My Sister went to work at the bank that I have an account with found out my account information and

her advantage. She convinced my Mother that had a stroke to take me off her Will after she meaning my Mother had a stroke. I had no idea my Sister went to work at my Bank she did it after she stopped talking to me. who is to blame and do you think I have a law case against my bank for not keeping my information private? This would maybe be a law question about banks credit unions .

My Sister went to work at the bank that I have an account with found out my account information and used it to

It sounds like your sister abused her privilege. You should talk to the bank manager first and explain the situation. He will probably fire her. That%26#039;s pretty serious. I used to work for a bank.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Yes you do and a case against your sister!

My Sister went to work at the bank that I have an account with found out my account information and used it to

I would certainly think that you DO have a case.. But be prepared to GET that case you will have to press charges against your sister and she will be responsible for her actions. Otherwise you don%26#039;t have a case against the bank.

My Sister went to work at the bank that I have an account with found out my account information and used it to

The financial institution is responsible for all their employees. I don%26#039;t know if the fact she%26#039;s your sister would have any bearing on this or not, but I certainly would pursue this by talking with a legal adviser.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Your sister will be fired and probably go to jail. What she did was both illegal and unethical. The bank might be held liable, but probably not, since she worked there. They had no idea what she was going to do with the information. So if you pursue it, be preparedto take your sister down, since she%26#039;s really the one at fault.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Suing the bank would be counterproductive. They%26#039;ll lawyer up and win. You%26#039;d be better off getting a lawyer, making an effort to get the bank to work with you, and get your sister fired. Bankers kinda need to see accounts to do their jobs, but your sister definately violated bank policy if she took your information and showed it to a third party, that being your mom.

My Sister went to work at the bank that I have an account with found out my account information and used it to

this is a matter for the police... i doubt the bank could be held liable...

My Sister went to work at the bank that I have an account with found out my account information and used it to

If your moms stroke rendered her unable to make decisions then any will could be challenged.

Also please contact the bank- THEY have a problem.

My Sister went to work at the bank that I have an account with found out my account information and used it to

First, decide how far you want to take this.

I would go to the bank manager and explain what has taken place (preferrably on a day when your sis is not there).

Ask him what course of action he plans to take.

Is it enough if she gets fired?? She will find it hard to find a new job.

If it isn%26#039;t enough after that, see about taking legal action.

However, be careful when doing this as once family finds out, you may be hearing from more than just your sister.

Good Luck.

My Sister went to work at the bank that I have an account with found out my account information and used it to

First of all, employees are told that any and all information on customers is completely confidential and not to be discussed with ANYONE except between employees of the bank within the bank setting. Your sister had to know this. She has absolutely had NO right whatsoever to do what she did to you. However, what you do all depends on how you feel about your sister. Are you prepared to press charges on your sister and possibly get her fired? I don%26#039;t believe you have a lawsuit against the bank. The bank cannot %26quot;babysit%26quot; all of their employees to keep them from devulging confidential information. Your sister was trusted as an employee to not do that when she was hired. It%26#039;s hard to say if you have a absolute lawsuit unless you see an attorney first because there has to be alot of things proven in order to find someone guilty of what you are saying she is guilty of. By your sister working for the same bank as you did she has access to your information and that is not the fault of the bank. All you can do is go to an attorney and have him/her inform you of what you can do. Good luck, hope it goes your way.

My Sister went to work at the bank that I have an account with found out my account information and used it to

I worked for a bank for 6 years and as an employee you need access to customers account in order to do you job... That being said you sister also signed and agreement with the bank to protect her customers information. You had a right to that privacy, and your sister was unethical. But I do not think the bank was at fault here, and I dont think a judge will either. If you have your lawyer contact the bank she works for she may be fired and also they might turn this info over to the police to help you build a case against her... But how did she use your info to her advantage, I dont get it?? Do you mean she saw you had a huge balance and told your mom you didnt need the money, because you have enough? If so then she was wrong but I dont know that she broke the law. Maybe you should sit down with your family (all of you together at once) and hash this all out with a mediator.

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% o

Where on internet can I find info from Banks or Credit Unions, that have a list of Car Loans that buyer was not able to cover 100% so bank had to take over, the bank want $$ back NOT the Car, so the bank either puts cars on auction or for sale for the Difference to recover the $! For example New car $ 20K 2K down 4K paid but 14 K + interest the person for some reason stop paying, so bank took over payment and took the car from the Person! NOW WHERE CAN I find this kind of unsuccessful Car Loans, bankruptcy %26amp; foreclosure?

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% of the loan

Ok, read it again and I think I may have deciphered it this time.

It%26#039;s called any used car lot in your neighborhood or Carmax.com or about a million other places that sell used cars. Or try Copart, they are an auto auction company.

http://www.copart.com

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% of the loan

In your sitation,I would like to suggest you have a look here.http://carloan.featured-resources.info/c...

Who is best to get a home mortgage through?

Would it be best to go through banks, credit unions or other lenders that mortgage brokers might suggest? What are competible and reasonable mortgage rates? Is 6.25% legit for an first offer or should I definitely keep looking?

Who is best to get a home mortgage through?

As of today%26#039;s rates, depending on where you%26#039;re buying and how much you%26#039;re financing, 6.25% is dead-on for the 30 year fixed mortgages today. Assuming no more than 1% origination fee and other costs being reasonable.

I never discourage my clients from getting other offers. You should always talk to a couple places, I%26#039;d recommend 1-2 brokers, 1-2 banks, and try the credit union too. In my experience, credit unions have decent rates and low costs. Banks have higher rates and average costs. Brokers will come in on both sides, depending on who you find. Theoretically, a broker should be able to get you the best deal. In practice, not always the case.

But it doesn%26#039;t sound at all like you%26#039;re getting screwed or taken advantage of, again assuming that%26#039;s 6.25% 30 year fixed with reasonable costs.

Who is best to get a home mortgage through?

All banks just about offer the same products and loan programs with the different qualifications in each of their programs.

Your interest rate is based on your credit score and how well you have paid your consumer debt over time.

In order to find out the type of loan programs you are qualified for you will have to fill out a loan application, with a mortgage broker, which you can find one in your local telephone book.

He will fill out this application, which takes awhile so grab your favorite beverage and sit down. Once you have completed the application, he will run your credit report which will have your credit scores. These credit scores will determine your interest rate.

The amount of your monthly debt payments you are required to pay as per your credit report and the amount of mortgage you can take on based on your income will determine the amount of house you will be able to purchase.

When you speak with the mortgage broker you will need the following documents to complete the loan application

#1 One month of pay stubs for each person that will be on the mortgage.

#2 Six months bank statements from each bank in which you bank as well as statements from any 401K from you place of employment.

#3 Two years of federal income tax along with the W-2 that match.

Once he has all that he need to do he can then issue you a pre-approval letter so you can purchase a home.

In this pre-approval letter will be the amount of house you are qualified to purchased.

Once he gives you this pre-approval you may now find a real estate agent to find yourself a home or he might have a referral.

Once you have found a home the real estate agent will then prepare a contract for you and the seller to sign.

Your mortgage broker will now order an appraisal to show proof of the property value.

The mortgage broker might ask for additional information or documentation, don%26#039;t get all up tight this is normal, just supply the information or find the documents needed.

After the appraisal has been completed you will be called by your mortgage broker to sign your loan docs so you can take possession of your new home.

I this has been of some use to you, good luck

%26quot;FIGHT ON%26quot;

Who is best to get a home mortgage through?

go to lending tree.com and lower my bills.com they match u up to 5 different lenders best for you. banks are not that good. mortgage brokers are better because they are connested to over 100 banks to find the best one for u. then compare which one u like better. and always ask for a good faith estimate, they will send you the monthly payments so u see how much it is. some lenders say one thing, but switch ur terms when u sign, and u signed up for something more expensive. some lenders already got caught doing that. but if u have the good faith estimate, and they switch ur terms, u can sue them. they even do it when u try to refinance. it was on the news a few days ago. make sure they are with the better business buruea

and it depends on ur credit score, and ur debt to income ratio and ur job for a interest rate. if u have low debt, a high credit score, you can get 6%. if u buy points you can get 5%.

if u have a high credit score, you dont need to state ur income.

Who is best to get a home mortgage through?

My personal preference is with the banks. If you pick the larger and more stable ones, then you will generally be looked after.

Mortgage Brokers can be good, but be careful and make sure you find out what their fees are and how they are being paid.

If you are new to mortgages, make sure you are aware that loads of banks and lenders make mistakes in their ongoing interest calculations. We all spend so much time looking for the best rate up front, and then just forget about our mortgages once we sign up.

You can use a spreadsheet to track your mortgage and check your statements, or download one of the better mortgagr software packages out there. It could save you thousands.

Who is best to get a home mortgage through?

A couple additional points to keep in mind as you consider the information above:

Sometimes a broker will get a better payment, sometimes a banker. Shop all types of lenders and see which comes out best for you.

While everyone has access to the same programs, there is something called a yield spread that nobody is going to tell you about. Basically, the yield spread is how much the loan originator makes on the back end when your loan is closed/sold. The higher the rate the originator can get you to take, the higher the yield spread and the more money the originator pockets. It%26#039;s basically a game - the originator needs to guess what%26#039;s the highest rate you%26#039;ll accept so as to make the most money. Letting everyone know you are actively comparing offers will help you get the lowest rate.

And another factor in determining your rate is how much money you are putting into the transaction. If you are talking 100% financing, the rate you are quoted is actually decent. But remember, it%26#039;s not all about the rate. There are fees, too. A low rate with high fees can be worse than a higher rate with no fees. You need to see the complete deal to make your decision.

Best of luck!

Who is best to get a home mortgage through?

6.125 - 6.25% with 0% origination fee and 0% discount points is good.

Check with the credit unions....since they have low overhead costs, they are usually very competitive when it comes to rates and fees.

============

REPLY TO TOGSHIYOKUNI%26#039;S COMMENTS:

I was one of the guys that threw up a rate, and I take offense to what you just wrote. If you look at the answers I%26#039;ve written over time, then you%26#039;ll know I%26#039;m not a B.S.%26#039;er.

6.25% w/ 0 pts %26amp; 0 origination is not high - even for those with excellent credit. The rates on a 30 yr fixed w/ 0pts, 0 origination on a 1-unit primary residence, with 5% down, and with good credit - 6.125 - 6.250% is the range.

Did I make some assumptions about the borrower? Yes. I assumed he was quoted the 6.25% by a loan officer. He surely didn%26#039;t just pull it out of thin air. I assumed the LO asked him about the property type, his down payment, his credit, etc. Of course, if the parameters change, eg, bad credit, then the rate will be higher.

You then go on to write that 3/27 ARM may get the borrower into the 5s. If it does, then BARELY - more like 5.875% - 6.000%. Are you familiar with the term inverted yield curve?? Also, why take a 3 yr ARM knowing you%26#039;ll have to refi it in 3 yrs when for another 0.125% you could have a 30 yr fixed. With such a small gap, even if the borrowers plans are to sell in 3 years, I%26#039;d still advise against it - as plans often do change.

Who is best to get a home mortgage through?

First and foremost, do not ever trust anyone who will just throw a rate at you. They%26#039;re the type of people that will get you in their camp, get to step 9 of 10, and then surprise you with a higher rate. What you qualify for depends on your total situation, not just your credit score. And what I mean by total situation is credit score, credit depth, debt ratio, reserves, loan-to-value, everything. An accurate rate cannot be found without this information. For someone who has top-notch credit and has all other factors in line with what the bank wants, a 6.25% rate may be high. All things being equal, it will depend on the product you want. A 30-fix may get you 6.25%, but a 3/27 ARM may get you down in the 5s. It all depends.

Who is best to get a home mortgage through?

Depending on your credit score and loan term, you could probably do better. For more information from someone in our loan officer network , fill out the free form at

www.totaldebtsolutionsllc.com

Can someone explain savings certificates to me?

Here are the rates on my credit unions site. I just don%26#039;t understand what they mean.

3-month certificate 4.35%

6-month certificate 5.05%

12-month certificate 5.20%

24-month certificate 5.25%

36-month certificate 5.35%

60-month certificate 5.45%

I would like to put in about 5000 dollars but am not sure what kinda return I get.

Can someone explain savings certificates to me?

The rates shown indicate how much interest you will be paid ( annualized) if you invest for specific periods of time. The longer the term the higher the rate. However, the money is tied up for the time you choose and you have to wait till maturity to be able to access your funds. There are cashable certificates which will pay a lower rate but will not penalize you for withdrawing early if you are unsure of your plans for the money. To determine how much you would get on a simple interest basis, multiply your 5,000 by the rate ( 5000 X 4.35%= 217.50 ) divide the annual amount 217.50 by 12 months= 18.13 and multiply by 3 months- length of term =54.38. If you go into the credit union and ask an investment person, they should be able to answer any questions you have.

Can someone explain savings certificates to me?

The number of months you put your money into a certificate of deposit changes the amount of interest the bank pays you. The longer the money is in the bank the more useful it is to the bank for investments like mortgages or car loans.

Once you put your money in a certificate you cannot get it out until the certificate matures or pay a fee of 20% of the interest if the certificate was held to maturity.

Can someone explain savings certificates to me?

Thats decent but not great rates

Depends on how long you want to keep your $ tied up ( cant take it out before due date w/o a penalty)

If you can.. go with the 60 month

Look around first- I just got a few 13 week ones for 5.15%

Can someone explain savings certificates to me?

No you don%26#039;t want to go with the 60 month. That%26#039;s 5 years!! You don%26#039;t want to tie up your money for 5 years - the interest rate could go up and you%26#039;d be stuck with a lower interest rate. I%26#039;d go with 6-month or 12-month for right now.

Private Lenders = Scam Artists!?

It%26#039;s a shame when you feel so desperate that after being turned down by banks, credit unions, legit loan institutions that you actually think you have a ray of hope with these so-called private lenders. I recently dealt with GA Trust Financial and threw away $500 and you would think I would have learned by now......ok, I did. When I see blogs and postings by individuals like: Chris Peters, Oliver Jenkins, Richard Walters, Phil Moor, Lomax Milton all saying the same thing: %26#039;you have been approved for a loan%26#039; I%26#039;m like %26#039;What?! - I traded emails with all of these individuals you know what? They have a lot in common: yahoo email accounts, numerous typos in their email, request for a insurance and/or transfer and/or security fee so the loan can be insured/secured, blah, blah. Sounds too good to be true? Because it is! It%26#039;s a shame you have individuals that feed off misleading folks and taking their money. It happened to me once, it%26#039;s not going to happen to me again. Lesson learned.

Private Lenders = Scam Artists!?

Private lenders do not equal scam artists, you dealt with scam artists that were pretending to be private lenders.

Private Lenders = Scam Artists!?

You can get a legitamate private loan at prosper.com.

Private Lenders = Scam Artists!?

I agree with you. That is why I got a mortgage from my own company. Hope your credit improves so that you won%26#039;t trip up on these scammers, and can go to a real company like mine. www.debjim.com- you can join us and learn about what is true or not.

Private Lenders = Scam Artists!?

You have abundantly answered your own question. Email offers are always a scam in one form or another, as you had to find out the hard way.

Private Lenders = Scam Artists!?

anyone asking for money upfront is a scam, you should never have to give money to receive money. Please be carefull

10 out of 60?

1: The two main Ingredients of the U.S. Economy are:

natural resources and land

land and labor

natural resources and labor

land and money

2: The gross domestic product measures the total _____ of goods and services in a given year.

sale

output

profit

import

3: The American free enterprise system emphasizes:

public ownership

private ownership

both public and private ownership

not enough information

4: _______, the benefit from printing money.

Sovereignty

Seignorage

Seniority

None of the above

5: A policy is referred to as _______ if it reduces the size of the money supply or raises the interest rate. An _______ policy increases the size of the money supply, or decreases the interest rate.

contractionary, expansionary

expansionary, contractionary

fiscal, monetary

monetary, fiscal

6: During the 1870-1920 period the industrialized nations set up _______, with one of the last being the Federal Reserve in 1913.

credit unions

gold reserves

central banking systems

private banking systems

7: When used as part of a commodity money system, which of the following is not a function of paper currency?

to reduce the danger of transporting gold

to reduce the possibility of debasement of coins

to avoid the reduction in circulating medium to hoarding and losses

to avoid the decrease in value of precious stones

8: The gold standard, in theory, limits the power of governments to cause _______ by excessive issue of paper currency.

price inflation

unemployment

wealth and poverty

stagflation

9: The Mundell-Fleming Model describes the behavior of ______ under a gold standard.

the economy

stocks and bonds

currencies

all of the above

10: Approximately ____ of all above-ground gold is held in reserves by central banks.

10%

25%

50%

85%

10 out of 60?

1: The two main Ingredients of the U.S. Economy are:

natural resources and labor

2: The gross domestic product measures the total _____ of goods and services in a given year.

output

3: The American free enterprise system emphasizes:

private ownership

4: _______, the benefit from printing money.

Seignorage

5: A policy is referred to as _______ if it reduces the size of the money supply or raises the interest rate. An _______ policy increases the size of the money supply, or decreases the interest rate.

contractionary, expansionary

6: During the 1870-1920 period the industrialized nations set up _______, with one of the last being the Federal Reserve in 1913.

central banking systems

7: When used as part of a commodity money system, which of the following is not a function of paper currency?

to avoid the decrease in value of precious stones

8: The gold standard, in theory, limits the power of governments to cause _______ by excessive issue of paper currency.

price inflation

9: The Mundell-Fleming Model describes the behavior of ______ under a gold standard.

all of the above

10: Approximately ____ of all above-ground gold is held in reserves by central banks.

10%

10 out of 60?

This forum is not a good way to get people to do your homework. In my view, you would have better success in getting help, if you asked specific questions about things that you don%26#039;t understand.

10 out of 60?

I%26#039;ve done quite enough of your homework... get to work on choosing best answers for your questions then maybe someone will be interested in helping you out. If you keep this up in this section you%26#039;ll likely find yourself banned and then you%26#039;ll be stuck doing it yourself. I am quite happy that you are out of points... thankfully we can get to something else.

Who can certify my Treasury direct authorization form?

Acceptable certifying individuals include authorized employees of insured depository institutions and corperate central credit unions. Certification by a notary public is NOT acceptable.

I%26#039;m trying to open a Treasury direct account and I received an e-mail saying I have to mail in a form verifying my identity. Who is an acceptable certifying individual?

Thanks!

Robert

Who can certify my Treasury direct authorization form?

I have an Treasury Direct account and I just used my social security number to confirm my identity. Now of days SSN is needed to open bank accounts I guess.