I'm Being Threatened Again

[Farm Gal]

Jo Anne:

Thank you for making that point... I had intended to do so but then the phone rang and... {sigh}

the end of my post was intended to re-iterate the advice Yoda gave to Luke: "Trust your instincts!"

If the guy FEELS nuts then it is an entirely different ballgame.

It isn't worth your safety. MOST of the time it is however a matter of communication, given the language barrier that confusion MIGHT be a soluable problem... the guys is all wet.

I like the 'sign on the dotted line' on COD's... it eliminates confusion. :idea: and can be translated word for word :twisted:

 

[Pat Butler]

I got a set of business cards printed with my PO Box on it. You could put the PO Box on your reports too. Even if you put your street address on the report, the borrower might not get a copy of the report. Sometimes they complain without seeing the report and they'll call you from your business card.

 

[Will43]

I just noticed my home address is on my license that I include with each report. Would it be ok to use a PO box on your license? I never felt comfortable having my home address on anything.

 

[Chris Colston]

Originally posted by will miller@Oct 1 2003, 11:53 AM
If you use a PO Box, what address do you give on the appraisal report?

The P.O. Box goes on the appraisal report, too. That's where the payments get sent that aren't COD. I don't want my checks sitting in the box outside of my house. Too much opportunity for the mail to be missing outside of the house. P.O. Box is safer.

 

[David Mullen]

Pam

You may get much action by submitting this to FHA. They do not seem to want to rock the boat or get involved in problems.

I have tried sending such things to them in the past and basically, nothing happens. They claim that they don't have the staff to investigate and that may be true.

The last one went to the State after HUD's fee reviewer (from 100 miles away in Southern California) found no problems with the appraisal.

When the State got it and called to discuss it, one of their comments to me was "where does HUD find these reviewers"? They were concerned about his geographic competence and overall competence.

In that case, the "appraiser" had ignored 5 recent model matches (all closed within the previous 3 weeks to 3 months) and went a half mile outside the project for 6 month old "comps" so that the "value" could be inflated $20,000. The "comps" he used were all larger, had more bathrooms, garages instead of carports, etc.

The "reviewer" had all of the data contained in the complaint to the state including MLS printouts, public record printouts, etc for each of the model matches. He had called me and asked me to run data since he was from out of the area and had no data for our county. I sent him all of the data that was included in my complaint to the state.

When I asked why he accepted the review, he said that he "had to accept it".

In short, you may want to try other avenues to see that something happens. You may have to send this to HUD's Central Office or even better, talk to Bill Sentner at the Appraisers Guild. He may be able to see that it goes to someone who will do something with it.

It's too bad that HUD can't get serious about quality but don't put much faith in them taking any action.

 

[Ed Woodruff SRA]

Pam,

Unless I read incorrectly, it sounds to me like the borrower wants to use another lender, and have a new apprasial done. If the new transaction is to be FHA, and you have already turned in a report after being assigned a case number, another appraisal cannot be ordered. Yours is the only appraisal that can be used. You don't have to do a "re-type", transfer or anything else. As far as refunding the money, stand your ground - don't give him a dime. You did your job, don't let him (or her) intimidate you.

 

[Tim Hicks (Texas)]

Why should the appraiser refund anything, when it is a property issue not an appraisal issue? The appraiser did their job and should get paid.


Sometimes people ar just not that smart and don't realize their reaction to a situation is actually the wrong reaction and sometimes unlawful. This home owner could have bad advise or be jsut plain dumb. I believe we should always attempt to educate someone to help them correct their uneducated reaction. Sometimes people will respond to reason, sometimes they need a nice whack across the nose with truth. Some people will listen to nothing, but until you try the easy way, how do you know the hard way is necessary?

 

[Richard Carlsen]

Educate the HO? Talk it over? Get him/her to understand your position? Send it to HUD?

Boys and girls, either you did not read Pam's post right or I did not read it right.

What we have here is a THREAT, plain and simple. You don't go to a bureaucrat or a guild president or a Sunday school teacher. You take all threats seriously and report it to the police and the prosecutor immediately. You protect yourself the best way you can and as fast as you can. Let the HO remain ignorant of the appraisal process for the rest of his days. Just keep him/her away from you and up front and personal with the authorities.

This is not an educational charity event. It has to be considered a serious occurrence .....until it is proven otherwise!

 

[Will43]

It is a USPAP violation to return the fee. An USPAP instructor mentioned to our class that an appraiser he knew lost his license for refunding the money after the appraisal was completed. In this case, a complaint was filed with the state. The state thought the appraisal was fine. However, since the appraiser refunded the money, his license was suspended. Never do any work for free. Anyone I have every felt sorry for caused me problems. We are not charities or volunteers. Do they work for free?

 

[Bob Ipock]

It is a USPAP violation to return the fee.

This is NOT TRUE! Please get out your USPAP book and show us all where it says anything at all about this.

Don't EVER take an instructor's word as Gospel. Look stuff up and read it for yourself before you keep myths like this going.