ask the mortgage company to produce the note
Posted By: sm on 2009-02-27
In Reply to: MT Facing foreclosure question - MT
Just heard about this tactic this week. Most mortgages have been sold and resold and if you ask them to produce the original note you signed on the mortgage most of the time they can't and it will buy you some time. Do a search on it.
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i specifically refinanced my mortgage because my lender transferred my mortgage to a company
that offshores. Ironically, my NEW mortgage co. just transferred me back to the same company that offshores. I can't win.
Either produce a signed, notarized promisory note or
nm
My company dictates 2/10 to 3/10. Note no dash.nm
x
there a note on the company board from QA regarding cherrypicking and they mention "line padding&
This is a new one on me. I've heard of cherrypicking but what constitutes line padding? Isn't everybody typing what the doctor dictates? How can you possibly add extra????
I'm fed up too, but it is our job to produce
a good product, despite a horrendous dictator, poor sound quality, etc. It doesn't matter if their English were perfect, that isn't really the issue, it is the accent and unfortunately that isn't going to change.
Yes, I do. I produce so much more this way. sm
I can't keep my butt in the chair for 8 hours straight. Never could...I work better in short bursts at a time. It works great for me.
You need to try it...you won't go back to 8 hours every again.
inexpensive produce
Out here in CA, there is a Mexican supermarket, Vallarata (not sure if spelling is accurate but it is close)..Anyway, they are all over Southern CA. The produce is so inexpensive, Im amazed. Ten pounds of potatoes for $1.00, three pounds of tomatoes for $1.00, five pounds of onions for $1.00, on and on. Also lots of other stuff in the store is inexpensive. Their produce is so fresh. If you live in the Southern CA area, check out this store. I go in there and walk out with bags of produce and breads, etc., for about $10.00. I even have seen two Indian doctors I used to work for at a nearby hospital, LOL, they were buying produce too.
You don't need a mortgage if you can't eat.
x
No, if you cannot produce enough to make the money you need,
It's not the industry's fault some do not have the aptitude to make what they want.
Wouldn't take such a job. You produce those lines. The
s
That is my mortgage payment alone - sm
Our expenses for the month are about 5-6K per month.
If only, if only...Our mortgage alone is 2650.
s
Knowing what my mortgage is....sm
truly keeps me motivated....the mortgage is HUGE....*bites nails*
*lol*
mortgage shopping
Hi, this board is so helpful regarding so many different things, I thought I'd ask about my current dilema. Just sold my home in SE New Mexico, moving to Albuquerque. Obviously a site built home is the easiest one to get a mortgage for at low interest rates (I have excellent credit), but because of the cost I'm also looking at manufactured/mobile homes on their own land and in a park. This is just for me and my dog, so I don't need anything large anyway. Does anyone have any advice regarding buying a modular/mobile home as I have never owned one before? Thank you for any thoughts you might have regarding this.
Put your name on the deed, just not the mortgage
talk to a good loan officer at a bank about the difference.
I just don't see how it is possible to produce 3800+ straight typing in a day
I'm not saying you didn't. I just don't see HOW. I'm a pretty high producer myself, but I worked with a national once that didn't pay spaces and my line count dropped from 1700 lpd to 1100. How in the world do you manage 3800+ with no spaces?
FYI - I produce high quality reports because I
take the extra time to make sense of garbage that is dictated. I'm saying that I will not do it from now on. It averages about $10 to $11/hr to make "high quality." It has gotten to this point because people like you let MTSOs walk all over them because you feel it's "your job." --- Ya know what ---- Keep your job, I'm outta here ---
Why? M-TEC & Andrews produce the absolute best grads.
nm
Info from 2 different mortgage officers.sm
I wasn't implying that you COULDN'T get approved, I was saying that your score would be higher with fewer open accounts, whether or not they were being used.
For most the mortgage/rent is the most expensive.
nm
About 50K in debt not counting mortgage. nm
x
Website address is for mortgage co?nm
x
The Mortgage-Lifter Tomato
A few years ago, I heard the story behind this great garden vegetable and did order some mortgage-lifter seeds from a catalog.
In the 1960s, a gentleman developed/raised mortgage-lifter tomatoes, selling them off for $1.00 each and sold enough to pay off his $6,000 mortgage. Thus, he named them mortgage-lifters.
Granted, it's too late in the year to start this enterprise now, but selling seedlings to gardeners is one way to earn some extra money.
I live in a rural area and do plant a small vegetable garden every year. I start tomatoes from seeds, and usually end up with more plants than I need. Most people I know do purchase seedlings; they don't start out with seeds. My son and I have decided that we will sell seedlings (more than just tomatoes) next spring at a weekly yard sale in our front yard.
Mortgage-Lifter story is here:
http://www.loe.org/shows/segments.htm?programID=05-P13-00038&segmentID=8
Having trouble staying on task to produce lines?
I do. I was beginning to think I'd developed adult ADD, but I think I found the cure. It's a free download called Home Typist 4.01. This program is a small utility application which makes each keystroke sound like the strike of a typewriter key. I cannot believe how much this has helped my line count. There was something about the typewriter sound that just drove all distractions from my mind. My fingers were flying, and believe me, they haven't flown for years! This was my first full day with the program. I had my usual mix of good and bad with one really long, horrible resident who had no clue what he wanted to say (it took me an hour and a half to get through his dictation), and I still increased my count today by a little over 300 lines! I kid you not. Windows XP is not listed as a system it can be used on, but I assure you, it works quite well with XP.
MS does not produce a new operating system every year, trust me on that.
Vista was 5 years in the making, which is pretty much the norm for most reliable Software.
My mortgage payment is nearly that much. Ten year loan.
Mortgage late payment question. sm
I have 18 months left on my 30 year mortgage, roughly 4K left. If I don't pay my February 1st payment until March 2nd, is it likely they will demand the whole 4K immediately? Just broke right now. 
Can deduct portion of mortgage, utilities.Equip
x
% of mortgage, water, electric, gas, trash pick-
x
5HTP is a natural product that helps the body to produce Seratonin sm
in a natural way. The chemical SSRIs do it differently. But 5HTP is the closest thing to a natural antidepressant agent you can find.
My personal goal is when my mortgage is paid off by half - just 125K to go!
Then I will cut back to part time and let hubby carry me. :-) He makes lots more than I do now anyway.
Thanks for your note. SM
I think this problem must be specific to my particular account. I have tried all the things we were told, clearing, entering new names to try, etc. Thanks again.
Note to MQ: What would be
retired MTs in your workflow room and being TC's.>?
I am so tired of dealing with haughty people who don't have a clue
why I need something or what I do - and on top of them coping an
attitude with me because I get exasperated with their inability
to do their job which is make the work flow.
If MQ had people hired in their work flow areas who had worked inside
the world of transcription and knew where it goes in a hospital,
what to look at on the screens of the machines in the work flow rooms,
etc etc we wouldn't be getting hysterical messages all the time about
not meeting turn around times.
But no! they want to hire first-time jobbers to be in control of the lives
of people who have been in the business usually upwards of 15 years
in order to even do this MT job at home with no help or assistance -
and then make us put up with them and at the same time try to make a living.
I don't want a doctor operating me who has never been inside a hospital, and I
am sick to death of dealing with people in a transcription company
who has never been inside a hospital and followed a REPORT around.
They need to see WHY A REPORT is done - HOW IT IS DONE
They need to go to dictate stations - they need to go in a medical records
area and look at charts - go inside an OR - and into the ICU
they need to see how the world of medicine is and how it operates.
Only then will they understand TATs, reports, and why things are done as they
are or at least why people want them done a certain way.
Like if I keep getting dictations with LOUD BUZZING - i don't want to keep getting
LOUD BUZZING - I want to let the hospital know there is probably a bad phone
instrument - and if this work flow person sees where dictation is done he will
understand it wouldn't take much to MAKE THE BUZZING STOP - and not get
pissy with me because I'd like to talk to somebody about LOUD BUZZING ON
REPORTS. - It's not rocket science - just need to let somebody know.
I know this isn't a note, but
maybe this will be of some help, I'm still searching for a note.
Breast-Related Medical Terms
GLOSSARY OF MEDICAL TERMS
Areola The pigmented or darker colored area of skin surrounding the nipple of the breast.
Asymmetry A lack of proportion of shape, size and position on opposite sides of the body.
Autoimmune Disease A disease in which the body mounts an "attack," disease response to its own tissues or cell types. Normally, the body's immune mechanism is able to distinguish clearly between what is a normal substance and what is foreign. In autoimmune diseases, this system becomes defective and produces antibodies against normal parts of the body, causing tissue injury. Certain diseases such as rheumatoid arthritis and scleroderma are considered to be autoimmune diseases.
Axillary Pertaining to the armpit area.
Bilateral Pertaining to both the left and right breast.
Biopsy Removal and examination of sample tissue for diagnosis.
Breast Augmentation Enlargement of the breast by surgical implantation of a breast implant or patient's own tissue.
Breast Reconstruction Surgical restoration of natural breast contour and mass following mastectomy, trauma or injury.
Capsular Contracture Tightening of the tissue surrounding a breast implant which results in a firmer breast.
Capsulectomy Surgical removal of the entire capsule surrounding a breast implant.
Capsulotomy Closed Capsulotomy: Compression on the outside of the breast to break the capsule and relieve contracture.
Open Capsulotomy: Surgically cutting or removing part of the capsule through an incision.
Carcinoma Invasive malignant tumor.
Congenita Anomaly Abnormality existing at birth.
Connective Tissue Disease(CTD) A disease or group of diseases affecting connective tissue. The cause of these diseases is unknown. The diseases are grouped together on the basis of clinical signs, symptoms, and laboratory abnormalities.
Deflation/Rupture Refers to loss of saline from a saline-filled breast implant due to a tear or cut in the implant shell or possibly a valve leak.
Displacement Shifting in the original position.
Epidemiological Pertaining to the cause, distribution and control of disease in populations.
Extrusion A breast implant or tissue Expander being pressed out of the body.
Fibrous Tissue Tissue resembling fibers.
Hematoma A swelling or mass of blood (usually clotted) confined to an organ, tissue, or space and caused by a break in a blood vessel.
Immune Response The reaction of the body to substances that are foreign or are interpreted as being foreign.
Inframammary Below the breast.
Inframammary Fold The crease at the base of the breast and the chest wall.
Inframammary Incision A surgical incision at the inframammary fold
In-Patient Surgery Surgery performed in a hospital requiring an overnight stay
Latissimus Dorsi Two triangular muscles running from the spinal column to the shoulder.
Mammography Use of radiography (X-rays) of the breast to detect breast cancer. Recommended as a screening technique for early detection of breast cancer.
Mastectomy Surgical removal of the breast.
Subcutaneous Mastectomy: Removal of breast tissue, preserving the skin and nipple.
Partial Mastectomy: Removal of primary tumor and a wide margin of tissue, may include the overlying skin and the muscle fibrous tissue (fascia) underlying the tumor.
Total (Simple) Mastectomy: Removal of breast tissue and the nipple; sometimes accompanied by armpit (axillary) node dissection.
Modified Radical Mastectomy: Removal of breast tissue, nipple, and fascia of chest (pectoralis) muscle with axillary node dissection.
Mastopexy Plastic surgery to move sagging (ptotic) breasts into a more elevated position.
Necrosis Death of tissue. May be caused by insufficient blood supply, trauma, radiation, chemical agents or infectious disease.
Oncologist A specialist in the branch of medicine dealing with the study and treatment of tumors.
Out-Patient Surgery Surgery performed in a hospital or surgery center not requiring an overnight stay.
Mammaplasty Plastic surgery of the breast.
Mammary Pertaining to the breast.
Palpate/Palpability To feel with the hand.
Pectoralis The major muscle of the chest.
Plastic Surgery Surgery intended to improve, restore, repair, or reconstruct portions of the body following trauma, injury or illness.
Prosthesis An artificial device used to replace or represent a body part.
Ptosis Sagging of the breast usually due to normal aging, pregnancy or weight loss.
Rectus Abdominus Major abdominal (stomach) muscle.
Saline A solution of sodium chloride (salt) and water.
Seroma Localized collection of serum, the watery portion of blood, that resembles a tumor.
Serratus Muscle located beneath the chest's pectoralis major and minor muscles and the rib cage.
Silicone Elastomer A type of silicone that has elastic properties similar to rubber.
Subglandular Placement Placement of the breast implant behind the skin and mammary gland, but on top of the chest (pectoralis) muscle. Also called prepectoral or retromammary placement.
Submuscular Placement Placement of the breast implant under the chest (pectoralis) muscle, or under the pectoralis and serratus muscles. Also called retropectoral or subpectoral placement.
Surgical Incision Cut made in tissue for surgical purposes.
Transaxillary Incision Incision across the long axis of the armpit (axilla).
Umbilical Relating to the navel.
Unilateral Affecting only left or right breast.
Anyway, sorry, on a more serious note...
as regards your problem: Do you have Ad-Aware and SpyBot and have you run those? If you have run those and are still not finding anything, you might want to try a trial of this program I just downloaded myself and seems to have gotten rid of this darned WinFix (Virtumond?) pop-up problem I've been having recently that my Ad-Aware and Spybot couldn't seem to take care of. Dang, I might actually buy this one! But anyway, you can use it for 2 weeks, I think it is, for free (see link below).
Just a note: There are two MTs that I will not SM
use to this day - 15 years down the road - because they did this. They will never get a recommendation from me and they will never sub for me.
You leave a long trail when you do something like this.
on another note
I know a lot of people believe as you do, but in my family I have seen lots of evidence to contradict this theory.
I don't condemn anyone who overdrinks, but I think we spend too much time in our culture blaming genetics and other people - mostly our parents - for our own poor choices and bad behaviors.
Bottom line is, the alcohol does not force itself into anyone's mouth and neither do the drugs. To me, drugs include not just the street drugs, but the legally obtained prescription drugs that so many people rely on to get them through the day (do not flame me about arthritis meds, etc. taken for legitimate conditions).
P.S. and it's an OP note!
nm
On that same note...
I wonder if any of you report errors you notice in other reports to the QA at your office. I have seen some doozies, but I admit I have been remiss. I just wanted to know what the rest of you do, even if the report is old.
sorry -- BAD day. (no note)
.
NOTE,,,,,,,,,,,,,,,nm
nm
perhaps you could drop your TC a note...sm
just to say hi, and welcome. She/he has many, many more people to get in touch with than you do, so why not make the first move? I'm not at all trying to be ugly, please don't take it that way, it's just, why not just send a message saying hi, and introducing yourself? Just a thought! Good luck with whatever you choose to do!!! 
perhaps you could drop your TC a note...
I guess you mean Transcription Coordinator -- what I called my new supervisor. I hear you, but I really don't see that as my responsiblity. MQ is so chaotic, I always get the impression they'd greatly prefer not to be bothered. I'm kinda way past that point with that. Thanks for the welcome anyhow.
perhaps you could drop your TC a note...
I think you've misunderstood me. I agree completely with your most recent post, i.e. being left alone to do my job. Absolutely. I just don't think a courtesy note from a new supervisor is too much to ask. That's not breathing down my neck; IMO, that's courtesy, i.e. Here I am, I'm your new supervisor, here's how things may or may not change, just wanted to say hi and make proper notation of the fact that a change has taken place. WHATEVER.
perhaps you could drop your TC a note...
Okay, now you're making me mad. You don't know me, and you have no right to lump me into a goup with "(my) fellow nut-case MTs" ...and you have the gall to say "nothing personal"? Freakish behavior? Talk about the pot calling the kettle black! Wow, I came on here looking for some support, and now I'm a freak and a nut case. No thanks! See y'all around!!!
perhaps you could drop your TC a note...
Read your phrase: "your fellow nut-case MTs." It does not say "your fellow MTs, some of whom are nut cases."
Read your phrase: "freakish behavior en masse." It does not say "the freakish behavior of some MTs."
Both of these groupings include me. You are guilty of bad syntax and just plain rudeness. I consider these equally offensive. I most certainly did not fly off of any handle, nor did I (until now) TAKE TO WRITING IN CAPITAL LETTERS TO EXPRESS MY OPPOSITION TO YOUR POINT OF VIEW when a little careful wording would've rendered that unnecessary. I proved you point? You sure proved mine. GOODBYE.
Note for Souzam
Sorry to change the subject, but did you even test for KP? If you have any more questions e-mail me at lilygirl54@adelphia.net.
AN OPEN NOTE TO MTS
1-Do not wonder WHY work is being sent overseas when in screening applications 20 of 25 resumes are full of errors, typos and people applying that do not come NEAR to fitting the job requirements.
2-Do not wonder WHY work is being sent overseas when you are hired to work hours YOU REQUESTED and then you do not even bother to start work, call, email, just nothing.
3-Do not wonder WHY work is being sent overseas when you are tested and screened only to find out that several "friends of friends" circulated the test around and while you do wonderfully on the test, now in the real situation, you can not figure out the difference between discrete and discreet.
4-Do not wonder WHY you were given less and less work, but take a look at the quality of work you produced...full of blanks, not formatted to specifications in the manual sent, skipped reports. When Q*A has to redo 90% of your work, it is easier to quietly phase you out than to continue to "train" a supposedly seasoned MT
5-Do not wonder WHY you were taken off an account, but look at the feedback you were given regarding the continued mistakes with spelling (you do not use the spellcheck as too time consuming - your words), continued mistakes with doctors signatures, names, formats, phrases. Your position is to "pound out lines" and not worry about the quality.
6-Do not wonder WHY no one will hire you...after all, MTSOs communicate with each other too and the same names just seem to cycle through
7-Do not wonder WHY companies look overseas for workers...because at least THEY want to work. They are not taking days off at a time with no notice...leaving a company and client in the lurch.
8-Do not wonder WHY your resume was not answered...you applied before, were tested before and never bothered to answer emails regarding hiring...never bothered to start on your start date...resumes are kept and note made of why someone that seemed very qualified was not hired.
9-Do not wonder WHY you were not hired...remember me? I am the one that tested you, screened you, then talked to you for quite some time on the phone interviewing you. Remember me? I am the one you "sold" yourself to as far as being ethical, good worker, etc., only to find out that you received the hiring package, then contacted the client directly and suddenly, you did not want the job and then I see you are working FOR THEM....
10-Do not wonder WHY you were not hired after taking the test...take a look at the test results and the responses back you made like "that is how I have always done it" and I do not think you are correct because that is not how I was told or trained to do it.
11-Do not wonder WHY you were quietly let go...check your invoices and the inflated lines and/or hours on there? The system SHOWS the reports you ran, lines you did, but you continue to add report numbers not done by you and lines not done by you. AND for bonus hours...you continue to add bonuses that were not earned.
12-Do not wonder WHY I cringe when it comes time to hire again..I cringe because of every MT out there that shows NO RESPECT to a potential employer now or down the road by ignoring remails.....receiving a test, but never taking it...getting a test graded and offered position but never responds back....going through entire hiring process with access codes, start dates and times but then NEVER even starts...or the ones that we PAY a computer guy to get set up and they never start working...or we send software and equipment to and then never get it back or have a legal fight to get it back.
There are two sides to ever story, this I know, but as an MTSO the above are simply a FEW of the hundreds of things experienced in trying to hire just ONE good MT....
Thank you so much for such an encouraging note!
I am going through a separation from my husband. He thinks a sacrifice is giving up going to the local bar when he gets of work, giving up his drunk he has on a daily basis, and just all in all growing up and taking on responsibilities.
I have been so down and depressed lately that I have to FORCE myself to work.
Thank you for being the angel on my shoulder today!
On another note, it is proven that
addictions are hereditary also. I am not saying everyone who has alcoholism in their family will be alcoholics, but you are more likely to suffer from addiction than someone who does not have a family history.
Geez!! Take a note of the pay.
http://seattle.craigslist.org/hea/122382546.html
Isn't being a medical Transcriptionist being an interpreter. Seems like our pay ought to be commensurate, don't you think?
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