- Report: #420945
Complaint Review: First Franklin Loan Services / Home Loan Services / Merrill Lynch - Pittsburgh Pennsylvania
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First Franklin Loan Services / Home Loan Services / Merrill Lynch
150 Allegheny Center Mall Pittsburgh, 15212 Pennsylvania, U.S.A.
Phone:
800-346-64378
Web:
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First Franklin Loan Services / Home Loan Services / Bank Of America Lie deception harassing phone calls false promises faked concerne Pittsburgh Pennsylvania
For three months I have been trying to renegotiate before my arm came due. In said time I have been told "they don't renegotiate", been offered another ARM (but they said the term was not an arm), been told I won't qualify because I make too little to cover my bills then a month later told I have in excess of 2K a month left over and "would be able to afford a rate increase" (no new figures give and never in writing just aked to give quick numbers one day when they called when I was mowing the grass), and every time told not to hire someone or no need too once I did to renegotiate.
This is nothing new to what people have seen here before. Now the latest tactic was what i have seen done to another self employed person. Offering to help based upon income vs. bill ratio. False hopes. I beleive the bait and switch and push people to the top of thier arm caps, mine 12%. Once there forclose and get the quick monies, better to bleed people dry then label them as a "toxic asset" then sell the loss off to the tax payer. Since this company is owned by bank of america one has to wonder really why would they attempt to help people stay in thier homes, I have repeatidly told them I want to retire here and would love a fixed 6+ mortgage, and what risk would they have with someone who has never missed a mortage payment and 700+ credit score.
Lastly, I was told yesterday I would need and attorney to get any records of our conversations once I learned they have everything in detail written down, dates and fairly detailed call history.The kicker, they have no idea why I have problems with them because they "help people all the time and have satisfied customers". I thought it was me till I found this site yesterday.
bob
Jacksonville, Florida
U.S.A.
This is nothing new to what people have seen here before. Now the latest tactic was what i have seen done to another self employed person. Offering to help based upon income vs. bill ratio. False hopes. I beleive the bait and switch and push people to the top of thier arm caps, mine 12%. Once there forclose and get the quick monies, better to bleed people dry then label them as a "toxic asset" then sell the loss off to the tax payer. Since this company is owned by bank of america one has to wonder really why would they attempt to help people stay in thier homes, I have repeatidly told them I want to retire here and would love a fixed 6+ mortgage, and what risk would they have with someone who has never missed a mortage payment and 700+ credit score.
Lastly, I was told yesterday I would need and attorney to get any records of our conversations once I learned they have everything in detail written down, dates and fairly detailed call history.The kicker, they have no idea why I have problems with them because they "help people all the time and have satisfied customers". I thought it was me till I found this site yesterday.
bob
Jacksonville, Florida
U.S.A.
1 Updates & Rebuttals
Karl
Highlands Ranch,Colorado,
U.S.A.
DOUBLE TROUBLE BUBBLE POEM
#2Consumer Comment
Fri, February 06, 2009
DOUBLE TROUBLE BUBBLE POEM Oh my gosh 'heavens to Betsy' Freddie and Fannie are in trouble The government has just taken over Looks like a big DOUBLE BUBBLE! Since when can the government manage They're no better than my friend, Barney Rubble Just watch all the problems from here Looks like a big DOUBLE BUBBLE! Foreclosures will continue to happen The market will keep going low Looks like a DOUBLE TROUBLE BUBBLE Where's that guy with the gum- BAZOOKA JOE? Seems as though Lehman's having problems At first it was only Bear Stearns Looks like a big DOUBLE BUBBLE Run to the forest with the pines & the ferns! He saw it coming in July of '07 It was filed over at Ripoff Report Now it's a big DOUBLE BUBBLE And Cuomo is taking them to court. But now it's a little too late Most of the money is no longer there Looks like a big DOUBLE BUBBLE It's ashame that NO ONE did care!!! The Americans will be the big losers The ones who wake-up right at dawn Looks like a big DOUBLE BUBBLE And some of their RETIREMENTS are GONE!!!!! I guess that this poem is over I hope that you're all doing fine Looks like a big DOUBLE BUBBLE It should POP by early 2009! End. 'DOUBLE TROUBLE BUBBLE POEM' was posted last year in the comments section of the BusinessWeek Article entitled- A CREDIT CARD YOU WANT TO TOSS (you can 'Google' it!). Also 'Google' this- RIP OFF REPORT TOYOTA MOTOR CORPORATION USA MANIPULATION, and go to the 'Update' entitled- 'SUGGESTION' to read how it was posted here at Ripoff Report. (Quote: 'Just watch what happens to all those 401K's in the next few years. And watch how the Dow Jones Adjusts too.' (end) 7-16-2007) This entire MORTGAGE MESS was PLANNED, in my opinion. Watch the documentary on the web entitled- AMERICA: FREEDOM TO FASCISM (you can 'Google' it!) and you might be able to figure out who planned this CATASTROPHE!!! SPEAK-OUT on the WORLDWIDE WEB! POWER TO THE PEOPLE P.S. Bob, E-mail your story, & your Ripoff Report to- Jim Lehrer at 'The News Hour with Jim Lehrer' at the PBS website. Paul Kangas & Susie Gharib at 'Nightly Business Report' at the PBS website. 'The BBC Worldwide News' at the PBS website. And send your story to: President Barack Obama 1600 Pennsylvania Ave. Washington, D.C. Thank you.
