Can the bank do this?

[richleaves]

What is the name of your state? ohio

Ok so I'm in forclosure, I'm just past the 28 days to answer the summons. I went and got an apartment 2 months ago and have been living there off and on (mainly because it would be hard to get an apartment when they forclose on my house). Anyway I didn't move that much out of the house and I let the electric elapse so the electric company shut it off. But still off and on I stayed at the house. Well anyways I go to the house and find out someone came in changed the front door locks and shut off the water and winterized the house. I still was able to get in and get a couple things because they left the sliding door unlocked. Can the Bank Do This?? I haven't had any conversations with the bank, they don't have my phone number. I also have a second mortgage and I sign something that says they can inspect the house. So not sure which one did it.

I also read that I have up until the day of the action to reinstate my mortgage. Is that true? I understand that includes court costs and lawyer fees, but can I do that?

[danno6925]

If you still have access to the house, why not just change the locks on them? When they demand to know what's going on, tell them you still own the home, and that anyone found on the premises will be regarded as an intruder and dealt with accordingly.

Post a sign on the front door:
Trespassers shot.
Survivors shot again and/or prosecuted depending on owner's mood.

Might not keep them from coming back, but it will definitely make them think twice about entering a home that still belongs to you, if only on paper.

[Zigner]

You should consider yourself lucky - they protected THEIR interest by preparing the house for winter. It sounds like you are in no position to do that.

[richleaves]

I would have just assumed that they would have given me written notice that they were going to enter the house. They didn't have any problems with sending me the summons and the late notices.

Its just kinda freaky having someone go through your home.

[LindaP777]

Originally Posted by richleaves

Its just kinda freaky having someone go through your home.

I'm sure the bank thinks it's a little freaky of people who promise to make the payments and take care of the house, then just turn and walk away from the whole deal. I'm sure the electric company feels a little put out, too. Come to think of it, you probably have a long line of folks who feel a little freaky that they provided a much needed service to you in your time of need and you left them holding the bag.

[richleaves]

Actually Lady I paid my electric bill, I just told them not to reconnect the service.

As for my mortgage, I haven't given up working something out. But thanks for no advice mrs. FREAKY

[seniorjudge]

Q: Can the Bank Do This?

A: Yes.

[Bigfoot]

When you received the summons, it was an eviction notice with a certain number of days in which to vacate before the locks would be changed.

It's regrettable that this has happened to you, however the bank is within their rights.

[richleaves]

The summons has nothing to do with an eviction. The court has to order the eviction and that doesn't happen until the sheriffs sale. Atleast in Ohio.

The bank must have assumed the house was abandoned and secured it. Owe well.

[danno6925]

Owe well.

yup, ya "owe well" more than you can probably pay at this point.