aging · AS · Bad Faith · Criminal Organizations · Disaster · Homeownership · Insurance · Insurance Claims · Law · observations · Paralegal Studies · power

Is This Fraud, Larceny, or What?

 

Just made 63. The struggle is real.

Safeco, Liberty Mutual has provided the claim file. I have found $28-30K of discrepancies. Safeco has foisted the burden to the contractor, who was brought into the deal by the Safeco adjuster.

I asked the adjuster about the remaining claim funds in October and she refused to answer my question, went incommunicado for two months. When she did surface, it was indirectly, through my housing provider, to cancel my housing, telling me my house was fit for move-in.

It wasn’t.

Got a copy of my claim file. Says I bought hardwood oak floors that were sanded and stained and non-dust sanded, too. Trouble is I can’t find those floors in this house. These are laminate if I’m a day old. Says I have TWO infrared, vent-free heaters. There is a gas monstrosity in the living room. Says the porch pillars have been paid for, but I don’t have a porch any more.

All totaled about $30K in questionable charges. From missing windows, shutters, a back door, hardwood floors, bathroom mirrors, and kitchen cabinetry, to outright lies about what exists in this house, this is pretty shocking shit to me.

The insurance company is quick to advise taking the matter up with the contractor, but the adjuster brought the contractor with her. They are in this together. This isn’t the first time, either, I’d wager.

aging · AS · Bad Faith · Criminal Organizations · Economic Anger · Homeownership · Insurance · Law · Paralegal Studies

Who does their jobs anymore?

Two months ago I contacted an attorney to see about suing my bk attorney for interfering with my case and allowing Beal Bank to steal money from me they were not owed. I was referred to an attorney who is reputed to be quite creative, and I need someone with imagination to help me because more and more entities keep piling on in abusing me.

I got the paralegal from I don’t do my job. For two months I got nothing but runaround from him. When I called the office today, I learned he no longer works there, so I have to start all over again. This time, I was told, the lawyer I was referred to will call me back.

Now, I need an attorney who deals in insurance company bad faith, because being forced to live in a cold house with no utilities, appliances, or approval from the entity that provides certificates of occupancy seems like mighty bad faith to me. I want someone to feel my wrath.

AS · Bad Faith · Criminal Organizations · Disaster · Health and wellness · Homeownership · Insurance · trauma

SAFECO INSURANCE BAD FAITH

I have to get this down before memory fails because it seems to me that Safeco Insurance is attempting to cover up their bad faith.

After asking my adjuster a question about the funds remaining in my claim and a question about the engineering firm that drew faulty plans, she did not communicate with me for 2.5 months. When I heard from her, indirectly through the temporary housing agency, it was to cancel my housing and tell me my home was ready to move in.

In August 2016, I was given an estimate of three months for completion of the rebuild of my house and storage shed. The plans were drawn by engineers from Powell and Associates. They made a major error when drawing the plans in that they completely missed the orientation of my lot. My lot lays like this: \ \, not straight the way they drew it. Also, they did not account for all of my landscaping, which was purposely planted and cultivated to attract pollinators and to help my asthmatic family breathe.

18 months later, Safeco Insurance is trying to force me into a home that has not been signed off on by the County, that had no utilities on, where none of my appliances have been returned from storage. My adjuster sent me into a property that had an open trench, downed power lines, and mounds of soil in both the front and back yards. There is only one entrance, and to enter required stepping over a palette and a plywood step. And then, she played the victim because I asked if she was on drugs. Her actions indicated to me that she was either mad or on drugs. This is part of her gaslighting routine. All through this claim process, she has either downplayed my concerns, ignored them outright, or told me they were not important. Her victim missive completely forgets to mention she sent me into a home that was not ready. She tried to cover by saying she reinspected the property, after she shut down the project (abandoned it), and discovered there were still things that needed done outside. Inspection should have happened before ending my housing and telling me to move in.

I have no idea who to trust or talk with about this problem that has existed since the beginning of the claims process. I now trust no one associated with this project, save my contractor, who is the literal man in the middle.  He is being asked if the house is “livable.” It cannot be livable if there are no appliances and no utilities, yet I am being pressured to move in. Why? Perhaps because we are long past the completion estimate of 3 months.

I feel I have been set up to appear uncooperative. If the claimant is uncooperative, work can be stopped. I think this is what is happening, but I can’t prove it. There is no effort on the part of anyone associated with this claim to own that I was sent into an incomplete house without a certificate of occupancy, without utilities. And when I asked if my adjuster was on drugs, I was told that sort of accusation would not be tolerated. But I am supposed to tolerate the abuse I’ve endured for two years, including the decimation of my landscaping and the ignoring of my complaints that something was wrong with the plans from the very beginning.

This looks and feels like bad faith.

 

AS · Criminal Organizations · Disaster · Homeownership · Insurance · trauma

Driveway?

See that square underneath the water heater? That is where my big, old-fashioned water heater stood since 1923. If this area had been a driveway, why would the water heater have stood there?

There was never a garage on this property, either. Current code requires covered parking. Had the draftspeople drawn the plans correctly, and had the Safeco adjuster done her job correctly and told them to redraw the plans to correctly reflect the angle at the back of my property, I would not have to continue to correct her notion that there was ever a driveway on this property. Had she demanded correction to the plans, the garage could have been placed in the front of the property, eliminating the need to denude my property. As it currently stands, the garage is too close to the house for any vehicle to be safely driven into the garage, which would only hold a smart car. Note: I do not own a car.

That concrete slab was my patio, accessible through my back door that is no more because no door can open onto a driveway.

As the adjuster continues to oppress me, I have filed a complaint with Adult Protective Services for financial abuse, and will file a complaint with the Insurance Commission bright and early in the new year.

 

AS · Criminal Organizations · Disaster · Homeownership · Insurance · trauma

Audacity

Always on Shabbos, the Safeco adjuster who demonstrated bad faith has sent me an email, updating me on the status of my property, and threatening my housing again because the insurance company is not responsible for providing housing if my house is “livable.”

I wonder if she thought the place was livable when she told me to move in with the mounds of dirt in both the front and back yard, an open trench, down power lines, no power to the house, no gas, and the property unsecured because her workers threw away my fencing.

Inside, there is a partially inaccessible kitchen cabinet, no electrical outlet for my dryer, no shutters or window draperies. At the time she told me to move, there was no power, no gas, so no heat, no hot water. Outside, there is no front porch. As there is only one door, everything has to come through the living room. There is only a plywood step for entry. This is complete? This is ready for move-in? This is livable?

I am now searching for other entities to protect my interests. The time estimate for completion of my house expired long ago. Insurance Commission is one entity, Adult Protective Services is another. I feel she is abusing me financially as I asked her about the funds available in the account three months ago and still have not received an answer to that question. I guess she is trying to salvage her kickback, so she is attempting to rush me into an incomplete setting so she can close the case.

The adjuster had the gall to act as if she had not subjected me to poor treatment, and suggested I stop saying mean and hurtful things about her. I wrote her supervisor to say that I stand behind my accusations of bad faith and that those accusations are documented with text and video evidence. This witch is trying to spin a narrative that fits her lies. She is busier covering it up than three kittens in a litter box.

 

 

 

AS · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance · Law · trauma

Personal Property Loss Claim with Safeco

This morning, I submitted a property loss claim to Safeco. My adjuster failed to call the draftspeople who created the plans for my brand new house and garage to account for their failure to note the orientation of my lot, which is angled to the left at the rear of my property. Instead of cramming a garage into a space never meant for it, the garage could have been placed at the front of the property and all of my landscaping could have been saved. Now, my property is denuded, looks cramped, and the house resembles a coffin as it is without windows, save a small one at the back, along the long side of the house.

All of my plants were purposely planted to attract bees, hummingbirds, butterflies. They were also planted to help my family breathe easier. All of my plants, trees helped clean the air and promoted visits of pollinators. Now, my yard is dust, all because my adjuster refused to contact the draftspeople and demand they change the plans to reflect the proper orientation of the lot.

In my claim, I requested compensation for my completely denuded yard. It did not have to go down this way, but my adjuster caused the problem though I objected from the beginning that errors were being made. I was cheated out of a bedroom window, cheated out of my built-in storage in the kitchen, cheated out of my recessed lighting in the living room. This is a one-bedroom, shotgun house that should have taken no more than six months to complete. Because of errors, from the beginning, the process has taken more than 18 months.

I am expected to swallow the destruction of my landscaping and the provision of a house that does not meet my needs without qualm. Whatever you do, do not insure with Safeco.

 

AS · bankruptcy · Criminal Organizations · Disaster · Homeownership · Insurance · Probate · Therapeutics

The Longest Year

The longest year has actually lasted 18 months and then some. It all started on Earth Day, 2016, when my mom (of blessed memory) laid a tree limb on top of my home. I was sitting in the house, in the bedroom, near Mom’s sewing corner. I heard the limb crack and waited for the whoosh that follows the falling limb when it falls from a height. This time, there was no whoosh, only a thud as the mighty limb laid itself down on my roof and across the two adjacent on the east side of my home.

I dashed outta there like a house afire and immediately called my insurance company, Safeco. It took them more than a week to respond.  The first adjuster was corrupted by MGC Mortgage, the mortgage servicing company that has claimed to hold a mortgage on my property since 2003. Actually, Beal Bank made that claim. I never heard of Beal Bank until probate closed and they started sending me threats to sell my property without notice because they held a Trust Deed.

How do you fight a bank that claims to hold a Trust Deed on your property that was never mentioned in probate? In fact, no claims were made against my mother’s estate, and the only concern of the Court was whether or not I had paid the property taxes. MGC Mortgage paid the property taxes once they were raised too high for me to pay. They opened up an escrow account to gain access to my property when they had no right to do so because they really did not possess a Trust Deed. But the threats were real enough, so I went to a bankruptcy attorney because bankruptcy is the only way to stop a foreclosure, or so I was told.

About six months into this bk, I received payment for the repair of my home. I told my attorney, took him the first check and told him another would follow soon. He copied the check and told me to mail it to MGC, as their name was on the check because they claimed to be a lienholder. Then, the attorney allowed MGC Mortgage and Beal Bank to take the money without putting it into a draw account so that the repairs to my home could commence. Several months later I discovered my attorney never submitted the payment information to the Court, who sent me notice of dismissal for failure to make payments. I wrote the Court directly to tell them I had paid, dearly, and did not understand why the Court was unaware of the payments. MGC Mortgage/Beal Bank corrupted my attorney. He kept the bankruptcy open to collect his fees. I objected, told the Court my story, and his fees were denied, the bankruptcy dismissed.

By this time, my insurance company had moved me to longterm temporary housing. I was only supposed to be there about six months. Turns out I was there 18 months. Nothing recommends living at the beach if you seek quiet. I was housed next door to a senior assisted living facility. The sirens blare two, three times a day and night. Very disturbing and disheartening for me, the living. The apartment itself was 1970s stock, poorly insulated, dusty, dirty in that deep-down dirty that comes of years of use without serious upgrade. Way too much money was paid to house me in that space, but as I am not the moving kind, I sucked it up and stayed. I remained inside for the majority of time I was there. I could go onto the balcony to look at the sea, but there was not much to inspire a need to go out and walk amongst the smokers, the homeless, the stuck-up rich folks, or the neverending dogs. These people are so dog happy they bring the beasts into markets, put them in shopping carts and on check-out counters, and nary a word is said to them. What happened to the law? None of these pocket pooches were service dogs, but employees of the stores are forbidden to even ask if a dog is a service animal. No concern for people allergic to dogs, no protection in the places we have to purchase our food. You are welcome to the beach and the inconsiderate, snotty wankers who live there. (To be fair, I did get to know a few of the people in the complex in which I was housed. They were kind, kept to themselves, and were remotely friendly.)

What I am doing here is writing out my rage. About three months ago, I asked my current insurance claim adjuster about the funds in my account. Nearly $50K was stolen. She told me she would give me the info once she was back in the office, and then proceeded to say nothing for two months. Instead of answering my question, she gave me a final extension on my housing and told me my home was ready for me to move into. When I arrived at my address, I found a mound of dirt in the front yard, a mound of dirt and an open trench in the back yard, a palette for a porch and plywood steps leading into my “brand new house.” My 31 year-old, full of fruit, lemon tree was cut down to accommodate a driveway. A garage had been crammed into a space for which it was never meant to be as my lot is angled in the back, a fact the drafter of the plans failed to take into account. The garage is too close to the house and the driveway is also too close to the house. Had the angle of my lot been accounted for, the garage could have been placed in the front, and my lemon tree, all of my flora could have been saved. My yard has been denuded because of an error that occurred at the beginning of this process. To add insult to this massive injury, the County of Los Angeles wants to add foreign trees to my front yard because they are on the plans. The plans also feature a back door, but I am not allowed to have that. My house resembles a coffin and I quite hate it.

I sent video of the condition of the site to Safeco. My adjuster’s supervisor was out; she knew he would be. Finally, after calling for help all morning, on Shabbos, I was connected with her supervisor’s supervisor. She arranged for an extension of housing, but that would require me to go back to the beach. That had become untenable. So, now I am back in short-term housing at the Residence Inn. And I still have gotten no information about the funds remaining to complete the project. I feel like I am being managed, and that I am being forced to return to the coffin before all work is completed.

I want my adjuster fired, like the first one was. I wonder if Safeco has any agents I can trust. I am absolutely furious about the gaslighting and abuse I have experienced over this, the longest year of my life. Hope I survive.

 

 

 

aging · AS · Class · Criminal Organizations · News and politics · observations · power · social observation · trauma

Why I Never Supported HRC

She stood by her man after he disrespected her, their daughter, and the nation. She stayed for the power. That she continues to stand by him in the current climate disturbs me.

She labeled a generation of young people predators, superpredators. Most of those young people were Black and Latinx.

She disrespected her husband’s accusers, did not believe them, implied they lied.

She is a lawyer.

She didn’t fight Obama for the nomination, just handed it over.

She didn’t fight Trump over this rigged election, just closed her mouth, wrote a book, and rakes in the cash.

She is an elite corporatist.

Her DNC is corrupt.

My position is not popular, particularly among this wave of feminists who seem to want to be better men. Nevertheless, for the above reasons, and maybe a few more that I have not let surface, I have never been a supporter of HRC. I wish her well, but I got nothing else for her or her rabid supporters.

 

 

AS · Criminal Organizations · Disaster · News and politics · observations · power · trauma

Done With Democrats

Got nothing for the DNC. Got nothing for any democrat that supported the resignation of Al Franken without any investigation of the claims against him.

Kamala Harris and any other democrat women who supported this are hypocrites. Why didn’t you fight to oust Trump?

The democratic party is not democratic. I think they are complicit with the rethuglicans.

As long as the Orange Beast occupies the Oval Office, I am done with democrats who do nothing to get him out.

aging · AS · Criminal Organizations · Law · observations · social observation

There Are Not Enough Words

So, let’s get cracking.

I have had a heluva day: computer problems (CRS Admin password hijack), installation of a gas line (gouging), trying to get medical care for my son, renting a car, preparing to move back to my home. Just a lot going on and I am as tired as if I went to a 9-5.

Then, there is all this madness with the government. The treasonous trollops in the White House are driving me mad. That ugly turtle and his thieving wife, stupid Orange Thug and his roguish family, everyone except Barron, for whom I feel very sad. How is it that the entire GOP and DEMs, too, have been allowed to try and burn down our country? I cannot be the only one who knows the country is run by crooks and liars, mostly liars. Sarah Sanders needs boiled.

The chickens coming home to roost for all these groping, raping marauders. I don’t feel sorry for any of them. All these complicit women who said nothing when they knew there was a threat. All the women, and men, who have held memories of sexual abuse for decades; this is a cathartic moment. I really don’t expect to see much come of any of it. Just like all the gun violence. If a school full of dead children doesn’t move people, the complaints of sexual misconduct by a bunch of women will move those in power even less.

And now, I must find another attorney when I have absolutely no faith in them. I have to file a civil suit against my attorney to try and get back the money he stole from me. No trust, no money. Guess I will do it myself. I successfully brought my probate to a close. Time to learn a new legal skill.

Certainly, I must be grateful for what the ancestors place in front of me to learn and do. There must be a reason I am having all of this experience with the law. Would really rather not, but I seem to have no choice. The requirement to defend what is mine is paramount.

The country has gone crazy, right along with orangina. No ethics. No morality. Racism. Classism. Christianist terrorists emboldened and supported by the current administration. The atmosphere in American culture is toxic as hell. I don’t want to live here any more, but where can I go?

Homelessness has plagued me. All around me, even here at the beach, are the homeless. People live in their RVs, cars, vans. Tents appear in the oddest places. People have become very creative with tarps, cinder blocks, and odd wood. They can wrangle this stuff into fairly sturdy habitations. But they are still outside, without facilities, without running water, without refrigeration, without a roof or floor other than the earth. I like sleeping rough when on a camping trip, or just hanging in my back yard. But it is my back yard and I can get up and go in the house whenever I want. Alhamdulillah!

You know, I think of myself as a Jewish Methodist Muslim. Imagine that! Even though I look like your run of the mill Black woman, I actually have Japanese, Chinese, and European running around in my genome. Funny how blood will out. I have always been fascinated with Japan, to the point that I learned to read, write, and speak Nihongo. I feel like I belong there, am connected there. Mayhap I will find my roots there. I want to go and study textile techniques. Sashiko, amigurumi, that lovely delicate knitting. Yes, that is where I could go. Amongst the Euro part of me, I’ve always felt like an Irish woman. Redheaded, flawless porcelain complexion, lilting voice. Yes, I’ve imagined myself in this ancestor from ’round the world.

Now, I’m Jewish because my mother was. Methodist because I chose to study that religion that  Xtian religion that encourages study, and a Muslim because I reverted to Islam in 1997 after surviving a trip to India. I take what I need from all these perspectives and don’t sweat the small stuff. It helps that I don’t participate  in organized religion, but there is nothing like praying with my sisters, lined up together, hearing the prayer in Arabic, the khutba, the conviviality after. Islam is good for those willing to seek knowledge, even to the ends of the earth.

So much swirling. Too much to do. Too much to think about. Didja know I served in the Army? Yeah, I’m a veteran. So many of us are on the streets. So many Americans on the street. This is a worldwide problem. Refugees, migrants, climate-displaced folks. There is too much going on and there are not enough words to tell you of the turmoil that churns within me, especially when I see our so-called president’s face. Him and his whole administration need removed.

Peace, peeps.