Bad Faith · Building Contractor Scam · Criminal Organizations · Disaster · fraud · Homeownership · Insurance Claims · Insurance Scam · Law · Paralegal Studies

Silencing or Censorship

It is beyond irksome that I am not free to speak my truth of what Safeco/Liberty Mutual, Protech Construction, LA County Public Works, Building and Safety Division, and the Department of Insurance have done to me since 2016. All are players in a massive scheme to defraud consumers. Property claim fraud. I feel a need to warn insurance consumers of the danger involved in filing a legitimate claim for damages. You need to be an expert in the relations between insurance claims adjusters and contractors, building and safety codes, and statutes of limitation. You need to be prepared because no one will help you get to the truth of the matter without an attorney. Attorneys won’t help once they know the players involved. You are quite on your own against forces you never even knew could be arrayed against you when you haven’t done a thing wrong.

How is it that my home was demolished without my authorization? Well, the demolition receipts state that Vince Paglia of Protech Construction claimed to be the owner of my property when he applied for whatever he needed to destroy my home. How was he able to do this?

Had to have had the help, guidance, direction of the claims adjuster, Kent Stiles, who is also the money man. Did you know that claims adjusters and contractors can engage in confidential relationships? They can hatch up whatever between themselves and never inform the consumer. Sweet deal, huh?

Then, for this coffin to have passed final inspection indicates another help from a department of the County that has no oversight. Public Works answers to no one, it appears, as they have helped stall my efforts to understand why I am living in squalor, with the flooring crumbling beneath the shower and the bathroom floor. How did this abandoned project pass final inspection, then later have the Certificate of Occupancy and the final inspection rescinded?

I have been told so many lies over the past 4 years by the insurer, contractor, Department of Insurance, and LA County Public Works. I have reported this activity to all I could think of to report it. As no one seems interested, I have begun to feel like I am swimming in the most corrupt sea that exists in state and local agencies and corporations.

Is this thing I’m wrapped up in a scheme to increase property tax revenues? Is it money laundering? Is it racketeering? I do know this is big time white-collar crime and we all know that is never punished in this country.

I have lived in Los Angeles’s second district for my entire life. Our first supervisor, Kenneth Hahn, was the best supervisor we ever had. He handed off to Burke. She must have become corrupt after working with Hahn because things in the district never got better, but declined. Then she handed off to Ridley-Thomas, and the manure really hit fire.

As the complexion of the district began changing from black to brown, services deteriorated more. I would say the district suffered from neglect that was not benign. For example, people who should have known about our water supply appeared to have no knowledge of our water service. This is how those elected to manage our water district were able to run it into the ground, providing the residents with rust-colored water for years.

It is my opinion that all involved are criminals. Vince Paglia is dangerous. He called to threaten me when he was supposed to be telling me when he would pay the judgment awarded me by CSLB. Instead, he told me the contractor he had working on site was dead and I knew that both the insurance company and I had paid him $260K when my original estimate for repair was $48K. Well, I told the insurance company to not pay Paglia, but I was overruled and he was paid anyway.

Did you know California insurance consumers can request a copy of their claim file? I didn’t know until a public adjuster told me. By the way, if you do have to file a claim, get yourself a public adjuster. The insurance adjusters working for the insurance company cannot be trusted to do right by the consumer, particularly when they are able to engage in those confidential relations that leave the consumer uninformed and at their mercy.

I got the first copy of my claim file by requesting it from the person who answered the call. That claim file had one invoice in it for $80K that listed all sorts of materials that did not exist on this site. When I notified the adjuster about this major discrepancy, he told me to file a police report and send him a copy. I did this, and he made them disappear.

As a test, I requested the claim file from Stiles. The second time around I received a large box filled with every email, invoice, exactimate, etc. Then, Stiles made the entire claim disappear, except for on the database that records consumer insurance claim histories. You need to know about those databases. Lexis-Nexis operates the primary database.

I have come to think that Safeco/Liberty Mutual is a shell company. The claims adjusters all know what Stiles is doing. I wrote to the CEO and President to notify them. As there was no response, I guess they don’t exist because I’d investigate charges of embezzlement or money laundering originating from my company, a company consumers are supposed to trust.

I know I’m rambling. It is what happens when I’ve been stifled (bless you Jean Stapleton!) and oppressed by a bully with a purse bigger than mine.

So, let me just drop this on you: if you have homeowner insurance, familiarize yourself with building and safety codes in your area; with statutes of limitation for breach of contract or other malfeasance; find out who the best public adjusters are in your area. If you have Safeco/Liberty Mutual Insurance, find another insurer. Kent Stiles is as dangerous as Vince Paglia. Beware.

Bad Faith · Building Contractor Scam · Civil Court · Criminal Organizations · Disaster · documents analyses · fraud · Homeless People · Homeownership · housing · Insurance Claims · Insurance Scam · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · research · social observation · Sociology · trauma

With Little Commentary

I lived in my home more than 60 years.

I have an insurance company generated engineering report that details the condition of my my home and workshop. It was effective from May 2016 through March 2018.

I have demolition reports where my name is not listed as the owner, though I have been the legal owner since close of probate in 2015.

I filed a legitimate homeowner insurance claim, had it insurance company assessed, and settled in 2016.

I have a second insurance company generated cost analysis of the structure and work that replaced my home without my authorization, pre-demolition inspection, or set of approved plans as required by Los Angeles County Public Works.

I have no documentation that supersedes the initial engineering report in effect from May 2016 through March 2018.

I have no documentation of a legal or structural reason for the complete razing of my property.  However, I now have the suppressed documentation that the contractor was notified of his failure to complete the project, that the certificate of occupancy had been rescinded about two years ago. This notification was either not sent to the contractor or was sent and ignored.

Bad Faith · Building Contractor Scam · Disaster · fraud · Health and wellness · Homeownership · Insurance Claims · Insurance Scam · Paralegal Studies · trauma

Structural Integrity is Nil

Just stepped out of the shower and nearly went through the floor. I reported the questionable support structure under the bathroom floor to Los Angeles County Public Works, Building and Safety department several weeks ago. Because they are involved with the scam, they are ignoring my requests for service and leaving me in an unsafe condition because they do not want to require the contractor, who allegedly pulled the permits, to make the necessary corrections to this unfinished job.

I am now certain this scam involves Building and Safety inspectors and administrators. Had I not persisted in demanding reinspection of this mess that somehow passed final inspection, only to have the Certificate of Occupancy rescinded and a list of the same corrections that needed to be made when the first corrections notice was issued in 2017. Another was issued in 2018, but it was set aside for 18 months with a hope that I would just go away or would be intimidated into silence by the contractor.

The contractor is suing me for defamation, claiming I have cost him one million dollars in damages. I have filed an anti-SLAAP in response. I guess he has been designated to handle me while Building and Safety, Department of Insurance, Safeco/Liberty Mutual close off communication and ignore me.

I experienced similar treatment in the military. I reported sexual harassment to an officer. Next thing I know, he is transferred. I was prevented from getting to the Inspector General, so I stayed a one-woman protest, refusing to do anything except go to class until I was allowed to report what women were suffering at the hands of the Sargent Major in charge of the trainees. We were short-timers. It was easier to stop the behavior while we remained rather than let me report a lifer. Might mess up his retirement.

I now know with certainty that this structure was built without plans, with second-rate materials, and improperly with the blessings of LA County Building and Safety. The project manager who actually worked on this unsafe structure is dead. I think the dead have no rights, so it is safe to name him: Steve Willsey. I never would have known he died had not the contractor who is suing me called to tell me. He also told me I would never get the money he was given by the insurance adjuster. I think I was told about Willsey and was supposed to be afraid. I was threatened. I felt the contractor was attempting to intimidate me, just as he is doing by filing this frivolous lawsuit that violates my right to free speech.

I may not be able to sue this gaslighting crew, but I can let as many as can and will read this know that they need to be wary about insurance claims adjusters, building contractors, insurance companies, and public agencies that are supposed to stand for the consumer but don’t.

Bad Faith · Class · Community · death · Disaster · Economic Anger · excess death · power · Refugees · social observation · trauma

Notes to Myself

There are websites dedicated to hating women. Incels, involuntary celibates, think women should be punished for not giving up sex on deman. Seems time to read Of Men and Women: How to Be for Each Other by Pearl S. Buck.

The Rohingya in Bangladesh are being moved to a remote island that only emerger from the sea within the decade and is prone to flooding and cyclonic upheaval. Why is this allowed to happen? Bangladesh is sinking, losing land mass rapidly. Is this a reason to abuse people who have fled persecution and death and isolate them out to sea?

277,000 dead and the lame duck is concerned only with his ego. He did say he didn’t like losers, so I guess that means he really doesn’t like himself. Such a despicable individual, supported by people looking for a savior. I hate to think all of them are as despicable as he is; they are misled. There must be a way to reach them, to pull them away from the fringe. So many of us are lost.

Lies. Why do people want to believe lies?

Is California the most corrupt state in the union? I do wonder.

Who is looking out for consumers? Who is looking out for the rank and file of us? I never expected to see a worse version of the Great Depression. At least, at some point, there was a concerted government response. America is supposed to be the richest nation in the world, but money doesn’t translate into empathy, compassion, or care.

Why are we so up in arms about socialism when we outsourced all our good paying jobs to a communist country? Communism was the threat when I was younger, so imagine my surprise when I graduated from college to discover we were in debt to communist China. My country lists towards fascism now and no one seems up in arms about that.

Reading Pearl S. Buck I found a kindred spirit who believed American men did not like women. I have often expressed this notion and been thought mad. The basis of my thought is based in observations of reality and history of the relations between the sexes. We no longer value history, reality, or truth.

The American people have been abandoned by the government that is supposed to represent us. Trillions of dollars for corporations and donors, nothing for first line workers, general workers, any workers. We are being exploited while elected representatives go on living their lives as if our unemployment, sickness, and death is our fault. Suicides are surging along with infection rates. Doctors and nurses are in that number along with the working classes. We are all working classes if we cannot count ourselves among the donor class.

We truly are a failed state.

Farmers protest in India and Peru. The largest general strike in the world is happening in India. 250 million strong. Young people are losing the lives in Peru protesting for relief. We have protested here, but has anything changed? Is anything changing? The incoming administration will change nothing. More of the same only cloaked in incessant grinning and “decency”.

We are living through a pandemic that many people believe is a hoax. Millions are in danger of losing their homes. Millions are in danger of having insufficient food. Millions of young people face no future. Hundreds of thousands are dead, dying, ill, and suffering from sequelae of COVID.

Homelessness is spreading. Poverty is spreading. Hunger is spreading. Not even bread or circuses.

Bad Faith · Community · Disaster · Economic Anger · power · trauma

A Small Rant

All these identity politics and word games. Over it. People need to recognize these tactics of division for what they are. We are all human beings and need to come together to recognize the other human beings, hiding behind corporatism and elitism, who view the people as commodities, to be bought and sold. Our primary identities are consumers when viewed from the corporate heights.

We haven’t been workers deserving of respect since the Air Traffic Controllers union was decimated. Workers have been decimated by trade agreements like NAFTA. Workers were sold out, and with the sellout took with it purchasing power. Worker dollars do not buy as much. Now we are unemployed by the pandemic, but our government offers no relief. The corporate elite view us as a failed market. They have no incentives to serve our needs because we have no money. No profit is possible.

The focus is on the vaccines, giving Big Pharma Tech oodles of bucks to create the vaccines and testing kits. There is profit.

ASEAN countries have come up with a trade pact that does not include US. The markets with money are in their countries. Imagine what your quality of life will be like when the pandemic is over and the country continues to produce nothing, has no jobs for the vast majority of the working population, and millions are evicted from their domiciles because they have no money.

Your primary identity is consumer. That identity is nearly dead. All these other divisive categories will be absolutely useless without money. We, the people, are useless to the corporate elites unless they see a way to generate profit. This is a fundamental contradiction of capitalism.

People are worth more locked up than they are idle at home. The idlers create a demand on the system, want support, need shoring up, need relief. If you get locked up, you generate money to keep the system running. You generate money for police, prisons, courts.

You better wake up to who the elite think you are, else we’re doomed.

Bad Faith · Building Contractor Scam · Criminal Organizations · fraud · Homeownership · Insurance · Insurance Claims · Insurance Scam · Law · Paralegal Studies · power · racism · trauma

Open Letter to Tyler Asher, President, Safeco Insurance

Good day, Sir:

I have written to you before about your rogue claims department headed by Kent Stiles, Senior Claim Resolution Specialist II, but you did not respond. As I received a letter from you detailing the cost of my renewed homeowner insurance policy, I thought I should respond before Stiles finds a way to not renew the insurance.

Why would Stiles prevent me from renewing my insurance? Perhaps it is because he is covering his embezzlement (?) or money laundering (?) activities, perpetrated through property claim fraud. Your entire claims department, your Presidential Service Team, as well as a host of managers and other adjusters are involved in this fraud, with knowledge that this is fraud. I have informed them Safeco many times in the past three years of what has happened to my claim. All of the complicit individuals have done nothing. Stiles must be pretty powerful. I asked him if he was the president of the company, but he never answered.

Stiles has made a practice of not answering my questions. Perhaps you will. Does it typically take 19 days to respond to a claim? Is it standard procedure to have an engineering analysis of damages conducted only to abandon that report with no explanation? Is it standard to maintain a claim record in a restricted status for three years, such that no one except the embezzlers have access to the file? Is it customary to force an insurance holder into an unfinished project, with no utilities and none of their personal goods returned to the property? Is it usual for an adjuster to authorize a complete rebuild of a property and then no report it to Underwriting? Is it correct to pay a contractor for goods and services not provided, against the wishes of the insurance holder?

Kent Stiles has done all of these questionable actions. He has destroyed my home of over 60 years, destroyed all of the growth planted for the pollinators, destroyed my privacy, and has attempted to destroy my reputation. I am sure he will find a way to cancel my insurance before it comes due. He couldn’t cancel it presently because I paid my premium in full.

Can you tell me if Protech is a preferred contractor in your Innovations Network? Stiles sent him here with an adjuster named Mazandarani. I thought they came to talk with me about making the repairs to one room of my house as indicated in the engineering report. They gave me a lot of hooey about being a part of the Network, the benefits of using the services of one of your Network contractors, etc. They had me sign a bogus contract for repair, packed me out of my home, and housed me at a distance so I could not easily keep track of what they were doing.

After being out of my home for over 6 months, violating the contract, I filed a complaint with the Department of Insurance. I had to file multiple complaints before one of them was taken up by a man named death, John Mort. Mort never had Stiles answer my questions. He never required him to provide the superseding documentation that said my entire home had to be demolished instead of simply repairing the one room that was damaged. It seems Mort works for Stiles. He closed my complaint without telling me he was doing so. When I contacted him to find out the status of my case, he mocked me and told me good luck trying to prove $430K was not spent on my project. My claim was settled for $48K. I received the checks. However, I never received the checks for this $430K charge that is reported as two different amounts in Lexis-Nexis and Verisk.

Sir, I don’t want to renew my insurance with you, and Stiles will likely make my wants irrelevant as he did when he paid the contractor against my wishes. I cannot get affordable insurance elsewhere because my claim history is loaded up with claims. I only ever filed one claim with Safeco, but there were four claims listed in my history. I was successful in getting changed the cause of damage, which was wind but reported as water by Stile. I was also successful in getting one claim removed. As long as Stiles is the only one providing responses to Lexis-Nexis and Verisk, those lies will remain on my record.

I learned only today that adjusters change the claim numbers on claims so that they can deny renewal. I was issued one claim number in 2016, but that claim number is not included in my claim history. I hate to assume, but I am going to assume that Stiles will prevail this month in finding a way to prevent renewal. Who, then, will take responsibility for this fraud, for the destruction of my property, for the ruining of my life?

I hope to hear from you or a credible representative soon. And thank you for writing me about my insurance renewal.

Sincerely,

VJ Hamilton

OX5953267

Bad Faith · Disaster · Health and wellness

Social Media Reveals Just How Spoiled Americans Happen to Be

Finally gave up on Twitter. I don’t want to feel uncharitable, but the whiny bunch has fair gotten on my last nerve with their whinging about wipes, hoarding toilet paper, frantic because they can’t find those hideous disposable diapers, and being photographed without makeup. Fatuous.

Twitter is the platform of the Hate Yam. That alone is reason enough to leave. He says some of the most hideous things and never once has had his account suspended. They constantly retweet his horrible behaviors and words, all in the name of complaining.

Then, there is the whole Vote Blue No Matter Who fascism. I wouldn’t vote for the Hate Yam, a thing credibly accused of sexual misconduct on many fronts. I wouldn’t vote for Biden because of his record and because he, too, has been credibly accused of sexual misconduct. We need a better choice of candidates. We need a system that consists of more than two parties. It only takes one party, as we see, to make the system dysfunctional.

The government signed our debt warrants the other day. This is the third bill passed. The National Debt is $25T and climbing.

I call bullshit.

Bad Faith · Community · death · Disaster · Health and wellness · News and politics · power · racism · Religion · social observation · sociological imagination · trauma · white nationalism · white supremacy

SHUNNING in the Name of Public Health

It is my fervent belief that the Hate Yam needs shunned. He should not be heard. He should not be seen. He should be paid no attention because he is an incompetent.

The Hate Yam needs shunned. He lies. He lies. He lies. He lies. He lies. He lies. He lies.

The Hate Yam needs shunned. He is endangering all our lives. He is profiteering on our collective catastrophe.

The Hate Yam has no medical knowledge. Neither does that eyed potato that is his second and leading a task force on COVID19. He is the worst representative of the elites, but elite he is. Why is the Hate Yam not funding the acquisition and distribution of necessary medical supplies out of his boundless wealth? Why is he not temporarily nationalizing whatever industry we have left to generate the ventilators and other medical supplies we desperately need?

The Hate Yam should have been 25thed a while ago. He should never have gotten into office. He should be shunned and we need to let the PIC (people in charge) know that we are shunning him because we have no confidence in his sanity, his word, because of his failure to act for the benefit of the public health of the American people.