Seriously, all the hucksters are going to see a new money supply and they will graft themselves right on and start making their commissions.
So what else is new. All I can say is the internet provides a wonderful service for scam artists of allowing them to reach out and bunk someone in another state without fear or repercussions since the feds have gone to sleep.
But it would take around ten minutes for somebody to put a name on a "debarred" list. It might take another ten minutes for someone to pull up a licensing record. Just sayin'.
Sure, it's just picking them off one at a time. But it's my blog and if these cretins want to spam me, they can put up with my new hobby.
I do think there is a strong likelihood of the feds waking up next year, regardless of what happens in the election. Whoever gets elected will be under a lot of pressure to do something and won't have a lot of good alternatives.
Now we know what the "who could have thought this would happen, no one knew..." will be in regards to in 12-24 months. Thanks for keeping us ahead of the curve!
LOL! Thanks, a great job. I'm very sure he will be getting a call from someone he would not rather hear from as I just sent an old associate this link.
Maybe this is a matter for the FTC to look at, not just FHA, because maybe he is not actually offering people who respond FHA mortgages but rather is baiting-and-switching them into something else.
This is my response to your posting CR& Tanta....thanks for the posting..although enraged by the Pigmen ...I do appreciate and pray for you and your site
Dear Sirs.
I cannot believe that you are allowed to operate in the State of Florida. It "Pigmen" like you that has caused this nation irreparable harm and perhaps total collapse of it morality and future ability to function financially. Apparently your greed far exceeds your pricipals and your ill indirect advise to your clintele speaks to your charter.. I pray that someone in the Federal Banking System (office of oversight,ect) brings you to task for your sleezy criminal behaviour,
Very Truly yours
William P. Cannon
This showed up in my email yesterday:
Is your current mortgage turning out to be too good to be true? Financing your current mortgage into an FHA loan can help save your home. New legislation will allow homeowners in danger of foreclosure to refinance into a low, fixed rate FHA mortgage. To learn more about this new program, give me a call today.
So what? So this was the subject line of the email:
Skip your mortgage payment for 3 months
I hereby invite any reader of Calculated Risk, including of course any of you who happen to work for HUD and have enforcement authority, to correspond with Mr. Spangler and explain to him the meaning of the following:
The FHASecure initiative for refinancing borrowers harmed by non-FHA ARMs that have recently reset is not to be used to solicit homeowners to cease making timely mortgage payments; FHA reserves the right to reject for insurance those mortgage applications where it appears that a loan officer or other mortgagee employee suggested that the homeowners could stop making their payments, refinance into a FHA insured mortgage, and keep, as cash, the amount of payments not made on time.
I would of course be happy to forward the original message to anyone with a .gov email address; just drop me a line.
If you, a Calculated Risk reader, do not feel particularly motivated to correspond with Mr. Spangler, perhaps you could give some thought to corresponding with your members of Congress on the subject of "modernizing" FHA to allow more "streamlined" participation by mortgage brokers.
If you happen to be an idiot mortgage broker cruising sites like this one to find email addresses to add your sleazy spam lists, why go right ahead. Add me to your list. I'm here to help you get the recognition you deserve.
A friend of mine got an official-looking notice in the mail telling her she was entitled to miss the next couple of payments on her mortgage. After she did that, she was supposed to call the number on the card to arrange new mortgage terms.
The problem is that a HUD enforcement officer can't just give this yahoo a phone call and tell him to knock it off. A whole investigation has to be opened and 6 million man hours of red tape has to be attended to. Trust me, I've been fighting this for years.
The problem is that a HUD enforcement officer can't just give this yahoo a phone call and tell him to knock it off. A whole investigation has to be opened and 6 million man hours of red tape has to be attended to. Trust me, I've been fighting this for years.
Well then perhaps we need to suggest alternative ways in which FHA can be "modernized."
Look, the guy's a broker, not an actual mortgagee. That means that somebody who is a real HUD-approved mortgagee is closing loans for him. That means that somebody who is a real HUD-approved mortgagee can just pop over to the "approved broker database," add the ol' SUSPENDED code, and be done with it. Nobody forces any lender to do business with any broker.
We all need to ask ourselves just exactly why the government has to spend a jillion hours investigating this crap when some "respectable" lender could make it go away in a matter of minutes. Cut off the funds, you cut off the fraud.
Somebody's funding this dude's loans. The real outrage isn't that this is going on in broad daylight and HUD can't keep up with it; the real outrage is that brokers like this still have a mortgagee willing to write their loans.
why should an originator stop doing business with him? He's bringing in customers and it's not like FHA's gonna make them buyback the loan (how could the originator have known what the broker was doing!?)
Charlie.Crist@MyFlorida.com
Dear Sir....I am copying you on this issue in the hopes that you will put your full faith and effort in stopping this kind of behavior in the state. When one seeks to "game" the mortgage system and the public coffers is is time for those in power to react to the situation...I trust you will find the time to have this looked into and let the people know that their is cause for them to rebuild there trust in the system and the political principals...Thankyou for your concern and attention to this affair.
Very Truly Yours, William P. Cannon
SEE PREVIOUS POST OF THE ISSUE ABOVE..THANKS FOR THE OPPORTUNITY TO EXERCISE FREEDOM OF SPEECH...
But tanta. that's my point. Posting this on a website, or forwarding it to the governor of FLA, isn't informing the originator. Unless the blogosphere can find ways to find the originator working with the broker, and send stuff to him (registered mail return receipt) there is absolutely no reason for originators to avoid these slimebuckets.
The email is misleading, but it may not be as fraudulent as people here want it to be. If you were to refi and close by 2/14/08, the next required mortgage payment you would have would be on 4/1/08. Standard mortgage Notes are paid in arrears and the payoff amount would include Feb.'s payment. That payment plus the pre-paid interest could be rolled into the new loan amount. Not sure that's what he is selling, but its not unreasonable.
you may have a lot of mortgage originators reading this website, but if FHA says "if you knew about this we'll force you to take back the loan" the probability that the originator will admit to reading this post on the website is ?
Send me the email addy. I get board sometimes and track down spammers and get ISP to kick them. I need the server address, and the entire email header.
Unless this came from a yahoo, or hotmail type account. That's a serious pain in the butt. It's more fun if the run their own mail server, web server, etc., and suddenly they find their business turned off.
Not sure that's what he is selling, but its not unreasonable.
Oh, come on. It's just accidental that FHASecure is designed for borrowers who were current until their ARM reset, and then became delinquent after that.
In any event, you might want to spend some time with 4155 before you make up closing rules for FHA loans. I quote:
Skipped Payments Not Acceptable. Lenders are not permitted to allow borrowers to skip payments. The borrower is either to make the payment when it is due or bring the monthly mortgage payment check to settlement. When the new mortgage amount is calculated, FHA does not permit the inclusion of any mortgage payments "skipped" by the homeowner in the new mortgage amount. For example, a borrower whose mortgage payment is due June 1 and expects to close the refinance before the end of June is not permitted to roll the June mortgage payment into the new FHA loan amount.
the probability that the originator will admit to reading this post on the website is ?
That's not what I'm looking for, mort_fin. I'm looking for some broker to get a notice in the mail from his Account Executive that he was just suspended, because that AE's boss just read something on the Calculated Risk blog that didn't sit well.
I sure don't think it's impossible, but it would require a degree of social responsibility from the lending community. So far, I haven't exactly been overwhelmed by the presence of this commodity.
So far, I haven't exactly been overwhelmed by the presence of this commodity.
Nor exactly have I.
But it does make fodder for the "let the free market decide instead of the regulators" debate.
I am correcting an information asymmetry. If that doesn't work, maybe we have to get out the handcuffs. I'm not one of the ones resisting that implication.
Terry, FHA doesn't allow that anyway. See my post above. Besides that, we aren't "skipping" any payments here.
With an FHA loan, the borrower would have to make the 2/1 payment. He could either pay the odd days interest on the new loan from 2/14 to EOM in cash at settlement, or include it in the loan amount. That would make the loan interest current at 3/1 (the prior month's interest would already have been paid) and the first amortizing payment would be due 4/1. There is no "skipped" payment on the old loan. There isn't even a "skipped" payment on the new loan; there is simply a one-month delay in the commencement of amortization on the new loan and a prepayment (in cash or with loan proceeds) of the first month's interest. At "best," a borrower can end up financing one month's interest payment (assuming, of course, that you haven't hit the maximum loan amount with just the payoff due to the old lender).
Of course, an efficient lender can actually make the first amortizing payment due 3/1 with a 2/14 closing. In that case the borrower gets a credit at closing for interest paid from 2/1-2/14 (since the new loan doesn't start accruing until then), and then makes a full payment of 30 days' interest on 3/1.
I have already had one request for the original email from someone at HUD who knows where to send it to the Flordia enforcement folks. I have also had one request so far from a staffer on a state government banking committee who is working on crafting legislation.
Thanks, gentlemen, for looking out for the FHA program and borrowers generally. Salut!
Yes, Tanta, I was letting it slide that the 02/01 payment would be made in some fashion as well as the accrued interest to the date of payoff (including the recision period).
My point was that the 3 skipped payments must result in at least one 1x30 on the existing loan. It has happened in the past that a borrower was told not to bother making the current month's payment, and the refinance loan fails to fund. That usually puts the borrower in a worse position than they were before. I can't, for the life of me, fathom how a broker can suggest skipping 3 payments is a good thing. Unless the broker is stupid or just plain evil.
oh wait, i get 2, i forgot i got a point once for correcting Shnaps on CFC's PIFs!
Now, wait. You also once got a hat tip from me added to a post after you reminded me in the comments that I had forgotten to hat tip you. And if I could remember what post that was I'd prove it.
Unless this came from a yahoo, or hotmail type account. That's a serious pain in the butt. It's more fun if the run their own mail server, web server, etc., and suddenly they find their business turned off.
Cheers,
Misean | 01.15.08 - 1:56 pm | #
Yup get to their ISP and you will find most have anti spam in the contract. Spammers are usually unplugged quicky.
Also, it is worth the time to spend walking down the road with regulators. I am still, after four years, dogging a six figure insurance claim by raising the awareness of certian parties actions. Frustrating; but at least I know the next person might get f****d a little less. Govt employees will be in their offices whether or not there is work to do..so, get your monies worth.
Also, it is worth the time to spend walking down the road with Govt employees will be in their offices whether or not there is work to do..so, get your monies worth.
Yes, yes we are in our offices...
And nearly impossible to fire....
Which makes public advocacy all the more possible (even if it doesn't fit with your bosses political agenda or -- much more common--the fact that he's just grossly incompentent.)
I would also like to thank those who are tracking this spammer down. Something along the lines of evil only requires that good men stand by and do nothing. In my book, even the disappearance of one spammer is a significant victory.
if you all don´t know that at leaset 45 days pass before your first ortgage payment after a refinace than you all are a bunch on know nothing newbies. Add an additional 30 days interest credit on the HUD plus 15 days leeway before payment is late. Next thing you know the first payment is due 3 months after signing. MAGIC .......... I think not, I just know my job as all of you should. Now get off your asses, stay off stupid blogs and go make some MONEY!
I´m so tired of you pathetic brokers pissed because you have a small or non existent pipeline.
please feel free to email me with any other idiotic remarks or false knowledge you might have.
by the way......sorry for the poor grammar. I am down in Costa Rica where business is booming. Unlike, the states! The keyboards are in spanish and sometimes mistakes get made. Kind of like all the comments above. LOL
Douchebag......
And now the wheels come off...
well, that was...crisp.
Yeah, sure, that's going to get prosecuted. Keep hoping, Tanta!
hehehe....
Ah steel toed bunnys slippers o' death!
icely done, smells like bacon!
Seriously, all the hucksters are going to see a new money supply and they will graft themselves right on and start making their commissions.
So what else is new. All I can say is the internet provides a wonderful service for scam artists of allowing them to reach out and bunk someone in another state without fear or repercussions since the feds have gone to sleep.
Someday this war's gonna end...
Yeah, sure, that's going to get prosecuted.
It's not likely to get prosecuted.
But it would take around ten minutes for somebody to put a name on a "debarred" list. It might take another ten minutes for someone to pull up a licensing record. Just sayin'.
Sure, it's just picking them off one at a time. But it's my blog and if these cretins want to spam me, they can put up with my new hobby.
You could try forwarding the e-mail to a government official who actually listens and cares, like this one.
I do think there is a strong likelihood of the feds waking up next year, regardless of what happens in the election. Whoever gets elected will be under a lot of pressure to do something and won't have a lot of good alternatives.
...if these cretins want to spam me, they can put up with my new hobby.
Good for you. If only state and federal regulators shared your zeal.
Let's call him up!
407-733-8962
So... sassy!
Now we know what the "who could have thought this would happen, no one knew..." will be in regards to in 12-24 months. Thanks for keeping us ahead of the curve!
LOL! Thanks, a great job. I'm very sure he will be getting a call from someone he would not rather hear from as I just sent an old associate this link.
"Good for you. If only state and federal regulators shared your zeal."
Gosh, once Tanta's the Mortgage Czar[ina], won't she be their boss?
Maybe this is a matter for the FTC to look at, not just FHA, because maybe he is not actually offering people who respond FHA mortgages but rather is baiting-and-switching them into something else.
Wow, what an all-American guy!
It seems like lots of people have taken up on the email subject line:
skip your mortgage payment for 3 months.
Wow, that guy's day just got considerably worse.
This program sounds perfect. I don't have to verify income or assets do I? I mean my old broker did that kind of paperwork for me.
I could really use a break from this "amortization" craze that's going around lately.
"Wow, what an all-American guy!"
You're assuming he's not sitting in Nigeria or somewhere in the former Soviet Bloc.
Tanta for U.S. Attorney General.
You can contact this person if you wish:
tjspangler2003@yahoo.com
Sorry. Page not found.
This is my response to your posting CR& Tanta....thanks for the posting..although enraged by the Pigmen ...I do appreciate and pray for you and your site
Dear Sirs.
I cannot believe that you are allowed to operate in the State of Florida. It "Pigmen" like you that has caused this nation irreparable harm and perhaps total collapse of it morality and future ability to function financially. Apparently your greed far exceeds your pricipals and your ill indirect advise to your clintele speaks to your charter.. I pray that someone in the Federal Banking System (office of oversight,ect) brings you to task for your sleezy criminal behaviour,
Very Truly yours
William P. Cannon
This showed up in my email yesterday:
Is your current mortgage turning out to be too good to be true? Financing your current mortgage into an FHA loan can help save your home. New legislation will allow homeowners in danger of foreclosure to refinance into a low, fixed rate FHA mortgage. To learn more about this new program, give me a call today.
Respectfully,
Toby Spangler
TJS Financial LLC
407-733-8962
Sorry. Page not found.
So what? So this was the subject line of the email:
Skip your mortgage payment for 3 months
I hereby invite any reader of Calculated Risk, including of course any of you who happen to work for HUD and have enforcement authority, to correspond with Mr. Spangler and explain to him the meaning of the following:
The FHASecure initiative for refinancing borrowers harmed by non-FHA ARMs that have recently reset is not to be used to solicit homeowners to cease making timely mortgage payments; FHA reserves the right to reject for insurance those mortgage applications where it appears that a loan officer or other mortgagee employee suggested that the homeowners could stop making their payments, refinance into a FHA insured mortgage, and keep, as cash, the amount of payments not made on time.
I would of course be happy to forward the original message to anyone with a .gov email address; just drop me a line.
If you, a Calculated Risk reader, do not feel particularly motivated to correspond with Mr. Spangler, perhaps you could give some thought to corresponding with your members of Congress on the subject of "modernizing" FHA to allow more "streamlined" participation by mortgage brokers.
If you happen to be an idiot mortgage broker cruising sites like this one to find email addresses to add your sleazy spam lists, why go right ahead. Add me to your list. I'm here to help you get the recognition you deserve.
Wasn't Spangler one of the Ghostbusters?
Hahaha!!! Nice job
"These people are hustlers..."
Sooo- You're not going to refi with him?
Just forward it to the Governor of Florida at:
Charlie.Crist@MyFlorida.com
.
A friend of mine got an official-looking notice in the mail telling her she was entitled to miss the next couple of payments on her mortgage. After she did that, she was supposed to call the number on the card to arrange new mortgage terms.
Awesome, Tanta. You are my hero.
The problem is that a HUD enforcement officer can't just give this yahoo a phone call and tell him to knock it off. A whole investigation has to be opened and 6 million man hours of red tape has to be attended to. Trust me, I've been fighting this for years.
Not all brokers sucked.
cannot refinance into a FHA insured mortgage, and keep, as cash, payments missed
How about as a big old flat screen plasma TV?
So, if a home"owner" has already "skipped" say, six payments, Can Mr. Spangler help twice as much?
WAAHHHOOOOO ! ! ! !!
The problem is that a HUD enforcement officer can't just give this yahoo a phone call and tell him to knock it off. A whole investigation has to be opened and 6 million man hours of red tape has to be attended to. Trust me, I've been fighting this for years.
Well then perhaps we need to suggest alternative ways in which FHA can be "modernized."
Look, the guy's a broker, not an actual mortgagee. That means that somebody who is a real HUD-approved mortgagee is closing loans for him. That means that somebody who is a real HUD-approved mortgagee can just pop over to the "approved broker database," add the ol' SUSPENDED code, and be done with it. Nobody forces any lender to do business with any broker.
We all need to ask ourselves just exactly why the government has to spend a jillion hours investigating this crap when some "respectable" lender could make it go away in a matter of minutes. Cut off the funds, you cut off the fraud.
Somebody's funding this dude's loans. The real outrage isn't that this is going on in broad daylight and HUD can't keep up with it; the real outrage is that brokers like this still have a mortgagee willing to write their loans.
Now you've done it...
If you think this guy is pissed that you published his name & contact info - you are wrong. The guy is happier than hell...
You can say anything you want - just spell my name right (and post my email add'y - God bless you).
You'll have every poster on Universal Broker Outpost emailing you every day now...
You'll have every poster on Universal Broker Outpost emailing you every day now...
I already do, dryfly. This isn't exactly the first bit of broker spam I've gotten.
"Toby Spangler" would make a great stage name for a porn star.
Tanta - Maybe try FTC.GOV which is actually VERY responsive in my experience. Or if they do not have domain, maybe the fereral reserve - sigh.
why should an originator stop doing business with him? He's bringing in customers and it's not like FHA's gonna make them buyback the loan (how could the originator have known what the broker was doing!?)
(how could the originator have known what the broker was doing!?)
BEE-ZACTLY.
I am just providing a public service to the originators. That's all. I mean, I'm sure they'd want to know . . .
Charlie.Crist@MyFlorida.com
Dear Sir....I am copying you on this issue in the hopes that you will put your full faith and effort in stopping this kind of behavior in the state. When one seeks to "game" the mortgage system and the public coffers is is time for those in power to react to the situation...I trust you will find the time to have this looked into and let the people know that their is cause for them to rebuild there trust in the system and the political principals...Thankyou for your concern and attention to this affair.
Very Truly Yours, William P. Cannon
SEE PREVIOUS POST OF THE ISSUE ABOVE..THANKS FOR THE OPPORTUNITY TO EXERCISE FREEDOM OF SPEECH...
broker: Take you to lunch and call it even?
govt stooge: Sounds great, see you there.
.
"Toby Spangler" would make a great stage name for a porn star.
From one dirty california business to another
"Add me to your list. I'm here to help you get the recognition you deserve."
Tanta, I'm your fan number 1!
It isn't terribly difficult to figure out who the mortgagee is that he sends most of his stuff to.
I have in fact in the past notified not only HUD but the different states and the mortgagees as well. Always with the same results.
But tanta. that's my point. Posting this on a website, or forwarding it to the governor of FLA, isn't informing the originator. Unless the blogosphere can find ways to find the originator working with the broker, and send stuff to him (registered mail return receipt) there is absolutely no reason for originators to avoid these slimebuckets.
The email is misleading, but it may not be as fraudulent as people here want it to be. If you were to refi and close by 2/14/08, the next required mortgage payment you would have would be on 4/1/08. Standard mortgage Notes are paid in arrears and the payoff amount would include Feb.'s payment. That payment plus the pre-paid interest could be rolled into the new loan amount. Not sure that's what he is selling, but its not unreasonable.
But tanta. that's my point. Posting this on a website, or forwarding it to the governor of FLA, isn't informing the originator.
Judging from my non-spam email, we have a lot of people who work for mortgage originators reading this website.
you may have a lot of mortgage originators reading this website, but if FHA says "if you knew about this we'll force you to take back the loan" the probability that the originator will admit to reading this post on the website is ?
Send me the email addy. I get board sometimes and track down spammers and get ISP to kick them. I need the server address, and the entire email header.
Unless this came from a yahoo, or hotmail type account. That's a serious pain in the butt. It's more fun if the run their own mail server, web server, etc., and suddenly they find their business turned off.
Cheers,
Not sure that's what he is selling, but its not unreasonable.
Oh, come on. It's just accidental that FHASecure is designed for borrowers who were current until their ARM reset, and then became delinquent after that.
In any event, you might want to spend some time with 4155 before you make up closing rules for FHA loans. I quote:
Skipped Payments Not Acceptable. Lenders are not permitted to allow borrowers to skip payments. The borrower is either to make the payment when it is due or bring the monthly mortgage payment check to settlement. When the new mortgage amount is calculated, FHA does not permit the inclusion of any mortgage payments "skipped" by the homeowner in the new mortgage amount. For example, a borrower whose mortgage payment is due June 1 and expects to close the refinance before the end of June is not permitted to roll the June mortgage payment into the new FHA loan amount.
404 Not Found
the probability that the originator will admit to reading this post on the website is ?
That's not what I'm looking for, mort_fin. I'm looking for some broker to get a notice in the mail from his Account Executive that he was just suspended, because that AE's boss just read something on the Calculated Risk blog that didn't sit well.
You think that's impossible?
I sure don't think it's impossible, but it would require a degree of social responsibility from the lending community. So far, I haven't exactly been overwhelmed by the presence of this commodity.
So far, I haven't exactly been overwhelmed by the presence of this commodity.
Nor exactly have I.
But it does make fodder for the "let the free market decide instead of the regulators" debate.
I am correcting an information asymmetry. If that doesn't work, maybe we have to get out the handcuffs. I'm not one of the ones resisting that implication.
"If you were to refi and close by 2/14/08, the next required mortgage payment you would have would be on 4/1/08."
I'll be generous and allow that as being feasible. But it only covers two payments, not 3 (February 1 and March 1).
I don't understand how the FB can skip 3 payments without having at least one 1x30.
Terry, FHA doesn't allow that anyway. See my post above. Besides that, we aren't "skipping" any payments here.
With an FHA loan, the borrower would have to make the 2/1 payment. He could either pay the odd days interest on the new loan from 2/14 to EOM in cash at settlement, or include it in the loan amount. That would make the loan interest current at 3/1 (the prior month's interest would already have been paid) and the first amortizing payment would be due 4/1. There is no "skipped" payment on the old loan. There isn't even a "skipped" payment on the new loan; there is simply a one-month delay in the commencement of amortization on the new loan and a prepayment (in cash or with loan proceeds) of the first month's interest. At "best," a borrower can end up financing one month's interest payment (assuming, of course, that you haven't hit the maximum loan amount with just the payoff due to the old lender).
Of course, an efficient lender can actually make the first amortizing payment due 3/1 with a 2/14 closing. In that case the borrower gets a credit at closing for interest paid from 2/1-2/14 (since the new loan doesn't start accruing until then), and then makes a full payment of 30 days' interest on 3/1.
Update, for those of you keeping score at home:
I have already had one request for the original email from someone at HUD who knows where to send it to the Flordia enforcement folks. I have also had one request so far from a staffer on a state government banking committee who is working on crafting legislation.
Thanks, gentlemen, for looking out for the FHA program and borrowers generally. Salut!
Update, for those of you keeping score at home
updated tally:
Tanta: 45,873
Brokers: 0
bacon dreamz: 1 (i once had a picture i made on the front page!!!)
Yes, Tanta, I was letting it slide that the 02/01 payment would be made in some fashion as well as the accrued interest to the date of payoff (including the recision period).
My point was that the 3 skipped payments must result in at least one 1x30 on the existing loan. It has happened in the past that a borrower was told not to bother making the current month's payment, and the refinance loan fails to fund. That usually puts the borrower in a worse position than they were before. I can't, for the life of me, fathom how a broker can suggest skipping 3 payments is a good thing. Unless the broker is stupid or just plain evil.
oh wait, i get 2, i forgot i got a point once for correcting Shnaps on CFC's PIFs!
oh wait, i get 2, i forgot i got a point once for correcting Shnaps on CFC's PIFs!
Now, wait. You also once got a hat tip from me added to a post after you reminded me in the comments that I had forgotten to hat tip you. And if I could remember what post that was I'd prove it.
Shnaps: 1 (for the dictionary entry)
oh yeah! bd: 3 (you still owe me a curtsy)
Brian: 4,028
Sure, it's just picking them off one at a time. But it's my blog and if these cretins want to spam me, they can put up with my new hobby.
Match, Set, and Game.
Unless this came from a yahoo, or hotmail type account. That's a serious pain in the butt. It's more fun if the run their own mail server, web server, etc., and suddenly they find their business turned off.
Cheers,
Misean | 01.15.08 - 1:56 pm | #
Yup get to their ISP and you will find most have anti spam in the contract. Spammers are usually unplugged quicky.
Also, it is worth the time to spend walking down the road with regulators. I am still, after four years, dogging a six figure insurance claim by raising the awareness of certian parties actions. Frustrating; but at least I know the next person might get f****d a little less. Govt employees will be in their offices whether or not there is work to do..so, get your monies worth.
Bacon, I admire your competitive nature, but I thought we were all in this together?
Let's hug it out, bacon!
Also, it is worth the time to spend walking down the road with Govt employees will be in their offices whether or not there is work to do..so, get your monies worth.
Yes, yes we are in our offices...
And nearly impossible to fire....
Which makes public advocacy all the more possible (even if it doesn't fit with your bosses political agenda or -- much more common--the fact that he's just grossly incompentent.)
The times they are a changin'!!!!
Or you can't spell incompetent...
Jeeze,
I wish you'd take the kid gloves off and tell these guys what's really on your mind.
I would also like to thank those who are tracking this spammer down. Something along the lines of evil only requires that good men stand by and do nothing. In my book, even the disappearance of one spammer is a significant victory.
if you all don´t know that at leaset 45 days pass before your first ortgage payment after a refinace than you all are a bunch on know nothing newbies. Add an additional 30 days interest credit on the HUD plus 15 days leeway before payment is late. Next thing you know the first payment is due 3 months after signing. MAGIC .......... I think not, I just know my job as all of you should. Now get off your asses, stay off stupid blogs and go make some MONEY!
I´m so tired of you pathetic brokers pissed because you have a small or non existent pipeline.
please feel free to email me with any other idiotic remarks or false knowledge you might have.
I haven´t had a good laugh recently!
by the way......sorry for the poor grammar. I am down in Costa Rica where business is booming. Unlike, the states! The keyboards are in spanish and sometimes mistakes get made. Kind of like all the comments above. LOL