Good Morning, We had some major technical problems during the last two days and it became almost impossible to get into any questions, new and old, so please forgive me for not being able to get to you sooner.
I have to agree with you about the 2 hours of sleep. I also have to agree with your other thoughts, but I do not make the rules,we just have to follow them. As for not being able to understand the people you spoke to, I can only say this, we, meaning the experts do not know where they are located, but I can certainly understand your frustration because about ten days ago, my computer was not responding and it kept turning itself off without any advance warning to me and I kept losing my information. I bought this Lenovo computer last November, so it is not even six months old yet. I needed some technical support from the Lenovo people, I called their toll free number and it was the most frustrating experience yet. I do not know if I was speaking with someone from India or the Philippines, but it does not really matter because I was on the telephone for almost 2 1/2 hours, but could not understand a word they were saying. So, believe me, I understand what you went through and sometimes it is necessary to raise your voice to accomplish what you set out to do by telephone.
I read your instructions, but the number that you wanted me to type in has been X'd out. The vomputers probably picked it up as a 'phone number' and removed it, so unfortunately, I am not getting anywhere. Even before when I accessed the site you gave me the link to, and I typed in "Citibank", a message appeared that said "Loading", but even after I waited, nothing loaded up. So, I do not know if I could access that information even if I had the document numbers to put in.
Please do not lose heart. My thought is, rather than have you waste more time, I would suggest that if you have the documents themselves you can send them as attachments.
The botXXXXX XXXXXne is that the entity who is actually doing the foreclosure must have the Note and Deed of Trust (Mortgage) in its possession at the time of the foreclosure. If they do not, then that omission is fatal to their foreclosure. So, in your situation, Citibank had to assign both the Note and Deed of Trust to California Reconvey. in order for California Reconvey. to conduct a legal foreclosure. I think it is important that you retain a local attorney as soon as possible, give him your information, and ask him to look into it, but tell him or her that they must act very quickly. You can also print out the pages from here and give them to the attorney, so at least they will have a headstart. I am only thinking of preserving and protecting your interests and time is very much of the essence. You can tell the attorney you retain that at this point, he or she should be looking for some technical flaws in the assignment and also in the foreclosure proceeding itself and if they did not follow the requirements as set forth in the law, that would be enough to set aside the foreclosure.
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