Profile

Cover photo
Christian Boulet
Works at Multiforce
Attended Notre-Dame de Fatima
Lives in Beauport
1,224 followers|199,962 views
AboutPostsPhotosYouTube+1'sReviews

Stream

Christian Boulet

Shared publicly  - 
 
grossière erreur de Bank of America et aussi un gros succès de google+
 ·  Translate
 
I would appreciate any media coverage in regards to my complaint below. If you know of anyone that can provide media coverage for my issue, please let me know. Despite it being the “holidays” or “holy days” for some, for others, it is a time of grief; especially when your home is being threatened by your bank for NO LEGITIMATE REASON! If you reshare, please ask people to comment on this main post. My head is spinning with all of the responses.

Post was updated below:

I am currently having a problem with my bank +Bank of America in regards to my mortgage. Despite NEVER missing a payment, and NEVER being late, I have been placed in their foreclosure department. So how did this all start?  

Two months ago I applied for a home loan modification, based on the HAMP program (Home Affordable Modification Program). This is a program that is supposed to help homeowners who are still paying their mortgage, but need to modify due to changes in income. Bank of America assigned an “account manager” to handle my account; with whom payment arrangements, modifications, and discussions about my mortgage would take place.

From the first time I spoke with her, she referred to my property as being “in foreclosure;” despite never missing a payment. When she has spoken with me, she has had to be repeatedly reminded that I requested a modification of my mortgage, and was NOT in foreclosure. She started each conversation off explaining that the foreclosure proceedings have taken place, and has discussed my “occupation of the property.” 

She also stated that she is the “account manager” in the foreclosure department. After my explanation that I had applied for a modification, and should not be in foreclosure, she placed me on hold (each time), and eventually comes back to the line and say’s that she has seen the notes about my modification and she is part of the “modification department.”

I provided all of the necessary paperwork for a modification almost 2 months ago, and have yet to see any attempt at modifying my mortgage. I spoke with her last week, and was told that the application was not yet submitted to the underwriter, because of the “foreclosure status.” Once again, I had to start over, explaining that I am not in foreclosure, but instead requested a modification of my mortgage.

The very first time that I spoke with her, she was unfamiliar with HAMP, and stated that the best way to modify my mortgage was to stop making payments. This does not seem like legitimate or sound advice, especially coming from the bank that I am making payments to. I believe an attempt at fraud is being made by Bank of America in order to foreclose on my home.

I believe that since I have equity in the property, and because my finances have been laid out according to the HAMP program, delays are taking place to force a foreclosure on my property, rather than a legitimate attempt at modifying my current mortgage.

I have complained and requested that my complaint be escalated, but nothing has been done, after dealing with the same account manager for over 7 weeks. I spoke with Bank of America today, this time, with a different representative, who asked if I had yet to “vacate the property.”

We have made every attempt that we could to modify our mortgage because we are going to keep our home. There is no reason the threat of foreclosure should be used on people that have kept their mortgage in good standing.

This makes NO SENSE, and is really putting a hamper on our attempts at enjoying the holidays. To make it clear, we have NEVER been late, NEVER missed a payment, and NEVER had a problem with the bank PRIOR TO APPLYING FOR A MODIFICATION.

If you are an anti-regulation person that wants to argue, please refrain from turning this into a heated discussion and consider posting elsewhere or keeping your opinions to yourself.

UPDATE 1: To answer some of the questions that I have been asked, I am updating the post. I have not received any official notice in writing from the bank; only verbal communication from their reps over the telephone. I currently bank with the above mentioned bank, and all online access to my mortgage account stopped once I applied for the modification. According to them, it is standard procedure. So, I can only make payments through a specific number, or by mail, but am unable to review my mortgage payment history, etc.

I did not want to wait to get notice in writing before posting about this; I should not apply for a modification and be treated as a non-paying customer. Nor should this have ever come up in the first place since I am current on my mortgage payments. That is what concerns me the most, and why it was so unexpected. I thought it would have been worked out by now, but it is continuing and is making no progress.

I have had a similar experience with a fraudulent bank a few years ago when a home that we were renting was foreclosed on. We attempted to buy the home in a short sale from the owner, but the bank would not sell to us and we lost several of our personal belongings when we were locked out of the property. I won't share the name of that bank, let's just say, we were "Chased" out of the home. That was scary then, and we didn't own that home... This is scarier to us because we have spent a great deal of money for this home, and for the first time in years, we are no longer upside down on the mortgage because we make extra payments every year and the property value has increased.

This morning, before posting this, I filed complaints with ever possible channel I could find; Consumer Financial Protection Bureau, FDIC, Federal Reserve, State Attorney General, FTC, and a few others. The purpose of me posting this was to share my story, get suggestions from the wonderful people in my circles, and use this to gain whatever media exposure I could now before it gets worse later. I am afraid that if I waited any longer, it would only get worse.

On a side note, I also requested that my PMI was removed from my payment since I meet the criteria, and was told that they will not take my current value, payments, or length of time under consideration. This would have saved me over $150 per month. PMI is a rip off, and unnecessary because I meet the qualifications to have it removed.

Thank you all for the suggestions and support. I have tried to thank everyone that reshared this, but it is difficult to get to everyone. I appreciate your support. Here is a video response simplifying everything that I wrote above, and thanking everybody for their support:

Watch my YouTube video here: http://youtu.be/6gnz6dTlqyM

UPDATE 2: +Bank of America called me today, & I guess now despite my repeated requests that have been ignored, they have NOW decided to escalate my complaint. But guess what? It wasn't because of all of the things that I filed last week, nor because of the many complaints that I have given to them the past 2 months, it was because of the social media complaints here on Google+.

That is wonderful, but I'm right back to where I started from. They now said that because they took so long and they haven't done anything on my case for over 2 months I have to resubmit all the documents because they are expired now.

Go figure, especially since this is a common complaint that I see repeatedly from people in my situation. They also said that the application that I filled out on their website, is invalid at this point, because it's outdated and I have to resubmit that as well. So basically, they're having me start over from scratch after wasting so much of my time, and the only reason why they're even helping me at this point, is because I've got exposure here on Google+.

Update 3 (December 5th): Bank of America still seems to be screwing around with me. I am getting no help from our federal representatives, nor any of the agency's suggested. More information can be found below in the comments, or by clicking on the hashtag #saveourhome

Update 4 (December 17th): The response from BofA to my CFPB complaint was basically saying that I was in their foreclosure department. I have now been dealing with a rep: Michael Saad of Bank of America. Do a search, and you will find his name pop up, as he is yet another Bank of America representative known for this type of behavior. I keep resubmitting documents, and he does not return my calls, waits until 2 weeks goes by and I repeatedly call him, to tell me once again that he needs more paperwork. I have given all of the paperwork over and over again, and he says he will not submit for a modification. 

I really need help with this, my attempts are going nowhere, and I am getting increasingly desperate. Please + this post and reshare to help generate more attention. This is really ruining our family holiday at a time where we are already overwhelmed.

Thank you for all of your support, but I am far from finished with this. Please help me keep this going until it is resolved.

#saveourhome
1
Add a comment...
 
 
THE BEST GOOGLE+ HELP & RESOURCES
+Jaana Nyström has collected some of the best articles & posts about the use of Google+. No need to break down this compendium, so just take a look below for a taste or click this link to go directly to the drive:
http://michlinmetals.blogspot.com/2013/10/The-Best-Google-Plus-Help-and-Resources-Google-Plus-Tips-Tricks-October-2013.html


GOOGLE+ IN GENERAL

1) Official Google+ Help & Support by +Google+ Help
2) What is Google+: A complete user guide by +martin shervington  
3) Having trouble circling people on Google+? by +Jaana Nyström
4) Getting started on Google+ by +Computerworld 
5) Hangouts: Messaging and video calls basics by +Ronnie Bincer 
6) Organize your Circles by +Gplus Helper 
7) The anatomy of a perfect Google+ post by +Dustin W. Stout
8) Control your notifications by +Jaana Nyström
9) 12 most helpful Google+ pro tips by +Peg Fitzpatrick
10) Google+ and your Photos - a tutorial
11) The Personalized Power of Google+ Plus Ones by +Mark Traphagen 
12) A nice resource of links to Google+ treasures by +Jack Humphrey
Featuring advice from +Demian Farnworth  +Chris Lang  +Yifat Cohen +Stephan Hovnanian +Andrij Harasewych +Carol Dodsley 
13) TIP: Create a private community for saving and storing data by +Gplus Helper 

LEARN MORE FROM GOOGLE

1) Your Profile
2) Circles
3) Photos
4) Events
5) Hangouts
6) Mobile
7) Local

VIDEOS

1) Google+ Tips-The Seven Habits of Highly Effective Google Plussers
2) Kick-Starting Social with Google+ (Business)
3) Google Drive SDK: Drive/Google+ photos integration
4) Google+ Notifications & Privacy Settings
5) How To Disconnect You Youtube Account From Google+
6) Has Google+ Improved Your Ranking? - Tuesday G+ & Topics HOA  (Business)
7) Five Cool Ways to use Google+ for Photos | USA TODAY Talking Tech
8) How to Change your YouTube username and Channel name (with Google+) September 2013
9) Beginner's Guide To Google+ For Business - The Girls Mean Business with Jenny Braithwaite

BUSINESS AND GOOGLE PLUS

1) Google+ and your business by +Google+ Your Business 
2) Google+ business Pages tutorial by +martin shervington 
3) How to Verify your Business Page on Google+ by +Jaana Nyström
4) Google Apps for Business by +martin shervington  
5) Official Google Apps help & support by Google
6) Google+ and SEO by +Kristi Hines  
7) Google+ personal profile or business page? by +Jaana Nyström
8) 12 Most Creative Ways Businesses Can Use Google+by +Stephan Hovnanian 
9) The Business Guide to Participating in Google+ Communities by +Kristi Hines
10) Official Google Authorship: Link your Google+ profile to the content you create by Google
11) Author or Publisher: rel=author or rel=publisher: Which Should I Use? by +Mark Traphagen
12) Ways to Use Google+ Events for Your Business by +Lisa Peyton  

STATS, TOOLS AND LISTS ON GOOGLE PLUS

1) Your Google+ settings
2) Google+ popular verified users list by +CircleCount 
3) Most popular Google+ communities by +GPlusData 
4) All your + statistics by +Gerwin Sturm 
5) Manage your circles by +Circloscope 
6) See your posts and comments on Topsy
7) See your posts in Timeline format by +Jari Huomo 

SCHEDULE AND SHARE

+Do Share  for pages and profiles
+Buffer  and +HootSuite  for Business Pages
+Friends+Me shares from G+ to other social media

HELPFUL COMMUNITIES

1) YouTube & Google+ Integration Community
2) Official Google+ Discuss by +Google+ Help
3) Google+ Helper Community 
4) The G+ Resource
5) Google+ Pro Tips
6) Google+ Updates
7) Closing the Google+ Gap
8) Google+ Photographers
9) Hangouts on Air
10) GooTubePlus 
11) Plus Your Business
12) Google Authorship & Author Rank
13) Google Plus for Small Business
14) Google Sites
15) Blogger
16) SEO Community:
17) AdSense
18) YouTube Live Streaming 

h/t to +David Amerland for the inspiration on this image (as well as my wife who saw the gears last night and said some red G's would do the trick.) 

If you feel this might be useful to others in your circles please share. I hope you enjoy the Drive. Have a great Wednesday. 

#GooglePlus   #Google   #GoogleDrive   #DriveDecks  +Google Drive  #Smm   #SMO   #SMB   #YouTube   #GPlusTips   #youtubetips  
 
1
Add a comment...
 
bonne idée cadeau?
 ·  Translate
 
Le couteau suisse des geeks ! 
 ·  Translate
1
Add a comment...
 
 
Billboard in Peru Turns Air Humidity Into Drinking Water
1
Add a comment...
 
 
PSA: Windows 8.1 now available for some Windows 8 users

If you're running Windows 8 right now, chances are you'll be able to download Service Pack 1 the free update to Windows 8.1. All you have to do is visit the Microsoft Store or click here for the full tutorial and install link: http://goo.gl/iIruWq

Please note: If you installed Windows 8 from an MSDN subscription or are a Windows 8 Enterprise user you can't simply install the update, you'll need to format! More info here: http://goo.gl/yBr3UK
1
Add a comment...

Christian Boulet

Shared publicly  - 
 
 
THE BEST GOOGLE+ HELP & RESOURCES
+Jaana Nyström has collected some of the best articles & posts about the use of Google+. No need to break down this compendium, so just take a look below for a taste or click this link to go directly to the drive:
http://michlinmetals.blogspot.com/2013/10/The-Best-Google-Plus-Help-and-Resources-Google-Plus-Tips-Tricks-October-2013.html


GOOGLE+ IN GENERAL

1) Official Google+ Help & Support by +Google+ Help
2) What is Google+: A complete user guide by +martin shervington  
3) Having trouble circling people on Google+? by +Jaana Nyström
4) Getting started on Google+ by +Computerworld 
5) Hangouts: Messaging and video calls basics by +Ronnie Bincer 
6) Organize your Circles by +Gplus Helper 
7) The anatomy of a perfect Google+ post by +Dustin W. Stout
8) Control your notifications by +Jaana Nyström
9) 12 most helpful Google+ pro tips by +Peg Fitzpatrick
10) Google+ and your Photos - a tutorial
11) The Personalized Power of Google+ Plus Ones by +Mark Traphagen 
12) A nice resource of links to Google+ treasures by +Jack Humphrey
Featuring advice from +Demian Farnworth  +Chris Lang  +Yifat Cohen +Stephan Hovnanian +Andrij Harasewych +Carol Dodsley 
13) TIP: Create a private community for saving and storing data by +Gplus Helper 

LEARN MORE FROM GOOGLE

1) Your Profile
2) Circles
3) Photos
4) Events
5) Hangouts
6) Mobile
7) Local

VIDEOS

1) Google+ Tips-The Seven Habits of Highly Effective Google Plussers
2) Kick-Starting Social with Google+ (Business)
3) Google Drive SDK: Drive/Google+ photos integration
4) Google+ Notifications & Privacy Settings
5) How To Disconnect You Youtube Account From Google+
6) Has Google+ Improved Your Ranking? - Tuesday G+ & Topics HOA  (Business)
7) Five Cool Ways to use Google+ for Photos | USA TODAY Talking Tech
8) How to Change your YouTube username and Channel name (with Google+) September 2013
9) Beginner's Guide To Google+ For Business - The Girls Mean Business with Jenny Braithwaite

BUSINESS AND GOOGLE PLUS

1) Google+ and your business by +Google+ Your Business 
2) Google+ business Pages tutorial by +martin shervington 
3) How to Verify your Business Page on Google+ by +Jaana Nyström
4) Google Apps for Business by +martin shervington  
5) Official Google Apps help & support by Google
6) Google+ and SEO by +Kristi Hines  
7) Google+ personal profile or business page? by +Jaana Nyström
8) 12 Most Creative Ways Businesses Can Use Google+by +Stephan Hovnanian 
9) The Business Guide to Participating in Google+ Communities by +Kristi Hines
10) Official Google Authorship: Link your Google+ profile to the content you create by Google
11) Author or Publisher: rel=author or rel=publisher: Which Should I Use? by +Mark Traphagen
12) Ways to Use Google+ Events for Your Business by +Lisa Peyton  

STATS, TOOLS AND LISTS ON GOOGLE PLUS

1) Your Google+ settings
2) Google+ popular verified users list by +CircleCount 
3) Most popular Google+ communities by +GPlusData 
4) All your + statistics by +Gerwin Sturm 
5) Manage your circles by +Circloscope 
6) See your posts and comments on Topsy
7) See your posts in Timeline format by +Jari Huomo 

SCHEDULE AND SHARE

+Do Share  for pages and profiles
+Buffer  and +HootSuite  for Business Pages
+Friends+Me shares from G+ to other social media

HELPFUL COMMUNITIES

1) YouTube & Google+ Integration Community
2) Official Google+ Discuss by +Google+ Help
3) Google+ Helper Community 
4) The G+ Resource
5) Google+ Pro Tips
6) Google+ Updates
7) Closing the Google+ Gap
8) Google+ Photographers
9) Hangouts on Air
10) GooTubePlus 
11) Plus Your Business
12) Google Authorship & Author Rank
13) Google Plus for Small Business
14) Google Sites
15) Blogger
16) SEO Community:
17) AdSense
18) YouTube Live Streaming 

h/t to +David Amerland for the inspiration on this image (as well as my wife who saw the gears last night and said some red G's would do the trick.) 

If you feel this might be useful to others in your circles please share. I hope you enjoy the Drive. Have a great Wednesday. 

#GooglePlus   #Google   #GoogleDrive   #DriveDecks  +Google Drive  #Smm   #SMO   #SMB   #YouTube   #GPlusTips   #youtubetips  
 
1
Add a comment...
 
 
Apple is now the world's most valuable brand.

Coca-Cola has been ranked as the world's most valuable brand for 13 years. But tomorrow, corporate brand consultancy Interbrand will announce that the Coca-Cola brand has dropped to the number-three spot, replace by Apple, now the most valuable brand in the world. 

Google, which had been the worlds fourth most valuable brand rose to number-two. 

Most of the brands in the top ten are now technology brands like Microsoft, Samsung and Intel. 

http://www.nytimes.com/2013/09/30/business/media/apple-passes-coca-cola-as-most-valuable-brand.html
1
Add a comment...
People
Have him in circles
1,224 people
Emerson Ferreira's profile photo
Chris Kantrowitz's profile photo
Andrew Anderson's profile photo
Jean-François Veilleux's profile photo
PJ Chasteen's profile photo
Jean-François Lavoie's profile photo
Rohan Techs's profile photo
Lee Probert's profile photo
Gilbert GIBBS's profile photo
Work
Occupation
Technology Architect - Geek
Employment
  • Multiforce
    Architecte Techno, 2010 - present
  • TELUS
    Archtiecte Techno, Directeur conseil et DBA, 2004 - 2009
  • Mobilair
    Coordonnateur du service à la clientèle, 2003 - 2004
  • Fujitsu / DMR
    Analyste - DBA Oracle, 1998 - 2003
  • Procter & Gamble
    Systems Analyst (DBA), 1997 - 1998
  • Facilité
    Directeur Services-Conseil, 2009 - 2010
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Beauport
Previously
Loretteville - Toronto
Story
Introduction
... an english version will follow...
Consultant en informatique depuis1998, ayant occupé des postes de DBA, architecte de données, programmeur et analyste. Aujourd'hui je me spécialise dans l'architecture technologique, la veille technologique, et l'architecture d'entreprise.

Je suis aussi gestionnaire de ressources et de comptes. 
Père de 3 enfants et Geek à temps complet.
---version anglaise---
Senior Technology consultant, based in Quebec City. I am a tech enthousiast, a Geek if you prefer. And this is my trademark. 

I read about tech, the web and the new. I write about what amaze me and my opinions on tech isues.

Education
  • Notre-Dame de Fatima
    1978 - 1983
  • Polyvalente de Loretteville
    1984 - 1990
  • Cégep Limoilou
    DEC en administration des affaires, 1990 - 1993
  • Université Laval
    Administration - SIO, 1993 - 1997
  • École arc-en-ciel
    1983 - 1984
Basic Information
Gender
Male
Christian Boulet's +1's are the things they like, agree with, or want to recommend.
A collection of hand selected articles by Christian Boulet from Le meill...
bit.ly

Now in Beta! Paper.li multi-share - share your favorite articles, photos and videos from one paper in 1 go.

Assassin's Creed Pirates
market.android.com

Become one of the most feared pirates of the Caribbean in this exclusive Assassin's Creed adventure on smartphones and tablets! Play as Alon

Georgia Tech Freshman Convocation - Epic Sophomore Welcome Speech - Full...
www.youtube.com

Nick Selby gives an epic Sophomore welcome speech to the freshman class.

Olinguito, Dog Lions, Jetpacks and more! - IFLScience
www.youtube.com

Would you be fooled into thinking a dog is a lion? Kids ever bug you so much you want to consume them? How about your very own personal jetp

Une visualisation parfaite de la fragmentation d’Android | BlogNT
www.blog-nouvelles-technologies.fr

Combien d'appareils Android distincts pensez-vous qu'il existe réellement ? 100, 1 000 ou encore 10 000 ? Et bien ne cherchez pas plus loin

Hackers Demonstrate Car Hacking using a laptop
thehackernews.com

Computer geeks already knew it was possible to hack into a car's computerized systems and finally, two U.S. hackers - Charlie Miller and Chr

La deuxième génération de la Nexus 7 débarque au Canada
www.protegez-vous.ca

Photo: Google Les amateurs canadiens de tablette peuvent dès maintenant se procurer la nouvelle version de la tablette Nexus 7 de Google, dé

Hacker Girlfriend
www.youtube.com

Join the HGF adventure here! http://HackerGirlfriend.com Download Maxthon (PC): http://goo.gl/wU2Jg Download Maxthon (MAC): http://goo.gl/33

Wired Space Photo of the Day | Wired Science | Wired.com
www.wired.com

Follow Space Photo of the Day on Twitter Subscribe to Space Photo of the Day The 2012 Wired Space Photo of the Day Gallery

L'onde de choc de la météorite russe ressentie partout sur Terre
www.tomsguide.fr

En février dernier, une météorite s'est désintégrée dans le ciel de l'Oural en Russie. Elle s'est fait entendre à l'autre bout de la planète

PRISM : à l’écoute de votre ombre numérique | Triplex, le blogue techno ...
blogues.radio-canada.ca

PRISM ne fait pas de l'écoute électronique à grande échelle. Il collige les métadonnées. Il n'y a rien de grave à ça? Erreur!

SCIENCE JOKES: 27 Geekiest One-Liners
www.huffingtonpost.com

Have you heard the one about the sick chemist? If you can't helium, and you can't curium, you'll probably have to barium.

Restaurant Lotus Sélect
plus.google.com

Restaurant Lotus Sélect hasn't shared anything on this page with you.

Parc Philias-Grenier
plus.google.com

Parc Philias-Grenier hasn't shared anything on this page with you.

Le Gestionnaire Borg
gestionnaireborg.blogspot.com

«-Yahoo! a besoin d'un solide coup de barre. L'ex-étoile de la techno doit se redonner une culture forte et commune ce qui exige un rapproch

parce que nous avons tous un petit geek intérieur testing 123 ...
geek.bravesites.com

Le Geek a temps partiel. parce que nous avons tous un petit geek intérieur. testing 123. Posted June 5, 2013. Ceci est un test pour remplace

Vine
market.android.com

Vine is the best way to see and share life in motion. Create short, beautiful, looping videos in a simple and fun way for your friends and f

Know How... 46 | TWiT.TV
twit.tv

Ever wanted to make your own shows or podcasts? Today, you'll know how to make a home studio!

Un excellent resto de banlieue, nourriture absolument délicieuse mais le prix est un peu élevé (13.95+tx pour un menu du jour diner). Stationnement adéquat, et facile d'accès, il n'est plus un secret. Il fait partie des meilleurs thai de la région.
Food: Very goodDecor: Very goodService: Very good
Public - 10 months ago
reviewed 10 months ago
Un petit parc simple et paisible, aucunes installations pour les enfants mais assez grand pour un petite partie de soccer entre amis, un entrainement en équipe de sport...
Appeal: GoodFacilities: GoodService: Poor to fair
Public - 10 months ago
reviewed 10 months ago
3 reviews
Map
Map
Map
Cette auberge est vraiment extraordinaire! La qualité, le propreté, la courtoisie sont toutes des forces exceptionnelles. J'ai aussi utilisé les services de massage et moi et ma conjointe avons été totalement satisfaits. Je le recommande activement !
Public - a year ago
reviewed a year ago