www.refundmortgageandcarloans.com
When one door closes another door opens; but we often look so longingly and so regretfully upon the door that closed, that we fail to see the one that has opened for us.
BIG - DEEP - DARK SECRET the banks don't want you to know!!!
Stop Losing Your Hard Earned Money. Chances are you're owed thousands of dollars from the banks and don't even know it!
"over the six-year life on the average loan, a homeowner could pay roughly $1,558 to much..."
" We dug deeper and deeper and found that this system of overcharging is virtually universal...
"It runs across the entire mortgage lending industry" Former New York State Attorney General - Robert Abrams
From: Brad Wednesday, March 10, 2010 Time: 3:35
Dear Friend,
From the onset you should know that many banks - lenders - and financial institutions do not want you to look at this website! This website reveals the ... BIG - DEEP - DARK - SECRET...
My friend, the odds are you may have caught a glimpse of the BIG - DEEP - DARK - SECRET ... that the banking cartels don't want exposed -in your local newspaper or even seen it on the evening news without realizing it!
Well, here's one of the BIGGEST, DARKEST, SECRETS revealed...
For many moons, the banking cartels have been quietly overcharging their clients hundreds, if not thousands of bucks on Mortgages and loans! For example, according to national experts the average refund on an ARM(Adjustable Rate Mortgage) is about $1,500! The catch is you have to ask for it! That's where I come in.
Without being informed or without the right knowledge these overcharges are so carefully hidden that the odds are you may even be one of the cartels victims and not realize it! Experts estimate that over 50% of mortgage holders in the United Sates of America could be owed as much as hundreds of dollars in refunds. Thank we're pulling your leg... " Between 50 and 60 percent of an mortgage contains some sort of error in the way interest is charged, their study shows." - Real Estate Weekly
" More than two thirds of adjustable commercial real estate loans may contain errors resulting in billions of dollars in unjustified charges..." - Chicago Tribune
By law the lenders - banks - and financial institutions are required to refund to you in about 30 days... No "ifs", "ands" or "buts" about it!
To the unsuspecting victim it could be draining your bank account hundreds and even thousands of dollars in hidden overpayments every year!
The average error is about $242 per monthly statement. Staggering isn't it? When we discovered the rate at which banks made mistakes we where stunned, but assumed it must be some isolated incidence of a few dollars here & there; $242 per monthly statement is incredible.
To brake - down what all this mean? What does these banking cartel errors add up to? Statistics (and the most conservative ones at that) had me thinking when I first discovered them ...
Annual statements: 12
Statements with errors: 6 (12 x 54%)
Mistakes in lenders favor: 84%
Number of statement with errors in banks favor: 5 (6 x 84%)
average monthly statement error: $242
This tells me on average the interest that they overchage you in one year on your loan account amounts to $1,210 a year; "Ouch Mommy That Hurts!!!"
There is something you can do about this, you don't have to stay a victim. Average Americans are now getting their money back with the help of Coleman's Independence Institute. There are thousands of real life examples of average citizens getting refunds of any where from $500 to over $80,000.00.
But it's not just mortgages! Overpayments can happen on any loan - car loans - personal loans - even credit cards!
I bet you may be asking yourself, how could this be - I thought they hardly ever make any mistakes, due to the sophisticated computer programing, expensive software, experienced manager, and techies they have on staff or contracted with. After all, aren't banks supposed to be DAM good at math?" This is a valid question on your part. Thanks to this misconception that the general public has, the banks - lenders - and financial institutions have gotten away with overcharging customers on loans for years! The biggest reason why overcharges are created is that ... Let me be frank, the bank cartels on a regular basis make mistakes on your car loans, personal loans, and even credit cards? No, it doesn't stop there.
Loans and mortgages can be sold several times! It is very common for lenders to sell their loans to other lenders in order to make a quick profit!
Once a loan is sold there are 3 main reasons why overcharges occur
Reason 1: It is estimated that there are over 1,000 different types of mortgages and loans! All mortgages and loans have their own unique adjustable interest rate computation and programming format. Every time this sensitive data is transferred from the original banks' computer, to the new banks' computer difficult programming adjustments, changes and modifications have to be made.
Typically these program changes and modifications are made by programmers or clerks who are paid on an hourly basis. Historically this high turnover group may not have the necessary training to accomplish this programming nightmare correctly. To further complicate matters, these same changes and modifications usually need to be done in a hurry!
Reason 2: But it's not only loans sold in the banking secondary market that have to be reprogrammed. Oh, no! Far from it. Everyday you read and hear about banks and other lenders being bought out or merged with other financial institutions. When this happens many times these loans have to be reprogrammed also.
Reason 3: Most mortgages are written in "legalese". Unless an attorney is present in the computer data processing department, a loan can be incorrectly interpreted. Even if a loan is correctly interpreted, the programmer or clerk may not have the necessary math skills to compute and program the calculations correctly. Now my friend you should begin to realize the magnitude of the problem.
Recently a well known bank ( I'm not allowed to reveal its name, due to safety precautions) found they had overcharged fees on 55,000 customer's accounts and it totalled $52,000,000. That's right $52 million dollars.
That's an average of $945 for each person.
What we find pretty amazing about this is that the bank found the problem NOT the customers. That means that fifty five thousand people didn't notice the best part of $1000 was missing from their bank account.
So, why didn't these hard working individuals notice the $945 overcharges?
The problem is that bank statements can be difficult to read and are not always what they seem. Some of the errors are very difficult to locate if you don't know what to look for.
If You Catch The Banking Cartels, They Will Give Your Money Back!
I am frequently asked " will the banks actually refund my money back to me?" The answer to your important question is hell yes, they better ... as long as you can prove to them that they have made a mistake.
Believe it or not most banks want to right a wrong or for a better phrase correct their mistakes, but it puzzles the heck out of me; most of their mistakes are in their favour to the tune of over 84% of the time - it makes you go hmmmm! Anywho, they will give your hard earn money back.
Recently the head of corporate relations of a major bank, stated "When someone comes to us and says 'You've done something wrong, then we don't quibble, we do something about it."
My Friend Knowing What You Know Now; You Only Have 3 Choices!
Option 1:The first alternative is to either "think about this and take action" or continue doing nothing and have the banks take advantage of you and your family to the sweet tune of $1,210.00 a year on average. Are you an ostrich, because this is the ostrich approach, stick your head deep down into the sand and hope it goes away like your worse nightmare, GOOD LUCK with this one, you're going to need it, plus PRAYER!
Option 2:Pay the banking cartels, the very people that screwed you and your family in the first place, to find the mistake. C'mon seriously, the money from the screw-up these cartels made could have payed the way for a hard working family like you to save their home from being FORECLOSEDon - You see where i'm going with this later!
Banks are going to charge you up to $200/hr to do this for you. A study was done on the longevity of a homeowner before they move or sell their home is 10 years. It takes and hour per yearly statement, to check for errors, if you decide to go back 10 years on your mortgage, the banks will charge you up to $2000.00 up front. Lets cut that almost in half, lets say 5 years, which on average a mortgage or loan holder will want to go back; that amounts to $1000.00 up front. Ask yourself this question,"why would I trust them to get it right this time if they couldn't before?" Isn't this a bit like putting a fox in charge of the hen house?"
Option 3:You can let Coleman's Independence Institute do the work for you. We are currently offering two payment options for us to get started. You can get started by paying a small up front cost with a contingency fee ( remember there is over a 50% chance we will find an error)! Or you can pay an up front flat fee, that way there is NO contingency fee. You get to keep 100% of what we recover for you. Check out the FREE BONUSES below that you will get just for using our services.
2 FREE BONUSES for taking action immediately valued at over $516 Sign up for our services for the very low up front price of not $297 only $97, a savings of $200 for processing with a 50% contingency fee and get the below 2 FREE BONUSES. We can get started searching & finding errors within your mortgage loan getting a refund; starting with a 4 year minimum of mortgage loan payments. If you don't have the $97 dollars to sign up today, here are several sources you can borrow only $100 dollars today to sign. Check them out.... (1) 1-877-210-2274 (2). 1-866-231-6097 (3). 1-888-639-6183
Coleman's Independent Institute is NOT affiliated with any of the companies listed above. I am just providing info. to help you sign up TODAY and start receiving refunds from your mortgage errors.
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All I can say, Don't Delay, Sign up Today! Yes we also take money orders, or cash.
Sincerely,
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P.S. We are also offering a comission when you refer your friends and they sign up to have their mortgage checked for errors, giving you 50% of our recovery fee. I'm trying to help as many people as I can make it through this "Depression".
Click Here to Pay! You think the bankers and CEO executive/Brokers haven't lied to you. Watch this clip between Jon Stewart and Jim Crammer. Old Jim gets caught in his lies repeatedly while Jon slams him, making him look like "a deer in headlights", this will "piss" you-off, plus make you laugh - it's hillarious, see below
