Mortgage Watchdog

Are you overcharged? Stop loosing our hard earned money. Chnases are you are owed thousans of dollars by the banks and youwill never know it.

Mortgage Watchdog is a comprehensive tool for individual and businesses to control and audit their bank statements in order to find and prevent overcharges on mortgage payments. Mortgage watchdog is creaated with an easy user interface. You just type in the start and ending dates of your statements, the interest rate (or several interest rates if the rate changes during the month) and the changes in the balance of the account and the software does the rest.

Mortgage Watchdog can control and audit all sorts of accounts, off-set accounts, lines of credit, variable home loans, etc. We are yet to find an account we cannot check.

If you want to find out how to stop the banks from taking advantage of you through errors and faulty systems, then keep your eyes glued to this page for the next 3 minutes; you are in for some shocking surprises.  The banks have probably already overcharged you many times this year without even knowing it! Government Studies Show Over 45% Of Home Owners Have Been Overcharged More Than $1,500 by Their Lender. 13% of homeowners are due a refund of over $10,000 "I have now been reimbursed the exact amount of discrepancy I had found using your program of $7,563.04 plus reimbursement of the cost of the package against my loan." Ann-Maree Enders "I have checked 2 mortgages and I have another 8 or 10 loans to go. So far I have found an overcharge of $5156.29 and then $684.98 for compounded interest. The loan started in September 2002 and is still in place. So thank you for the programme, it will help make my money work for me rather than be used by the bank free of charge. This product sure is a real winner." Edward Nixon . “Your software has uncovered overcharging by my bank to the tune of almost $1,300 just for the last two years. Like so many others, I had assumed the Bank would get the figures correct.”  Mike V "We found a discrepancy of $8,643.00 on our fixed loan and this has now saved us $33,000 over the life of our loan." Mrs. Mackenzie I don't know about you, but I work hard to pay off my mortgage as quickly as possible. Then to have the bank make mistakes and incorrectly take money from my account is not only unfair, but insulting.I never considered it necessary to check the calculation of my bank statement. I didn't think there would be a need. I couldn't have been more wrong. Every day people are receiving bank statements in the mail for their mortgages, saving accounts, personal loans and overdrafts that they assume are correct, but they are totally mistaken. Do you actually believe your bank or non-bank lender would never make a mistake on your account? Here's what the experts have to say.  "It would be naive to think there's such a thing as a perfect system, and that mistakes will never happen. Mistakes are a fact of life and I am not suggesting that banks intentionally do anything wrong…..   – Paul Clitheroe - Host of Channel 9's Money show and chief commentator for Money magazine  "The era of trusting the banks has long gone."  – Justice Clarke, New South Wales Supreme Court.  "Banks get almost every interest calculation on mortgages and overdrafts wrong at some point."  - Roy Brown Managing Director of Interest Research Bureau (IRB).  I can't believe how totally naive I had been, just accepting that the banks never actually made a mistake and my statements were 100% accurate. Now surely these mistakes are just tiny errors involving a few cents here and there? Well guess again.  Banks Are Making Mistakes On Accounts Just Like Yours .... Every Day. If you are like many people you may be tempted to think that "this can't happen to me" or that this "isn't a real problem and it's being blown out of proportion." Before you make that mistake think about this. The problem is that bank statements can be difficult to read and are not always what they seem. Some of the errors are very difficult to locate if you don't know what to look for. "[In accounts for over 20 of my clients] I have discovered overcharges in approximately 75% of cases. The total of all mistakes, including overcharges of interest, fees and other irregularities amounts to over $500,000"  – Joe Naggy former Citibank executive now runs Midmark Financial Services “A recent survey of bank statements conducted by The Interest Savers for Sydney Morning Herald readers showed an error rate of 54%, ....... The Herald's switchboard was jammed for a week by callers wanting their statements checked.” - Journal of The Institute of Chartered Accountants in Australia "The bank statements are never clean, [citing the experience of some 350 clients since IRB opened in 1994]. "Significant errors" occurred in 90% of statements.."  - Roy Brown Managing Director of IRB There is a way to keep the banks honest. We now have a simple and powerful tool to check our bank statements quickly, easily and most importantly 100% accurately - Loan WatchDog Pro. But is it worth it? How often do these mistakes happen? Unfortunately, it is far more often than you would think. “We dug deeper and deeper and found that this system of overcharging is virtually universal ... It runs across the entire mortgage lending industry.” - Robert Abrams Former New York State Attorney General According to an independent audits by the F.S.L.I.C, mortgage overcharges occur in an estimated 45% of all Adjustable Rate Mortgages (ARMS) and cost Americans over $60 billion. The General Accounting Office confirms that almost 50% of ARMS have errors and overcharges to homeowners. "The average error is about $100 per monthly statement.”  Staggering isn’t it? When I discovered the rate at which banks made mistakes I was stunned but assumed it must have just been a few dollars here and there; $90 dollars per monthly statement is incredible. So what does this all mean? What does it add up to? You do your own sums, but here is what the statistics (and the most conservative ones at that) had me thinking when I first discovered them ... Annual overcharges: $60,000,000,000 Homeowners with a home loan: 50,000,000 Average annual error per home loan: $1,200. So, on average over the last 5 years (ready for this?) the average home loan has been overcharged $6.000.00! According to the Federal Deposit Insurance Corporation (the U.S. government agency that insures or guarantees your bank deposits) home loan errors are costing Americans $8 billion to $10 billion each and every year. Even if we use the lower number, provide by F.D.I.C., the amount of overcharges is outrageous. Over the life of a 30 year home loan compounding at 5% p.a. each and every day, that comes to a whopping $13,620 Ouch! Let me clarify that further government studies into home loan overcharges have shown that... 45% of homeowners are due a refund in excess of $1,500 21% of refunds due range from $3,500 up to more than $10,000 13% of homeowners are due a refund of over $10,000 70% of existing escrow accounts violate federal law by holding excessive balances This means every other person reading this page is owed $ 1500 AND over 1 in 10 reading this page are owed over $10,000… (Are you one of them?) "It's a good time to pull out your original loan documents and double-check the lender’s adjustments.You might be surprised at the results." Robert Chamness an official with the American Bar Association and partner in the San Francisco law firm McKenna, Conner & Cuneo as reported in the Los Angeles Times Don't get angry, get even... get back what they owe you. There is something you can do about this, you don't have to be a helpless victim of the banking system. Average homeowners around Australia are getting their money back from the banks every day. There are thousands of real life examples of people who have been over charged and been repaid anything from $400 to $100,000. "Thanks everyone. I've just found $1,100.00 over the last 3 years owing to me from my bank in overcharged interest on a home and investment loan. They were totally shocked with being caught!" Steve Atkin The bad news is that knowledge is a dangerous thing. Knowing what you now know, you have to some extent cornered yourself into making an important decision. You will decide one way or another how you are going to deal with it. Before leaving this page you will select one of the following alternatives...even if you think you haven't decided.  Option 1: The first alternative is to either "think about it" or continue doing nothing and have the banks take advantage of you to the tune of  $200-500 a year on average. I suppose this is the ostrich approach, stick your head in the sand and hope it goes away, good luck with this one, you're going to need it.  Option 2: Pay a bank statement checking company to check for you. The interesting thing to note about these companies existence is that obviously bank errors occur often enough for these guys to make a pretty healthy full time income (keep that in mind if you are leaning toward the option above). The down side is that they charge $200 to check your statements for you and a 20% "success fee" on the bank’s refund. So the costs you are looking at are $200 plus  $1500x 20% = $300 (20% of the refund)  Total Cost = $500. Option 3: Ask the the very people who got it wrong in the first place - the banks - to check your statements for you. Generally they charge $200/hour to do this for you. Ask yourself this question, "why would I trust them to get it right this time if they couldn't before?" Isn't this a bit like putting the fox in charge of the hen house? Option 4: Use a dedicated piece of software using the internationally accepted formula to calculate your interest bill to check on the banks for you .... for less than the banks' hourly rate.  It is a bit of a "no brainer" isn't it? The Loan WatchDog Pro software is by far the most cost-effective solution available.   To do nothing is either naive or nuts, as is paying the bank to check your statements for you. Paying a firm to do it for you isn't a bad option and if you’re one of the 13% of people who are owed over $10,000, this will cost you over $2,000 in fees.. Why not use the same kind of software these firms use to find banking errors every day for a fraction of the cost? To order your copy of Loan WatchDog Pro now click here.  If you're wondering how difficult the program is to use please read on. The software was made for non-computer users so it is very easy to use. You just type in the start and ending dates of your statements, the interest rate (or several interest rates if the rate changes during the month) and the changes in the balance of the account and the software does the rest. "I would like to thank you for such an easy software package which is very user friendly" Irene James The software can check all sorts of accounts for you, off-set accounts, lines of credit, variable home loans, any type of account no matter what fancy name your lender gives it. We are yet to find an account we cannot check. Click here for a list of accounts the Loan WatchDog Pro software can check. “A mistake at the beginning could prove pretty expensive over the long term” Paul Clitheroe - Commentator for Money magazine "Fantastic software, easy to understand and to use. The software was well worth the investment as I found the bank has overcharged me about $1200 over two years". Angelo L - Kilburn (SA) One of the most powerful features of the software is the Mistake Compounder. It is great to find a $300 error on your statement from 10 years ago and even better to get the money back. What most people don't realise however is that it is probably less than half the money you are actually entitled to. In addition to the money taken from your account interest has also been charged on this money - compounding every single day for the last ten years. With the Error Compounder you can now chase every cent you are entitled to. Now I am sure you are probably thinking, "can't I do the same with a spreadsheet?" Yes, some people may be able to but firstly you must be sure you are using the right formula and secondly you will need to know how to do some pretty complicated programming to make sure it's accurate. So even if you could do it, why waste the time and effort when we have gone to all the trouble for you? I just found the compounder and over 5 years the bank owes me nearly $1,000. The biggest error, found in the last statement was $470 so I am very happy. Have another 2 loans to enter yet!   Jacqui Smith The Banks Want To Give Your Money Back. We are frequently asked "will the banks actually give me my money back?" The answer is of course they will ... as long as you can prove to them that they have made a mistake. The banks actually want to correct their mistakes and give you your money back. Recently Mr Haydn Park, the head of corporate relations of a major Australian bank has said "When someone comes to us and says ‘You’ve done something wrong, then we don’t quibble, we do something about it.". But if you don't check your statements and find the errors to show the banks where they have gone wrong you will never know just how much you have been overcharged. No other program we have tested can make this claim. With your Loan WatchDog Pro software not only are you guaranteed to find errors in your bank statements (see below for details) but we also back this up with a "100% accuracy guarantee". The Loan WatchDog Pro software uses the internationally accepted formula for the calculation of bank interest.  As a result the banks have to take the results seriously; they have to accept the print-out which means you will get your money back. We don't just claim our software is accurate, we GUARANTEE it. If you ever find errors in our software we will refund your money in full immediately no questions asked. As we said above the Loan WatchDog Pro software is only a fraction of the cost of the other alternatives.   "I used the Loan WatchDog Pro software to check 2 years of my loan and found errors of $353.51 (and this was on a very small loan of only $50,000). I then used the built in Mistake Compounder and I am delighted to say that the bank has just deposited $1,250.00 back into my account to reimburse me for their error." Jouko Hakola

 

Credit Card Watchdog

Are you overcharged? You assume you know the interest rates and credit limits on your credit cards. You assume the charges are correct and the credit card companies are calculating your payments accurately.

Loan Watchdog Pro

Are you overcharged? If you want to find out how to stop the banks, credit card companies and other lenders from taking advantage of you through errors and faulty systems, then keep your eyes glued to this page for the next 3 minutes; you are in for some shocking surprises.  The banks have probably already overcharged you many times this year without even knowing it.

"If You Have A Mortgage, There Is A 50/50 Chance That By Fraud or Incompetence
Your Bank Is Overcharging You” 

New York State Attorney General - Robert Abrams 

This Is An International Banking Dilemma That Is Finally Being Exposed!

Here is some more shocking facts...

Government studies into home loan overcharges have shown that;

• 45% of homeowners are due a refund in excess of $1,500
• 21% of refunds due range from $3,500 up to more than $10,000
• 13% of homeowners are due a refund of over $10,000
• 70% of existing escrow accounts violate federal law by holding excessive balances

Just over 1 in 10  People Reading This Page Are Owed Over $10,000.

This well kept secret has been featured on CNN, Money Magazine, Current Affair, Forbes, etc. But I bet you have never heard of the epidemic.  Why...the news media keeps it low key and those that know about it make millions every year and don't want you to know about it!

Fact; According to the Federal Deposit Insurance Corporation (FDIC), the government agency that insures or guarantees your bank deposits stated, home loan errors are costing...

American homeowners $10 billion dollars each and every year!

Just think, that's $13,620 dollars for every loan home loan at a fixed 5% over the coarse of 30 years, and this figure does not include all the variable rate loans that are out there...is yours one of them?

There is a 99.94% chance that it is!

The banks have probably already overcharged you many times this year without even knowing it!

Before leaving this page you will do one of the following...even if you think you haven't decided...

Option 1: The first alternative is to either "think about it" and continue doing nothing and let the banks keep on taking advantage of you to the tune of $1200 a year on average. We suppose this is the "ostrich" approach, stick your head in the sand and hope it goes away, good luck with this one...you're going to need it!

Option 2: Ask the very same people who got it wrong in the first place - the Banks - to check your statements for you.You can do this, but generally they charge an average of $200 an hour to do this for you. That sounds smart, do you really trust them to get it right the second time around when they could not do it the first time? This is like putting a fox in charge of a hen house!

Option 3: Pay a firm that does this for a living to check it for you. The interesting thing to note about these companies existence is...there is enough banking errors that they make a pretty health full time income doing this!  The downside...they charge an average of $55 per statement, per month  and 20% of the refund to do it!

Option 4: Use a dedicated piece of software using internationally accepted formulas to calculate your interest bill to make sure the banks aren't stealing your money...for less than the banks hourly rate!

It's Really A "No Brainer"!

If you are like many people you may be tempted to think that "this cant happen to me" or that "this isn't a real problem" and its getting blown out of proportion. 

Before you you make that mistake think about this...

Just one major bank found they had overcharged fees on 55,000 customers with refunds exceeding $52 million dollars...that's an average of $945 dollars per person!

What we find pretty amazing is that the banks found the problem NOT the customers.  That means that 55,000 people didn't notice the better part of a $1000 missing from their bank accounts!

You may be thinking "I would notice $1000 dollars being overcharged my mortgage account"...but we're sure if you call and ask those 55,000 people they would of told you the same thing before the bank informed them about the "little blunder" the bank made after enough media attention!

Just sit and be logical for a minute...do you know how to audit your mortgage statements? 

Ask yourself...are you like every other person who just has direct withdraw payments or just sits down and writes a check every month trusting that the banks are right?

And really, did it ever cross your mind that the  banks could be over charging you on your mortgage...of course not...it didn't ours either!

The reality is...the average person doesn't know how to audit their statements and most of us just pay our mortgage payments trusting that the banks wont make an error...

"In accounts for my clients, I have discovered overcharges in approximately 75% of the cases. The total of all mistakes, including interest, fees, and other irregularities amounts for over $500,000" -Joe Naggy, former Citibank executive who now runs Midmark Financial Services. "The incidence of errors is extremely high.  We recently checked 282 normal statements and 152 of those were incorrect. It's really alarming!" -John Scilly, former executive with Advanced Bank. "The statements are never clean, {citing the experience of some 350 clients} "Significant errors" occurred in 90% of statements" -Roy Brown, Managing Director of IRB

The real problem is bank statements are difficult to read and are not always what they seem.  Some errors are very difficult to locate if you don't know what to look for.

The Average Home Owner Is Due $1500 Dollars! 

Doesn't Sound Like A Few Cents To Us!

Are you one of the millions of Americans who are struggling to keep up with those interest hikes on your variable rate loans? 

Do you ever wonder if that $100-$500 or more jump in your mortgage payment is correct? (we know of one that jumped $1300 dollars in one month)

Is that payment difference going to drive you to sell your home or desperately seek out a refinance that you wont be able to obtain?

Is that difference going to drive you and your family into financial ruin like all the others that are facing foreclosure because they cant afford the new payment and have no way of checking if its even correct?

You do have a choices here, spend $199 bucks on the Loan WatchDog Pro, or you can pay a firm $55 bucks per statement, for six years worth that's $3960 dollars plus 20% of the refund, pay your bank $200 bucks an hour to do it for you and trust them to give you an honest answer, struggle trying to make payments that you don't even know are right,  or just buy the same software the firms use to find banking errors for a fraction of the cost!  Its a bit of a no brainier isn't it?

There is a way to keep the banks honest.  We have a simple and powerful tool to check your bank statements quickly and easily and most importantly...100% accurately!

As you read above the FDIC and the New York States Attorney along with all the banks have known about this for quit some time...why have we not been told about it? It makes them millions!

 We Have Always Known That The Banks Were Stealing Your Money...We Just Could Not Prove It! 

Until now!

Using the Loan WatchDog Pro we all have a way to keep the banks honest!  There is something that you can do about this so you don't have to be a helpless victim of the banking system.  Average home owners are getting their money back everyday.  There are thousands of real life examples of people who have been overcharged and been repaid anything from $500 to over a staggering $130,000 dollars!

Aren't you just a little curious, you know you are...you know you don't trust the banks!

The software can check all kinds of accounts for you, lines of credit, variable rate home loans (which contain more errors than normal), off-set accounts, or any other account no matter what kind of fancy name the lenders give them.  We are yet to find an account the software cant check!

You're probably wondering how hard the software is to use...its made for non-computer users so its very easy to use.  You just type in the start and ending dates of your statements, the interest rate and any changes and the changes in the balance of your account....the software does the rest!

"A Mistake In The Beginning Could Prove Pretty Expensive Over The Long Term"
-Paul Clitheroe, Host of Channel 9's Money Show and Chief commentator for Money Magazine

"I used the (Loan WatchDog) software to check 2 years of my loan statements and found errors of $353 on a very small loan of $50,000.  Then I used the built in Mistake Compounder and I am delighted to say that the bank has just deposited $1250 dollars back into my account". Jouko Hakola

"Hey Guys, fantastic software, easy to understand and use.  The software was well worth the money as I found the bank had overcharged me about $1200 dollars over two years".  Angelo Likouras

One of the most powerful features of the software is the Mistake Compounder.  Its great to find a $300 dollar error on your statement from 10 years ago and even better to get the money back.  What most people don't realize however is that it is probably less than half the money you are actually entitled to.  In addition to the money taken from your account interest has also been charged on this money - compounding every single day for the last ten years.  With the Mistake Compounder you can chase every cent you are entitled to.

Just think if you were to go back to all of the mortgages you have had and ran them through the Loan WatchDog Pro...you could have a small fortune!

Now some of you are thinking, "can't I do this with some sort of spread sheet?".  Yes, some people may be able to, but first you must make sure you are using the right formulas and secondly you will need to know some pretty complicated programming to make sure its accurate.  So even if you could...why waste your time when we have gone through all the trouble for you?

"I just found the compounder and over 5 years the bank owes me nearly $1000 dollars!  The biggest error I found in the last statement was $470 dollars so I am very happy and still have two more loans to do. Jacqui Smith

The Banks Want To Give You You're Money Back!

We are frequently asked "will the banks actually give us our money back?" The answer is of course they will...as long as you can prove to them they have made a mistake.

The banks actually want to correct their mistakes and give you your money back.  Recently Mr. Haydn Park, the head of corporate relations for a major bank has stated "When someone comes to us and says we have done something wrong, we don't argue...we do something about it!"

But if you don't check your statements and find the errors to show the banks where they have overcharged you...you will never know just how much you're owed!

Its real simple, after you run your statements the Loan WatchDog Pro will print out a letter for you to send to the banks which actually shows them were they made the mistakes. From that point on just keep checking month after month and you will continue to find errors...the don't stop!

The Loan WatchDog Pro is so powerful we will guarantee that you will find errors on your statements with a 100% money back guarantee...we will give you an additional $100 dollars back just for your time!

The Loan WatchDog Pro software uses internationally accepted formulas for the calculations of bank interest.  As a result the banks have to take the results seriously; they have to accept the print out which means you will get your money back!

Why is this so important?

There are a few other pieces of software on the market that claim to be accurate, we know  because we've tested them out.  We checked them because we wanted to make sure that you have the very best tool available to get your money back from the banks.

See, before we give a guarantee (you wont find another guarantee like this), we had to be prepared and make sure ours was the best...

No Other Software Guarantees Results!

Why do you think that is?

Everyone knows "you get what you pay for!" Why would we put you at risk of potentially getting thousands of dollars of your own hard earned money with some "free ware" that has fundamental mistakes built in?

Why would we put you in a position of embarrassment in front of your banker?

Why would we put ourselves at risk with a guarantee that give you an extra $100 dollars if you don't find errors?

We wouldn't!

Do you have any idea how much we have to loose if we are not accurate?  It could be in the millions!

Just think for a second, this will hit national news here in the states, do you really think we could put ourselves in a position to look like fools?

We just don't claim the Loan WatchDog Pro is accurate...we GUARANTEE IT! If you ever find an errors in our software we will refund your money back immediately...no questions asked!

Find Errors In You Bank Statements Or We We'll Give You An Extra $100 Dollars For Wasting You Time!

This is not your typical offer, the real question is "can I afford not to buy it?"

We challenge you to find anyone else claming to have a solution to finding bank errors who will match our guarantee.  We cant find them... and neither will you!

You might be concerned that you will order the Loan WatchDog Pro and not find any errors in you  bank statements.  We totally understand that but we are so confident that you will find errors in your bank statements that we are willing to give you a full refund plus and extra $100 bucks! If you don't find any errors in your bank statements over a 4 year period not only will you get a refund but extra money to boot!

And what if your mortgage is not 4 years old...you still will find errors GUARANTEED!

That's confidence!  It doesn't get any stronger than that no matter where you look!

We insist that you order the Loan WatchDog Pro entirely at our risk. That's why we are offering it totally risk free, with a full refund plus an additional $100 dollar guarantee!

Why Are We Going To Such Great Lengths?

We designed this guarantee for the 99% of people who are honest, but naturally cautious...not the 1% who'll take advantage of us. But more importantly... since this program was introduced to the public there has only been a tiny 0.057% of our clients that have had no errors.

So Why Would Ever Think That You Are Not One Of The 99.94% Of People With Errors Waiting To Be Found?

So as you can see the chances of you not having errors is staggeringly slim (in fact less than 1%).  We want you to check your mortgage statements and get your money back from the banks, "we don't want you to feel that you have been out of pocket in any way."  If by any chance there are no errors in your statements than we are the ones who wear the cost...no you!

We cant afford to make this offer because the chances of you not finding errors in your statements are so incredibly small. You could say we are banking on the banks to get it wrong!

By ordering the Loan WatchDog Pro right now only one of two things can happen...

Both Of Them Result In You Getting A Check!

1.Order the Loan WatchDog Pro, find errors and your bank will give you a check or....

2.Order the Loan WatchDog Pro, find no errors and we send you a check.

Either way...YOU WIN!

You see we've made it simple... its a win-win for everyone except the bank!

Are you ready to get your money back from the lenders?

Your in a fantastic position...not matter what happens as a result of buying the Loan WatchDog Pro someone is going to write you a check.  Either the bank or us...its very simple!

Just think, you are at a point now that you are going to spend money, whether you like it or not...its up to you how much! To do nothing and take your chances that you are in that 0.057% of people that are not owed by the banks or order right now and find out exactly how much you are loosing or getting ripped off by the banks.

Either way you are spending money!

Listen, we are not asking you to bet on something you're going to loose at.  Its just the opposite...you cant loose either way!  Its the most secure bet you'll ever make.

So how much is this incredible software...its a whole $199.99 bucks and literally within a few minutes you could be checking your statements.  Its that easy!

Order your Loan WatchDog Pro online now and get you hard earned money you deserve.