Daily Thoughts

Remember those names, because when I’m through, they will never forget mine. Merle Whitehead owns the largest real estate company in NY State, and the 7th largest in the country, Realty USA . This is the most recent article I could find on him.
His company bought First Priority Mortgage, and he is the CEO of that company. He is a very rich man.

This man bought my privately held mortgage. His company didn’t buy it, HE bought it. I was never given an account number or a payment coupon book. I was never put into their computers, from what I was told. Someone in his company just sent me a letter every month asking for my money. They haven’t sent one lately. That’s because I will be three months behind as of this month.

Two months ago, I wrote to them asking for a renegotiation. I laid out exactly what I needed to get on my feet. I got no response, so I contacted the President of the company (who I was told owns my mortgage, but I then found out I was wrong). I got a letter from their attorney informing me that they were considering my proposal. I haven’t heard anything since, despite my making several attempts to communicate with them.

I have been given a runaround and lied to by this company ever since I lost my job and informed them that I did not know how much longer I would be able to make the payments. I made my payment last month. I tried to make enough money to do it this month, but I couldn’t.

My house isn’t even worth much more than what I owe them, not because I was stupid and got an ARM I couldn’t pay. I’ve never refinanced my mortgage. I just live in one of the most economically depressed areas of Florida, and fell on hard times, like millions of other U.S. citizens.

I have said before that part of this is my fault, but not all of it. I won’t take responsibility for all of it. I’ve done everything I am able to do to pull myself out of this hole, but I have physical and mental problems that have made it impossible. I take responsibility for what was my fault.

On a whim today, I decided to see if First Priority had foreclosures listed on their website. They do. I believe my house is one of those listed, because it is the only on on my street listed, even though it has no address.

I’ve received no notices, nothing from this company, yet they possibly have foreclosed on my house and have it listed for sale. I don’t know if this is even legal. Could they have foreclosed on a Florida property through the NY courts without serving me with notice? Slimier things have been done.

I’ve been noticing people riding by my house very slowly. I think that First Priority is letting them drive by in an attempt to sell my house out from under me.

I can’t find out if First Priority Mortgage got any of the bailout money. I’m sure they did, considering who owns it.

When I am done, no one will ever forget the name Merle Whitehead or First Priority Mortgage. I won’t be just another statistic. Somebody needs to make this known, that this man, who has bought and sold more real estate than anyone in the United States, and is a multi-multi-millionaire, maybe even a billionaire, may not be what he seems on the outside. I don’t know him personally,so I can’t tell you for sure. I’m just stating the facts in my case.

There is no doubt whatever that he made multi-millions from the housing boom, that much is clear. He owned the realty company and the finance company. I thought that was illegal, but evidently not.  How can our government allow the people who are selling you the house to also finance it?  That should be covered under anti-trust or something.  It’s just plain wrong, in any case.

I’ve never been into social networking, but I will be now. I’m going to post this to every social networking site I can find. I’d appreciate it if you’d help me.

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