First to call BS.
You win something for that?
>>First to call BS.<<
I agree. Extraordinary claims require extraordinary evidence.
Thanks to the internet, now more than ever this is true.
This is very simple. Without official documents crossing your doorstep you are not liable. Personally, once they told me of the 30 cent error, I would have sent them a check for 30 cents and if they wanted more, immediately gone to small claims court for the maximum amount AGAINST THEM for harrassment.
The fact that they were told by “unbiased” lawyers that they were screwed means one of three things: 1. the lawyers were lazy incompetents. 2. the case was not worth their time. 3. This case is not what is described in this post.
I’ve been on Jury duty during two long and complicated trials. The most important take-away from both of those experiences was that you NEVER make up your mind until you have heard both sides make their case.
This one is one sided. That makes it an interesting read but, then, so is a lot of fiction.
Grotesgue as it seems, the story sounds entirely too plausible to me.
You must live in a state of grace, or a hermits cave if you have not experienced something similar.
These things happen, the guy did not even need to make the 30 cent error to experience something like this.
He was lucky he found a judge willing hear the facts instead of copping a “this must be BS, pay the upstanding GMAC (or Countrywide or your choice of financial institution), as they could neither err nor cheat”.
If you think this kind of crap doesn’t happen, and you think it can’t happen to you. You better think again.
“First to call BS.”
I originate mortgages for a very large entity. A month or so ago we had someone walk into our bank where I am located.
He said that he just found out his home had been foreclosed on and that was the first thing he had heard about any problems with anything with his mortgage.
After spending an hour calling loan servicing and the law firm who was handling the foreclosure, we found out that yes the property had gone all the way through the foreclosure process and had been sold at a sheriffs sale. The process would take at least a year and multiple notices would of course be sent out out to the mortgage holder..
They left and went home and I saw some emails the next day from our loss mitigation people.
It turns out that they had spoke with this guy multiple times and had given him options of what to do. He just didn’t do what was needed to stop the foreclosure process and could have.
I get a bit cynical with some of these stories. For every case a lender does something stupid; there are 10 cases where a BS artist just won’t pay their bills and wants to blame someone else.