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On 6/15/16 my wife and I closed a mortgage re-finance on my
On 6/15/16 my wife and I closed a mortgage re-finance on my primary residence with Deseret First Credit Union(DFCU) with Meridian Title(MT) in St. George , Utah. During the closing we realized that the payoff amount for D.F.C.U. was incorrect by several hundreds of dollars, and had us coming to with $688.41. We told the closing agent for M.T. that we did not want to sign an incorrect closing settlement, he assured us that it was a merely formality and he would get it corrected but to go ahead and sign not to slow the process down. We reluctantly signed the signed the closing statement, relying on his promises. He called D.F.C.U. during the closing, and we told we would be receiving a revised update statement by the end of the day 6/15/16. We told him that we would not provide the needed funds to close until we had a correct closing statement. On 6/16/16I received a DocuSign email from our D.F.C.U. loan officer with a revised closing statement with a different payoff amount but still an incorrect pay-off. I immediately responded via email that the pay-off was wrong with the subject line: Payoff is wrong! I received an automated response to his email, with my subject line of Payoff is wrong! In the subject line. The automated email stated that he was out of the office until 6-21-16 to please call(###) ###-#### ***** I did and got a voicemail. I didn't leave a message because I would be working all day and leaving early the next day for a wedding out of State. There was not a rate lock on the loan, so I was not worry about a rate lock expiration. I figured that we would get it all figured out when I returned and the loan officer returned the following week on 6/21/16. I reached out to our loan officer 6/22/16. I asked our loan office what was needed to finalize our loan, to my absolute stock I was told that the recorded and funded on 6/20/16. I told him that a never received a corrected closing statement nor did I provide any funds to close the loan. The loan officer told me that would he call M.T. and get back with me. I received a phone call back from the loan officer about 45 minutes later stating he gave us a lender credit of about $100. and with corrected payoff it was enough to close the loan. I was stocked again, because I still did not know what the correct payoff was. I was also stocked because our loan that had supposedly re-financed was still active on D.F.C.U. on-line banking service. I told our loan officer he needed to immediately provide us will the final closing statement with the payoff amount so I could review it. I did not hear back from again until the next day when I received another DocuSign email with a closing statement still with still an incorrect payoff amount, which was not the payoff used to close the loan. I again immediately responded to the email that we would immediately sign once the payoff amount was corrected. Since, I didn't hear back from the loan officer I called him at 4:00 pm and left a message. He returned my call about 30 minutes later, stating I would have the corrected payoff information immediately and that my loan that we supposedly re-financed would be reflected as paid off, and that the on-line banking system would reflect this by the morning of 6/25/16., since the system needed to be updated overnight. I told that loan officer that I would be making a payment on the original loan if this was not taken care of as promised. On 6/25/16 I had a chance to review the documents that were recorded against my property, I learned that the Deed of Trust recorded had my first name spelled as Willaim not William, and that the closing agent who was also the notary had corrected the documents. He initialed one of the changes. This is very problematic because it is a misdemeanor for notary to notarize a document that he was a signer. Upon further review I realize that about half the documents have my name spelt as Willaim not William. By the close of business on 6/25/16, I had not received the corrected final closing statement and my original loan was still showing active on D.F.C.U on-line banking system. It was decided that we would re-affirm our original loan, because this loan had become an absolute nightmare for us. The next morning 6/26/16 I purchased a money order in the amount of $10.00 an made a principal payment on my original loan through the Drive-thru teller line at D.F.C.U. This payment was accepted and principal balance was decreased by $10. Then on 6/27/16( a full week after problematic loan had funded and been recorded) I made another principal payment on the original loan. Then I called the escrow manager at M.T. and shared the horrors that I had experienced with the problematic loan. He told me that he would speak with D.F.C.U and his staff , then report back to me. Many more problems with this loan, however I have run out of characters. How should I proceed.
May of 2015, I called a company located in CA. that makes
May of 2015, I called a company located in CA. that makes ability boards for physically challenged citizens, and inquired if one could be customized and delivered for a dedication to a non-profit organization before or by a scheduled luncheon,November 8, 2015. Confirmation on the make, sale and delivery was made. Price tag: $7,000.00 pre-paid. Invoice mailed to me.November came, no board. The seller did call to ask if delivery could be made in January of 2016. I rearranged dedication date to accompany his request. January, February and March went by. No board, no calls, no contacts or connections. Ending of April the merchant call me to say the board has arrived. I told him because of the new arrangement, the board need to be delivered to my house.When he arrived, everything came in separate parts. Nothing was packaged or shrink wrapped. I ask if this was a new board, he told me it was. I asked if the special calligraphy writing was imbedded in the board as I ordered, he told me it wasn't. I told him to just place the pieces in areas in my garage and that I will look them over when I get back from my three weeks overseas, which I was leaving in a few days.When I came home and checked the items out two days later, I was very distraught. The board and various accessories were not new at all and in bad condition. He pawned an old, used and damaged board on me. I called him right away that I was not accepting the board and that I was very unhappy about him not keeping to his commitments. I told him he need to pick this board up and give me back my money. H hung the phone up on me. Before he did, though, he said something to the effect of..."you wanted a board, I got you a board and that board you got is what you paid for".I want to give him or the company he does business an opportunity to mediate the money I paid to have a board made for me. If not, then I will make this subject to sue.Is this a case I can go into court by myself and rely on the judges decision or should I take council?Thank you for advise.
I was living in a small Travel trailer and the owner
I was living in a small Travel trailer and the owner discussed several time about putting her property up for sale, I asked her what she planned on doing with the trailer and she stated that if I had a place to put it that I could have it , It would be a gift from her & Van. On March 4, 2016 she brought a letter stating that I should be completely moved out by April 30, 2016 and stated that she is giving me the trailer and would transferring the title over to me at her expense. This letter is dated & signed by her. Now she has found out how much it would cost because she has not registered or tagged it since 1993, she refuse's to fill her agreement, What can I do legally. I should not have to pay all these fee's. Breach of Contract.
Misrepresentation in federal court. My ex-lawyer sabotaged
Hi Pearl. Misrepresentation in federal court. My ex-lawyer sabotaged my case so badly that I suspect he was corrupted by opposing counsel. I lost MSJ in a retaliation case.JA: You're dealing with a tough issue. But don't worry -- you're in good hands. I know the lawyer has information that can help.Customer: thanksJA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: Defendants won MSJ in federal court because my attorney severely misrepresented my case. He didn't submit evidence, didn't dispute many of the defendants' findings of fact, didn't mention that they lied under oath and that I had proof of their perjury. My attorney submitted "my" response to the MSJ without showing it to me first and getting my ok. I asked the judge for reconsideration but he denied because evidence should have been entered previously. The judge also wrote that it would not have changed anything anyway because I 'couldn't prove' the causation in the retaliation. However, Reeves only requires proof of pretext not causation to get case to court. I could show pretext as the defendants changed their story and their reason for their adverse actions. The judge also refused to accept the "1000 small cuts rule" as it came from an appellate court in a different federal circuit. The district court judge's ruling now hurts my chances for a malpractice lawsuit. :(JA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Lawyer about your situation and then connect you two.Customer: If there is a chance I would like to appeal the SJ.
My ex girlfriend and I bout signed car loan that she refused
My ex girlfriend and I bout signed for a car loan that she refused to make the payments on time I've taken the car from her do i have any recourse against her for the difrence of the loan and the cars value and can i get it ordered that she sign the title?
Yesterday I arrived in Austin, Texas to an apartment I had
Yesterday I arrived in Austin, Texas to an apartment I had viewed online and signed a lease for based on photos (of a different unit) and a 1min 30sec digital tour of the apartment. Once physically in the apartment I found it not to be in livable condition. Aside from obvious aesthetic things like it being filthy and missing a drawer in the kitchen, the dishwasher is filled with disgusting, stagnant water, there is mold and mildew in the bathrooms, large holes in the wall above the baseboards, and cockroaches among other bugs both alive and dead throughout the house. My girlfriend and I stayed in a hotel last night and told them that we refused to take ownership of the apartment in it's current condition. At this point, it seems like they will likely not agree to the necessary repairs of the apartment, and I would like to know what leg I have to stand on in that situation.
My question is an issue with Restitution.I have been onView more legal questions
My question is an issue with Restitution.I have been on Probation for 2 years and 10 months and will end in 1 and 1/2 month.No violations.On my sentence I was to pay Restitution to theGovernment.When I started Probation I had no property,car or Bank account. Because ofthis Financial situation my only income was Social Security.The Probation Officer orderedto take 15% from my Social Security without reporting to the Court and this has been the case until now.One month ago I received by mail a form from the Probation Office that I hadthe right to a Hearing and Public Defender but I could sign the form and waive my rights.They should have reported this situation a long time ago.Of course I did not sign it and sent a Petition for a Motion to a Hearing and Public Defender to the District Court with the Judge that sentenced me.He denied the Petition.I do not understand when this is a legal right.I would like to know my options and what you think about this case.Thank you:Manuel Fernandez.