Can you tell what this means? Background: I submitted a
Can you tell what this means?Background: I submitted a complaint about a loan servicer to Consumer Financial Protection Board. It was right after the loan servicer had sent my loan to be serviced by another company, but it was unrelated to that.This is what CFPB replied:Subject: Your submission, number xxxxx-xxxxx"We reviewed the complaint you submitted and sent it to the company for a response. The company was unable to respond to the complaint without authorization from the consumer. At this point, no further action will be taken on this complaint. The consumer can submit a complaint on his or her own behalf or authorize someone to submit a complaint on their behalf."I submitted it on my own behalf, for what it's worth.I was not contacted by anyone seeking my authorization.In my view and that of most people, the act of submitting a complaint on CFPB means that CFPB will contact the company and will invite the company to respond to specific allegations with specific information.I will submit it again and include the loan mod contract documents and application form. I will not include my loan payment history or any loan statements. The loan is in good standing and has been for years.I would like to include a signed authorization stating that the company may discuss the enclosed documents with CFPB.Is that a good idea?Also, does it sound like this loan servicer is playing around?
I have a will, but I want to know if I can add to the will
I have a will, but I want to know if I can add to the will in longhand asking that a certain amount of money be held to give to each of my grandchildren to help pay for part of their weddings. I have already helped two of them and I want to be equal.
In 1976, my husband, a retired USAF Major, and I, got an
In 1976, my husband, a retired USAF Major, and I, got an uncontested divorce in Galveston County, Texas. In the mutually agreed divorce, it stated that I would get one half of his retired Air Force pay for the rest of his life (and of course, my life, should I precede him in death). We also worked out an amicable agreement as to how it would be paid. His next wife insisted that he take me back to court and try to get that changed, to no avail, and at that time, at Harris County, Texas, Court, a mediator met with my ex-husband and me and we drew up a solid, accepted, codicil (I believe it was a codicil)that he would pay, directly to me, the one half of his gross retired pay...either sent directly to me or deposited in my chosen bank. He has done this for all these years, with very few problems and I had no complaints; however, he fell about a week ago and broke his hip and his wife did not bother to call 911 until my son could get up there and demand to talk to his father since they talked most every day and he could not get hold of him for two days....he demanded she call 911 and needless to say, my ex-husband is in the hospital, recovering from a very badly crushed hip. He is in and out of cognizance and here it is July 1st, my check is supposed to be in the bank on July 3, no later, and I am 83 years old and have no other means of income and I cannot find out how or what or if I can get my money any time soon. I live from payday to payday and have no money to pay my rent, buy groceries, nor pay my bills....What do I do? Ms. Cleo ******(###) ###-####***@******.***...My son is in the process of trying to get help for his dad through the case workers as his wife is a dingbat, proven by not calling the ambulance when needed....he lay on the floor for three days...
I am a 77 years old woman and live in The Woodlands TX. My
Hello: I am a 77 years old woman and live in The Woodlands TX. My 85 yr old brotheris a rancher in Harding County NM. He has no wife or children. I am his heirand executrix. At the event of his death, may I sell the cattle as soonas possible, even before probate which may take a long time?This actionwould be to protect these assets (as they will die in the winter without beingfed) and I am old and far away. This is driving me crazy with worry. Brother will not bemaking logical arrangements himself or codiciling his will - he is old, deaf, and thinks everyoneis after his money. Bad of me to say; but he is a stubborn old cadger that I love very much.This is a followup question to one I asked previously about "substitute" personal representative. I m trying to do due diligence before bad stuff happens and I have to take some kind of actions.
Counselor at Law
I have a two-part question:I am the POA (full) and MPA
I have a two-part question:I am the POA (full) and MPA (medical) as well as executor of the estate for my mother, whom I have been taking care of for many many years. I told my mother at the time of the will that it would be fair with all of her children with equal share. The assets are not large, typical home, savings, bonds etc. Since the execution of the will, I had it done locally; her daughter had mental health issues and had gone through a series of problems. She withdrew herself from her mother's life last year, we have not seen her since late fall / winter of 2015. Basically she does not care about her mother's health nor does she inquire as to her mother at all, and withdrew any responsibility for care taking responsibilities, which I have assumed all of them. Given this as well as her mental health and x-spouse issues (she was in a mental health ward of a hospital twice in the past 10 years and has an x-spouse issue where money is being fought over in court), it may be better if we remove her from the will. Can I prepare a letter as a addendum to the original will and my mother will sign it and I will give it to the attorney who did the original will and have him file it? Another will will require expense and stress at this point. I can also add in content in the letter regarding her daughter's issues and if her life straightens out, then she can go back on? Also her daughter was given all her mothers jewelry and money as well last year, I don't have any confidence that we will ever see this again, but any recommendations are welcome.My mother has a safe deposit box at her bank. I usually bring my mother to the bank once a year, but we haven't been there in two years. Given I have the full POA, can the bank prevent me from accessing her safe deposit box? If not, what should I bring? If they say no, what can I say to them, legally, to allow me access? My mother cannot get to the bank at this point. I have her on 24/7 aid and therapy daily and she is limited to her home and once a week I take her to the park that is all. Going to the bank will stress her out, as I have to handle everything for her.