We have heard from distressed homeowners who, after having the Notice of Default letters taped to their door, (pre-foreclosure) had unannounced individuals arriving at their door with cameras claiming to be the appraiser sent by 'their bank'.
These people are imposters.
They are getting names off the county bulletin boards of homes in arrears pending foreclosure proceedings. It is apparent some foreclosure buyers use this tactic to gain entry and qualify homes prior to auction. One homeowner just called to say a person arrived with a camera, without a business card, asking for information (she didn't give out) about her loan, her property, etc. They didn't know the name of the Bank or Trustee and asked how much was owed and other private information. She had the presence of mind to tell them to leave and call her trustee.
Unfortunately a skilled impostor would have a lot of this information. They may even have fake cards made up. Really no one should just show up wanting access without having called first so you can check them out and schedule a time that suits you.
If someone arrives claiming to be an appraiser:
- Ask who sent them
- Offer NO information whatsoever.
- Ask for a card. If no card, have them write down their name, phone number and sign it.
- If you have a cell phone with a camera, take their picture.
- Take down their vehicle license plate number, or photograph with your camera cell phone
- If they park in a position where you cannot see the vehicle this is a tip-off.
- Ask which bank they are representing (or the Trustee).
- DO NOT LET THEM IN unless they provide correct information and you feel comfortable with them.
- BETTER: Tell them they must make an appointment at your convenience'
- Then call your Trustee and ask if they sent an appraiser and explain what happened
To misrepresent oneself and demand entry is criminal trespass not to mention a breach of privacy and common courtesy. If an appraiser cannot properly identify themselves and asks for information (they should have on their person) they should not be allowed to enter your property. Period. A legitimate appraiser would call first and make an appointment.
NOTE: One homeowner's 12 year old daughter was at home alone when a man arrived at the door and demanded entry. Then he went through the house taking pictures. Imagine the outrage of her parents to realize this was probably a local investor posing as a bank appraiser. Imagine if that child had been harmed or there was any question of improper behavior by the intruder.
Express your concerns and support to your congress persons http://www.congress.org
For more information on your consomer rights, check out the WA State Attorney General's site: http://www.atg.wa.gov or call your state attorney general.© 2010 susan templeton
Stay safe and sane!
Stay safe and sane!
Susan Templeton is not a loan modification advocate