Clinton Speaks, Homeowners Mourn - revised
by Mike Dillon, Fri Aug 10, 2007 at 01:31:11 PM EDT
Revised slightly in an attempt to keep the focus of the message on point. Original posted at www.BlueHampshire.com.
I'm "the other guy" that Senator Clinton spoke about during the first minute and a half of her speech in Derry, NH Tuesday, August 8th.
I wasn't at all impressed with Senator Clinton's solutions for the current foreclosure issues that the country is facing. Frankly, I've heard the majority of what she suggested in previous years. To be honest, I was extremely surprised that I was invited to meet with Senator Clinton given the fact that she has taken PAC money from the majority of entities that I have named as defendants in a $13.5 million civil RICO action as a result of an illegal foreclosure that was attempted on my home for the last six years. Three of the entities (PMI Group, Merrill Lynch, LaSalle Bank) have already been named as defendants, a fourth entity (CSFB) to be named shortly, and the fifth (Fairbanks Capital/Select Portfolio Servicing) previously owned by PMI and purchased from them in '05 by CSFB.
The reason for this litigation is due to a now six year battle against an illegal foreclosure, caused in turn, by mortgage servicing fraud which has little to do with predatory lending. I am one of more than 280,000 Federal Trade Commission-certified victims of Fairbanks Capital Corp. n/k/a Select Portfolio Servicing Inc. as certified in USA/Curry v. Fairbanks. Predatory lending is an origination issue while Mortgage Servicing Fraud is a securitization issue. If Senator Clinton or the staff with whom I met and spoke had any clue as to what we were describing they never gave any indication.
We were contacted out of the blue by someone from Senator Clinton's campaign virtually begging us to attend the Senator's predatory lending policy event. This was originally slated to take place the previous Friday but the Senator apparently had to return to Washington for votes that day. This gave the Clinton campaign the weekend to ask if my fiancée, Jenna, would be willing to not only attend the event with me and speak to Senator Clinton privately before the even but also if Jenna would be willing to introduce the Senator on stage that day. And before she could give the Clinton campaign an answer, telephone calls and e-mails began coming in explaining that when we do speak with Senator Clinton privately, we should focus on how this situation has affected our lives as opposed to the actual issue itself which, as previously mentioned, has absolutely zero to do with predatory lending. The Clinton staffer we had been in contact with actually made it a point to suggest to Jenna that she speak about how we had postponed our wedding because of the illegal foreclosure that we had been fighting. Now, taken individually, each of these "suggestions" seems fairly innocuous. But when strung together, they make for a rather subtle but effective attempt to steer our conversation with Senator Clinton away from the actual important issue of mortgage servicing fraud which we both were hoping to have and towards what would rapidly deteriorate into a whining, sympathy sucking, "poor me" yetch in front of not only a United States Senator but several hundred of our assumed peers.
I have to take a minute here and explain that I can only assume that the members of the audience were our peers as the population of the Ernest P. Barka gymnasium that morning far exceeded the population of the pristine little McMansion neighborhood that we had to drive through in order to get to the event to meet with Senator Clinton to discuss our foreclosure issues and listen to her announce her predatory lending policy. There could not possibly have been a single property on Eastgate Rd. with a fair market value of less than $375,000. And yet, there we were listening to Senator Clinton pitch her predatory lending policy. Walking out of the school after the event all I could think of as I looked down Eastgate Rd. was that there was little or no evidence of predatory lending or mortgage servicing fraud happening there.
Now, Jenna, being the incredibly intelligent woman that she is, figured out long before I did that "strange things were afoot at the Circle-K". She had already fast-forwarded through the phone calls and emails and suggestions and came to the important plot point that the Clinton campaign didn't care if I showed up at the event at all. They wanted Jenna to be the "little person" that Senator Clinton had chosen to rescue. I chose not to catch up with the program until after Jenna declined to accept the "honor" 48 hours before the event due to a migraine. This may sound a bit odd until you realize that Jenna has suffered two head injuries in the last 7 years and a migraine for her can be a week long event complete with facial ticking and/or partial paralysis and/or minor speech impairment. Had that set in, she would have had no choice but to withdraw from her role as introducer on the morning of the event potentially leaving the Senator's people in a difficult position. Being the professional that she is, Jenna did not want to risk harming the event and chose to decline with enough time for the campaign to find someone else to handle the introduction. As she wasn't feeling well enough to do so herself, Jenna asked if I would convey her decision to the Clinton campaign. This is where I caught on.
Being the sometimes-illogical thinker that I am, I assumed that the Clinton campaign wanted to focus on a story that highlighted the problems with the mortgage industry and guessed that the natural progression from Jenna would have been for the campaign to ask me if I would be willing to introduce Senator Clinton. Wrong. It turned out that the next candidate was Kristi Schofield, the mother of the family also meeting with the Senator that morning to discuss her impending foreclosure and eviction at the hands of Ameriquest and Deutsche Bank. While listening to Kristi's introduction, I couldn't help but notice that it sounded all to close to the whining, sympathy sucking, "poor me" yetch in front of not only a United States Senator but several hundred of her assumed peers that Jenna had felt she had been asked to make.
While I would never be so bold as to ask Kristi to disclose such information, judging by what she said in her introduction of the Senator, I can only assume that she had received similar instructions from campaign staff to relate not what the factual issues were that led her family into foreclosure but to speak of the extraneous, emotion driven thoughts and actions that occur when one is faced with losing their home regardless of the legality of the foreclosure. I honestly would not be at all surprised if certain language that Kristi had used turned out to be suggested by someone other than herself. Please don't misinterpret this as resentment, judgment or envy towards Kristi Schofield because it is not. It was simply these subtleties and similarities in what we were told and what Kristi said that led me to believe that the Clinton campaign is more interested in gender than in issues. Very few Mortgage Servicing Fraud victims get an opportunity to have an audience with a United States Senator. That being the case, both Jenna and I felt that we had a responsibility to MSF victims around the country to discuss the issues surrounding Mortgage Servicing Fraud with Senator Clinton as opposed to wasting the opportunity by focusing on our personal sorrows. To bring anything less to the Senator's attention would be disrespectful of us when we know from experience and daily contact that there are hundreds of thousands of other families suffering the same fate as us.
The event itself was fairly unspectacular - at least for us. Since Jenna and I have been dealing with foreclosure issues since 2002 we have heard much of what politicians have promised over the years. And, in listening to politicians over the years, we've learned that you have to listen not only to what they say - but what they do not say. The majority of Senator Clinton's predatory lending policy is nothing more than previously proposed campaign and/or legislative ideas with a new coat of wax on them. There really was nothing that we felt that we could take heart in that pointed to any hope for homeowners at any point in the future - regardless of whether Senator Clinton wins first the party nomination and then the White House. Involving the Federal government in the national foreclosure crisis is like throwing a drowning man a ukulele - it's useless. The reason that I feel that I can make that statement is that I have personally contacted the Office of Thrift Supervision, the Office of the Comptroller of Currency, HUD, the Federal Trade Commission - whom I have been told by FTC Special Counsel Allison Brown, personally, will not take action on behalf of an individual borrower - Secret Service and FBI Financial Crimes divisions, the House Financial Committee, NH Senator Judd Gregg, NH Senator John Sununu AND former Congressman Jeb Bradley. If I had asked any more federal government individuals or entities I might have started getting depressed. Oh wait, I WAS diagnosed with anxiety and depression - too late.
Following the event was just as interesting. Media swarmed. People milled and jockeyed for Senatorial autographs, some found Ms. Schofield and expressed their sympathies or asked for interviews. Since my only mention during the entire even came within roughly the first minute and a half of Senator Clinton's speech I had to introduce myself to the media. I was lucky to have gotten the one interview that I did which ended up not airing anyway. Fortunately, I wasn't at all surprised as I have been informed by WMUR TV that the two minutes that Karen Anderson devoted to Fairbanks Capital Corp. and mortgage servicing fraud roughly four years ago was enough coverage and there was no longer anything newsworthy to report. Meanwhile, Jenna rapidly came to the conclusion that the Senator's speech, with regard to predatory lending, was nothing more than two day old leftovers and that no one was going to look at "the 27 8x10 color glossy photographs with the circles and arrows and a paragraph on the back of each one".
And at that point, with the realization that Senator Clinton was apparently going to be just one more federal entity that neither understood nor wanted to take the time necessary to understand the seriousness of mortgage servicing fraud, Jenna began to crumble. It was only for a brief moment, but, timing being what it is it is, at that same moment the campaign staffer we had been working with came back through in what felt to me like an attempt to isolate us from the media. It has since been suggested that the explanation for Jenna's momentary break in composure was due to the fact that the media was not paying attention to us, which as stated, could not possibly be further from the truth. Even if that statement held any modicum of truth both of us would want the focus of attention to be on the very real, very serious issue of mortgage servicing fraud as opposed to either one of us specifically.
I've always known that politics, at virtually any level, can be greasy at best but I never realized that the depth of scum was this thick even at the edge of the pool. Needless to say that I won't be participating in any future Clinton events - not that I would expect to be invited again. Even the most basic level of reasoning would conclude that I simply do not have the correct combination of chromosomes. That being said, I can only hope that the majority of voters reach the realization that sharing the same unique chromosomal makeup with a Presidential candidate is simply not the best qualifier for your vote as a citizen of the United States of America.
If anyone would like more information on our situation in particular or on mortgage servicing fraud in general, please feel free to visit www.getdshirtz.com because after all, all you have to lose - is your home. Please understand that it is simply easier to direct anyone interested to our site as opposed to covering the last six years of our lives here. Should anyone have any specific questions, please feel free to ask either here or contact us directly through the site. We'll do whatever we can to get answers for you.