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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.
I went on vacation to Florida and to make a story short
I went on vacation to Florida and to make a long story short after driving 700 miles we arrived at a house that was a disaster. We ended up cleaning the place ourselves and of course I will be giving the house a bad review on the website. Of course the owner knows I'm going to do this. During the stay on Friday (the day before departure) we needed a couple of children's life jackets to go on a boat excursion that departed 2 hours north of our house and the owner gave us permission to use 2 jackets that were at the house. We decided at the spur of the moment to pack and leave on that Friday morning and not return since it was 2 hours closer to our home in North Carolina. So the life jackets ended up in NC. Since the owner knows I'm going to give him a bad review he has threatened to charge me with theft of 2 life jackets if I communicate with him in anyway or give his house a bad review. So the question is can he actually do this with me being in another state and if so would I have to show up for court. Just a note, after we found out the owners real name he has been indicted in 2014 on 19 counts of vacation rental fraud and assault on a code enforcement officer for dumping a 5 gallon bucket of urine on him. I'm pretty sure he is violating the code as we speak. He refers to the house as a 6 bedroom with one of the br being in a storage building with window air unit and another in an oversized laundry room.
In a run off the road incident, my car (not my fault)
in a run off the road incident, my car (not my fault) insurance lapsed/still making payments on the car---insurance denied claim. I have no funds to repair it.what are my options?i am doing voluntary repo. taking car back to dealership. (had car 2+ years)what happens now?? will i be sued? will it go on my credit? am i in deep dish doo-doo?signed, broke as hell.....
I live in NJ. I was at a stop sign with an obstructed view.
I live in NJ. I was at a stop sign with an obstructed view. I had stopped and made an effort to ensure the road was clear that I could pull out and make my turn. Unfortunately, I misjudged and someone was coming and they hit me. I was ticketed with a Careless driving ticket. I do not believe this is careless driving. Could this be reduced to a lesser charge with no points or at the very least a failure to yield?
We live in Palmdale, CA. My son lives with my parents in San
We live in Palmdale, CA. My son lives with my parents in San Jose when college is in session. But he comes home during breaks and his permanent address is still my house. My son was pulled over driving my parents car back to their house from break. The officer noticed the car was registered in San Jose but his drivers license had a Palmdale address. My son said he was going "home". Meaning back to my parents for college. So the officer gave him a ticket for having the incorrect address on his license.I believe he should keep my address on his license since this is his permanent address. Is this correct and if so what should he do about the ticket?
Do you have to be physically present to fight a ticket in
Do you have to be physically present to fight a ticket in court? My wife received a ticket on an indian res. today in northern CA but lives in Orange county. She believes the ticket was a set up as the cop would not show her any evidence of her speeding.JA: Because traffic laws vary from place to place, can you tell me what state this is in?Customer: CaloforniaJA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: No, it seems pretty simple. Just cannot drive back to the court assignedJA: 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.
I had a traffic accident where I was t by a yellow cab that
I had a traffic accident where I was hit by a yellow cab that was not insured. I contracted with a lawyer, Nicole Pacella, with whom I went to deposition and several months. One day I called her office to update her and was told she had RETIRED. They aid they had assigned Anthony Chiarello to my case. I got his email address and proceeded to introduce myself to him. He answered my email wondering why I wanted to argue with him. I thought I was communicating.The next email I received from him was to "remind" me of the mediation we were scheduled for "tomorrow". I had no information re it.He drove me to the mediation at the office of Mr. Shapiro in Sunrise. During the drive he told me he did not know why we were doing this but I should keep my mouth shut and he would probably learn something from the meeting because he usually did. I pointed out that you cannot go to court in this County unless you first go to mediation.He told me that maybe I should find another attorney. Then he immediately backed out of that. I called the lead attorney to ask for help and received notice that they were taking me to court to withdraw from my case!Now I am having trouble finding an attorney. This is an uninsured motorist case for which I have two policies. It happened 10-21-11 and I have been under the care of several doctors during the entire time with the same complaints. Pacella had planned a jury trial. I probably have $15,000. in outstanding doctor bills. The first neurologist told me not to go to work ( I would heal faster). He wrote it on a Rx. As a result I have lost my business of 39 years.
I am looking to purchase a limo and possibly 'rent' it out.
I am looking to purchase a limo and possibly 'rent' it out. I do not want to be a full service limo company and have to go through the Public Service Commission here in Nebraska. Is there anyway I can just 'rent out' the limo where they drive it or hire their own driver for it kind of like a car rental place? If so, what regulations would I need to go through for this?
I have a situation with a credit card that posted a lateView more legal questions
I have a situation with a credit card that posted a late payment to my credit report. I explained that the I was out with an illness during the payment period and also did not receive a statement. I have made a payment today to bring things current what actions do I have to undo the damage to my credit report.I have never been late before.