https://www.youtube.com/watch?v=vgqG3ITMv1Q
Christmas 2015. If you want to go to the movies, and don't have a quarter, write me. You're my guest.
It must be seen to be believed.
https://www.youtube.com/watch?v=vgqG3ITMv1Q Christmas 2015. If you want to go to the movies, and don't have a quarter, write me. You're my guest.
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You may now be, or you may have been in the past, a happy, responsible, productive minion of PHH or one of it's many subsidiary shell corporations. You may have spent all your waking hours tuning and restructuring mortgages and such, talking with and assisting (no more than 6 minutes of course, and what's all this dead air time, Suzy?) clients all over America, from 0800EST to LongPastDark in Hawaii. You may never have walked the sands of Waikiki, or even stalked the Grisly Bears in their Alaskan dens with Bear Grylls. You have generated millions of dollars for PHH, and they need many more. You don't have time for fripperies. Possibly you lie awake at night, or talk in your sleep, pondering Investor Guidelines, or the Approved Customer Guidance Process Flow, or trying to figure out how you could multitask something tomorrow to fill those 42 seconds of dead air time and generate a productive fee of some sort. All the good fee names are taken, but maybe you could invent an Assisted Transposition Fee for $34.85, or an Authorized Data Reconciliation and Analysis for $20...who could complain? They're just Renters with Benefits, and really, not many of those.
Maybe they'll fire you today. Maybe they already have. They own the EEOC. The CEFA regulator's biggest concern is who stole the last donut? The FBI doesn't chase people with machine guns anymore. All the lawyers are in cahoots. Your landlord has 34 paying occupants, happy minions like you used to be, and he's become a real bother. It seems like his whole life is structured around money, and how much you have, and how desperately he needs you to hand it over. Even the Student Loan person in her office in Wyoming is sending out spies in your neighborhood to see if you're putting gasoline in your car or sending your money to the office in Wyoming. It would seem that PHH is running a far-flung predatory financial organization, and you're not part of it any more. You're just foam on the runway, just a lump of mud between Little Timmy Geithner's toes. You're fighting Sun Tzu's famous last battle, the DeathByaThousnadPinpricks. Who's blood is on the floor? Is that yours? I'm truly sorry for your loss. I've been there. I'm a recovering client of PHH. I eat pins, and sh*t them out. Every day, I wake up, watch the sunrise, and instead of wondering 'What are those crazy people going to do today to make my life a little more miserable than it was yesterday?'...I say to myself 'What can I do today to make those bloodsuckers a little more miserable today than they were yesterday? Can I write? Can I e-mail? Can I talk on the phone? Can I plead with a judge? Can i accompany the federal marshal and go serve a warrant? Is there some data I can analyze? Can I depose someone else like me?' If there's something I can do TODAY, I do it. Tomorrow isn't here yet. Then I go take a walk on the beach, squish the sand between my toes, try to figure out how my Lytro camera works, play with the dogs... Join me. ...let's all pile on!
http://topclassactions.com/lawsuit-settlements/lawsuit-news/153210-hsbc-and-phh-hit-with-class-action-lawsuit-over-unnecessary-mortgage-fees/ http://www.housingwire.com/articles/34968-exec-at-center-of-first-tarp-bank-failure-gets-8-years-in-prison
Finally, the federal mortgage fraud task force gets their man! With a rap sheet longer than Michael Brown, seven counts of various conspiracies involving the disappearance of $1.1BN, and losses to FDIC of $677,000 Ebrahim Shahudin is moving to the Graybar Hotel. Eby appears to be the first person we've caught for the widespread looting of America by the Wall Street Boys. To make matters even worse, Eby will return $347,000 of his ill-gotten gains. Hey, Eby, can you send me a new license plate down to Texas? Do you take PayPal? People of Earth – Law enforcement is not abandoning you to the depredations of your financial institutions. FIRREA of 1987 assigned enforcement of all these actions, both criminal and civil to the USAG. Our USAG has been busy,busy,busy, with his/her Mortgage Fraud Task Force devising, enforcing, and monitoring consent judgments resolving all this corruption and decay. Eric Holder’s big achievement has been the recovery of some $80BN+ in fines and restitution from these vampire squids. OTOH, Eric Holder’s big achievement has been selling protection from prosecution to these institutions for a ridiculously cheap amount of some $80BN+. No one has yet appeared before a jury or gone to the Graybar Hotel. I am helping Loretta at the moment down in New Orleans 5USCA #14-51224. I expect we’ll have a new USAG soon, and we may make some meaningful progress. These things take time.
Meanwhile, in the monitoring reports by Joseph A Smith, we have new judicial theory and practice. Some of these multinational financial syndicates service more than 10,000 mortgages/month. Some service millions. In lieu of the $1M fine per error that they have consented to, and in view of the vast sums involved, we have devised a threshold error value, below which no penalties will be assessed or paid. For instance, if you service 100,000 mortgages (with your eight employees), you are allowed .05% errors, which may be forgiven. 100,000*0.005 = 50 mortgages. It is allowable to accidentally foreclose 49 houses, before being exposed to fines or incarceration, which seems only fair. This philosophy has not yet made it to the national bar exams, but we should see some questions next year or so. To simplify, if you were to arrest 100,000 black kids (about a day’s work in America), you might accidentally shoot and kill 49 of them, at that threshold error rate. 99-1/2% of #blacklivesmatter, but 1/2% doesn’t matter that much. Or if you’re a neurosurgeon, and you practice on 100,000 patients in your lifetime (or if Medicare patients, about two weeks)…the first 49 deaths are free. But, you should be pretty careful after that. :) |
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