In my first blog " My Personal Hell Known as Loan Modification" the majority of my anger was directed at James Parsa, the attorney I retained to help me secure a Loan Modification from my lender. The reality is James Parsa only made a bad situation worse. The real enemy in my loan modification hell is my lender, Indy Mac known now as One West Bank.

Having spent the last month "bonding" with my fellow comrades in suffering, also known as the "Parsa Victims", I have learned more than I ever wanted to know about Indy Mac, One West Bank, George Soros and Michael Dell. The latter two are the investors who bought the government owned Indy Mac and turned it into One West Bank.

George Soros is known as an ultra-liberal billonaire whom many claim is the sole reason Barack Obama made it to the Presidency. Silly me I thought it was Oprah!

Michael Dell, another ultra-liberal, is the man whose name appears on my laptop. Michael Dell is the geek founder of Dell Computers and like Soros, a billionaire.

What do these two guys know about running a mortgage bank? Nothing! If you are an Indy Mac customer and you've called their Customer Service you know what I am talking about. Indy Mac has got to be #1 on the list of dysfunctional, disorganized businesses--anywhere!

After recovering somewhat from my shock of being scammed by Parsa Law Group, I picked up the pieces of my loan modification attempts and started back down the road of frustration with One West Bank. I sent and resent and sent again all the requested documentation.

I phoned and I phoned. I told my sad tail of woe to any One West Bank employee willing to listen. It didn't matter. Indy Mac, One West Bank never had any intention of modifying my loan. The answer to me was NO as it is and will be for all their other customers in need of modifying their loans.

Why? Because it is in the best interest of the Indy Mac investors to say no to their customers. They have a sweet heart deal with the FDIC. Yes our government has taken care of these billionaires while Average Joe on Main Street flounders.

Information can be found all over the internet which confirms Soros and Dell purchased the failing Indy Mac Bank from the FDIC who had taken it over when Indy Mac's reserves fell below the legal amount. Soros and Dell bought the bank for $20.7 billion. The bank's assets at the beginning of this year (2009) totaled $23.5 billion. They made $3.5 billion immediately at the time of purchase.

The deal with the FDIC also has a loss sharing agreement with a 20/80 split. Soros and Dell take the first 20% hit of any loss and the FDIC picks up the lion's share of the balance.

I am trying to figure how this plays out in my personal situation. If Indy Mac forecloses on my loan and I owe $603,000 does this mean Soros and Dell only get stuck with a loss of $120,600 and the FDIC takes care of the rest? Indy Mac will own the house which as of today is still valued around $750,000. Does Indy Mac then sale and make a profit? WTF is this?

George Soros is a raging do-gooder liberal who at one time likened President Bush to Hitler. That is quite a comparasion and all I can say to that is it's not Bush or Hitler forcing my family out on to the street at Christmas,nope it's George Soros!

Now I am angry!   I am angry that the making Home Affordable plan by Obama is a big scam. I am angry that Indy Mac is acting in bad faith refusing to offer any helpful solutions. I am angry Indy Mac and others got a bail out without the Bush or Obama Administrations placing any contingentcies on their use of the bail out money, i.e like setting up a real loan modification program at every lending bank.

I am equally angry with the State of California and our Govenor. He signed into law the Foreclosure Protection Act which was suppose to help foreclosed homeowners have extented time above what the law allowed to stay in their home. Immediately after the bill was signed, Indy Mac filed for an exemption under that law and it was granted. Why? Because Indy Mac allegedly has a "loan modification Program" Bullshit.

I do not intend to go down without a good fight. After consulting with a Bankruptcy attorney, I have decided to go the Chapter 13 route in order to save my home. From what I have been told, this is what Indy Mac, One West Bank, Soros and Dell force hardworking customers to do to avoid being left out on the street. So, go to hell George Soros, Michael Dell, Indy Mac and One West Bank.