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buickestate
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PostSubject: hey Lorne the day has come   Wed Nov 17, 2010 10:41 pm

Lorne the day has come.....

Frank is selling

http://www.impalassforum.com/vBulletin/showthread.php?t=252375
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PostSubject: Re: hey Lorne the day has come   Wed Nov 17, 2010 11:09 pm


Dang...well..at least I got to play with it some and drive it around (under close supervision)! I could never afford it, but it is a sweet ride!

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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 12:48 am

That is SUCH a sharp one!! Wow!
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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 9:56 am

Now that is a beautiful BLACK wagon and worth every penny!But a 59000 mile black woody out of a private collection on ebay didnt make its reserve price
and the auction stopped at like $7700.Maybe now isnt the best time to sell such a beautiful wagon and expect it to bring 15 grand.If I had the 15 grand,
that beauty would be mine.
Just saying
Jim Gordon
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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 10:29 am

Jim, I don't think you understand Frank, he polished the INSIDE of the mufflers.

He took his car back to the tire shop 4 times because 1 tire was mounted 1 letter off!
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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 10:31 am

$15k = I guess I'll sell it, but only if you make me.
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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 10:34 am

Buying Lotto ticket now....
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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 10:56 am

81X11 wrote:
Buying Lotto ticket now....

VERY FUNNY................. Laughing

People are looking at me funny because I am chuckling to my self in a McDonalds!!!
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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 1:22 pm

BigBlackBeaSSt wrote:
81X11 wrote:
Buying Lotto ticket now....

VERY FUNNY................. Laughing

People are looking at me funny because I am chuckling to my self in a McDonalds!!!

are you sitting in the corner near the clown?
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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 10:23 pm

Well Frank and I have been back and forth for the past two weeks on this.

We spoke for another hour today,and it all boils down to this.

I can make mine into his,but his will never be my origional low mile unmolested wagon ever again.

I honestly feel my two cars are worth more than fifteen,and thats my business,but the market and lack of interest in these cars customized says otherwise.

He seriously wants me to have his car, I love it,I just feel I have the best of both with what I have,and still want to do more with my caprice.

Those who have been around long enough have heard me say consistantly,leave the roadmasters origional,and go wild with the chevys.

Franks car is similar to Stewarts roadmaster sedan,in that it doesn't get the full respect that it deserves. They both have a ton of mods but at the end of the day Buick never made the equivelant of an Impala SS.

Feel free to comment,I have the whole house here mad at me for thinking of trading my two,so I am pretty much used to it now.


Who honestly can say they see the difference externally from Franks?



Last weekend







Both parked for the winter



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PostSubject: Re: hey Lorne the day has come   Thu Nov 18, 2010 11:04 pm

I'm of the opinion that if you do that trade, you're a retard.

Granted, it won't be held against you and you'll be a retard with a very nice car - but a retard nonetheless.

Good luck, and we'll all be here when you annouce that you've caved boughten it outright and now have 3 black wagons.
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 12:54 am

Keep yours Lorne. I like your RMW interior color better. And love your cars in general.

And I agree....modify the Chevy all you want, but keep the Buick looking like a car GM "might" have actually made. Yours is gorgeous the way it is. ; )

Just my 2-cents!

-Mike
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 9:06 am

Lorne just do what makes you happy and dont worry about the rest.You of all people should know "life is to short"so follow your heart!!!!!!You have 2
beautiful black wagons and you are right about modding the chevy all you want and leave the RMW alone.
My 2 cents
Jim Gordon
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 11:18 am

I don't see why the Buicks are so "sacred". Hell - they made MORE of them.

To hell with all of that nonsense - modify whatever you want however you want. The era of collector cars is all but over unless you can afford a $100k+ vehicle. Everything else is mass produced. If you want it - get it.

That's my two cents.
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 12:37 pm

I wouldn't trade. You've put too much love into those cars. If the time comes that you don't feel it anymore, then you can get rid of them. Until that happens, keep them.
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 1:13 pm






Lorne you should consider insulating and drywalling that garage.......
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 1:23 pm

Lorne,

At the end of the day, it's your call and yours alone. But I'll agree with others that to trade your WB4 for this one isnt worth it. Both are gorgeous cars, but yours is really clean and well optioned not to mention the lower miles. I've seen pictures of both and there is something about yours that I like more. I think at the end of the day you will be happy with either car, but I think yours is a keeper.
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 2:01 pm

Lorne keep the ones you have and buy frank's for Jackie, then you can have a his'n'hers wagon thing
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 3:48 pm

Lorne, is one of those black wagons the car you bought from GN1220? I thought that part of the deal with him was that you would keep it low mileage, and that you would sell the car back to him if he wanted it.
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 4:55 pm

I've never seen a car deal that required the new owner to NOT drive the car.
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 6:43 pm

Thanks guys, I appreciate the opinions and your honesty.

For the record,and before Frank sees this thread,I really want to stress how much I respect his car. If not for his car I would never have believed these wagons could be datailed to such a level.

To those who have never witnessed it,you will never see anything underneath that will compare.

So It isn't really about comparison's here,he wins,plain and simple. The reason he wants me to have it is because I have the Funeral Home,and he sees me as being able to have both my wagons in one.

This is true,and I will spend more money on my caprice to not even come close to his but I just don't like a Buick modified. I like the Impala SS wagon from the GM collection,and once I get the T56 installed ,thats as close as I have seen cloned. Don't forget mine is a 1A2 and I would asume GM started with a similar platform.

I am fortunate that by having the cars registered to The FH, I personally don't have a penny in either of my wagons. So since this is a business decision my Funeral Home ,or any other that I know of,isn't in the market for a haevily modified wagon.

To answer your question Nick,yes this Buick was Mikes (GN1220). And although there is no written contract as Bewber said,the fact that I was going to use it for Funeral Processions,and never drive it in the rain,sure made Mike accept that his wagon was goiing to a good owner,and if he ever wants it back he has first refusal

I think I will put the origional wheels and wide whites on as I planned,remove the gs badging,and just do what I intended to when I bought it last year. What a beautiful smooth driving car it is.

If nothing else,this decision has made me stop and refllect on my two wagons and appreciate them even more.

All that reading deserves some pictures, I used it today one more time as it snowed here this afternoon. This was this morning.




Beautiful drive to the cemetery



Looks like I am being followed



I also have 2 female employees to consider when it comes to my cars. Although they don't drive the Buick often,there are times they do deliver flowers to the nursing homes and that would never happen with Franks.



And as Jim already said,it really won't matter someday what ever happens.

I couldn't believe Brent has been gone since 04, seems like it was yesterday.



Other relatives.




Thanks for all your input,I really do appreciate it. I probably wouldn't have the passion for these cars without this forum and the enjoyment I get by following your posts.

Thanks Pat for starting this thread, It has really helped.
I
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 8:25 pm

So Lorne, what does it take for an aspiring trade embalmer to get a job at your place just so I can drive the WB4? Wink
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 9:28 pm

Franks car is awesome,. drives nice,. but i think he's got it a tad over priced,.
blue interior,.definitely not for me,.
I,d be more interested in his moms dcm WB4

nICK
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 9:57 pm

ALL your cars are flat gorgeous Lorne....do what makes you happy with them.....and then send me the chrome Impala wheels. ; )

I will say this, if I had my choice of all the wagons I've seen, here and elsewhere, Frank's included, your black "GS" Roadmaster is my favorite by far, no kidding, bar none. I love the colors on yours, the emblems are perfect, the wheels are perfect, it really is gorgeous.

It perfectly follows my love of "GM could have made them that way" cars. It has low miles, has not been overly modded, but has been changed just enough to go from a really clean original car to something that stands out from the crowd.

Really good pics today too. Also, I'm not sure who Brent was, but sorry for your loss.

-Mike



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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 9:58 pm

Oh and it looks even better with the luggage rack rails removed...nice!
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 10:23 pm

Man, you do have some beautiful cars. I'm a bit envious.

Before we bought the RMW, we were considering getting a used hearse. We may yet do it, someday.
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 10:28 pm

Lorne if you ever have the time I'd love to hear about your "professional cars". I've always been kind of intrigued about how they modify them. Do the side windows roll down normally? The window frames and windshield are different....what are the covers on the lower A-pillars by the door mirrors.

Anyway just curious!

-Mike
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 10:53 pm

I think the real question here is, where did you get those wagon car covers?

And you're right. Who the Hell modifies a Buick wagon??? Morans. Wink
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 11:08 pm

81X11 wrote:
Oh and it looks even better with the luggage rack rails removed...nice!


Thanks Mike, you're a true car guy as we all know and the compliments are very much appreciated.

I really can't take the credit for the Buick, as we all know the other Mike (GN1220) is the one who really deserves it.

I think if I can get the Cluster in my chev,the 6 speed and gears , I will fall in love with it and have no regrets.



Nick Danger if you ever get serious for a hearse give me a call.









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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 11:17 pm

toomanytoyz wrote:
I think the real question here is, where did you get those wagon car covers?

And you're right. Who the Hell modifies a Buick wagon??? Morans. Wink


I instantly thought of you Bill when I said that about Buicks.

It sounds bad I know,and what I mean is ones that are in prestine condition, I love the luxury of a Buick.

The car covers are gifts from employees . I would have to find out where they got them. The blue one is not a custom fit.

The other one was ordered for a 95,since they took the year from the registration. They never realized I have the 91 mirrors and it never fit rite,so I now have it on the Buick.

You know I like yours,It is the interior color that counts cherry
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PostSubject: Re: hey Lorne the day has come   Fri Nov 19, 2010 11:46 pm

Great Pics!
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PostSubject: Re: hey Lorne the day has come   Sat Nov 20, 2010 11:37 am

To any doubting Thomases out there, these cars are even better in real life than the pictures, if thats possible. The Roady is probably cleaner now than the day it was sitting on the showroom floor. Absolutely stunning. The work that went into that car is not only obvious, but goes so far beyond the accepted norm that it establishes a new benchmark.

The rest of the fleet speaks for itself. One must understand that Lorne lives in the rust belt and to be able to keep his cars as well detailed as he does is a true testament to Lorne's love of these cars. Who else do you know that can operate his business on a fleet of cars that are 14 to 19 years old? This is not an easy task. His competition has cars 1/2 the age and they are already rust buckets.

If you ever find yourself in the Maritime Provinces, make it a point to take a trip to Miramichi, if only to see Lorne's cars. A more gratious host you will not find and he is always willing to show off his fleet. Just give him a couple of days notice. He does afterall work 7 days a week.

Lorne, keep the Roady the way it ws intended. Molesting this car would be a travesty. The Chevy is a much better platform for the adreneline rush.

Bill
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PostSubject: Re: hey Lorne the day has come   Sat Nov 20, 2010 1:42 pm

convert2diesel wrote:
To any doubting Thomases out there, these cars are even better in real life than the pictures, if thats possible. The Roady is probably cleaner now than the day it was sitting on the showroom floor. Absolutely stunning. The work that went into that car is not only obvious, but goes so far beyond the accepted norm that it establishes a new benchmark.

The rest of the fleet speaks for itself. One must understand that Lorne lives in the rust belt and to be able to keep his cars as well detailed as he does is a true testament to Lorne's love of these cars. Who else do you know that can operate his business on a fleet of cars that are 14 to 19 years old? This is not an easy task. His competition has cars 1/2 the age and they are already rust buckets.

If you ever find yourself in the Maritime Provinces, make it a point to take a trip to Miramichi, if only to see Lorne's cars. A more gratious host you will not find and he is always willing to show off his fleet. Just give him a couple of days notice. He does afterall work 7 days a week.

Lorne, keep the Roady the way it ws intended. Molesting this car would be a travesty. The Chevy is a much better platform for the adreneline rush.

Bill

Thanks Bill, You and Carol can Move home anytime. Heck bring your Sister too!

See my new thread for how the weather can change here overnite.

My plan is to do Woodward next Summer,and that means we wil be making the return visit since I will be going VIA Ontario.

Pat,Nick,Derek,Jayoldschool, and others I am forgetting,beware.
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PostSubject: Re: hey Lorne the day has come   Sat Nov 20, 2010 4:21 pm

You guys are always welcome. Give us a couple of days warning and we'll try to put something together.

Bill
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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 12:24 am

Lorne, you had me worried there for a minute! I do love Frank's car too but honestly feel the tan interior is much better suited to the black than the blue interior. Of course, I am a little bit biased here. At the end of the day it is your car to do with as you please. I would love to see it in your stable 10-20 years from now looking just as it does now but I know things change. I would love to buy it back if you ever decide to sell it but I honestly don't see life swinging in my favor anytime soon. I just sold the Grand National and the house might be next as the wife is talking about a divorce. I swear, just when you think you can't sink any lower.........
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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 8:53 am

GN1220 wrote:
Lorne, you had me worried there for a minute! I do love Frank's car too but honestly feel the tan interior is much better suited to the black than the blue interior. Of course, I am a little bit biased here. At the end of the day it is your car to do with as you please. I would love to see it in your stable 10-20 years from now looking just as it does now but I know things change. I would love to buy it back if you ever decide to sell it but I honestly don't see life swinging in my favor anytime soon. I just sold the Grand National and the house might be next as the wife is talking about a divorce. I swear, just when you think you can't sink any lower.........

Chin up kid,. sometimes a divorce is a new lease on life,.


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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 10:01 am

Lorne the gifts of car covers from your employees says a great deal about what kind of Boss you are.They put a lot of thought into these gifts and that says they care a great deal about you.They could have ordered a generic off the shelf car cover but instead took the time to order a custom made cover for you.Maybe I should have said what kind of human you are instead of what kind of boss you are.
GN1220 I am sorry to hear about the sale of your beloved Grand National and the possibility of a divorce in your future.Each relationship is unique but
personally I would have sold the wife and kept the Grand National,but thats just me.Hope things start looking up for you.
Take Care All
Jim Gordon
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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 10:58 am

Jim I hear they frown upon selling wives here in the US. Not sure why - it'd do wonders for tax revenue. LOL
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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 12:41 pm

Stingroo wrote:
Jim I hear they frown upon selling wives here in the US. Not sure why - it'd do wonders for tax revenue. LOL


But killing them seems to be understood. Just ask O.J. Very Happy

I had to sell the GN and a bunch of other stuff and borrow some money to save my house. I have a mortgage with Chase and 1 1/2 years ago we signed up for their Mortgage Modification program which was supposed to reduce my house payment by $300 a month, which really helped out when I lost all of my overtime and my wife's hours were cut too. Well, fast forward to August of this year and I get a foreclosure notice from Chase saying I hadn't made a payment in a year and a half and I needed $24,000 to bring my loan current. WTF! So after buying a recording device to record every conversation with Chase and their lawyers, spending hours on the phone every day with these crooks it all came down to either pay the money or my house was going to be sold on the courthouse steps the 18th of November. But keep in mind, I was on the phone with Chase every couple months to check on the status of our Mod. and was assured everything was current, everything was filled out but they were just back-logged with thousands of cases. Also, they still can't tell me where my money went that we were paying this whole time. They can't even explain where the $24,000 figure comes from because the math doesn't add up, going by our payment, late fees they say we now owe, and the time they say we didn't pay.

It's hard to spill all of this info because it's it's embarrassing. Really feel like I've been beat down to nothing, watching all of the things I've worked so hard for just go away in an attempt to give the money to Chase, knowing full well we are right on this. But they won't hear any of it so I guess it's time to get a lawyer. Now my wife says she's had enough, I didn't turn into the man she thought, blah, blah. I really hate to sell my house and watch my family seperate but at what point do you just say "enough?" I'm just tired.

Hope you guys are all doing well Surprised
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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 1:34 pm

Don't be embarrassed. It could happen to any of us. I wish you and your family the best of luck getting through it. I know our household has had some rough moments like that in the past too. Just part of life, it'll turn around. Smile
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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 2:36 pm

Mike don't you dare let the Big Corporate thugs ruin you. I have a Brother in law who is a Lawyer who has taught me the meaning of survuival,and I was like you ,they prey on the honest,hard working people who will not put up a fight.

Diesel Bill already knows how hard Mike is on himself from the detailed documents he kept on the wagon I got .

Trust me guys,this is one fine upstanding individual,with two beautiful children and a wife who you would instantly feel welcomed by. We need to step up and show what makes us what we say we are



this is the wagon he would classify as so so.



Mike ,I had no idea you were going thru this and really hurts, I want you to know I am a phone call away.

You are a victim plain and simple, this can be worked out, Lorne.

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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 5:41 pm

Holy cow! Something's not right.

Yeah, you may need to lawyer up and fight those crooks. At least talk to one of those mortgage counselling services and learn what your rights are.
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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 7:19 pm

GN1220 wrote:
Now my wife says she's had enough, I didn't turn into the man she thought,

"well look at that honey,. i,m still the man you married,. but you,ve definitely morphed into a ..... ..... .... (you fill in the blanks,.) So it looks like one of us made a huge error in judgement,.

So you get married and your supposed to turn into someone else,.?? Ha Ha,. thats funny,.only a broad would think that way,.usually we tend to pretend to be something different so we can get married,. then things change!! haha,.
MEH,.
get another broad and have fun with your cars,.
its only money,.
Obama was supposed to put a moratorium on foreclosures,.
My opinion is always free and is tainted by my cynical outlook on life,. walk now,. declare,. discharged sooner,.
Life back on track quicker,.
Everybody is afraid of change,. but once its forced on you, or you decide to make it happen,. the human spirit of endeavour and survival will see you thru,.
The Boys mother left me when they were 18mos and 3 yrs,. i kept the boys, and chased this woman over and over to no avail,promising her anything and everything to try and get things back together,.,. till finally i gave up, the boys and i managed for nearly 3 yrs till i started up with diane my current missus,.
Now i wonder why i tried so hard to fix something that was broken so bad, and worked so badly if it was working at all,,.
best of luck,. vent here anytime,.

nick
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PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 10:48 pm

Mike:

Under no condition should this be embarassing. Chase is notorious for these kinds of tactics. Having a pissing contest with them now regarding one of Carols credit cards that they administer. They just keep suffling it around to various collection companies so they can continue to charge interest on a balance that they are not entitled to. It will be going to small claims court, initiated by me.

I am not a lawyer but answer these questions:

1. Do you have a signed document agreeing to this Mortgage Modification?
2. Have you been making the needed payments as agreed?
3. Has Chase actually cashed these checks/pre-approved payments?
4. When recording the conversations, did you get the other parties to identify themselves and did you inform them that they were being recorded? (every time I do this when talking to the collection companies they immediately hang up....wonder why?)
5. In the foreclosure documents, did they identify the property carefully including lot #, property description, mortgage holder etc.?
6. Have you kept a complete diary of all conversations with Chase, their agents and or their lawyers?
7. Have you kept every scrap of correspondance regarding this mortgage?

If you can answer yes to most of the above, then don't get mad...get even. Can't comment on the legal system where you are, but up here, the judge would be all over them. Might even award you the balance as damages.

This kind of crap has got to stop. Makes my blood boil. Are you in a State that allows lawyers to accept work on contingency? If so find one who is willing to go and scratch their eyes out.

Sorry to hear of your marital problems. Money issues tend to bring out the worst in us all. Hope it all works out for the best and if you have to vent, you know where to come.

Bill
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GN1220



Posts : 339
Join date : 2008-11-06
Age : 45
Location : Kansas City, MO

PostSubject: Re: hey Lorne the day has come   Sat Nov 27, 2010 11:54 pm

Thanks for the kind words guys, as it really helps to vent even though it's difficult for me to share any problems I may have. I was just taught to man up and keep it to yourself. But, so far, that hasn't really paid off for me.

#1.Chase kept saying we were in the "Trial Mod Program" and they had all the info they needed but that they were back-logged with thousands of cases and it could be months before we got the mod made permanent. That is why I would call every couple months to check on the status and was told time and time again everything was fine.

#2.We have been making the new payment of $1011.00 a month down from $1358.00 a month. This is the amount that Chase said would be my new payment. Now they are saying that we were short every month and because of this late fees and penalties were being added on. BUT THEY SAID THIS IS THE AMOUNT TO PAY! And, why didn't they say something a few months into it, not a year and a half later!

#3.Yes, my wife paid some on line and others with checks and the money was taken from the account each time.

#4.My lawyer said I didn't have to disclose the fact I was recording. He said in Missouri only one party needs to know about the recording.

#5.Yes, it was pretty clear it was my house. Talk about a sinking feeling. To make matters worse, I bought this house from my Grandparents in '99, they bought it in '60 when it was a year old. I basically grew up here.

#6.I have now that all of this started in the form of documents with names, extentions, phone numbers and the recordings. Never imagined I'd need to before but I really wish I would've.

#7.I have stacks and stacks of crap from them that a good attorney would probably have trouble decoding. Every time I call I get a different person, that person sends me to a different person and so on, and so on. Keep in mind each time a new person gets on the phone I have to give my account #, home phone #, work #, SSN, answer security questions. Imagine being transferred to 4, 5, or 6 people having to do all of this crap, day after day after day. Then several times I'd get hung up on and have to start all over. I was not kidding when I said I would be on the phone for hours at a time, every day. I honestly feel they just wanted to wear me down to the point I would pack and leave. I begged with them to start my mortgage over, forget the last ten years I'd been paying, let me refi, something, anything to keep my house. **** you is what they told me.

Fortunately I was able to sell the car and have a wealthy Aunt and Uncle who were able to help out. My Uncle knows the whole situation and is in no hurry to get his money back so that gives me the time I need to fight Chase. But it could go on for years with these people. My cousin is an attorney who has some beef with Chase regarding a credit card as well and she turned me onto a lawyer that "might" be able to do something. If not I will continue to search for one. Would really like to do it on my own so the family doesn't know all of my business as they love the gossip and I've always been the one to stay out of trouble and do the right thing. Until now.

Regarding my wife, this seems to happen once a year or so where she gets mad about something and wants to divorce but after a couple weeks everything is fine again. But to be honest I'm very tired of this emotional roller coaster. I almost lost the house, had to come to terms with that so if I have to sell it at least I will be selling it and not being forced to walk away. But the thing I can't figure out are my kids. The thought of them having to move from their home kills me. The thought of seeing them every other weekend, or whatever a judge would decide, kills me. I love my kids more than anything or anyone on this planet and the thought of her just up and leaving taking the kids with her.......I just don't know what to do. I could get an apartment, sell the rest of my stuff to downsize and find another woman to spend my life with but I just can't figure out the kid situation because I know she would try to make it as difficult on me as possible because everything is my fault.
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KCClark



Posts : 9
Join date : 2009-11-15
Location : Central Ohio

PostSubject: Re: hey Lorne the day has come   Mon Nov 29, 2010 9:58 am

GN1220 wrote:

#2.We have been making the new payment of $1011.00 a month down from $1358.00 a month. This is the amount that Chase said would be my new payment. Now they are saying that we were short every month and because of this late fees and penalties were being added on. BUT THEY SAID THIS IS THE AMOUNT TO PAY! And, why didn't they say something a few months into it, not a year and a half later!

It seems like your case is just business as usual down at Chase. This article was on the front page of the Columbus Dispatch yesterday:

Banks accused of misleading owners
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Nick Danger

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Posts : 717
Join date : 2010-03-27
Location : Albuquerque

PostSubject: Re: hey Lorne the day has come   Mon Nov 29, 2010 11:51 am

Quote :
The problems arise because servicers deal with borrowers who are behind in payments along a dual-track system.
One division of the company is negotiating a loan modification with borrowers while another is marching toward
foreclosure. The two divisions don’t necessarily communicate with each other.

This actually makes sense.
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GN1220



Posts : 339
Join date : 2008-11-06
Age : 45
Location : Kansas City, MO

PostSubject: Re: hey Lorne the day has come   Mon Nov 29, 2010 5:31 pm

Nick Danger wrote:
Quote :
The problems arise because servicers deal with borrowers who are behind in payments along a dual-track system.
One division of the company is negotiating a loan modification with borrowers while another is marching toward
foreclosure. The two divisions don’t necessarily communicate with each other.

This actually makes sense.

This is exactly what the mod program assistant told me every time I talked to them. "They are a totally different division of Chase. They have the guidelines they have to follow. This is normal but you have nothing to worry about as all of your documentation is in and complete, we are just swamped with thousands of cases so it could be months before we get to your case. Just continue to send in the payment, check back every couple months, and we'll let you know when everything goes through." This is the b.s. that they told me and had me feeling like we were going to get back on track. Little did I know I should have been recording ALL of the conversations I had with them. I just never imagined in a million years it would sink to this level. So now I need to get all my ducks in a row, file a complaint with the office of the Missouri Attorney General and find a lawyer who might have some knowledge in these cases as I'm finding out I'm far from the only one this has happened to.
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convert2diesel



Posts : 899
Join date : 2009-01-05
Age : 65
Location : Manotick, Ontario

PostSubject: Re: hey Lorne the day has come   Mon Nov 29, 2010 8:25 pm

Nick Danger wrote:
Quote :
The problems arise because servicers deal with borrowers who are behind in payments along a dual-track system.
One division of the company is negotiating a loan modification with borrowers while another is marching toward
foreclosure. The two divisions don’t necessarily communicate with each other.

This actually makes sense.

20 years ago I might agree with you. With the use of computer networks and integration, this is now just a convenient excuss. Your file is common to the whole system, just parts of it are supposed to be masked for privacy issues (yeh like that is true). Whenever anyone within the company accesses your file, at least status would show up. I say BS.

Bill
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Nick Danger

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Posts : 717
Join date : 2010-03-27
Location : Albuquerque

PostSubject: Re: hey Lorne the day has come   Tue Nov 30, 2010 12:07 pm

But companies don't integrate their computer systems. They buy up several smaller companies, each with
its own computer system, and then assign different duties to each division. Since buying a new company-wide network
isn't going to show up as a profit on the bottom line, it takes years for companies to sort everything out.

But, yes, in Mike's case is sounds like a convenient excuse to screw him. Because even if the computers don't talk to
each other, the people working there sure know that this is happening. It's policy to ignore it.
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