My house is in the redemption period which runs until May 8. They bought my house on Nov. 8. We were never notified of a Sheriff's sale. They say they sent it certified, yet we never got it. The bank, Countrywide, said it was sent! I am going to ask for a copy of the card that had to be signed by my husband. He did not get a certified letter nor did he sign a card.
This company is going across the US and buying up foreclosed property and then turning around and sueing the home owners for the full amount owed the bank. I have been checking them out on my computer. I could not believe how many law suits have been filed against MERS for fraudulent practices, i.E., like not notifying home owners of sales, etc.
I can't prove it yet, but MERS is somehow connected with at least Countrywide and there could be more banks but my sight is limited and I could only read so many and there were a lot of cases where judges have found them to have obtained the property illegally. There are class action suits against them. I am still looking for more proof because that is how they got my house.
We were never served with a notice of Sheriff's sale. We were never notified we were in foreclosure until we sent a check to Countrywide for over $1,800, $1,100 for our November payment and the other $700.00 to go towards what was still owing. Countrywide sent the check back at the end of November with a letter stating that we were in foreclosure. They didn't bother to mention that the house had already been sold on 11-8. Why would they not have mentioned this. What reason could they have for concealing the fact that our house had been on 11-8. Maybe because they did not send anything to us.
My thinking is that MERS and Countrywide are pulling a large skam on the US. I believe one company may own the other company. MERS being the owner in my opinion because of all of the lawsuits that I discovered while doing some research on the internet. I am not done with them. I want to take both Countrywide and MERS down. I want them to feel the way people are feeling with the way they fraudulently stole their homes and then turn around and sues the home owners for the full amount of the debt. Most of the cases were found in favor of the home owner because the judges looked over the paperwork and found out they had been doing things illegally.
I shall continue my research until I can get back at both Countrywide and MERS. Somebody has to do it, so why not me.
We did fall behind in payments but 2007 was a very bad year for us. We had several hardships that the bank doesn't care about. My husband's daughter died in June from cancer. My husband is a Disabled Vietnam Veteran who is having a lot of problems from the agent orange our government sprayed on everything in Vietnam. I am a victim of Multiple Sclerosis. I was diagnosed over 30 years ago. I have been blind and I have been paralyzed, but I fought like hell to get back what I lost. Now I have found out what the problem is with my vision. The optic nerves in both eyes are detaching and I have holes in my eyesight. Not to mention the pain that I suffer through every single day of my life.
I was a single mother at 19 and then I was diagnosed with MS when I was 24. What a wonderful start I had on adulthood. It has not been easy living with this disease, but its my burden in life. I try to keep a positive attitude, but because of what Countrywide and MERS are doing to me, I am having another exacerbation. The last exacerbation was last year when I was going through financial difficulties.
Lastly, my dog died in August. I know most people don't consider them part of the family, but she was my baby. She had been at the vet's office because she became ill, they kept her overnight and released her the next day. We went to bed that night and she was still alive, but when I awoke I found her dead beside me. That was a horrible day.
But, I'm still here and I don't know why. I think it is because someone needs to take Countrywide and MERS down and I elected myself because they have made me so mad. I do not like there smug attitude.
Naomi
Petoskey, Michigan
U.S.A.
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