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Bank of America employees:

Bank of America employees: "We were told to lie"

(7:32) Under oath, six employees of Bank of America, from branches all around the country, say they were "told to lie to customers and claim that Bank of America had not received documents it had requested, and that it had not received trial payments (when in fact it had)..."

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Guest: (1538 days ago)
Bank of America's Response: 1) We have filed our opposition to plaintiffs' motion in U.S. District Court in Massachusetts -- including sworn declarations of executives, supervisors and other front-line employees -- providing evidence that plaintiffs' allegations are demonstrably false and devoid of any factual support. 2) Bank of America’s long-standing policy is only to foreclose as a last resort after available options to help keep people in their home have been exhausted. 3) We have helped more than 1.8 million customers avoid foreclosure. 4) Bank of America has successfully completed more HAMP mortgage modifications for our customers than any other servicer. 5) We have made unprecedented investments to support our customers in need of assistance and attain the government’s highest assessment category among HAMP servicers.
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Bank of America's Response: 1) We have filed our opposition to plaintiffs' motion in U.S. District Court in Massachusetts -- including sworn declarations of executives, supervisors and other front-line employees -- providing evidence that plaintiffs' allegations are demonstrably false and devoid of any factual support. 2) Bank of America’s long-standing policy is only to foreclose as a last resort after available options to help keep people in their home have been exhausted. 3) We have helped more than 1.8 million customers avoid foreclosure. 4) Bank of America has successfully completed more HAMP mortgage modifications for our customers than any other servicer. 5) We have made unprecedented investments to support our customers in need of assistance and attain the government’s highest assessment category among HAMP servicers.
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Guest: 0dnalgnec (1538 days ago)
all lies! you fu*king liars! fu*K you! you fu*king LYING amoral Thieves! and FU*K cenglad0 the duck-Fu*king codger banker fu*K!
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all lies! you fu*king liars! fu*K you! you fu*king LYING amoral Thieves! and FU*K cenglad0 the duck-Fu*king codger banker fu*K!
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Guest: (1538 days ago)
Why not wait until the outcome of the suit and then you will know the truth? All you know right now is what you hear in the media and the media is not known for their accuracy. At least the bank has issued a statement saying it's false so let's see you provide any evidence of wrong doing. Apparently those employees don't have any evidence either otherwise they would have shown it instead of just making comments that they saw hundreds of cases of this or that. Show some printouts of those accounts if it happened. This is why things end up in court. So both sides can state their case and a judgement is made at that time.
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Why not wait until the outcome of the suit and then you will know the truth? All you know right now is what you hear in the media and the media is not known for their accuracy. At least the bank has issued a statement saying it's false so let's see you provide any evidence of wrong doing. Apparently those employees don't have any evidence either otherwise they would have shown it instead of just making comments that they saw hundreds of cases of this or that. Show some printouts of those accounts if it happened. This is why things end up in court. So both sides can state their case and a judgement is made at that time.
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Guest: 0dnalgnec (1538 days ago)
FU*K YOU cenglad0! you think if you don't post under your stupid account i don't know what kind of comments you write? you devious fu*K! you want to talk ABOUT THE TRUTH you FU*K?? the truth is that you're a fu*king liar, a thief and a duck FU*KER! lie about it all you want, we all know the truth you FU*K! those poor bastards who confessed are going to jail, because baker pieces of sheit like you, will throw tons of money at the piece of sheit judicial system of the USA! those criminal FU*KS! you criminal FU*K! you criminal duck fu*king FU*K! and they will bury those poor clerks who finally found the balls to come out and say "FU*K YOU CENGLAD0, and everyone like you!" the worst those lying cheating stealing bankers will get is a fine, and then it's just business as usual, but before the trial is over they might just lobby a fu*king law into existence that says they're allowed to lie to people! so GO FU*K YOUR DUCKS YOU RETARDED PIECE OF DUNG cenglad0 smelling fu*K!
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FU*K YOU cenglad0! you think if you don't post under your stupid account i don't know what kind of comments you write? you devious fu*K! you want to talk ABOUT THE TRUTH you FU*K?? the truth is that you're a fu*king liar, a thief and a duck FU*KER! lie about it all you want, we all know the truth you FU*K! those poor bastards who confessed are going to jail, because baker pieces of sheit like you, will throw tons of money at the piece of sheit judicial system of the USA! those criminal FU*KS! you criminal FU*K! you criminal duck fu*king FU*K! and they will bury those poor clerks who finally found the balls to come out and say "FU*K YOU CENGLAD0, and everyone like you!" the worst those lying cheating stealing bankers will get is a fine, and then it's just business as usual, but before the trial is over they might just lobby a fu*king law into existence that says they're allowed to lie to people! so GO FU*K YOUR DUCKS YOU RETARDED PIECE OF DUNG cenglad0 smelling fu*K!
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tornadodog tornadodog (1538 days ago)
cary works for the bank of america so may be he can show some light on this?? or may be he will post his views as a guest?? by doing this he is showing a form of shame that wrong doing has happened.as cary has been missing for a while he could be one of the six as we did see the reborn cengland0 for a while, he could have grassed himself up for the good of mankind?? long live reborn cengland0!!!!!
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cary works for the bank of america so may be he can show some light on this?? or may be he will post his views as a guest?? by doing this he is showing a form of shame that wrong doing has happened.as cary has been missing for a while he could be one of the six as we did see the reborn cengland0 for a while, he could have grassed himself up for the good of mankind?? long live reborn cengland0!!!!!
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cengland0reborn cengland0reborn (1538 days ago)
Thank you tornadodog for your kind words. I have not been posting recently because I am so deeply ashamed of what has been happening in the capitalist system I used to support and defend. As a result I have joined a monastery down here in Florida LINK to try and atone for the sins of my posting (though it will take a long time to cover them all off). We are not a silent order, but as a novice I only have imited time on the office computer. God bless you all - especially 0dnalgnec: I completely agree with your intentions, though you will not go to heaven if you use so much bad language.
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Thank you tornadodog for your kind words. I have not been posting recently because I am so deeply ashamed of what has been happening in the capitalist system I used to support and defend. As a result I have joined a monastery down here in Florida LINK to try and atone for the sins of my posting (though it will take a long time to cover them all off). We are not a silent order, but as a novice I only have imited time on the office computer. God bless you all - especially 0dnalgnec: I completely agree with your intentions, though you will not go to heaven if you use so much bad language.
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Guest: 0dnalgnec (1538 days ago)
i love you!
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i love you!
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tornadodog tornadodog (1538 days ago)
thats good to hear.i see they have a gift shop would it be possible for you to see if they have one of those mugs with a nun on it where the nun strips as hot water is put in it as i broke my old one and can only see the nuns tits now
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thats good to hear.i see they have a gift shop would it be possible for you to see if they have one of those mugs with a nun on it where the nun strips as hot water is put in it as i broke my old one and can only see the nuns tits now
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cengland0reborn cengland0reborn (1538 days ago)
Sorry the nuns have all gone (they were very popular). I think they still have some mugs with choirboys.
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Sorry the nuns have all gone (they were very popular). I think they still have some mugs with choirboys.
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tornadodog tornadodog (1538 days ago)
if their are usa choirboys they still may have tits have a cupper and let us know please
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if their are usa choirboys they still may have tits have a cupper and let us know please
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cengland0 cengland0 (1538 days ago)
I'm still here watching but rarely post. Regarding which bank I work for, I have never stated that in any post and I'm not going to state that here either.
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I'm still here watching but rarely post. Regarding which bank I work for, I have never stated that in any post and I'm not going to state that here either.
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tornadodog tornadodog (1538 days ago)
cary its not hard to find out you work for the bank of america.you post in other places other than boreme. but i understand why you cant post as with me its in my job contact not to post about the company i work at so i understand. but one thing you could ask yourself is you fight for the right to free speech but you cant post on this because you have given that right up for your job plus the nsa are watching all of the people so wheres your free speech p.s even posting as a guest doesnt help cos the nsa can still find the source of the post. so your right to free speech is slowly being robbed from you right??
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cary its not hard to find out you work for the bank of america.you post in other places other than boreme. but i understand why you cant post as with me its in my job contact not to post about the company i work at so i understand. but one thing you could ask yourself is you fight for the right to free speech but you cant post on this because you have given that right up for your job plus the nsa are watching all of the people so wheres your free speech p.s even posting as a guest doesnt help cos the nsa can still find the source of the post. so your right to free speech is slowly being robbed from you right??
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cengland0 cengland0 (1538 days ago)
I am allowed to tell people where I work but I prefer not to. It's not listed on my facebook page, my youtube channel, or any other public posts that I make. I also do not tell people what department I work in and what level I'm at. It's not that I'm afraid of the NSA or any backlash from my company, it's more about people having more ammunition to pick on me. For example, if I announced I worked for ABC Bank, people on Boreme will try to dig up any dirt they could find on ABC Bank just for the sake of trying to either hurt my reputation or to try to invoke anger in me. If the stock price goes down a single penny, boreme members will post about it. If a low-level employee is arrested for something even if unrelated to the bank, we will get posts about it. This is why I don't tell people which bank I work for.
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I am allowed to tell people where I work but I prefer not to. It's not listed on my facebook page, my youtube channel, or any other public posts that I make. I also do not tell people what department I work in and what level I'm at. It's not that I'm afraid of the NSA or any backlash from my company, it's more about people having more ammunition to pick on me. For example, if I announced I worked for ABC Bank, people on Boreme will try to dig up any dirt they could find on ABC Bank just for the sake of trying to either hurt my reputation or to try to invoke anger in me. If the stock price goes down a single penny, boreme members will post about it. If a low-level employee is arrested for something even if unrelated to the bank, we will get posts about it. This is why I don't tell people which bank I work for.
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tornadodog tornadodog (1538 days ago)
your right some people will post like that to get too you.but you must accept thats the price you have to pay when you post your views and you have strong views. you know i dont agree with you on most things and there are others who feel the same.but most of the people who post against you respect you for your views and post their views to you in a repectful way so i dont understand why now you have stopped.i can guess but i throught you where stronger than that??
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your right some people will post like that to get too you.but you must accept thats the price you have to pay when you post your views and you have strong views. you know i dont agree with you on most things and there are others who feel the same.but most of the people who post against you respect you for your views and post their views to you in a repectful way so i dont understand why now you have stopped.i can guess but i throught you where stronger than that??
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cengland0 cengland0 (1538 days ago)
I stopped because I am taking the advice of glortman from this post here: LINK
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I stopped because I am taking the advice of glortman from this post here: LINK
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Guest: 0dnalgnec (1538 days ago)
he told you to FU*K OFF! but in a nice way. I almost bought it, but there's no trusting a banker piece of sheit like you! as soon as the abuse stops you'll be right back to vomiting stupid comments on boreme NON STOP! you lying codger banker FU*K! you just can't stop lying, can you? it's in your reptilian blood, you Fu*K! it's your nature! fu*k you!
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he told you to FU*K OFF! but in a nice way. I almost bought it, but there's no trusting a banker piece of sheit like you! as soon as the abuse stops you'll be right back to vomiting stupid comments on boreme NON STOP! you lying codger banker FU*K! you just can't stop lying, can you? it's in your reptilian blood, you Fu*K! it's your nature! fu*k you!
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tornadodog tornadodog (1538 days ago)
o.k well we still have 50% of you left here eg cengland0reborn so we will have to make the best of that
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o.k well we still have 50% of you left here eg cengland0reborn so we will have to make the best of that
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cengland0 cengland0 (1538 days ago)
Another factor is that I'm enjoying the extra free time. I no longer spend hours a day keeping up with the discussions here. I can now spend it doing other things that need to be done around the house.
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Another factor is that I'm enjoying the extra free time. I no longer spend hours a day keeping up with the discussions here. I can now spend it doing other things that need to be done around the house.
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Guest: (1538 days ago)
I, for one, am a daily boreme viewer that misses your (cengland0) contributions.
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I, for one, am a daily boreme viewer that misses your (cengland0) contributions.
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tornadodog tornadodog (1537 days ago)
looks like the ducks are going to get fat and the ducklings are getting a new friend. all the best and good luck
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looks like the ducks are going to get fat and the ducklings are getting a new friend. all the best and good luck
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Guest: 0dnalgnec (1538 days ago)
correction: you rarely post with your cenglad0 account, you lying codger banker fu*k!
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correction: you rarely post with your cenglad0 account, you lying codger banker fu*k!
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Guest: 0dnalgnec (1538 days ago)
bankers are lying thieves! FU*K cenglad0! that stupid lying codger banker!
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bankers are lying thieves! FU*K cenglad0! that stupid lying codger banker!
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Guest: (1538 days ago)
Noooo, banks are good. They create a friendly environment for society to prosper by fostering capitalism. It's a fair system where the best win. By any means.
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Noooo, banks are good. They create a friendly environment for society to prosper by fostering capitalism. It's a fair system where the best win. By any means.
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Guest: 0dnalgnec (1538 days ago)
your last sentence leads me to believe that your comment is sarcastic, which is why i won't verbally abuse you. Please let me know if that's not the case and don't forget: FU*K cenglad0 the lying piece of sheit codger banker fu*K!
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your last sentence leads me to believe that your comment is sarcastic, which is why i won't verbally abuse you. Please let me know if that's not the case and don't forget: FU*K cenglad0 the lying piece of sheit codger banker fu*K!
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Guest: (1538 days ago)
thats right fu*k capaptalism, fu*k the hand that feeds me....... twat
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thats right fu*k capaptalism, fu*k the hand that feeds me....... twat
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Guest: 0dnalgnec (1538 days ago)
you think capitalism feeds me you C*NT! is this like that "corporations are people" SHEIT that's floating around the empty heads of retarded pieces of SHEIT like you? i feed my own fu*king self you c*nt! i'd be better off if capitalist Lying thieving banker fu*Ks would stop robbing me and corrupting my politicians! you fu*king wank stain!
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you think capitalism feeds me you C*NT! is this like that "corporations are people" SHEIT that's floating around the empty heads of retarded pieces of SHEIT like you? i feed my own fu*king self you c*nt! i'd be better off if capitalist Lying thieving banker fu*Ks would stop robbing me and corrupting my politicians! you fu*king wank stain!
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Guest: (1538 days ago)
Your "corporations are people" comment shows your ignorance. Read up on it and educated yourself you stupid piece of scum.
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Your "corporations are people" comment shows your ignorance. Read up on it and educated yourself you stupid piece of scum.
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Guest: 0dnalgnec (1538 days ago)
well isn't that nice, the cengland0 groupie left a mean comment! you finally got the balls to call me "stupid piece of scum"! how lovely! ignorance? educate myself? i guess the advice you just gave me proves to everyone that you're smart and i'm not, right? YOU PIECE OF SHEIT! YOUR PATHETIC ATTEMPT AT LOGICAL THOUGHT MAKES WANT TO fart! YOU MANIPULATIVE PIECE OF SHEIT! you think that everyone who reads your retarded comment falls for your insinuations? you pretentious elitist, morally superior,wanker! FU*K YOU! you fu*king cengland0 groupie! go tell capitalism to give you a piece of fried sheit, tell it too keep feeding you like it did so far! you c*NT! what a fekin' load of crap... i can just picture the hand of capitalism trying to hand me a loaf of bread... but it would be just a fantasy, because in real life CAPITALISM WOULD TRY TO TAKE FROM ME THE LOAF OF BREAD I'M ALREADY HOLDING IN MY HAND! you cock sucking cenglad0 groupie, fu*k you!
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well isn't that nice, the cengland0 groupie left a mean comment! you finally got the balls to call me "stupid piece of scum"! how lovely! ignorance? educate myself? i guess the advice you just gave me proves to everyone that you're smart and i'm not, right? YOU PIECE OF SHEIT! YOUR PATHETIC ATTEMPT AT LOGICAL THOUGHT MAKES WANT TO fart! YOU MANIPULATIVE PIECE OF SHEIT! you think that everyone who reads your retarded comment falls for your insinuations? you pretentious elitist, morally superior,wanker! FU*K YOU! you fu*king cengland0 groupie! go tell capitalism to give you a piece of fried sheit, tell it too keep feeding you like it did so far! you c*NT! what a fekin' load of crap... i can just picture the hand of capitalism trying to hand me a loaf of bread... but it would be just a fantasy, because in real life CAPITALISM WOULD TRY TO TAKE FROM ME THE LOAF OF BREAD I'M ALREADY HOLDING IN MY HAND! you cock sucking cenglad0 groupie, fu*k you!
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Guest: guest123456789 (1537 days ago)
here's part 2 LINK Bank of America Employees: We Were Told To LIE To Struggling Home Owners (2/2)
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here's part 2 LINK Bank of America Employees: We Were Told To LIE To Struggling Home Owners (2/2)
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Guest: iknowlessthanyoudo (1538 days ago)
Lender theft of properties with enticing equity value is standard throughout lending history. How ironic that the radical right's agenda to shrink of government regulation to minimize corporate influence is exactly what gives banks impunity to steal. Since the far right hates government so much, we should disallow them access to roads funded by public fuel taxes or to toilets drains funded by public participation in water systems so they can get a dose of their own medicine.
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Lender theft of properties with enticing equity value is standard throughout lending history. How ironic that the radical right's agenda to shrink of government regulation to minimize corporate influence is exactly what gives banks impunity to steal. Since the far right hates government so much, we should disallow them access to roads funded by public fuel taxes or to toilets drains funded by public participation in water systems so they can get a dose of their own medicine.
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Guest: (1538 days ago)
spot on!
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spot on!
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Guest: (1537 days ago)
You call it lender theft when the borrower doesn't pay their bills and the lender has to take back the house at a huge loss to the bank? If the borrower bought a house at 200,000, it is probably worth much less than when they borrowed the money so the bank will sell it for $150,000 and after realtor fees, legal fees, and employee fees, they have lost a ton of money. Banks do not want to foreclose on houses just like they do not want to take back a car. Currently both have lost value immediately after purchase. When the housing market was great and the values were increasing every year, that would have been a different story but we didn't have as many borrowers vacating because they could always sell the house for a profit. Now that they want to move out and cannot sell the house to pay off their debt, they want to stick it to the banks. Who do you think loses in this situation now?
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You call it lender theft when the borrower doesn't pay their bills and the lender has to take back the house at a huge loss to the bank? If the borrower bought a house at 200,000, it is probably worth much less than when they borrowed the money so the bank will sell it for $150,000 and after realtor fees, legal fees, and employee fees, they have lost a ton of money. Banks do not want to foreclose on houses just like they do not want to take back a car. Currently both have lost value immediately after purchase. When the housing market was great and the values were increasing every year, that would have been a different story but we didn't have as many borrowers vacating because they could always sell the house for a profit. Now that they want to move out and cannot sell the house to pay off their debt, they want to stick it to the banks. Who do you think loses in this situation now?
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Guest: guest123456789 (1537 days ago)
cenglad0, you're being ridiculous, again. We all know this comment belongs to you so you might as well post it from your boreme user account. nevermind the haters, be a MAN!
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cenglad0, you're being ridiculous, again. We all know this comment belongs to you so you might as well post it from your boreme user account. nevermind the haters, be a MAN!
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cengland0 cengland0 (1537 days ago)
Oops, deleted duplicate message. Boreme servers having issues.
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Oops, deleted duplicate message. Boreme servers having issues.
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cengland0 cengland0 (1537 days ago)
What would make you think that the message was from me? If I wanted to post a message under my cengland0 user ID, I would do it. Besides, the guest is right and that's probably why you think it was from me :)
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What would make you think that the message was from me? If I wanted to post a message under my cengland0 user ID, I would do it. Besides, the guest is right and that's probably why you think it was from me :)
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Guest: guest123456789 (1537 days ago)
"If I wanted to post a message under my cengland0 user ID, I would do it" of course you would, but you didn't want to do it so you didn't, that doesn't mean that's not your comment, everyone who reads it can see from a mile away that it's your stile of commenting.
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"If I wanted to post a message under my cengland0 user ID, I would do it" of course you would, but you didn't want to do it so you didn't, that doesn't mean that's not your comment, everyone who reads it can see from a mile away that it's your stile of commenting.
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TheBob TheBob (1537 days ago)
Welcome back, comrade. But I'd be surprised if the bank took a huge loss on the house it repossessed. That would smack of financial mismanagement - surely banks wouldn't do a thing like that.
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Welcome back, comrade. But I'd be surprised if the bank took a huge loss on the house it repossessed. That would smack of financial mismanagement - surely banks wouldn't do a thing like that.
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cengland0 cengland0 (1537 days ago)
Banks take losses on foreclosures. For example, if I buy a $100,000 house and the property value goes up to $150,000 and I still owe $80,000 by the time it's goes through foreclosure proceedings, The lawyers would recommend the borrower to sell the property and pocket the extra money. If the value goes down, the borrower may not be able to pay off the remaining balance and the borrower cannot sell the house for the amount of the loan because it's the loan amount is still above market value for the house so it ends up in foreclosure. If you do your research, you will notice that banks take losses on foreclosures. Banks want the borrower to stay in the house and continue paying on their obligation. The bank would even prefer that the borrower refinance through another lender or pay it off than go through a foreclosure process. Banks borrow money by issuing bonds or other methods and use that to purchase the house. If the borrower stops paying for their debt obligations, the bank still has to pay back the interest and principal on the bonds. How can you possibly think the bank wants the borrower to stop paying?!?!? That's just ridiculous.
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Banks take losses on foreclosures. For example, if I buy a $100,000 house and the property value goes up to $150,000 and I still owe $80,000 by the time it's goes through foreclosure proceedings, The lawyers would recommend the borrower to sell the property and pocket the extra money. If the value goes down, the borrower may not be able to pay off the remaining balance and the borrower cannot sell the house for the amount of the loan because it's the loan amount is still above market value for the house so it ends up in foreclosure. If you do your research, you will notice that banks take losses on foreclosures. Banks want the borrower to stay in the house and continue paying on their obligation. The bank would even prefer that the borrower refinance through another lender or pay it off than go through a foreclosure process. Banks borrow money by issuing bonds or other methods and use that to purchase the house. If the borrower stops paying for their debt obligations, the bank still has to pay back the interest and principal on the bonds. How can you possibly think the bank wants the borrower to stop paying?!?!? That's just ridiculous.
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Guest: guest123456789 (1537 days ago)
in theory, you are correct, in Practice you are not. We've seen this with you on other issues.
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in theory, you are correct, in Practice you are not. We've seen this with you on other issues.
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cengland0 cengland0 (1537 days ago)
Care to show me where banks are making money on foreclosures then? If you were right, the borrowers would not have needed the HAMP money after the housing bubble burst. I'd like to see your ideas of how banks make money on such deals.
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Care to show me where banks are making money on foreclosures then? If you were right, the borrowers would not have needed the HAMP money after the housing bubble burst. I'd like to see your ideas of how banks make money on such deals.
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cengland0 cengland0 (1537 days ago)
Looks like guest123456789 cannot backup his claim.
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Looks like guest123456789 cannot backup his claim.
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Guest: guest123456789 (1536 days ago)
it's all in the video cengland0, it starts at the 6:00 minute mark if you're really interested. here's part 2 for some extra info LINK
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it's all in the video cengland0, it starts at the 6:00 minute mark if you're really interested. here's part 2 for some extra info LINK
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cengland0 cengland0 (1536 days ago)
The video does state they make money but this is the media that doesn't know what they are talking about. They are obviously not experts in this field because they didn't do their research. First, the stock price yesterday (5/7) is $12.90. The price before the housing market bubble burst was $54.85 (11/20/2006). Net income in 2006 was $21.1 billion. Net income in 2012 was $4.1 billion. So tell me again how the bank is making money by people not paying for their houses? LINK If you read the 2012 annual report, you will see that the Consumer Real Estate Services segment had non interest expenses of 17 billion (a huge loss) and a net loss of 6.5 billion.
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The video does state they make money but this is the media that doesn't know what they are talking about. They are obviously not experts in this field because they didn't do their research. First, the stock price yesterday (5/7) is $12.90. The price before the housing market bubble burst was $54.85 (11/20/2006). Net income in 2006 was $21.1 billion. Net income in 2012 was $4.1 billion. So tell me again how the bank is making money by people not paying for their houses? LINK If you read the 2012 annual report, you will see that the Consumer Real Estate Services segment had non interest expenses of 17 billion (a huge loss) and a net loss of 6.5 billion.
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Guest: guest123456789 (1536 days ago)
are banks "the servicers" or "the investors" ? did you watch the part 2 video?
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are banks "the servicers" or "the investors" ? did you watch the part 2 video?
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cengland0 cengland0 (1536 days ago)
I watched both parts of the video. What you are showing me is a bunch of non expert TV personalities discussing what they think is happening. Look up those annual reports that I linked and look for yourself. Don't just trust the media and actually do some real reading. I know I've mentioned your inability to comprehend words on a page before but please at least try. Let me know where you get stuck and I'll try to help you out. Regarding the investors versus the servicers, this is how that works: The bank borrows money from investors at a set rate. They will then loan that money out to individuals to buy a house at a higher rate (the difference is called the margin). The bank still needs to pay back the investor at the agreed upon rate regardless if the borrower pays the bank back or not. The bank will use profits from other parts of the business to make up for these losses. This is a fundamental banking concept. If you don't understand how that works, please ask specific questions and I will try to clarify.
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I watched both parts of the video. What you are showing me is a bunch of non expert TV personalities discussing what they think is happening. Look up those annual reports that I linked and look for yourself. Don't just trust the media and actually do some real reading. I know I've mentioned your inability to comprehend words on a page before but please at least try. Let me know where you get stuck and I'll try to help you out. Regarding the investors versus the servicers, this is how that works: The bank borrows money from investors at a set rate. They will then loan that money out to individuals to buy a house at a higher rate (the difference is called the margin). The bank still needs to pay back the investor at the agreed upon rate regardless if the borrower pays the bank back or not. The bank will use profits from other parts of the business to make up for these losses. This is a fundamental banking concept. If you don't understand how that works, please ask specific questions and I will try to clarify.
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Guest: guest123456789 (1536 days ago)
"What you are showing me is a bunch of non expert TV personalities discussing what they think is happening" that is purposely misleading statement and here's why: this is Alexis Goldstein LINK and LINK ; i doubt she doesn't know what she's talking about. Here is Daniel Dicker LINK , LINK , i doubt he doesn't know what he's talking about. Here is Eric Schneiderman LINK , LINK , i also doubt that he doesn't know what he's talking about. Now seeing that bankers have a reputation for being misleading (which can be seen in the title of the video) and since you are a banker, i have to say that i don't believe a word you say. Furthermore your statement " I know I've mentioned your inability to comprehend words on a page before but please at least try." doesn't get me to feel inferior in anyway, but it does get me to think that, for lack of a better argument you're resorting to a emotional manipulation strategy, which leads me to believe that you think you have no case. In addition to that, Tornadodog mentioned that you work for Bank of America and he stated that he knows that because he read one of your comments on other forums; this means you also might have gotten the memo where you were instructed to lie. I have no interest in debating banking with you because your credibility on the subject is compromised to a point where (i think) anything you say could be a lie. And no matter how many technical details you will try to throw at me, the fact remains that i will always take the word of these 3 people over yours. These people say the employees of bank of america are instructed to lie, you work for bank of america. see the connection? you also said " This is a fundamental banking concept." again i have to point out that theory and reality are 2 different things and when trying to defend your point of view you always bring forth the theory and ignore the reality. Fundamental Banking concepts have been ignored for decades, in fact, i doubt they were ever respected.
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"What you are showing me is a bunch of non expert TV personalities discussing what they think is happening" that is purposely misleading statement and here's why: this is Alexis Goldstein LINK and LINK ; i doubt she doesn't know what she's talking about. Here is Daniel Dicker LINK , LINK , i doubt he doesn't know what he's talking about. Here is Eric Schneiderman LINK , LINK , i also doubt that he doesn't know what he's talking about. Now seeing that bankers have a reputation for being misleading (which can be seen in the title of the video) and since you are a banker, i have to say that i don't believe a word you say. Furthermore your statement " I know I've mentioned your inability to comprehend words on a page before but please at least try." doesn't get me to feel inferior in anyway, but it does get me to think that, for lack of a better argument you're resorting to a emotional manipulation strategy, which leads me to believe that you think you have no case. In addition to that, Tornadodog mentioned that you work for Bank of America and he stated that he knows that because he read one of your comments on other forums; this means you also might have gotten the memo where you were instructed to lie. I have no interest in debating banking with you because your credibility on the subject is compromised to a point where (i think) anything you say could be a lie. And no matter how many technical details you will try to throw at me, the fact remains that i will always take the word of these 3 people over yours. These people say the employees of bank of america are instructed to lie, you work for bank of america. see the connection? you also said " This is a fundamental banking concept." again i have to point out that theory and reality are 2 different things and when trying to defend your point of view you always bring forth the theory and ignore the reality. Fundamental Banking concepts have been ignored for decades, in fact, i doubt they were ever respected.
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cengland0 cengland0 (1536 days ago)
Your comment, "I have no interest in debating banking with you" says it all. That means I win. You refuse to look at the financial statements that I linked that proves those media personalities do not know what they are talking about. Case closed. Regarding tornadodog thinking he saw a post disclosing which bank I work for, he might have imagined it because I purposely prevent from telling people this information. Provide a link to my statement or it didn't happen.
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Your comment, "I have no interest in debating banking with you" says it all. That means I win. You refuse to look at the financial statements that I linked that proves those media personalities do not know what they are talking about. Case closed. Regarding tornadodog thinking he saw a post disclosing which bank I work for, he might have imagined it because I purposely prevent from telling people this information. Provide a link to my statement or it didn't happen.
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tornadodog tornadodog (1535 days ago)
cary can you now state for the record that i was correct and didnt imagine anything as you have now deleted the info. please also be aware of the save as function and trying to make me out to be a liar wouldnt be a smart move. i guess a no post from you because you have been proved wrong but are unable to admit it to yourself let alone people on here
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cary can you now state for the record that i was correct and didnt imagine anything as you have now deleted the info. please also be aware of the save as function and trying to make me out to be a liar wouldnt be a smart move. i guess a no post from you because you have been proved wrong but are unable to admit it to yourself let alone people on here
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cengland0 cengland0 (1535 days ago)
Just to clarify, I have not been proven wrong about anything to do with banks and how they make or lose money. I did have doubt that the name of my bank was listed anywhere because I specifically avoided making that public knowledge. You discovered a site that I frankly do not remember adding information to and that page has been unused for a long time so I didn't know to check there. That page did disclose the names of companies that I worked for in the past and my current employer as well as the name of one of my privately owned companies (plus schools and universities that I attended and countries that I lived in). I have neither confirmed nor denied working for any specific company but would still like to keep the name of my bank anonymous. I am not in a department that is authorized to speak on behalf of the company to the media so I cannot give out any non-public information and state it is coming from my company. These are rules that the company has given us in our code of ethics and mentioning the company in a discussion about banking may appear as if I am making an official statement on behalf of the bank which I cannot do. I deleted all the information that I could from that site and will eventually delete the account completely once I determine it will not affect other services provided by the same company that had that information. So I thank you for pointing out that the information was available and after hunting it down I was able to find it and the information should now be private again. If you do see it listed again in a spot that I can control, please make me aware of it. I appreciate it.
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Just to clarify, I have not been proven wrong about anything to do with banks and how they make or lose money. I did have doubt that the name of my bank was listed anywhere because I specifically avoided making that public knowledge. You discovered a site that I frankly do not remember adding information to and that page has been unused for a long time so I didn't know to check there. That page did disclose the names of companies that I worked for in the past and my current employer as well as the name of one of my privately owned companies (plus schools and universities that I attended and countries that I lived in). I have neither confirmed nor denied working for any specific company but would still like to keep the name of my bank anonymous. I am not in a department that is authorized to speak on behalf of the company to the media so I cannot give out any non-public information and state it is coming from my company. These are rules that the company has given us in our code of ethics and mentioning the company in a discussion about banking may appear as if I am making an official statement on behalf of the bank which I cannot do. I deleted all the information that I could from that site and will eventually delete the account completely once I determine it will not affect other services provided by the same company that had that information. So I thank you for pointing out that the information was available and after hunting it down I was able to find it and the information should now be private again. If you do see it listed again in a spot that I can control, please make me aware of it. I appreciate it.
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tornadodog tornadodog (1535 days ago)
Most people would have just put sorry I was wrong.maybe cengland0reborn can help out with that
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Most people would have just put sorry I was wrong.maybe cengland0reborn can help out with that
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cengland0reborn cengland0reborn (1533 days ago)
NNGGAAHH. I'm just not strong enough to keep control all the time. My evil alter-ego keeps suppressing me. Quick, while he's asleep, I have to say sorry to tornadodog. You were right all along. I'm going to have to do some serious praying to atone for this batch of posts. Oh no! I think he's waking up again. Goodb NNGGAAHH!
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NNGGAAHH. I'm just not strong enough to keep control all the time. My evil alter-ego keeps suppressing me. Quick, while he's asleep, I have to say sorry to tornadodog. You were right all along. I'm going to have to do some serious praying to atone for this batch of posts. Oh no! I think he's waking up again. Goodb NNGGAAHH!
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tornadodog tornadodog (1535 days ago)
P.s still laughing at your post have you forgotten what the post vid was about??and you post about how your bank has a code of ethics.will leave this for 12345678 to follow up and odnalgnec.you believe the shit you post to be correct and that's so sad
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P.s still laughing at your post have you forgotten what the post vid was about??and you post about how your bank has a code of ethics.will leave this for 12345678 to follow up and odnalgnec.you believe the shit you post to be correct and that's so sad
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Guest: thanks dude! (1534 days ago)
yow just owned and exposed cengland0 as a liar and a corporate propagandist. i have to save this post for future reference. thanks tornadodog :)
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yow just owned and exposed cengland0 as a liar and a corporate propagandist. i have to save this post for future reference. thanks tornadodog :)
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tornadodog tornadodog (1534 days ago)
Thanks it took long enough.but I don't think he is a liar.it more of a illness he believes all that he posts to be true and we are the ones that are wrong.I guess he had problems as a kid unable to live up to his families wishes of him so the state brainwashed him to who he is now .or he's just plain narko.anyway its not that important
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Thanks it took long enough.but I don't think he is a liar.it more of a illness he believes all that he posts to be true and we are the ones that are wrong.I guess he had problems as a kid unable to live up to his families wishes of him so the state brainwashed him to who he is now .or he's just plain narko.anyway its not that important
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Guest: (1534 days ago)
has it occurred to you that you might be wrong, after all do you work in a bank, or know about finance ?
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has it occurred to you that you might be wrong, after all do you work in a bank, or know about finance ?
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tornadodog tornadodog (1534 days ago)
Yes that's why I use the words I think and I guess.no I don't work in a bank I also don't work with bulls but I know what bullshit smells and looks like
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Yes that's why I use the words I think and I guess.no I don't work in a bank I also don't work with bulls but I know what bullshit smells and looks like
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Guest: (1533 days ago)
so to recap you admit to your ignorance and yet feel free to make to make spectulative conclusions based on that ignorance.
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so to recap you admit to your ignorance and yet feel free to make to make spectulative conclusions based on that ignorance.
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tornadodog tornadodog (1533 days ago)
To recap if it makes you happy yes I admit to my ignorance.and will agree with you on any points you wish to make next.I put this down to my ingnorance that you have kindly pointed out
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To recap if it makes you happy yes I admit to my ignorance.and will agree with you on any points you wish to make next.I put this down to my ingnorance that you have kindly pointed out
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Guest: guest123456789 (1533 days ago)
that was "evil" cengland0 you just talked to :)) (even though he didn't use his nick) trying to convince you that we should learn about banks only from bankers, about christianity only from christians, islam only from imams ..etc. don't listen to him, we now know he's a manipulative and deceitful person :) i mean, his bank told hi to lie and he's doing it.
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that was "evil" cengland0 you just talked to :)) (even though he didn't use his nick) trying to convince you that we should learn about banks only from bankers, about christianity only from christians, islam only from imams ..etc. don't listen to him, we now know he's a manipulative and deceitful person :) i mean, his bank told hi to lie and he's doing it.
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Guest: (1533 days ago)
and is suppose we should learn about being an idiots only from idiots. Cant you distinguish between writing styles
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and is suppose we should learn about being an idiots only from idiots. Cant you distinguish between writing styles
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Guest: 0dnalgnec (1533 days ago)
it's either cengfu*k trying to write as if it's not him, and in that case GO FU*K yourself you fekin codger twat!! or that co*K sucker fanboy groupie of his who calls himself mad! a bunch of in the closet faggats both of em! What the fu*k did i tell you all?? once i stop the abuse stool heads pop up like mushrooms after the rain! one more fekin' reason to tell cenglan0 bumshag fagget and his fandom to go fu*k themselves up the arse with a duck beak! what's this nonsense i hear that cengfu*k stopped commenting because he took glortman's advise? that's CRAP! fu*k you cengland0! go get bum fu*ked you twat! looks like abuse works well when it comes to keeping idiots in their place!
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it's either cengfu*k trying to write as if it's not him, and in that case GO FU*K yourself you fekin codger twat!! or that co*K sucker fanboy groupie of his who calls himself mad! a bunch of in the closet faggats both of em! What the fu*k did i tell you all?? once i stop the abuse stool heads pop up like mushrooms after the rain! one more fekin' reason to tell cenglan0 bumshag fagget and his fandom to go fu*k themselves up the arse with a duck beak! what's this nonsense i hear that cengfu*k stopped commenting because he took glortman's advise? that's CRAP! fu*k you cengland0! go get bum fu*ked you twat! looks like abuse works well when it comes to keeping idiots in their place!
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Guest: (1533 days ago)
whats the matter with you, didn't you get enough love as a child., why is it your posts always seem to turn to the subject of anal sex, Are you frustrated. You know freud had a lot to say on the subject
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whats the matter with you, didn't you get enough love as a child., why is it your posts always seem to turn to the subject of anal sex, Are you frustrated. You know freud had a lot to say on the subject
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Guest: 0dnalgnec (1533 days ago)
FU*K YOU! YOU NAMELES PIECE OF SHEIT COWARD! GET YOURSELF A NAME SO I CAN VERBALLY ABUSE YOU PROPERLY! FYI, my MUM stole my boyfriend, Gary, (that BI*CH) and now i can't stand idiotic right wing propagandists because my mum is one of them! are you reading this MUM!?! FU*K YOU< YOU C*NT! DAD WAS RIGHT TO SLAP YOU TILL YOU SHEIT YOURSELF! FU*K YOU MUM! AND FU*K CENGLAND0 the duck fu*ker! AND FU*K YOU, NAMELESS GUEST!
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FU*K YOU! YOU NAMELES PIECE OF SHEIT COWARD! GET YOURSELF A NAME SO I CAN VERBALLY ABUSE YOU PROPERLY! FYI, my MUM stole my boyfriend, Gary, (that BI*CH) and now i can't stand idiotic right wing propagandists because my mum is one of them! are you reading this MUM!?! FU*K YOU< YOU C*NT! DAD WAS RIGHT TO SLAP YOU TILL YOU SHEIT YOURSELF! FU*K YOU MUM! AND FU*K CENGLAND0 the duck fu*ker! AND FU*K YOU, NAMELESS GUEST!
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Guest: man in white coat (1533 days ago)
hmmmmn, and who has the first mustachiod man you dreamed of having sex with ?
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hmmmmn, and who has the first mustachiod man you dreamed of having sex with ?
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Guest: 0dnalgnec (1533 days ago)
my grandpa after he bumfu*ked me when i was 10! FU*K YOU and your white coat!
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my grandpa after he bumfu*ked me when i was 10! FU*K YOU and your white coat!
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tornadodog tornadodog (1533 days ago)
Latest comment: Freud was wrong on a lot of this ideas mainly around sex.but will give him the 3 states of the mind ego super ego etc. Even anna freud wasn't a 100%.more of a fan of b f skinner.would be nice if you could be abit braver and post under a name but I do understand if all this fears you
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Latest comment: Freud was wrong on a lot of this ideas mainly around sex.but will give him the 3 states of the mind ego super ego etc. Even anna freud wasn't a 100%.more of a fan of b f skinner.would be nice if you could be abit braver and post under a name but I do understand if all this fears you
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cengland0 cengland0 (1534 days ago)
What are you talking about? Where have I lied?
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What are you talking about? Where have I lied?
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Guest: the dude that thanked the dude (1534 days ago)
there you go again. you just can't stop lying.
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there you go again. you just can't stop lying.
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cengland0 cengland0 (1534 days ago)
Everything I stated about how the banks lose money on foreclosures (what the video is about) is correct. I have posted links to the company's annual reports for proof that money is being lost but many of you have refused to look for yourself. We do have a code of ethics and I believe most large corporations do. What was your point about that? Just because I cannot speak for the bank I work for but speak for banking in general, you somehow think that I am wrong in what I am saying? Note that I have defended many banking institutions, most recently HSBC (A UK based bank) because some people want the CEO to go to jail for the actions of some tellers in Mexico.
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Everything I stated about how the banks lose money on foreclosures (what the video is about) is correct. I have posted links to the company's annual reports for proof that money is being lost but many of you have refused to look for yourself. We do have a code of ethics and I believe most large corporations do. What was your point about that? Just because I cannot speak for the bank I work for but speak for banking in general, you somehow think that I am wrong in what I am saying? Note that I have defended many banking institutions, most recently HSBC (A UK based bank) because some people want the CEO to go to jail for the actions of some tellers in Mexico.
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Guest: enough with the lies (1534 days ago)
we now know for a fact that you work for bank of america and that bank of america instructed it's employees to lie. chances are you are lying again when you say that your words are true.
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we now know for a fact that you work for bank of america and that bank of america instructed it's employees to lie. chances are you are lying again when you say that your words are true.
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Guest: guest123456789 (1536 days ago)
WOW! "that means i win" WOW! ok, it's a shame your credibility is compromised in such a way that nobody believes you :)
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WOW! "that means i win" WOW! ok, it's a shame your credibility is compromised in such a way that nobody believes you :)
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Guest: guest123456789 (1536 days ago)
PS: the full statement was " I have no interest in debating banking with you because your credibility on the subject is compromised to a point where (i think) anything you say could be a lie." . trying to take things out of context is another manipulative strategy which you often use to "win" your "debates", but it does nothing more than to prove my point. sorry.
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PS: the full statement was " I have no interest in debating banking with you because your credibility on the subject is compromised to a point where (i think) anything you say could be a lie." . trying to take things out of context is another manipulative strategy which you often use to "win" your "debates", but it does nothing more than to prove my point. sorry.
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cengland0 cengland0 (1536 days ago)
You don't have to bother with my credibility if you would just read the company's annual report for yourself but you refuse to do that. In my opinion, that's because of your poor reading comprehension that we have experienced on previous threads where you post a link supposedly supporting a claim of yours when in fact it does the exact opposite.
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You don't have to bother with my credibility if you would just read the company's annual report for yourself but you refuse to do that. In my opinion, that's because of your poor reading comprehension that we have experienced on previous threads where you post a link supposedly supporting a claim of yours when in fact it does the exact opposite.
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Guest: guest123456789 (1536 days ago)
just google bank of america to see haw credible they are. Here are a few articles LINK , LINK . I have no interest in reading the official lies/documents of Bank of America that prove they don't lie. I don't know if you noticed, but lately, across the globe, the general feeling is that banks and bankers are not to be trusted; this means you can mock my "reading comprehension" all you want, nobody will believe you anyway.
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just google bank of america to see haw credible they are. Here are a few articles LINK , LINK . I have no interest in reading the official lies/documents of Bank of America that prove they don't lie. I don't know if you noticed, but lately, across the globe, the general feeling is that banks and bankers are not to be trusted; this means you can mock my "reading comprehension" all you want, nobody will believe you anyway.
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cengland0 cengland0 (1536 days ago)
Again, those media sites do not know what they are saying. The first link has nothing to do with foreclosures and is talking about a 45 billion dollar bailout. Bank of America did not receive a bailout, they received and paid back 45 billion in TARP money plus inflated interest. If only you understood what the TARP money was for and the fact many of the banks did not want the money then you would understand why it's not a bailout. Read up on it. The second link is about A.I.G. suing Bank of America for $10 billion. A.I.G. lost and Bank of America won. Sorry you feel that a bank committed some sort of fraud but the law didn't see it that way and that's why they sided with the bank. Case closed.
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Again, those media sites do not know what they are saying. The first link has nothing to do with foreclosures and is talking about a 45 billion dollar bailout. Bank of America did not receive a bailout, they received and paid back 45 billion in TARP money plus inflated interest. If only you understood what the TARP money was for and the fact many of the banks did not want the money then you would understand why it's not a bailout. Read up on it. The second link is about A.I.G. suing Bank of America for $10 billion. A.I.G. lost and Bank of America won. Sorry you feel that a bank committed some sort of fraud but the law didn't see it that way and that's why they sided with the bank. Case closed.
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Guest: guest123456789 (1536 days ago)
i wonder who lobbies for the laws the banks have to respect... hmm... could it be banks? could it be that they won the lawsuit so as to not create a precedent? (these were rhetorical questions) sorry cengland0, your credibility and the credibility of bank of america was compromised a long time ago. Not to mention the 16 trillion dollar secret bailout, but we talked about this on multiple occasions, so i'm not interested in hearing the same excuses and rationalizations all over again. You're a banker and people dislike you and distrust you for that(see other comments), you have to deal with the idea that being a banker is no longer a respectable profession.
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i wonder who lobbies for the laws the banks have to respect... hmm... could it be banks? could it be that they won the lawsuit so as to not create a precedent? (these were rhetorical questions) sorry cengland0, your credibility and the credibility of bank of america was compromised a long time ago. Not to mention the 16 trillion dollar secret bailout, but we talked about this on multiple occasions, so i'm not interested in hearing the same excuses and rationalizations all over again. You're a banker and people dislike you and distrust you for that(see other comments), you have to deal with the idea that being a banker is no longer a respectable profession.
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Guest: guest123456789 (1535 days ago)
come on cengland0, put your money where your mouth is and give him the green light! you wouldn't want people to think you're a bluffer and deceiver, would you?
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come on cengland0, put your money where your mouth is and give him the green light! you wouldn't want people to think you're a bluffer and deceiver, would you?
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tornadodog tornadodog (1536 days ago)
cary before i do add link do you what me too?the link has a link to your facebook page and your utube page and i dont what to post link without you being 100% sure.so i ask again do you what this link posted?? clues for you tandy atat citigroup sherman novato hawaii
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cary before i do add link do you what me too?the link has a link to your facebook page and your utube page and i dont what to post link without you being 100% sure.so i ask again do you what this link posted?? clues for you tandy atat citigroup sherman novato hawaii
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Guest: twisted (1538 days ago)
You have a lot of time on your hands. Are you writing a book or do you just enjoy having 2nd, 3rd, and 4th party conversations with yourself
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You have a lot of time on your hands. Are you writing a book or do you just enjoy having 2nd, 3rd, and 4th party conversations with yourself
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Guest: Mehdi Hasan (1534 days ago)
LINK Has capitalism failed the world? Former financial regulator Lord Adair Turner discusses the role of banks, the politics behind austerity, and capitalism.
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LINK Has capitalism failed the world? Former financial regulator Lord Adair Turner discusses the role of banks, the politics behind austerity, and capitalism.
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TheBob TheBob (1538 days ago)
What? Banks are more concerned with making money than providing a service to their customers? I'm flabbergasted
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What? Banks are more concerned with making money than providing a service to their customers? I'm flabbergasted
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