Us Versus Them, We Don’t Count

Posted on: December 14th, 2010 by ecthompson md 18 Comments

I've been reading all this information on Julian Assange and WikiLeaks. I've tried to generate some interest. Glenn Greenwald has devoted not just one or two posts but a whole week to this gentleman and his plight. Wrongful prosecution, freedom of the press -  the posts go on and on. I'm sorry, maybe I'm missing the bigger picture, but can Julian Assange put food on my table? Fixing this one man's plight does little for me.

Now fixing the plight of Christopher Marconi, Tom Williams, Warren Nyerges or Rachel Keyser, this is what I'm talking about. Each one of these people are facing foreclosure. Each for a different reasons. Each one is wrongfully being thrown out of their house. Each one tells a story about America and what we have become. Either you or I could be one of these good Americans but for the grace of God. There was a time, at least I think there was, when the little man mattered. I don't think we matter today. Our job is simply to pay the bills so that others can reap the benefits of our society and our economy.

Rachel Keyser bought a home in 2004. She did not go for one of those adjustable-rate mortgages that were being pawned off on America during this timeframe. Instead, she had saved money as Americans are supposed to. She put down $100,000 on this house and her payments were within our budget. Then Countrywide, with whom she bought her original mortgage, asked her to refinance. It turned out to be a con artist who worked for Countrywide. He convinced her to refinance her house and the payments went to him and not to Countrywide. She lost over $65,000. Countrywide was bailed out by Bank of America. In the old days, banks would stand up for their customers. Bank of America would've reviewed her paperwork and apologized profusely. They would've figured out a way to refinance her house back to her old mortgage. Unfortunately that was not done in this case. The state of New Hampshire has recognized this scam and Rachel has hired a lawyer. In telephone recordings and in documents, Bank of America has promised to work with her, yet they also tried to foreclose on her. Why? She doesn't matter.

Christopher Marconi is a hard-working American. He pays his bills, including his mortgage. One day there was a foreclosure notice nailed to his front door, a foreclosure notice for a house he'd never owned and never seen. The foreclosure was on a mortgage he never had. Why do these mistakes happen? Christopher doesn't matter. Making money to feed the machine is all that matters.

Tom Williams also got a foreclosure notice. This time, GMAC, at least did some of their homework. They were actually foreclosing on a house that he owned and had paid the mortgage on. GMAC was asking for $276,000 immediately, in spite of the fact that Tom Williams had never missed a mortgage payment. His loan wasn't do until 2032. Tom doesn't matter.

The most egregious case which has received some national attention is that of Warren Nyerges. Bank of America was foreclosing on him, which in itself is is not unusual. Bank of America forecloses on thousands of Americans every month. Yet Warren was different. He is one of those rare Americans who actually pays for things in cash. He bought his house in cash. He doesn't have a checking account. He has never had a mortgage on this house. After multiple calls to the bank and numerous trips to a local branch, Warren finally had to file a lawsuit. Warren's problem is he just wants things to be fair. He's filed a second motion seeking $2500 from Bank of America for his time and expenses. He does not understand the game. The game is about money, large sums of money. The game is about pools of mortgages and not about individuals. If Warren wants to get the attention of Bank of America, he needs to sue them for $200 million. Bank of America did release a nauseating statement which stated, “Bank of America sincerely apologizes to Mr. Nyerges for this inconvenience. We are currently researching the matter and are stopping the foreclosure. We are still in the process of identifying the root cause that created this issue.”

Rick Santelli really crystallized this feeling more than anyone has before or since. These folks on Wall Street in these huge financial behemoths believe that they are the water carriers, that they are important and we are not. Just look at these four cases. Yes, I will admit that these are highly selected cases which have received some national press; nonetheless, you don't see any of these individuals being treated as Americans. They are commodities to be bought and sold. Even worse, these Americans are standing in the way of commodities – home mortgages. Until we can get back to treating each other with dignity and respect and understand that money isn't everything, these kinds of atrocities will continue. The Rick Santelli's of the world are wrong. The world doesn't revolve around you. You aren't more important or better than the rest of us. You are simply more arrogant. That's it.

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Julian Assange is a hero and should receive the Nobel Peace Prize. I still cannot believe it was awarded to the corporate war-monger Obama. That he accepted it was beyond cynical. Pathetic.

I'm not sure that President Obama can be called a war-monger. That's a little over the top. He is a corporatist. I agree with that. Assange a hero? I'm not sure I can go there either. Would you call Dana Preist of the Washington Post a hero for publishing the story about the conditions at Walter Reed? Or the writers at USA Today who published the illeegal wiretapping story? I'm putting Assange in the same catergory as writer who puts it on the line. Not a hero but a great public servant.

Assange is a hero?? For what? Purposefully distorting information for political gain, covering up traitors to their country and disrupting his own nation's stability? Some on the right (for example, the blog of Irreligious Right) think he should be hunted down and killed. I have no problem with him at least being shut down. That companies have expressed their free speech by pulling their funding of him is perfectly fine, that so many basement dwelling angry little brats have lashed out at them is laughable. I hope PFC (if he has that rank for the end of the hour) Bradley Manning, someone I'm now ashamed to call a fellow veteran, spends every day of the rest of his life breaking rocks in Leavenworth. Obama isn't a war monger (why is that bad in the first place?) he just didn't do anything worthy of a prize that ought to be esteemed but has become an Oprah gift basket token. Being a minority elected president isn't worthy of respect.

thanks for highlighting the individuals who are so often just a case number or mortgage account to these corporations.

The foreclosure stories are extremely important, and the Wikileaks story has been over-covered. However, there's a similarity, which is captured in your title. In both cases, the rich and powerful seek to enforce different rules for themselves versus other people. The same is true of the recent tax deal in Congress. The GOP decided that the hill they would die on was tax cuts for the richest 2% of Americans, the rest of the country be damned. That's even though, per the CBPP, "two-thirds of the nation's total income gains from 2002 to 2007 flowed to the top 1 percent of U.S. households," and those tax cuts didn't create any net job gains under Bush. The game and those in power are generally the same for all these battles, but focusing on the battles where there are human faces and relatable stories is a good idea. http://www.cbpp.org/cms/index.cfm?fa=view&id=2908

This information makes me angry as I watch these Republicans fight for benefits for the rich while the facts point out that they don't need the break and it DOESN'T TRICKLE DOWN. Reagan was sure successful at fooling millions of people, including many working class people I know.

Good post. I haven't been paying attention to the mortgage situation, as I'm a young renter, but I agree that our government is now bought and paid for by corporations and lobbyists for various special interests. American workers have become meat cogs in the capitalist machine - interchangeable and highly disposable. Witness the rise of long-term contract and temp workers, as opposed to "company men." The more Americans who realize that banks and multinationals are fleecing them with impunity, the stronger and louder our resistance gets. Keep up the good work, and support small, local businesses.

and corporations are rewarded for off-shoring our jobs with nice tax breaks and lower import tariffs. Corporations will lose money by keeping workers here in the US. This has to change. The government must level the playing field. Thanks for your comments.

The anecdote on Keyser was unclear if the perp was a Countrywide ee or not; apparently he (?) was. I still submit that in that instance, the ee has separated himself from the employer and was not acting as an agent at that point (I am not a lawyer) because of the fraudulent nature of his activity. Thus, while CW could have at least stated an apology and be sympathetic, what could they have done to prevent this? If the guy went and killed her, while engaged as an ee of CW, then what blame should CW have for that? However, to use these four examples as a "symptom" of a greater, nationwide issue is disengenuous to all the spectacular companies in the country that do everything in their power to provide great customer service. Nothing will ever eliminate all mistakes; the key is how do you respond to them. Sure, I certainly agree that there are companies that fail at C.S., but you know what? The market takes care of them, because eventually the customer will move their business elsewhere. The govt cannot, will not and should not be in the business of taking charge of customer service. How in the world could they? This idea that govt, which is the greediest entity on Earth, can somehow solve all the ills of everyone, everywhere is nuts. Why does everything require a govt. solution? How can you regulate every possible scenario, as you are suggesting these four could have been regulated? Where is personal (and corporate) responsibility? Where does the Marketplace fit into all of this?

You are a particularly annoying troll. Like a turd in the bowl, you circle but wont go down. You lie there producing offensive odors.

Your comment is overly harsh and confrontational. My friend is wrong on a number of points. He is reciting from the republican playbook. He has no data to back up his claims but he is consistent. My goal is to push him toward the light of knowledge. If I push him too fast like a vampire he will spontaneously combust. :-) Thanks for your comments.

My friend – No one is all evil and no one is all good. The government isn't all bad and business isn't all good. I have not proposed any government solution or regulations or anything. The whole purpose of this post was to say that this is wrong. The purpose of the post was to say that these people were not being treated as Americans used to be treated when you and I grew up. That's it. I would love to say that I have the answer. I would love to say that I know how to get back to a system in which the little guy is important. I hope that you're not subscribing to the belief that the marketplace is some ideal machine in which companies win or lose based on merit. That marketplace only exists in your mind. Out here, in the real world, companies do not play by those rules that we learned in Econ 101. Thanks your comments.

Another thing that is awful is that there are a lot of people who have never missed a payment, never been late on one, and always paid the full amount every month, but because of federal regulatory bs, they can not refinance for the market value of their house. The only way that they can is if they stop paying their mortgage! Why do people who are responsible get punished for it?

the problem is that the government is working for the corporations. Therefore you and I have no chance of getting a fair shake. Thanks for your comment.

Well, I am sure that if the government had been in charge of servicing these loans, then none of this would have happened. As for Rachel Keyser, why does this have anything to do with Countrywide? They were not a party to the fraud. They had nothing to do with it, based on your facts presented here. Frauds happen all the time, and she needs to pursue the correct legal channels. I am sorry that it happened to her; perhaps she did not do her homework? That would be like if someone stole my car and I sued the auto-maker who I was making the payments to. It makes no sense. As for Marconi, it appears, based on your comments, that it was recognized as being a mistake. Who made money on this mistake? Did Marconi end up paying thousands of dollars because of someone's mistake? How was this about money for the bank? Mistakes do happen, despite liberals' attempts to create Utopia. Ditto for Nyerges; it appears that it was a mistake, and mistakes happen. Are you asserting that BofA was trying to "steal" his house from him or something? What else do you want him to do? But I am sure that if this had been the government, they would not have done this, and they would not have issued a "nauseating" apology. And Williams: either this again was a mistake or perhaps there was a major credit concern. Lenders do have the right in many cases to "call the loan" and maybe this is what happened. There's certainly more to the story than what you have included here. Yes, it can be frustrating to have to deal with a mistake like this, but were the banks maliciously doing this? It can be a hassle to deal with big companies. Did they eventually respond? But you know what, it would far more difficult to deal with the government on similar matters; they have no accountability. As for the "little man," I thought Obama was "for the little people." What happened to him "doing something" for the little people? I thought he was supposed to solve all of our problems; at least that's what he campaigned on. All the idiots the media interview "on the street" all praise Obama and say that "he's for the little guy." Really? And mean, old conservatives somehow aren't for the little guy?

Bud - I'm sure that you have read the constitution. You know that there is nothing that a President can do without Congress. Both the Dems and the R's are for corporations. Every bill that he put before Congress has been watered done by the R's in the Senate. They have been the gatekeepers. The problem isn't whether the banks are malicious or not. As you know, it is hard to prove intent. Instead, what happened to customer service? What happened to the customer was always right? as usual, you go out of your way to miss the point. The point is that mistakes like this would've never happened when we were growing up. Never. People at these banks would've been fired for such mistakes. What changed? The only thing I can see that has changed is the pursuit for the almighty dollar. It is more important to give a meaningless apology then to doing it right the first time. maybe you missed where I said it was a countrywide employee. In the past, in order to improve customer relations companies would bend over backwards in order to help the customer. Now they don't care. It is these large corporations that have no accountability. What I'm asserting and you are reinforcing is that these large national, multinational corporations don't care. You keep interjecting the government this, and the government that, when government regulations would've helped each one the situations. I appreciate your comments.

"No one can serve two masters. Either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve both God and Money. Matt 6:24 Christian nation? Whatever...

I love it. thanks for your comment.