Lynette sent me this e-mail and asked me to post it for her:

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I must tell you I read your entire web site. Now, I am a Bay Area native x6, so perhaps I was prejudice, but I think you rock!

While I am a Realtor, and I can see potential problems with my clients contacting you questioning my job, I realize there is a huge majority of agents that will gouge anyone for a buck. My problem lately is clients so concerned and "informed" they question everything I do as if I am lying to them, while asking numerous others and taking differences in opinions as a slam against me.

I am for the little guy, my first month in Real Estate, I went (not a short trip) at my own expense to the head of HUD (just appointed) on behalf of a client, her husband left her with 3 small boys, she was laid of (by her brother in law) for being unstable at work during the divorce.... her soon to be ex filed BK, that is where she lost her rights.... I spent many, many , many days , hours etc on her case , because it was so unjust. She was denied time to sell her home because of the BK, HUD in Santa Ana and a gray area to deny her, when I fought it, and believe me they hated me, I continued to find someone to listen to reason instead of spewing out stupid BS on their files. I was typing away at what would be hours of rehashing, and decided not to bug you.... Suffice it to say, I fought the cause and won her rights and earned her money to move.... I am a Realtor who TRULY cares for my clients, even at the loss of my own income many times.

I came to your site from the article on Transamerica... I have had similar problems with Wells Fargo, I mean me, personally.... I had cancer and did a mortgage modification, and then Wells Fargo bought Norwest.... I was told by all the idiots with the Wells Fargo bank ... we are working with you, now we are faced with Wells Fargo losing 7 cash payments I made in their branches.... now they are questioning the validity of my receipts, and the 2 receipts I cannot find I am screwed.... I am not a stupid person by any means, I had a bounced check because of a hold on a deposit, and it made my mortgage late, I was told I would lose my home ....I thought cashing my checks and paying cash would be smart......YEAH RIGHT!!

They pulled crap and I was forced to file chapter 13 to protect myself, and then they told the trustee I had made no payments, and although I provided the proof I had to my attorny, she said it was more work than she wanted.... I hired another attorney, while he told me he was on it and had his I thought very competent paralegal on the case, making all the right calls, and telling me she found the right people......this was in OCT...... I received a check from Wells Fargo, re:cash, to myself, no letter no nothing in Jan. Now my attorney, says I have no recourse......Wells Fargo was granted a relieve of stay by saying I had no payments post petition, even though I had, now the ones that were cash are being "investigated" I had no recourse or rights, they straight out lied.......I have 5 minor daughters and the stress of this CRAP has me near a total mental breakdown. My home has about 80,000 in equity...they want it, there is so much more to this story....

I feel like nobody cares, Justice means nothing......if it requires a lot of work, nobody cares....I am not a wealthy or powerful woman...I am fortunate enough to be friends with probably the most honest man ever...." and a CPA, the former CFO of Western Digital and internal auditor of Price Waterhouse, he is going over all my accounting to put together a CLEAR accounting of my account.....who knows if it will matter..........

See, I may sound insane, but this is quite normal treatment for the powerful banks.... They have all the rights, our rights as consumers can never be protected, because we cannot guarantee representation....there is not enough money to be made to warrant the time it requires.

As a Realtor, I offer my help to people in distress, I NEVER work on a bank's behalf, because they are dishonest, and I don't need to earn my living in the pain and blood of victims.

This is why I admire you, I sense the same and more from you... If I can help, or if you can offer any help or advice to me, I would appreciate it!! Please feel free to publish my letter.....if it makes sense...

Please feel free to call me (private number deleted.) Thanks for your ear and time.

Lynette Lum- Realtor
Century 21 Wright
(800) 899-7447 ext 236
www.TemeculaEstates.com
TemeculaEstates@hotmail.com