On May Paula Stitt in the Citifinancial workplace in Colonie Ny approached my spouse Georgianne providing to refinance our home equity mortgage it had been to become 'on-US, no-closing fees' included in a person understanding strategy. We chose to do the refinancing and had our final on July 8. We quit considering it had been a completed deal.
Then on July 21 Paula stated she could not deliver the mortgage benefit check as she was obtaining various benefit amounts from Texas. My spouse needed to contact to obtain the benefit sum, she named 3 times and got an amount of $114,457.60 that was shipped on July 4 by Paula Stitt, it had been shipped overnite advantages. There is a life-insurance mounted on the mortgage which directly after we contacted by having an attorney recommended us to not spend because it was in a-class action fit and could be looked after from the courtroom.
On August 8 my spouse named Citifinancial in Irving, Tx and was informed the mortgage was compensated entirely and we'd be obtaining a overpayment check of $275.16 in thirty days. Then we obtained a declaration from their website efficient 8/21/03 having a $0 stability $0 cost due, and outlined as 'paid'. On August 27 Georgianne got a phone from Paula Stitt warning her that the Kristina Parker from Florida could be calling her.
While my spouse got the phone call Parker informed her that people still owed $10,867.20 on our previous bill, she did not say what it had been just for to pay for it or they'dnot launch our home. On the phone to Tx on 8/29/03 my spouse talked to some Keisha G. Who informed her our $275.16 overpayment would be reproduced to the insurance account, which the problem would be switched to a supervisor for evaluation, I'd prefer to include that by that point the class-action suit have been resolved in courtroom plus they were not designed to get anymore funds for that insurance, additionally we never noticed in the supervisor who had been designed to review the account.
My spouse wrote to Parker on September 15 requesting her concerns concerning the cash we were informed we owed she also requested for copys of files. She was overlooked by Parker, we did not obtain a answer the notice, just more risks. They currently choose to go to Citi getting appropriate action. She also published to Ofelia Flores in Tx asking questions about our consideration. These concerns were also overlooked.
We approached the NYS Attorney Generals office, NYS Banking Division, FTC Bureau of Consumer-Protection. The only real aid we obtained was in the Attorneygeneral's workplace who recommended us we ought to obtain a lawyer. We also discovered living insurance plan these were attempting to gather on was ended effective August 4, a couple of days before Citifinancial in Arizona obtained our benefit check.
On December 3 we employed lawyer Warren Redlich to represent us. He published letters requesting them to examine our documents simply because they had created an error, but just like our characters he obtained no reaction from their website. Subsequently on April 29 we obtained foreclosure documents, my wife, boy, daughter, and that I every got one, then on May 1 we obtained three more by email for my wife, daughter, and myself. Soon after getting the foreclosure documents they'd the nerve to provide to pay for us $250.00 to buy our action instead of foreclosure.
Your lawyer was compelled to document a counter-suit against them to be able to conserve our house. Within the summer of 2004 our lawyer got a phone from the consultant of Citifinancial declaring they understand anything is incorrect and they'll examine. Many months later they finished their analysis and ignored the supposed debt and launched our home we did not get the established 'morsfaction' doc until January.
Returning towards the class action fit, which we were area of the course, we were designed to get a settlement quantity of $2,137.41, however in a notice dated January 28 they used it to the outstanding consideration, within the notice they'd our account amount that was our lod mortgage account not living insurance and we'd a declaration having a $0 stability. Once they solved the foreclosure we never got the class-action suit cash or even the overpayment the thieves do not feel they've to come back it.
Your counter-suit visited the Supreme Court in Albany, NYC so when our lawyer was two times overdue by having an expert witness affidavit the judge ignored our situation, I'd prefer to include that when the lawyer representing Citifinancial did wherever he must have ahd supports registered against him the judge declined our lawyers demand. We needed Parker and Flores disposed during depositions alternatively the judge informed our lawyer who he might remove at Citifinancial and had him travel to Tx to issue somebody who obviously did not understand something about our situation.
We submitted using the Courtroom of Appeals in Albany as well as were ignored by that courtroom. Were out possibly an overall total of approximately. $5,000.00, Citifinancial reaches leave clear as though they did nothing, we-don't actually get any solutions why we were set thru 5 years of nightmare. I truly have no idea who's worse in this instance, Citifinancial or even the Substantial and Appeals Courts in New York State.
I Have set grievances in on Judge Doyle of the Supreme Court using the Fee on Judicial Conduct as well as using the info we delivered which was ignored, I also plan to place in a about the five Appeals judges, but that'll even be dismissed as you of the judges I'm placing the criticism in on is about the Fee on Judicial Conduct, nothing beats only a little turmoil of curiosity about NYS.
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