Reading the article I find it is devoide of the human element. A computer goes by some numbers and ticks off an Action letter that is taken as sacrosanct even to the extent of putting up a lock in a house that ought not to be attached. I’ve got a feeling these mortgage service agencies are paid on the basis of number of notices issued and they act indiscriminately. It is bank’s responsibility to assure action taken is legitimate to start with. My suggestion is Article 13 UNCAC: Participation of Society. Let consumer group be formed in every precinct, represented by a Trustee in the Board of the banks who would oversee the effective functioning of the foreclosure procedures from setting-up to execution.
It’s an interesting idea. I’ll need some more data on Article 13 UNCAC.
James Pilant
Pilant's Business Ethics Blog 
Thanks JP. Humor is welcome and the American humor I enjoy most, of course is of Mark Twain and in this context ‘a man cannot be comfortable without his own approval’ seems to be appropriate. I like the picture and google is doing me a favor no doubt.
Coming to Article 13: UNCAC I give below the extract that is meant for dealing with ‘corruption’ that shall be analyzed to the extent and context of ‘foreclosure’.
Quote” Article 13. Participation of society
1. Each State Party shall take appropriate measures, within its means and in accordance with fundamental principles of its domestic law, to promote the active participation of individuals and groups outside the public sector, such as civil society, non-governmental organizations and community-based organizations, in the prevention of and the fight against corruption and to raise public awareness regarding the existence, causes and gravity of and the threat posed by corruption. This participation should be strengthened by such measures as:
(a) Enhancing the transparency of and promoting the contribution of the public to decision-making processes;
(b) Ensuring that the public has effective access to information;
(c) Undertaking public information activities that contribute to non-tolerance of corruption, as well as public education programmes, including school and university curricula;
(d) Respecting, promoting and protecting the freedom to seek, receive, publish and disseminate information concerning corruption. That freedom may be subject to certain restrictions, but these shall only be such as are provided for by law and are necessary:
(i) For respect of the rights or reputations of others;
(ii) (ii) For the protection of national security or ordre public or of public health or morals.
2. Each State Party shall take appropriate measures to ensure that the relevant anti-corruption bodies referred to in this Convention are known to the public and shall provide access to such bodies, where appropriate, for the reporting, including anonymously, of any incidents that may be considered to constitute an offence established in accordance with this Convention.UNQUOTE
LikeLike
Are you two stalking me for money or is this a natural trait which you are indulging in?
Sonia
LikeLike
If you like, let us put an inspiring story for your students. Two old ethics bloggers stalk a single woman blogger who is a fellow risk blogger.
How about it? Or James would you like to delete this post and comment to, to save your reputation of being an ethics teacher?
Sonia
LikeLike
What are you talking about? After your message I erased all comments, deleted all references to you on any blog posts(I haven’t done them all yet.) I have removed you from all favorites. What do you want? I can’t e-mail or write about Jayaraman Rajah Iyer?
I will never go to your blog ever again under any circumstances.
LikeLike
I’ll leave these comments up as long as the author wants. jp
LikeLike
Thank you for deleting your sarcastic posts and comments. I do not appreciate your humour or sarcasm. Neither do I apprecite being collectively stalked by men who in my humble opinion neither have manners nor ethics.
Whom you assiciate with is your wisdom and decision. However, kindly stop stalking me and using my name for getting introductions, and refrain from attempting to damage my reputation.
Kind regards,
Sonia
LikeLike
I didn’t see the replies for a couple of days. Maybe I have not understood the American Humor nor I could think of any connection to Sonia. I thought it was between JP amd ,yself. Sonia, my apologies if you feel otherwise.
Jayaraman Rjah Iyer
LikeLike