Complaint Review: Ameriquest - Orange California

Ok...so you NEVER heard of forced placed insurance? Cripes...did you even GLANCE at your contract that you signed? It WAS there somewhere....are you deaf? Blind? Illiterate? Uneducated? I don't know, but every mortgage out there comes with a line in the mortgage that says if YOU don't provide insurance that is UP TO DATE and at least for the amount of the outstanding mortgage...then THEY will place it for you (and usually at 10 times the actual cost you could get on your own). All you should have to do to remove that insurance is to provide complete documentation to them that you do have just that. I kinda doubt you really do have anything other than maybe liability insurance. That's not gonna help. Where the hell was your head when you signed paperwork? I don't like Ameriquest...but you just showed quiet clearly you didn't even go over once what the paperwork said before you signed...or you'd be at least aware of it in some sense or another. Don't tell me you got blindsided by it....that's your own fault for not reading before signing...or having someone intelligent there to read it for you or know what is going on. It never ceases to amaze me how people get through life without the slightest clue of how things really work, and that time and time again they don't read what the hell they are signing. Quit your bitching at others...you are pretty well at fault here regardless of how slimey Ameriquest is. You are no different that someone who got handed the car keys and drove off into a car crash because you forgot to figure out how the brakes work first. Your back-ended findings of all this stuff shows me you have some sense that could have had this all averted if you took even 1/10th the same effort ahead of time. Did you even read my previous posting of what to do? Bet not.

From Markana. I guess Ameriquest can hear me from the net. My Attorney called and said that an ameriquest attorney called them and said that, ameriquest is very concerned and didn't know that I was still making the mortgage payments, and didn't realize that we are having this struggle. Well, let's see just how much longer it will be? I won't hold my breath.......... If I have to spend 10 years in court I will get an Answer! Good Luck to everyone! _________________________________________________ I never even herd of forced placed insurance before ameriquest. Ameriquest's cure for their mistake, was to first, sell the loan to HSBC then put forced placed insurance on 2 month after they sold the loan to HSBC, and 5 month after the storms. is that legal? Now I cant get a copy of anything, including the insurance? now since HSBC made ameriquest buy it back, before they HSBC, sold it back to amc, HSBC Paid for the balance of the insurance, and put it in my name, now after talking to the insurance dep, at amc, on recording she said that they were still putting F/P insurance on us and that it would be a waste of time for me to send her the info I have. HUM, now I have 2 times the insurance? 1 for 100,000.00 and 1 for 60.000.00 on a 60,000.00 thousand dollar loan. I Don't trust Ameriquest, and I really hope they don't try what they have done to us, on the poor victims of Katrina, That why I'm hear. Thanks, for the info about the Congress person, I will try that next. GOOD LUCK! From Florida, :o) USA

Just reading this, I am a bit concerned about some of your terminology. YOU wrote RESPA letters and HUD letters? Hmmm....RESPA is simply a disclosure law...where they provide specific disclosures to you...there's no letters you write on either subject. Either way, with sponsorships in the NFL, MLB and now the friggin Rolling Stones most recent tour, you had better damned well realize these people (Ameriquest/AMC) have V E R Y, VVVVEEERRRYY deep pockets. They will continue to ignore you until hell freezes over figuring you will eventually just succumb to their foreclosure machine like everyone else. Before you spend another penny, you need to contact a very good attorney that specializes in mortgage fraud, real estate and other related subjects. YOU will need to pay them...since you won't get assistance from any government anywhere that Jeb Bush is a part of. Those Ameriquest deep pockets go all the way to the top...into Jeb's own pants and most of big corporate business. The only governmental solution I may suggest is to get ahold of your congress person. They specifically deal with this stuff...governors are too busy with disasters and state budgets. Congress of your district will have field offices, assistants and other lackeys who can make calls and write letters for you. Same with State and US Sentate offices....they will all have offices to handle your needs...they helped me quite a bit (thank you Herb Kohl of Wisconsin) when I really needed...he wrote some really nice and NASTY letters that got results....well...at least they were signed by him...I do know some were written by him..but most by his assistants. Anyway....you will not win this without that sort of help and a good attorney. IF you miss one payment, you will be the one breaching the contract so you'd be advised to do your best to maintain payments. If you do have insurance, get ahold of a copy of your policy and see what sort of replacement costs are covered. If it's force placed...bet it's only enough to cover the mortgage and that's it...which is your fault for not getting adequate coverage. That you'll just have to deal with. As a mortgage rep for a solid company myself...I'd be scared stiff if I ever ended up with these guys...I'm really surprised nobody's gone "POSTAL" on them the way they treat people...not that I'd suggest that...it'd only get you behind bars. Get your lawyer and not the one from the cover of the yellow pages or you'll be supporting that high-cost ad and get little in return. Good luck.

I don't see what the hurricanes have to do with Ameriquest...especially based on where you live in relation to where the hurricanes you mentioned tracked. Yes you received a lot of rain from Frances...so what? You didn't receive much wind since the storm made landfall a couple hundred miles from you. Same with Jeanne which made landfall in the same place. Ivan not only made landfall far from you, but even its remnants stayed far west of you. In other words, you got off easy with nothing other than a lot of rain which caused some flooding. So don't blame any of your problems on hurricanes. I'm a meteorologist and know exactly what the hurricanes did and how they affected your area. Maybe you have a legitimate gripe against Ameriquest, but the way you've exaggerated the hurricane issue makes me question whether we are hearing the true story about what happened.

I understand that you're in a bad way. However, your responses haven't changed. About all I've heard that Ameriquest may have possibly done wrong is that they witheld money for insurance, yet did not pay your insurance. Therefore, your house was destroyed, and you had no coverage. If this is correct, than it certainly is a ripoff and a problem. I would suggest you file against them in court for your losses. I don't know why people allow their mortgage carriers to pay insurance for them. Are people not aware that they can get their own separate insurance and deny to allow the loan company to be their insurance middle man? This cuts out so many problems, such as those that you might be having. Lastly, you might want to adjust your attitude a little bit. The way you're talking to and treating innocent bystanders will gain you little sympathy. We're just here to try and help.

From Markana, I would gladly answer any 10 questions. If you will answer one? From Florida :o) U.S.A?

I ask only one question. why did you not personally insure your home?

From: Me 2 ok, to keep it short, thanks for responding. lets see, was it the bait and switch or the fraud or maybe the forged documents sitting in the Suwannee county courthouse in Florida. or do you want to hear about the Ameriquest specialists, that closed the loan August 1, 2004 and never paid our insurance, that I paid for and was tossed to the side to do later? is that what you want to hear? Then Hurricane Frances hit, we went without power and water for 3 weeks, it was a very scary storm. Then Hurricane Ivan hit, two more weeks no power or water Then Hurricane Jean, do I need to say more..... we live in north central Florida near lake city Florida 30 miles from Gainesville and 80 miles from Jacksonville. If you think you are tired of hearing about all my troubles you should trying living with us for a while!!! The electric man came today to cut the power off, do you know how I'm going to get the money? 207.78 Do you know how I'm going to pay the rent due on the 20th? $450.00 and try to keep my small farm? $507 with, yes forced placed ins, Gas is 319 a gallon it cost me over 20 dollars a day just in gas. Can you ask ameriquest why they won't answer any of my questions? good luck getting an answer. Try living with out power for one day, or look at your things in your house, and then think of someone steeling everything you worked so hard for, that now is now gone? Come and live with us for one week, I dare ya, Please. Oh and, I have a bad tooth ace do you want to hear more, I cant afford to have it YANKED out of my head because if I do, we can afford to buy food! is that what you want to know? What would you do? I really would like to know? From Florida :o) U.S.A P.S. I just want some answers from Ameriquest. I will survive this... :o)

What exactly is the problem? You've stated that you're paying both rent and a mortgage. Why is that, and how is Ameriquest at fault, specifically? What have they done? Your numerous emails are repetitive and don't exactly explain why Ameriquest has ripped you off. Please explain in several simple sentences what they did to rip you off. Please do so without mentioning your burdens (autistic sister, paying rent + mortgage). Just stick to the facts as to how Ameriquest has been wrong.

Message Board - Letter to Congress Woman, Deborha Pryce, Asking for Help with Ameriquest and Hurricanes Search Author Comment 9/01/05 at 11:40 AM -------------------------------------------------------------------------------- This is a letter I, e-mailed this morning Dear, Congresswoman Deborah Pryce. Ameriquest, Will not answer any of my questions? I even sent a letters and e-mails Requesting Help, To: Roland Arnall, Aseem Mital, Adam Bass, and Joan Gladstone, I never got a response other than we are working to resolve and will reply soon, Well I'm still waiting month's later..... Today, September 1, 2005 I am and have been renting for the last 8 month since January 20th 2005, after Hurricanes hit us doing damages to our home we had to move to a rental, at this time we are still renting and making on time house payments, for a home we cant live in, and forced placed insurance, Our home is a small farm and I have to travel over 30 to 50 miles a day to feed and care for what's left of our farm animals, with gas prices as high as they are it's really getting to be more than I can take. My Kids and I, and My Mother and Sister, have lost everything we own, but the land our house sits on. My Mother is 73 years old and it's been quite a struggle every day, I am very worried that She will not survive the stress from all of this. My Disabled Sister lives with us to, She has autism, and cant walk. Please, Help us, I can not afford to rent and make house payments much longer.... September 1, 2005 I will wonder if I will hear from Her? From Florida, U.S.A. ? 9/01/05 at 12:26 PM -------------------------------------------------------------------------------- TO ANY VICTIMS HERE IN FLORIDA THIS SO CALLED PROMINENT TAMPA REAL ESTATE ATTORNEY - NICKOLAS EKONOMIDES WHO HAS ADVERTISED HEAVILY AGAINST AMERIQUEST , AND WANTS YOU AS A CLIENT TO PROCEED ANY ACTION AGAINST AMERIQUEST HAS NOT CONDUCTED HIMSELF PROFESSIONALLY ON MY CASE, AND OTHERS PROOF IS IN THE PUDDING ! THINK TWICE BEFORE YOU CONSIDER NICK A FRIENDLY WORD OF ADVICE FROM A FLORIDA VICTIM Me 2 Letter to Jeb Bush 9/01/05 at 03:53 PM -------------------------------------------------------------------------------- I, e-mailed Governor Jeb Bush, Today 4:50 p.m. Dear, Governor Bush, CC: Congresswoman Deborah Pryce. Please Help us. Ameriquest, Will not answer any of my questions? I even sent a letters and e-mails Requesting Help, To: Roland Arnall, Aseem Mital, Adam Bass, and Joan Gladstone, I never got a response other than we are working to resolve and will reply soon, Well I'm still waiting months later..... Today, September 1, 2005 I am and have been renting for the last 8 month since January 20th 2005, after Hurricanes hit us doing damages to our home we had to move to a rental, at this time we are still renting and making on time house payments, for a home we cant live in, and forced placed insurance, Our home is a small farm and I have to travel over 30 to 50 miles a day to feed and care for what's left of our farm animals, with gas prices as high as they are it's really getting to be more than I can take. My Kids and I, and My Mother and Sister, have lost everything we own, but the land our house sits on. My Mother is 73 years old and it's been quite a struggle every day, I am very worried that She will not survive the stress from all of this. My Disabled Sister lives with us to, She has autism, and cant walk. Please, Help us, I can not afford to rent and make house payments much longer.... September 1, 2005 9/02/05 at 07:16 AM -------------------------------------------------------------------------------- To: V.B.C. Sorry to hear that, I hope we are not in the same Boat!?!?!... Here is the e-mail address for Governor Jeb Bush, it can't hurt to try, let them hear US! [email protected] Does anyone have the e-mail address for George Bush? Next........ 9/02/05 at 08:49 AM -------------------------------------------------------------------------------- From: Me 2 Sep 2, 2005 This Morning I also e-mailed the Florida HUD office, inman news and Armyofmoms, this same letter. I wonder if I will hear anything, if I do I will let everyone know. NEXT....... 9/02/05 at 11:42 AM -------------------------------------------------------------------------------- From: Me 2 Thank you for your email to Governor Arnold Schwarzenegger. The Governor appreciates hearing from concerned and involved Californians, as well as from individuals all over the world who have an interest in California. Governor Schwarzenegger is committed to restoring your confidence in state government. As the Governor has said, with hard work and your help, California will once again be the "Golden Dream by the Sea". Due to the unprecedented number of emails sent to the Governor, there may be a delay in immediately responding to your email. Please know that the Governor's office is making every effort to respond to your inquiry and will ensure that your voice is heard by the Governor. To help us respond to you, please include your email address when you communicate with the Governor's Office. Please note that we are unable to accept e-mail attachments because of the risk of Internet viruses. We ask that you please send your attachments via traditional mail to: Office of the Governor State Capitol Building Sacramento, CA 95814 For more information about Governor Schwarzenegger and the State of California, please visit the California website at http://www.ca.gov. Again, thank you for your email. Governor Schwarzenegger is proud to serve you and all Californians. NEXT........... 9/02/05 at 04:24 PM -------------------------------------------------------------------------------- This is a responce I got from [email protected] after, I e-mailing them the same letter from this morning. I sent it to the FTC, Florida HUD office, and lot of others! _____________________________________ ~~~>Reply, Are you able to provide some contact information, so someone can contact you directly? Thanks. Date: 09/02/2005 08:39 AM From: [email protected] To: Subject: Ameriquest Hurricanes HUD FTC Governor Jeb Bush READ SOON! _______________________________________________ I e-mailed them, my contact info soon after I got That short response. Thanks From: Florida U.S.A. ? 9/05/05 at 09:49 AM -------------------------------------------------------------------------------- From: Me2 I e-mailed this letter September 5, 2005 To: Beverly Springer, Division of Licensing Bureau of License Issuance Post Office Box 6687 Tallahassee, Florida 32314-6687 (850) 245-5691 Hi, My Name is ------------- I would like to know something, is Ameriquest currently licensed in Florida, and if so, what is the current status, and what do I need to do to fine out? Also, what and how do I make a complaint, last year we were hit by three major hurricanes and are still homeless renting and making on time house payments. Ameriquest will not answer any of my questions? I've been asking ameriquest questions now for over a year, writing RESPA letters and doing every thing I can, even writing Roland Arnall, and Aseem Mital, but they only respond with the same letter that says, we are working on it and will respond soon, well I'm still waiting one year later. I have over way over 30 letters to and from, ameriquest, HSBC and AMC. How long will I have to rent and make house payments? Please respond soon. Thank's, ------------ Next...... 9/05/05 at 10:32 AM -------------------------------------------------------------------------------- Unbelievable. Somebody help these people. Have you filed for Section 8? 9/05/05 at 10:44 AM -------------------------------------------------------------------------------- Thanks for responding, What is a section 8? 9/05/05 at 12:31 PM -------------------------------------------------------------------------------- Section 8 is handled via HUD and generally managed via the county/state welfare programs. With a section 8 filing you can obtain government sponsored housing such as apartment rentals and other programs depending on the plans qualifications and locality. Here is the link which is very helpful, http://www.hud.gov/offices/pih/programs/hcv/index.cfm Good luck but be aware that these listings are long and most areas are making people and families wait about a year. 9/05/05 at 02:16 PM -------------------------------------------------------------------------------- Hi Lady Di Thank's for the info. From Me 2 9/05/05 at 09:36 PM -------------------------------------------------------------------------------- From: Me 2 This is a letter, That I sent to Roland Arnall Owner of ameriquest, and the newest Predident of Ameriquest Aseem Mital, Asking for help with their compainy on June 28 2005. __________________________________________________ _ Ameriquest Account number: 0087529087 June 28th 2005 To: Aseem Mital President of Ameriquest and ACC Co-Chairman Roland Arnall owner of Ameriquest. I am writing you because, I have been RENTING since January 20th 2005, and making Mortgage payments. I Want to know why it is taking so long to answer My questions, That still have NOT been answered to this day, June 28th 2005. I am a single Mother trying to take care of My family, That includes, My two children, my Mother and my disabled sister, it has been a daily struggle to keep everything going. I am now requesting that you Aseem Mital, and Roland Arnall, respond to this letter, Because I have never received an answer to any of my questions in the past that were faxed to, The Office of the President. I want to know why it is taking so long to resolve this, and How much longer it will be until, We can get back to our normal life and Home? Attached to this fax, is a picture of the ramp that we have to use to get My sister in and out of the rental house, to go to the Doctors office by stretcher van, or in case of emergency, it's not easy, today is the fifth time we've had to use this portable ramp. At this time I am requesting that you reply in writing with in 10 days, or by not responding to this letter with in 10 days, I will have to assume that you DO NOT stand by your quote (Best Practice Policy) or have any regards for the well-being of the customers that you service, as a mortgage servicer. Signed ------------- _Date _June 28, 2005_ Faxed to: 714-953-0674 ATT: Farrah M, at the office of the president. __________________________________________________ I Never got a responce more than we are working on it and will respond soon. Today is September 5, 2005 and still know answers? from anyone at ameriquest? To date I have been in contact with ameriquest since last August and September 2004. From Florida U.S.A. Stephen 9/05/05 at 10:42 PM -------------------------------------------------------------------------------- I'm receiving Section 8 housing assistance. I was approved 6 months after I applied and they pay $800 of my $1,100 rent. It is a godsend for ordinary people who end up in a hole through no fault of their own. Those with a tainted past can wait up to 5 years. All I did was go find an apartment, applied to the Housing Commission and they started paying the rent with no questions asked and have been for two years. They also offer programs funded by grants for educational expenses, outright recovery money, new home purchases for $90,000 and on and on and on. Get your hiney down to your local Housing Commission. Yesterday at 07:12 AM -------------------------------------------------------------------------------- To: Stephen, Thanks for the info, I will check in to that today. Thank and have a good day! ) From Florida, ) U.S.A. Yesterday at 10:01 AM -------------------------------------------------------------------------------- Email me if you have any questions or run into any roadblocks. Yesterday at 09:45 PM -------------------------------------------------------------------------------- From: Me 2 This is a response I received from the FTC Today. __________________________________________________ _ September 6, 2005 Re: FTC Ref. No. 6680941 Dear --------- ------------ Thank you for your letter regarding your experiences with your financing. I can assure you that the Federal Trade Commission is concerned about the practices you describe. Because many of the terms of a particular credit agreement are governed by state rather than federal law, however, a private attorney familiar with the state laws probably would be in the best position to give you immediate relief. You, therefore, may wish to contact the local bar association, or the local Legal Aid or Legal Services office, for a referral to an attorney who specializes in this area. In addition, you may wish to contact the state Attorney General's office, or a local consumer protection agency, for assistance. In addition to any causes of action you may have under state law, the Commission enforces enforces the Truth in Lending Act ("TILA"), 15 U.S.C. 1601 et seq., and its implementing Regulation Z. Under the TILA and Regulation Z, creditors are required to provide consumers with written disclosures of the costs and credit terms associated with financing. Among the required disclosures are the annual percentage rate and the finance charge. Generally, creditors must make these disclosures before the transaction. In addition, special disclosures about variable rate features of the financing are also required. Also, under an amendment to the TILA, creditors making certain high-rate, high-fee mortgages must provide certain additional disclosures and comply with certain prohibitions required by the Home Ownership and Equity Protection Act ("HOEPA"). Also, for certain home equity mortgages and some refinances involving a security interest in your principal dwelling, there may be a right to rescind the mortgage after consummation of the transaction. The TILA has many other provisions, including those pertaining to billing errors and other protections for credit cards. Under some circumstances, the TILA provides a private right of action against creditors for disclosure and other violations. Consumers may file lawsuits for actual damages and/or statutory damages, plus costs and reasonable attorney's fees. The Commission also enforces the Federal Trade Commission Act ("FTC Act"). 15 U.S.C. 41-58. In interpreting Section 5 of the FTC Act, 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices, the Commission has determined that a representation, omission, or practice is deceptive if (1) it is likely to mislead consumers acting reasonably under the circumstances; and (2) it is material; that is, likely to affect consumers' conduct or decisions with respect to the product at issue. In a statute that became effective in August 1994, Congress amended Section 5 of the FTC Act to provide that an act or practice is unfair if the injury to consumers it causes or is likely to cause (1) is substantial; (2) is not outweighed by countervailing benefits to consumers or to competition; and (3) is not reasonably avoidable by consumers themselves. In determining whether to take enforcement or other action in any particular situation, the Commission may consider a number of factors, including the type of violation alleged; the nature and amount of consumer injury at issue and the number of consumers affected; and the likelihood of preventing future unlawful conduct and securing redress or other relief. While only the Commission can enforce the FTC Act, many states have comparable statutes, some with a private right of action. Private rights of action also may exist for other claims under state law, such as fraud. Thank you for bringing this matter to our attention. We will contact you in the future if we need additional information, and we hope the information in this letter is helpful. Sincerely yours, Consumer Response Center __________________________________________________ ______ I'm not sure what they can or will do? What do you guys think? From Florida, U.S.A. Yesterday at 10:22 PM -------------------------------------------------------------------------------- It only tells you what the venues are for you. Beware. Attorneys will readily take your money and then sell you out in court. Yesterday at 10:32 PM -------------------------------------------------------------------------------- this is a slap in the face , they have sent you on a wild goose chase , your face chasing your a*s , good luck with the florida attorney referral service , what a joke ! do not hire up ekonomides - this is the ultimate joke of an attorney ! the do - nothing attorney ! now we know how he got his title DO - LITTLE EKO ! YOU WANT RESULTS : GET WITH GEORGE , he has all the answers , he has all of the contacts - he's the one making progress against ameriquest - he's well connected Today at 12:54 AM -------------------------------------------------------------------------------- Unfortunately, the Federal Trade Commission will also do absolutely nothing for you as an individual - according to Ms. Allison Brown, special counsel for the FTC. They WILL, however, do NEXT to nothing for you if you bring them, say, 750,000 of your closest friends/MSF victims of an EMC. You probably won't like the results though - just ask anyone that opted in to USA/Curry v. Fairbanks if they were happy with the settlement. Then ask the 1100 of those that opted out WHY they opted out. Then ask the 25 +/- firms that represented the plaintiffs if THEY were happy splitting $8.75 million in fees. Like it or not, I think the only avenue that you may have is to find a good consumer protection attorney to litigate your case and a good CPA/CFE to audit your account, perform a damages assessment, and just plain create the road map of where each and every penny of your payments went within the company. Try searching www.martindale.com for firms that deal with consumer protection within your state. Today at 07:18 AM -------------------------------------------------------------------------------- From: Me 2 Is it legal for Ameriquest to ask a forced placed insurance company like safeco, to cover damages for neglect, fraud, and forgery, during the closing? 5 month after the closing? This I would really like to know? Now ameriquest has put more forced placed insurance on us and now it for one hundred thousand dollars, 1000.000. Dollars on my house I cant live in, that's financed for 60.000.00 thousand? and of course it doesn't cove anything... What's with that? Thanks from Florida, U.S.A. Today at 08:24 AM -------------------------------------------------------------------------------- SAFECO IS IN BED WITH AMERIQUEST AMERIQUEST MAKES A PHONE CALL , SAFECO WRITES A POLICY IF SOMETHING HAPPENS TO THE PROPERTY , NOW AMERIQUEST REAPS THE REWARDS NOT THE HOMEOWNER SAFECO PAYS AMERIQUEST , NOW TRY AND GET THE MOOLA FROM AMERIQUEST TO FIX ANY DAMAGES GOOD LUCK WHAT A SCAM Today at 09:02 AM -------------------------------------------------------------------------------- From: Me 2 If the title company, Mortgage information services, only has two unsigned HUDs are they legally binding? soooo many HUDS to choose from....... HUM? 5 difrent one so far, for one loan?.......HUM? From: Florida U.S.A

This is a response I recived from the FTC Today regaurding Ameriquest and the LAW!! September 6, 2005 ______________________________________________________________ September 06, 2005 Re: FTC Ref. No. 6680941 Dear -------- ----------- Thank you for your letter regarding your experiences with your financing. I can assure you that the Federal Trade Commission is concerned about the practices you describe. Because many of the terms of a particular credit agreement are governed by state rather than federal law, however, a private attorney familiar with the state laws probably would be in the best position to give you immediate relief. You, therefore, may wish to contact the local bar association, or the local Legal Aid or Legal Services office, for a referral to an attorney who specializes in this area. In addition, you may wish to contact the state Attorney General's office, or a local consumer protection agency, for assistance. In addition to any causes of action you may have under state law, the Commission enforces enforces the Truth in Lending Act ("TILA"), 15 U.S.C. 1601 et seq., and its implementing Regulation Z. Under the TILA and Regulation Z, creditors are required to provide consumers with written disclosures of the costs and credit terms associated with financing. Among the required disclosures are the annual percentage rate and the finance charge. Generally, creditors must make these disclosures before the transaction. In addition, special disclosures about variable rate features of the financing are also required. Also, under an amendment to the TILA, creditors making certain high-rate, high-fee mortgages must provide certain additional disclosures and comply with certain prohibitions required by the Home Ownership and Equity Protection Act ("HOEPA"). Also, for certain home equity mortgages and some refinances involving a security interest in your principal dwelling, there may be a right to rescind the mortgage after consummation of the transaction. The TILA has many other provisions, including those pertaining to billing errors and other protections for credit cards. Under some circumstances, the TILA provides a private right of action against creditors for disclosure and other violations. Consumers may file lawsuits for actual damages and/or statutory damages, plus costs and reasonable attorney's fees. The Commission also enforces the Federal Trade Commission Act ("FTC Act"). 15 U.S.C. 41-58. In interpreting Section 5 of the FTC Act, 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices, the Commission has determined that a representation, omission, or practice is deceptive if (1) it is likely to mislead consumers acting reasonably under the circumstances; and (2) it is material; that is, likely to affect consumers' conduct or decisions with respect to the product at issue. In a statute that became effective in August 1994, Congress amended Section 5 of the FTC Act to provide that an act or practice is unfair if the injury to consumers it causes or is likely to cause (1) is substantial; (2) is not outweighed by countervailing benefits to consumers or to competition; and (3) is not reasonably avoidable by consumers themselves. In determining whether to take enforcement or other action in any particular situation, the Commission may consider a number of factors, including the type of violation alleged; the nature and amount of consumer injury at issue and the number of consumers affected; and the likelihood of preventing future unlawful conduct and securing redress or other relief. While only the Commission can enforce the FTC Act, many states have comparable statutes, some with a private right of action. Private rights of action also may exist for other claims under state law, such as fraud. Thank you for bringing this matter to our attention. We will contact you in the future if we need additional information, and we hope the information in this letter is helpful. Sincerely yours, Consumer Response Center _____________________________________________________________ Thank's From Florida, :o) U.S.A And Good Luck, To the newest Hurricane victims, from last years Hurricanes victims, still waiting for help! With this nightmare of a Mortgage servicer Ameriquest.

This is a response I recived from the FTC Today regaurding Ameriquest and the LAW!! September 6, 2005 ______________________________________________________________ September 06, 2005 Re: FTC Ref. No. 6680941 Dear -------- ----------- Thank you for your letter regarding your experiences with your financing. I can assure you that the Federal Trade Commission is concerned about the practices you describe. Because many of the terms of a particular credit agreement are governed by state rather than federal law, however, a private attorney familiar with the state laws probably would be in the best position to give you immediate relief. You, therefore, may wish to contact the local bar association, or the local Legal Aid or Legal Services office, for a referral to an attorney who specializes in this area. In addition, you may wish to contact the state Attorney General's office, or a local consumer protection agency, for assistance. In addition to any causes of action you may have under state law, the Commission enforces enforces the Truth in Lending Act ("TILA"), 15 U.S.C. 1601 et seq., and its implementing Regulation Z. Under the TILA and Regulation Z, creditors are required to provide consumers with written disclosures of the costs and credit terms associated with financing. Among the required disclosures are the annual percentage rate and the finance charge. Generally, creditors must make these disclosures before the transaction. In addition, special disclosures about variable rate features of the financing are also required. Also, under an amendment to the TILA, creditors making certain high-rate, high-fee mortgages must provide certain additional disclosures and comply with certain prohibitions required by the Home Ownership and Equity Protection Act ("HOEPA"). Also, for certain home equity mortgages and some refinances involving a security interest in your principal dwelling, there may be a right to rescind the mortgage after consummation of the transaction. The TILA has many other provisions, including those pertaining to billing errors and other protections for credit cards. Under some circumstances, the TILA provides a private right of action against creditors for disclosure and other violations. Consumers may file lawsuits for actual damages and/or statutory damages, plus costs and reasonable attorney's fees. The Commission also enforces the Federal Trade Commission Act ("FTC Act"). 15 U.S.C. 41-58. In interpreting Section 5 of the FTC Act, 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices, the Commission has determined that a representation, omission, or practice is deceptive if (1) it is likely to mislead consumers acting reasonably under the circumstances; and (2) it is material; that is, likely to affect consumers' conduct or decisions with respect to the product at issue. In a statute that became effective in August 1994, Congress amended Section 5 of the FTC Act to provide that an act or practice is unfair if the injury to consumers it causes or is likely to cause (1) is substantial; (2) is not outweighed by countervailing benefits to consumers or to competition; and (3) is not reasonably avoidable by consumers themselves. In determining whether to take enforcement or other action in any particular situation, the Commission may consider a number of factors, including the type of violation alleged; the nature and amount of consumer injury at issue and the number of consumers affected; and the likelihood of preventing future unlawful conduct and securing redress or other relief. While only the Commission can enforce the FTC Act, many states have comparable statutes, some with a private right of action. Private rights of action also may exist for other claims under state law, such as fraud. Thank you for bringing this matter to our attention. We will contact you in the future if we need additional information, and we hope the information in this letter is helpful. Sincerely yours, Consumer Response Center _____________________________________________________________ Thank's From Florida, :o) U.S.A And Good Luck, To the newest Hurricane victims, from last years Hurricanes victims, still waiting for help! With this nightmare of a Mortgage servicer Ameriquest.

This is a response I recived from the FTC Today regaurding Ameriquest and the LAW!! September 6, 2005 ______________________________________________________________ September 06, 2005 Re: FTC Ref. No. 6680941 Dear -------- ----------- Thank you for your letter regarding your experiences with your financing. I can assure you that the Federal Trade Commission is concerned about the practices you describe. Because many of the terms of a particular credit agreement are governed by state rather than federal law, however, a private attorney familiar with the state laws probably would be in the best position to give you immediate relief. You, therefore, may wish to contact the local bar association, or the local Legal Aid or Legal Services office, for a referral to an attorney who specializes in this area. In addition, you may wish to contact the state Attorney General's office, or a local consumer protection agency, for assistance. In addition to any causes of action you may have under state law, the Commission enforces enforces the Truth in Lending Act ("TILA"), 15 U.S.C. 1601 et seq., and its implementing Regulation Z. Under the TILA and Regulation Z, creditors are required to provide consumers with written disclosures of the costs and credit terms associated with financing. Among the required disclosures are the annual percentage rate and the finance charge. Generally, creditors must make these disclosures before the transaction. In addition, special disclosures about variable rate features of the financing are also required. Also, under an amendment to the TILA, creditors making certain high-rate, high-fee mortgages must provide certain additional disclosures and comply with certain prohibitions required by the Home Ownership and Equity Protection Act ("HOEPA"). Also, for certain home equity mortgages and some refinances involving a security interest in your principal dwelling, there may be a right to rescind the mortgage after consummation of the transaction. The TILA has many other provisions, including those pertaining to billing errors and other protections for credit cards. Under some circumstances, the TILA provides a private right of action against creditors for disclosure and other violations. Consumers may file lawsuits for actual damages and/or statutory damages, plus costs and reasonable attorney's fees. The Commission also enforces the Federal Trade Commission Act ("FTC Act"). 15 U.S.C. 41-58. In interpreting Section 5 of the FTC Act, 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices, the Commission has determined that a representation, omission, or practice is deceptive if (1) it is likely to mislead consumers acting reasonably under the circumstances; and (2) it is material; that is, likely to affect consumers' conduct or decisions with respect to the product at issue. In a statute that became effective in August 1994, Congress amended Section 5 of the FTC Act to provide that an act or practice is unfair if the injury to consumers it causes or is likely to cause (1) is substantial; (2) is not outweighed by countervailing benefits to consumers or to competition; and (3) is not reasonably avoidable by consumers themselves. In determining whether to take enforcement or other action in any particular situation, the Commission may consider a number of factors, including the type of violation alleged; the nature and amount of consumer injury at issue and the number of consumers affected; and the likelihood of preventing future unlawful conduct and securing redress or other relief. While only the Commission can enforce the FTC Act, many states have comparable statutes, some with a private right of action. Private rights of action also may exist for other claims under state law, such as fraud. Thank you for bringing this matter to our attention. We will contact you in the future if we need additional information, and we hope the information in this letter is helpful. Sincerely yours, Consumer Response Center _____________________________________________________________ Thank's From Florida, :o) U.S.A And Good Luck, To the newest Hurricane victims, from last years Hurricanes victims, still waiting for help! With this nightmare of a Mortgage servicer Ameriquest.

This is a response I recived from the FTC Today regaurding Ameriquest and the LAW!! September 6, 2005 ______________________________________________________________ September 06, 2005 Re: FTC Ref. No. 6680941 Dear -------- ----------- Thank you for your letter regarding your experiences with your financing. I can assure you that the Federal Trade Commission is concerned about the practices you describe. Because many of the terms of a particular credit agreement are governed by state rather than federal law, however, a private attorney familiar with the state laws probably would be in the best position to give you immediate relief. You, therefore, may wish to contact the local bar association, or the local Legal Aid or Legal Services office, for a referral to an attorney who specializes in this area. In addition, you may wish to contact the state Attorney General's office, or a local consumer protection agency, for assistance. In addition to any causes of action you may have under state law, the Commission enforces enforces the Truth in Lending Act ("TILA"), 15 U.S.C. 1601 et seq., and its implementing Regulation Z. Under the TILA and Regulation Z, creditors are required to provide consumers with written disclosures of the costs and credit terms associated with financing. Among the required disclosures are the annual percentage rate and the finance charge. Generally, creditors must make these disclosures before the transaction. In addition, special disclosures about variable rate features of the financing are also required. Also, under an amendment to the TILA, creditors making certain high-rate, high-fee mortgages must provide certain additional disclosures and comply with certain prohibitions required by the Home Ownership and Equity Protection Act ("HOEPA"). Also, for certain home equity mortgages and some refinances involving a security interest in your principal dwelling, there may be a right to rescind the mortgage after consummation of the transaction. The TILA has many other provisions, including those pertaining to billing errors and other protections for credit cards. Under some circumstances, the TILA provides a private right of action against creditors for disclosure and other violations. Consumers may file lawsuits for actual damages and/or statutory damages, plus costs and reasonable attorney's fees. The Commission also enforces the Federal Trade Commission Act ("FTC Act"). 15 U.S.C. 41-58. In interpreting Section 5 of the FTC Act, 15 U.S.C. 45, which prohibits unfair or deceptive acts or practices, the Commission has determined that a representation, omission, or practice is deceptive if (1) it is likely to mislead consumers acting reasonably under the circumstances; and (2) it is material; that is, likely to affect consumers' conduct or decisions with respect to the product at issue. In a statute that became effective in August 1994, Congress amended Section 5 of the FTC Act to provide that an act or practice is unfair if the injury to consumers it causes or is likely to cause (1) is substantial; (2) is not outweighed by countervailing benefits to consumers or to competition; and (3) is not reasonably avoidable by consumers themselves. In determining whether to take enforcement or other action in any particular situation, the Commission may consider a number of factors, including the type of violation alleged; the nature and amount of consumer injury at issue and the number of consumers affected; and the likelihood of preventing future unlawful conduct and securing redress or other relief. While only the Commission can enforce the FTC Act, many states have comparable statutes, some with a private right of action. Private rights of action also may exist for other claims under state law, such as fraud. Thank you for bringing this matter to our attention. We will contact you in the future if we need additional information, and we hope the information in this letter is helpful. Sincerely yours, Consumer Response Center _____________________________________________________________ Thank's From Florida, :o) U.S.A And Good Luck, To the newest Hurricane victims, from last years Hurricanes victims, still waiting for help! With this nightmare of a Mortgage servicer Ameriquest.

From: Markana, still waiting in florida. Ok then, Hey, Ameriquest, H.S.B.C, and to My newest Servicer A.M.C. Me and my family want to go HOME! And I would like to know why you or anyone there at Ameriquest and A.M.C. will not answer any of my questions? Why? Where is your Quote best practice policy? What about one call does it all? is that one call every day? every hour? for how many years? HOW MANY YEARS! What about R.E.S.P.A. LAWS? Do they concern you? What about HUD LAWS? Ameriquest, You pelage to help hurricane victims, and will not even try to resolve or at least tell me how much longer I will have to make house payments and rent! We want to go home! its been over a year now since hurricane Frances, Ivan, and Jean hit us last year, how much longer...... How long will the newest, hurricane victims have to wait? We all want to know? Ameriquest, Thanks, for Reading this I hope when you at ameriquest go home tonight, look at your family and things and know you are lucky to have them, at lease for now? I HAVE SENT LETTERS AND E-MAILS REQUESTING HELP, TO EVERYONE FROM ARNOLD SWARZNENGGER, TO JEB BUSH, AND MANY OTHERS INCLUDING YOU AT AMERIQUEST!!! Thank You, To the Great People that run this great site!!! Great JOB! From: Florida, :o) U.S.A. Good Luck to every one hit by Hurricanes this year. ___________________________ Ameriquest or employees you are welcome to leave a response here___________

From: Markana, still waiting in florida. Ok then, Hey, Ameriquest, H.S.B.C, and to My newest Servicer A.M.C. Me and my family want to go HOME! And I would like to know why you or anyone there at Ameriquest and A.M.C. will not answer any of my questions? Why? Where is your Quote best practice policy? What about one call does it all? is that one call every day? every hour? for how many years? HOW MANY YEARS! What about R.E.S.P.A. LAWS? Do they concern you? What about HUD LAWS? Ameriquest, You pelage to help hurricane victims, and will not even try to resolve or at least tell me how much longer I will have to make house payments and rent! We want to go home! its been over a year now since hurricane Frances, Ivan, and Jean hit us last year, how much longer...... How long will the newest, hurricane victims have to wait? We all want to know? Ameriquest, Thanks, for Reading this I hope when you at ameriquest go home tonight, look at your family and things and know you are lucky to have them, at lease for now? I HAVE SENT LETTERS AND E-MAILS REQUESTING HELP, TO EVERYONE FROM ARNOLD SWARZNENGGER, TO JEB BUSH, AND MANY OTHERS INCLUDING YOU AT AMERIQUEST!!! Thank You, To the Great People that run this great site!!! Great JOB! From: Florida, :o) U.S.A. Good Luck to every one hit by Hurricanes this year. ___________________________ Ameriquest or employees you are welcome to leave a response here___________

From: Markana, still waiting in florida. Ok then, Hey, Ameriquest, H.S.B.C, and to My newest Servicer A.M.C. Me and my family want to go HOME! And I would like to know why you or anyone there at Ameriquest and A.M.C. will not answer any of my questions? Why? Where is your Quote best practice policy? What about one call does it all? is that one call every day? every hour? for how many years? HOW MANY YEARS! What about R.E.S.P.A. LAWS? Do they concern you? What about HUD LAWS? Ameriquest, You pelage to help hurricane victims, and will not even try to resolve or at least tell me how much longer I will have to make house payments and rent! We want to go home! its been over a year now since hurricane Frances, Ivan, and Jean hit us last year, how much longer...... How long will the newest, hurricane victims have to wait? We all want to know? Ameriquest, Thanks, for Reading this I hope when you at ameriquest go home tonight, look at your family and things and know you are lucky to have them, at lease for now? I HAVE SENT LETTERS AND E-MAILS REQUESTING HELP, TO EVERYONE FROM ARNOLD SWARZNENGGER, TO JEB BUSH, AND MANY OTHERS INCLUDING YOU AT AMERIQUEST!!! Thank You, To the Great People that run this great site!!! Great JOB! From: Florida, :o) U.S.A. Good Luck to every one hit by Hurricanes this year. ___________________________ Ameriquest or employees you are welcome to leave a response here___________