CFEARS

By April 2009, I no longer existed. We had
put our house on the market as that was
part of the "old" prescription for CHASE
Homeowners assistance -- pre 12/2008...and
had no offers for many months.My first
(11/2008) conversation with the realtor from
F.C. Tucker Company, Inc., was
straightforward...I wanted to list the house at
$150,000..I was told that was not possible,
the bank would never agree to that, but in
April 2009 an offer of approximately
$149,000 was made to CHASE, with fees
etc. to support the realty tree -- at a total of
$165,000 was accepted. That deal failed 2-3
hours before close, despite the buyer putting
$1,500 earnest money and 3% down -- killed
by an issue of self-employment 2 years
earlier. Then it was 4 weeks in manual
underwriting..no communication, strings
tightening. We'd covered all the territory
between $195-148,000 with no result.

The realtor exited at this time, his efforts and
our sale were going nowhere, Realty's
interest dead, and stacks of homes near
mine on a similar rope.

July, 2009, CHASE staff advsied me to move
back in -- we had left on May 4th at the
direction of CHASE and realty, so about
mid-July 2009, we reoccupied our house. I
was encouraged to apply for one of the many
"new" homeowners assistance packages
now the talk of all media, everywhere across
foreclosureland. After two months of paying
utilities to prove my residence, I did just that,
feverishly completing all the forms, updating
financial data and sending it off Express
Mail, confirmed delivered, but useless.

In late September, 2009 I was contacted by
CHASE, and told if I made a payment now,
"today," I could automatically qualify for a
loan adjustment or payment modification. If
not they were initiating foreclosure, mailings
to that affect were received at the same
time. But, what about my recent submission
for modification consideration? I was told by
the CSR, "I do not have time to get into that,
you can take advantage of this offer, or I
have to hang up." N I C E!, I said I would pay
$1,000 the next Thursday, .."thanks, your
contract is in the mail, ..click"

¦¦ wrote to Jamie Dimond , J. P. Morgan
Chase & Company, 2004–,
president and COO, for the 1st time in
December of 2008. We, well his office
filterers (staff) and I, would correspond a few
more times while my issues were
"considered", my case "reviewed" and an
equitable solution "realized." Over the next
15 months we have tred water expecting that
there would be no consideration, no review,
and no resolution, ...ever? Maybe? When?
If?

How to keep a home, devalued over 25%,
while treading the (right to work)
employment, health insurance, and realities
of our current USA? How? I am not sure yet
about the outcome, but the economic
illness, and prescriptions, are painful and
include ready doses of deceit. Mr. Dimond's
staff responded by offering a review from the
Executive Outcomes office (see documents),
where I was passed on to Ms. X, Mrs. Y,
and Mr Z -- you probably have heard of
them...then I was left with...nothing, as no
one responded to me, again.