James P Zaspel JPZ enterprises Finance our home as "owner-financed", but is not the owner, stole over 100K lansdale, Pennsylvania

I would like an explanation of why my REPORT can no longer be viewed?  The events in my REPORT was accurate and just.  Please provide an explanation Thank you. 

If anything else could you please retrieve my REPORT.  THank you

Furthermore, it appears that the Origianl REPORT (as seen listed below) WAS NOT THE REPORT that I SUBMITTED.  If possible,  please find my origianal body of work (REPORT) that I created,  I would appreciate it, thanks. 

SD

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We were sold a house based on owner finance, poor credit, no credit.  When we signed the paperwork, no title search had been done, this was discovered later.  we made payments over the course of one year, and then we received a notification from bank of america that they were curious as to why people who were no longer living here were two months behind in their mortgage.  When I contacted our "owner financer"  he didnt answer.

What we found out is that, this man, and his company, never had proper ownership.  He took a 40K deposit, financed the house at 197,000, only owes 157,000 and took money off the back of the loan.  IN addition, he has been late on the payments over the past year.  He now threatens to evict us.  He has done this to other people and he is probably guilty of predatory lending. 

We had a similar experience with the same individual.  We signed a real estate agreement on Dec 3rd, 2011. Our first payment  of 1,345.00 (with a $100 going toward principal) was to have been paid to the Lender (Bank of America)  by Tulip Enterprise (owned by Jim Zaspel)  on or by Dec 15th.  This was in addition to 11,000 dollars which is to go toward the house at time of settlement.  We later found out that neither December nor January payments made it to the bank (Lender) and had it not been for a third party (saler) the house that we called  a "home" would of been going into foreclosure. Once it was brought to our attention we than presented our concerns to Mr. Zaspel;his reply was (excuse) "It was a bookkeeping error" on the part of his staff, he then added that he was  "very sorry that this has happened", but he "will make good and re-pay the amount back" to Lender (Bank of America).  

We attempted to give him the benefit of the doubt and verbally agreed over the phone that by end of March all would be back as it was and made good.  Needless to say March came and went and no payment made to Lender.   We called and called and sent him an email message to ask him why payments haven't been sent to Lender.  He finally responded by email just to say that he had not closed on a house that month and therefore he needed a little more time to repay amount to Lender. We agreed to extend for another 30 days.  April and May went by and still no payment to Lender. We called and called again and sent email messages, and are calls and email went unanswered.

I believe Jim Zaspel seeks out individuals he can victimize and have no recourse to recoup their investment.  SHAME ON YOU!!! Mr. Zaspel.  It's appalling for a person to do this to another human being.  Especially in our state of economy in which we are in today.  Families living pay check by check in most cases week to week.  

In short, a letter was sent by the attorney to Mr. Zaspel requesting return of funds plus interest. He called the attorney and admitted he owed the money.  However, he has yet to do this and it's now November 2012.  Clearly enough time for him to re-pay back the bank.  

Our family has been more than patient and it's high time I take further action to recoup our hard earn money.  How can he claim money from the front end of a signed agreement for doing absolutely nothing wouldn't  this be called "commingling" with funds.  I just have one more thing to say to you Mr. Jim Zaspel!!!! And that is....THE BUCK STOPS HERE!!!!!  I'll take this up with you in court!    Good Day!