Family mistakenly locked out of home even though mortgage payments current

A Hamilton County family is taking legal action after they were locked out of their Carmel townhouse.

[@2011blueman]

Two months? I'm just calling a locksmith and getting back into my house that same day. If the locksmith won't do it, then I'm just going to home depot and doing it myself. None of this two month bullshit.

[@godmadesam]

Leggo My Ego right!

[@jeffreysmall8902]

Leggo My Ego I would not wait thst long just get some lock cutters I would sue the hell out of them

[@GoalHornGeek]

Ikr. I’d cut it off and then file a lawsuit. It’s completely illegal the way they did this. They can’t even lock it up without at least one notice

[@lq7777]

No need for a locksmith...for what appears to be a 4 digit combination lock. I remember my parents giving me locks they forgot the combos for as a kid. Its not hard to try every possible combination on a 3/4 digit lock. It just takes a little time.

[@lomeygoat]

I'm a locksmith, no bastard is locking me out of my home because they made a clerical error...

[@fgfg633]

It's amazing that the banks can do this, but a squatter can break into your home and you have to go through a lengthy legal process to get them out!

[@minuteman2012]

TeacherTeacher if a squatter was in my house id shoot them and bury them in the woods....

[@mentilly_all]

If they're not invited, you don't have to go thru any legal process.. physically kick them out.

[@kevinlemus9139]

Use your squatting rights in this situation...

[@rivermcratt3683]

A short barrel shotgun ain't a lengthy process.

[@philobetto5106]

​@@rivermcratt3683 nor a long barrel shotgun, no need to ruin a good shotgun barrel over politically correct terminology

[@thegmack1019]

When they mess up like this not only should they give the property back but they should also be required to clear any debt owed to them, I guarantee that you will be seeing a lot less of these "accidental foreclosures"

[@420mralucard]

Clear up any debt, and repay any previous payments, and not from the workers, the CEO's and the shareholders.

[@daemonisedone4256]

that is a good idea it would also get rid of the dodgy predatory lenders.

[@kevinlemus9139]

You can sue for emotional distress

[@thegmack1019]

@@420mralucard I guarantee you the problem would stop overnight if that happened

[@kelvinjohnson4]

Isn’t it crazy how mortgage rates continue to rise with higher imports and declining exports? meanwhile the FED is yet to lessen cost. Something will eventually break if they keep raising interest rates and quantitative tightening

[@williamsbrown4026]

indeed the mkt & economy has gone berserk, price of great assets like real estate, dividend paying stocks, or gold never comes down easily, in my humble opinion, buy what you can afford today, and working with a financial advisor certainly helps

[@KelvinWallace]

Right, since 2020 amid rona-outbreak, I've avoided the drawbacks of trial and error simply by FA assistance. I'm semi-red now, and only work 7.5 hours weekly, with over $600k pulled off after subsequent investments to date.

[@LionTowercoporation]

@@KelvinWallace huge gains! most finance youtubers said the housing market would be fine few months back, but its been a major downturn... mind if I look up the advisor guiding you please? in dire need of portfolio allocation

[@KelvinWallace]

have my portfolio overseen by a US-based wealth advisor ''Colleen Janie Towe'' she's well established, and shows quite a great deal of expertise, you'd most likely find her basic info on the internet.

[@LionTowercoporation]

@@KelvinWallace Thank you for the assistance. My finances have been in disarray, and I have experienced multiple losses in my 401k, IRA, and mutual funds. I hope that Janie can provide me with the guidance needed to rectify the situation before it reaches a critical point. i will check her up online

[@ianbattles7290]

If I had all the paperwork to prove my payments were up-to-date, I'd break into my own home if the locks were changed.

[@MichaelClark-uw7ex]

The mortgage holder lied, they do not have the right to even come on your property if you are not in default. They need to be charged with breaking and entering plus burglary, that will end this crap real quick. And never pay in advance unless you have written statement that they are taking it off the next due date, most lenders will screw you by taking advance payments off the end of the loan or applying it to the principle so you still have to make the next month payment.

[@dustintunis9347]

Michael Clark - You should want extra payments to come off the principal, that way you save money by paying less interest.

[@georgegreene9418]

You both are right, because some people have to travel a lot with work, and sometimes they pay up a few months in advance, so always make sure they are paying it towards the payment.

[@punker4Real]

Michael Clark. its residential burglary. that can get you shot on the spot

[@solidmoon8266]

This issues can be resolved in about 5 minutes with a grinder. If you have proof that your home payments are up to date, dont let anythint or anyone try to bar you from entering your home.

[@TheFrio937]

Even if behind and forclosing eviction notice required in all 50 states as keeping owners from contents of the home is a crime.

[@daemonisedone4256]

@@TheFrio937 yeah true but they tend to throw out said items as well.

[@migratedmoss086]

I reckon it could be solved in about 10 seconds with boltcutters

[@harleylif1929]

There should be a law that if the lender does this and is found to be wrong the loan is settled and the home is free to the borrower.

[@PhrontDoor]

Judges say to cut the lock off, immediately get into the house, THEN contact your mortgage company (servicer)... For example Housing Court Judge Patrick M. Carney -- explicitly informed people that find a lock on their door to do precisely that.

[@gyneve]

Do you know where this applies?

[@spritemon98]

I'm gonna do that

[@bokvarv1926]

make it a law that when banks ( etc) does this the morgage is no longer valid for the bank, as in it gets paid by the bank.....tht will stop it

[@martingainty9623]

Funny how big corporations make gigantic mistakes which negatively impact their customers and in the end NEVER confess to their mistake Glad to hear about the happy ending!

[@DozensOfViewers]

I’m pretty sure it’s illegal to change someone’s locks without getting a court order of eviction.

[@rockinfaceplant0000]

i honestly would have kicked the door in reconnected the utilities myself and made the bastards pay for it ..and if anyone tried to remove me ,people would have been shot ,,it would have been the right thing to do actually ....

[@Wolfman9999WWE]

It’s been 6 years since this posted in 2013. It is 2019 now. Has there been any updates posted on this story?

[@stephaniejames4940]

First time see this and it's May 2024. I wonder what happened?

[@albertmcmichael9110]

That bank would be paying off the mortgage and funding my retirement!

[@seancallaghan533]

Asks not to use last name but uses address

[@eshuorishas9987]

Squirtle thank you I was gonna say the same thing! Reminds me of that old Simpsons episode: “Let’s not use her name, Lisa S. Well that’s too obviously how about L. Simpson.”

[@jenniferneal9729]

Well...his name may be linked to a business and he doesn't want to bring his professional life into a personal matter!!! Geez???? That's a tough one to figure out!

[@eshuorishas9987]

jennifer neal I think you’re missing the point. We are saying they already gave enough information already so the withholding of his address was pointless.

[@jenniferneal9729]

The last name was asked to be withheld...not the address. Re read the first comment " asks not to use his last name but uses address?" Am I the only one who understands the comment? Like it makes no since for him to want his name with held?

[@eshuorishas9987]

jennifer neal yes I had remembered it backward (I commented 4 weeks ago)... so what’s your point? It appears you agree with all of our comments minus my error.

[@TheRetirednavy92]

I call my son-in-law and he is a lockpick. Then I would find out who claimed I was not paying and beat his face.

[@chrislemaster2695]

this is our wonderful educational system at work

[@user-ve9sd4hc2t]

Don't blame the janitors for this mess, we retrieved and saved stuff that accidentally got tossed into the trash. The amount of bankers and their underlings scrambling to get in order that I saw was scary.

[@ridermak4111]

Everyone needs to leave banks and join credit unions. I’m glad I did.

[@patmcbride9853]

No one keeps me out of my house by changing the locks. And they better not try it a second time.

[@fhuber7507]

In Texas in case of a lock-out for non-payment the landlord/manager has to post a notice with a phone number and has to LET THEM IN within 4 hr of being called. Its essentially a tool to be used to ensure the landlord/manager can face to face confront the person who didn't pay, for discussion of what will be done about overdue payments and future payments. You have to do one lock-out before commencing eviction proceedings which can take 3 months to a year (while the scumbag renters don't pay at all and they trash the place, rip out all the plumbing and wires to sell for scrap and take up the floors, destroy all the sheet rock and fill the building with feces and hazmat) You couldn't get me to be a landlord again. Renters are scum.

[@travelsonic]

So... you have had to deal with scumbag renters, therefore you can ignore what actually happened in the video (and miss that just because something is la somewhere doesn't mean it is the same everywhere, nor does it mean unscrupulous people who rent out exist)/? Wonderful logic. /s

[@califdad4]

this is Ohio

[@uploaded113redone]

3:50 "The Lawsuit has filed a Lawsuit" that pretty impressive

[@aprilmudge3432]

ManSpider - mainstream media at it's finest! Surprised the editor didn't catch it... lol

[@daemonisedone4256]

lawsuits are now becoming sentient.

[@pammyla66]

This is because we don't really own anything

[@majstealth]

well, living from money that is not yours, is neither socialism, nor communism, it´s called capitalism.

[@petericyou856]

Incompetence

[@kellyrayburn4093]

I don't blame Safeguard Properties; they're just a contractor. I blame Green Tree Financial. And they are now on my list of financial institutions not to do business with.

[@koolklif]

lol not gonna be able to keep me out of my house..or any house i really want to get into

[@fhuber7507]

We can with a shotgun.

[@donna30044]

The courts should award free title tot the house to the owners and make the mortgage company pay all costs, including expenses the family incurred while locked out.

[@alecedgeworth2814]

Kick in the door and send the repair bill to Safeguard and Greentree financial

[@sofly_gemini]

God Bless you! ❤ 🙏

[@pacmanindy]

That is bizarre!!! I have never been through this experience.

[@markmyjak7739]

I would be cutting the locks off and turning on the utilities. You can counter sue these people.

[@timbeatty11]

Just cut the lock. Its not hard. It can take months to remove a squatter it should take longer to remove a real resident .

[@markdenenberg9110]

Kick the door in and change the locks.

[@douglasquaid4518]

Call a locksmith and say i lost my keys, Show your ID that proves you live there , be calm, friendly and see if it works

[@TampaJohn]

“How is this possible?” “I dunno”.

[@rickershomesteadahobbyfarm3291]

If I was on time with all my payments and they did this to me I’d kick the door in.

[@zr71offroad20]

I’d break into the house. It’s still freaking mine.

[@robertbennett2796]

All debt should be waived due to this mistake

[@stephengreen3566]

Chase Bank called me, two years after I sold my house, to tell me they were going to foreclose on me. I laughed and told them to go ahead as I don't own the house anymore. The person that called me was confused and didn't understand what I was telling them. I told them that I sold the house to a couple that wrote a check for the house and they did not have a mortgage with them or any other bank. I told them to go ahead and try to foreclose on it as I needed a good payout in court when they lose.

[@rebelhawk4206]

I live in Northern Alabama and I found out shortly after i moved here that if you have an outstanding bill that you avoiding to pay the company can send cops to try an make you cough up the money or they will dock your paycheck till it's paid off.

[@randomlyentertaining8287]

Bolt cutters are your friend.

[@maciejorzechowski6497]

we are tax payers need change law when after wrong foreclousure bank ceo must do public work and jail time witout parole min 60days

[@axidhaus]

If you’re bad at mathematics….. Kamala 2024

[@celestialtl]

Why not sue?

[@TampaJohn]

3:50 “The lawsuit has filed a lawsuit”.

[@jfm562]

Don't use his name but list his address?

[@martindebrois1472]

Crazy ... 😧

[@kyleongesii2601]

Same thing happened to me after i came back from war, they changed my lock so i kicked the door till i broke it, very next morning i went to the office we had about an hour of discussion till they saw i was up to date on my payment. They apologize and came chanhe the door up. They avoided me suing them

[@keithfreitas2983]

You should have sued to payoff your mortgage.

[@lukesmith5845]

It gives his address and his last name...I think he should consider moving house and taking legal action against the dumb TV company too. :P

[@CelesteKTheNewWaveRevue]

Is there an update to this story? Did Michael get his house back?

[@KC4JTA]

this is why people need to carry guns

[@Thatguy101987]

Not if they're locked in your home.

[@Dan-uo6vi]

why a gun? this is a crowbar job...

[@sarahann530]

Cuffs He watches too much TV and thinks shooting the hinges off is cool .

[@kellyrayburn4093]

I agree. This is a matter for a crowbar. And I would have busted that lock off my door in short order and then called the police so they could return the lock to the owner. All the while having the paperwork in my hands showing I was not in default on my loan.

[@kellyrayburn4093]

Michael Cucco You don't shoot someone over something like this. Unless they invade your home while you are there and fail to identify themselves. You break the lock illegally placed upon your property to gain access then call the police so they can return the lock to its rightful owner; all the while having paperwork in hand that shows you are not in default.

[@getoffyourbassandletsfish7651]

Paid up till 2033 that's paid up for 16 years ahead!!!!

[@Elliandr]

they probably misspoke, but if that is what happened it could probably have caused this mess. I actually paid my mortgage up through the end of next year, but the bank manually adjust those dates down to 3 months. It just takes them a while. So I would actually receive receipts from the bank telling me that my next due date isnt until the end of next year, but then suddenly my due date will change to 3 months from when I made the payment since that's their policy. Incidentally though, technically, I shouldn't be responsible for the mistakes of their system. I don't push it though because I know that it would be a headache to deal with regardless. with most banks they don't have those types of quarks. If you pay ahead for a number of years it gets recorded as a principal only payment. The size of your payments don't change, but the interest you ultimately pay significantly goes down and this results in the loan being paid off sooner. If a consumer confuses a principal only payment with paying ahead this can result in a foreclosure.

[@MichaelClark-uw7ex]

No, that is due date for the loan.

[@keithfreitas2983]

So you paid off your loan or you made 16 years of regular payments which is stupid?

[@harvey2207]

Unfortunately they can't do whatever they want this was illegal and the locks should have never been changed.

[@pjaypender1009]

The mortgage company is wrong. They can't change the locks. Period. These people were paid up, but they cannot do it even if you are in arrears. The only way they can change the locks is if the property is abandoned by you.

[@spritemon98]

Yeah these people should go to jail

[@archerbob6847]

I'd be suing for theft, they took all your belongings unlawfully in my opinion

[@jpalmer999]

did anyone else hear that at the end? "The lawsuit has filed a lawsuit?"

[@daemon.mythos]

Doesn't use his last name....but gives the home address.....WTH???

[@MaN-pw1bn]

It's amazing how a bank can hire a lock company to lock someone out of their home, but you can hire someone to get squatters out. Why is that?

[@igotajopamerica3040]

I'd be in my home in 5 minutes.

[@Zeakthecat]

while i get it, people are frustrated at the incompetence of the lenders, but to say you need a gun and shoot first ask questions later is pretty much making people think you have the qualifications for being a immoral cop. if you want to get ahold of a banks ass, simply hire a lawyer, and have said lawyer come out if you see the foreclosure people walk up. try and get it settled in court and also to never take out a loan for anything period.

[@theresahall6197]

Transwarp Media while you're fighting with the bank and they will cut corners you can't live at home. And the courts take forever.

[@ReaverLordTonus]

I would have filed charges for Breaking and Entering because they had to forcefully break open the old lock and gained entry to the home without the consent of the owner.

[@zelmerashley6354]

Corrupt mortgage criminal who check out houses that pay off to steal home, these criminal all over Florida, also they break into home taken property. Law protect these criminals.

[@aidenalamo6262]

If I had this happen to me or to my mum, no attorney would take the case without a retainer of several thousand dollars. That is why it is a big risk to buy a house this day and age in this country because of this and deed/title thieves. You can't get a break. I have been a victim of it three times and it wasn't because I wasn't behind on my payments. Couldn't get an attorney and kept losing in court as a result. The last one, we are still fighting pro se the alleged new owners of the park.

[@jackofalldenton4347]

I’m still stuck on my personal belongings being put outside.

[@DarkWolf-et3dx]

This is why I REFUSE to buy a house. I would rather rent.

[@calex2892]

i would have broke that lock and go in my home because he had a mortgage and didn't break the contract.

[@alyashamelendez-morel1339]

To Safeguard Properties: THE OWNER OF THE TOWNHOME IS LOCKED OUT OF IT! YOU SHOULD BE ASHAMED OF YOURSELVES! NEVER DO ANY BUSINESS WITH ANY COMPANY WHO FORECLOSES ON THE WRONG HOMES!

[@evannafleishman7514]

Squatters have more rights than actual property owners. Grrrr

[@fatboy48075]

They haven’t fuck with the wrong person yet

[@rosemaryjones5550]

Why is this happening over and over again

[@dknowles60]

why is the People who work for the bank the ones in Charge not in Jail. the people were locked out of the house with out a court order

[@AppEal-y6y]

I would skip the expensive lock smith & just drill out the lock & put in a new lock cylinder, few minute job!!!

[@kevinvarney243]

You think that the States in which these lending companies or mortgage companies large foreclosing on people that are up to date on their mortgages or rent which step in and suspend there right to operate in those States. Depending all legal litigations against those lending companies and mortgage companies

[@jessicaradway3027]

I don't know the laws in the other states..but Oregon requires landlords to hold- and release upon request-anything left behind for 6 full months! Why are these guys able to load everything into dumpsters and destroy? I think the law needs to be addressed!!

[@cg8623]

Gonna get paid... Sue the fuck out of them

[@ij2750]

There is an easy solution to these types of problems and that is take away the right of mortgage companies and financial institutions to break into and take people's property without court orders and police present.

[@jonwinter8618]

This is why our 2nd amendment is important.

[@beth-rg8bm]

Sounds like they found a way to rip off all of the owner's possessions using the law!

[@beth-rg8bm]

She said they threw out her antique...BULLSHIT... Bet if you searched her house and storage and you will find them!

[@FrankC71]

These are the Banks That We Bailed Out

[@mayataylor5743]

Wish it was this easy to get a squatter out of your house .

[@NYRM1974]

Breech of contract and failure to properly notify property owner. Royal mistake.......

[@MR-intel]

Why does it not require a court order, after all parties involved could make their case, before people can be locked out of their home? Only in dictatorships, third world countries and in the USA do such procedures not exist.

[@Milesco]

I believe it _does_ require a court order, hence the litigation. :-)

[@gidzmobug2323]

What was the outcome of this?

[@marylamb6063]

$63 million settlement agreed upon with the Federal Trade Commission, the latter which filed suit. There are more details than just the payment.

[@nelly870909]

Break in. You are current on the loans and everything, they are the criminals here. File the lawsuit against them for trespassing or whatnot. Scary shit right there.

[@megs905]

How about free legal help

[@casey4602]

Second video of Safe Guard illegally seizing homes

[@beth-rg8bm]

Only in America do you get ripped off FOR PAYING YOUR BILLS ON TIME!

[@lawrencekokjr.1376]

Greentree. The most inept, corrupt and arrogant of all the mortgage giants. Greentree is the commode of mortgage companies.

[@dbabies82]

don't use his last name, but broadcasted his house address?? ok.

[@daemonisedone4256]

its genius he can get a break and enter specialist to help him get in...

[@peterrivney552]

Totally criminal and they won't comment becouse they know that they are in the wrong sue the crap from them emotional damages time involved who knows what was damaged with power off or Furnace not working ( sump pump flooding basement etc.). Mim. 10 million but go for 100. Million!! Some things are priceless and can't be replaced and they destroyed them not you then they are liable for the damage...

[@danielwalker8503]

why does the authorities allow people so incompetent run a business the should be arrested the bank should be closed and hold bank official 100% responsable

[@Beetlesiri]

That lock looks like it got picked.

[@davejohnson5847]

No. It looks like normal usage, Lock picks are finer tools compared to a key and are inserted more carefully leaving small, if any, marks outside the lock.

[@Ricardosucio]

If I have receipts, I’m kicking in the door. Don’t like it? Tough shit.

[@CourtneyW-jr6fx]

My eastwood home you mean ....

just remember if you think you own anything you are in for A fall (D)Douchebags - R - Us

[@codybrucewilliams]

accidents happen

[@michaelshepard3796]

Most of them are just freaking leeches. Especially the collections company.