Complaint Review: World Savings Bank - Westlake Village California

Of course I blamed you......you are responsible to take care of your own transactions....You spelled it all out. You used a broker didn't you? And if you did and you are in the business you should know they will charge you a rebate fee of up to 2%. The garbage fee's of what you speak are the lender fees, title fees, initial escrow impounds and odd days of interest....these are all normal. If you didn't want to pay the broker fees and rebates, DONT SIGN...again your fault for signing. You can request all documents from the lender and they are actually sent to you and given to you at closing. There should be no issue...as Pamela stated, you are bitter because you messed up and you are trying to blame someone else. An attorney will take you in to get consoltation fees but after that...good luck finding someone to file the case after you provide them with signed docs. This should be a lesson on refinancing....handle your own business don't leave it up to a 3rd party to do it.

Oh yeah, there are thousands. Most of them relate to disclosure. Everything EVERYTHING relating to this loan was in documented form and was accepted at close. There is no way that a lender the size of World savings could or would "rip you off". Your little loan and the $10,000 dollars you claim they "stole" is not worth their time or the possiblity of legal action. Will you contact an attorney about this? Probably. Will any attorney take this case after reviewing the HUD-1 and closing docs. Not a chance. You or your legal agent agreed to every term in the loan. It's all in writing, so quit wasting your time being mad and read the docs. Typically, the more pissed off a consumer, the more likely it's their own fault and they know it. Just don't want to admit it, huh?

Tim, which whom sent the rebutal is correct on every point! Escorws or impounds are set up at the time of closing, did you not review your HUD-1 settlement statement to insure they were listed? The tax amount is determined by the county in which you reside in, NOT WSB, so if the amount changes the lender must make up for it. In your own response you cleared up that the $10k, plus was in fees. Once again, you did review and sign the HUD-1 settlement statement, didn't you? Therefore you agreed to the fees being charged and nothing was "stolen" from you. Even if a power of attorney was used, the fees were agreed to. As far as the 30 day late, I could not have said it better then Tim. Perhaps, spending more time realizing your mistake is better spent then being bitter.

WHAT A CROCK!! READ THE REBUTTLE!! Blames me! They take my refi away from Carla Johnasson(our rep of now 3 years, who we purchased through and refi'd through previously. While in the hospital, DON SOLOMON CHIEF SWINDLER and BANK MANAGER "REDIRECTED" my refi "away from" Carla "TO" his Friend GENE HAYES, (Low Level Swindler), USED OLD APPLICATIONS AND FORGERY TO OBTAIN $10,010 comission on a refi. + charged another $5000 in GARBAGE FEES! $15,000 to do my refi as a 3 year repeat customer. I paid 1/4 point when I purchased the home, I paid a little over $3,500 TOTAL COSTS for my 1st refi which is about 1/4 point. I'm in the construction & Real Estate industry I know what they did, "They" know what they did. You crooks can sling all the boloney you like but the FACTS AND TRUTH is that you are a bunch of thieves and I have filed a complaint with the OTS including the provision of BAD DOC's!! CAN YOU SAY GOING TO JAIL??????????????????????? I'm going to nail you pissants and I have the paper trail and FORGED DOCUMENTS TO PROVE IT!!!!! Lorraine Vasquez WSB "IN HOUSE FRAUD INVESTIGATOR" SAYS: "she can not discuss the issue with me AND I will need to "SUBPEONA" other doc's!!!!! MY OWN DOC'S!! PERSON with rebuttle KNOWS NOTHING ABOUT THIS SITUATION, but tries to sound like he does. WSB starting to panic???? I HAVE PROOF AND THEY KNOW IT! NEXT STOP FBI!!

1. For your impound account of 3yrs. How is it that a lender profits from a free service. First things first...when a lender sets up and impound/escrow account the information is gathered from the title agency. That information is approximated from the county/city that you reside in. If you have had problems before than you should check with your county to make sure that the approximated amount will be enough to cover. Now if it is not enough and the lender covers it for you, it's still a free service...you aren't paying interest on it or fees, the only fees that you pay are penalties from the county/city if you decide not to do your part to make sure they are paid on time..so don't blame a lender for something that you are half responsible for. 2. There is no way that a lender can steel 10,000 from you. First of all , its their money, second it goes thru a title company for all transactions to make sure that there are no errors in the transfer of money. Your broker can not be switched with out you or the brokers knowledge; they have a contract with the lender. If you feel money was wrongly distributed you need to contact the title company and go over your HUD1 settlement statement from closing. 3. For your debit account, you may have requested one from your broker at closing but ther is no guaruntee that information gets to the lender. You would have to receive a confirmation from the lender and if you didn't, again, you hold responsibility for your own mortgage pmt. Did you not notice that the funds were not debited. Did it take 30 days to find out that it wasn't coming out of your account? Did you not call to make sure it was set up or to make the payment yourself. It seems like you neglected all responsibilty on your mortgage and just want to blame someone for your mistakes and lack of common sense. Now if you did not pay your mortgage the lender would not go under. There is insurance and they would forclose on your home, which means you move out, someone else buys it. Plus they are backed by the Feds for the funds they lend you. It's World Savings Federal Savings Bank.

1. For your impound account of 3yrs. How is it that a lender profits from a free service. First things first...when a lender sets up and impound/escrow account the information is gathered from the title agency. That information is approximated from the county/city that you reside in. If you have had problems before than you should check with your county to make sure that the approximated amount will be enough to cover. Now if it is not enough and the lender covers it for you, it's still a free service...you aren't paying interest on it or fees, the only fees that you pay are penalties from the county/city if you decide not to do your part to make sure they are paid on time..so don't blame a lender for something that you are half responsible for. 2. There is no way that a lender can steel 10,000 from you. First of all , its their money, second it goes thru a title company for all transactions to make sure that there are no errors in the transfer of money. Your broker can not be switched with out you or the brokers knowledge; they have a contract with the lender. If you feel money was wrongly distributed you need to contact the title company and go over your HUD1 settlement statement from closing. 3. For your debit account, you may have requested one from your broker at closing but ther is no guaruntee that information gets to the lender. You would have to receive a confirmation from the lender and if you didn't, again, you hold responsibility for your own mortgage pmt. Did you not notice that the funds were not debited. Did it take 30 days to find out that it wasn't coming out of your account? Did you not call to make sure it was set up or to make the payment yourself. It seems like you neglected all responsibilty on your mortgage and just want to blame someone for your mistakes and lack of common sense. Now if you did not pay your mortgage the lender would not go under. There is insurance and they would forclose on your home, which means you move out, someone else buys it. Plus they are backed by the Feds for the funds they lend you. It's World Savings Federal Savings Bank.