Saving Doc’s Home Update….
Saturday Doc and I traveled 50 miles to Pine Valley, Ca., to a Free Home Clinic put on by Community Housing Works of San Diego. Akin to the story of a drowning man will grab at anything theory.
I didn’t realize just how bad Doc’s walking disability was until we had to walk more than 10 yards at a time. The 100 yards we walked from where I parked the car took almost 20 minutes! But I couldn’t get any closer to the Gym at Mountain Empire High School, where the event was held.
We arrived promptly 10 am only to find they didn’t have any acknowledgement of the appointment I had made earlier in the week. NOT A SURPRISE with this whole loan modification process! So we waited 3 hours before we could see a counselor. During our wait we were subjected to endless presentations concerning short sales and the process of loan modifications. Most of the 30 to 40 in the audience had no clue what the presenters were talking about. It was as if they were listening to the process of execution just before the actual act. They all had a sullen hollowed eye look of uncertainty.
Doc couldn’t walk any further than the registration desk so they allowed him to wait at the registration desk resting his head on the table. He is so exhausted from the process. He is resigned to the fact that he is about to lose his home. I’m NOT ready to give up. I keep thinking that someone will look at this situation rationally. It’s sad that nobody at Litton Loan Servicing or Deutsche Bank will examine his particular situation as if HE MATTERED! It ALL comes down to bottom line numbers in the Foreclosure decisions of the Banks. The fact that he is a disabled Veteran is NOT entered in the NET PRESENT VALUE equasion. There is absolutely NO compassion in this Foreclosure Crisis!
The counseling session turned out, unfortunately, just as I had thought with NO possible way to fight the Banks Foreclosure Decision when they had made their decision based on their proprietary mathematical NPV algorithm that favored the Banks position. THE NPV FORMULA is the Banks back door when they prefer a Foreclosure to happen. It’s like playing chess with two sets of rules. Theirs and yours, with their rules having precedent!
Even though we were defeated on Saturday we fight on! I hope the YouTube Video describing Doc’s Story will get out to enough folks in the next week to cause an such an UPROAR at Litton or Duetsche Bank so that a HUMAN there will awaken to help Doc!
Uppitybanker
