Report: #42561

Complaint Review: Housebank Collections Foreclosure

HOUSEHOLD BANK Collections foreclosure violates fair collection practice predatory lending total lack of knowledge of homestead act of 1983 or notice 91 ripoff Philadelphia, Carol Stream, Prospect Heights

Reported By:

— Bala Cynwyd Pennsylvania
Submitted:

Thu, January 23, 2003
Updated:

Wed, January 29, 2003

Housebank Collections, Foreclosure

Http://www.householdfinance.com

Philadelphia

U.S.A.
Phone:
Category:

Banks

*Consumer Suggestion: helpful info *Consumer Suggestion: helpful info *Consumer Suggestion: helpful info *Consumer Suggestion: helpful info

Mortgage delinquent due to work week cut from 5 days to 3 which was a dramatic drop in salary. Financial status and my intentions are to file for Homeowners Mortgage Assistance which if you ask anyone at Household in collections/foreclosure they haven't a clue.

I advised that in order to file I need a notice 91 or better know as the Homestead Act of 1983 which any lender should be familiar with. I've had to explain more times that I care to remember exactly what this is and have been told that this form does not come from Household.

For all the uniformed consumers out here it is a notice sent by any financial institution, mortgage co or any institution that holds a security interest in your property that advises you when you are in default or delinquent that you are in danger of losing your home. It also lists agencys where you can get help.

When I've asked questions about the steps and or process for a delinquent mortgage you would think I was asking for the combination to set off nuclear missles. I've never seen a financial institution handle collections like this one and since my occupation happens to be in the collection field I'm fortunate enough to know some of the basics.

Nothing wrong with saying I'm sorry I don't have that answer but let me find someone who does. And let me add the supervisors and managers don't know either because I keep getting the same answer even today. Who in this company knows when my act 91 will be mailed to me. CCCS of Delaware valley has advised that probably after the 3rd missed pmt this would be mailed.

Also advised by them that if household could tell me when I could look for this since I will only have 30 days from the time its mailed, not when I receive it to file for the emergency funds.

This company is putting me in danger of not being eligible for these funds due to thier lack of knowledge.Also told today that this couseling agency is not my friend and also my options are limited now that

I'm in foreclosure. What a crock.What happened to notification in writing as I progressed thru the collection process. The only correspondance I received are standard collection ltrs and the last was a demand letter, pretty standard but not the act 91 I'm looking for.

How I went from pre-forclosure on 1/20/03 to foreclosure on 1/22/03 as I was informed today is amazing. Yet the person on the 20th couldn't tell me when I would go to foreclosure.

Beware consumers especially the uninformed ones contact a non profit consumer credit agency if you are unsure of your rights and responsibilities in regards to a delinquent mortgage. Take nothing Household tells you as written in stone because you will get nothing more than half-truths.

Last week I took the time to look up the CEO of this company and wrote a letter explaining in detail my experience and sent this certified/return receipt on the 14th and still haven't received any response nor notification the letter was received.

Beleive me if I had know prior to refinancing a loan with Household that they were involved with predatory lending practices which is detailed on their website I never would have considered them in the first place.

This is just a small part of what I experienced with this company I don't have enough room for the whole story. It would be 10 chapters long.

Mary
Bala Cynwyd, Pennsylvania
U.S.A.

4 Updates & Rebuttals

The Great Thorn

Bayville,
New York,
U.S.A.

helpful info

#5Consumer Suggestion

Fri, January 24, 2003

Mary I am not a person who can give you the best advice on how to handle your situation, But I can give you some helpful info that might get you some people in your state to look at what this lender is doing to you.

If I were you mary I would send by fax a copy of your Rip Off Report to

The Pennsylvania Department of Banking

333 Market St.

16th Floor

Harrisburg, PA 17101-2290

717-787-6991

Toll free in PA: 1-800-PA-BANKS

TDD toll free: 1-800-679-5070

Fax: 717-787-8773

Web site: www.banking.state.pa.us

Also fax a copy of your Rip Off Report to the below office that is close to you.

Pennsylvania

State Offices

Frank Donaghue, Director

Bureau of Consumer Protection

Office of Attorney General

14th Floor, Strawberry Square

Harrisburg, PA 17120

717-787-9707

Toll free in PA: 1-800-441-2555

Fax: 717-787-1190

Web site: www.attorneygeneral.gov

Regional Offices

Michael Butler, Deputy Attorney General

Bureau of Consumer Protection

Allentown Regional Office

Office of Attorney General

810 Hamilton St.

Fourth Floor

Allentown, PA 18101

610-821-6690

Fax: 610-821-6529

E. Barry Creany, Senior Deputy Attorney General

Bureau of Consumer Protection

Ebensburg Regional Office

Office of the Attorney General

171 Lovell Ave.

Suite 202

Ebensburg, PA 15931

814-471-1831

Fax: 814-471-1840

Darrel Vandevald, Deputy Attorney General

Bureau of Consumer Protection

Erie Regional Office

Office of the Attorney General

1001 State St.

Suite 1009

Erie, PA 16501

814-871-4371

Fax: 814-871-4848

Michael Farnan, Deputy Attorney General

Bureau of Consumer Protection

Harrisburg Regional Office

Office of the Attorney General

301 Chestnut St., Suite 105

Harrisburg, PA 17101

717-787-7109

Fax: 717-772-3560

John Abel, Senior Deputy Attorney General

Bureau of Consumer Protection

Philadelphia Regional Office

Office of the Attorney General

21 South 12th St.

Second Floor

Philadelphia, PA 19107

215-560-2414

Fax: 215-560-2494

Marcia Telek DePaula, Deputy Attorney General

Bureau of Consumer Protection

Pittsburgh Regional office

Office of Attorney General

564 Forbes Ave.

6th Floor Manor Building

Pittsburgh, PA 15219

412-565-5135

Fax: 412-565-5475

J.P. McGowan, Senior Deputy Attorney General

Bureau of Consumer Protection

Scranton Regional Office

Office of Attorney General

214 Samter Building

101 Penn Avenue

Scranton, PA 18503

570-963-4913

Fax: 570-963-3418

Bruce Sagel, Chief

Economic Crime Unit

Philadelphia District Attorney's Office

1421 Arch St.

Philadelphia, PA 19102

215-686-8750

Fax: 215-686-8765

I then would fax a copy to your sucky finance company. I h*e this will help you.

The Great Thorn

Bayville,
New York,
U.S.A.

helpful info

#5Consumer Suggestion

Fri, January 24, 2003

The Great Thorn

Bayville,
New York,
U.S.A.

helpful info

#5Consumer Suggestion

Fri, January 24, 2003

The Great Thorn

Bayville,
New York,
U.S.A.

helpful info

#5Consumer Suggestion

Fri, January 24, 2003

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