The Case Against Washington Mutual Bank and

California Reconveyance Company

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On March 10, 2011 three highly respected members of the California Office of the Attorney General

participated in a teleconference meeting with five members of the WAMU Chase Homeowners Action

Alliance. Please find below the agenda and outline of three presentations and our list of

recommendations to deal with the fraud perpetrated on borrowers in California was Washington Mutual

Bank, Washington Mutual Bank FA, and California Reconveyance Company. This information is based on

official documents, personal experiences of the participants, and information in the public domain.

AGENDA

Thursday, March 10, 2011 3:30 – 4:30 PM

Representing the San Francisco, California Office of Attorney General: Kathrin Sears, Supervising

Deputy Attorney General, California Department of Justice, Office of the Attorney General; and schedule

permitting, Joseph A. Ragazzo, Deputy Attorney General and Benjamin Diehl, Deputy Attorney General

Representing the WAMU Chase Homeowners Action Alliance: Brenda Reed, James Kelley,

Levanson Coffey & Tess Schoenbart

3:30 PM Welcome and Purpose, chairperson: Brenda Reed

Introductions

3:35 PM WAMU’s lending practices and impact on foreclosure crises in CA: Brenda Reed

3:45 PM Washington Mutual Bank, FA – history and issues of legal status, standing, and

fraudulent foreclosure practices: James Kelley

4:00 PM California Reconveyance Company’s foreclosure practices; JPMorgan Chase’s standing,

and failure of Chase/WAMU loan modification program: Deontos

4:10 PM Testimonial : Tess Schoenbart

4:15 PM WAMU Homeowners Bottom Line: Brenda Reed

4:20 PM Questions and Commitments, Next Steps

Engaging the National WAMU Homeowner's Support Grouop as “Party of Interest”

4:30 PM Adjourn

A HISTORY OF WAMU’s LENDING PRACTICES AND

IMPACT ON CALIFORNIA

Goals for the meeting:

1. To address concerns with WAMU and JPMorgan Chase as to issues of fraud and the impact on

Californians. Most significantly the Attorney General has the ability to convince a court that certain

conduct by lenders, servicers and their agents are unfair and deceptive acts on behalf of our citizens.

2. To have California recognized as the leader of the 50 states and demonstrate that California is

serious about addressing these issues. We are hoping that our Attorney General can and will act where

other agencies have failed.

3. To call for sanctions as well as substantive settlements that protect the citizens of the great state of

California as we move forward We pray that The Office of the Attorney General with move forward quickly

and expeditiously with your investigations, sanctions, prosecutions, and settlements.

WAMU’S MOTTO -- FRIEND OF THE FAMILY.

WHAT FRIEND OF THE FAMILY DESTROYS THEIR DREAMS, DEVASTATES THEM FINANCIALLY,

AND SEIZES THEIR HOME.

WHAT WE HAVE ARE BROKEN DREAMS, BROKEN LIVES, BROKEN FAMILIES, BROKEN

COMMUNITIES, AND BROKEN BANKS.

WE COME TO YOU TODAY TO RIGHT THIS WRONG.

CAUSES OF WAMU’S FAILURE:

Pursuit of high-risk lending strategy -- Story of Greed

2005, WAMU management shifted strategy away from originating traditional fixed rate & conforming

single family residential loans towards riskier nontraditional loan products and subprime loans

Purpose – to compete with Countrywide Financial Corporation which in 2005 WAMU’s CEO saw as

“arguable the strongest competitor.” & boost its bottom line.

WAMU in 2006 estimated its internal profit margin from subprime loans could be more than 10 times for a

gov’t backed loan product and more than 7 times for fixed rate loan product Subprime Loan = 150 basis

points return

Home Equity = 113 basis points return

Option ARM = 109 basis points return

Fixed rate = 19 basis points return

Gov’t backed = 13 basis points return

Liberal underwriting standards

Inadequate risk controls.

Housing & Market Collapse in 2007

Created loan losses

Borrowing limitations

Falling stock price

2008, depositor withdrew significant funds after other high profile bank failures & rumors of WAMU’s

problems

High Risk Lending Practices

OPTION ARMS made up one-half of all loan originations during 2003-2007.

o 2007, 47 % or about $59 billion were in Option ARMS

o Low introductory “teaser rate” in place.

o End of 2007 84% were negatively amortizing

SUBPRIME LOANS2007 loan portfolio was c $16 billion or 13% of portfolio

Systemic Underwriting Weaknesses:

Underwriting policies & practices made high-risk products riskier

Stated income loans or ”low doc” loans --- without supporting documentation. Liars loans.

o 90% of all WAMU home equity loans were "low doc" or "liar loans."

o 73% of Option ARMS

o 50% of subprime loans

o High loan to value ratios often in excess of 80% of value of underlying property

o Borrowers were not required to purchase PMI (private mortgage insurance in case of default)

Failed to provide adequate oversight of 3rd party brokers who were compensated for originating most of

WAMU mortgages but were not WAMU employees.

o 2007 – 14 WAMU employees were overseeing 34,000 3rd party brokers

o 2007 WAMU identified fraud losses to 3rd party brokers of $51 million for subprimes & $27 million

for primes

Concentrations of Loans in California and Florida

Source: 12/31/2007 WAMU 10-K states the following loan concentrations:

o 49% Option Arms in CA (13% in FL)

o 25% Subprimes in CA (10% in FL)

o 53% Home Equity in CA (9% in FL)

o 25% of loans were concentrated in one metropolitan statistical area

Wamu Mergers and Acqusitions 1991 – 2006

1991 – 2001 acquired 9 institution $137.16 billion in assets

1/1/2005 Merged with affiliate Washington Mutual Bank Seattle $28.77 billions in assets

10/1/2005 acquired Providian Nat’l Bank $13.10 billions

3/1/2006 merged with affiliate Long Beach Mortgage Co. $13.11 billions

10/1/2006 acquired Commercial Capital Banks FSB $5.67 billions

9/25/2008 Washington Mutual Bank merged with FDIC financial assistance and operates as part of

JPMorgan Chase Bank, NA in Columbus, OH. Purchase and Acquisition Agreement has not been

finalized. Pending litigation.

California Foreclosure Rates

1 in 92 housing units in foreclosure in CA

67,072 new foreclosures in Jan 2011

19,357 homes in CA scheduled to be auction the week of March 14th

Jan 2011 1 in every 200 rec’d foreclosure filing

5,000,000 borrowers in USA in Feb 2011 were 2 months behind

Over 1 million homes repossessed nationally in 2010

Kerry K. Killinger, former CEO of Wamu

1.2 million predicted for 2011

WAMU FRAUD

Senate committee presented evident that WAMU executives knew about the fraud & knowingly failed to

take action.

2005 WAMU conducted an internal investigation – results were sent to David Schneider, president of

Home Loans, and shared with Kerry Killinger, CEO of WAMU at that time.

No action taken.

Killlinger's goal was to turn WAMU into the "Wal-Mart of banking" and cater to lower and middle class

patrons.

"We hope to do to this industry what Wal-Mart did to theirs, Starbucks did to theirs, Costco did to theirs

and Lowe's-Home Depot did to their industry. And I think if we’ve done our job, five years from now

you’re not going to call us a bank."

"The Power of Yes" ad campaign, introduced by WAMU during the 2003 Academy Awards k\ to promote

the offering of loans to all consumers, particularly borrowers that the banks deemed too risky. Another

commercial in the ad series showed WaMu representatives in casual clothes, contrasting with

traditionally-dressed bankers in suits.

"Whoo hoo!" was an advertising campaign introduced by Washington Mutual in February 2008. As fears

of an economic crisis were rising, and WaMu was looking to become an "iconic brand that people love",

they began courting consumers with a new slogan, designed to position WaMu as a consumer-friendly

institution

Top producing offices in CA – WAMU internal investigation found that in Southern California that

Subprime lending fraud was out of control.

One office in Downey 58% of the mortgages were fraudulent.

o One borrower was photographed as a mariachi player as his only proof of income.

o One home photographed by the appraised defaulted; it was in fact a vacant lot.

o Misled borrowers.

o Lied about income and assets.

o Fraudulent cut and pastes on documents.

One office in Montebello the rate of fraud was 83%.

WAMU took no steps to address the problems.

Examples of fraud: o Phony IDs for borrowers

o Buyers acting as fronts for real buyers

o Phony credit histories

o Process requirements waived

o In one Long Beach Mortgage office that sales people sometimes cut and pasted borrowers' names

on false bank statements.

WAMU failure was caused by greed and more greed. Just say "Yes." Rewards to mortgage brokers and

real estate brokers such as one month first-class vacations in places like Jamaica and Hawaii. Huge

commissions paid out. Atmosphere of anything goes as long as the loan gets made. Too bad about the

homeowner and what lies ahead.

WAMU motto was “Friend of the Family”

WAMU Rap at an employee retreat in Hawaii: "I like big bucks and I cannot lie/You mortgage brothers

can't deny "That when the dough roles in like you're printin' your own cash/ And you gotta make a

splash."

People who had Option ARMS didn’t understand them ; flagship WAMU product; Senate committee

found that sales people were trained to convince borrowers that they could simply finance if they got in

trouble as housing prices were soaring

WAMU paid huge commissions to brokers & loan officers – worst the terms of the loan for the

borrower, the better the commission.

Mastered the art of the “liar’s loan."

Most popular subprime loans used low “teaser” rates for first 1 to 3 years when rates shot up

dramatically when the teaser expired. Borrowers caught in loans on which they could not make their

payments unless they refinanced into another teaser rate; were told up front that this was the solution.

People selling the mortgages received huge bonuses and trips to Hawaii for high volume lending.

WAMU’s chief risk officer (hired to control risk) had 35% of her pay tied to growth & only 25% to

risk Management.

CEO KERRY K. KILLINGER WAS COMPENSATED MORE THAN $103 MILLION 2003 – 2008. HE

EARNED $25 MILLION IN 2008, THE YEAR HIS BANK DIED.

AFTER 3 YEARS NO ARRESTS HAVE BEEN MADE.

NO ONE HAS GONE TO JAIL.

NOT KERRY KILLINGER.

NOT DAVID SCHNEIDER.

NOT JAMIE DIMON.

NOT THE WAMU BROKERS OR EMPLOYEES.

NOT ANYONE.

WAMU was certainly NO FRIEND OF THE FAMILY. The impact on our society is devastating.

Families ripped from their homes.

Belongings tossed into the streets.

Families living in their cars, on the streets, or in seedy motels in one room.

Children going to school hungry and forced to live in unsafe neighborhoods where they cannot

enjoy being children.

Children falling behind in school.

Creating blights in our communities.

Lost revenues of $5,000 - $35,000 per foreclosed home.

Suicides and attempted suicides. Violent crimes.

A failed banking system that rewards fraud & greed while the lives of Californians are devastated

and from which they may never recover.

Broken families. Broken lives. Broken hearts. Broken dreams. A broken California.

http://fdicoig.gov/reports10%5C10-002EV.pdf

http://en.wikipedia.org/wiki/Washington_Mutual

MAKING LOANS IN THE NAME OF A NON-EXISTENT

BANK - WASHINGTON MUTUAL BANK, FA

"Washington Mutual Bank, FA” ceased to exist April 4,

2005, yet continued to make loans as such. Are these

loans legitimate? Or are they a product of fraud?

On January 1, 2005, the Company’s state savings bank, the former Washington Mutual Bank merged

into Washington Mutual Bank, FA, and ceased to exist; subsequently, changed its name to

Washington Mutual Bank, FA changed its name to Washington Mutual Bank (“WMB”).

Consequently, the Company no longer owns a state savings bank that is subject to regulation and

supervision by the Director of Financial Institutions of the State of Washington. Its non-bank financial

subsidiaries are subject to various federal and state laws and regulations.[1]

[1] Washington Mutual, Inc, 2005 Form 10-K, Filed with SEC

Scope of the Problem

From April 2005 - September 2008 tens of thousands of Loans were made in the

name of a non-existent bank -- Washington Mutual Bank, FA

Fraud on Federal and State Courts in foreclosure cases by Chase.

Concealed fraud on the unwitting Borrower.

FDIC and Chase bank are both practicing fraud on the courts.

Benefits of the Washington Mutual Bank, FA Fraud

Loans that are brokered are required to disclose the Yield Spread Premiums[2]

Making a brokered loan in the dead name of the “Washington Mutual Bank, FA”

allowed the Yield Spread Premium to be treated as a unreportable “Service

Release Premium”. The fraud evades the fiduciary duty between the “Broker” by claiming the dead

bank as a Loan Originator.[4]

This makes it difficult (if not impossible) for the Borrower to later recover

damages if Borrower sues the non-existent bank.

The FDIC and Chase have been coordinating their efforts to suppress this fraud

because it voids tens of thousands of loans.[5]

[1] Washington Mutual, Inc, 2005 Form 10-K, Filed with SEC

[2] 1-1.5% of amount of loan on the HUD-1

[3] http://en.wikipedia.org/wiki/Yield_spread_premium , “In the U.S., mortgage brokers are required per

the truth in lending act to disclose YSP within three days of the borrower's initial application on the Good

Faith Estimate of Closing Costs, and then again as YSP as a fee "POC" (Paid Outside Closing) on page 2

of the HUD-1 Settlement Statement, inside the margin, away from the column marked "Paid from

Borrower's funds at Settlement." This is a source of controversy, as similarly priced loans from banks

require none of this disclosure.”

[4] http://www.dre.ca.gov/, "A person who provides brokerage services to a borrower in a covered

loan transaction by soliciting lenders or otherwise negotiating a consumer loan secured by real

property, is the fiduciary of the consumer, and any violation of the person's fiduciary duties is a

violation of this law."

"A broker who arranges a covered loan owes this fiduciary duty to the consumer regardless of

whom else the broker may be acting as an agent for in the course of the loan transaction."

[5] Article IX, section 9.3, page 21, “Purchase and Assumption Agreement Whole Bank Among Federal

Deposit Insurance Corporation, Receiver of Washington Mutual Bank, Henderson , Nevada Federal

Deposit Insurance and JPMorgan Chase Bank, NA September 25, 2008.

Assessment of California Reconveyance Company

1. Trustee (California Reconveyance Company) has not signed on the Notices of Default as

required. A Trustee must be a signatory to the Trust.

How can a Trustee be party to the note if they have not signed it?

How do they even know they are Trustee? They never accepted the authority.

This is in violation of the Uniform Trust Code-Probate Code : A Trustee has to be a signatory to

the Trust.

2. Trustor is supposed to choose the Trustee, and Borrowers were not given that opposition. Most

home owners do not realize they have given the power of sale to the Trustee to sell their property. If you

are never told what you are signing and it was not disclosed to the homeowner (borrowers go into a

signing probably in front of a roaming notary who says to are told sign here); there is no conformed

consent.

3. Notice of Default states in the second to the last paragraph:

That by reason thereof, the present beneficiary under such Deed of Trust, has executed and delivered

said Trustee, a written Declaration and Demand for Sale, and has deposited with said duly appointed

Trustee, such Deed of Trust and all documents evidencing the obligations secured thereby, and has

declared and does hereby declare all sums secured thereby immediately due and payable and has

elected and does hereby elect to cause the trust property to be sold to satisfy the obligations secured

thereby.

This is a false document because they can and have not done this because they can not produce these

documents.

Compare this document to the first paragraph of the Deed of Trust. “Lender” is Washington Mutual. . .

.Lender is the beneficiary under this Security Instrument.

This constitutes a violation of California Criminal Code 115 as a false note and under California Criminal

Code 115.5 a fine for each violation can collect up to $75,000 per action which the AG office could collect

for the benefit of California and Californians.

Where is the Declaration of Beneficiary?

4. Deed of Trust Paragraph 24 states that only the Lender can Substitute the Trustee.

Washington Mutual owned California Reconveyance Company. Now Chase owns California

Reconveyance.

CRC has a fiduciary relationship with the Trustor/Borrower.

This constitutes a conflict of interest when they move to foreclose.

Once the Note was securitized, WAMU (by any name) ceased to be the Lender.

5. When a Note is sold, an Assignment of Deed of Trust should be required to replace the original

Deed of Trust .

The PAA does not replace the Assignment of Deed of Trust.

This results in issues as to Continuity of Title. This affects all homeowners in California, not just those in

foreclosure.

According to The Rules of Deed of Trust, this problem can only cured through an Assignment of Deed of

Trust.

6. To level the playing field, every document RECORDED under California Property Recordation

Laws must affirm/contain at least three indexible TERMS:

a) Assessor's Parcel Number;

b) Name of Grantor and/or Grantee in ORIGINAL Deed of Trust and/or Security Instrument;

c) Nominal Street Address, City, State, ZIP of The Property in Question.

The Subject Parties appear to deliberately EXCLUDE these indices ---rendering the recorded documents

as "electronically irretrievable" by the distressed borrower and parties attempting to expose MERS,

LPS and Servicer Lies!

7. WAMU borrowers have collected evidence of forgeries on our Notices of Trustee's Sale by a

alleged officer of CRC.

Deborah Brignac

Documents demonstrate countless inconsistencies with the signature of one Deborah Brignac, who is

variously an officer of California Reconveyance, WAMU, and JPMorgan Chase.

One participants on the teleconference call has 2 signatures that do not match on two separate Notices

of Trustee Sale.

These signatures do not match signatures where she has signed with a notary as witness.

Deborah Brignac signs as VP of CRC, VP JPM Chase, VP Deutsche Bank, and VP Mers.

Even if CRC were an Affiliate of these companies, Deborah Brignac cannot sign for those entities; she

can only sign for the company for whom she works.

8. Many of the Notices of Default and Notices of Trustee Sale are time stamped at 8:00 am the

recorders office does not open until 9:00 am.

9. Evidence has been found to indicate that California Reconveyance Company does not have

possession of the original note and without it cannot legally foreclose.

An organization sent a homeowner into the offices of California Reconveyance Company in Chatsworth,

California, to inspect their alleged original note.

CRC representatives presented the homeowner with a Double sided color copy.

The original note signed by the homeowner was single sided.

RECOMMENDATIONS TO THE CALIFORNIA OFFICE

OF THE ATTORNEY GENERAL:

1. Immediate moratorium on foreclosures for six months.

2. Cessation of trial modification programs.

Restitution to homeowner for all trial modification payments without penalty.

3. Mandatory permanent loan modifications that are affordable and sustainable for all homeowners in

distress regardless of the size of the mortgage that provide a fresh start for the homeowner.

Low fixed interest rates (2 – 4 % maximum)

Long term mortgages (40 years)

No balloon payments

Waiver of missed payments and foreclosure fees

Rescission of all Notices of Default and Notices of Trustees Sales

4. Mandatory principle reductions

5. Restitution for fraudulent foreclosures

6. Cessation of parallel foreclosure practices

7. Proof of beneficial interest in a property prior to foreclosure in the form of a wet-in note

If a loan was securitized and most were, documentation must be provided to homeowners before

foreclosure proceedings can be implemented.

8. Criminal prosecutions for fraud and other violations of legal statutes.

9. The level of documentation needed to proceed to foreclose should:

Identify the current "real party in interest" and document unequivocally how that occurred through a

RECORDED chain of title.

NO NOMINEES

NO AGENTS.

NO LOST NOTE AFFIDAVITS.

NO EXCEPTIONS.

NO TRICKS.

Consider AZ 1259. || Consider the Ibanez Decision. Consider actions by Judicial in Oregon.\

10. Plaintiffs attorney should be required to verify all Recordations and Servicer assertions as stated on

the NOD and NOS.

The "officer of the court" should be HELD directly accountable. || As in the RECENT procedures

enacted in New York state.

11. The homeowner should be afforded a "Private Right of Action" with substantial TEETH if and

when they encounter malfeasance, deception and bad faith on the part of lender or their counsel ."

This is desperately needed because of the failure of the Executive, Legislative and Judicial branches of

our government to protect it own citizens.

CALIFORNIANS MUST BE ALLOWED THE WHEREWITHAL TO PROTECT THEMSELVES.

at 5:56 PM

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Labels: Attorney General, bank fraud, Benjamin Diehl, California foreclosures, California Reconveyance

Company, mortgage fraud, OAG, WAMU Chase Homeowners Action Alliance, Washington Mutual Bank

FA, WMCHAA

Reactions:

14 comments:

1.

AnonymousMarch 14, 2011 at 6:25 AM

One problem I see is you can't have it both ways. If the servicers committed fraud in origination

of these loans, the title is permanently clouded from the start and WAMU along with all the

others, have no standing to do ANYTHING. They cannot modify, reduce principal or do anything

related to these loans because they had no standing in the first place. These titles need to be

quieted and the servicers put out of business.

Reply

2.

AnonymousMay 5, 2011 at 1:14 PM

as a homeowner with Wamu mortgage(now owned by cahse) can I participate in any of these

legal processes?

Reply

Replies

1.

AnonymousJanuary 2, 2013 at 1:20 PM

I have been paying on my loan with Wamu since 1st pymt due 06-01-2004. I have

read the DEED AND SECURITY AGREEMENT. i AM A LOAN ORIGINATOR. I

have accelerated my loan as I paid $251,000 down to the loan limit or $333,700

then. I have made $2000 payments ON AN $1816 PYMT without even a late

charge till Feb 2012. I was a rolling 30 till my last pymt 08-15-2012 paying for 07-1-

2012. So I was due for my 08-01-2012 pymt. I 15 days late now. 08-16-2012 they

started harrasing me. And started the clock in april when they were doing drive by

appraisals evey 45 days or sooner. They call them PRESERVATION OF

PROPERTY INSPECTIONS. I have spoken to the Trustee and no NOD had been

filed and the modification process was a joke. I have overpaid and FNMA took a

gamble on the loan and held it back as the risk was so low. Now Chase says they

are the servicer for FNMA. WHO JUST PAID OFF CHASE THE BALANCE ON 12-

26-2012. Jerked me around for 2 mos +. and would ask for added info with was to

supplement their minimal application. threats of evry kind , misrepresentation from

almost everyone I spoke to. Which I documented and heres the kicker ...I only owe

chase 267,000 on my 600K home. How far will the Gov;t GO.... My Wife died in

2010 in the hospital after misdiagnosis and was in the hospital for a week or so

every 3 weeks for the same problem. I think besides wrongful death it is conspiricy

to commit MURDER. MURDER AND IT INVOLVES SO MANY INSTITUTIONS

FROM FED TO STATE TO LOCAL HBPD AND DOCTORS AND HOSPITAL AND

ALL CLINICS. tHE LESSOR CHARGES OF frAUD AND COERSIONS AND

ATTEMPRED MURDER AND MENTAL COLLAPES. i HAVE HUNG IN THERE.

Now I its true as I have been haked and redirected so I don't have a computor and

need to undo INTERNET ACCESS. i THINK i WILL RECEIVE A

COMPENSATIUON PKG IN THE MILLIONS.

Reply

3.

AnonymousMay 13, 2011 at 4:46 PM

Great details I appreciate the investigations. I have a WAMU Securities owned 3/2006 originated

loan, with MERS, and was told back in 2008 that Countrywide would buy out of the pool to allow

an affordable work out modification, BoA took over never keeping any agreements.

IN addition, I was sent 8 loans by mail, funding the next day including Countrywide sending out to

all different banks as "investors", I was sent an Attorney General Agreement, in AUG 09' from the

OCT 08' DOJ's lawsuit - yet BofA failed to keep the agreement sending me back my money.

I have fought hard against over 90 foreclosure sale dates, they have mis filed ALL my NOD's,

and NOS's and continue to cause me distress. I put large down payments on all my homes,

unfortunately agreed to negams which I did not understand at the time. I can still afford my

original payments, just not the double and tripled amounts. I have filed complaints with the

Attorney General, yet they just allow lies back from Bank of America, and I also filed with OCC

which they made a mistake, and put me back in the hands of the lies of the Bank/s.

How can Californian's gain any assistance ? This was a sham pulled off by the Banks yet we are

the ones suffering. I'd love to see that my note/and or notes are VOID due to the convoluted lies

in which the scheme was played out by the Banks.

Reply

4.

AnonymousMay 13, 2011 at 4:51 PM

To add to my WAMU Securities note -- My note is missing the PARCEL...they wrote my loans so

fast they forgot to include details such as this. I have explained to the Bank, but they probably

have/or had doctored it up. My original copies reflect the lack of any parcel. My other notes are

missing items as well. I hope that as more time passes the Banks will be held accountable.

Reply

5.

douglasJuly 12, 2011 at 10:15 AM

Any followup to this meeting?

Reply

6.

AnonymousSeptember 20, 2011 at 9:02 PM

I have logged over 150 calls to WAMU (then to Chase) to have them correct many errors made

to my HELOC. I was promised calls back on numerous occassions but they never followed

through. Later I found out because no one can find my file. All of the sudden, they closed the

account....no one knows exactly what happened. The problem is I cannot get this removed from

my credit report or title report. I have contacted Chase Corporate Office who also promised they

would help me!!!! But after me calling them at least 10 times, they also are blowing me off as they

do not know what to do. I offered to pay a negotiated amount that they came up with and once I

had the money for them, they said they wanted more!

Reply

7.