My story is the same as many americans my husband was in the car industy has lost his job.I have been dealing with my bank on a modification I think you need to know the banks are not disclosing that this will effect your credit. I was making my payments on time then they reduced the ammount I had to send but not telling me it is not considered a mortgae payment it goes into some fund. I have been dealing with them since Jan 09. I call and get transfereed all over the place sometimes I am talking to other countries. No one ever gives me a phone number to call back no one helps me. I am still waiting for a letter from the bank confirming my new payments. I cal lto ask where the letter is I get no one to help. What they have done is put this on my credit report. What am I to do? I have emailed you several times and the President I know you get so many emails it is the middle class who are suffering. I have always always paid my bills it is very degrating that I have to ask for help.

PLEASE PLEASE AT LEAST GIVE ME THE COURTESY OF A RESPONSE.

My name is Joe Evans and I am the father of Tobin Evans.
This letter is in reference to the sub prim lending, predatory lending and illegal foreclosure of my sons home and property. Please review his dilemma and comment on his options . Toby has no savings, lost all of his equity and has been rejected by attorneys who don’t take contingent cases or who don’t want to take on the “big dogs”.

Briefly, in 1989 Toby purchased a home on three lots. In 2000 Ocwen failed to pay property taxes from Toby’s impound account. In 2004 Toby was notified the taxes were delinquent four years. In 2005 Toby refinanced to bring the taxes current and stop a tax lien sale. In the process of transferring the note the banks failed to credit several payments causing defaults. In the past three years there have been 12 banks and /or mortgage servicing companies and 16 title companies involved in the transfers of this property. Such as Ocwen, Advanta, Recon Trust, Greenich, Sierra National, Old Republic, Amresco, Citicorp, Aegis, Mers, Countrywide and Bank of New York. In August 2006, the property was wrongfully transferred to Siera National without notifying Toby of an account number. His August, September, and October payments were returned causing default and subsequent unlawful detainer court case. In June of 2007, another transfer to CWABS Bank of New York who claimed 100% ownership and began foreclosure proceedings.

September 10, 2007, Richard Andrews, an attorney, said he would represent Toby pro bono and he believed that the case had merit indicating possible charges. The allegations are: (but not limited to) 1. Predatory lending, 2. Violation of RESPA #6 and #10, 3. Breach of contract
4. Misuse of many state laws, 5. Giving false information to the court. Toby thought Mr. Andrews was in control, however, he failed to make court communications. On December 10, 2007 he said he had terminal cancer and could no longer represent Toby, leaving him without legal advice.

During that period of time there was also a National Disaster from October 22, to November 1, 2007. Due to the Grass Valley Fire in San Bernardino, California, Toby’s community was evacuated. The Post Office closure stopped all mail service including notices of court hearings.
The court case # UDSS702508 in Central District Civil Division, San Bernardino County, California for the Summary Judgment was not received in a timely manner due to community evacuation. The Bank of New York is now 100% sole owner of the house not just the note holder. Toby and his family were locked out of the house with all their belongings inside on November 30, 2007, four days before the court date to reschedule the Summary Judgment on December 4, 2007. Toby has a paper trail showing dollar amounts, interest rates, note turnovers and charges since 1989.

Tobin Joe Evans, Plaintiff
Mailing address: P. O. Box 555, Twin Peaks, CA 92391
E mail : jayleenc4@hotmail.com Phone: 909-338-5930
Property address: 22853 Alder Lane, Valley of Enchantment, Crestline, California 92325

Legal description: Lot 1, Block 1, Book 24, Page 30, and 31. Map of Valley of Enchantment Park Annex, Rim of the World, California, County of San Bernardino.
Lot 1: 0304204010000, Lot 2: 03042020000, Lot 3: 0304204030000.

Joe M. Evans, Father, Retired Phone: 520-399-2005
1600 W. Camino Urbano, Green Valley, AZ, 85614 E mail : jojonjudy@cox.net