When The Bank Illegally Foreclosed This Police Officer's Home, He Got The Ultimate Payback

[Music] finding out that your bank is attempting to foreclose on your home is up there among the most distressing things that could ever happen to you but this couple from Florida weren't about to go down without a fight especially as they had already paid for their home and their plan for revenge was deliciously ironic Warren and marine areas live in the Golden Gate estates in Naples Florida where they owned their home but as you might have guessed they were about to be in for a shock and one that had absolutely no bearing on the truth of their situation you see Warren a retired police officer and his wife Maureen purchased their 2700 square foot home with $165,000 in cash in 2009 and because the couple effectively owned it outright with no outstanding debts they had no need for a mortgage indeed the couple had purchased the home directly from Bank of America after its previous owner had defaulted on payments and the bank had reclaimed the property this was all simple information that would certainly have been in the bank's records but apparently that didn't occurred to the multinational corporation at the time because in 2010 the Bank of America attempted to foreclose on the near Kisses home foreclosure is a broad term that applies to any loan not just one levied against a house or property it refers to the process whereby a lender tries to recover the full amount of a loan because the borrower has ceased making payments the unusual means by which the full amount is recovered is by selling or claiming back the asset so in the case of a house if mortgage payments had stopped the bank would normally try to reclaim the property and this is exactly what happened with the Nair geeses homes previous owner Warren and marine however had paid cash for their home and so there was no mortgage to stop making payments on the Bank of America therefore was clearly in the wrong I talked to branch managers I called anyone who would listen to me Warren told the Naples news I wrote a certified letter to the bank president no response nothing to ensure the bank didn't wrongfully seize the property they rightfully owned then the couple hired an attorney to defend them that attorney was taught Allen a man who had only been practicing law for a mere eight months Allen however was the only lawyer who'd take the near gooses case and fight the powerful corporation eventually then the Bank of America dropped the case against Warren and marine into its mind that was probably the end of an embarrassing chapter but in fact it was only really the beginning for the bank after all it had caused undue stress to the couple and that wasn't the only damage incurred it turned out that the whole ordeal had caused the couple to rack up a whopping two thousand five hundred and thirty four dollars in legal fees and as the Bank of America was the party at fault the pair informally asked that it cover their outstanding debt to their attorney but despite multiple requests from Warren and marine the request fell on deaf ears and so instead they were forced to turn to the courts thankfully the court sided with the couple in fact the Bank of America was formally ordered to settle the pair's legal fees which had been incurred through its mistake five months later however the dead had still not been paid off despite plenty of phone calls and letters from both the Nair gases and the returning Allen finally then Allen had no choice but to take the last resort to make the bank hand over the cash they've ignored our calls ignored our letters legally this is the next step to get my clients compensated Allen told CBS News in June 2011 so what was the next step well it was a move that would absolutely turn the tables on the Bank of America indeed Allen retaliated by moving to foreclose on the bank itself he first acquired an order foreclosure and then turned up at a local branch with Sheriff Deputies in tow and that's when the real revenge could begin the deputies under instruction from Allen began removing furniture computers and even cash from the bank teller drawers eventually the bank manager relented after checking with his own superiors he wrote Allen a check for five thousand seven hundred and seventy two dollars and eight cents covering the original fees and the extra cost that had been incurred since furthermore the bank issued a written statement to Warren and marine apologizing for the late payment of the funds it did not however express any regret for attempting to foreclose in the first place plus the corporation even managed to spell the couple's surname incorrectly in the correspondence an aggravated Allen later told WI and K T V having two sheriff's deputies sitting across your desk and a lawyer standing behind them demanding whatever assets are in the bank can be intimidating but so is having your home foreclosed on when it was a bright unsurprisingly Warren and marine were happy to put the ordeal behind them as Allen said they were drained emotionally after all almost having your house taken away the house you always thought you had owned it's a frightening prospect Bank of America spokesperson Jumana Bowens meanwhile told ABC News basically were truly sorry for the series of unfortunate circumstances that mr. Nagus experienced he received a judgment and rightly so on Friday that judgment was paid nevertheless the settlement was still paid five months late and only after Allen and the couple had turned the tables on the corporation the fact they needed to do it at all paint a sorry picture for the bank and taste to foreclose but there's no denying how wonderfully OnPoint this revenge was [Music] [Music] you [Music]

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Id: MLlqwDw9_z4

Length: 6min 6sec (366 seconds)

Published: Wed Mar 13 2019