aging · Bad Faith · Building Contractor Scam · Civil Court · Criminal Organizations · Disaster · fraud · Insurance · Insurance Claims · Insurance Scam · Paralegal Studies

Safeco and the Department of Insurance

Safeco defrauded me. Adjuster Kent Stiles scammed me with the assistance of Nahal Mazandarani, Field Adjuster and a contractor, Vince Paglia and Associates.

Mazandarani brought Paglia to my home and insisted that I should use his services as I would be afforded warranties and work guarantees for three years. I was assured I was working with a preferred contractor through their Innovations program. My project would by supervised from start to finish, and I would have no worries … except that instead of repairing only one room, I’d have to have a completely new house … because my home had no foundation. This news was conveyed orally. I never saw the whole-house red tag that was allegedly issued by Los Angeles County Public Works and used to justify destroying my home of over 60 years. Kent Stiles “approved” the rebuild, but carried the project as repair only. He never reported to Underwriting that my entire home was rebuilt. Paglia never submitted plans for a rebuild, but had this structure built from a rough drawing of my home.

Now, the scapegoat subcontractor is dead and Paglia has called to intimidate me into making a settlement for much less than I am owed. He told me straight out that I would never get the more than $80K he was paid for materials and services not in existence here. At the end of his call, made from his car so no one could hear him, he said I should just forget we had this conversation. Really?

All of this has been reported to the Insurance Commission, but that agency is only as good as the agents who work the claims. My agent is working for Safeco. I am blocked from making any more claims without the approval of the adjuster and his minions in charge of plundering my claim funds. They had me state I wanted to make a new claim. I had to swear I was not .trying to get any more money on the old claim, which was supposed to be closed. Except it is never closed and my file is forever under surveillance. I had to provide a date of loss different from the old claim. I had to provide a cause of loss. My date of loss was taken from the Contractors State License Board citation of Paglia, wherein it is stated that the date of occurrence was 6.20.2016, three days after Kent Stiles took over my claim from the original adjuster who had worked it through to final payment, $48K. Stiles pushed the costs up to $430K, at least on paper. Many receipts in my claim file are for materials that are not here. There are documents full of misrepresentations. None of the documents cited as reasons for destroying my home exist. The contractor had the nerve to list himself as the owner of my property in order to demolish structures that were not damaged.

Through over two years of correspondence, the agent from the Department of Insurance failed to get answers to pertinent questions about my claim, failed to get requested documents, and he has treated me with contempt and condescension. He sees nothing wrong with the way my claim has been handled by Safeco. He is the reason I wrote to Consumer Affairs to question why DOI is the only agency consumers have to appeal to when being defrauded by insurance companies.

Safeco is corrupted through and through. I have a thing for chain of command, so went through the hierarchy in an attempt to have someone check the adjuster. Safeco has a Presidential Service Team, the last resort after talking with supervisors and managers. That representative was supposed to assist me resolve the problems I was having with Stiles. Instead, she also worked to support Stiles and his lies, assisting in the gaslighting that is a hallmark of this scam. All interactions have been documented in emails that are in my claim file, but the DOI agent has not bothered to review any of them. He allows Safeco to abuse me in the hope that I will quietly go away in utter frustration.

Well, I am as frustrated as I’ll ever be. Now, this is an obsession to find out just what the consumer has to do to be heard and helped to stop unscrupulous corporations, criminal insurance companies that are supposed to have a fiduciary responsibility to consumers, from defrauding us.

aging · Class · Community · ethnography · excess death · Homeless People · racism · trauma · white supremacy

Causes of Black Excess Death

A friend sent me a video in Messenger that detailed many of the ways you can end up dead in America if you happen to have been born Black. It stung me. It is the 21st C. and we are still with this white supremacist bullshit.

The video made me think about Emmett, that and an article I read by Dr. GS Potter, who seems to be a phantom, about why we can’t automatically believe all women when they cry sexual assault victim. I thought about the parallels I drew between Emmett Till and Tom Robinson in To Kill a Mockingbird. Both dead as a result of doing something ordinary, both dead because of the believed white woman’s word.

When I feel more composed I will figure out how to embed the video. I want to have the ability to watch it several times. Emmett Till died as a result of purchasing penny bubble gum. Tom Robinson ended up convicted and dead because he offered kindness to a poor white girl, abused by her father and sneered at by the townies. Philando Castile hurts all the more because he was riding in his girlfriend’s car with a young girl child in the back seat, because he’s dead and mother and daughter are traumatized how many ways ’til Sunday?

Doing mundane things can get you killed in America if you are visibly Black. Sandra Bland is dead because she allegedly didn’t signal a turn.

What the fuck is this?

HOMELESS PEOPLE. IT IS A VIOLATION OF HUMAN RIGHTS TO TREAT HOMELESS PEOPLE THE WAYS WE DO. DENIAL OF A PLACE TO RELIEVE ONE’S SELF, DENIAL OF WATER, VIOLATIONS OF HUMAN RIGHTS.

Why do we have people living on the streets in large numbers in America and that shit’s okay? We officially have pavement dwellers like those I observed in parts of the Indian subcontinent that were, at the time, suffering large in-migrations of rural people into the cities, looking for work. They lived in the garbage dumps. In America, the area surrounding the homeless is turned into a dump because of lack of access to the basics: a place to cook, a place to squat it out later, a place to lay your head.

Seems so simple, the fix to this. So many rich politicians could afford to house all the homeless people on their many properties. Why do we, the people, allow these conditions affecting people just like you or me, to persist? Are we truly anesthetized? Are we truly that unfeeling? Is there no longer any creature recognition going on?

What the fuck is really going on, people?

In 1955 Money, Mississippi, Black people had a greater chance of being lynched, and of having the lynchers get off because of the low prosecution rates for violent crimes against Blacks, but in support of white female purity and white male superiority. Carolyn Bryant only recently confessed that she lied. Her believed lies got a 14 year old boy tortured, mutilated, slaughtered.

Hikkikomori looking better and better e’er day.

aging · Craft · death · friendship · observations · Religion · Sexualities · social observation

Type, Don’t Write – Take 2

The wind is high. Already, several tree limbs have hit the house. The first one was slender, showed signs of termites, hollow inside, ripe for being blown down.

Anxiety. What good would it do to call the insurance company? The tree should have been removed instead of my home. What good would it do to call the contractor who botched this job royally? I hope he used my claim funds for something worthwhile, like curing HIV/AIDS or the Oval Occupier.

Women are under attack, but they have always been under attack. We are not counted among those created equal. It is no accident that only men are mentioned. Just like it is no accident that God is allegedly a male. That’s sex. I never thought God had a sex. What need of sex has God? When the myth got started that Jesus was God, I lost all interest in Christian religions. I know they’re gonna be struck by something and I don’t want to get smote.

The Old Testament God was angry, jealous, would tear shit up, or inflict horrors on pretty innocent people. At least, I understand this God. He’s petty.

With the New Testament we throw out the petty God and claim Jesus is God and his son. That’s some hellified double relationship. God made a baby who was Himself. A woman was used.

Women constantly get used. I’m ’bout fed up with that. But women find it difficult to stand together. Wasn’t always this way, but it seems to be the case today. Maybe it’s generational. Women were in competition for men, so they were bitchy to one another. Let a woman get a man and she will abandon her women friends in a combination New York/LA minute. Cisness is death to women friendships.

My best friends were always lavender ladies. They know how to party. They know how to be quiet and comfortable together. They know how to be friends. I wish everyone was multisexual, especially the Christians.

Why do Christians have so much interest in other folks’ naughty bits? Why are they always trying to make women have babies they can’t care for? Why don’t they have as much care for the living as they do for the “pre-born”? I’d like to see a 6 week foetus survive on its own, no machines, nada. Just pretend it is born.

What happened to procreation being a job for two? If the women are being penalized for getting pregnant, why aren’t the men who impregnated them getting some sort of punishment? Punitive. That’s what Christians are. They are sadistic and mean.

Of course, there are sadistic and mean people everywhere in America. They exist in every religion, every ethnicity, every age group, every sex. But Christians, maybe evangelical Christians stand out for their love of death. They would rather see you dead than not believe the way they do.

I don’t know about this type, don’t write thing. I get to saying stuff I think but don’t say. I don’t like confrontation. I don’t like hurting other people. However, there is more room out than in. So, there you go.

aging · AS · Craft · Homeless People · observations · Religion

Type, Don’t Write

All sorts of info, directive filters into my headspace. The title is a result of this seepage. Either I read this dictate, saw it in passing on television, likely in an ad, or it was splashed at me through subliminal advertising. Who knows?

Doing so many things in a day. Ramadan always calls for a period of adjustment, generally a turning around of activity. Eating and drinking can go on during the night, but dawn sees the resumption of the fast. Day is now for contemplation. Night is for getting things done.

Night offers quiet. Getting things done must be accomplished in quiet. It is a blessing. It is calming. It is a refuge from the surrounding madness. The homeless remain, increasing in number. What need have I for pictures when the blind cannot see them? Mummy could ignore a lot of things because she was deaf in one ear. Ceaseless drips from a faucet set my teeth on edge.

Type, don’t write. Need to read more Faulkner and O’Connor. 1955 was a significant year. Read Faulkner’s coverage of the Kentucky Derby of 1955 in Sports Illustrated. Got no need for sports, but I do love horseracing. So many Black men built that sport. Built the South. Built the nation. But The Misfit runs the nation right now. Flannery said so.

The recitation continues. May your Ramadan bear fruit.

aging · AS · observations · Paralegal Studies

I Need a Lifeline

Haven’t knitted a thing in days! Thought April would never end. Now, the day after May Day, International Workers Day, I must pick up my work in progress and add a lifeline as an afterthought because my Bird’s Eye Lace section is off.

A day without knitting is like a day without knitting, I tell you what. I don’t like having to do without. So many tasks to accomplish in April, but at the least my property taxes have been paid and should be lower the next time I have to pay them. Nothing is more sure than death and taxes.

Completed my interview with Pissed Consumer. That was difficult as it was hard to find a neutral background in this rectangular rat trap.

Spoke with Building and Safety and have to laugh every time I think of the excuse I was given for the CFO (Certificate of Occupancy) that was issued to Vince Paglia having an issue date of 21 September 2017 when the structure wasn’t given final approval for occupancy until 11 January 2018. CONSUMER ALERT A contractor submits the CFO to the insurance adjuster to receive payment. It is a form of proof of work completed. Vince Paglia had this document in February though the Permit Date on the CFO is March 2017. My home was demolished in February 2017, the month the first check was issued to Paglia. There is no itemized statement in my claim file to provide a breakdown of the payment and Kent Stiles will not provide the statements no matter how many times I request them.

I asked the representative from Building and Safety if it was usual to issue a CFO when there was no structure standing on the property and was told no, the issue date was a “typo”. In 30 April 2019, the CFO issue date of 21 September 2017 is damn near two years old. Helluva duration for a “typo”. If I’d never brought the discrepancy to anyone’s attention, that “typo” would be word.

It takes a long time to get over being gaslighted for a couple of years and then having to go through the grueling ordeal of uncovering the evidence, following clues to get a documentation trail established. Research and investigations is long, tedious, hard work.

A typo. Picture me laughing.

aging · Bad Faith · Building Contractor Scam · Criminal Organizations · Insurance Claims · Insurance Scam · Law · Probate Housing Creditors Mortgages Mortgage Fraud · trauma

AVOID SAFECO INSURANCE AND PROTECH CONSTRUCTION continued

From $48K to $430K. How did we get from one point to the other? Very illegally, step by step.

In the midst of being packed out of my home, I chanced upon a letter from Safeco that said my insurance was going to be cancelled for non-payment of the premium. I couldn’t understand why that would be because my premiums were pulled directly from my bank account and there was plenty of money to pay it. I called to correct this matter and found out the mortgage servicer who accepted payments for a loan my mother had before she died replaced their name on the insurance as a lienholder. Following the probate proceedings, where no claim was made against the estate by this loan servicer or any other entity, and I was awarded the property, free and clear, I removed MGC Mortgage from the homeowner insurance that I had been paying for years without my name being listed on the property.

MGC Mortgage, who I later learned represented Beal Bank in Texas, called Safeco and had their name replaced on the insurance and told Safeco they would be responsible for paying the insurance going forward. This is how my premium came up for cancellation; MGC Mortgage aka Beal Bank was trying to gain control of my property for the sum of $25,5K. They failed to pay the premium because they were trying to steal my home based on a false claim of having a Trust Deed against the property.

I don’t know when, exactly, my premium payments stopped coming out of my bank account, but it must have been just prior to the tree fall. My complaint about this led to the loss of my first adjuster, Trevor Haaswyk and opened the door to the King of Rip-Off Kent Stiles.

I will add to this story over the course of the day as I remember all that has transpired since 22 April 2016 continuing to today.