Who called from 5033728142

Just got a call from them.  They left a message.  It's IBM LBPS (Lender Business Process Services).  My mortgage just transferred to them because I stopped paying Aurora Loan Services about 5 months ago.  My bankruptcy, chapter 13 process had Aurora bail on me and dump me off to them.  I had called them after receiving my "welcome package" materials to begin the Loan Modification process as I was doing with Aurora before the transfer.

They called me at 1:20 PM EST.  I didn't answer and they left no message.  I completed my three month mortgage modification period, two months with Chase before they transferred me to IBM LBPS and I paid the third month with IBM LBPS.  They took the money then when I sent my first permanent mod payment they sent it back to me saying it wasn't enough money  They then sent me a foreclosure notice through their attorney in Michigan, Orlans Associates.  They want me to start all over again.  No, as far as I'm concerned they have a contract with me personally, I kept my part of the contract, now they can keep theirs.  [email protected]

I spent a year working with Met Life on a loan modification before they transferred my loan to IBM/LBPS. Started all over again sending paperwork, then they finally told me that my partial payments werent good anymore. This is our so called government "Making Housing Affordable" program. All it is a way for the mortgage companies to get some money from you because in the end there going to foreclose on you anyway!

http://action.seiu.org/page/speakout/wheresthenote

This is IBM LBPS the NEW servicer of my loan. I recently learned that Chase didn't own my note that Fannie Mae did and that they only "serviced" the loan. I found this out when, in the middle of finally going through modification approval, Chase dumps me off to LBPS. This after Chase putting off my "God given right" (OK maybe law given) for mediation and trying to get a Summer Judgment (i.e. Foreclose)...Twice!! I showed up in court (twice) demanding my rights (and BTW the paperwork for the Summery Judgment doesn't state you have to be there but you better be) and finally got my mediation which led to this fake attempt at modification then they sell off my account. I now have to start all over. I can't even live in the house because of the fire, so I'm not even able to live rent free while all this is going on! Mean while every month the missed payments (which they won't accept any until they modify you) get added to my original load. This is what they want. If you foreclose at the beginning you only owe (and they right off) the original loan amount. Now, 2 years later, I have all those back payments tacked on to the original loan...plus lawyer fees (every time they tried for a summery judgment I get billed for that)...plus anything else they can think of. 2 years later and now Twenty-Four Thousand Dollars more that they can try to come after me when they ultimately do foreclose on me. Although they still get to write it off on their taxes at the end of the year that total amount. These taxes being so high since they are making so much money. On top of all that, my soulmate of 19 years was killed in that house on Oct 20th 2009...and they still play their games. If any lawyers out their want a good case against Chase this is it (I would think). All the lawyers here just want to "speak for you" and get you through basic modification. None want to go after them...but they should.