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But, odds are that the fobbed off the original loan, or it was fobbed off long before Citi came in. As a person with a record of decades of good payment, his was probably sold with packages of trash loans to balance them out.
Citi could straighten it all out by giving him a new loan...which he wants since it would give him lower payments at a time when 3 different clients have run out on their leases over the last year, leaving a basically empty building except for the lessee who hasn't paid in two years...but he has been paying the mortgage out of his savings.
Citi could get a new clean note, my dad would get a lower payment, everyone happy. Are they that clever. No. They won't even consider giving him a new loan.
Never underestimate their intelligence, always underestimate their knowledge.
Frank Delaney ~ Ireland
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