Mrs. Ronni Mandell’s home is currently worth $96,696-97,700 down from $235,000 according to all of the valuation sites, not just Zillow. A young lady from Bank of America was pretty much in-the-face of Mr. and Mrs. Mandell in her assertion that Bank of America would have to charge them approximately $400.00 for an appraiser as they feel the home would be much more. Well, just the delivery style of the message irked Mr. Mandell and after the telephone conversation they spoke to an appraiser and he said he would appraise the property according the present day market, not according to Bank of America, who has been chastised in the past for inflating the appraisals, even for the HAMP program. Read article below as it illustrates just another devious tactic used by Bank of America.

(Reuters) May 20, 2012

A former home appraiser will receive $14.5 million as part of a whistleblower lawsuit that accused sub-rime lender Countrywide Financial of inflating appraisals on government-insured loans, his attorneys said Tuesday.

Kyle Lagow's lawsuit sparked an investigation that culminated in a $1 billion settlement announced in February between Bank of America Corp and the U.S. Justice Department over allegations of mortgage fraud at Countrywide, his attorneys said in a news release. Bank of America bought Countrywide in 2008.

Lagow's suit was one of five whistleblower complaints that were folded into the $25 billion national mortgage settlement that state and federal officials reached with Bank of America and four other lenders this year. His suit was unsealed in February, but the amount of his settlement had not been disclosed.

Gregory Mackler, a whistleblower who challenged Bank of America's handling of the government's HAMP mortgage modification program, has also finalized a settlement, said Shayne Stevenson, an attorney with the Hagens Berman law firm, which represented both whistleblowers. Stevenson declined to comment on Mackler's settlement amount.

The side-deal program which Bank of America agreed upon with the Attorney Generals would provide ample principal reductions to remove the negative equity on the mortgage of only 200,000 homeowners, who are underwater and past due. The young lady that had called earlier also gave a description, which didn’t match and she said that Mrs. Mandell’s mortgage might not qualify as it’s past due and she was being extremely assertive rather than helpful in order to beat her and her husband down. Yes, she said, it’s underwater but according to the federal agreement, she didn’t qualify for much of a reduction, with this said, Mrs. Mandell refused the offer as she was insulted because it was a long way off and only could be considered a charity offering for the abuse and deeds carried out by BOA.

Well, the Mandell’s quickly told the representative that it does not even come close and also they were upset over the fact that the representative stated in the very beginning that the past due amount would be wiped out and further on in the conversation when he was stating the monthly payment that would naturally include escrow, principal and interest was comprised of several things including the past due payments, which only a small portion is principal and that they would be added in as an amortized item. This also was rejected. Bottom line is that you can’t believe a work these people say and they feel that the general public is really stupid and they feel confident that they can get over on people, with the blessings of the trustee, Bank of New York Mellon and the authority to do so, by a deficient government that simply looks the other way in order to remain in good standing with their friends with the never-ending feedbags.

.Mrs. Mandell, doubts they are for real, which wouldn’t surprise anyone, but hopefully this nightmare can end soon. She is now, do their arrogance when offering the so-called sincere deal in typical bullish style that these people have no remorse at all for the pain and suffering they’ve inflicted over the last 18 months and she fearful that she and her husband could be in danger as these people may or may not be referred to in many circles as the new version of the “mob” but their actions and deeds can cause a person to wonder just how far they will go to bully someone and if that person stands up to them, would they resort to physical violence or murder-I leave that question to you? The Bank of America Has no Remorse for the pain caused to any homeowners. To them, “More is Better.” To sum it up, Mrs. Mandell does not wants another representative to call, rather than Joseph Kancar, who, most likely was instructed to be distant, inconsiderate and anger and to make every attempt to incite anger, which would cause stress to both Mrs. Mandell and her husband. I, John Reid, came in to visit the Mandell’s towards the end of the conversation with Mr. Kancar and I was in awe at his tone, which I heard, as the Mandell’s had him on speaker phone, so they both could speak with him at once. To sum it up in my opinion, it was shocking, to say the least.

In the event, BOA's agreement is not sincere, you will be informed. Mrs. Mandell is prepared to submit to the court, through counsel; the robo-signed and initialed documents, that are filed at the property clerk’s office and Mrs. Mandell has the original wet copies complete with the robo-signed initials, not a signature at all, which is very unprofessional in most legal circles. It may turn out that the title may never be able to be cleared up at all-no matter who owns the house. MERS certainly was a bad tool implemented by the lenders to avoid filing fees at city and town property clerk’s offices throughout the country. She has the robo-signers names, addresses, telephone numbers, employer name and their notary license numbers and effective dates, if needed by the court. In addition, she also has 3 results of the QWR requests on various dates during the 18 month period and the information is incomplete and certainly doesn’t’ indicate the real investor. In conclusion, Mrs. Mandell checked the SEC, INFO site and the CWALT pool which appeared on there last week has suddenly disappeared with many others, why are they missing? Is it more well orchestrated shenanigans on the part of Bank of America with the approval of Bank of New York Mellon (Trustee), or is it out-of-control customer service representatives acting poorly on their own?

Mrs. Mandell wishes to congratulate everyone involved in the conviction and sentencing of Mr. R. Allen Stanford the man who orchestrated a 7 billion dollar Ponzi scheme. This of course is only another small Tip of the Iceberg because there are people walking around, who have already committed felonies and while they do, they are playing with much more than 7 or 8 billion, try trillions in U.S. and World Capitol.

Ronni Mandell, simply wants this to end, eliminate the stress, mental anguish, abuse and most all, not seeking numerous police cars and groups of police at her door just after coming home from a hard day’s work. Very humiliating to say the least. As a result of all these events, her husband has decided to join forces with me and become an advocate for the elderly and other homeowners that just get ground up by the lenders and servicers. He feels as a team, we can make a difference at a very affordable rate. He is very thorough at getting the information applicable and very effective at delivering messages, either politely or not-so-politely.

Contact: John Reid (203) 745-1251 Please be patient if line is busy or goes to voice mail as the phones have been ringing often due to previous releases.