Complaint / Review
World Savings Bank, F.S.B
Loan Modification deception fraud and professional negligent in reference to single family residence

First Cause of Action
World Savings loan modification department phoned Eric M July offering a loan modification to lower the payment approximately $300.00 per month by lowering the Neg-Am interest rate portion of the loan. World Savings charged Eric M through his Wells Fargo's Visa credit card $250.00 to complete this transaction (Exhibit A). World Savings mailed the Modification loan papers (Exhibit A) to Eric M Via Fed Ex. Eric M within 3 days complied by signing and notarizing then mailed them back to World Savings using their self addressed envelope. The loan modification did not take place. Eric M noticed the payment was the same the following months Due for September and immediately contacted the modification loan department at the end of August.

On August 29th World Savings mailed conformation papers to Eric M. Eric M confirmed with World Savings it was ok to modify the loan (World Savings Conformation Exhibit B). Eric M made phone calls to the World savings loan modification department from August to December and the loan was never modified as confirmed and or as promised. Eric M discussed this issue for the last time in December as no more payments will be sent till the loan modification is completed. July 30th the front door was posted for auction sale on August 14 without prior notification
.
Second Cause of Action
The proceedings to sell a residence without notifying the owner are unlawful. Selling Eric M Residence through Golden West Savings Association Services (Exhibit C) with errors on the loan is professional negligent. Failing to resolve previous commitments as promised is requested of the courts to stop all transactions such as sale or any change of ownership till the trial set date therein.

Third Cause of Action
Eric M is seeking punitive damages exceeding $25,000 for his pain and suffering. Eric M has a family which are victimized and are facing being without shelter do the errors on the loan. Since foreclosed on October 22 regardless of Lawsuit Case number 617910 in Stanislaus County Courts Modesto California.