Brenda Reed, Oakland, California

Something shifted in some capacity for on Friday 5/7/2010 I received 5 telephone conversations from a Vice President at the Chase Home Ownership Center in Cleveland, Ohio, stating that he was tasked by "a high level senior executive to reach out" to me and render assistance. He stated he was working to get a "postponement" of the sale of my home on Monday 5/17/2010. He said he had sent my RESPA request to the Chase Executive Office. Once more I was mildly optimistic that help was on the way.

Monday 5/10/2010 this VP again telephoned me,stating variously that he had gotten a "postponement of the sale" of my home and that the "foreclosure sale is on hold." I requested something in writing to verify the postponement as instructed by my attorney. He stated that Chase would not produce anything in writing. He then introduced an Advisor in his office who was on the speaker phone during the conversation. He apologized on behalf of Chase. This Advisor will be moving forward with me under the VP's supervision and direction.

The VP and Advisor stated that they need an updated set of documents to include 4 months bank statements, Social Security & VA award letters as they didn't find the ones previously sent more than once to be enough. We discussed the redundancy of the requests. The Advisor called back a second time during which we again discussed the "postponement of the sale" and how long it was for. He could not provide a definitive answer. He send overnight a a list of documents with a return overnight prepaid envelope. We again discussed the redundancy of his requests. He also stated again that Chase cannot generate a letter of postponement, adding the sale is now "on hold." [This is doublespeak as you will see further down.]

5/10/2010 I received an email from NACA (non-profit organization) stating the following" "Foreclosure is currently on hold. THE LENDER HAS AGREED TO REQUST THAT THE FORECLOSURE AUCTION BE POSTPONED." Something in the tone of the letter alarmed me and rightly so.

Beware: There is a big difference between "putting the sale on hold" and a "postponement of sale."

Immediately I went to the website www.fidelityasap.com to see the status of the sale, which indicated unequivocably that my home will be sold at auction on Monday 5/17/2010 at 12:30 at the Alameda County Courthouse on Fallon Street in Oakland. In other words nothing had changed -- other than Chase had found a new way to mislead me.

I then telephoned CALIFORNIA RECONVEYANCE COMPANY to inquire about the status of the foreclosure sale and was told very clearly that the foreclosure sale "HAS NOT BEEN POSTPONED" but that "THE SALE HAS BEEN PUT ON HOLD" awaiting further instructions from Chase. She informed me that there is a big difference between a "postponement of sale" and "putting the sale on hold." She further advised me that Chase could pull "the hold" as late as 12:29 p.m. on Monday 5/17/2010 and sell my house at auction one minute later. Chase has utterly deceived me.

Chase's "putting the sale on hold" is misleading is doublespeak of the highest order.

I then spoke with Representative Barbara Lee's Congressional Aide, Katherine Kwong, I related the above information to her and the Senior case manager, Elaine McWharter about my concerns. Katherine related during our call that she had spoken with the Chase legislative liaison who basically told her they were sad but Chase was closing out my file. Katherine knew nothing about the most recent developments. Represenatative Lee's senior case manager stated that Rep. Lee's office is "powerless to get the banks to do anything" which strikes me as a very sad state of affairs in this country.

My attorney advised me that this is a clear example of Chase's deceptive practices to waffle back and forth and make no commitments in writing and then sell the home out from under the homeowner with no further notice or right of due process. Unless something truly definitive takes place my attorney will file Chapter 7 bankruptcy on my behalf on as soon as possible in order to protect my home and my right to due process.

Yesterday the Chase Advisor left a phone message that the foreclosure sale had only been "put on hold."
There is something very wrong in America that allows JPMorgan Chase or any bank to run rough shod over American citizens -- they are a law unto themselves and must be stopped. The world needs to know all about this form of deception and evasiveness. It is evil!

Adding insult to injury the Chase Advisor when going over the document request stooped so low as to accuse me indirectly of forging my award letters for Survivor's Benefits from the Veterans Administration and the Social Security Administration. This is but one example of the demoralizing way in which Chase has dealt with me. I pointed out that all he had to do was go directly to my bank statements where he could verify the automatic deposits from the VA and SSA. Truly demoralizing! Utterly disrespectful!

To counteract any further issues perhaps suggesting I fabricated my husband's death in Vietnam, in the packet of documents landing on his desk today is a copy of my husband Eddie's death certificate -- then again I probably made that up to . . .

God help us all!

Site note: You can see more about Brenda Reed on her blog at http://www.musingsofasouthernwoman.blogspot.com/

Update:

As of today I am still standing -- still in my Oakland, California home -- still doing all that I can to be strong and move mountains. I am drawing my strength from my God, friends, family, and good people whom I don't know. I've received some amazing support and help from unexpected places. My fight to save my home goes on.

It is with great sadness and shame that I was forced to file Chapter 7 bankruptcy yesterday just as Chase posted a 30 day postponement of the foreclosure sale moving the date to June 17, 2010 at 12:30 PM in Oakland, California. T

Unexpected support came through R. Nolte of the Toledo Ohio chapter of the Vietnam Veterans of America, who contacted Sharon Kinlaw at the Fair Housing Council of the San Fernando Valley on my behalf. Ms. Kinlaw generously contacted someone "high level" in Chase, who then tasked Michael Courey, VP at the Chase Homeownership Center in Cleveland, Ohio to contact me to see what could be done; he then tasked Brendan Gealis, an Adviser in the same office to gather whatever was needed and serve as a point person until May 19th.

Chase's VP Courey and Adviser Grealis told me on Monday that the foreclosure sale had been "postponed" but in reality it had only been "put on hold." This continued through Thursday. Having a"hold" offers absolutely no legal protection and Chase could lift the "hold" and thereby sell my home without any further notice to me. The Chase "Adviser" requested add'll documents (many previously and repeatedly provided in the past) that in a spirit of cooperation I again provided. He actually stated that my VA and SS award letters looked as if I had typed them up myself -- a direct slap in my face and an attack on my integrity to say the least.

Wondering if he might accuse me of making up my husband's death in Vietnam and feeling absolutely trampled on, I made a point to include a copy of my husband's death certificate with my document submission. Yesterday he advised me that Chase has ordered a second appraisal of my property and that meanwhile the foreclosure sale remained "on hold." My attorney warned that he had seen Chase waffle back and forth like this before and proceed to sale. He advised me that we should immediately file Chapter 7 bankruptcy to preserve my legal options and stay the sale as Chase was not committing to a postponement.."

Due to a complete absence of a trust relationship between me and Chase, I feel that Chase forced my hand and that I had no choice but to file Chapter 7. I am praying that this will help me in my dealings with Chase to save my home. As fate would have it at about the same time, Chase posted a postponement of the foreclosure sale due to mutual agreement, delaying the sale until 12:30 PM on June 17, 2010. I now have 33 more days to enjoy my home and business as best I can. I am now in the bankruptcy court -- something I never ever imagined for myself. I am quite depressed as I have always done my best to meet my financial obligations .I have tried my best to live my life with dignity and responsibly.

Over 20 business days ago I filed my fifth "qualified written request" under RESPA with Chase. Once again Chase has not complied by acknowledging my request within 20 days. This is a direct violation of my federally protected consumer rights under RESPA and failed to acknowledge my 5th "qualified written request" for information about my loan as required within 20 days of such a request. So far the OCC (Office of the Comptroller of the Currency) and the HUD RESPA office have not been effective in getting them to turn over any documents or accounting of my mortgage as required b federal law.

Likewise neither Senator Diane Feinstein or Senator Barbara Boxer have responded to my requests for assistance in this regard. A Congressional Aide to Congresswoman Barbara Lee, stated she would look into my situation and call me back on Wednesday or Thursday of this week. She did not do so. This is yet another broken promise to call me back that has not materialized. Her legislative contact at Chase basically told her they were "closing out my file" which means they fully intend to take my home.She stated that Cong. Lee was virtually powerless to get the banks to do anything.

Our government officials are powerless or unwilling to go after Chase. There seems to be no enforcement of the federal consumer protection acts.

Meanwhile JPMorgan Chase is a law unto itself -- seizing the homes of good people all over this country with no remorse for their actions.

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#4 Chase Executives Cancel Meeting With Homeowners in Oakland, CA — BrendaR 2010-07-27 13:15

brendahreed@sbc global.net

Jamie Dimon at the JPMorgan Chase & Co. Annual Stockholders' Meeting in New York City allowed homeowner-in-foreclosure Jose Vega of Pittsburgh, CA to voice his concerns before this gathering. Dimon publicly promised a sit-down face-to-face meeting with senior Chase executives and Mr. Vega and other faith-based community leaders.

After months of delays Chase scheduled the meeting for Wednesday, July 28th 2010 at the Chase Homeownership Center at 5050 Broadway in Oakland,Califor nia. Upon learning that the media would be available at the close of the meeting, the head of Corporate Relations for Chase in California angrily telephoned Vega and canceled the meeting.

This exec accused Vega of a publicity stunt. Vega inquired: "What is Chase afraid of?" The exec gave no answer but was clearly very angry.

Homeowners and community leaders plan to gather at 11 A.M. Wednesday 7/28/2010 outside Chase at 51st & Broadway in Oakland. They don't fear facing Chase but clearly Chase fears them.

http://abclocal.go.com/kgo/video?id=7576064

Quote

+1 #3 Brenda R, Oakland, CA — Brenda Reed, Oakland 2010-05-19 09:34

Yesterday a good man named Jose Vega of Pittsburg, California stood up to Jamie Dimon at the JPMorgan Chase annual stockholder's meeting. To hear his story go to www.ccisco.org

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#2 Brenda Reed, Oakland, California — BrendaR 2010-05-12 15:55

When my home was destroyed in the Oakland Firestorm, Home Savings of America held the mortgage and thus my insurance proceeds for reconstruction were held by HSL in an insurance trust account. The bank gave all the funds to the contractor who committed fraud. I had to sue the contractor, his subs, his 2 unadmitted insurance carriers, and the bank. The insurance cases were in federal court. I prevailed in all the suits, however Judge Vaughan Walker did not award me attorneys fees which were in the hundreds of thousands of dollars as the case went up on appeal and required years of litigation. This ate up my personal property proceeds and my savings. I then had to pour a ton of money into the house to finish it, correcting countless construction errors of great magnitude. I got my house and love it, despite all my challenges. I now operate a B&B out of my property. If Chase forecloses, I lose my home and half my livelihood. Meanwhile the dance goes on.

May I find just the right pebble to put in my slingshot just as David had when going up against Goliath.

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#1 Brenda Reed, Oakland, California — Brenda Reed, Oakland 2010-05-12 15:39

Actually the insurance money went into a trust account with Home Savings of America in an insurance trust account that the bank controlled. They released the funds to the contractor. I had to sue the builder, his 2 unadmitted insurance carriers, and the bank. My own insuror, Safeco, was very good and very professional. Unfortunately the 2 insurors were sued in federal court and no attorneys fees were awarded.

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