“I’m from The Bank”
By Wrongedfellow
With our smart phones we roam the ‘burbs
Taking photos of houses from the curb
“Who is that?” – you draw a blank
Don’t be alarmed – I’m from the bank
I’ll stop by each month for a visit
My job’s to report if somebody’s in it
They only pay six bucks for each “inspection”
It’s hard to find work when you’re on probation
You’ll see the charge as a “BPO”
At two hundred bucks it’s a lot of dough
They make a fortune off my “opinion”
But I’m not a broker, just a minion
I’ll ignore every sign of life I see
And report your house as a “vacancy”
The only insurance you’ll have on your place
Will be three times as much and force placed
Although your home is occupied
I’ll find a reason to come inside
If you hear me give your door a yank
Don’t be alarmed – I’m from the bank
I’ll drink your beer, let the dog outside
It’s the middle of summer but I’ll winterize
I’ll change the locks on all of your doors
Take what I can and come back for more
I wonder how much your TV will bring?
I make extra when I “Safeguard” your things
When it’s your property I’m “preserving”
I’m never charged with breaking and entering
“Call the police!” I’ll say with a swagger
They’ll just say it’s a civil matter
Cops turn a blind eye, whatever their rank
Don’t be surprised – they work for the bank
~
So you havent paid your mortgage, the bank sends someone to see if the home is occupied or abandoned, and you assault and threaten them?
Better keep doing that to scared women. Many of us are armed and you pull that crap on us we are within our rights to defend ourselves.
Pay your bills and you shouldn’t have a problem. If you cant pay and they send someone let them take the stupid pictures. They get paid 6-10 bucks PER HO– USE to take a picture and observe if the house is occupied.
They don’t hold your mortgage, they aren’t there to evict you, they aren’t a threat to you so why would you be so stupid as to risk going to jail over it?
Let them take the picture. (That is not only for the bank but to prove they actually came there so they can get paid) They will be on their way and out of your life. Simple.
As for the dog, if the dog bites, YOU are responsible for the hospital bills and lawsuit that can follow. And if the police show up they can-and sometimes do-put an aggressive animal down on the spot.
YOU are the one who signed the mortgage papers agreeing to pay. If YOU paid they wouldn’t be there. Since YOU didn’t this is the process that takes place. If YOU want to find someone to blame look at YOU in the mirror.
I work for the bank and j will say something fishy is definitely going on. Half the the time or all the time I have no idea why im there and all I can say is I’m from the bank or your mortgage provider and that’s it. Luckily I haven’t ran into any of yall on these post as there would be big trouble because I too have big guns and a license to carry. But I like to consider myself the good guy I tell the homeowners there options what to do how long they have to stay in home etc. From experience most people don’t know there rights leave the house abandoned and at that point rights are gone. So please spread the word the best thing to do us stay in your homes until evicted because a lot has to be done to evict.
Pay your fucking bills you deadbeat assholes. Your mortgage that you are not paying has right in the fine print that the banks can use occupancy inspectors. Idiots, you are the true thieves.
Scott,(and everyone that shares in his BS) if you hadn’t breached the contract that is the note and mortgage under the UCC, if you and your greedy, blood sucking, hell bound, back slicked hair, fat gut, coke head, lying ravenous split tongue thieves weren’t the cause for the current state of the housing economy, then maybe people could still pay their mortgage. However, you don’t deserve to be paid a dime after all you and yours have done and blame on others. Do you really think all that you greedy bastards have done will go unanswered. Life is like a wheel, what you put out is only starting to come back to you and you will get your evil returned ten fold. That’s the rule dirt bag and NOBODY is exempt. Your fate is sealed, enjoy you piece of shat…..:-)
What you don’t get is that we the “thugs” you speak of are sent by the bank to do inspections. We must do what the bank tells us or we won’t get paid. I’m a property inspector for Prime Star in Tampa FL. If your not paying your mortgage a bank send an inspector, if you refinance they send a inspector, if you go into bankruptcy as a condition of the bankruptcy you must allow pics to be taken every once in a while. Foreclosed homes are where I encounter the most hostile occs. We have every legal right to drive by or if orders permit go onto (never inside) a property to deliver door cards and or take pics of the banks assets. We you bought your house you borrowed money from your bank to do so, it’s really their property that your making payments to one day fully own. If you hurt a inspector, harass a inspector or threaten a inspector for trespassing your in the wrong. If you sue your wasting your money, 9 out of 10 times if your in foreclosure and your keeping up your property I report it as such and it helps you out in the long run. Chasing us off hurts you and accelerates the eviction process. The main issue I have are preservation workers, there are a lot of corrupt preservation workers. This is due in part to the fact that they are usually third party contractors employed by the actual preservation company owner who in turn works as a contractor for a company like mine. They steal, they screw up my job by reporting occupied houses as vacant, do Shotty work etc…. I also do insurance loss inspections and pre repo inspections on cars. We are not the bad guy, by the way I was trained by the DOJ to use a handgun and rifle so don’t try to shoot or even threaten to shoot me. Be careful boxing in or threatening to harm these guys many carry ARs in their vehicles for protection since we go to very bad areas.
If you people would pay your mortgages, this stuff wouldn’t be happening to you. Take some responsibility.
You have to love people homeowners and renters alike that want to live for free!!!! Then when you clean up their mess your stealing..you want to live for free is that not stealing? We have to blame someone.
I cant believe i am posting…..I am a “henchmen” of sorts. I was hired on after working as an accountant in my home town was unavailable to me due to lack of work in construction but the biggy is that i dont speak spanish. So i cant get work cause i only speak my home land language. Anyway, i thought this job was a “god send”. it worked out very well, i even made a ton of money at time. I am not intrusive, rude or care why they are sending me out. I am honest and do not bother you if i dont have to. If i am asked a question i answer honestly and advise you to please record, take pictures or call the police. I only once reported a property as vacant that wasnt cause it was a dump and neighbors said it was vacant.
I am finding that i am the unsual in my field of work. I used to do interiors but they got to dangerous with people breaking in and the banks taking things that dont belong to them. Also noticed that the preservation crews were stealing and the company i work for didnt seem to care. However, even through i now have an office job barely paying minimum i still need the income to take care of my family. I still do the inspections but only local and rarely have to speak to people since i have had most of the same address’ for 2 years now. I have forged friendships and given lots of great advise. so far the only positive to my job are all the great pets i get to meet ( really i love animals and that is my favorite thing about my job ), anyway, and the renter gets a heads up. they get a live person to talk to and after so long at this some good advise. I have heard alot of stories and the first thing i advise any renter to do is contact the local free lawyer geared towards renters. I also get to advise the homeowner that the best thing they can do is record conversations, document in a diary, take notes, keep everything that is said between them and the bank.
so that all being said, i apologize for the fact that my job is needed, i apologize for the fact that people suck and are taking advantage of people. it is bad enough that the bank are doing what they are, but then it gives screwed up people the ability to do really bad things to good people. I apologize for them too.
I am sorry for the economy and i wish everyone the best of luck with whatever is going on in their lives.
I caught these guys from 5brothers property management company . It is my parents home and they have a reverse mortage on. they never contacted the heir(me) about repaying the loan(not even 33% of the homes value) and they were hoping it was vacant. one day i took a walk to the store and came home and there was a large uhaul. so i talked with the guys, they seemed nice. I told them I had to work the next day, sure enough they came back, with the uhaul. but i was at home. the look on their face when i greeted them with a baseball bat with nail through it. 5brothers property management company has 2 other different contractors since this. all greeted with a warm smile and the same baseball bat,and a firm reminder of the law
I had them taking pictures, for over two years, they would park in the road, take pictures, stay there for 20 min. Each time w/their big camera. I’m a single mom w/a young daughter. America you have to defend yourself & your property. Have your camera always near the door, make sure the date stamp is on. If someone can keep a recording on a camera going do it. I would head right in the front yard up to the guys truck, take pictures of them, their vehicle, their plate number, be intrusive just like they are, let them know it is also being recorded. Then put that on YouTube, that is the only real, media source where the truth can be found, we have YouTube that is the way we connect, join hands, stand together and unite, we are the 99%, together we will stand divided we will fall. Take the time to expose, it is election year. It is now or never, stand up, stand tall, stand together. Get together w/people in your neighborhood talk to them, protect each other, when these hogs come to spy text your neighbors, if it is happening to you people show up right then at your house, your neighbor, people go there. Occupy together, stand together. Dogs are the best, they can’t be bought, a dog is a win, win, win. You save your dogs life, he will save yours, he will help notify you of the boogie man. Home supply stores (not home depot, bank of America owns them) have, electronic surveillance signs, dummy camers for $2.00 alarms that sound in the house if someone pulls in. Get big no trespassing signs, bull hors, air horns, signs saying smile your on camera, let them and the bank your dealing with your house has surveillance that is stream lined to occupytogether.org. Arm yourself, your home, own a gun and ammunition. Record every phone to your bank, put it on YouTube, it’s not illegal if you are 1 of the parties, ask who you are talking with, post names, numbers, videos, pictures, let the cops know the same, that you streamlined to occupy, we are the 99%, this is our country, they work for us, take some time to help others by occupying. Never move out of your property. Do not leave your home. Stand up America, protect our bill of rights, your kids can help w/Facebook. There is no reason for this, not with the world wide web. Consider not going to the movies, Hollywood producers, actors, movie makers are all scientologist, a scientologist founded NTC, fraud paperwork to steal your house. The time is now.
the banks are their henchmen are total hogs.
thanks, wrongedfellow for another wonderful poem.
banks AND their henchmen are total hogs.
everyone, check out getting a wireless camera that transmits to an outside server.
it will protect your videos of the criminal trespassers.
make sure you have a big sign that warns off the fraudclosure predators
that they are being videotaped and it is being sent to an outside server.
the crooks don’t want to be on youtube.
AND THEY KNOW THE TRUTH IS…PIGS GET FAT…AND HOGS GET SLAUGHTERED…AND HOGS ALSO GET EXPOSED AND THEREFORE HOGS…..DONT GET RE-ELECTED….!!!
Last Verse:
If one day you find me on the porch,
Facing the sky eyes cold and blank
The homeowner who shot me didn’t care when I claimed,
“I’m from the bank.”
oops better check my spelling when upset or excited!!
Great poem by the way…
The agents mail and solicit your room mates that are helping you to pay the mortgage, if home is rented out, the agents give them cash for keys even if current, the lender seems to think that is okay, so they can take the home back sooner?? who said they didn;t want your home? booha! After unable to trust anyone to be a room mate/or tenant whichever effects your situation you will clearly be in default, and now they have keys/garage door opener and when not home, I know that they have been in my home, creepy feeling, for a senior lady that lives alone!!! doean;t matter! juat waiting for the day too be locked out, and yes they asume whatever is there belongs to them!! call the police to no avail, it is a civil matter, not only do they not care, when it happened too me, I was walked out and they stayed!! legal ? of coarse not, but who do you think they would believe, you who stands alone, havevn;t made recent house papyment or the committee that has arrived to lock you out with either bank/or freddei fannie listing?? you have no rights!! the more honest the more you try to do the right thing the more you lose!! ha ha bet you think that I am kdding!!
Wow! Interesting…guess they think since they are negotiating a deal with the other criminals in power that they can now do anything…well I have my angels on guard…couple weeks ago I glanced out the window to see one trying to take pictures from his vehicle…not even trying to come out cause he saw signs of life there!!! That company is called Independent Securing Services, Inc…said BOA is their client and wanted to know if the property was vacant or occupied!!!! I said very much occupied for over 20+ years!!!! The I wondered what on earth does BOA have to do with my home????? I now think that they and other banks are reselling old notes they probably once serviced and never removed them from off their books are they are selling to each other hoping that they can intimidate the homeowners but they are making the huge error of factoring all homeowners in the same profiling….
Keep documentations guys of all your activities…do not throw away those old utility bills either as they are proof of your residence info…nor old credit card bills, etc…..
EVERYTIME, I see these dirt bags from the bank, I run them off, and I am not nice about it either!
Wow I must be one of the fortunate ones I never had this one come up maybe because I have always had big dogs that have indoor/out door access.Makes it alittle hard to do hombreaking if your being chased by a 100 lb. dog.
Big guns & big dogs help. when just one of fuckers get shredded by a dog, or shot by a home owner defending their home. Then this shit will stop. I wonder if the cops will still cal it a civil matter. I bet they will come and do a full investigation to make sure their was no wrong doing. Lets hope this B/S stops.
we cant keep on loosing this country to the banks.
My previous Broker’s husband owned a Property Preservation company. They would have very large Yard Sales and make tons of cash off the items they stole. I mean sold.
She has also recently opened up a store for stolen, I mean consigned or thrift furniture.
What is ironic about them. Their home is in foreclosure.
Karma’s gonna get them…
Put up a No Trespassing Sign ~~~ will be shot ~~~ lol ~~~ this is unbeleivable
My old RE Broker’s husband has a ‘Property Preservation’ company. She recently opened a ‘Consignment/Thrift Store’ kind of shop. Coincidence? They would have ENORMOUS yard sales in the yard all the time. Hmm where do you think they got all that stuff?
This economy and Real Estate enviornment have turned once good people into opportunistic thieves.
HOLY COW!!!!!! That is exactly what happened to me !!! I woke up one morning to find a woman snooping around taking pictures. She says dont worry Ill be quick I work for your bank.Nooooooo get outa here I say…..I caught her again a few times up on my property so I blocked her in with my lawnmower and called the police. The police came and gave me a lecture on “kidnapping” and wouldnt accept a complaint ???? So I went down to my local court house on the direction of my lawyer and I filed a crimminal complaint to be heard by the magistrate. I was notified a month later that the complaint was to be thrown out and stated laws from the late 90’s..?????
So, if I see her pull up….I let my German Shepherd out and he is a baby but very scary looking 110 pounder that moves towards the intruders with his head lowered….she runs for her car. I have a picture of her standing in front of her car after I blocked her in and she doesnt look happy….ohhh and get this, the police made me erase the pictures I took of her on my phone…but I managed to keep one of her and her l plate……….lawyers is on it!! War!!!
How can he legally have you erase those pictures? She should have hers erased…
Told ya they came into my home 3x and once thru a window they left unlocked. The name of the company that Wells Fargo uses is Corelogic. They destroyed my whold front door, my wood floors and spilled anti freeze on new carpets. I paid all my heating bills. It isn’t enough that they came at the end of Feb last year when all the snow was gone.I am going to court with them over this. I advise anyone else that has been thru this to press charges. It seems to be the one thing that a judge feels is wrong.
The first time they came by to take pictures of my house, and I live on a cul-de-sac, I blocked the road so the woman couldn’t leave the development in her car (SUV). Scared the living shit out of her. That was on a Saturday morning. Now they come by during the week when they know I’m at work. But if I catch them again, I will be the one taking pictures, license plates, etc. I also have big dogs that BITE!
How can you justify committing a felony in order to prevent a hard working American woman from doing her job? This woman has nothing to do with your loan. And scaring her accomplishes nothing.
oops…correction, I meant 2xs a month.
I can tell you that BoA tacks on $489 sometimes 2xs week to do a drive by inspection. They’re all criminals!