Don't Worry Chase Bank,
Nobody Here but us Lemmings.

Thursday, December 17, 2009

Twas the Night before Bonusmas, and all through the House...

Mark Fiore's latest Political Animation Cartoon contains some pretty powerful Prose. Please enjoy the video and remember, bonus responsibly.

Don't forget, the Cat Who Ate Chase Bank, the book, coming out in early 2010.

Friday, November 27, 2009


It is interesting that a New York judge decided to "punish" One West Bank of California for poor behavior, for their unwillingness to fairly negotiate with one of their customers. The tide may be turning against the banks as judges begin to come forward and fight for home owner mortgage modifications.

While I think it is possible that this case could be overturned in a higher court, I think this judge may be making a valid decision using the premise of a "wake up call" to the banks. If Banks continue to behave smugly, especially when they have received federal bailout money, then maybe judicial "wake up calls" are a valid reason to waive homeowner debt as the verdict serves to create motivation for the banks to try and be more helpful then they presently are being.

Don't forget, the Cat Who Ate Chase Bank Book, coming in early 2010.

Tuesday, November 24, 2009

More Chase Bank UNHAPPY, ANGRY, AND AFRAID home loan modification customers.

When I find so much anti Chase Bank sentiment on the internet I do also wonder what is Chase Bank's position on the situation. I assume Chase Bank is trying to move forward cautiously on home loan modifications and in a way that does not create greater losses for themselves.

But, there does seem to be a pattern emerging where people just want the best chance to succeed with their home loan modification. How can a home loan modification at 11.99 percent be considered a success?

Don't forget, the Cat Who Ate Chase Bank Book, coming in early 2010.

Sunday, November 22, 2009


Apparently, Parallel Foreclosures is a banking process by which banks start foreclosure papers on your home from the moment you voluntarily come in to ask for a home loan modification.

It appears the good guy bad guy bankers will look the homeowner in the eye as the homeowner attempts to civilly negotiate a home loan modification solution even as the another set of banksters, the robo banksters, are secretly loading up their foreclosure machine gun to remove the homeowner from their home via a foreclosure, auction, and eviction.
Even if the homeowner is good faith complying, the robo banksters may have already started loading their foreclosure bullets anyways by a process known as parallel foreclosures.
Could the video above be the training film the robo banksters are using to take a home from the homeowner who was simply asking for a home loan modification? In the Robo Bankster world, compliance doesn't mean what it used to, as the video demonstrates.
You can see a longer version of the video clip above, directly below.
Mr. Kenny, the person in the video clip who complies by dropping his "weapon" (also known as a home loan modification for our purposes), reminds me of a homeowner that has asked for a homeloan modification.
The robocop is the foreclosure robot specialist, also known as the robo bankster with the machine gun arms.
The gentleman who advises Mr. Kenny to "drop his weapon" (the home loan modification application), is the home loan modification specialist advising Mr. Kenny on the right way to comply.
See what happens when Mr. Kenny "complies" (spoof alert, this is just a spoof based on a famous movie called robo cop that was made in the late 80's).

Don't forget, the Cat Who Ate Chase Bank Book, coming in early 2010.

Saturday, November 14, 2009

Banks' messes prove they need a strict baby sitter --

Excellent article by David Lazarus of the Los Angeles Times. Click the link above to read it.
"This didn't seem like the way you should treat a loyal customer," Underwood said.
Chase Bank and the word loyalty in the same sentence? One more customer learns the truth.

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Thursday, November 12, 2009

BE VERY AFRAID OF CHASE BANK, VERY AFRAID, How Chase Bank takes your home even while they accept your payments.

This is a very very important story. The CBS 5 news reporter, Sarah Buduson, has clearly and concisely exposed how Chase Bank is stealing people's homes!

While Chase Bank negotiates to your face over a home loan modification, Chase Bank at the same time is also spending tons of money to process all the necessary paper work to foreclose on your home!
One of the basic tenets of a civilized society is to first communicate with the other side and then allow them a certain amount of time to respond to the request, then and only then does one proceed the case to the next level!

It's as if Chase Bank views the home owner as a rent ransomer and Chase Bank is merely stalling them while their own foreclosure swat team moves in to have the home owner removed.
In this instance, Chase Bank only admitted they made a mistake when the news media got involved!
That is how a bankster behaves. The home owner wants to stay in their home and willingly comes in to communicate their desire to Chase bank. What does Chase Bank the Bankster do? Chase Bank the bankster actually stalls the homeowner while preparing the papers to foreclose and sell their home even when the homeowner is actually complying with Chase Bank's requests!

You all should check out my Robots Against Chase blog. There is an actual video of a homeowner who went through the very same thing as the couple in this video and he describes in agonizing detail how Chase Bank simply ignored his payments and kept processing his foreclosure papers!

Putting resources into repossessing a home when the homeowner is trying to work with Chase Bank makes Chase Bank business practices an enemy of the people, and the judges who placate them are the biggest enablers of all.

I believe the reporter should go find the judge who signed off on the foreclosure paperwork and ask that judge why it is ethical to proceed with a foreclosure when the home owners are still in negotiations with the bank over a home loan modification.

Don't forget, the Cat Who Ate Chase Bank Book, coming in early 2010.

(Edit note, I was informed on a loansafe dot org forum that not all foreclosures and evictions require a judge's signature, even when law enforcement shows up to evict the homeowner!)

Thursday, November 5, 2009

The Great Credit Card Interest Rate Caper, how the banks are selling your job overseas, and charging you for the privilege of doing it.

Credit card debt in combination with high high interest rate charges amounts to american consumers paying 15-25 billion dollars EVERY MONTH in INTEREST RATE CHARGES on EXISTING, OLD CREDIT CARD DEBT. 15-25 billion dollars EVERY MONTH of precious "after payroll tax" dollars bypasses local economies and instead goes directly to banks and not into local economies resulting in lost local jobs.

Lost local jobs equals less revenue for states even as the states spend more and more to take care of those who are out of work. Less revenue for states leads to increased state and local consumption taxes. Increased state and local taxation results in local businesses cutting additional jobs and spending. The local community loses jobs and the ability to buy goods or services. Repeat the process for the same result, fewer jobs, more debt, and no way out.

Credit Card Debt creates 15 to 25 billion dollars of spending money each and every month for Wall Street executives to invest in overseas job opportunities. Americans with credit card debt are financing overseas jobs that create knock off, lower cost products that desperate americans then buy because they cannot "afford" anything better.

The irony is, after a few years of increasing credit card debt caused by the loss of local jobs, americans would have been better off paying DOUBLE for an american made product in cash.

Spending more money locally in cash can actually be more cost effective than buying a knock off made out of the country for less up front money because of all of the credit card interest rate charges that get tacked on over time.

Because the usurious credit card interest rate scandal is too good to be true, Credit card enslavement has been created by raising interest rates to record levels so that people cannot afford to pay down their credit card debt.

Profiteers from the above endeavor simply ridicule anybody with credit card debt to keep them in line, to make them feel ashamed and beaten down and embarrassed to publicly protest about what is going on.

Federal, State, and Local governments, nervous that their own revenues are falling, swoon at the banks feet because amazingly enough, the banks have cash and can help salvage local governments through the troubled times that the banks themselves helped create.

The banks generously offer low interest rates to all branches of government to help offset the "deadbeat" taxpayer that was originally victimized by the same banks that the government is swooning over.

You have to wake up your local government officials and demand that interest rates on EXISTING CREDIT CARD DEBT, not new credit cared debt, BUT EXISTING CREDIT CARD DEBT, needs to be SEVERELY REDUCED, to 1 or 2%, for any consumer that can afford to pay down their credit card debt, YOUR JOB, YOUR LIVELIHOOD, YOUR HOME, may depend on it.

Don't forget, the Cat Who Ate Chase Bank Book, coming this November.

Sunday, October 25, 2009

Ann Minch on The Suze Orman Show talking about the Debtor's Revolt.

If only Suze Orman read this blog. If Suze Orman read this blog she would wear a lunch bag over her head out of embarrassment, not for the great job she did while Ann Minch was on, (and Ann was pretty terrific as well), but it was Orman's absolutely WRONG answer to an email question about Chase Bank's 7.99 interest rate offer that floored me.

Before I go on about the wrongness of Suze Orman's answer to the Chase Bank question, let me state that she and Ann Minch did such a wonderful half an hour together Ms. Orman would be wise to split that half an hour from the second half of that particular episode and rerun it in future programs.

But please, please Ms. Orman, if you decide to rerun your debtor's revolt segment, PLEASE ONLY DO THE SEGMENT WITH ANN MINCH SINCE AFTER THAT SECTION, RIGHT NEAR THE END OF THAT HOUR SEGMENT, YOU GAVE AN ABSOLUTELY WRONG ANSWER about Chase Bank and their 7.99% offer.

Many have called Chase Bank's 7.99 percent interest rate offer to customers who actually had lower interest rates a bait and switch manuever. Since the original life of the loan lower interest rate Chase Bank had previously offered was for interest rates of 1.99, 2.99, 3.99, 4.99. and 5.99, customers have now been FORCED to accept the 7.99 percent offer because Chase Bank raised their monthly minimum payment from 2% to 5% and they could not afford such a HUGE JUMP IN THE MONTHLY PAYMENT.

It's like somebody picking your pocket and then offering to give you back SOME of the money. Well goodee for Chase Bank, but not for their customers.

Suze seemed pleased with Chase Bank for making the 7.99 interest rate offer AFTER CHASE BANK RENEGED on their original, life of the loan offer by raising the monthly minimum payment from 2% to 5%. Some if not all of these 7.99 interest rate offers are only for a couple of years, then they too balloon to as much as 20 plus percent! How can this be considered a good thing when the ORIGINAL DEAL WAS FOR A LOWER INTEREST RATE FOR THE LIFE OF THE LOAN?

Perhaps I shall devote two chapters in my book, The Cat Who Ate Chase Bank, to Suze Orman. One chapter will be devoted to the fine half hour she spent with Ann Minch of Debtor's Revolt, and then a second chapter would be devoted to reviewing Ms. Orman's comments about Chase Bank's " 7.99 interest offer". I am really saddened Ms. Orman could fly so high one half hour, than fall so far so fast within minutes by actually giving props to Chase Bank for baiting and switching their customers.

However, I would like to complement the Suze Orman show for their rapid fire use of text messages at the bottom of the screen that immediately inform people about what is going on. The text information adds an extra layer of valuable information as the interview proceeds, especially for those who may turn in during the show and not know what is going on. For that the Suze Orman show gets a huge round of applause.

I normally take a photo off of the television screen when I do a review of a televsion show or segment, but when I upgraded to snow leopard my canon camera no longer uploads my photos. Canon customer service assures me that if I call during the weekday customer service hours they will help me get my photos to upload. I remain skeptical but will give it a try. My book has been delayed because of this Apple and Canon fiasco.

(edit update). The Canon and Apple Snow Leopard incompatibility issue is supposed to be corrected by mid November 2009 to late November 2009.

Don't forget, the Cat Who Ate Chase Bank Book, coming this November.

In case you never saw the Debtor's Revolt video, here it is.

Wednesday, October 7, 2009

BofA pledges moratorium on credit card interest rates hikes

I credit Ann Minch of the very famous youtube Debtor's Revolt video as being the reason for Bank of America's decision to not raise credit card rates anymore before the Credit Card Reform Bill takes full effect in early 2010.

Meanwhile, Chase Bank refuses to make a similar promise as Bank of America. Just one more reason in a long list of reasons why the book, The Cat Who Ate Chase Bank, is needed as a rallying cry against Chase Bank.

My favorite saying..."People who say it cannot be done should not get in the way of those who are already doing it." ...applies here. I have always felt that telling someone something can't happen because of "them" is the same thing as trying to stop them.
I have always gotten the chills when hearing the phrase "they won't listen", or, "they will never do that", and now my chills have been justified. For those who believe that "they" don't listen or "they" will never do that, Ann Minch has proven the "theysayers", wrong.
Ann Minch is living proof that ignoring the "they" idiots and doing the right thing can get a just result.
Ann Minch was right for believing that enough is enough, and now millions of people will benefit as a result.

All people had to do was watch her youtube video to ensure that the collective number of viewers would grow to an eye opening amount.

1/2 million people watching a video about finances is the same as 20 million people watching a youtube video about a celebrity scandal, and Bank of America noticed, whereas Chase Bank did not.

This is why Chase Bank remains in a "class" of their own.

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Tuesday, September 8, 2009

The CAT WHO ATE CHASE BANK BOOK is coming, the blog is already here.

Don't be shy, please leave a message in the comments section. Click on any image to see it enlarged.
Just what has Chase Bank done? Where to Begin.
A comment I just read tonight on the internet, 10 simple words for Chase Bank to live by...
"I just want Chase Bank to honor their original agreement".

To get Chase Bank to honor those 10 simple words, it is going to take ongoing pressure above and beyond the year 2009.
The Cat who ate Chase Bank will be chock full of actual Chase Bank actions and attitudes that defy civility towards their own customers and even their own employees.

The Cat who Ate Chase Bank will explore and expose Chase Bank's actions that reveal a banking philosophy of "the bank comes first, second, and third."
Is Chase Bank's arrogance somehow tied into Jamie Dimon's relationship with Barack Obama?
Barack Obama accepted tens of millions of dollars in FRAUDULENT Credit Card Donations in 2008. The Credit Card numbers were valid, the names on the credit card were altered to protect donors who had already given the MAXIMUM legal limit.
Could this be why Barack Obama is doing nothing to stop Chase Bank from doing whatever it wants to over a million of their most reliable customers?
Is it possible that somehow Jamie Dimon knew how to make these type of illegal donations happen?
Is that why now Barack Obama does nothing even as Chase Bank endangers the credit accounts of possibly more than one or two million customers?
The customers being affected are customers who EARNED an excellent credit offer by being oustanding credit card customers with an outstanding credit card history. Now these very same customers are being attacked by Chase Bank, simply because Chase Bank thinks they can get away with it.
These customer's monthly minimum payments that they HAVE NEVER BEEN LATE PAYING, are going to increase by 150%. A 300 dollar payment will now become a 750 dollar payment.
Yes, Cheating Honest Americans sure does seem easy, and that is why The Cat Who Ate Chase Bank is being turned into a book. Lets spread the message wide and far that Chase Bank is dead to you, dead to me, dead to all of the millions of americans that just can't stand their arrogant and narcissistically deplorable behavior.
Telling the story of Chase Bank's arrogance through a cats eyes is no easy task.
I can tell you that these photos are lovingly taken, at the time and place of the CATS CHOOSING.
While many of the pictures may come across as humorous or even cute, the messages in the photo are all serious.
Many Chase Bank Customers simply want Chase Bank to "leaf them alone".
Other Customers have already formed lifelong, NEGATIVE, opinions of Chase Bank.

Assuming I can put a book together without getting bogged down in the technical details, The Cat Who Ate Chase Bank should be available by the first week in November of 2009.

This blog won't have that many blog article updates. So if you wish to participate, please leave a comment in the comments section.
Estimated book price will be 15.00 dollars per book, a multiple order of 6 books will be 60 dollars, and 12 books should cost 99 dollars. I am hoping to make a dent in the small business stores. Purchase a 12 pack and if you sell them all at 15 dollars each, you will make a nice profit.

NONE of these pictures are photoshopped. Other than some standard color correction, these pictures are not manipulated with any special software programs.

If this book reminds people that Chase Bank's attitude in this time of great economic strife was unacceptable, then the impact this one book could have could be incredible, and, more importantly, well deserving of a bank that is too big to care for its most loyal and never late paying customers.
Those who have blogged in protest, have written congress, consumer affairs, their local politicians, discussed Chase Bank with anybody who wanted to know, how much time have WE LOST because of the arrogance of Chase Bank?
Just read some of the thousands of letters that are located at to get a sense of the trauma that Chase Bank has UNNECESSARILY inflicted on their own customers.
14 Class Action lawsuits have been filed against Chase Bank over their recent activities against the consumer.
If you were promised a "Life of the Loan" low interest rate Chase Bank Credit Card Loan, your payment 600 dollar a month payment would rise to 1,500!
Chase Bank is spurning their proud to pay down their debt customers in exchange for customers who want a more elitist card, a card named Sapphire. Chase Bank is spending 30 million dollars to "launch" this new card. I wonder where they got the money from?
There is actually a proviso in the Credit Card Reform Bill Act that ALLOWS CHASE BANK to raise the monthly minimum payment on their low interest rate loans, alleging it is for the good of the consumer!
Chase Bank was proud of the 9 Grief counseling centers they set up in Southern California. Ironically, the anguish Chase Bank was causing by the inflexible negotiating positions they gave to their customer service reps could have been invoking just as much pain , if not more, than their grief counseling centers could handle.
I believe Chase Bank is counting on their customers to remain speechless even as Chase Bank is able to take back a promotion they promised.

Several months ago, Oprah Winfrey garnered a lot of favorable publicity for herself and her television show by giving out four free KFC Chicken Grill Coupons to possibly millions of her viewers.

Oprah Winfrey is in a position to help MILLIONS of americans by simply taking Chase Bank on, on her own show, but as far as I know, it never happened. Shame on Oprah, for valuing free chicken coupons more than helping the victims of Chase Bank actions.

All of these photos above will probably be in the book, The Cat Who Ate Chase Bank.
The good news is, there will be EVEN MORE, at least another 20-30 equally wonderful photos, each with their own caption plus information about how Chase Bank's behavior will not be tolerated...
or forgotten!