Coldwell Bank (sic) listed my house for sale - and my loan is current.

[Texacon]

This is going too be phun!

FreakinDJ  (1000+ posts)      Fri Apr-22-11 06:32 PM
Original message

Coldwell Bank (sic) listed my house for sale - and my loan is current
 
I am away working out of state right now and my wife phones me in a panic this morning as a work crew showed up with a Debrie Box (sic) to clean up the property and have it ready for sale. Turns out we live on 6th AVENUE and the house of the same street number on 6th STREET has been foreclosed by the bank. She ran our address on google and sure enough there was a picture of our house on the MLS - listed as foreclosed

But how far up the Electronic Tittle (sic) Chain did the mistake go - I had no way of knowing. I called my bank and of course they told me my loan was fine. I actually OVER-PAY my Fixed interest loan every month (in hope of retiring some day). My bank also started an injury (sic) too. Don't know what that is - propably (sic) some thing like a Tittle (sic) Search I'm guessing.

This turning out to be (sic) a Big False Alarm as I just got off the phone with a $250 pr hr Real Estate Attorney - but it just proves the DAMAGE being done to Law Abiding - Paying their Bills on Time Americans

He ran a search of the county records forf (sic) a lien or foreclosure judgement against the property. Of course it turned up blank.

But who pays for the time I have missed from work today? The $250 fee for the attorney who ran the records search?

I'm told by a Real Estate Agent this is most likely a "Typo" by the listing broker and he will give him a call tomorrow when he is open to have the mistake corrected.

But does that actually "Fix" the mistake

Caused by a 'Typo' ... really?  No one makes those these days do they?!

 

Let's see what the DUmmies say;

katanalori  (1000+ posts)        Fri Apr-22-11 06:37 PM
Response to Original message

2. The agent could have run the records search, no?
 
It is so easy to do - a click of a mouse. Human error, yes - but the bank who is foreclosing on the other property would be the one to "blame," if you decide to do so. THEY are the ones who did the typo.

Drale (1000+ posts)        Fri Apr-22-11 06:39 PM
Response to Original message

6. We lost 6 full grown pine trees because of a stupid mistake by workers.
 
Edited on Fri Apr-22-11 06:40 PM by Drale

They had a work order from the village to trim the trees, but they just cut them all down. I was so pissed that I got escorted out of the village managers office by security because I was screaming at him.
  

rfranklin  (1000+ posts)        Fri Apr-22-11 07:15 PM
Response to Reply #6

18. Was that because the trees were on your property but...
 
within ten feet of the curb? That's the rule in my town. They can do whatever the hell they want within ten feet of the curb.
  

Drale (1000+ posts)        Fri Apr-22-11 07:19 PM
Response to Reply #18

20. Well its complicated
 
Technically the land behind our house is owned by Com Ed but the trees where put there to be a buffer between us and a bike path. We had a written agreement with both our town and the power company for the trees. I saw the work order and they where only supposed to trim them, but we fought the bike path and the town manager still does like us for it, so I'm pretty sure he "under the table" told them to just cut them down.  
  

tkmorris (1000+ posts)      Sat Apr-23-11 04:42 AM
Response to Reply #20

25. You fought against a bike path? nt  
  


Drale (1000+ posts)        Sat Apr-23-11 10:43 AM
Response to Reply #25

26. At the time it was very close to our property line
 
and we don't have a fence. We really where fighting "against" it I guess but we wanted it moved and in the beginning they where against any interference with their "master plan".
 

NIMBY much?!  LOL!

FBaggins (1000+ posts)      Fri Apr-22-11 06:40 PM
Response to Original message

7. It probably was the listing agent.
 
You should have let them fix the place up for sale.

Fresh coat of paint... A little landscaping... THEN letmthem learn their mistake.

Curmudgeoness  (1000+ posts)      Fri Apr-22-11 06:43 PM
Response to Original message

10. Step one, I would have called the cops. Then
 
I would have got my gun and let them know they had better got off of MY property NOW.

This would be devastating, and I can understand why you moved so quickly on this. I hope it is cleared up immediately and I am so glad that your wife was home to protect the property.

CoffeeCat  (1000+ posts)        Fri Apr-22-11 06:43 PM
Response to Original message

11. The question is...
 
...was this a mistake made by the real-estate company, or--as you said--does the mistake go farther up the chain and
involve the bank or county records?

Did the bank erroneously list your house as foreclosed upon--and is that where the initial error was made and it filtered up
to the real-estate company?

OR--did the real-estate company screw up?

I truly think that you need to determine at what point this mistake was made. If it was with the real-estate company, I think
they owe you an apology, and $250 for the attorney fees, at the very least.

Do you have proof of your house being shown as foreclose upon on the MLS listing? You need to print that off.

How scary for you!

Yes because EVERYONE should call an attorney BEFORE calling the agent who has the home 'listed' to make sure there was no error.  Only a $250/hour attorney can determine that.

FreakinDJ  (1000+ posts)      Fri Apr-22-11 07:16 PM
Response to Reply #11

19. That is why my bank is performing the INQUIERY
 
Edited on Fri Apr-22-11 07:17 PM by FreakinDJ

to check the Electronic Deed system they have now

So just think what would happen if a bank made the typo and some greedy Chinese Leasing Company buys the duplicate Deed - it would take years possibly decades to sort out if ever

That is why if the other bank made the typo I'll have the attorney place an injunction against any sale

again - who pays the attorney fees @ $250 pr hr

Oh ... I see you figured out the word wasn't actually supposed to be 'INJURY'.  Glad you've cleared that up for us.  

madmax  (1000+ posts)      Fri Apr-22-11 06:44 PM
Response to Original message

12. Here's what I did when I cashed a check at the bank
 
authorized to cash my payroll check. I took the cash to my bank to deposit in my checking account when the teller promptly confiscated a 100.00 bill she claimed was counterfeit. I told her I just got that money from such and such bank. She called the manager over, long story short, I was told tough shit.

Went home ripping mad and out 100.00. I was a single working Mom at the time and could hardly afford 100.00 loss.

Called the local newspaper reporter who wrote human interest stories. I read his column daily and thought he might be interested. He interviewed me on the phone, wrote a story that was published the next day. The very same day it appeard in the paper the bank called and asked if I could come in, they were going to credit my checking account for the 100 counterfeit money.

The reporter quoted me as saying, 'If I had gotten this bill from a gas station or a store I could accept the loss but, I received it from a BANK! Don't they know counterfeit money when they see it or were they trying to pass their loss onto me?'

I would call the Real Estate Office - speak to the owner and the Bank Manager and tell them they need to figure out how to pay your legal fees of 250.00 and your time or you will go to the newspaper. Worked for me but, that was 20 years ago. Time have changed and we're usually screwed. But, might be worth a try, power of the press and all that.

Yeah ... this is BS.  Why not just deposit your payroll check into your checking account?  Hmmm.  Curious.

MrsBrady  (1000+ posts)     Fri Apr-22-11 07:39 PM
Response to Original message

21. AFTER everything is cleared up
 
ask this same attorney to send WHOMEVER it was that f'ed up to pay up lost $$ (wages, gas, time, lawyer fees, etc...) to clear up the problem...
or you WILL SUE to recover your lost money.

Yeah, lots of calls to SUE their pants off ... over a typo.  I can understand because NO ONE should EVER make a typo.  The DUmmies would never do that ...

On and on it goes.  It probably could have been solved with one single call to the real estate agency involved but NO!  You MUST hire an attorney first then threaten to sue because BY GOD no one and I mean NO ONE should EVER make a typo.  Just go to DU and you'll see what I mean.  Never a typo anywhere.

 

KC

[GOBUCKS]

Is there such a thing as a payroll check that can only be cashed at a particular bank? Then you have to hand carry the money to a second bank to deposit into your checking account? In fact, do people even get payroll checks anymore, instead of direct deposit? Do normal people ever have these DUmp democrat bouncy problems?

[DumbAss Tanker]

My. my, what a lot of overreaction to a minor, easily-fixed error...ironically from the very crowd that strenuously and continuously advocates for everyone's daily affairs to be completely taken over by an overwhelming faceless bureaucracy...

[vesta111]

Is there such a thing as a payroll check that can only be cashed at a particular bank? Then you have to hand carry the money to a second bank to deposit into your checking account? In fact, do people even get payroll checks anymore, instead of direct deposit? Do normal people ever have these DUmp democrat bouncy problems?

Some fast food places issue pay checks that only their bank will cash even if it is in the next State.

Happend to my daughter at a donut shop she worked at part time.  Her bank for some reason refused to cash checks drawn on the employers bank and 5 of the workers walked off the job at the same time.

[JohnnyReb]

Here's what is really happening...He's off somewhere working (growing pot in the wilderness), his wife has spent the house payment money on her boyfriends, she has also taken some counterfiet $100 bills for the pot and is now about to run off with the Coldwell Banker real estate agent as soon as they can sell the house.

[Randy]

I can think of 2 reasons to cash at the drawing bank and deposit cash into your own. 1) You're skating the thin line on creative financing in your own account and need to get cash in before the outstanding checks hit the bank. 2) Your employer is a wee bit shakey in his own financial house and it's prudent to cash his possible rubber check first so you don't get slapped by fees and potential trouble (again) by depositing his hot check into your account.

[debk]

Is there such a thing as a payroll check that can only be cashed at a particular bank? Then you have to hand carry the money to a second bank to deposit into your checking account? In fact, do people even get payroll checks anymore, instead of direct deposit? Do normal people ever have these DUmp democrat bouncy problems?

My commission checks are from not only a local brokerage, but also a local bank.

Several years ago, I used to bank at Regions, until I deposited my check one day...before 2pm...hit the grocery, and somewhere else that I can't remember, and that evening I paid my mortgage payment online which had a $5 surcharge for online banking, that was run separately. 4 items.

Regions charged me $120 for 4 items overdrawing my checking account. Which only could have happened by them running the mortgage through first($1500), cause there was more than enough in the account to cover the grocery and wherever else it was.

When I went into the bank to bitch, I was told that they hold all  deposited check monies not drawn on a Regions account for 48 f'n hours, and then it was AFTER midnight at the end of the 48 hours, before the monies are available!! And that if I wanted to avoid this problem in the future I should take my check to the bank it was drawn on, cash it, and bring the money to Regions. I have no clue if they still do it this way or not, because it was probably 5 years ago when this happened.

Said thanks, but no...I will just close my account here, and go open one at the other bank. Teller called over the manager and who told me I was being unreasonable...huh? Regions was the 4th bank to buy out the original bank that I first went to in the early 80's when I moved here. I'd had an account with them for over 20 years!! ...but as it was also pointed out to me, "it was not Regions" that I had the account with... Regions had only owned the bank for about 6 months, at that time. 

The bank that our checks were written from, at the time was on the first floor of the building my office is in. Went in an opened a checking account there...(we still don't get checks auto-deposit). Turned out, several agents with my company ended up doing the same thing after Regions held their checks too.

I could understand Regions holding a personal check if it was drawn on some little bank in West Bumble, Montana, but a commission check from a local business with over 600 agents plus an additional 30 or so employees, and drawn on a local bank?

[GOBUCKS]

My commission checks are from not only a local brokerage, but also a local bank.

Several years ago, I used to bank at Regions, until I deposited my check one day...before 2pm...hit the grocery, and somewhere else that I can't remember, and that evening I paid my mortgage payment online which had a $5 surcharge for online banking, that was run separately. 4 items.

Regions charged me $120 for 4 items overdrawing my checking account. Which only could have happened by them running the mortgage through first($1500), cause there was more than enough in the account to cover the grocery and wherever else it was.

When I went into the bank to bitch, I was told that they hold all  deposited check monies not drawn on a Regions account for 48 f'n hours, and then it was AFTER midnight at the end of the 48 hours, before the monies are available!! And that if I wanted to avoid this problem in the future I should take my check to the bank it was drawn on, cash it, and bring the money to Regions. I have no clue if they still do it this way or not, because it was probably 5 years ago when this happened.

Said thanks, but no...I will just close my account here, and go open one at the other bank. Teller called over the manager and who told me I was being unreasonable...huh? Regions was the 4th bank to buy out the original bank that I first went to in the early 80's when I moved here. I'd had an account with them for over 20 years!! ...but as it was also pointed out to me, "it was not Regions" that I had the account with... Regions had only owned the bank for about 6 months, at that time. 

The bank that our checks were written from, at the time was on the first floor of the building my office is in. Went in an opened a checking account there...(we still don't get checks auto-deposit). Turned out, several agents with my company ended up doing the same thing after Regions held their checks too.

I could understand Regions holding a personal check if it was drawn on some little bank in West Bumble, Montana, but a commission check from a local business with over 600 agents plus an additional 30 or so employees, and drawn on a local bank?

Sounds like me. I started with First American, have Regions now, with one or two others in the middle. Never had any real gripe with them, but I've had direct deposit. I have deposited some pretty large corporate checks, though, without having a hold. Maybe the direct deposit deal has something to do with the policy. The only thing I don't like is that online transactions, except transfers between accounts, just sit there until after 11pm before they're reconciled.

[diesel driver]

My commission checks are from not only a local brokerage, but also a local bank.

Several years ago, I used to bank at Regions, until I deposited my check one day...before 2pm...hit the grocery, and somewhere else that I can't remember, and that evening I paid my mortgage payment online which had a $5 surcharge for online banking, that was run separately. 4 items.

Regions charged me $120 for 4 items overdrawing my checking account. Which only could have happened by them running the mortgage through first($1500), cause there was more than enough in the account to cover the grocery and wherever else it was.

When I went into the bank to bitch, I was told that they hold all  deposited check monies not drawn on a Regions account for 48 f'n hours, and then it was AFTER midnight at the end of the 48 hours, before the monies are available!! And that if I wanted to avoid this problem in the future I should take my check to the bank it was drawn on, cash it, and bring the money to Regions. I have no clue if they still do it this way or not, because it was probably 5 years ago when this happened.

Said thanks, but no...I will just close my account here, and go open one at the other bank. Teller called over the manager and who told me I was being unreasonable...huh? Regions was the 4th bank to buy out the original bank that I first went to in the early 80's when I moved here. I'd had an account with them for over 20 years!! ...but as it was also pointed out to me, "it was not Regions" that I had the account with... Regions had only owned the bank for about 6 months, at that time. 

The bank that our checks were written from, at the time was on the first floor of the building my office is in. Went in an opened a checking account there...(we still don't get checks auto-deposit). Turned out, several agents with my company ended up doing the same thing after Regions held their checks too.

I could understand Regions holding a personal check if it was drawn on some little bank in West Bumble, Montana, but a commission check from a local business with over 600 agents plus an additional 30 or so employees, and drawn on a local bank?

Bank of America does the same thing with my payroll checks, holds them for 24-48 hours, and mine are from the USPS!

[thundley4]

Whoa.  I get my check on Thursday afternoons, but the checks are dated for Friday, yet my bank cashes them with no problem.

[Chris_]

[Evil_Conservative]

Bank of America does the same thing with my payroll checks, holds them for 24-48 hours, and mine are from the USPS!

Bank of America pulled that crap with my husband back in 2005.  They told him he made "too much money" for his age and held the check for 48 hours.  Our rent check bounced as well as a few others.  It was so embarrassing.  My husband closed his accounts with Bank of America and started using his Wells Fargo account more often.

[Chris_]

BofA got hit by a class-action lawsuit a few years ago based on how they were handling deposits to checking accounts.  They lost.

I stopped doing business with them in 2001 after my reasonably-timed deposit showed up after they drafted my rent payment.

[BEG]

Bank of America does the same thing with my payroll checks, holds them for 24-48 hours, and mine are from the USPS!

We have BofA and they never held my husbands paycheck.  Well his are/were direct deposit so maybe that's why.

[diesel driver]

We have BofA and they never held my husbands paycheck.  Well his are/were direct deposit so maybe that's why.

You're probably right.  Anything we have direct deposited is available immediately, deposits take up to 48 hours, usually 24.

I have raised hell with them on a few occasions about the timing of deposits and debits to my account, that resulted in overdrafts, and have gotten the overdraft fees reversed.

[debk]

You're probably right.  Anything we have direct deposited is available immediately, deposits take up to 48 hours, usually 24.

I have raised hell with them on a few occasions about the timing of deposits and debits to my account, that resulted in overdrafts, and have gotten the overdraft fees reversed.

It was First American here too, it was also AmSouth. Both of them were really easy to get along with too.

I think the difference with direct deposit, is that the funds are wired into the account, as opposed to a check and waiting to see if it bounces.

It might have made a difference if I had gone to the bank branch that I usually went to, I just happened to go to the one a block from my office. But I don't know....the branch manager - that I knew - retired when Regions took over.

[Freeper]

Sometimes being in a small town helps.

Several years ago I went and deposited my paycheck into the account at Bank Of America.
The next day I checked the account and it didn't show up. I went into the office and talked to the lady she told me that somehow it didn't get submitted correctly and it would take a couple of days to clear up. She then went into her computer and posted a couple hundred dollars to the account to tide us over until the main office fixed it the following Monday. This was a small NV town we didn't even have a wal mart.