where housing of poor people people live in houses are rows because they can't afford to live anyplace else san francisco is one of the most expensive places. in the world and certainly the contrary in the shelter when we. we once get in it's six pm and the afternoons. if. it's a six pm day for get in. there if you want to get in more airlie you can. that's the rule and you can wait outside. u.k. you need so where else. eve feasts raining if. you can stay there. if you go at six forty. this stuff they will

going to park is the rules for the show to. get in the six pm get out six six a you. don't want to live with. so this is the inside of an s.r.o. and what you should know is that district recently underwent motivation and so what you're going to see the is actually a little nicer than what most of sorels are but this will give you an idea. so. as you can see. it's not that big this is basically an s.r.o. now think about how say there's like a bed here ok. you know maybe a chair maybe

a dresser and that's it now imagine that it's not just one person but it's a husband and wife imagine it's a husband and wife with two kids a magic it's a husband a wife two kids and a grandmother we can leave anything in the shelves. in here's the big roll that. is. my shoes. nick let's put the baby. is healthy. had made it. into her first class. and here is

a shower. maybe like twenty five people have to share this shower. that bathroom as well as the other brasil. could you live like this. for you know ten years fifteen years twenty years with a family. in the florida shelter i live in the. two fifty five. and up but the man to take. to a. little space this. studio led to so spencer because his in the from the city college. there before i work well i work all day. and they give so money fifteen hundred dollars for a bit two weeks for work every day all day. we

had no problem to eat to heat the children weren't cold. but now it's oh a bad sometimes i feel like crying because i don't like nothing thanks. i don't like to walk around all day was the kids in the cold me. nobody chooses to be homeless nobody chooses to be in and sorrow. this is termed story ok and yet you know supposedly the worse name words in the city if you come down here all. at some out maybe. a

mile and a half away. that's not the real suburb the richest people in the contrary live on top of that hero just a model and a half away from some little part. to queue for home. this month to. the fact that they have it. over back then what you need bytes and i just went through he'll phone needle and how they're going. to come in and fight them in numbers. this olympics. that can.

do nothing about. and these. this overseas government then may you know you know a little bit. of this. thinking the last thing that for them to put some families in that. unit is that look inward the glowing golden state so those problems with livered our sorrow that half the food where is the health of the people the liver now not only is it psychologically damaging but your physical health is at risk. oftentimes the paint is peeling there's mold and mildew. the water's not very clean not very hot sanitary. and

your diet consists of whatever you can get in the stores. and sorry tired tired. of five months of blocking all day every day. that we'll still have hope because. i'm so tired of this. let me you're still around with that. that's what it was i think someplace.

the proximity of rich and poor people you can cross the street you can you can buy drugs crack you know all that stuff from one part of the street and then you cross that street and there's a it's a big huge hotel there is nothing but rich people there that can afford to live in a hotel like that ok and yet there are you did was cross the street so so i mean that makes no sense to me that there are so many rich people and so many more poor people living so close together as am i don't understand exactly how that works.

i have no idea no notion of some private bending race or predatory loans or what they were by mortgage companies. to take a refinance because i have failed back on my mortgage payments my payments escalated to sixty seven hundred dollars this is an unlawful detainer and should notice that i was served this started.

in. two thousand and eight i have been driving my god oh. my. god oh my god i hear today the cops are fighting against the banks not. last year many of you went here and you know my my they are alone service is when they foreclosed on me after a two year battle to save my home by feel tings recent report that eighty people are eighty four percent of foreclosures including mine have by glaciers of california foreclosures all the banks continue to foreclose any big families from their homes now i would like to introduce caroline again. lie dave or have fell

for culture fight or. the last time you were here i took back my home after being displaced for nine months. i was in a four year legal battle against my think and all the things that they stole my loan to on november first of last year with the support of unions community and foreclosure fighters i reclaimed my home. as we progress on this journey to take back our neighborhood i want all of you to join me to occupy his home. yet.

load. after costing trillions of dollars to charge for fighting personal freedoms and ingratiating rent seeking corporations can anyone claim the us in the world is any safer from the main city has plans of terrorists and what is the difference between an act of terrorism in western style humanitarian intervention. right from the scene. of the first street. and i think pictures. on our reporters twitter. and instagram. to be in the know. on mom.

choose your language. make out with. some of. the consents to. choose the opinions that you think great. choose the stories could impact the fortunes access to your offspring. she good laboratory. was able to build a. robot which was. about anything to change mission to teach creation why you should care about humans and. this is why you should want

to. live. where you have reoccupied we're climbing it for the people and we're behind it from probably four brothers we understand it this year i hope you find some moment that is growing and we're telling people about you know lots of excelsior and for all this city it is time to sort of. did nothing wrong you want your premeditated murder alison on some banks because of some gangsters and something.

right. do you think. we should i live. you. know i have zero. zero. zero. zero zero zero. zero zero zero one zero zero zero zero one. five i'm going to. miss this. oh. my god. yeah. yeah. yeah she was i'm i'm. i'm

i'm. i'm i want to move back into my home. my family and i we've created and we started our want to move back into my home from two thousand and eight to the end of this year will see two million homes in that situation in san francisco it's twelve thousand six hundred fifty five in this district in this area fifteen hundred and you know it's a smaller community but then tied district is about thirty five hundred and the fact that it's not a this is not a surprise this is a problem that's been going on since two thousand and eight two thousand and seven and it's like where we twenty twelve you know and it's still a problem. is that tell you you know it's like there has to be real political will there aren't enough laws to regulate the banks and you know they do whatever the hell they want.

the u.s. banking system has considerable freedom indeed from two thousand and one to two thousand and eight one had access to a mortgage no matter your credit history or the reason why you want to do all the bank's board then aid. well to transform loans into stocks to bet on the exchange market the security given by ratings agencies they easily transformed loans into financial security any kind of risk was dumped on the stock market and banks started a period of generous giving and easily accessible refinancing. and here you have you know these loan programs that made it very easy to borrow money and you didn't have to qualify you didn't have to show the income and the government is saying help people borrow money make it easy for people to borrow

money in the investment bankers are saying we can make a lot of money or people can borrow money let's relax all the rules. so this is a standard what they call ten o three form it is a loan application that a client would complete when they're looking for a loan we go to the next page and we see where they put their income now as i said in the old days they would just write a number in there and the banks in some cases wouldn't even verify that that is actually the amount of money made you know i lend you two hundred thousand dollars but you only have to pay an interest rate of one percent but the real cost of you borrowing might be four percent or five percent or eight percent so there's this tremendous disparity between what you were paying for the loan and what you were being charged for the loan does about the size and the weight of the loan

application from two thousand and one two thousand and one through two three four five six seven this is pretty normal this. is normal. and i think this is done on purpose the banks make it as complicated as possible in this transaction you may sign. i don't know let's say two hundred different forms that are forms that explain what you're citing and very few if any probably none clients actually read those documents but he don't have to do anything just sign here well maybe dad wasn't that well educated any signs of paper because the person who comes to the home is a very nice person says just sign here your payments will be one percent don't worry about it and there are people that believed people like that and that is also true so there were people who were unrealistic every step of the way from government investment bankers greed on the part of the borrower ignorance

unfortunately on the part of the borrower dishonesty on the part of the banks some of the people that work for the banks that were in charge of making sure people wrote loans and made loans to people yeah. because the bank had very little liability even though that bank made that loan that they knew was very risky where they may be lending one hundred percent of the value where they may be lending it to a person with bad credit where they may be lending it to a person who they haven't even verified their income they were turning around and within thirty days selling that loan to an investor taking away their liability so they made all their fees and their money upfront in originating the loan but then had very little at risk because they were able to package all these loans sell it to investors. and that's that's the reason why they made them that's the reason why the thing went wild during that period and you know it's it's

the big mortgages and i'm not not mortgage but the big institutional banks that package the soul of the international investors europe was definitely in impacted by buying these. what were supposedly safe investments because they were backed by homes in real estate in the united states but they weren't safe because they they were done so so poorly. i. love hats the last says the classic board but i

want to. find out. what it was. that was that. mild of. the tongue. out of my mouth. at the bottom of it. so trying to take the shit out of it. was not the. right to come up with the club to work with. you but even though at the bottom of it it was fun to provide the bottom. will not. come out of. our cars. have. got a story. to us and the thing that is strange is that nothing reaches us no lectures

no warnings just today they've bought your house and you have to go but nothing has arrived in. the world cup for the world cup. but a cracker or a car across. to most of us we have all the evidence document slow. tears that we have sent to modify the loan that the bank suddenly sold our house during the process they never said no or yes so you will not be just sold it i mean.

that's. how. our. i know i know i am not sure how. i. am. going. to. gina green is the director of the center for responsible lending a financial consumer protection agency to task evaluating which financial instruments are unfair to the client after talks of mortgages gina green and her center are now interested in irregularities made by banks important closure procedures.

so where east oakland were in the neighborhood east oakland hills it is a predominantly african-american community. and it was really you know this is one of the neighborhoods in oakland that was really rocked by foreclosures in fact he'll notice in california that african-americans and latinos where just. actually affected by the foreclosure crisis the assessor felting in san francisco he did he took a sample of loans and looked at them and found that they had widespread problems that's just a sample so if we were to actually look at the entire universe of loans we would probably fine comparable statistics for the whole and many people might have been erroneous lee foreclosed upon so what that means is that folks who have been displaced who have lost their homes who have had to move in to relocate might not

have been required to do that they might have been able to stay in their home it's really dangerous when we think of from my perspective one of the things that i'm often troubled by is that five six years ago. the marketplace was churning out these really bad loans and now they are churning out foreclosures and with the same disregard you know those loans they made in two thousand and ninety nine should never have been made and now are having foreclosures that should never have happened. wells fargo is one of the five largest u.s. banks involved in the mortgage scandal recently it's been accused of racial discrimination by the city of baltimore for forging the records of many of its african-american customers.

i've seen the perception of the cross many times it doesn't matter if there's snow a heat wave or hail stones from people keep going i didn't expect anything just one i told myself i keep on going as long as my heart told me to that's all i want to at the moment. hanson so mind she see i'm carrying these sayings on my shoulder. do you want me to put a bandage here no that's fine a lot of people were so exhausted they could barely walk their feet hurt and some

of them fainted google read back to it three to wanted to keep going i don't know what tomorrow will bring. down load. up location so. choose your language stream quality and enjoy your favorite. if you're away from your television just doesn't sit well with your mobile devices you can watch on t.v. anytime anywhere. limitation and free liquidation free in-store charge is free to make amends the free. three stooges priests the old free blood counseling video for your media projects a free media dot com. olympic

gold colin her. mum. goodspeed. her. her. mum. looks. like a missile a good. place to play lists . and. her. little.

interview her. little clip. to. cut. cut. cut. cut cut.

the lawyer assisting edward snowden says the whistleblower won't leave the transit zone today. as had been expected because he's paperwork is not yet ready. the situation in iraq is spiraling out of control with al qaida prison breaks and fresh terrorist attacks setting death tolls. just across the border in syria militants linked to the same terrorist group holed up to two hundred kurdish civilians hostage we try to gauge the many faces of the country's opposition.