Sippin’ on gin and juice, laid back with my mind on my money and my money on my mind

Part of me says “Why can’t you be a kinder gentler Wine Dog?”  The other part says RAGE ON!

Just in case you missed my rage on Chase.  Read this for background.

OK, now that you’re up to date, it’s time for a follow up post.  I’m sure there will be more on this one.  On October 4th, I sent a HAFA package to Chase.  On FEBRUARY 7th I received the following email:

Good morning,

I’m the negotiator for this file and the investor is countering this offer to 120K.  If you all accept this counter offer, I will need a signed addendum by all parties no later than Wednesday.  If I do not here from you or receive the addendum then the file will be close and foreclosure will begin.

All deals are contingent upon investor and/or Lender’s approval.
“We are a debt collector.”
Please allow 48-72 hrs for all emails to be answered.  Multiple emails may go unanswered.

OK, it took them five months to respond and the response says that I have 48 hours to respond or the file goes to foreclosure and oh, by the way, I won’t respond to your email for 48-72 hours.  WTF?

So our hero writes back the evil bank:

The buyer cancelled his offer last week.  The property is going back on the market.

I don’t understand why it’s taken Chase five months to respond and now I have two days and this goes to foreclosure.  Please explain.

Thank you

Her response:

This file was just assigned to me.  It has other departments to go through before it even gets to a negotiator.  It’s not assigned to a negotiator as soon as the shortsale packet is submitted.

All deals are contingent upon investor and/or Lender’s approval.
“We are a debt collector.”
Please allow 48-72 hrs for all emails to be answered.  Multiple emails may go unanswered.

Bullshit, you clowns uploaded the wrong template.  Did you think I forgot?  And then you took two months and a phone call to your executive offices to correct it, but I respond anyway:

I was going to market it to get another buyer, this is a HAFA package.  Why is it going to foreclosure so quickly?

This property has been on the market for 75 days and I’ve received the offer you have and another one at $100k with 3% CC which my seller did not accept because we felt it was too low.  After the first one fell out we came back to the second one but they’ve moved on. I’ll adjust the price to $120k but this property is across from the BART tracks and it is discouraging most buyers.  We have not been able to get an offer at $135k, $125, or $115k in 75 days.

Should I mention that I’m now pissed?  Because you can imagine how pissed I am at this point.  She writes back:

Per the BPO this property is vacant.  That would not make it eligible for HAFA.

All deals are contingent upon investor and/or Lender’s approval.
“We are a debt collector.”
Please allow 48-72 hrs for all emails to be answered.  Multiple emails may go unanswered.

Except one thing.  If I had been current on all my emails from the board and CAR I would have known that on February 1st the law changed and the property can be vacant and the borrow can move out.  In my case she moved out about a month ago, but she was there when the guy did the BPO.  She was cleaning the house when the guy showed up.  I called her.  That’s what she said.  So I write back:

That’s interesting.  There was somebody there the last time I as at the property.  I will check that out but could you answer all of my concerns please.

This is what the little bitch wrote back:

What are your other concerns, your last email just states that it is across from the BART tracks.

All deals are contingent upon investor and/or Lender’s approval.
“We are a debt collector.”
Please allow 48-72 hrs for all emails to be answered.  Multiple emails may go unanswered.

Red.  Flag.  Bull.  Toro.

Why is the foreclosure going so quickly when it took Chase over 5 months to get me a negotiator?  It’s been two months since I got that offer.  The guy took off last week after waiting two months.    Then you give me 48 hours to get a response (and your email says you may not respond for 48-72 hours) or you close the file and it goes to foreclosure.  I’d like to put it back out there and try and find another offer, but if the file is closed then I have to go through another five months of inaction from Chase???

I only got this far in five months because I called the Executive offices last month, yet every time I hear back from you guys I have 48 hours to respond, yet it takes you MONTHS to respond.   That’s a concern.

You say it’s going to foreclosure in two days.  That’s a concern.

You say it’s vacant and it’s not.  Do you have photos?  I don’t think it’s vacant.  I will check later today, but I think the BPO is wrong.  That’s a concern.

You want $120k and I’ve had it on the market for 75 days and haven’t been able to get it.  I told you why the pricing was a problem.  That’s a concern.

Those are all concerns.  Can you address them please?

And here is the money post:

1.   I have nothing to do with why you were contacted in 5 months.  I can only address what is going on with the file when it was assigned to me.
2.   If the file is countered then you have 48-72 hours to respond to accept of decline.
3.   There is no offer on the property so it doesn’t matter about the counter offer anymore
4.   Once a file is deny foreclosure is always resumed, not meaning it’s going to sale in 2 days.
5.   If this property is HAFA eligible you have a short time period to submit a valid offer which I believe is no more than 120 days.
We can go back an forth about the file all day.  Bottom line is I will not be working the file until there is an offer.

All deals are contingent upon investor and/or Lender’s approval.
“We are a debt collector.”
Please allow 48-72 hrs for all emails to be answered.  Multiple emails may go unanswered.

I didn’t respond to this post.  I boiled over for a while, because the seller is a friend of mine.  I am outraged by the way that this stupid little bitch that they call a Short Sale Negotiator III is treating my seller.  My seller owned that home since 1993.  She’s retired now because she can’t get a job.  She burned up her retirement trying to save that house.  And this is how Chase treats her.  I closed my accounts with them last week.  This is one of the reasons.  I’m a rat’s ass hair away from burying all my money in a coffee can in the back yard. But I can’t stop being outraged at the fact that Chase cares so little about their customers that they didn’t bother to hire or train who they hired to behave in an intelligent compassionate manner.

I finally got some satisfaction on this file.  I went to facebook and inputted the little bitches name.  This is why you have to manage your content on the web.  This is who is making a decision for a great grandmother out in California who has lost everything.  Chase, you are an embarassment.

She looks like a refuge from GirlOhNoYouDidnt.com

4 comments for “Sippin’ on gin and juice, laid back with my mind on my money and my money on my mind

  1. OldTitleGuy
    February 12, 2011 at 7:10 am

    LOL is an internet abbreviation that has been beaten to death. Never really means that it actually happened. Except this time.

  2. The Brother
    February 12, 2011 at 8:59 am

    Oh, my, I was chalking this up as just another rant until I got to the end. Now I have to wipe the coffee off my screen.

  3. February 12, 2011 at 11:26 am

    It’s not a joke. It’s really her. She has a, well, distinctive name.

  4. February 12, 2011 at 5:39 pm

    oh holy hell, you so did not post that shit. you fucking crack me up.

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