Hud Fha
Hud corruption fraud tricked and lied to us

— Original Message
From: Billie
To: Vice-president Richard Cheney ; TX. Atty gen. - Greg Abbott ; Senator Kay Bailey Hutchisonable Senator Hutchison ; President George W. Bush ; Comm. Of Gov. Affairs
Cc: Mary Vinson - O.A.G. ; Carisa - CBS
Sent: Tuesday, June 24 8:51 PM
Subject: Fraud within the HUD organization

I am sickened by the fact of the fraud, corruption, and bribery... That I am now aware of (and have proof of), within the HUD organization / and of the "good ol' boy - bought & paid for" environment, within the whole housing industry... Which includes, but is not limited to, giving huge political contributions (bribes) to political entities/parties. - for them to "look the other way" in matters dealing with consumer protection.

I, and my "associates", have done our homework, and continue to do so. I hope that one day, ALL consumers will know the truth.

Fortunately, it is becoming widely-known.

For some odd reason, Congress (the Senate; the "Committee of Government Reform", and various other branches) do not seem to notice that HUD is even lying to THEM, within our own government, about "what is being done in the HUD program, and what they are doing to "improve" the statistics of fraud, within the FHA program." (Fraudulent Property Flipping; Predatory Lending; Crooked entities; etc.)

They are only telling you what you want to hear. There are definitely major problems, within the HUD organization.

Consumers are starting to realize, what is going on within the HUD organization, and they are not pleased. Our tax dollars are being wasted. (Partly on "bribes". - I am sure you are very familiar with what I am speaking of here.)

Such as the high-ranking HUD official, who was apprehended for accepting an $80,000 bribe another bribe of a brand new Ferrari car. This high-ranking official was involved in an illegal "Predatory Lending" scheme himself! (This case has been proven, and is on the record.)

Not only is fraud, corruption, and bribery rampant within the HUD organization, but it is a proven fact...
That "whistleblowers" within the HUD organization, are usually first demoted, to a lower rank/lower paying job - and soon after, they are fired for "untrue, trumped up charges". (This has also been proven.)

Some of these whistleblowers were only months - 1 year from their retirement, and HUD took that away from them too.

There are also thousands, and thousands (at least), of homebuyers who are now living in deficient houses - ALL because of fraudulent activities that have passed through the FHA program.

Not only is the HUD advertising/motto "the American Dream of Homeownerhsip" a deceptive lie, which should instead say, "The Ultimate Nightmare in the U.S.A."... But HUD is also deceiving consumers by making them think that such things as the HUD "Lender Accountability", and the HUD "Homebuyer Protection Plan" will cover the consumers, "due to bad appraisals, repairs not being done before closing, the house being overvalued"... When in FACT, HUD, and HUD employees, are not "enforcing" their own regulations. (Which can be PROVEN)

First HUD "allows" these fraudulent activities, and then HUD "allows" the fraudulent activities to persist, because they are not "enforcing" anything in these fraudulent cases. (And that can be proven.)

HUD employees are also well-known for doing the following:
After a homebuyer proves to HUD that fraudulent activities were involved in their cases, (and HUD's own investigation proves that fact), the HUD employees are then telling the consumers they are giving the crooked builder, crooked appraiser, crooked inspector, or crooked lender... A "Limited Denial of Participation." (LPD) It is then found out later, that the HUD employee did not even send the necessary paperwork to the HUD office in Washington, D.C., for this so-called "sanction" to be carried through.

HUD / HUD employees do nothing but lie to consumers.
(From what we now know, there are MANY of us who would state that the facts stated above are true, and accurate... in a court of law, and would state many other facts as well.)

There is also no regulating/enforcment of HUD, by our government. For if there was... These scenerios would not continue, and would not continue in such a persistent manner.

Why is all of this fraud, corruption, and bribery happening? Because of MONEY. Why is nothing being enforced? Because of MONEY. Why is HUD being "allowed" to continue their fraud and corruption? Because of MONEY.

"The Federal Housing Administration (FHA) was established in 1934 to help the market after the Great Depression. Today, FHA helps borrowers with low-to-moderate-income purchase homes with low down payments The Department of Housing and Urban Development (HUD) authorizes FHA to insure lenders against foreclosure losses. The "mortgage insurance premium" collected from the borrower on each loan helps defray costs associated with this program."

Are we to think that these fraudulent activities have been going on since 1934? And isn't it plain to see why so many crooked lending companies are behind the crooked appraisals, crooked inspections, and working with the crooked builders? It is because the lending companies get their money from FHA, even if the home buyers of these deficient houses have to foreclose ("due to non-disclosure" of the deficiencies of the house, by the crooked appraisers, crooked inspectors, and crooked lending companies." / and the repair costs to fix the houses - which are even more than what they paid for the house, or what the house will ever be worth.)
The whole thing is a "Racketeering" circus act.

HUD also hides these cases from Congress.
(It has been stated by others, that documentation and proof of these cases end up in the shredder.)

Lending companies are also hiding the facts of these cases, from the proper authorities. Why? Because the lending companies are IN on the whole thing.

These crooked lending companies are also involved in selling, and reselling, the mortgages of these deficient houses, to other lending companies - without disclosures of any kind: that the houses are majorly deficient; and that the home buyers have already filed formal complaints about these houses, and the fraudulent activities that were involved.

This in itself, is also against the law. Not ONLY are they ripping off home buyers, but they are also ripping off the honest lending companies.

Many, many consumers... Are starting to holler that "it is time for HUD to go". If you have not noticed this, then either:

1. You are not noticing anything - the same way you are not noticing fraudulent activities within the HUD organization.
2. You are accepting bribes yourself.
3. You have a relative who works within the housing industry.
4. You just don't give a damn about consumers

In my own case: It has now been PROVEN, that our house was involved in a "Fraudulent Property Flipping" scheme.
The sellers, the "HUD approved" lender, the "HUD approved appraiser", the "HUD approved" inspector, and HUD's non-enforcement of their own regulations, ALL played a part in the illegal activities.

Our house has many major deficiencies. (A quick example would be: On the day of closing, the house did not have working electricity in 1/2 of the house; the central heating unit was duct-taped together, had exposed wiring, and did not work.
The commode would not even flush... And the list goes on and on.
Which also includes lead-based paint, on the exterior and interior of the house.)

We had to give $58,000, for a house that is not worth over $17,000 - $20,000, and repair estimates state: $95,094.71, "to bring the house up to minumum living standards."

HUD (FHA), and the fraudulent parties that HUD "allows" to participate within the FHA program, have ruined our lives, and the lives of thousands and thousands (at least) of other consumers. (In all states.)

(Note: It has been found, in previous court cases, that:
"Not only does a lending company, appraiser, and inspector have copability to FHA, but THEY ALSO HAVE COPABILITY TO THE BUYER."

HUD / (HUD EMPLOYEES) ALSO HAS A RESPONSIBILITY TO CONSUMERS: To be truthful; To enforce against fraudulent activities. (And there is NO excuse for not enforcing, when HUD KNOWS fraudulent activities have, indeed, been involved.)

Original Message
From: Billie
To: HUD Secretary Mel Martinez ; HUD Inspector General - Kenneth Donohue
Cc: Nancy Seats - HADD Pres. ; Mr. Wilkirson
Sent: Tuesday, June 24 8:25 PM
Subject: Fw: have our house payments been found yet

Specifically TO: Kenneth Donohue
Specifically TO: Mel Martinez

RE: "Misplaced" mortgage payments; and Fraud within the HUD/FHA program.

Not only have we been defrauded out of $58,000 on this deficient house (over $110,000 over the life-term of the loan), but we are still getting ripped-off to this day.

Chase, and MortgageIT, cannot seem to find what they did with our April & May mortgage payments.

I have shown Chase & MortgageIT a copy of my "Delivery Confirmation", where the postman delivered the money to the Chase mailing address. (It was scanned into the postman's computer scanner, when he delivered it.) I also had that verified.

Although we have proof (& also copies of our money orders) where we paid it... These mortgage companies need to get there _ _ _ _ together because we have had enough of this crap.

That, and the fact that HUD has not enforced this "Fraudulent Propertly Flipping" scheme, has left our lives in a state of turmoil, and we are living in a nightmare.

I recently received information, that HUD employees are known for sitting there cracking jokes and laughing, about home buyers who are living in deficient houses; have had things ripped-off from their houses before moving in after closing; and other similar scenerios. I have also had the pleasure of speaking personally, to some former HUD employees... Who are no longer with "the Department".

These facts, and the fact that HUD has refused to enforce our own fraudulent case / and enforce their own regulations, sickens me.

It has also come to my attention recently, (and has been stated by others) that there is much fraud, corruption, and bribery going on within the HUD organization. I wait for the day, that all of these facts come out in the public's eye - so that they can see what is really going on within the HUD organization... And see what their tax-paying dollars are being used for ("not being used for".)

Thank you,

Billie M. & Hubert E. Teague

Original Message
From: Billie
To: Vance Morris - Director of Single Familiy - HUD
Sent: Tuesday, June 24 8:05 PM
Subject: Fw: have our house payments been found yet

Original Message
From: Billie
TO: Jonathan Foxx - Mortgageit, Vice-President
To: Larry Lewis - Mortgageit, Chief of Operations
Cc: Rosemary Hesse - Chase Manhattan Mortgage Co.
Sent: Tuesday, June 24 3:31 PM
Subject: have our house payments been found yet

TO: MortgageIT
TO: Chase Manhattan Mortgage Co.
FROM: Billie M. & Hubert E. Teague
RE: Missing/Unposted April & May Mortgage Payments

Hello.

We are wondering if you have found out about the posting of our April & May mortgage payments yet.

We are worried about this, as we now have over $1300 of our money somehow "missing".

Not only did Chase make MIT Lending Co., Dallas, TX. / Mortgageit "buy back" the mortgage, due to non-disclosure of the deficiency of the house, and of our complaints... But NOW we have to put up with this, as well. We have had enough of this mess.

I have also now written a letter to "Homecomings Financial", the "new" lending company (that Mortgageit has now sold the mortgage to - 3 weeks after having to "buy it back")... To see if THEY are aware of the the deficient nature of the house, and of our complaints. (As you are aware, Mortgageit has stated to us that, "Yes, we made all disclosures to Homecomings Financial, about the condition of the house, and of your complaints.")

I'm sure, that Mortgageit also did not disclose the facts to the new lenders, either.

We also have never gotten a "Hello" letter from our "new" lenders, so at this point in time... We do not even know WHO our lenders are, anymore. We also do not know WHO cashed our money orders, for our April and May mortgage payments.

I suppose I will now have to get a tracer put on those.

This house closed on August 14, and we have been living a nightmare ever since. There is just no end to it, is there...

Thank you,

Billie M. & Hubert E. Teague

Company: Hud Fha
Country: USA
State: District of Columbia
City: Washington
Address: 451 7th Street SW, Room 10000
Phone: 2027080417

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