interesting…the notion that the banks are the 'bad' guys.  Thank you craiged for your insight…basically we have to sit tight with a bunch of 'crooks'(bad guys) until the terms of a contract I never signed runs out.  I never signed with RHG but RAMS and at the time we were told nothing had changed…but since they have the legal expertise and I…[Read more]

Thanks every one!!! So basically after doing the maths, RHG have us( and many more) over a barrell!!!  It was a 100% loan orignally b/c of a major stuff up by Stgeorge and we were desperate. Although the house we are in has improved in value by 45000, we are still stuffed. And we only had 1/2 fixed and 1/2 variable. So the $16000 exit fee is only…[Read more]