Complaint Review: First Alliance Home Mortgage - General Manager (William Fort) - Bayonne New Jersey

Back in 2006 I moved to Bayonne, NJ from Jersey City, NJ with my fiancee and we had no money, we were very broke, I wasn't making enough and neither was she. So I met up with a guy (who by the way, is the owner of an establishment in Bayonne, NJ called Jersey Carpet located on Broadway Street) on Craigslist.org who goes by several different names (Amin Khan, Mohammed Khan, etc.) and he rented out a place to me (this place was literally 460 square feet and he was charging me $1100 a month) but it was all I could find and even though it was going to be tough paying for it, I agreed and began renting from this guy. After about a month or so, the owner of the condo began to pressure me into buying the condo or fear eviction with empty statements that he had 15 buyers that would close on it but he liked me so he would let me have the first crack at it (of course). So he allowed me to rent - to - own the condo and he had told me he would put all of the rent I paid him towards my initial down-payment of the condo.

So not earning enough money to afford the huge deposit on another apartment I felt like I had no choice but to entertain this offer from him.

So after a month of falling short on my rent, he finally pressured me to start the paperwork very early on buying the condo from him so, naturally, I did just that.

Here is what the purchasing process detailed:

I met w/ the general manager of First Alliance Home Mortgage, William Fort who manages the Bayonne, NJ branch. We began the paperwork to purchase. He ran a credit check on both myself and my fiancee, we both had bad credit and no assets so the reports did not look too good naturally.

Then comes in the process managed by Bill Fort for the paperwork...

Bill and Amin Khan (the owner of Jersey Carpet located on Braodway street in Bayonne, NJ) made some pretty dubious statements about my fiancee's work history... they reported to their bank that she had worked at his carpet store for 2 years to give her a long history of sustained work with reliable liveable wages (keep in mind, I had no idea who these to guys were 2 months ago neither did my fiancee) so the bank would process the loan. Bill Fort and Amin Khan also arranged for a paid off appraiser (who they both knew who they had stated works with them all the time) to come in and appraise the value of the $80,000 true market condo at a little over $200,000. They also somehow tried to trick the title search of the condo into not showing over $50,000 of leins (consisting of back property taxes, the monthly condo fees from the condo association and the lack of payments on just about everything else). The only way I knew is because the president of the condo association called me and told me that I crazy for buying a condo with all these leins on it and she would not release the deed, etc. without our express permission so naturally we said no and she did not release it.

So I called both Bill Fort and amin Khan and told them there is no way we were going to sign off on this because it would destory us financially and legally.

I got a fax at my office at the time from Bill Fort and Amin Khan with my fiancee's signature forged on the document and they were requesting that I sign it so they could process the loan with their bank.

The thing that drives me crazy is the fact that even though I reported all the illegal things these guys have done (and at the time, Amin Khan and Bill Fort assured me that they've done these types of illicit deals with at least 20 other buyers in the past) to the NJ state Attorney General and I met with two detectives at the Supreme Court Building in Jersey City, NJ, nothing was EVER done about it. These two have single handedly defrauded US Bank of millions and millions of dollars and they've broken numerous federal and state laws going about the process of buying cheap, foreclosed properties, never paying the bills, paying off appraisers to overly assess property values on these cheap properties and then selling them and ruining people's credit histories and financial futures, fixing deals and taking part in very agressive predatory lending practices.

PLEASE SOMEONE PUT THESE TWO GUYS IN JAIL, IT'S INDIVIDUALS LIKE THIS THAT ARE RUINING THE BANKING AND LOAN SYSTEM WE HAVE SET UP IN OUR COUNTRY.

I WILL PERSONALLY TESTIFY IN COURT, I WILL GO ON A TELEVISED INTERVIEW, I STILL HAVE ALL OF THE DOCUMENTATION PROVING MY CLAIMS. IF NO ONE STOPS THESE TWO THEY WILL CONTINUE TO RIP OFF THE US GOVERNMENT AND THEY WILL RUIN PEOPLE'S LIVES... PLEASE SOMEONE HELP DO THEM JUSTICE...

THIS IS A PRIME EXAMPLE OF MORTGAGE AND IDENTITY FRAUD AND AT THE EXPENSE OF INNOCENT PEOPLE THESE TWO AND THEIR COHORTS HAVE GARNERED MILLIONS OF DOLLARS...

Gamal

Clifton Park, New York

U.S.A.