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jason3974
290 Posts |
 Posted - 05/05/2008 : 06:15:41 AM
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About a week ago I received a letter in the mail with no return address asking me how I sleep at night knowing the pain I have brought into peoples lives. It was three pages long and taken from an FBI web page talking about evil mortgage brokers. The letter closed by saying it was from the 233 families I've screwed (I'm not sure where they came up with this number, as I've brokered a lot more than 233 loan, unless they did a public record search for loans in which I acted as a banker, but that seems low also).
Last Friday another letter comes. Again there is no return address, just a newspaper article that had various paragraphs highlighted, with some sentences underlined. The article had something to do with a bank saying they'll finance a large commercial deal, only to back out at the last minute, causing the business to go into foreclosure. The article had nothing to do with me or my company, but the highlighted parts were things like "he always made his payments..." and "vowed to fight for his loan...".
Thoughts??? |
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AGreene00
2901 Posts |
Posted - 05/05/2008 : 06:19:50 AM
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| Geez |
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jason3974
290 Posts |
Posted - 05/05/2008 : 06:22:06 AM
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quote:
Originally posted by Banker0679
check the zip code where it was mailed from....it should be on the postal stamp
I did, but my small city routes all of it's outgoing mail to Madison, WI for sorting, then comes back for delivery. |
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kellamtom
648 Posts |
Posted - 05/05/2008 : 06:22:49 AM
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| i would go to the police, there are some real nuts out their who knows they may get violent with a drive by, call the police |
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kellamtom
648 Posts |
Posted - 05/05/2008 : 06:23:57 AM
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| i'll bet countrwide mailroom gets these all the time |
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jason3974
290 Posts |
Posted - 05/05/2008 : 06:31:34 AM
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quote:
Originally posted by kellamtom
i would go to the police, there are some real nuts out their who knows they may get violent with a drive by, call the police
I talked to them and handed over the letters. They said if I get another one, try not to touch the contents as they might be able to pull prints off of it. I hope I get one just so I get to hear them explain what goes into "pulling prints". |
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kellamtom
648 Posts |
Posted - 05/05/2008 : 06:34:16 AM
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they put the messy dust on it and tape over the dust then remove the tape and thr you have it a print, scan the tape and look for a match; dude don't you watch csi
hope it doesn't turn out to be the broker down the street trying to scare you out of business, that would put twist in the mystery |
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goodguy1
1681 Posts |
Posted - 05/05/2008 : 06:42:36 AM
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crazy...scary too.
they could also check the stamp for DNA (never lick stamps people..)
clearly one of your client's ARM's is increasing,and their credit has deteriorated so they don't qualify for a refinance..
keep us posted!
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homer5
364 Posts |
Posted - 05/05/2008 : 06:47:02 AM
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| Was the envelope stamped or was metered mail used? If it was metered mail, the post office can trace the letter back to the postage machine that was used to affix postage. |
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jason3974
290 Posts |
Posted - 05/05/2008 : 06:53:39 AM
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quote:
Originally posted by kellamtom
they put the messy dust on it and tape over the dust then remove the tape and thr you have it a print, scan the tape and look for a match; dude don't you watch csi
hope it doesn't turn out to be the broker down the street trying to scare you out of business, that would put twist in the mystery
I have never watched CSI...maybe I should start, but I have this OCD thing about watching shows from the pilot episode to current. |
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jason3974
290 Posts |
Posted - 05/05/2008 : 06:54:20 AM
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quote:
Originally posted by homer5
Was the envelope stamped or was metered mail used? If it was metered mail, the post office can trace the letter back to the postage machine that was used to affix postage.
Stamped. |
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gfe
1196 Posts |
Posted - 05/05/2008 : 07:06:20 AM
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we now receive plain #10 envelopes - no return address - and only a 2 cent stamp.
hand addressed, and have to pay the balance to open it. usually filled with other company's junk mail. |
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Carpet Muncher
1385 Posts |
Posted - 05/05/2008 : 07:12:17 AM
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quote:
Originally posted by jason3974
Thoughts???
Don't open the letters. Write "Return to Sender" and drop them back in the mail. The sender will give up soon. |
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Mandyvilla
3629 Posts |
Posted - 05/05/2008 : 07:12:19 AM
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quote:
Originally posted by jason3974
quote:
Originally posted by Banker0679
check the zip code where it was mailed from....it should be on the postal stamp
I did, but my small city routes all of it's outgoing mail to Madison, WI for sorting, then comes back for delivery.
The sad thing is the police can't do anything until an attempt is made. However, if one is made, it will give them a direction. Unfortunately, the OP is the target of someone that cannot accept any responsibility for themselves and must have a scapegoat. I don't know what kind of records you keep......but it may be worth looking at even the names....it could jog your memory. '05 & '06 things were moving at lightening speed, maybe it just wasn't extended memory material or something just did not register.....
Someone is obsessed with obtaining some measure of "revenge" (in quotations because that is how they see it, justified or not. Such measures may not satisfy this person......they can't see your face when you open the letters. Or, someone w/out a backbone and fearful of confronting you for what they think is your fault (which they know it's not). Or, it could very well be someone you see on a regular basis. Or, is someone jealous you are still in the biz and they are not? Disgruntled processor? It could be anyone (well, mom excluded).
Be alert.....keep the radar on....it's quite likely you will never find who sent the mail. Do call the police, just don't expect too much. |
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cspatmon
2445 Posts |
Posted - 05/05/2008 : 07:39:10 AM
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| Never take threats lightly. Put in place as many safe guards that you can think of having by being a public entity. They're out here by the thousands. The people that are quick to blame others for their dilemma's......and can't think pass their own selfishness. |
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msancheznj
2243 Posts |
Posted - 05/05/2008 : 07:59:29 AM
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| I thought you couldn't mail something without a return address. |
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jason3974
290 Posts |
Posted - 05/05/2008 : 08:05:44 AM
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quote:
Originally posted by Mandyvilla
quote:
Originally posted by jason3974
quote:
Originally posted by Banker0679
check the zip code where it was mailed from....it should be on the postal stamp
I did, but my small city routes all of it's outgoing mail to Madison, WI for sorting, then comes back for delivery.
The sad thing is the police can't do anything until an attempt is made. However, if one is made, it will give them a direction. Unfortunately, the OP is the target of someone that cannot accept any responsibility for themselves and must have a scapegoat. I don't know what kind of records you keep......but it may be worth looking at even the names....it could jog your memory. '05 & '06 things were moving at lightening speed, maybe it just wasn't extended memory material or something just did not register.....
Someone is obsessed with obtaining some measure of "revenge" (in quotations because that is how they see it, justified or not. Such measures may not satisfy this person......they can't see your face when you open the letters. Or, someone w/out a backbone and fearful of confronting you for what they think is your fault (which they know it's not). Or, it could very well be someone you see on a regular basis. Or, is someone jealous you are still in the biz and they are not? Disgruntled processor? It could be anyone (well, mom excluded).
Be alert.....keep the radar on....it's quite likely you will never find who sent the mail. Do call the police, just don't expect too much.
It could be my mom...I had to fire her 3 years ago for not keeping up. |
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velecico
4206 Posts |
Posted - 05/05/2008 : 08:25:50 AM
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Its Darkstar new campaign |
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mbrownusa
942 Posts |
Posted - 05/05/2008 : 10:23:57 AM
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quote:
Originally posted by Banker0679
did it have any white powder in or on it?
Yeah, I was wondering the same thing. |
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RANDY P
2970 Posts |
Posted - 05/05/2008 : 11:13:14 AM
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do nothing. ignore it until the sender screams, then do something.
rjp |
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lucky1s
3639 Posts |
Posted - 05/05/2008 : 11:18:20 AM
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Have you done anything you should be concerned about?
I contacted all my clients well in advance of their re-sets after the market imploded and it became clear they would be unable to refinance.
We worked hand in hand as a team to find the best solution possible.
Course I had less than a handful so it was not all that hard to keep track of them. |
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lshaull
87 Posts |
Posted - 05/05/2008 : 7:46:36 PM
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| Have you heard about E.S.O.P East Side Organzing People or National peoples Action. These groups have covered countrywide executives homes with graffetti and plastic sharks. They have done numerous confrontational terrorism against Companies and individuals they feel responsible for the mortgage problems. Perhaps part of these groups are involved? |
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the_mortgage_guy
1276 Posts |
Posted - 05/05/2008 : 8:20:37 PM
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| Keep a louisville slugger in the car. |
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CoolMtgGuy
4087 Posts |
Posted - 05/05/2008 : 8:26:17 PM
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quote:
Originally posted by the_mortgage_guy
Keep a louisville slugger in the car.
... and make sure it is loaded with something other than peanuts! |
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mortgagemessiah
8003 Posts |
Posted - 05/05/2008 : 8:28:09 PM
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quote:
Originally posted by jason3974
About a week ago I received a letter in the mail with no return address asking me how I sleep at night knowing the pain I have brought into peoples lives. It was three pages long and taken from an FBI web page talking about evil mortgage brokers. The letter closed by saying it was from the 233 families I've screwed (I'm not sure where they came up with this number, as I've brokered a lot more than 233 loan, unless they did a public record search for loans in which I acted as a banker, but that seems low also).
Last Friday another letter comes. Again there is no return address, just a newspaper article that had various paragraphs highlighted, with some sentences underlined. The article had something to do with a bank saying they'll finance a large commercial deal, only to back out at the last minute, causing the business to go into foreclosure. The article had nothing to do with me or my company, but the highlighted parts were things like "he always made his payments..." and "vowed to fight for his loan...".
Thoughts???
I used to get hate mail all the time when I was in politics. I wouldn't be to worried unless they start showing up at your door, start leaving mutilated dead animals on your doorstep, or give you threatening phone calls. If you are concerned, contact your local Post Master. |
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jason3974
290 Posts |
Posted - 05/06/2008 : 06:45:42 AM
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quote:
Originally posted by Banker0679
was it handwritten or was it one of those ransom notes with magazine letters pasted on it?
The first was a typed letter, and the second a newspaper article that was cut out. |
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mortgagemessiah
8003 Posts |
Posted - 05/06/2008 : 06:51:12 AM
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| It's probably some cranky old man or woman like Dollar who has nothing better to do with their time. |
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jason3974
290 Posts |
Posted - 05/06/2008 : 06:53:47 AM
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quote:
Originally posted by lucky1s
Have you done anything you should be concerned about?
I contacted all my clients well in advance of their re-sets after the market imploded and it became clear they would be unable to refinance.
We worked hand in hand as a team to find the best solution possible.
Course I had less than a handful so it was not all that hard to keep track of them.
I've done 9 option arms in my life and 6 of them were for myself...when CW used to give the 6 month teaser rate, I bought rehabs and had them sold before the rate adjusted. The other 3 were for laborers who got laid off during the winter, but they've all been redone.
My company has a portfolio of 15 million. It's mostly low ltv, odd stuff (i.e., campground, small hotel, some foreclosure bail-outs). I've had a few of them go into foreclosure, but for the most part my book of business is clean.
I have a feeling I know who it is. A self-storage borrower had a note come due in Nov. of 06. Wells wouldn't refi him, so I took a look. I had him approved for a "rate/term", but he was looking to cash-out up to 80% with a debt service coverage of 1.1%. Now Wells is foreclosing the self storage and I have a felling his house and rentals are next. |
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jason3974
290 Posts |
Posted - 05/13/2008 : 09:03:29 AM
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| I've received two more pieces of "Hate mail" in the last two days. The one that was sent today was hand-written on a post-card saying I should watch the movie "Maxed Out". It's about American Greed. |
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Carpet Muncher
1385 Posts |
Posted - 05/13/2008 : 09:06:33 AM
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| post them here so we can see |
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LoanRunner
309 Posts |
Posted - 05/13/2008 : 09:13:34 AM
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| I have seen many posts on blogs, etc where people are blaming the mortgage brokers for their own self-induced problems. I would also call the police.. maybe the FBI, since it is using the MAIL to intimidate or otherwise, imply a threat to you. |
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jason3974
290 Posts |
Posted - 05/13/2008 : 09:40:52 AM
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quote:
Originally posted by Carpet Muncher
post them here so we can see
How? |
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lucky1s
3639 Posts |
Posted - 05/13/2008 : 09:47:54 AM
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Maxed Out is a documentary, right?
I have been meaning to catch that.
I think it's on HBO. |
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jason3974
290 Posts |
Posted - 05/13/2008 : 09:57:32 AM
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quote:
Originally posted by lucky1s
Maxed Out is a documentary, right?
I have been meaning to catch that.
I think it's on HBO.
It's pretty good, but doesn't hold the public responsible for their own mistakes. Instead it blames big business. |
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mortgagemessiah
8003 Posts |
Posted - 05/13/2008 : 10:00:13 AM
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| If the person has not come out nd threatened you with bodily harm you can't do anything. You may have a case against the person for stalking. |
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jason3974
290 Posts |
Posted - 05/13/2008 : 10:07:16 AM
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| That's what the cops said. |
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mortgagemessiah
8003 Posts |
Posted - 05/13/2008 : 10:12:43 AM
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| I say just ignore them |
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EMScommercial
5141 Posts |
Posted - 05/13/2008 : 10:52:04 AM
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| don't let the fool drag you down.... |
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Bobbi
240 Posts |
Posted - 05/13/2008 : 11:07:12 AM
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| contact your local paper put a print of each letter & article in the paper then write a statement stating that you can not help people that do not make their payments in a timely fashion and that you are sorry they are having financial difficulty but you did not have charge over their finances to insure they made their payments. Or something on that order cause who ever is sending has chatted with other people, this way you can throw it back in the person's face and not get into trouble cause you didn't mention anyone's name.... Just a thought |
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jason3974
290 Posts |
Posted - 05/13/2008 : 11:10:04 AM
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quote:
Originally posted by Bobbi
contact your local paper put a print of each letter & article in the paper then write a statement stating that you can not help people that do not make their payments in a timely fashion and that you are sorry they are having financial difficulty but you did not have charge over their finances to insure they made their payments. Or something on that order cause who ever is sending has chatted with other people, this way you can throw it back in the person's face and not get into trouble cause you didn't mention anyone's name.... Just a thought
I like. |
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