• Report: #549770

Complaint Review: Morgan Stanley Home Loans

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  • Submitted: Mon, January 04, 2010
  • Updated: Sat, January 21, 2012

  • Reported By: Lisa — Woodland Hills California United States of America
Morgan Stanley Home Loans
4708 Mercantile Dr. North, Fort Worth, Texas United States of America

Morgan Stanley Home Loans Saxon Mortgage Fraudulent Foreclosure Fort Worth, Texas

*Consumer Comment: PROTESTER SONG 44

*Consumer Comment: LISA, DID YOU KNOW THAT MORGAN STANLEY IS PART OF THE FEDERAL RESERVE,........

*Consumer Comment: LISA, DID YOU HAPPEN TO TYPE IN 422831 AT THIS SITE AND.....

*Consumer Comment: LISA, DID YOU HAPPEN TO TYPE IN 481508 AT THIS SITE AND.......

*Consumer Comment: LISA, FEEL FREE TO TYPE IN 506506 AT THIS SITE AND.....

*Consumer Comment: LISA, DID YOU TYPE IN 411913 AT THIS SITE AND.......

*Consumer Comment: LISA, DID YOU TYPE IN 555030 AT THIS SITE AND READ......

*Consumer Comment: LISA, DID YOU TYPE IN 271454 AT THIS SITE AND....

*Consumer Comment: Lisa, I believe that you have to 'Google' this- WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010, in order to see......

*Consumer Comment: *Anyone can 'Google' this- ORIGINAL DISSENT WHO CONTROLS THE U.S. ECONOMY?, and go to that site and see all of the people who control....

*Author of original report: Response to fomer Saxon Employer

*Consumer Comment: *OIL MANIPULATION ALERT!!!

*UPDATE EX-employee responds: I used to work for this company

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1Author 12Consumer 0Employee/Owner

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In or about May 2009 through July 2009 Morgan Stanley Home Loans refused to provide timely documentation to my husband for his 401 K Hardship Loan requirements in order to make current his home loan. In fact, my husband made numerous contacts with Morgan Stanley Home Loans Customer Service Department and each time spoke to a different representative who knew nothing about this request. Further, on one of my husband's contacts with the customer service department, he was advised by the representative that Morgan Stanley Home Loans did not want his money as it would stop the default/foreclosure time clock. This representative informed my husband that if they accepted his money, that they would take our house regardless. As a final blow, Morgan Stanley Home Loans failed to notify myself, a legal owner of the subject property indicating this impending foreclosure and sale of the family home of 16 years. Morgan Stanley Home Loans had full knowledge of my contact information and failed and refused to attempt contact with myself. It was not until the weekend before Thanksgiving 2009 that I learned that my house was sold at auction. I have made attempts to allow Morgan Stanley Home Loans to correct this deceitful act going as far as speaking with their CEO, Anthony Meola. Mr. Meola refused to deal with the situation and forwarded my complaint to his assistant general counsel, Andrew Stein. My husband and I were advised by family members not to speak to Mr. Stein without legal representation. As it goes, my family has been served with an Unlawful Detainer, will have to move from our home of 16 years and incur costs of legal fees, moving expenses and not to mention extreme emotional and physical distress of myself, my husband and my ten year old son. In conclusion, Morgan Stanley Home Loans never intended to modify our loan terms or accept any payment on our mortgage. Morgan Stanley "ramrodded" our home into foreclosure and sale.

This report was posted on Ripoff Report on 01/04/2010 08:20 PM and is a permanent record located here: http://www.ripoffreport.com/r/Morgan-Stanley-Home-Loans/Fort-Worth-Texas-76137/Morgan-Stanley-Home-Loans-Saxon-Mortgage-Fraudulent-Foreclosure-Fort-Worth-Texas-549770. 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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REBUTTALS & REPLIES:
1Author 12Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

PROTESTER SONG 44

AUTHOR: Karl - (USA)

IF I WAS A BIG SHOT
(Please sing to the tune of "If I Had A Hammer")

Anyone can 'Google' this- IF I HAD A HAMMER SING ALONG WITH BROWNIELOCKS, and sing the following lyrics to that tune, right?

Here we go- 1, 2, 3...

If I was a big shot
I'd be like Mr. Romnee
I'd have a lot of money
I'd stash it away
I'd put some in the market
I'd hide some in my closet
I'd buy a place near the beach
In sunny Cayman Islands
Ohhhhhhh that would be grand.

(Keep Repeating)

Anyone can 'Google' this- MITT ROMNEY TAX EVASION AN ABC NEWS INVESTIGATION, and watch the related videos and read the articles on the web.

Feel free to 'Google' this- SCHWARZMAN-ROMNEY RETURNS INCITING DEMS SCRUTINY, and read the related articles on the web.

FYI: Mr Schwarzman is the CEO of Blackstone Group. He made $702,440,573.00 in 2008, according to information that is available on the web.
Simply 'Google' this- THE TOP 10 HIGHEST PAID CEOS ARE CNN, and read the article for proof. (That's $2.7 Million per day, based on a typical five day work-week.) 

Thank You

WELCOME TO AMERICA- THE BANKERS ARE IN CONTROL OF OUR GOVERNMENT, AND JUST ABOUT EVERY POLITICIAN IS REALLY WORKING FOR AND SERVING THE WALL STREET BANKERS 
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#2 Consumer Comment

LISA, DID YOU KNOW THAT MORGAN STANLEY IS PART OF THE FEDERAL RESERVE,........

AUTHOR: Karl - (USA)

according to information that is available on the web?

You can 'Google' this- WHO OWNS THE FED?, and go to the site with the five charts. Morgan Stanley is listed in 'Chart 1', along with Lehman Brothers and J.P. Morgan Co.

If you type in 411913 at this site you will see that JP Morgan Chase was named in that Ripoff Report for taking out 'secret life insurance policies' on its employees. I believe that JP Morgan Chase has $11 Billion in these policies.

Simply 'Google' this- BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES, and read the related articles on the web for proof.

It appears that the big banks in America have done a lot of damage to our economy, wouldn't you agree?

Have a nice day.

***NATIONWIDE MORTGAGE ALERT: Make sure to type in all of the following at this site and read the Ripoff Reports for important information if you have a mortgage in the USA-

MERRILL LYNCH
INDYMAC
GMAC
COUNTRYWIDE
WELLS FARGO
BANK OF AMERICA
CHASE
GOLDMAN SACHS
LEHMAN
JP MORGAN
LITTON LOAN
ONE WEST BANK
HAMP
MORTGAGE

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#3 Consumer Comment

LISA, DID YOU HAPPEN TO TYPE IN 422831 AT THIS SITE AND.....

AUTHOR: Karl - (USA)

read Jeanne's Ripoff Report?

Have a nice day.
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#4 Consumer Comment

LISA, DID YOU HAPPEN TO TYPE IN 481508 AT THIS SITE AND.......

AUTHOR: Karl - (USA)

read St. Clair's Ripoff Report?

If not, simply type in 481508 at this site and read it when you have time, okay?

Have a nice day.

***POLITICIAN ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for important information-

POLITICIAN
OBAMA
BUSH
CHENEY
BARNEY FRANK
CLINTON
REAGAN
US GOVERNMENT
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#5 Consumer Comment

LISA, FEEL FREE TO TYPE IN 506506 AT THIS SITE AND.....

AUTHOR: Karl - (USA)

read Sweetsue's Ripoff Report, okay? It's Ripoff Report #506506.

Have a nice day.
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#6 Consumer Comment

LISA, DID YOU TYPE IN 411913 AT THIS SITE AND.......

AUTHOR: Karl - (USA)

read Ripoff Report #411913 about the $120 Billion in 'secret life insurance policies' that many of the banks in the USA have taken out on their current and former employees?

If not, just type in 411913 at this site and read it, okay?

Have a nice evening.

***POLITICIAN ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for important information-

POLITICIAN
OBAMA
BUSH
CHENEY
CLINTON
REAGAN
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#7 Consumer Comment

LISA, DID YOU TYPE IN 555030 AT THIS SITE AND READ......

AUTHOR: Karl - (USA)

Ripoff Report #555030?

If not, simply type in 555030 at this site and read it when you have a chance, okay?

have a nice evening.

***TOP SECRET GOVERNMENT ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for important government information-

OBAMA
BUSH
CHENEY
CLINTON
REAGAN
US GOVERNMENT
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#8 Consumer Comment

LISA, DID YOU TYPE IN 271454 AT THIS SITE AND....

AUTHOR: Karl - (USA)

read Ripoff Report #271454 yet? If not, simply type in 271454 at this site and that will take you to Betty's Ripoff Report, okay?

Thank You

***MORTGAGE ALERT: Don't forget to type in the following number at this site and read the Ripoff Reports for valuable information if you have a mortgage in the USA-

481508
738400
476868
782926
688047
736091
560128
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#9 Consumer Comment

Lisa, I believe that you have to 'Google' this- WHO CONTROLS THE UNITED STATES ECONOMY BY MAJORITY 2010, in order to see......

AUTHOR: Karl - (USA)

the people who control the U.S. economy, okay?

For some odd reason, the other website no longer has the faces of the people who control the U.S. economy.

Thank You
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#10 Consumer Comment

*Anyone can 'Google' this- ORIGINAL DISSENT WHO CONTROLS THE U.S. ECONOMY?, and go to that site and see all of the people who control....

AUTHOR: Karl - (USA)

the U.S. economy, right?

*I believe that Morgan Stanley's President & Chief Executive Officer is pictured there, correct?

Thank You

****************************** MORTGAGE ALERT ***************************

*Make sure to visit the MERRILL LYNCH page of this site and read St. Clair's Ripoff Reports for valuable information if you have a mortgage.
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#11 Author of original report

Response to fomer Saxon Employer

AUTHOR: Lisa - (United States of America)

You have no idea what you are talking about.  In my quest for justice, I contacted at least a dozen state, federal and local agencies including the Better Business Bureau.  I was notified by the agencies that there were so many complaints filed against Saxon Mortgage/Morgan Stanley Home Loans that it would cost a fortune to obtain copies of the complaint.  The Department of Corporations, Department of Real Estate and other agencies have open files in connection with Saxon/Morgan Stanley Home Loans.  I am still waiting (4 months) for the backup documentation from their unlawful foreclosure and sale.  My guess is that they don't even have legitimate documentation.  Their General Counsel, Greg Smallwood and Andrew Cline are extremely condescending and arrogant, and impossible to get a straight answer from.  I will continue my quest against their criminal activites.
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#12 Consumer Comment

*OIL MANIPULATION ALERT!!!

AUTHOR: Karl - (USA)

*Make sure to 'Google' this- DID SPECULATION FUEL OIL PRICE SWINGS, and watch that 60 Minutes segment on the web. 

Does everyone remember how the price of OIL went up to $147 a barrel in 2008, causing gasoline to go over $4 a gallon in the USA?

GUESS WHAT?

Morgan Stanley, & others, were named in that 60 Minutes segment, right?

****************************MORTGAGE ALERT******************************

*Make sure to read all of St. Clair's Ripoff Reports at the MERRILL LYNCH page of this site if you have a mortgage for some valuable information.

Thank You
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#13 UPDATE EX-employee responds

I used to work for this company

AUTHOR: MattLazorko - (United States of America)

And I can assure you that they are NOT in the business of taking your home.  If you pay a $300,000 mortgage on time, it makes Morgan Stanley approx $500,000 over the life of the loan.  If everyone paid their loan on time, the banks would not be in crisis. 


BELIEVE ME, they DO NOT want your house.


The TRUTH is, the bank has to do some risk assessment.  If they see that you are 90 days past due and your ONLY means of catching up a little is a LOAN AGAINST A 401K, they realize that there is no point is dragging out the inevitable.


I'm sorry, but you are only telling half the story.  I know Morgan requires you to be 90 days past due before they start foreclosure proceedings.  So what you are conveniently leaving out is they let you borrow thousands of dollars and you decided to take a 3-month long break from paying them.


Whatever your reason for being late, banking is a cold business.  That's why you sign 40 papers at settlement.  They are giving you hundreds of thousands of dollars, and if you miss 3+ months, they take their collateral.


I know it's emotional.  I lost a duplex when my wife lost her job; it sucks.  But let's not pretend we thought the bank was an altruistic institution; they are a bank - their only concern is profit.

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