Life Lessons, Thank you for the Lesson, in debt to you...a little more everyday! :) xoxooxoxox

I would love for you to call me......Just Sayin.  :)

Maybe someday, when someone actually reads the file you will stop this...I'm hopeful, still an optimist at heart I think.  :)

Although, I do love you for teaching me so many important life lessons.

1. document
2. document
3. document
4. be tenacious
5. a lie...isn't an answer
6. a threat really doesn't work with me
7. I'm not clever
8. Don't respond well to threats/extortion/tricks or any bamboozling of any kind.
9. I now know what "bad faith" actually means and what it feels like.
10.  That no matter what happens, I'm going to be Okay.

Code of Conduct JPMC what an Impression you have left on me! Thank you, I love you.

Code of Conduct

http://www.jpmorganchase.com/corporate/About-JPMC/code-of-conduct.htm

Our integrity and reputation depend on our ability to do the right thing, even when it’s not the easy thing. The Code of Conduct is a collection of rules and policy statements intended to assist employees and directors in making decisions about their conduct in relation to the firm's business. The Code is based on our fundamental understanding that no one at JPMorgan Chase should ever sacrifice integrity -- or give the impression that they have -- even if they think it would help the firm's business.

Access the JPMorgan Chase Code of Conduct PDF







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I don't even know how to respond to this...um, good luck with all that??  I love you!

From Your Mouth to God's Ears.

 This is brought to you directly from http://www.jpmorganchase.com/corporate/Corporate-Responsibility/homeownership.htm

 I have taken the liberty to underline and put in red... where I personally get stumped.  :)  Have a Happy Day!!

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Homeownership Preservation

Our Homeownership Preservation Office works with community leaders, housing advocates, public officials, investors and, most importantly our borrowers to help homeowners to stay in their homes. We work with our colleagues across the industry to develop policies, practices and solutions to help sustain homeownership. Our staff will do whatever it takes to help our customers, during these stressful times in their lives.   ****(my question...How will does your staff do whatever it takes to help your customers...if they won't infact talk to them....how does that work??  This one stumps me)****

The Homeownership Preservation Office:

• has opened 30 Chase Homeownership Centers (CHOCS) across the U.S. with plans to open 21 more by March 2010. Find a Chase Homeownership Center near you.
• has set up a hotline for in-depth counseling to Chase mortgage customers who are delinquent or at risk of foreclosure.
• created a targeted program to donate or sell distressed properties at reduced prices, in designated areas, to community groups and non-profit housing providers.
• has worked on industry-wide foreclosure prevention initiatives in Chicago, Atlanta, Detroit, New York City, Indianapolis, Dallas and Houston as well as Colorado and Ohio.
• facilitated foreclosure prevention training sessions to the non-profits and has trained more than 3,000 staff in non-profit agencies since its inception.
• helps more than 5,000 customers each month who need help making their mortgage payments.

Chase's Homeownership Preservation Office is also participating in the NeighborWorks America and Homeownership Preservation Foundation's national foreclosure intervention campaign along with other industry leaders including members of the Financial Services Roundtable's Housing Policy Council.

Whatcha Doing JP Morgan Chase? This isn't Good.

March 26, 2012  http://www.stockbrokerfraudblog.com

JP Morgan Chase To Pay $150M to Settle Securities Lawsuit Over Lending Program Losses of Union Pension Funds

To settle a securities lending lawsuit filed by the AFTRA Retirement Fund, the Investment Committee of the Manhattan and Bronx Surface Transit Operating System, and the Imperial County Employees’ Retirement System, JPMorgan Chase & Co. will pay $150 million. The union pension funds are blaming the financial firm for losses that they sustained through its securities lending program. A district court will have to approve the settlement.
JPMorgan had invested their money in Sigma Finance Corp. medium term notes, which is a financial instrument that has since failed. However, billions of dollars of repurchase financing was extended to Sigma in the process.
The securities claims accused JPMorgan of violating the Employee Retirement Income Security Act and its state-imposed fiduciary obligations when it invested in Sigma. The plaintiffs contend that financial firm should have known that the investment was a poor one.
Per the union pension funds’ contracts with JPMorgan, the investment bank is only supposed to put their money in investment vehicles that are low-risk and conservative. They believe that the Sigma vehicle did not meet that standard.
The consolidated class action alleges that JPMorgan foresaw Sigma’s impending failure, took part in predatory repo arrangements with significant discounts in order to pick the best of Sigma’s assets in its portfolio, and reduced the quality and quantity of these assets by taking title to assets in an amount that was nearly a billion dollars more than the financing it gave.
The Board of Trustees of the American Federation of Television and Radio Artists (AFTRA) Retirement Fund, which initially brought the class action case, contended that JPMorgan made close to $2 billion profit, even as the notes were left with almost no value. Last year, a year after the court certified the class action case, a judge gave partial summary judgment to the financial firm.
The plaintiffs believe that the securities lawsuit brought up a number of key factual and legal matters under New York common law and ERISA and that this made the case very hard to litigate. They say the $150 million proposed settlement is a representation of 30 – 100% of the potential provable losses if liability were to be set up for a certain breach date. Therefore, seeing as a trial could have led to a wide range of potential damage results, the settlement figure represents an appropriate range of recovery
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My response:  "Oh, goodness...what a mess?! 

Thursday, Enter the Element of Surprise (audience awwwww here)

 Imagine if someone actually knew what was happening, imagine if someone actually cared, imagine if my world wasn't surrounded by crooks and liars.

Imagine their surprise when I told Fannie Mae that their "Servicer" has gone almost a year without talking to me and I had to get an attorney.

Seriously...total brain damage, where only a little more time can be bought....options have run out and the wolves are at the door.  What do you do? Go to work, concentrate on what you can control and know that the universe is taking care of the rest...and what it doesn't take care of a bon fire and a match will take care of the rest.  apparently. 

Happy Thursday.

For the record...I laughed today...so many times that my stomach hurts and my cheeks ache. This is nothing if not humorous!!!!!!!!!