You've Got The Wrong House! - Spokane, North Idaho News & Weather KHQ.com

You've Got The Wrong House! Random, Wrongful Foreclosures By Banks Are Another Result Of Robo-Signing Scandal

HUFFINGTONPOST.COM - Christopher Marconi was in the shower when he heard a loud banging on his door. By the time he grabbed a towel and hustled to his front step, a U.S. marshal's sedan was peeling out of his driveway. Nailed to Marconi's front door was a foreclosure summons from Wells Fargo, naming him as a defendant. But the notice was for a house Marconi had never seen – on a mortgage he never had.

Tom Williams was in his kitchen thumbing through the mail when he opened a letter from GMAC. It informed him that the bank would confiscate his house unless he immediately paid off his mortgage balance of $276,000. But Williams had never missed a mortgage payment. And his loan wasn't due to mature until 2032.

Warren Nyerges opened his front door in Naples, Fla., to find a scraggly-haired summons server standing on his stoop. He plopped a foreclosure notice from Bank of America in Nyerges' hands. But Nyerges had paid for his house in cash. And he'd never had a checking account, much less a mortgage, with Bank of America.

By now, you may have heard the stories of bank robo-signers powering through hundreds of foreclosure affidavits a day without verifying a single fact. But most of those involved homeowners who had stopped paying their mortgage. They were genuine defaulters. Now a new species of homeowner is getting pushed into foreclosure hell.

People have always loved to complain about their banks. The push-button circus that passes for customer service. The larding on of fees. But the false foreclosure cases are hardly the usual complaints. These homeowners paid their mortgages – or loan modifications – on time. Some even paid off their loans. Worse, those on the receiving end of a bad foreclosure claim tell similar stories of getting bounced from one bank official to the next with no resolution while the foreclosure process continues apace.

Many have to resort to paying a lawyer, even after presenting documentation. They say they have to sue not only to stop the wrongful foreclosure but also to attempt to win back their costs.

There are no official statistics for these homeowners, but lawyers, real estate agents and consumer advocates say their ranks are growing. In November, during foreclosure hearings on Capitol Hill, senator after senator scolded the banks about wrongful foreclosures. They said their offices were deluged with complaints from people who had done everything right but were being treated by banks as if they had done everything wrong. And the Florida attorney general's office is also investigating the issue as part of its foreclosure probe.

"This is the worst I've ever seen it," says Ira Rheingold, an attorney and executive director of the National Association of Consumer Advocates. Diane Thompson, a lawyer with the National Consumer Law Center, has defended hundreds of foreclosure cases. "In virtually every case, I believe the homeowner was not in default when you looked at the surrounding facts. It is a widespread problem throughout the country."

Homeowners in Florida, Nevada, Texas and Pennsylvania have filed lawsuits alleging that they were victims of mistaken foreclosure. In many of those cases, the bank went so far as to haul away belongings and change the locks on the wrong homes.

  • Most Popular StoriesMost Popular StoriesMore>>

  • Coeur d'Alene Police investigating school shooting threat made on Snapchat

    Coeur d'Alene Police investigating school shooting threat made on Snapchat

    Friday, October 19 2018 1:04 AM EDT2018-10-19 05:04:39 GMT

    COEUR D'ALENE, Idaho - Coeur d'Alene Police are investigating a reported school shooting threat at Coeur d'Alene High School. A spokesperson for the district said that the threat was written on a napkin and shared  on Snapchat. It says: "CHS school shooting 10-19-18. Be ready." Police tell us that while they are still investigating whether the threat is credible, they do not believe the CHS that the note mentions is referring to Coeur d'Alene High School.

    >>

    COEUR D'ALENE, Idaho - Coeur d'Alene Police are investigating a reported school shooting threat at Coeur d'Alene High School. A spokesperson for the district said that the threat was written on a napkin and shared  on Snapchat. It says: "CHS school shooting 10-19-18. Be ready." Police tell us that while they are still investigating whether the threat is credible, they do not believe the CHS that the note mentions is referring to Coeur d'Alene High School.

    >>
  • Explosive device that caused CdA evacuations rendered safe

    Explosive device that caused CdA evacuations rendered safe

    Friday, October 19 2018 6:51 PM EDT2018-10-19 22:51:23 GMT

    Ramsey Elementary and Coeur d' Alene Police station have been evacuated after an explosive device was brought to the station for disposal. Police have called in a bomb squad to dispose of the device and evacuated the buildings as a precaution. Coeur d' Alene School District released the following statement regarding the situation: 

    >>

    Ramsey Elementary and Coeur d' Alene Police station have been evacuated after an explosive device was brought to the station for disposal. Police have called in a bomb squad to dispose of the device and evacuated the buildings as a precaution. Coeur d' Alene School District released the following statement regarding the situation: 

    >>
  • K9 Laslo passes away

    K9 Laslo passes away

    Friday, October 19 2018 10:50 PM EDT2018-10-20 02:50:33 GMT

    SPOKANE, Wash. - After struggling with medical issues recently, retired Spokane County Sheriff's Office K9 Laslo passed away early Friday morning.  "It is with the most heavy heart that I tell you K9 Laslo passed away this morning at 0115hrs," a post on Laslo's Facebook page said Friday morning. "There will be a piece of my heart always missing. To the best partner I ever had, R.I.P." 

    >>

    SPOKANE, Wash. - After struggling with medical issues recently, retired Spokane County Sheriff's Office K9 Laslo passed away early Friday morning.  "It is with the most heavy heart that I tell you K9 Laslo passed away this morning at 0115hrs," a post on Laslo's Facebook page said Friday morning. "There will be a piece of my heart always missing. To the best partner I ever had, R.I.P." 

    >>
HD DOPPLER 6i
/