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I lived in an apartment in cambridge, new york 12816. over the past year and a half you had sent the landlord letters delivered by DHL. and also hung a paper on your door to contact you. So I did didn't get any answers. When I asked the landlord he said it was your mistake. On May 17,2011 my husband and me where served foreclosure papers hand delivered.He was told we were the only tenants in the building when all four apartments were rented. I have called your bank to give you info about the condition of the building, also his still trying to sell it with a short sale. Now the papers that were served came from your attorney and the supreme court of washington county new york. which gave him like 30 days to answer. It appears to me at this time either no one at your bank knows whats going on or neither does the law firm for you. a few weeks ago a man came from the bank who said he was an inspector and took pictures of the condition of the outside. such as the tarps on the roof, foundation falling in, the back apartment stairs falling in. we have moved but do not have everything out. your still have 2 apartments that are still being lived in apt.#1 and apt.#4. which apt. #4 roof leaked so bad if ruined a lot of his furniture. the slumlord still has the for sale sign out there. and the real estate agent still showing the upstairs apartment. if you would listen he took out a loan of over 138,000 did not fix only the one apt#3. the rest of them are so run down. it is a dump. also the wiring, no permits for any work he did there. He has it listed for 110,000 and you probably couldn't get over 50,000 or 60 thousand and that is the truth. the 9 years we lived there he did nothing to it.We will be taking him to court to try and recoup some of our money. why did you let him go 3 and half years paying not even 3 full mortgage payments. and then boom the tenants get the screw job from him.he took the coin operated washer and dryer out in june. now i was told he took out the electric stove from apt.#3. also in the first part of june a water disconnection came for 3 days later the water was going to be shut off. I finally had to have my doctor help me keep it on. and i guess it is still on. he loaded up the hall with furniture and when our lights were turned out so was the outside lights, the hall light and the hot water heater he was suppose to pay for. it was for apt1 and3. i think that if the tenant can prove there rent is always paid on time and every month you should be obligated to notify the tenants that he is in default in his mortgage and the building may go into foreclosure not the way it was done. We paid just us over 30,000 in 3 and a half years and he paid 3,100. that is really sickening. my husband and i are both disabled and have cancer and other medical problems. so the way this was done wasn't right. he should go to jail for a long time. also. in the foreclosure papers it states he was suppose to carry insurance in case someone didn't pay the rent he would have the money to pay the mortgage i guess that also applied if he said apartments were empty. well i think if you check into that you will see he was getting rent and insurance,i can't prove it. about 8 months ago or maybe a little longer a guy knocked on our door and asked if this was john watts my husband said no and gave his name . he was someone from an insurance company and wanted to know how many of the apartments were rented and filled and they have almost always been filled. and i find it odd that the server thought we were the only ones in the building. so if you want to keep getting screwed by this jerk ignore this message. my advice to you is to send someone out and have the entire inside and outside checked and pictures taken. and explain one thing to me cause i still call your branch and also the attorney and have been told several times to protect our interest tell me what does that mean.no one has explained that to me


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