This is bad. You may need to transfer to another lender and they would possibly give you a mortgage but with a higher rate. This is an agreement you did with the lender - pay your mortgage on time. Late payment once is not an issue if you talk to them but frequent late payments - you are lucky they did not call in the mortgage as say you are in default of your mortgage. Default means they can start the foreclosure process. If you are in Ontario and you have debts beyond your income, call me and maybe we can restructure your mortgage and debt payments to a more affordable payment program.

Powered by

A ticket was mistakenly not paid, car was impounded in los angeles. son took care of all issues regarding an abstract and license renewal, was waiting for the dmv to receive abstract for a total of 11 impound days. on day 12, son went to police dept to obtain release from the impound and was informed the financier, wachovia bank, had arrived an hour beforehand and took vehicle. all payments on loan are current and insurance and registration free and clear. bank would not return calls for 5 days or any information or how to obtain the car. after many calls, finally was told the bank would not release car, and would be selling it off at auction due to the impound. would not give any possibility of paying them the tow fees back or even discuss other than their "impound is why we are taking the car." were told by the bank legal department that the vehicle had been there over 30 days... clearly mistaken information. have any idea what direction to head? cannot even work w/o a car !

Try legal assistance- a lawyer may be able to file, and block the sale. There are also free legal advice websites like freelegaladvice.com ---google for others. Keep complaining to the higher ups, take notes and document all conversations. Try the CEO of the bank. Bottom line is read your loan agreement, you may not have a case, even so try appealing anyway, you may get someone to intervene if your stress the hardship and poor customer service and how this would be a blight on their reputation and integrity. Also does your local newspaper or news have a citizens help line? Or write letters to the editors. File a complaint with the BBB. Research what State Department oversees and regulates wachovia and contact them to complain and enlist their assistance. Good luck!

Powered by

I was forced to exit my company by my partners about 2 months ago. now some of the commercial notes are up for renewal. the banks would like my financials do i have to sign on these renewals...or will they just have to refinance. is there going to be an issue with my credit if i refuse to sign?

Do not sign the renewals without first talking to an attorney. If your partners financials are so weak that the bank will not extend the notes on their credit, you have avery substantial bargaining point. On the other hand, the bank might decide that they are so weak that it will call the niote and pursue YOUR assegts. You need legal counseling.

Powered by

Which of the following contributed to the poor american performance in the war of 1812? 1. the nation was deeply divided about whether to go to war. 2. the war in europe had ended before the war of 1812 began, and the british were able to pay more attention to the war. 3. the renewal of the charter of the bank of the united states prompted other banks to refuse to help the government to fund the war. 4. madison’s opposition to a standing army meant that the united states had no military in place when the war began. 5. spain invaded georgia from florida, diverting american forces.

Nah, the Canadian Militia just kicked American butt. We're the ones that came down and sacked Washington, and burned the President's house. They painted it white to hide the burn marks, and it has been called the White House ever since. True story. 1 - true 2 - false. The war in Europe continued, which is why there were actually few British troops to fight. They hired Hessian (German) mercenaries, as the British Army was too busy in Europe. 3. don't know 4. True, but neither did British North America (Canada). The war was fought mostly by militia and loyal Native warriors. 5. - not sure about this one, but I though the Spanish were gone from Florida by then.

Powered by

I got a visa to the us to attend my sister's wedding. i stayed and left within 3 weeks as requested. since the visa is valid for one year up to six months stay - i returned to the us again. my sister was having complication with her pregnancy because she's diabetic. the doctor ordered bed rest and was on the iv machine 24 hrs/day. i stayed up to five months - spent the holidays and saw the birth of my first nephew. the us consulate denied my visa renewal saying that i overstayed. i have a house, a large sum of money in my bank account, 15% ownership in a multimillion dollar family business. i have strong ties to my country but the us consulate is holding the five months stay against me saying that i can’t perform my work. they refused to accept the fact that with technology nowadays, i can telecommute. will the us consulate ever approve my visa again? will they ever get over my five months stay? should i wait 3-5 years to reapply? is there anything i can do? please advise.

Since money is not a problem, hire an attorney. Don't do this yourself.

Powered by

I have a small or big problem (not sure how big it is). i need to renew my german passport in the uk and my appointment is on monday the 10th of may. i just went through the check list to make sure i have everything. now here comes the problem it is asking me for my deregistration from germany abmeldebestätigung. i do not have one as when i first came here i had to use my german address as prove of address at the bank when i worked as an au pair as the family i was with was not willing to register me under their address. i later moved and applied for a national insurance and registered to my uk address. i was until now never aware i had to deregister or i would have done so i there anything i can do or are they going to refuse me my passport renewal?

My boyfriend is German and I don't think he's ever had a problem with it. The best thing to do is ring the Embassy and ask them.

Powered by

How does a subordination of mortgage provision in a lease help protect a landlord? i'm trying to figure out why a landlord would even add this provision in? if a rental gets foreclosed on, isn't it the bank that has to deal with the tenant and the landlord no longer has any involvement? how does a subordination of the mortgage clause help protect a landlord? a clause such as this ""16. subordination to mortgage this lease and all renewals of this lease shall be subordinate to all present and future mortgages on the house and grounds. in a sale of the house and grounds arising out of a court proceeding known as foreclosure, the holder of a mortgage on the house and grounds may end this lease. the tenant shall sign all papers needed to subordinate this lease to any mortgage on the house and grounds. if the tenant refuses, the landlord may sign the papers on behalf of the tenant" i don't understand what the landlord is trying to protect if it's the bank that has to deal with the tenant? can you shed any clarity? my lease is up for renewal and i'm definitely going to argue this clause, i want to his side before aruging to create a compelling argument.

When you do a mortgage on investment/rental property this language is in the closing docs & the owner must agree. He is supposed to insert this language in all lease agreements. Most don't however. He is just covering his self.

Powered by

I'm an year 1 legal student and i came across this immigration case. (reason for this not being on the immigration category is beacuse it's now a law suit) the applicant made an application for a student visa renewal, homeoffice accepted the application, after-wards the case worker realized they couldn't process the payment as they couldn't read the last two digits on the application fee page. they sent a letter to the applicant stating that they couldn't read the last two digits and sent a new payment page, keeping the rest of the application. on the letter sent it was stated the date they received the application, however they sent back the letter and the new payment document to be filled on the exact date the applicants visa expired. therefore when the applicant would re-fill the payment page and send back, this would be after the current visa expiry date. they kept the application without a responce for over a year and stated that by then, his/ her university degree would have come to an end and therefor they do not need to be here and have refused the extension visa and have given no appeal right stating that the application was made after the expiry date. but the university had differed the course date due to lack of students and the applicant was still attending university at this point in time. the applicant files judicial review and the lawyer representing the homeoffice request he makes a new application and the application would be regarded as a fresh document without involving or carrying across any influence from the past application that was refused. and put a stop to the judicial review. the applicant make a fresh application, with all the evidence to support his university course, funds available etc. note that when the previous application was refused the passport was not released to the applicant, therefore the application was made without the passport but stating that it was with the home office. within the meantime the applicant was requested report and sign every once a month at a center 22.7 miles from his/her place of residence. recently they refused the application again, stating that the bank statement did not contain the required information. no detailed information on what it lacked.... after looking into the documents, i can assure that it did meet all the requirements, including the funds, details of the account holder and an authentication seal with the branch mangers seal and date on it. the applicant has now filed a judicial review, the homeoffice has failed to respond to their lawyer and the lawyer is now requesting more time to file a defence. the latest development is that now the place that the applicant is signing at, have told him/her that they do not have any information relating to his/her passport and are threatening him/her to sign a document that says the applicant lost his/her passport and would agree to go to the high commission of his/her country to obtain a new emergency passport. and this information was not put through the court, this was done without any advanced notice, only when the applicant visited to do the monthly signing.... luckily the application speaks for itself as the applicant has only signed the document and all the other information was filled into the form by someone else. the pages that were signed were blank papers attached to an application admitting the loss of the current passport and requesting an emergency passport. is it possible to obtain such information outside the court during a law suit? especially since the border agency is part of the homeoffice itself, any law suit against the home office should be notified to the border agency and they would require to demand any information etc.. in writing and keeping the court aware of the current situation, and to demand signing that you lost your passport and threaten with detention, for someone who has no criminal history? or have they just lost the passport and have no excuse and are trying to do the dirty work outside the court taking advantage of a vulnerable foreign student, hoping they would get frustrated and leave after paying a full university fee of over £25,000 ??? thanx for that compliment helen seven :) i wish i could add that comment on my cv :p actually i study corporate law, so i doubt if the lecturers are gonna be interested in an immigration related question. but this case was so interesting and i just felt that this was a typical case where people are using their professional capacity to intimidate someone who's on the "right" to cover up their mess.

Don't your law professors allow questions? Maybe you should transfer to a more user-friendly law school. You've got more legal training than 99.99% of the idiots on this site.

Powered by

This is a sample of how the rothschild cartel rolls, and they are still rolling, over murdock now, the only contest to their total info control. obama is a rothschild puppet as jfk refused to be 1790: mayer amschel rothschild states “let me issue and control a nation’s money and i care not who writes the laws.” 1791: the rothschilds get, “control of a nation’s money,” through alexander hamilton. they set up the first bank of the united states. a 20 year charter. 1811: the charter for the rothschilds bank of the united states runs out and congress voted against the renewal. nathan mayer rothschild is not amused and he states, “either the application for renewal of the charter is granted, or the united states will find itself involved in a most disastrous war.” however the united states stands firm and the charter is not renewed which causes nathan mayer rothschild to issue another threat, “teach those impudent american’s a lesson. bring them back to colonial status.” 1812: backed by rothschild money, and nathan mayer rothschild’s orders, the british declare war on the united states. the rothschild’s plan was to build up such a debt in fighting this war that they would have to surrender to the rothschilds and allow the charter for the rothschild owned first bank of the united states to be renewed. 1816: the american congress passes a bill permitting yet another rothschild dominated central bank. british war against america therefore ends with the deaths of thousands of british and american soldiers, but the rothschilds get their bank. 1832: president andrew jackson (the 7th president of the united states from 1829 to 1837), runs the campaign for his second term in office under the slogan “jackson and no bank!” this is in reference to his plan to take control of the american money system to benefit the american people, not for the profiteering of the rothschilds. 1833: president andrew jackson starts removing the government’s deposits from the rothschild controlled, second bank of the united states and instead deposits them into banks directed by democratic bankers. this causes the rothschilds to panic and so they do what they do best, contract the money supply causing a depression. president jackson knows what they are up to and later states, “you are a den of thieves and vipers, and i intend to rout you out, and by the eternal god, i will rout you out.” 1835: on january 30, an assassin tries to shoot president jackson, but miraculously both of the assassin’s pistols misfired. president jackson would later claim that he knew the rothschilds were responsible for the attempted assassination. 1836: following his years of fighting against the rothschilds and their central bank in america, president andrew jackson finally succeeds in throwing the rothschilds central bank out of america, when the bank’s charter is not renewed, 1841: president john tyler (the 10th president of the united states from 1841 to 1845) vetoed the act to renew the charter for the bank of the united states. he goes on to receive hundreds of letters threatening him with assassination. 1861: president abraham lincoln (16th president of the united states from 1860 till his assassination in 1865) approaches the big banks in new york to try to obtain loans to support the ongoing american civil war. as these large banks were heavily under the influence of the rothschilds, they offer him a deal they know he cannot accept, 24% to 36% interest on all monies loaned. lincoln is very angry about the high level of interest so he prints his own debt free money and informs the public that this is now legal tender for both public and private debts. 1862: by april $449,338,902 worth of lincoln’s debt free money (greenbacks) has been printed and distributed. he states of this, “we gave the people of the republic the greatest blessing they ever had, their own paper money to pay their own debts.” 1863: president abraham lincoln discovers the tsar of russia, alexander ii (1855-1881), was having problems with the rothschilds as well as he was refusing their continual attempts to set up a central bank in russia. the tsar then gives president lincoln some unexpected help. the tsar issued orders that if either england or france actively intervened in the american civil war, and help the south, russia would consider such action a declaration of war, and take the side of president lincoln. to show that he wasn’t messing about, he sent part of his pacific fleet to a port in san francisco and another part to new york. 1865: in a statement to congress, president abraham lincoln states, “i have two enemies, the southern army in front of me, and the financial institutions in the rear. of the two, the one in my rear is my greatest foe.” later that year, on april 14, president lincoln is assassinated, less than two months before the end of the american civil war 1881: president james a. garfield (the 20th president of the united states who lasted only 100 days) states two weeks before he is assassinated, “whoever controls the volume of money in our country is absolute master of all industry and commerce…when you realize that the entire system is very easily controlled, one way or another, by a few powerful men at the top, you will not have to be told how periods of inflation and depression originate.” 1913: the last and current central bank in america, the federal reserve, is set up during the presidency of woodrow wilson. 1917: the rothschilds order the execution by the bolsheviks they control, of tsar nicholas ii and his entire family in russia, even though the tsar had already abdicated on march 2. this is both to get control of the country and an act of revenge for tsar alexander i blocking their world government plan in 1815 at the congress of vienna, and tsar alexander ii siding with president abraham lincoln in 1864. 1963: on june 4t 1963: on june 4th (the 35th president of the united states 1961-1963) signs executive order 11110 which returned to the u.s. government the power to issue currency, without going through the federal reserve. 1963? that's jfk, then he warned us about them in his speech in columbia u, that a powerful group was trying to use his office to foment a plot to take the american people's rights and liberties, and that before he left office he would inform us of this plight ...10 days later he was murdered. http://www.bigeye.com/griffin.htm http://conspiracyrealitytv.com/secr ets-of-american-history-timeline-of -assassinations-presidents-in-oppos ition-of-central-banks-and-the-roth schilds/

The Rothschild Cartel just gets down and goes after what they want, and they have the money to buy off officials and control information. Their total list of ugly deeds, would fill volumes. They have openly attempted a one world government run by them, in the 1800s, and they are still after it by hood crook and extreme devious actions. The attack Murdock because he's a threat and their propaganda hasn't worked. It would not surprise me at all if they set up the whole scandal by paying people to hack cell phones. I'm sure it's part of their every day procedure to spy on people. They could have easily extorted or bribed someone in Murdocks organization to pull this crap. They would guarantee an easy sentence and a huge pay off. The Rothschild Cartel's hold on the world is more significant than Capone's hold on Chicago.

Powered by

I play a bit of online poker...depositing about £100-150 a month to one particular site. sometimes i make a bit, sometimes i lose a bit but i play it for fun as a hobby. one of my colleagues mentioned that a friend of hers has just been refused credit because they can see that she gambles online...however, with this particular person we are talking thousands and not hundreds! my mortgage is up for renewal next year and i was considering stopping playing for three months so it doesn't show on the 3 months bank statements you have to submit...anyone think this is a good idea?

I would suggest you send off to Experian or a large credit agency and get a copy of your credit file. It only costs a quid and you will know for sure. It will show any loans, credit cards bank accounts you have applied for and any defaults if you have any. Go ahead and do that for peace of mind. If anything shows up you will know well in advance and you can get things removed if they are unfairly affecting your credit. Best of luck.

Powered by

The property is set for auction in 30 days. we haven't paid him for this months rent(because he is avoiding us) our lease was due for renewal in jan. but was never signed due to his avoidance of all calls. and the property we are moving into wont be ready until 10 days after the bank takes over. my question is: what are my rights i feel we are just in limbo, am i in default of lease for not paying? we dont intend on giving him anymore money and will i be able to stay until our other property is available. las vegas nv. 16 hours ago - 3 days left to answer. additional details 14 hours ago nrs 118a.250 receipts for security, rent and other payments. the landlord shall deliver to the tenant upon his request a signed written receipt for security and any other payments, deposits or fees, including rent, paid by the tenant and received by the landlord. the tenant may refuse to make rent payments until the landlord tenders the requested receipt. (added to nrs by 1977, 1335) i am not a lawyer but i came across this. he has not came by to pick up the rent as agreed upon for rent money transfer therefore i can not get a reciept. no one told us of the default of loan to let us know but do to recent scare of foreclosures we researched public domain on the assessors site that it is in default he had no intention of even letting us know. thank you all for your replys to this matter 14 hours ago nrs 118a.210 rental agreements: payment of rent; term of tenancy. 1. rent is payable without demand or notice at the time and place agreed upon by the parties he is not returning any of our calls since the first of feb and he always shows up to collect rent at our door we pay cash and have all reciepts.

Your question about being liable for rent is Yes, you are liable for rent. Your rent is due whenever the lease states, as you, yourself state here. The thing about the receipt is that you have to ask for it, "upon request." If you do not normally request it then it is not expected and you would also owe any late fees. He can evict you now or even after you leave to recoop the funds, plus interest and all legal expenses and will win them in court. Your contract with him is still valid and enforceable regardless of his other contracts in which you are no party. His foreclosure does not give you license to violate the contract that you signed.