As we mentioned earlier our children, or some of them also lived in the area. They were mowing the lawn, feeding the cat and the fish. They were forwarding the mail to us as a condition of using the pool and rec room. None of the children while at the home either working or relaxing were ever notified that their was a problem. I have tried to point out prior that the law enforcement people knew us, knew our children, had attended parties at the home and worked in the same office as the sheriffs daughter for 2 years, our office.
This is the way things were all through the year of 2000. Chase Bank got the foreclosure judgment in July of 2000 and still no notice of suit was sent or received by us. No notice was posted on the home or delivered to any of the children as they came and went from the home. In November of 2000, we received notice from Advanta Mortgage our current loan service provider and Bank One (Chase Bank) that Bank One had obtained the rights to service the mortgage note. To quote the letter,
“Except in limited circumstances, the law requires that your present servicer send you this notice no later than 15 days before the effective date of transfer, or at closing. Your new servicer must also send you this notice no later than 15 days after this effective date, or at closing. In this case, all necessary information is combined in this one letter.
Your present servicer is Advanta Mortgage Corp. USA. If you have any questions relating to the transfer of servicing from your present servicer, call the Customer Service Department toll free at (800) 548-7912, between 7 a.m. and 5 p.m., Pacific Time, Monday through Friday.
Your new servicer will be Bank One, N.A and it’s acting servicing agent Wendover Financial Services-Corporation. The correspondence address for your new servicer is P.O. Box 26966, Greensboro, NC 27419-6966. The payment address for your new servicer is P.O. Box 70817, Charlotte, NC 28272-0817. If you have any questions relating to the transfer of servicing to your new servicer, call the Customer Service Department toll free at (866) 290-7700 between 9:00 a.m. and 8:00 p.m., Eastern Time, Monday through Thursday, and until 5:00 p.m. Eastern Time on Friday.
The last date that Advanta will accept payment from you is November 30, 2000. The date Bank One, N.A. will start accepting payments from you is December 1, 2000. Send all payments on or after that date to your new servicer. Please be sure to write the new Bank One loan number above on your check to ensure proper credit. A monthly bill statement for your next payment due date will be produced whenever a payment is processed. If your payment was automatically withdrawn from your bank account, this service will continue without interruption. “ The letter is attached for your viewing and if you can understand how a bank that has nothing to do with you mortgage (by their own paper work) until November of the year 2000, can file a suit for foreclosure in April of 2000 and receive a judgment in July of 2000.
The sale of our home took place on Jan. 3, 2001. This is barely 30 days from the time we were to make our first payment to Bank One.
Please see the pictures of the rest of the house below. As I have stressed in all that I have written, we had a lot of good times with our children and our grandchildren. All of the places and things we did as a family were well documented in the tons of photo’s and movies. We took all of the children to Hawaii in 1984 and had movies of them feeding the fish in hanama bay, swimming with the fish as they tried to surf with little success.
Pictures of all of our employee’s and their spouses when we did our yearly outing. One was to Hawaii, Las Vegas, Six Flags, Fort Lauderdale, Ron Jon’s Surf Shop in Cocoa Beach Florida, What is now the Hilton Inn in Clearwater Florida. The night we attended the volleyball tournament in Key Largo at Howard Johnson Inn and the cruises to the Bahamas, Jamaica, and the rest of the islands. Our trip to Progresso Mexico and the native ruins in the area was all on film. We traveled a lot of the time in our business and were able to arrange the travel to include family members.
Entrance from the garage. showing tools, freezer. computers, printers, and misc.
That door opens up to the kitchen which as you can see was fully equipped.
one of the closets showing the camera's and files
laundry room with washer, dryer and clothes
barn storage of childrens furniture, tools and inventroy for our business
more inventory stored in the barn
Mothers antique china hutch and china, tool chest and tools.
more garge photo showing grandchilds crib, more computer hardware.
Dining area with china hutch, china and silver on top of hutch to the left side is a desk with a message board
Family room off of the dining room
Family room fireplace with pictures and Indian artifacts
Family room doors lead to rec and pool room.
Family room tv and stereo console was filled with movies, tv and stereo system balance of vcr tapes on floor
Master bedroom and master bath with walk in closets and walk out balcony overlooking the pool.
Notice to the left , the jewelry box behind the fan. The walkin closet full of clothes is beside the ironboard.
Master bath area
Please keep in mind all of this property was still in the home and belonged to our family.
Next I will show the fraud involved in this case and what you need to watch out for.