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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
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
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
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
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.