PNC & DAVID STERNS FORCLOSURE MILL STILL DESTROYING FAMILIES 8 YEARS LATER

We are a totally disabled family that in the aftermath of Hurricane Wilma in 2005 called  National City Bank to ask one simple question that our FEMA inspector suggested - just one simple question: "Do you have a two-month Emergency Disaster Deferment Program for hurricane victims?" ONE SIMPLE QUESTION - that one question lead to a devastating foreclosure sale date of our home for October 15, 2014 - 8 years later by PNC Bank.  

WE DID NOTHING WRONG BUT ASK A QUESTION !!!

WHY? Because the now defunct National City Bank took that request and turned it into the perfect opportunity to try to push us - as they did to so many - into refinancing our 30 year fixed mortgage to a sub-prime balloon mortgage by using the 3 months of stalling, contradicting, and giving out misleading information about a program they didn't even have - to force us into a falsified foreclosure. 

But after the first month of being misinformed, intimidated, and harassed by these tactics, we went ahead and sent in the December payment [ against their instructions ] in January, along with the late fee attached. NATIONAL CITY held that check for  4 WEEKS - returning it in late February to claim our loan was now 3 months late. But they then refused to take back the returned December check even with January and Febuary checks added to it. Instead - they sent our loan directly over to the Infamous Foreclosure Mill Law Firm of DAVID STERN  before March 15th 2006. Five days later we were served with a court foreclosure hearing. When we desperately tried to reach DAVID STERN's office with phone calls, letters and offers to pay the entire loan off - just to stop this ridiculous mistake - we got NO answers to any of our calls or letters.

A year later, we had a mediation on Sept. 12, 2007, National City along with a representative from Freddie Mac agreed with the Judge Mediator that a FINAL SETTLEMENT modification would clear our credit - eliminate ALL the late fees and charges that the bank and DAVID STERN’s office had added to it, put the missing payments to the back of the loan keeping the same principle as it was before this started and pay our attorneys fees - and it was ALL to be completed by OCT 12, 2007. NONE OF IT WAS DONE !!! With the Exception of the ATTORNEY BEING PAID OFF.

We continually tried to contact DAVID STERN’s office by letter, phone, and fax- to demand they comply with the settlement timeline -  but the October deadline came and went. THEY WERE IN DEFAULT OF THE FINAL SETTLEMENT AGREEMENT NOW.  And neither National City or DAVID STERN’s office would return our calls. But several months later they continued the case - having it reopened while adding thousands of dollars in fees and charges to the original $57,604 mortgage. Once again, claiming WE were in default.

For years we struggled to have this nightmare resolved - while DAVID STERN's offices were being closed down for doing over a hundred thousand illegal foreclosures, robo-signing and forging documents and paying their Attorney huge bonuses to churn out foreclosures as quickly as possible [ documented in the newspapers etc.] 

Freddie Mac and Fannie Mae were fully aware of what STERNS’s office was doing and that there were major investigation taking place by the FBI and other agencies. They finally pulled their accounts from STERN after leaks about their illegal proceedings got too hot to handle. But they and their loan servers continued with the foreclosures STERN had initiated.

Bring it to the present - and four of their law firms later, we were summoned once again to a foreclosure hearing this July 17th 2014.

Conveniently, PNC Bank [ aka National City] has no records of what took place from 2005. Conveniently, DAVID STERNS OFFICE shredded thousand upon thousands of illegal foreclosures files before they were closed down and conveniently, there are no records left. Not even the original NOTE that supposedly DAVID STERN "LOST"- so everything that took place since 2005 was considered Hear-Say.. The only thing we have left to prove what took place is the 10 binders of records [ shown above] which according to PNC is Not relevant. The court even insisted on taking the very thing that was proof of them holding our check - they took the original check- stamped and dated with the return. Everything we had to show was objected to by PNC'S counsel because it was according to them HEAR-SAY.

We desperately need to get CEO Donald H. Layton of Freddie Mac, the Federal Banking Regulator Janet Yellen, the Comptroller of the Currency Thomas Curry, The Board of Governors of the Federal Reserve System, Florida State Attorney Pam Bondi and PNC CEO Bill Demchak to personal see the mountain of illegal HEAR-SAY evidence of DAVID STERN and NATIONAL CITY BANK and understand that a totally disabled family that was ABLE TO PAY THEIR MORTGAGE has suffered unmeasurable severe mental anguish and physical damage for the 8 years we have been trying to deal with these criminals that had deaf and uncaring ears - and all because we asked "one simple question".

Our once beautiful home deteriorated before us -  the equity in our home would have paid for all the hurricane repairs - but they tied that up in their falsified default. That same listing denied us the ability to get our own homeowners and flood insurance -  we have gone through 8 years of Florida hurricane seasons without any coverage. Our $57,604 guaranteed to remain the same at the modification has been boosted to $147,096.99 in added charges, attorney fees and bank forced insurance premiums etc.

We have lived in this home for 36 years. My husband is housebound and very ill, our two adult children are disabled. I vowed to them that we will not lose our home to corrupt illegal procedures that took place by a self proclaimed KING OF FORECLOSURES DAVID STERN and his army of unscrupulous attorneys. 

This man, that has had his firm closed down, has been disbarred for his robo-signing illegal foreclosures while Freddie Mac and PNC stood by with full knowledge of what was going on, must not be allowed to get away with it. We will stand our ground and FIGHT. We will NOT be sold under by the illegal actions of a firm that made illegal foreclosures a common practice and DAVID STERN, a very rich man. 

And PNC - which already was made liable to pay for its illegal foreclosure processes by the investigation of the Federal Banking Regulators and others - is twice as guilty because even after they admitted their guilt they are continuing to do it. We must stand our ground because to lose this home to white collar criminals will literally kill our already disabled family - leaving our home is not an option.

But we need your help - so please help us - by signing this petition to force Freddie Mac and the people and agencies listed to                                       

STOP THIS ILLEGAL SALE OF OUR HOME !!!     

Thank you for your compassion !!!