Complaint Review: Abn Amro Mortgage Group - Chicago Illinois

The most important thing right now of course is to stop that foreclosure!!!!! Maybe I can help you a little. Did you send the letter with proof of delivery verification i.e. "Express Mail"? You must do this or they will simply "lose" it. Put the rebuttal you wrote above into letter form, and get all of your "proof" together and ready to fax. The number I am giving you is a fax number to the ABN-AMRO research department. This department is very helpful, unlike the foreclosure department. Be detailed in your letter, list names....etc. You can sue them because they have violated the RESPA and you should remind ABN-AMRO of your right to do that. The fax number is 248-457-5676. You can send it attn: Kathryn Fisher. I really hope this helps you. Also I have pasted a link to the FTC website that explains the next step since ABN-AMRO unwisely ignored your Qualified Written Request. Also send everything you faxed to the FTC and your State Atty. Generals office. And file a complaint with the BBB also. http://www.ftc.gov/bcp/conline/pubs/homes/mortgserv.pdf look at page 5 for details of what to do next. You can sue ABN-AMRO because they are in violation see this site: www.hud.gov/offices/hsg/sfh/resp2605.cfm see (f) Damages and costs Since they have initiated foreclosure, you just may have to have an attorney go to bat for you again to stop it....or hopefully they will pull the whole thing back once you fax your letter and proof. When this is all resolved in your favor and you're back in "good status", make two copies of your signed check (send one and keep one), send your payment in by courier and keep copies of your delivery confimation. Keep this up for twelve months and refinance! You will need all of this to dispute ABN's reporting on all three of your credit reports before you refinance anyway. Escrow procedures are also under the RESPA, it's painstaking work searching this all out but it is rewarding when you use what you learn and make a difference in your seemingly hopeless situation. Be encouraged! Fight a good fight! I believe you will see a breakthrough in your favor... keep the faith! Godspeed

I have been trapped in the same dispute with ABN AMRO for the last 2 years. They began foreclosure in March of 2000. I attempted to work with them and was told by an employee whose name was Cory McCormack that they didn't "need to provide documentation of delinquent payments -- you owe the money, just pay it!" In desperation to be heard, I hired an attorney who wasn't able to convince them. Hundreds of dollars later and hours of distress I finally just sent them copies of all my bank statements with the payments highlighted. They then said that they had not received the 3 on-line payments I'd made through my bank. I was able to track down the Fed Line transaction record through the Office of Thrift Supervision. That must have satisfied them because they quit threatening me. I followed up with a request under RESPA Section 6 of a listing of transactions posted to my account. They never responded. But wait, it gets even worse. A few months ago I was notified that my payment check was not signed. I said I would send another and asked that the unsigned check be returned. Both checks cleared my account within a week of that conversation - on the same day. Both checks were signed. I've had no luck getting anyone to even acknowledge that there is an extra payment floating around somewhere and now, they've begun foreclosure again. They've not indicated what payment was missed but of course, clever girl that I am, I always print out the canceled checks when they clear the bank. Additionally, each year when my escrow statement arrives there is usually a balance due to me that according to the letter will be sent to me within 30 days. I've never gotten a check and the amount owed to me is now a couple thousand. I'm searching for a way to sue them. If anyone knows if this is possible, please post and provide guidance. Thanks!

You may have two good ways to get them to "play ball". The first one is to dispute this by disputing their credit reporting. Get all three of your credit reports and find out what they are reporting. On the Federal Trade Commission web site there is a sample credit dispute letter and instructions on how to proceed. If you are able to provide the credit bureaus with COPIES of proof of your timely payments, reversal of your situation is more probable. You also have rights under the RESPA (Real Estate Settlement Practices Act/ there is a website). This act tells you what your rights are and what the mortgage company's responsibilities are to you. You can, under this act submit a "qualified written request" letter that the mortgage company MUST respond to you within twenty days and resolve the issue of your letter within 60 days. It may take some time to get all of this together, but once you do you will hopefully have a corrected credit report (frees you up for refinancing elsewhere), and your mortgage company will have to recognize that you are are one smart person they can't suckerpunch anymore! But since this is urgent write the "Qualified written request" letter (a sample letter is on the FTC website I think), and get it to them fast. Also in the meantime if you are going to send your payments in, I would overnight them the payment through a courier. I know that with the USPS you can request that a proof of delivery receipt be sent to you. That way the mortgage company can not "lose" your info through "technical" malfuctions of fax machines or whatever excuse they give. I hope this helps everyone that is experiencing this. I know for a fact you aren't the only one this has happened to. Godspeed to you

Waiting will not resolve this problem! Take the cancelled checks to an attorney! There is a real likely chance that the mortgage company will not assist you in correcting their own mistake. You need an attorney to help you, so you will not lose your home. I am not an attorney but I have been in a similar situation with a car loan and in spite of my having overpaid, I lost the car. It is now a matter that I have to file a civil suit about. You may have to pay an attorney now but it will certainly be better than losing your home, also if you are right the company may have to re-imburse you for your costs. Best of Luck! Ps look for an attorney that is well versed in consumer protection laws and Fair Credit Billing Disputes.