Sherrif's Sale

[tobee43]

Well for me I'm done with Chase as the mortgage was discharged in February, I moved out just before the Trustee Sale 9/17/2010 (Sheriff Sale) and now the property is out of my name... yeah, no more utilities and homeowners insurance for that place! They (Chase) will NOT get $107,000 for the place with the amount of work it needs, new roof, paint, HVAC system and electrical, termites and cracked garage floor! Considering all the resent sales in the neighborhood were $50,000 or less and they needed less work done on them! I will keep you posted on the final sales price and how long it takes Chase to unload it from their foreclosure portfolio.

SP...please make sure and do....i can't wait to hear what they get for it!

[SPalin]

sp....make sure you let me know how you make out with old chase....

i, up into this point have known not a soul that has been able to work with them on a foreclosure situation...

we decided last week just give it up...we are 1700 a way from the property and the mortgage was discharged...i don't care if they keep our names on the deed...keep it for all i care!

Well for me I'm done with Chase as the mortgage was discharged in February, I moved out just before the Trustee Sale 9/17/2010 (Sheriff Sale) and now the property is out of my name... yeah, no more utilities and homeowners insurance for that place! They (Chase) will NOT get $107,000 for the place with the amount of work it needs, new roof, paint, HVAC system and electrical, termites and cracked garage floor! Considering all the resent sales in the neighborhood were $50,000 or less and they needed less work done on them! I will keep you posted on the final sales price and how long it takes Chase to unload it from their foreclosure portfolio.

[tobee43]

sp....make sure you let me know how you make out with old chase....

i, up into this point have known not a soul that has been able to work with them on a foreclosure situation...

we decided last week just give it up...we are 1700 a way from the property and the mortgage was discharged...i don't care if they keep our names on the deed...keep it for all i care!

[SPalin]

The house is on the market for $107,000.... no way is Chase going to get that! Oh well, living in a much better part of town and paying less for rent than just my mortgage payment! Got to love "awful Fresno"!

[tobee43]

SP oh..i know fresno...when i was a kid all it was was FARM land...no one was out there other than a few artichoke stands...LOL!!!


chase had me going in circles....after 30 years with them...i told them we are in trouble. they said the best we can do for you is let you miss this month but you have to pay double next month...ok...and like how will THAT help us??

next....(and for us it prior to any government plans being in effect)...the mod route...ok chase says we can consider you for loan mod, but you have to be late on your payments for at least 3 months.

next...we don't and can't even understand what a loan mod is....so how can we help you....

finally, the chase (which there were NO offices by us for over 60 miles) opens little offices to help with loan mods...we make an appointment...meet with a nice guy would now says we will not be able to most likely help us because of your job loss....go bk...that's what bk is for...i said NO...they submitted our application....

5 months later not a word.....

10 months later our financial situation changes for even the worse.....we reapply with chase mod program...guy is so sweet...caring and kind....says we should hear back in a few weeks....

oh...we heard back alright.. a foreclosure summons???!!! thanks chase for all the help..called my atty...he says you can't and shouldn't reaffirm.....lock it and leave...not me....can't do that...we .i called my good ole chase guy and he says you mean you are LEAVING??? don't do that??? you should have called me......excuse me? i GOT A SUMMONS....a legal instrument why would i call YOU IT CAME FOR YOU.......i did...you were supposed to get my loan mod thru...but instead you got my foreclosure summons thru....not very nice...he says chase wasn't suppose to do that...oh really? right

i told him one hand has no clue what the other's doing at chase...we had 30 days to get out and that's what we are doing. take the house....whewwww...what a world wind that was!!

so we are still on the deed...i'm working with one of these FAKE stimulus funded "suppose to help consumers NOT let the banks rip you off committees" to help us get our names off the deed and hand over a warranty deed and release....told to over 30 people at chase not a ONE knows what to do....this watchdog office of course has done absolutely NOTHING...except spend money paying themselves...what a mess.

sorry....just got me going with chase!!!

[SPalin]

I'm a native Californian too, born and raised in SoCa, but Fresno is truly the Appalachia of California! Most people here consider a High School education as higher learning, pay is low unless you work for the State??? or are a professional, Dr, lawyer or farmer and with unemployment at +14%, Chase will be siting with that house for a while as there are over 10 other foreclosures in my old neighborhood and the last two that sold were around $50,000! Couldn't happen to a better Bank, either! Got to love Chase

[tobee43]

LOL!!! OK...you got me...i'm born and raised in san fran...so calif was MUCH better than jersey....who the hell would EVER want to live there..

your point is well taken! NOW i know why!

[SPalin]

get out SP!!! our house although beautiful inside....there were just a few problems the bank had to deal with....like....

YOU mean...they didn't want the BLACK MOLD....the CRACKED foundation, the extensive yard work....the NEW FENCE cost which was over 10k....the ALL NEW PLUMBING that got frozen this past winter and now needs to be replayed....we heard someone got in and damaged the pool and hot tubs to no end......what NERVE of them not wanting MY house but wanting YOURS...i'm so insulted!!!....WAIT!!!! i forgot to mention the water table changed after the town changed the road in front of our home.........and now the water comes directly into: GUEST WHERE??? the HOUSE!!! and floods is at least 3 times a year!!!

you think that might have something to do with it..and why chase wouldn't even talk to me?? lol!!

Tobee maybe its because Chase's inventory of homes is below 5,000 in California and they needed another one! Oh, the previous owner sold me a great house that still has Black mold in both bathrooms, a cracked foundation due the redwood tree root system under the garage, termites in the master bedroom floor, plumbing and electric issues along with a dead HVAC system! But, from the street it looks good, or did since the yard has not been mowed in over a month!

Location, location, location but why in Fresno, CA!

[tobee43]

get out SP!!! our house although beautiful inside....there were just a few problems the bank had to deal with....like....

YOU mean...they didn't want the BLACK MOLD....the CRACKED foundation, the extensive yard work....the NEW FENCE cost which was over 10k....the ALL NEW PLUMBING that got frozen this past winter and now needs to be replayed....we heard someone got in and damaged the pool and hot tubs to no end......what NERVE of them not wanting MY house but wanting YOURS...i'm so insulted!!!....WAIT!!!! i forgot to mention the water table changed after the town changed the road in front of our home.........and now the water comes directly into: GUEST WHERE??? the HOUSE!!! and floods is at least 3 times a year!!!

you think that might have something to do with it..and why chase wouldn't even talk to me?? lol!!

[SPalin]

I guess they liked my house and wanted it back! I received the NOD May 17, 2010, moved out at the 90 day mark (August 17, 2010), received notice for Trustee Sale on August 27, 2010 that sale will happen at 10:30 AM on September 17, 2010 and they got it back!
Now, the new place I moved into has just been NOD'd (September 8th), so I will stay until the Trustee sale and see if they offer C4K's...

Of course I haven't made a payment since July 2009, as I had to be past due for the loan modification (per Chase loan officer) and then filed Ch7 in November as the modification was going no place!

[tobee43]

really SP??? when did you get served???? they served us back in 2009 and nothing absolutely NOTHING....

so how long from start to finish?? if you don't mind me asking...since i keep attempting to push them and they will not put it up? i don't get it?

[SPalin]

Finally found a site that had my sale information... and yes, it went back to Chase for $106,086.42, they should have taken my offer of $160,000 during the failed loan modification! With the current number of foreclosures in the area they will be lucky to get $60,000... oh, well at least I can now cancel the homeowners insurance and cut off the water!

[tobee43]

that's disappointing joe...we haven't gotten ONE notice as yet except the first summons...i checked our sheriff's sale site yesterday...we are NOT even on the darn list...shoot it's OVER 2 years...come on get over it!

i thought after our discharge they would do something. i'm still working on having them except a warranty deed...and release...but they nor the banks atty's will even respond..it's odd to me for certain. what good does it do them once the mortgage has been discharged to bogart the deed??

just foreclose already!

[ccsjoe]

You are only required to get the original Notice of Trustee Sale. The Trustee (recontrust) representing the lender has the authority to postpone the sale as many times as necessary for whatever reason up to the actual time of the auction itself. No new notice will be sent out indicating a postponement and new auction date.

[confident]

Correct. We didn't get a notification of any kind. In both cases I looked up our property on recontrust's website to find out if the sale was actually going through. You could also call the bank and verify.