FREW N.
failed to adhere to the commitment of…
failed to adhere to the commitment of continued support in achieving financial goal
Response from Truth In EquityJun 19, 2021
Frew, these are the detailed notes our CEO Bill Westrom took when servicing your account. It appears Bill did a great job helping you with the program so I don't see where we failed to adhere to the commitment of support and helping you achieve your goals. It appears you abruptly stopped responding to Bills emails and phone calls. Why is that? 1/9/17 BW PB adjustment Misc Dep 11/2016 to reconsicle 12/2016 to statement. Spoke to Frew, line bal now at zero. Sold NOO, sister now pays 1600 rent to cover primary mtg payment (frew moved to basement), purchased vehicle 38k 1100/ yr term. Payoff or keep. BW rebuild ppf to new situation. Screen shots of original PPF and PB in customer fil 11/8/16 BW PB update. 7/2016 Misc W = bal adjustment entry. 11/2016 recons with Nov statement. PPO 9y3m 5/16/16 BW from Frew: Hi Bill, in light of my rental house vacated for being on the market for sale, it’s possible for the next 3 months I might end up paying for 2 mortgages, unless a miracle happens, thus I suggest we wait till we have a buyer or till the 3 months is up which then I will take it off the market, if I don’t get the price I’m looking for. Which means I need the extra cushion to carry me for the next 3 months, possibly even dipping more into the US Bank 2nd mortgage. **Updated PB with April statement. Projected ppo of current bal/5926.50 = L15. Overall PPO 9y2m 4/8/16 BW spoke with Frew; great month, planning on selling his NOO, invest proceeds overseas for 10% return, will need to spend from HELOC to get NOO ready for sale, will wait until that process before W to 1st. 1/8/16 BW spoke with frewbucks; statement rev. Doing a great job. Multiple withdrawals = either timing issue with payments clearing, or checks being cashed (alimony) or charities. He will start paying charities annually. 12/4/15 BW spoke with Frew. Perf rev...good month...9974 dep = see notes below. 6000 = bonus, removed first yr bonus/4000 from PB. bal from 21k to 7k. Frew totally motivated; forecasted first W to 1st Feb-Mar. 11/5/15 BW first statement review with Frew: 19,300 = vehicle payoff (ppf adjusted), 4000 = payment to 1st to include 2541 principal only (in PB), 10,000 was a mistake; he sent them payoff check, but took forever to arrive, he sent them 9974, they received 19,300 check, they will be returning the 9974 so that will show on next statement. 850 = alimony, will be a constant. 3075 = rental income. No W for cc spending. Coming due 11/16; 6000: 2995/TIE, 1000/Home warranty, 650/auto ins, 1355/basic needs, will show on next statement. All regular pay into line (3667.98 + 3462 = 7129.98. Doing a good job. Keep it up. talk next statement. PB recons with statement 11/2015 = 21,445.02 PPO 9y6m 10/2/15 BW spoke to Frew Re HW assignments; established bill pay day the 6th. He sent $4k to Primary mtg though was not added to monthly payment, it Included monthly payment. BW to input into PB accordingly. Struggle getting ebill pay from BofA to HELOC set up...he is to go into branch Sat for help. BW-Don't use word link/linking; you just want to set up an ebill account for USB HELOC. 9/30/15 BW impl mtg. See desk notes 9/29/15 Sent Next steps, paid and verified. 9/25/15 Loan closed 8/19/15 BW 2nd jm with Frew, he just had simple questions and wanted to see the PB one more time. Def signed, sent steg's contact info. 8/17/15 BW Frew wants to review additional scenarios. jm #2 8/19 8/14/15 BW jm with Frew. Def req. See desk notes. 8/13/15 BW spoke with Frew. Jm scheduled 8/14. Frew is returning after hearing about us 7+ yrs ago. He's ready.