• Report: #314636

Complaint Review: COUNTRYWIDE FINANCIAL CORPORATION

  • Submitted: Tue, March 04, 2008
  • Updated: Fri, March 21, 2008

  • Reported By:king of prussia Pennsylvania
COUNTRYWIDE FINANCIAL CORPORATION
4500 Park Granada Calabasas, California 91302 Nationwide U.S.A.
  • Phone: 818-225-3000
  • Web:
  • Category: Loans

COUNTRYWIDE FINANCIAL CORPORATION COUNTRYWIDE LOANED US MONEY WITHOUT A U&O CALABASAS California

*Consumer Comment: THE TRUTH

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WE HAD SETTLEMENT ON A HOUSE IN SEPTEMBER WITHOUT A U&O AND WE STILL DO NOT HAVE IT AND IT IS MARCH. A U&O GIVES YOU PERMISSION TO LIVE IN THE HOUSE AND WITHOUT IT YOU WILL BE EVICTED FROM YOUR HOUSE. COUNTRYWIDE WAS AWARE OF THE LAW REQUIRING A U&O AND LENT THE MONEY ANYWAYS. HERE IS ACOPY OF A LETTER SENT TO THE BUILDER AFTER WE SPOKE WITH THE TOWNSHIP ABOUT THIS PROBLEM.TO DARE THEY HAVE DONE NOTHING ELSE ABOUT THIS PROBLEM. WHEN I CALL COUNTRYWIDE ANSD ASK FOR A COPY OF THE U&O THEY HANG UP ON ME. THIS HAS HAPPENED 4 TIMES.

February 18, 2008

Scott & Deborah Alexaki
717 W. Valley Forge Road
King of Prussia, Pa. 19406

Re: Enforcement notice for 340 Ross Road, Tax Parcel I.D. #580001837004; permit #2006-1459, to construct a new single family dwelling, Upper Merion Township, Montgomery County, Pennsylvania.

Dear Mr. & Mrs. Alexaki:

On May 7, 2007, I performed a rough framing inspection on the above referenced property. Upon my inspection, I noticed several changes that were made to the plan. According to the Pennsylvania Uniform Construction Code (PAUCC), Chapter 403.63(j), "Work shall be installed in accordance with the approved construction documents. The permit holder shall submit a revised set of construction documents for approval for changes made during construction that are not in accordance with the approved construction documents." Also, a permit application was never submitted for the HVAC or electrical systems. This is in violation of the PA UCC Chapter 403.62(a), which states "An owner or authorized agent who intends to construct, enlarge, alter, repair, move, demolish or change the occupancy of a residential building or erect, install, enlarge, alter, repair, remove, convert or replace and electrical, gas, mechanical, or plumbing system regulated by the Uniform Construction Code shall first apply to the building code official and obtain the required permit under 403.62a (relating to permit application)." As of this date, I have not received the revised plans or the mechanical and electrical permits application. We have spoken on several occasions regarding the importance of this matter and I was assured that the revised plans were to be made available to me.

It is also noted that the dwelling went to settlement on September 27, 2007, without the required Use and Occupancy Permit. This is in violation of the PA UCC Chapter 403.65, which states: "A residential building may not be used or occupied without a certificate of occupancy issued by the building official". Also, the sewer access rights agreement fee of five thousand three hundred dollars ($5300.00) must be paid.

Upon receipt of this letter, you will have ten (10) days to comply with this enforcement notice. Failure to comply will result in the institution of civil enforcement proceedings before a District Justice, where the District Justice may impose affine of not more than five hundred dollars ($500.00) plus all court costs, including the Township's attorney's fees incurred as a result of such action. Each day that a violation continues shall constitute a separate violation and may subject you to a daily fine up to five hundred dollars ($500.00). The Township may also institute such other appropriate action or actions at law or in equity, which may be necessary to enforce the provisions of the code.


Page Two
Enforcement Notice
340 Ross Road

The listings above may not represent all violations presently occurring on the property. Other violations may appear upon application for required permits or further investigation, and the Township reserves its right to take any and all action authorized to enforce it building and zoning ordinances as to all violations.

I certify that I have mailed a copy of this enforcement notice by Certified Mail and First Class Mail upon the named persons at the address set forth below their name on February 18, 2008.

Brian Sakal, Building Official

Cc: Francis Mckernan, Chief Building Official
Mark Zadroga, Zoning Officer
Wendy Logan, Permit Officer
Permit File
Don Burgess, Project Coordinator
David and Patricia Kronheim, 133 Wilson Road.

Patricia
king of prussia, Pennsylvania
U.S.A.

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This report was posted on Ripoff Report on 03/04/2008 01:18 PM and is a permanent record located here: http://www.ripoffreport.com/r/COUNTRYWIDE-FINANCIAL-CORPORATION/nationwide/COUNTRYWIDE-FINANCIAL-CORPORATION-COUNTRYWIDE-LOANED-US-MONEY-WITHOUT-A-UO-CALABASAS-Cali-314636. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

THE TRUTH

AUTHOR: Deborah - (U.S.A.)

I am the wife of the builder listed in this report and find it disturbing that Patricia would choose to air her falsehoods in a public forum. These are the TRUE FACTS in this situation:

1. PA law requires a U&O if the property is going to be OCCUPIED. The K---s notified us shortly before settlement that they were not going to occupy the home after settlement but instead they were going to rent it or sell it. They committed fraud in accepting a mortgage for a primary residence that they were not going to use as a primary residence. Countrywide DID NOT require a U&O at settlement and is probably the reason why they hang up on her. Upper Merion Twp. ordinances do not require a U&O upon transfer of a property. It is my opinion that they are trying to build a case to sue Countrywide to have their mortgage reversed.

2.There has not been one interested buyer for the property possibly because they listed the house originally above the appraised value. This was public knowledge available in the real estate MLS. This past week, the Twp. requested permission from the K-----s to enter the property with my husband to inspect it and issue the U&O and the K-----s refused entry. They also have had an offer from a renter for a generous amount of rent and they refused that also.

3. In regards to the letter received by us and the K-----s from the Twp. inspector, all permits were applied for and paid for, and thus there have been no fines imposed. Unfortunately some things were missed when the letter from the Twp. was written and sent. Final "as built" blueprints have also been given to the Twp.

4. This is the second house that my husband built for the K-----s. We were friends for over 15 years. My husband included many upgrades without charge because Patricia wanted them and he wanted to please her. He also sold them the house with $250,000.00 in equity at settlement. What builder does that? After settlement they immediately put up a "For Sale" sign and then they applied for an equity loan. The first bank refused them because they saw the house was for sale. The K-----s took the house off the market, got the equity loan, and them immediately put it back on the market for sale.

5. What have we learned from this? We won't build a house for friends again and as the saying goes "No good deed goes unpunished"!
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