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Unfortunately, I can't think of any way that this could happen with the outer nut tightened. If you do get a solution to this problem, please post it here for the benefit of everyone else.
I've read through all the posts and see that several others are having the same problem, water leaks out of the knob screw hole. I replaced two cartridges today and they both have the same leak. I've tightened the outer nut but that doesn't seem to help. I have not seen anyone give a good answer for the repair yet, are you aware of one? I've called BK but got the answer machine, hope they are good about calling back?
I THINK IT IS APRIL 21ST OR RIGHT AROUND THAT TIME...
ALL I KNOW IS THAT I HAVE HAD TO DEAL WITH A LOT OF SHIT FROM CLOSE FAMILY AND FRIENDS FROM THIS. I WAS LIED TO BY JASON HIMSELF MANY TIMES AND HE DID NOT DO A THING HE SAID OR EVEN IMPLIED OR INTENDED. A TOTAL OF 140,000.00 WAS LOST WITHIN MY DIRECT FAMILY AND I HOPE THEY TAKE IT FROM JASONS ASS!!! I WILL DO EVERYTHING IT TAKES TO MAKE SURE THAT SON OF A BITCH WILL ROT IN HELL WHERE HE DESREVES TO BE !! JASON.... U NEED A REAL ASS KICKIN AND I HOPE YOU SIT & LIVE NEXT TO BERNIE MADOLF !!!!!! U ONE DAY WILL PROBABLY KILL YOURSELF AND HOPE U DO SO U CAN ROT WHERE U DESRVE TO!!!!!!XOXOXO :X
IF ANYONE NEEDS ANY INFO WHAT THIS GUY HAS DONE AND WHO IT HAS EFFECTED PLEASE FEEL FREE TO CALL ME AND DISCUSS, I HAVE NO PROBLEM TELLING ANYONE WHO CAN HELP ME WITH PROSECUTING AND MAKING SURE WHAT HAPPENS TO JASON IS CORRECT!!!!! Ryan Michael Berger CALL ME ANYTIME 321-255-9190 ....BRING IT ON JASON.... LETS SEE WHAT U CAN DO NOW!!!!!!
James, If you do not see the "Outlook" folder in its proper place in the old registry file, then you are probably looking in the registry file for a user who never used a version of the Outlook discussed in the note. In any case, if you do not see "Outlook" there, then you have nothing to export for this application. Exporting/importing the entire "Profiles" folder will not work under any circumstances.
I was able to follow you directions with the exception I don't have an outlook folder in the registry. It only has a Profiles key with each of my Outlook profiles under it. I exported the complete profiles key and tried to import it but I get the error "unable to access the Registry." Any ideas?
Thanks,
James
I can only imagine the problems that would ensue due to loans being transferred to new servicers. Everybody says that things will run smoothly. I am sure that the new servicer is dealing with any influx from their existing customers requesting changes to mortgage rates. Now they have to deal with new loans with the same (if not already reduced) staff.
Hey Jake, do you have any updates on trial dates? thanks
You do have a lender. It is the company that services your loan and courtesy of the federal government it is CENLAR. CENLAR does not originate loans and no other lender would take on somebody else's troubled loan. Why would they want to do that to their business?!! Lenders only do what makes "good business" sense for them to do. They only restructure bad loans that they hope to save.
Despite all the misleading media coverage and the popular spin put on it by government officials, Making Home Affordable program simply providers lenders financial assists to do what is in their best interest to do any way. Thus, it is just another government program that helps some financial institutions at a considerable cost to taxpayers.
Just because someone's loan qualifies for the MHA program, doesn't mean that they can or will get in on the deal. After all, the program comes from the government, but the money comes from private lenders. So, it still takes a willing lender to restructure your loan. When the government announced MHA program almost a year ago, it expected that 4-5 million people would benefit. But, as of the latest government press release, dated 1/19/10, only 110,000 have been approved for permanent modifications - how predictable!
Just this past weekend the chairman of the committee on Oversight and Government Reform opened an investigation into the Treasury’s mortgage modification efforts to supposedly speed the process along and see what has gone wrong. In reality, it is just another great way that the government wastes taxpayer money. They get paid twice - first, to create problems and then try to solve them.
Talk about mortgage hell...I am a former TBW customer who qualifies for a Making Home Affordable Refinance according to the MHA.gov website, the HUD housing counselor, and the housing counselors on the Hope for Homeowners hotline. I am serviced by Cenlar. Cenlar cannot refinance, so they referred me to US Bank and Fifth-Third Bank. Neither of these banks will take me (although I meet their credit score and other refinance guidelines) because the value of my home is 190,000 and I owe 206,000. Even though this is well within the MHA guidelines of "no more than 125%" Chase, BofA and other banks refuse to accept me because I am not their mortgage. MHA refers me to my original lender, well, as you all know, I don't have one. HUD states that all TBW customers were handed over to BofA, not true. I am part of that unknown multitude of people who currently have a mortgage not held by anyone. Great.
Anyone else with this experience?
My last attempt (prior to filing a complaint) to get the escrow interest issue resolved appears to have succeeded. I emailed the above post to Greg Tornquist, CENLAR CEO last Friday and today (Tuesday) I received a voice-mail and an email response from Deborah Werline, Quality Coordinator Customer Interaction at CENLAR stating: "As you have requested, a check in the amount of $12.38 will be mailed to you within three business days." I am glad that this issue will finally be closed.
Bobby McNamara called me back on Thursday afternoon to let me know that "as a courtesy" they will pay me interest on the homeowner's insurance escrow amount ($83.42 / month) they collected for the five months they serviced my mortgage (that's $6.03 according to my calculations), but not on the rest of it - not for the escrow overage or the extra amount they collected to cover a non-existing shortage. He justified this by saying that they were not responsible for the annual escrow calculations, as these were performed by Taylor Bean and Whitaker prior to CENLAR taking over the mortgage loan and CENLAR was under no obligation to recalculate these, unless I requested them to do so.
Of course, I could not have possibly known that CENLAR made the escrow coding mistake until somebody at CENLAR told me about it and if they had not made the mistake, no escrow recalculation would have been necessary. CENLAR would have simply used the money they collected from me to pay my homeowner's insurance on time and that would have been it. Their mistake and their failure to correct it in a timely manner caused me to pay my insurance company directly. I did this to mitigate potential damages, such as late fees and losses resulting from lapsed insurance coverage.
I made a very reasonable request that CENLAR cover my minimal damages, equivalent to the $12.38 in interest I would have saved, had they credited my payments towards principal, instead of keeping them in an escrow that they had no intention of disbursing. I did not ask CENLAR to pay for my time dealing with this issue, for the emotional distress it caused me, or anything else. Yet Bobby refused to make good. He told me that if I had other documented damages resulting from their escrow mistake, such as late fees, they would cover them, but that mine was not a damage CENLAR recognized. I wonder what song Bobby would be singing if my house burned down, while CENLAR had my insurance coverage lapsed?!!
Time to file a complaint with state authorities, I guess...
mmmmmmm yummy
Jake, just thought I'd point out one mistake in your article. Domestic cats (and feral cats, which are the same species) are not omnivores. They are obligate carnivores meaning they get all of the nutrients they need from meat (unlike dogs, which need nutrients from veggies as well). Also, most cats cannot process lactose, but some can. Or, rather, they can process it to varying degrees, just like human beings, depending on how much of the lactose-breaking-down enzyme their body produces. Because nature didn't intent for cats to have the ability to break down the sugars that come in COW'S MILK (aka lactose) cats usually do not have the lactose-breaking-down enzyme. At the store they sell "cat milk" cartons which have added enzymes, I believe. Finally, lactose tolerance isn't a fixed thing--it comes and goes depending on use in humans. While it is genetic, the gene itself has to be stimulated by the intake of lactose to create lactose breaking down enzymes. Hope that makes sense.
I got a call from Robert ("Bobby") McNamara (609-883-3900 x2062) on Wednesday evening. (No, not JFK's Secretary of Defense, that Robert passed away last year.) Bobby is apparently the head of CENLAR's customer service. He told me that the reason CENLAR did not pay my homeowner's insurance was because my mortgage was not properly notated as homeowners insurance escrowing, upon transfer from Taylor Bean and Whittaker to CENLAR.
Bobby approved my request to cancel my loan's escrow requirement and told me that he would check into making an adjustment for interest that would not have accrued, if the extra escrow amounts would have been applied to principal repayment. This Friday morning we spoke again and Bobby informed me that CENLAR would send me a check for $1.69 to make up for the extra interest I paid. His calculation appears to be incorrect.
According to the joint TB&W and CENLAR announcement, CENLAR took over my mortgage loan on August 12th, 2009. Apparently, that's when the mistake in escrow designation was also made. For this reason, Bobby thinks that CENLAR only owes me interest on five months of escrow over-collections. That's one way to look at it, but even under such favorable for CENLAR assumptions, I calculated much different interest difference.
CENLAR collected escrow amounts based on Taylor Bean and Whittaker's annual recalculations dated July 8th, 2009, with an effective date of September 1st, 2009. When CENLAR took over in August, my escrow balance of $364.20 was transferred to them. Add to that an additional $170.20 in escrow funds that were taken from my August payment, which TB&W endorsed to CENLAR and we arrive at $534.40 initial escrow balance.
Starting in September, CENLAR began collecting an additional $24.01 ($194.21 total escrow payment) per month. This was based on HO insurance payout expectation of $1001 in December, as well as February and May County Tax payout obligations of $512.82 each. Yet, by Bobby's own admission, CENLAR never expected to have to pay my homeowner's insurance!
Had CENLAR properly reconciled their escrow documents, they would have seen a $329.26 overage (above the 2 month reserve allowed by most state laws) in my escrow account, which they would have been obligated to refund at that point. Had they done this, the new monthly escrow payment amount would have also been reduced by $67.63, rather than being increased by $24.01 ($102.57 new total escrow payment) per month. See Account Projection Detail table, below.
Based on this, I calculated the decrease in interest I would have paid CENLAR, had they credited the additional escrow amounts ($329.26 in August and $91.64 monthly after that) towards principal. Five months of compounded interest at 5.75% (my mortgage rate) on $329.26 works out to $7.96 = $329.26*((1+0.0575/12)^5-1), while the interest on a stream of four extra monthly payments of $91.64 works out to $4.41 = $91.64*(((1+0.0575/12)^4-1)/(0.0575/12)*(1+0.0575/12)-4). That's a total of $12.38 that I would be owed, using favorable assumptions that only credit me for interest during the time CENLAR held my loan.
If after reading this you are wondering why I bothered wasting so much time to make a big stink over a little over $10 difference in interest - well, it's a matter of principal! Besides, if CENLAR made the same mistake with the many thousands of other former TB&W mortgages they assumed, this could add up to quite a sum...
I have a 8" quarter master outside my house that comes out under my deck. The sillcock, the outside chrome part is all the same diameter, but I noticed very end of the new ones flare out. This isn't an problem when replacing the insides! :)
I pulled the insides out of a new Mueller 8", where the outside of the sillcock is flared. It fit perfect inside my old non-flared sillcock, and I didn't need to replace the whole thing, just the internals/stem. I also just called Mueller, and they said there is no problem with that, the newer outside sillcock that flares out, is just from a new company and doesn't effect performance, etc. The inside diamter is the same, it's just thicker walled on the end....
I just got a letter from CENLAR stating that they will no longer be handling my mortgage! I can't get in touch with anyone either and have 2 payments that are outstanding. Because they were never deducted from my account, the money to cover them is now gone (i know, my fault for not keeping my check register current). When I buy a home, I choose the lender - I have no control now and this really bothers me.
Just spoke to a representative at CENLAR again - a week after sending in the FAX to their escrow department. Apparently, they have not yet made a decision on my escrow request. The lady I talked to told me that she is getting 4-5 calls from former TB&W customers with escrow related issues like this.
My understanding is that in collecting escrow funds, CENLAR is acting as an escrow agent and thus has a fiduciary duty to disburse funds in the escrow account according to the agreement. If you have an issue with CENLAR collecting escrow and not paying your taxes and/or insurance on time, you may want to go directly to Greg Tornquist, CENLAR's CEO and let him know how you intend to deal with his company's failure to disburse funds in violation of the escrow agreement.
You can reach his office by calling 609-883-3900 and speaking his name at the prompt. You will, of course, not get Greg directly, but the gatekeeper - his assistant will take a message and give it to Greg. She also told me that I would get a call back from the head of their customer service department. We will see.
Unless CENLAR fully resolves my complaint internally by this Friday, I first plan to file their home state - New Jersey Department of Consumer Affairs complaint form: http://www.nj.gov/oag/ca/ocp/ocpform2.htm . I then will probably also file a similar form with Colorado - my home state, as well as with the Federal Trade Commission. And if none of that helps, there are probably some class action attorneys that would be interested in taking on CENLAR, as well.
It is really easy to accuse someone of wrongdoing. It is more difficult to keep cool in responding to accusations. Responding with facts is not only what I would do, it is what I have done. Facts that discredit the accuser can clear the name of the accused.
CENLAR escrowed for my homeowner's insurance, but did not pay it by the due date of 12/21/09. I paid myself and on 1/5/09 FAXed the following letter to their escrow department (609-718-4622), requesting (among other things) that they stop escrowing. To date, I have not received their response. I will post it in a reply if and when I receive it.
-----
I am requesting that you immediately stop collecting escrow on the above referenced loan, close the escrow account, and credit the escrow balance amount, including interest at the same 5.75% rate of the underlying mortgage note to my current balance due.
An escrow agent has the fiduciary duty to pay bills that they escrow for in a timely manner. CENLAR has violated that duty by failing to pay my homeowner’s insurance bill, which was due on December 21, 2009.
My insurance company, Traveler’s, updated their records and sent you the bill on November 19th, 2009. By chance, I noticed that the bill was still not paid by the weekend, and called CENLAR on December 28, 2009.
A CENLAR agent told me that CENLAR had the correct insurer information on file, but that the amount of payment was not in the records. I gave the agent the amount of the bill and was assured that the payment would be expedited and processed by the end of the year. I asked to be transferred to a manager for additional reassurance, but after 45 minutes on hold, my call was dropped.
To make sure that it was taken care of and the payment credited in 2009, I paid the insurance bill myself on December 28th. When I called to inquire on the payment status today, I was told that that payment had still not been made. I informed the agent that I had already paid that bill and asked that the payment to my insurance company be stopped. I also made the verbal request to close the escrow account, but was told to write this letter.
CENLAR has violated a fiduciary duty by failing to use the escrow money they collected in accordance with the terms of the escrow. By violating the terms of this escrow agreement, CENLAR has effectively terminated it already.
I am now asking CENLAR to do the right thing and to immediately stop collecting any additional escrow payments on the above referenced loan and close the escrow account. Furthermore, to avoid potential legal problems, CENLAR must admit their mistake and credit the escrow balance amount, including interest at the same 5.75% rate of the underlying mortgage note to my current balance due.
The new date was December 12, but the FDIC is still releasing payments.
I spoke to someone in New Jersey who was at least understanding the words I was speaking. 609-883-3900. 0 for operator. Ask for customer service.
I called the 800 number listed on the above mentioned letter, you know, the one dated on August 18, for a change which took place August 12, which effectively lost payments awaiting posting... oblivious to the idiosyncrisies of government bureaucracy, due on August 1. I am incredibly frustrated that Cenlar thought it effective to allow an overseas (sounds like India) customer service firm to deal with such a sensitive and complicated situation. The barely understandable customer service staff only answer a handful of questions regardless of the questions asked. I am fed up and ready to switch my mortgage to a firm with understandable customer service. No wonder our job market is failing, everything is given overseas despite the inadequacies it causes.
Jake,
To make the statement that the best way to "repudiate a comment...is to post a factual reply that contradicts it." is false. How does one defend their personal character against libelous comments? To assume one can defend their character with a factual comment to refute a post full of lies is ridiculous.
Jake, show some character and take some accountability for what you allow to be posted on your website. The right thing to do is to take down the comments about innocent people who were victims in this situation. If you need facts in order to do this, then I will send you a copy of the indictment myself which shows only Jason Brooks and Scott Carew were charged with any crime.
"Science may have found a cure for most evils, but it has found no remedy for the worst of them all-the apathy of human beings."
-Helen Keller
Dave,
BK Mueller has been very accommodating every time I have called. The cone washer was included in all the repair packages I have received, even without me asking for it. However, it couldn't hurt to specifically ask for it to be included.
Good luck,
Jake