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AAA will close an complain? Ouch in GA


AnAmericanMom
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The complaint as brief as possible includes  Breach of Contract, Mortgage Fraud, Tila, RESPA, FDCPA, 

All of the parties mentioned below in addition to the law firm for moving forward with a non-judicial foreclosure without a valid Waiver of Borrowers rights and FDCPA violations.

 

I stopped a non-judicial  foreclosure back in August. The next few months have been spent with documents flying back and forth. 

This  is the most frustrating situation I have ever experienced. All the while being the most important one to be fighting.

Finally in mid October I  elected federal arbitration via AAA I asked that they initiate.  They replied they needed time  and would have a response by Dec. 2, then Dec 6.

Here is my fear. 

I had found this re-reading everything I could about AAA.  

---(vi) Abeyance Fee Parties on cases held as inactive for one year will be assessed an annual abeyance fee of $300. If a party refuses to pay the assessed fee, the opposing party or parties may pay the entire fee on behalf of all parties, otherwise the matter will be administratively closed. All filing requirements, including payment of filing fees, must be met before a matter may be placed in abeyance---

I guess the main question is does anyone know who's attention to get to try and settle with HSBC? Because it looks like if I complain and they ignore that 's  it, the complaint is closed?  Why isn't it a default?

Anyone who has dealt with HSBC, HFC, Beneficial, add in Caliber also. you are basically ignored. Caliber states they do not know why they sent me a  purchased loan notice., I should ask their servicer.  The notice included a statement and instructions for where to send payments and claimed Caliber was the servicer. A second subsequent claim notice from Caliber now had Beneficial as the Servicer, effective July 1, 2016 

All the while Beneficial acting on behalf of Beneficial intended a sale  August 2, 2016  via an alleged deed transfer and assignment to Beneficial from Beneficial of GA

HFC then HSBC were the original note , deed and servicers. HSBC claimed they assumed the loan from HFC. The deed was recorded  Beneficial of GA in 2007 In 2009 Transferred and assigned to HFC. Also an Allonge to Countrywide in 2007 was signed at closing . 

Honestly that was brief so much went on from the origins to the present. But they ignore facts.  I have had three battles and claims against them. The last just finished in November 2015 NDA  a short while after a CFPB ended a complaint filed in 2012. They don't care, they don't have to.

They have nothing to gain. No valid deed,  they used a robo- signed affidavit for a lost note. All robo-signed. The affidant, witness and notary.  The note was an alleged copy of the original had erasure marks where  the signature goes  and scribbling that looked like someone tried to redo our signatures marking  like loops on a signature below and above don't align nor correspond with our alleged signatures.

Please note:

I did speak to two lawyers when I got the non-judicial notice of sale. In late June all I got was loan mod, bankruptcy and too complicated, too much involved.  So alone and terrified I did prevail because no-one at HFC has a clue how not to break every law statute and right a homeowner has.

From my call for an application for a home loan in 2007  lies and deceit to the present lies and deceit. 

 

Mom

 


 

 

 

 

 

 

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