Community · ethnography · Language · observations · power · research · social observation · Sociology · trauma

I Don’t See Color

Here’s a phrase that sincerely chaps my ass. What if the police ask you to describe me? Whachugonsay?

Discovered my disgust with this statement after getting into a discussion about who can and can’t say nigger. We concluded with the thought that anyone can say anything (conditional) because this is a country that constitutionally guarantees freedom of speech. I added that saying anything means being ready and able to take the consequences of those utterances.

See, you can’t say nigger to everyone. I don’t care how you spell it, inflect it, think it’s cute or a term of endearment, you can’t say that to everyone. Some folks have a reflexive action to being called nigger. They will bust you in the mouth, with love, ’cause they ain’t having it. I think I am one of those people.

Nigger is a slur, an ethnophaulism. How’d you like it if I walked up to you and called you my Dago, my Wop, my Mick, my Chink, my Gook, my Buddhahead, my Guinea, my Spic, my Kike, (recent) my Beaner? Does it grate a little? If not, do you know someone who might not share your attitude?

It is difficult to find a slur for whites that carries the same punch as nigger. By becoming white, those ethnics who look more like the dominant group eventually became white. Hunky or honky no longer packed a punch. Even Jews thought, and think, they were white. It only takes a second to be disabused of that notion when faced with real crackers who think the kikes are out to replace them.

We are all color struck. We are overly concerned with the color of another’s skin because to be anything other than a variation of pink is to be diminished in the world. We don’t talk about slavery. We don’t talk about Jim Crow. We don’t talk about the Trail of Tears. We don’t talk about segregation, an active factor in our lives today. Why are we all color struck, especially those who come here from other countries where there may or may not be a racial history of torture and abuse? Loss of cultural and historical memory? Loss of self-awareness? Loss of our humanity? For certain, it is because we have been taught to be conscious of color, particularly for purposes of differentiation and separation.

We need to speak to one another in the way we wish to be addressed. Don’t come @ me with your nigger speak. I really will bust you in your mouth, with love, and dare you to call the police. Since you don’t see color, you won’t be able to give a credible description and I will go on my way, hoping I taught you something of value.

AS · Bad Faith · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance · Insurance Claims · Law · Paralegal Studies · Probate · research · small claims court

Why Safeco and Protech are Fired: Insurance/Contractor Scam

Moment2In conversation with the State Contractors License Board, I learned that the relationship between a contractor and insurance adjuster is private, that no one is privy to what goes on during the claims process between them. This characteristic of the claims process works against the consumer, as I am a living example.

Protech did everything to make the outside of the building look good, but it is deteriorating before my eyes. They provided no invoices, receipts, warranties, or any other documentation to go with the objects installed in this house. There are fire sprinklers in here about which  I have no clue.

The floors are allegedly oak hardwood. I was told to choose laminate because hardwood was too expensive and I had to be mindful of my budget. I never could get a number figure as to how much was in my budget, but found out later that there was $80K remaining in the account. This was paid out to Protech in a mad rush, in the midst of dispute, with the work undone. They didn’t have time to vent the house, the electrical needs rewiring. There are two vent-free, infrared heaters in here somewhere, but I see only a gas heater.

My kitchen is set up in such a way as to prevent my safe use of the stove. Gas lines installed where they are unneeded. I have not had full access to my kitchen for 5 months. Kitchen cabinets were only installed last week, yet they were listed as items bought and paid for on the estimate presented to Safeco for payment. Everything completely unverified, yet paid for, in full. Astonishing.

Frames were not removed, but left to rot underground. The water filter, connected only to the hot water even though it was billed as a whole house filter, had no filter in the canister. The contractor locked the tool in between pipes and told me he couldn’t remove it without turning off the gas. He stuck with this lie for weeks, then came and freed the tool without turning off the gas. Next, he tried to stop us from looking at the filter by saying there was no need to open the canister. Nevertheless, my son opened the canister and this is when we saw there was no filter in it.

The fencing is poorly done and every metal thing on the place, including the security door and the fencing is of poor quality, no comparison to what existed here before. I had hardwood floors, recessed lighting, the most beautiful and pollinator-inviting yard you ever saw. Protech destroyed it and left this cheap junk in place of my handbuilt, 1923 Rambler.

I suspect none of the appliances installed are new. Everything with a date on it comes from 2015. There are no invoices or receipts to prove differently. This house was built as a flip house. This is business?

aging · AS · Criminal Organizations · Law · Paralegal Studies · research · Sociology · trauma

FINANCIAL ELDER ABUSE

Guess what? I have been victimized by my tortfeasor attorney because he allowed my homeowner’s insurance funds to be taken by Beal Bank with his full knowledge and assistance. Wonder if I have to sue him to get my money back as Beal Bank continues to play dummy?

Financial Elder Abuse. Who’d a thunk it?

Hope it is a felony.

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?

 

 

 

 

 

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.

 

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

Beal has been Paid (Real/Real)

Insurance proceeds totaling more than the amount demanded by Beal Bank/MGC Mortgage, Inc. have been received by the bankruptcy department in Lake Zurich, IL, original handler of my mortgage payments, loan modification requests, originator of requests for Affidavits of Heirship and directions to get title to the property without ever    mentioning probate.

As MGC  Mortgage, Inc. is listed as a lienholder on my homeowner insurance, the checks are made to both of us. I had to endorse the checks and send them to Beal Bank as bankrutcpy payments. It is allegedly illegal for them to take the monies and leave me high and dry for repairs to my home. I want them to continue breaking the law as with them I want no further truck.

However, I expect them to come up with some trick to keep me in bankruptcy and under their thumbs until Rapture. They have managed it this long, portraying me as the irresponsible, underhanded one who failed to report my mother’s death to them until I filed probate. They also claim that they have held this loan from 2003, two years before my mother’s death. These claims are in the court documents, made by attorneys for Beal. In documents from MGC to the FDIC, they admit they had knowledge of my mother’s death from 2008. This makes sense as I paid two other companies for this loan before I began paying MGC Mortgage in 2007-8. Nevertheless, I’m the lie and Andrew Beal is the rich, pretty boy.

We will see . . ..