AS · Criminal Organizations · Economic Anger · Homeownership · Law · Paralegal Studies · power · Probate Housing Creditors Mortgages Mortgage Fraud · research · trauma

Documentation

Before the Independence Day break, I sent the FDIC 22 pages of documentation refuting the claims of Beal Bank.

To refute their claim that they owned my mother’s mortgage loan in 2003, I submitted the business name filing statement from Texas that says Beal Bank came into existence in 2010. This information came from counsel for Beal Bank and was included in the documents said counsel submitted to my attorney for the bankruptcy I was forced to file to stop the foreclosure Beal Bank claims they did not issue.

Also, I think I figured out how this scam was run for such a long time. In 2011, MGC Mortgage told me to file an Affidavit of Heirship to become authorized to take over my mom’s mortgage. I sent a copy of this document that I was told, after submitting it, was not the appropriate document to use, and I would still not be authorized to discuss the loan. What they did was create a file with my name misspelled with the addition of a superflous letter. All information about the property went into this file, including the insurance information. My name is on the insurance from 2011 and MGC Mortgage knew this. The name on the homeowner insurance and on the mortgage must match to be legal. I sent a copy of my insurance declaration from 2011 with MGC Mortgage listed as a lienholder and showing my last name misspelled, thus putting to rest the lie that they had no notice of my mom’s death until 2013 during probate.

To the Beal Bank 15: Check all your documents for errors of this nature. Name misspellings and missing document numbers that would allow for tracking a document’s history over time. Having acquired the original Trust Deed document with all escrow and loan numbers, I was then able to send FDIC and Beal Bank the document showing that Residential Credit Solutions was the servicer of the mortgage and held it at the time Beal Bank claims to have owned the loan.

I sent many other documents to FDIC to support my claim that I have been robbed by Beal/MGC/Dovenmuehle et al. systematically over time, starting from 2008 when the real estate bubble burst and spilled corruption out all over American mortgage consumers.

I want my insurance money back. In fact, I want all money back that was paid to this institution because I am not convinced that their claims are at all valid. If there was a valid claim, why all of these lies, obfuscations, and the dreaded runaround?

 

 

 

 

 

AS · Criminal Organizations · Economic Anger · Homeownership · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · trauma

Beal Bank Be Tripping

Now, I have been shown to be a liar by Beal Bank for the last time. The cretinous bank claims it did not file foreclosure against my property. Funny, but my bankruptcy documents clearly show Beal Bank as the party ruining my life.

Beal Bank’s General Counsel Grant Hamilton stated he did not want to know what MGC was getting up to. Perhaps he is only too well aware of what they do, but refused to hear it come from me because he might have to claim accountability.

Ah, me. What to do? No one is responsible for stealing my money?

Criminal Organizations · Homeownership · Insurance · Law · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud

BEAL BANK RETURNS PROPERTY TAX REFUNDS and TRUST DEED

General Counsel for Beal Bank, Grant Hamilton, was wrong. I did, and continue to have something coming, you schmuck.

I received twice as many checks and twice as much money as was proffered before. Of course, no interest was paid. Also received the original Trust Deed document with the promissory note, stamped PAID IN FULL. That was exactly what was supposed to have happened 10 months ago when this debt was paid by confiscation of my homeowners insurance claim funds, which I expect to have returned.

One reason for the return is the court documents claimed I owed one amount and Beal Bank took twice that amount from funds to which it had no right.

Second reason for return is Beal Bank has provided no evidence that they had a right to those particular funds, that were made out to me and MGC Mortgage, Inc. MGC Mortgage had commandeered my insurance because they noticed the name on the insurance did not match the name on the mortgage–a decade later they notice this. To make the names match, they listed the mortgage as the Estate of my Mom, and said the payment came from that Estate. Trouble is, the Estate has been closed for two years. They knew this, but Beal Bank, who I had no idea was involved with my property in any way, filed foreclosure against the property anyway, citing a Trust Deed. Had the Trust Deed been in effect, it would have been mentioned during probate. It never was because the TD was not in effect for non-Californians. Says so right on the front page. Also states that whoever holds the TD can be held liable for claims against the holder should they violate stipulations. I feel violated.

Beal Bank certainly had no right to take the money and it had no right to cloak the payment under the Estate as it has been closed for two years. Why I got two years worth of property tax refunds.

My attorney failed to report the payments to the court, failed to report that Beal Bank was paid off before the case was confirmed, failed to be ethical.

I have been robbed of 47,810.92 American dollars by Beal Bank. My home was razed and that money was to pay for repairs. My name was on the check because I pay the bill for the insurance, have done for a decade.

Beal Bank is busier than a cat covering it up, desperately denying any knowledge of what their “affiliate” is up to, as if it isn’t up to doing Beal’s dirt.

Betchu know what is going on now, Grant Hamilton, General Counsel for Beal Bank who is most unprofessional, unethical, and quite possibly criminal in his defense of Beal Bank.

Criminal Organizations · Homeownership · Insurance · Paralegal Studies · Probate · Probate Housing Creditors Mortgages Mortgage Fraud · trauma

BEAL BANK RESEARCHES MY CLAIM

I have now received two acknowledgement letters from Beal Bank. All sorts of acknowledgement, but none of my cash.

Gaslighted for more than ten years, made to pay a mortgage I did not owe nor own. Wrongfully foreclosed against my property. Forced me into bankruptcy. I believe they bribed/threatened/paid off my bk attorney because he let Beal Bank’s claims go unchallenged, up to and including when they stole my homeowner’s insurance claim funds, cloaked the theft under the cover of a nonexistent Estate, and provided no accounting and no prommissory note plus original Trust Deed.

Criminal Organizations · Economic Anger · Homeownership · Insurance · Law · observations · Paralegal Studies · power · Probate Housing Creditors Mortgages Mortgage Fraud · trauma

Grant Hamilton, General Counsel for Beal Bank, SSB, Plano, TX is a I-Don’t-Want-to-Know-Anything Brass-Plated Schmuck

4.3.2017 Called MGC Mortgage, Inc., Lake Zurich IL, to ask for my property tax refund. Spoke to Jennifer, Anthony, Jocelyn, and supervisor Josh. He told me he would research and return my call. He never did.

4.4.2017  Spoke to supervisor Mary Ann. She said she would give a message to supervisor Josh. Gues she didn’t.

4.5.2017  Finally, spoke to Harvey. He seemed to work in the research department and had some knowledge of the history of payment associated with loan number 1423927043. He told me there was no listing of the source of payoff on the loan, other than my mother’s estate, which has been closed for two years. No note in the file that the check was from Safeco insurance and that the monies were homeowner’s insurance claim funds. Harvey transferred me to supervisor Tyler who truly did not want to talk with me. It was Harvey who told me MGC employees are not allowed to provide their last names to customers. What a way to run a financial institution, eh?

Supervisor Tyler, long story short, assured me my property tax refund check would be sent to me, payable to me instead of my mother’s estate which ceased to exist once probate closed. Beal Bank filed foreclosure against my property as probate closed. They headed all their documents to the Estate even though they knew the estate was closed and I was the legal owner of the property. They also took my money, that was in my name, to pay their claim, cloaking the payment to look as if it were drawn from funds other than my own.

4.7.2017 I called to speak with supervisor Tyler and was told by Josh and Brad Cox that they would investigate the problem I was having getting my property tax refund returned to me. He connected me to pisspot General Counsel for Beal Bank Grant Hamilton, whose name oughta be Stonewall Jackson. According to him, there is no one higher up the food chain than he in the legal department. One whole attorney for in-house counsel. Beal Bank likely has thousands of lawyers for litigation.

As he shrugged me off on Medium.

This arrogant troll told me Beal Bank owed me nothing, that they had no interest in my property, and had nothing, document wise or any wise, to return to me. Hamilton defended the right of Beal Bank to rob me. What’s that joke about a billion lawyers at the bottom of the ocean being a good start?

I have been writing complaints about Beal Bank for three years now. I concluded agencies like FDIC, CFPB, the whole lot of the alphabet soup of agencies charged with consumer protection, are powerless against, and in bed with the corporations that bedevil us.

That smug fart Grant Hamilton…with his shrugs…and lack of ethics. Putz.

 

 

 

AS · Criminal Organizations · Economic Anger · Homeownership · Insurance · Law · Paralegal Studies · Probate · Probate Housing Creditors Mortgages Mortgage Fraud · social observation · trauma

The Last Word

Brad Weil had me bring the check in to copy it as I told him when I received the check that it was made out to me and MGC Mortgage. I told him they were likely to take all of the money when they were supposed to put it into a draw account. I also told him at that meeting that another check was coming, all of this prior to the confirmation hearing. I told him that I had to sign the check and send it to Beal Bank. He provided the address that I used to send the funds. He did not tell me that he was going to allow them to take the funds to pay off the Trust Deed they claimed to possess. I did not choose to use the proceeds to pay off the mortgage. I could not do that. That is illegal. Insurance funds must be used for repairs.

Shortly after meeting with Brad Weil in his office, after the funds had been taken, I received a remainder check from MGC Mortgage addressed to the Estate of Bessie Turner. Brad Weil told me to sign the check as the executor of my mother’s estate and cash it. I refused to do so because the Estate had been closed for over a year as I informed Brad Weil. The property was awarded to me in Probate. MGC Mortgage/Beal Bank was the only creditor involved in the Probate, and they made no claim against the Estate, but submitted documents to Bankruptcy Court made to look as if they were filed against the Estate. I called Beal Bank, told them Brad Weil did not represent me, and could I be sent a check for the remainder in my name as I am the owner of the property. A check was then sent to me in my name.

Brad Weil was most perturbed that I wrote a letter to the Bankruptcy Court stating that he did not represent me and that if my case was to be dismissed, it should be dismissed because the Bank had been paid off before the confirmation hearing and not because of missed payments. If I had remained silent, none of this would have come to light and Brad Weil would be satisfied with the payment he received and the case dismissed. Brad Weil told me I didn’t have to write to the court because they were going to dismiss my case anyway.

So, I will follow up with the Bar. When I came to Brad Weil the secon time it was because I was duped by Westfield Law Group, scam artists. He promptly gave me a complaint form to the Bar. I wonder why he would want to do less in this case. Brad Weil and the Law Offices of Les Zieve, counsel for Beal Bank seem to have been working together. I certainly see no evidence that I was his priority as a client. And I will again write the Bankruptcy Court to provide more detail about Brad Weil’s failed representation of my interests and to pray for dismissal on the grounds of possible malfeasance.

I do not have an answer for why I received no itemized statement of how the funds were used, likely because explanation of the use of insurance funds to pay a mortgage would be difficult.

I do not have an answer for the change of reason for foreclosure from Trust Deed to Mortgage after the funds were misappropriated.

I do now understand why Ms Aceves seemed genuinely confused about a payment I made. She repeatedly asked me what the payment was for. I told her Brad Weil told me to pay him the amount. For what? I don’t know. Fees?

One last thing. About a month after the tree fell on my home, I received notification from my insurance company that my policy was in danger of being cancelled because of nonpayment of premium. This was peculiar as I had my payments automatically deducted directly from my bank account. Beal Bank through MGC Mortgage changed my insurance, stating they had an escrow account and would be responsible for the bill. Then, they failed to pay the bill. I was displaced from my home, unable to live in it as it was red-tagged. Had I picked up my mail any later, I would have been without any insurance coverage and would have lost my home to scheming tricks. I told Brad Weil of this incident. He did nothing. I have to know that his inaction, failure to do due diligence, was correct.

I was guilty of providing Brad Weil with information of which he seemed unaware. I told him I could not get a HELOC as long as I was in bankruptcy, that if Beal Bank was going to take all of my funds, they would be paid off before the confirmation and then I would have to wait 30 days for the dismissal to show on my credit report. Then, I could reapply for the HELOC. When I left his office that day, I thought he was going to apply for dismissal, but he confirmed the bankruptcy after the sole reason for me being in bankruptcy was removed, then waited six months for the soft dismissal for missed payments to come about. For the record, I have not returned to my bank to request a HELOC as Brad Weil suggested in his first response. That would make no sense as I was still in bankruptcy. Brad Weil never mentioned having the Court help me get a HELOC, no mention of all this refinancing. Brad Weil, at that point, had no idea what I was going to do to get my home repaired, but I should continue making plan payments.

I provided him with an article about Beal Bank’s predatory ways regarding 15 people who also suffered wrongful foreclosures. Beal Bank preys on particular demographics: single women, elderly, disabled, low-income, in particular zip codes. He would not read it. I showed him Probate documents that stated no claims were filed against the Estate. He disregarded them. No matter how many times I told him of my abuse at the hands of Beal Bank, he did nothing, except tell me to continue making plan payments until he told me I could stop paying anytime once Beal Bank took my insurance funds.

 

Sincerely,

Subject: FINAL RESPONSE from Law Offices of Brad Weil- BCA Complaint 98810870

“The company states they never saw the money and advised her to sign the insurance check as the executor of her mother’s estate to Beal Bank as payment to apply towards the mortgage loan. She used the proceeds to pay off her home due to the foreclosure. All the company did was advise her with what to do. She can refinance the property while in bankruptcy if she would talk to the company and let them help her, but she will not talk to them. Brad Weil is trying to do everything he can to assist her. He would prefer that the customer contact him and not file a claim with BAR.  The BAR will dismiss the case if the customer does not make the payments. If the customer would like to obtain refinancing, the company can file a motion to approve the refinancing by the Bankruptcy Court. The company is unsure if the customer wants the bankruptcy dismissed  altogether. If she dismisses it, she will owe the fees in a lump sum instead of paying for it monthly. She is scheduled to be in the bankruptcy until December 2018.  If the customer would like assistance with the refinancing please contact the company for a referral and other assistance.”

Cordially,


Subject: Re: Response from Law Offices of Brad Weil- BCA Complaint 98810870

The longer I think about this matter, the more I think it should be reported to the California Bar Association. I should not have to seek outside financing of the repairs to my home. The insurance proceeds were wrongfully appropriated, just as my property was subject to wrongful foreclosure and Brad Weil aided and abetted counsel for Beal Bank in that endeavor.

Sincere regardss,

24 February 2017

 

Our office received the following response from the Law Offices of Brad Weil. Please let us know if you would like to provide a rebuttal.

RESPONSE:

“Vanesa Hamilton hired my office to represent her in a Chapter 13 bankruptcy to stop a foreclosure sale of her home.  That case had bankruptcy case number 2:15-bk-25997-NB and was filed the day before the foreclosure sale of her home located at 2057 E. Lucien St., Compton CA 90222.  Ms. Hamilton did not appear at her required 341 meeting of creditors and that case was dismissed.  At that point she was not longer a client.  She contacted our office again (due to the pending foreclosure) and complained that the plan payment we put her in was too high and that is why she did not show up at the hearing because she could not make the payment required of her.  I informed her that if she had contacted us sooner we could have worked something our and amended her plan to lower the payment.  My paralegal (Vanessa Aceves) did not want to take her back as a client because we had not been paid on her previous case.  Ms. Hamilton and I came to an agreement that she would make payments on the first case (some of which she did but not all) and I would file a second case. 

 

The Second case was assigned case number 2:15-bk-29035-SK.  This case Ms Hamilton wanted us to file an objection to the mortgage company’s proof of claim and oppose the mortgage company’s Motion for relief from the automatic stay (which require extra fees to be charged to her plan).  We did that work and filed a fee application which was approved.  The plan was confirmed.  During that process Ms. Hamilton suffered a tree falling on her house during a wind storm.  The insurance company paid the mortgage in full then issued a refund check to Ms. Hamilton, however due to the fact that she inherited the home they issued it to the executor of her mother’s estate (which she had a problem with).  At some point shortly after the confirmation Ms. Hamilton stopped making her plan payments.  My office filed a motion to modify her plan which was granted.  Ms. Hamilton is supposed to resume her bankruptcy plan payments in March.  It seems she has stopped  communicating with my office and has chosen instead to file a complaint with your organization.  From what I gather she wants to refinance but is having a hard time doing that while in bankruptcy.  There is a way to refinance while in bankruptcy and if she would communicate her wishes to my office I could help her accomplish that.  At this point I have no communication from Ms. Hamilton except the complaint she submitted to your organization.”

Criminal Organizations · Economic Anger · Law · Paralegal Studies · power · Probate · Probate Housing Creditors Mortgages Mortgage Fraud · research · Sociology · trauma

Beal Bank (Real/Real)

In 2014, Beal Bank (6000 Legacy Drive, Plano TX, 75024 469.467.5000) foreclosed against my home via a Trust Deed.

They have been paid off through their affiliate, MGC Mortgage/Dovenmuehle Bank (Dovenmuehe Mortgage Inc, 1 Corporate Dr., Lake Zurich IL, 60047 No working phone number).

After paying off a Trust Deed, children, the original instrument should be returned to the legal owner of the property.

Beal Bank has not returned my Trust Deed. The Bank seems unaware that it foreclosed on my property. Zieve Law (30 Corporate Park, #450, Irvine CA, 92606 714.848.7920) placed a lien on my property, but there was no Trust Deed, else probate judge would have informed me of its presence.

Language has been changed in documents submitted to BK court to no longer reflect payoff of a Trust Deed, but payoff of a mortgage. However, foreclosure documents state there is a Trust Deed.

Where, oh where can my Trust Deed be? I do not want my son to have to live through this nightmare.