they cannot. So they are trying random and conflicting methods for attacking you and trying to get your home. In other words your home is up for grabs and the parties calling you are trying to get out from recourse. That means they had some involvemnt in being paid at the close and now have to make good on guarantees of one sort or another. Whatever is triggering the "repurchase" they are taking liberities with you that are against the law.
Here, if you want to really return the favor, send the parties your talking with a "satisfaction" of mortgage or reconveyance". Its a demand issued by you for a payoff . How in the world will that work? (I get attacked every time I say this by nay say'ers when I write about this). Ask for the original note as starters! If they cannot provide it thats evidence the loan was paid off already by mortgage insurance, or over collateralization.
A Government bailout made good on thousands of loans like yours....Right. So now the insititutional frenzy has started to collect (default or not) for somthing they think is up for grabs. IT NOT, hear me. Write me if you like at http://www.borrowerhotline.com
Customer Service said they got it from county records and had my bank's name. We don't have county records in Connecticut. They got it from Wethersfield town records which is NOT posted on the Internet. They have to either go down there or call them for copies to be mailed at cost. Vision Appraisal web site does not show any Lis Pendens which simply means "lawsuit".
I'm not complaining about them posting public records, that's OK I guess. What some may be missing is that if you pay Trulia (et al) a subscription fee you get WAY more info on people in Foreclosure. My gripe is that if I was not contacted by Trulia (et al) to OPT IN/OUT on publishing my name, address, phone number, and financial data. I believe it should not be allowed. The same goes for White Pages, Google, 411, etc. They all have opt-out sections where you can have your information blocked or deleted.
The part that burns me up so bad is all of the phone calls and visits from their clientÃ¨le. This is almost like stalking. They are facilitating stalking mentality of their paying clients. Your right when you say the free listings don't display too much and I'm not talking about that. I'm talking about the paid subscription part. And I also have a gripe that they don't keep the data updated periodically enough. If I didn't say something it would have stayed up there as PREFORECLOSURE for several months probably.
I'll be happy if they offer a free self-service OPT IN/OUT section to foreclosure victims. Finding out about it should remain on us to surf the net to find it. Its called "due diligence".
I'll add my congrats to those who said they are glad you worked things out successfully, and to you who said you had a minor problem with your bank but were able to work things out within a few weeks. It isn't easy for a lot of us. Times are tough. I empathize with you, me and millions of others.
I caught site of the link that had Wolcott Hill written on it. I'm around the corner, so we are neighbors, Chris. Hey, the link only says a house on "Wolcott Hill" and not your specific address, or did I miss something? Most of us are not going the extra step to look on town records .. or on sites that have already accessed the details ... to find out about the specifics of a Lis Pendens situations.
One point is well taken: Trulia may need to reevaluate their reporting of Lis Pendens situations and not blatently name it on their site under a category called "Foreclosure". It has to be humilating to personally see one's address described as such. In legal terms a Lis Pendens is simply a written notice that a lawsuit has been filed concerning real estate. Recording a lis pendens simply secures plaintiff's claim against the property. There's more to it, but for anyone interested in a full disclosure of the meaning of Lis Pendens, just google it. I just want to add my concurrence to that of Chris's that sites, like perhaps Trulia and others, should rethink their "category descriptions" and not necessarily "categorize" a property under the terminology "foreclosure" just because a filing of Lis Pendens has been recorded on land records.
On the other side of the coin:
Public Information is indeed available to one and all. So, filings on town records are indeed available for all to see and can therefore be passed along by web sites and others.
It looks like Realty Trac got hold of some information from the recordersoffice- it could be some sort of lien, any kind...
ANY information found on-line really needs to be verified; I have made mistakes myself when describing property, used the wrong picture, or even worse used someone elses picture that was later transfered to a very inappropriate image...
I think the information gets downloaded to Trulia automatically- I can understand your frustration.