Unbelievable, but this bank held a 2nd TD (HELOC) loan on a Los Angeles property. Yes, the owner was late on payments 4-5 months due to the nationwide economic downturn. BUT, he started making up those late payments during modification talks. All to no avail. Union suddenly returned the payments, foreclosed, then purportedly sold the real property at auction. Later, he discovered they had been posting an auction sale during the time of the modification talks. As if that’s not bad enough, they never noticed him of the foreclosure OR the pending auction sale. WATCH OUT for Union. They don’t play by the foreclosure laws AT ALL.