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I will not metion the name of the bank. I will tell you the truth, you decide for yourself.
I Work in the collections dept. First home and home equity loans. We are busy as hell. Hiring big time. 60% of our collections is all from Ca. Most all of our customers are behind on there first and second mortage.
Today I charged of a million dollar home. The guy used to be a developer who coulnd't sell in propertys. He decided to go with the charges off, now he must deal with the IRS. they will go after him as that is earned income. Customers Fico scores have gone from 700 to low 500. 600 is the new 800.
We can't collect. People are leaving there keys behind telling us do what you have to. #1 reason for being behind, lost job, or property is not worth holding.
We have to continue to be nice, Sometimes I feel like telling them that " I am about to send my uncle sal over there and hope they have strong knees". We have to collect while being proffesional. What a joke. So many laws that protect them.
#1 line from customers is: Where not paying until we find out what's the obama plan.
《I work at a bank........... 》
Put it this way.. the difference between 5% and 6% is about $189 / Month (based on a 300k loan).
Wages are being cut and that extra money is a whole @#$% load..
I have an offer on a house that sold in 05 for 670k, and my offer is at 265k.
I live in Fairfield (which Vallejo-Fairfield is #8 in worst foreclosure cities according to Realtytrac).
Not to mention our sales tax was just increased. You haven't seen nothing yet. (I know 3 people.. that just stopped paying in the last 2 months). They indulged on buying big screen tv's etc. Now why do you think it "seems" there is a recovery? Because people are spending and not paying their debts. |
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狗仔卡
发表于 2009-6-2 10:03:56
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