I have a question about the line of credit and mortgage fraud.?

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Hello, my name is Jane and I’m lebt.Ich Virginia purchased a home in Woodbridge VA Dec/2004.Tom was my mortgage agent. I have 10% deposit. (Contract Value $ 535,000.00 was) U. S. Express Mortgage Company has approved the first and second mortgage (1st and 2nd 374K $ 107K). About two months after I received the book paychecks BB & T Bank (3rd privilege – Line of credit $ 125,000), I called Tom (mortgage brokers) and requested the audit of BB & T, because I’ve never used. and asked Raymond to open a credit line for this property. He said: “Jane, you do not need a loan application and you have nothing to sign, because you had good credit and your home a right of Woodbridge Equity immediately after closing the company to BB & T approved the loan.. based on your excellent credit and the equity in your house the way I have to close the account and unfortunately I did not money in December 2008, the house was excluded (a lien) and 3rd mortgage banking. BB & T Bank action against me in the amount of $ 125K. I have received complaints by e-mail 15 / 01/2009. * Just before the foreclosure, I asked all the loan documents to the lender whole, including BB & T. (I was not sure what they have but I wanted to.) shocking enough, there was a loan application that I’ve never seen anyone my signature gefälscht.BB & T Bank was not a wholesale lender. (BB & T had a division wholesale, but I do not speak for them) / the time that I do not know, because Tom and bank loan officer who worked as they were … / The loan officer had directly with borrowers, but it did not happen. Someone forged my signature on loan applications, the line of credit agreement and the credit line trust deed (notary? I do not know who she is and there is no seal) sealed so my house and asked me to pay. Yes, I use the money. If I have to pay should I do. But it would be a fraud. (falsification and violation of the responsibility of Q # 1 lender … What should I do? Do I pay for it and bury the fraud? # 2 We have 2 years of law limitations for fraud in Virginia. Someone told me that if I am the checkbook BB & T Bank, I knew it was a scam have (He says it’s a good way). What do you think? I confirmed fraud if J ‘ have someone forged my signature Dec.2008 My tribute saw – “Jane, you do not need … .. your excellent credit and stock markets from your home.” 3.Can I struggle with the lender for something, a breach of contract or fraud, or liability of the lender … I know DankP.S nicht.Vielen. Just for your information, mortgage brokers and loan officers in federal prison commit bank fraud, money laundering, etc., but not for me.
Hello, my name is Jane and I’m lebt.Ich Virginia purchased a home in Woodbridge VA Dec/2004.Tom was my mortgage agent. I have 10% deposit. (Contract Value $ 535,000.00 was) U. S. Express Mortgage Company has approved the first and second mortgage (1st and 2nd 374K $ 107K). About two months after I received the book paychecks BB & T Bank (3rd privilege – Line of credit $ 125,000), I called Tom (mortgage brokers) and requested the audit of BB & T, because I’ve never used. and asked Raymond to open a credit line for this property. He said: “Jane, you do not need a loan application and you have nothing to sign, because you had good credit and your home a right of Woodbridge Equity immediately after closing the company to BB & T approved the loan.. based on your excellent credit and the equity in your house the way I have to close the account and unfortunately I did not money in December 2008, the house was excluded (a lien) and 3rd mortgage banking. BB & T Bank action against me in the amount of $ 125K. I have received complaints by e-mail 15 / 01/2009. * Just before the foreclosure, I asked all the loan documents to the lender whole, including BB & T. (I was not sure what they have but I wanted to.) shocking enough, there was a loan application that I’ve never seen anyone my signature gefälscht.BB & T Bank was not a wholesale lender. (BB & T had a division wholesale, but I do not speak for them) / the time that I do not know, because Tom and bank loan officer who worked as they were … / The loan officer had directly with borrowers, but it did not happen. Someone forged my signature on loan applications, the line of credit agreement and the credit line trust deed (notary? I do not know who she is and there is no seal) sealed so my house and asked me to pay. Yes, I use the money. If I have to pay should I do. But it would be a fraud. (falsification and violation of the responsibility of Q # 1 lender … What should I do? Do I pay for it and bury the fraud? # 2 We have 2 years of law limitations for fraud in Virginia. Someone told me that if I am the checkbook BB & T Bank, I knew it was a scam have (He says it’s a good way). What do you think? I confirmed fraud if J ‘ have someone forged my signature Dec.2008 My tribute saw – “Jane, you do not need … .. your excellent credit and stock markets from your home.” 3.Can I struggle with the lender for something, a breach of contract or fraud, or liability of the lender … I know DankP.S nicht.Vielen. Just for your information, mortgage brokers and loan officers in federal prison commit bank fraud, money laundering, etc., but not for me.

4 Comments
  1. Reply
    wizjp
    January 30, 2011 at 11:57 pm

    I’d get a good lawyer. All I can suggest is that as soon as you used the money, you pretty much invalidated any opportunity to claim you did not want the account opened.

    Stranger things have happened.

  2. Reply
    Popperian
    January 31, 2011 at 12:07 am

    Your question is almost completely incomprehensible, so you’ll have a hard time explaining it to the government.

    With respect to foreclosures … one thing you can do, if you had the loan for awhile and it changed hands, you can halt or slowdown the procedures by asking to see the original documents you signed and then claiming “if you can’t even show the original paperwork I signed, how can you hold me responsible for this loan”?

    These banks have been handing these things around left and right and have been shredding documents/etc. … so depending on the situation, this may provide you a bit of process help that may help you to restructure or exit things.

  3. Reply
    independent101
    January 31, 2011 at 12:46 am

    I think your problem will be proving anything, since you knew you didn’t apply for the line of credit, but you spent it anyway. The second you used any of the money, its like acknowledging you know theres a loan and you agree to repay.

    If you somehow prove fraud, there may be some sort of fine towards the lender. They will not let you out of that debt. $ 125k is alot of money for you to blow through. You won’t be able to let that slide.

    Good luck, and i’m sorry it happened as it did. Lesson learned, at least!

  4. Reply
    Michael L
    January 31, 2011 at 1:02 am

    You questioned the line of credit initially and found out that it was a 3rd mortgage placed on your home.

    Had you returned the money and then asked to see the loan documents you would have a good case. But instead you used the money (why not tell us what you purchased with it). You had full knowledge where the money came from at the time you received it.

    Now that it is time for someone to take responsibility for that money you want to say.. “I never asked for it”.

    Too late. While you know now that your signature was forged, you had to know then as well. Not to mention the monthly payments you were or weren’t making. This makes you an accessory to the fraud, like accepting stolen goods.

    Bottomline.. you had NO problem using the money.. only paying it back…

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