The Waiting Game

I just received an update from my real estate agent. There are actually four offers on “our” house – our offer being one of them, and we probably won’t hear anything back for a couple more days. Lets just say my patience is being tested to the limit with this bank. 🙁

The most frustrating part is that we tried buying this house two months ago. We were in the middle of negotiations when the bank suddenly pulled the house of the market. Is that even legal? Banks are doing some weird things, and there’s no one standing up to make them comply with any laws.

I also recently found out that the bank who will soon own my current house is getting in big trouble for doing the same thing to other people that they did to my family. They were pretending to work with people, and then coming up with some crazy excuse to just take their house away. I felt bad for all these banks at one point but no longer. My agent told me that the banks get 80% of their loss back from the government, and then, of course, they still get to sell the house. I don’t know how that works, but I know my bank is pulling a major scam if that’s true. They’ve tacked on so many fees that they are “losing” something like 140K on my house, except that’s not even close to what I actually owe on my house. Someone needs to take a stand against these people. I will not be surprised to see class action lawsuits against banks in the future.

In frustration,

Sheri

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8 replies
  1. Amy
    Amy says:

    I have always been appalled at what banks can get away with…..after more than one using my money (that i trust them with) against me in one shady way after another, i quit banks and put my money in a credit union. i have also gotten my auto loan through my credit union and have been happy ever since. i was able to join navy federal credit union because my father was in the navy, but there are many others. some only require you be a resident of the city where they are located.

    Reply
  2. Chris
    Chris says:

    The cleansing that we have all suffered – or those people who have lost possessions or even their homes (and what can be worse than losing your home?) – is coming to this earth. I know this sounds apocalyptic and sensational but there is a cleansing to be completed as the way that we live our lives (globally I mean here) is unbalanced. In society, we are far too removed from our roots.

    I have just lived for two years in India among people who have nothing other than the daily wage that they earn. Grinding poverty? Yes, by our measurements, but No as through detachment from possessions the people that I was with were actually free. I experienced great happiness, joy and love from people who had nothing and who we pity!

    I have stopped doing that as it is my lesson to learn. However, having said that, these people are also being pressured to adopt materialism and despite my best efforts to convince them that westerners are largely not happy people, they still think that advancement is through consuming more.

    Nature has a habit of correcting imbalances so does the Universe. Everything has to be in balance as we have to be personally, either emotionally or spiritually otherwise we are unhappy. Its simple really, I wish I had known this years before it would have made my life easier to live!

    Back to the point. We are in financial imbalance globally because of the greed of a few people in the banking world and we are really talking only about a few, probably no more than 100 to 150 people.

    Remember Enron and Arthur Andersen, the great accounting firm? One man in the Houston office of AA brought the whole edifice down and that wiped out many of my ex colleagues who had worked there for all their lives. All it took was one man.

    And so it is, so it shall be.

    In love and light
    Chris

    Reply
  3. Rev.Sheri
    Rev.Sheri says:

    Lisa, I’m so sorry that you lost your house, too. We have about six months to buy our house back, but with all the fees they’ve added on, it’s really not possible. It’s a shame the banks are getting away with this so easily. There’s such a huge mess to clean up.

    Chris, I really hope it doesn’t come to that, but everything you’ve said is true. Too many people are looking the other way when something needs to be done.

    From a spiritual perspective, yes, it is important to visualize the best possible outcomes, especially when faced with such dire possibilities. I hear over and over again that we shouldn’t focus on such a negative possibility, but ignoring it doesn’t make it go away. It’s like someone who wants a new job, but they haven’t applied for anything. Or, the woman who wants to find her soul mate, but she never leaves the house. Yes, Heaven does look out for us and our guardian angels and guides are there for us, helping us to find possibilities and make the right decisions, but they don’t live our lives for us. Heaven is big on free will. If we are willing to do nothing but watch in horror, of course it’s going to happen.

    I’m not sure how much us little people can do in this situation, except for maybe writing to our politicians. Like Lisa said, even lawyers don’t have our backs. I have a friend who was given two months notice to get out of her house. The house went to auction and everything, and they weren’t given any notice. I believe she found out because she found her house listed online. I know that sounds crazy, but it’s not even the worst story I’ve heard. Lots of families have it worse that my own family does. Even though my situation is extremely frustrating, I thank God every day that we will have a home to go to, even if we still have no idea where that home will be yet.

    Thank you both for your comments. To all those experiencing their own struggles, hang in there, but do take action. We can’t just sit wide-eyed and frozen; we have to move forward to make things better for ourselves, our families and our world.

    Reply
  4. Chris
    Chris says:

    And here we have Goldman Sachs being accused of complicity in a billion dollar fraud which is a criminal offense but the SEC has only brought a civil action!

    I am totally convinced that we are facing a global financial meltdown and it will be with us within 12 months to 2 years. The cracks are already appearing through sovereign debt build up with the US (and my own country the UK) leading the way.

    The comments about the ‘insurance’ on any foreclosed debt are absolutely correct so the banks have nothing to lose but the country has as it all adds to the national debt and that has to be funded by external creditors (like the Chinese etc).

    Soon a major country will default and with that event, the rest will come crashing down like a house of cards. The IMF has just issued such a warning today. Its coming.

    Reply
  5. Lisa
    Lisa says:

    Sheri,

    The banks do not follow law and if you do not have a good lawyer to stand up to them they do whatever. I have been thru it and the bank messed up badly but since I could not get a lawyer (they all said sorry conflict of interest we do work for them) , I lost my house. The judge apologised to me after the proceeding and I tild him I knew not his fault that I could not find representation and that he had to go by what was presented to him.

    I think there will be many class action suits in the future. You see when they hold the mortgage they also buy an insurance policy in case the loan goes sour, so they get to collect on that insurance policy, too. Not many people know that if there house is foreclosed upon they can still (in most states) get it back within one year if they can pay off the loan.

    The banks would rather let a house sit vacant and crumble than let it be occupied with a lesser payment because then they can write off the loss. It’s a racket. Go to a credit union and/or even get a prepaid credit card that you put cash on, so no real bank involved.

    The bubble has not come close to bursting yet. But it will, and it is not going to be pretty. Now they want to tax the banks for the money they gave them ……guess who will pick up the costs of that tax, if the idiots in DC pass it! More and more people are going to cash only because of the costs of using a bank. They are slitting their own throats and too stupid and greedy to see it.

    Hang in there because no matter how long it takes, the truth prevails!

    Reply
  6. Rev.Sheri
    Rev.Sheri says:

    I’ve actually thought about transferring my checking and savings over to a credit union. There’s a really good university credit union nearby, but I’m not sure what you have to do to join. I once thought you had to attend the school they represent, but I think I might be wrong about that. Thanks for the suggestion. 🙂

    Reply
  7. kc
    kc says:

    I have always been appalled at what banks can get away with…..after more than one using my money (that i trust them with) against me in one shady way after another, i quit banks and put my money in a credit union. i have also gotten my auto loan through my credit union and have been happy ever since. i was able to join navy federal credit union because my father was in the navy, but there are many others. some only require you be a resident of the city where they are located.

    Reply

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