private loan made - loan agent blew it

I used my investment money (before the real estate market blew up) to help on a 2nd trust deed for a gentleman that was losing his home and car due to medical problems. He was better now but would lose everything unless he could borrow money. So I agreed to loan him money for 6 months at 12.9%, APR 18.776%. It now looks like this triggers it to be a HOEPA loan. He has a lawyer and is looking to rescind the loan and get punitive damages. Now that I have read up on HOEPA it looks like the loan officer made some major errors. (balloon payment, high interest, no notice that borrower could lose his home)

Borrower has NEVER made a payment and attempted to refinance with another lender but was refused.

If no payments were ever made is the borrower in the right? Any other advise? Thank you.

credit problem

We have banked with our local bank for 10 years and recently discovered that our credit had not been accepted by the credit bureau because of an error when it was being sent. For 10 years we have had excellent credit with our bank and now we have to start over because our credit score is very poor. We tried purchasing a vehicle and have not been able to. Is our bank suppose to step up and take fault or are they not responsible?

Employer

My husband's employer wrote him a bad check.Our bank account is now over drawn and we have $100.00 in over draw fees. Is his boss responsible or are we?

school loans

I cosigned for a school loan for my son and now I am afraid he is not going to pay, How can I get my name off of that loan?

Need Help With Vehicle Title

I was asked to purchase a vehicle in my name for my boyfriend because of his credit. I did and now we are breaking up. He pays all payments including personal property taxes. How can I get the car out of my name and into his? Or do I have to sell it to him for almost nothing to avoid sales tax? Please I need help!

car loan

I bought a car and had to have a co-signer but when the finace paper came in mail they changed the paperwork around so that the co-signer was the buyer and I was co-buyer but thats not the way we signed when I bought the car can I get out of this deal?? I called the finace co about the way the paperwork was and they said that they could nothing about it I told them that we did not buy car like that and we didn't want to eather but they said we were stuck and had to buy it that was last mouth 4-10-07

mother in laws death

My mother in law passed and had a condo, car, checking account. We did not open the estate. Are we still able to retrieve the money in her checking account?

Withdraw

My wife deposited money in my account. She is not on my account but they let her take money out the next day and cause my account to go under costing me over $100.00 just in overdraft fees. Is there legal action I can take here twards the bank for allowning someone that is not on the account to withdraw money?

non payment of emi

EMI i could not pay on time cheque getting bounze but end of the month paying without fail, but during this time recovery boys are troubling in front of my home. for this case what is the recovery boys rigts, what to do for them, pls send me the law about, thz

Joint Bank Account

my father in law put my name on is accts so i could manage his affairs. before he dies he told me to do as i pleased with the money he wanted to sign his house over to us but his lawyer said he was confussed and should wait. so he said to us since i cannot give you my house keep the money. granddaughters named in the will want their share. i have already closed out the acct and spent some of it. what should i do?

Social security checks

Can the state take your money out of the bank if your only means is your disability social security check for a student law from 15 years ago.

Second mortgage on real estate

I am the second mortgage holder on a building. The property has been sold to an individual, the bank had previously told me that they would allow me to draw 12 % of the net proceeds to satisfy part of the second mortgage that I hold. Now that the property is ready to close, the bank has decided to let me have only 7% of the proceeds. The property in question is tied in with another parcel that I also have a second mortgage on behind the first mortgage holder which is the same bank. The bank told me that if I did not release the property in question for the 7% they would repossess the property from the present owner and sell to the buyers on contract now at a later date and cut me out all together, or I could bid it at auction and pay their mortgage off in full. The buyer on contract now has offered $40000.00 moren than the property appraises for. They are trying to leverage me into taking less for my second mortgage and applying the extra money to the other property tied in to the property that is already contracted to be sold. CAN THEY DO THAT??

what to file

2 months behind on mortgage owe about 11,000.00 back taxes and few secured loans, how lon are you given to pay back? been out of work almost 2 years due to back surgery only get short term disabilty.

Disputed payment

I received a check that had payment in full written on the memo section of the check. The payment amount is not the full amount owed. If I deposit the check am I out the missing amount?

Credit Union

I left a C.U. that I worked for over a year. When I left my CEO was very angry w/ me/

Out of spite she left my accounts as ''employee'' accounts clearly I am no loner an employee.

I feel that she is discriminating against me. I have spoken with other past an employees and I am the only that she is doing it to.

I sent her a letter asking if I could see the policy that states that she is allowed to code my account as an employee of if I can see the disclosure that I signed. She is violating my privacy act and monitoring my acct when she has no right to.

Is there anything that I can do.

I have so many other details and incidents but not enough room.

when a bank makes a mistake

when a bank makes an mistake on ones account who is held responsiable?

release of confidential information

My credit union released my bank deposit info and cell phone # to someone who was trying to collect on my girlfriend debt. She is not on my account. The reason I know this info was released is that on the day i got a income tax refund he called my phone and asked me if i would cover her overdue balance as i just got a refund. Even i didnt know the refund was there yet. I contacted the manager of the credit union and asked them how this could happen and they just said that they could reprimand the teller. I feel violated that this happened and have pulled my accounts from the credit union. Is there any legal action that i could take against them?

Bank's breach of loan agreement terms

My Bank refused my payment to reduce the balance

of a business loan. The contract was a revolving

line of credit with provisions to pay it down

and reborrow funds during a one year period

at my option.

Instead, the Bank ignored the plain language of

the agreement, and actually denied the terms.

I consider this a fundamental ''breach'' and

wonder whether case law holds that I am relieved

of any further performance thereunder - i.e.,

what are my rights and the corresponding penalties

against the bank.

Missouri falls within the 8th Cir. Court of Appeals

or does State law, or the Comptroller of the Currency

use ''administrative'' law cases to support my possible

remedies ?

Death without a will and banking accts.

My grandfather passed away and had several CD's in which my name was on with him. However, there was no will.....how does this work? My father refuses to share the banking information with my sister and I but our grandfather always told us that we were on the CD's with him. Help!

please advise - computer purchased, never charged

i ordered a laptop over the phone from a computer manufacturer. they charged my banking debit card approx. $2100. i received the computer. Two days later for no reason they refunded my card $2100. Question 1. How long do they have to legally charge my debit card for the computer? 2. Can they legally re-charge the $2100 after they already did once and refunded me at their wilfullnes? 3. If they attempt to recharge me, and they are denied, can they take legal action against me?