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.

 

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

DEAR FDIC (Real/Real)

I am submitting this summation of my experience with Beal Bank for your later regulatory review of the Bank. If, as your representative informed me at my last call to your agency, Beal Bank is not required to give me an accounting of the loan, nor required to maintain records from the origination of the loan, nor do anything other than assert their right to foreclose on my property, then it is true that the agencies alleged to serve consumers truly do nothing except support the interests of banks. I wondered why your representative was arguing so vehemently for the Bank, so I did some research and found the FDIC actually buys accounts and sells them to the banks. This was the case with Beal Bank. Seems like a conflict of interest, but I’m only a consumer who now understands I can expect no help from FDIC.

Beal Bank, through their attorneys, Zieve, Brodnax & Steele, LLP, have alleged that a claim was filed against my mother’s estate, that Beal Bank owned the loan from 2003, and that a trust deed was signed over to them by AAmes Home Loan in 2004. Also, my home is scheduled to be sold at auction on 7 June 2016.

For the record, there was a trust deed recorded between my mother and AAmes Home Loan. Zieve Law falsified documents saying the trust deed was made over to Beal Bank.

As I stated before, Beal Bank did not own the loan in 2003. They did not begin servicing the loan until 2007-2008. That is as far back as they can account for the loan, and that would make sense as AAmes and RCS were the prior servicers of the loan. At no time in all the time I made payments to MGC/Beal Bank was a trust deed mentioned. Also, you now are in possession of the statement from MGC that they had been notified of my mother’s death in 2008, the year they began servicing the loan. Yet, they continued to do business with a dead woman even though I tried many times to find out what I needed to do to be recognized as the party now responsible for the property.

Zieve Law filed a document with the bankruptcy court that is made to look like a claim was filed against the Estate. However, the Final Distribution states no claims were filed. MGC Mortgage was the only creditor notified of the probate and would have needed to file a claim as my mother died in 2005 and there are time constraints associated with filing a claim, particularly when the decedent has been dead longer than one year. Not only was a claim not filed, but foreclosure proceedings were started as probate was closing.

MGC/Beal Bank does not service home mortgages according to their statement, so I do not understand why, if a trust deed was held, and my mother’s death was known, why I was instructed by MGC/Beal Bank to “just keep paying the bill?” Why was I made to complete loan modification documents, several times, when home mortgage loans are not serviced? Why was the communication with the servicer in Illinois cut off when they were the entities I had been taking instruction from since 2008? FDIC suggested I work directly with the servicer, but they will not communicate with me directly. I have called their representatives to reach disconnected numbers.

To say that it does not matter when probate is filed, as MGC’s representative did, is disingenuous. Because I filed probate seven years after my mother’s death, I was responsible for the back taxes, calculated from her date of death. Had I filed probate before filing the change of ownership paperwork, I would not have incurred the large tax bill that prevented me from closing probate for two years. The Escrow department paid the taxes, but the department that dealt with loan modification was unaware of this. When I called MGC in Illinois to let them know probate was closed, I was told that I couldn’t close probate because I owed back taxes, not that there was a trust deed. When I sent a copy of the Final Distribution, suddenly all lines of communication shifted to Texas.

I have sent paperwork to the tax assessor’s office that should result in a recalculation of the taxes, bringing them back to the level they were at my mother’s death as I qualify for certain exclusions and exemptions that could only be accessed following probate.

Throughout this process, I have been portrayed as a liar, not notifying MGC/Beal Bank of my mother’s death until 2012.  MGC/Beal Bank is not communicating with me. They are, however, attempting to run roughshod over the probate court’s findings to take my property.

Zieve Law wrongfully foreclosed on my property, filed no claim in probate court, recently posted their name rather than MGC/Beal Bank on the listing of trust deeds filed with the County Recorder. Zieve Law also states in their foreclosure paperwork that they performed their due diligence in attempting to contact my mother regarding the matter. Really, when they knew she was dead from 2007? Why all the subterfuge when, if a legitimate trust deed was held, a claim could have been filed with the probate court in 2012? Because Zieve Law has falsified documents, violated the probate findings, and wrongfully foreclosed on my property, and forced me into bankruptcy and destroyed my credit, I am reporting them to the California Bar Association for their questionable legal practices.

As the regulatory authority, and business partner of Beal Bank, I do hope an objective review of this financial institution will occur. However, I believe this will not happen. All agencies I have had the misfortune to contact during this ordeal stand firmly behind the entities that are hurting consumers. I do have an attorney, but what about those who do not have the means to hire counsel to fight behemoths like Beal Bank? We simply lose, right? And the robber barons continue to fleece us with the support of agencies charged with assisting consumers fight the deep pocket banks.

Thank you for your attention.

 

cc: Congresswoman Janice Hahn

      Senator Elizabeth Warren

ADDENDA

21 September 2016

To date, MGC Mortgage/Beal Bank/Zieve Law have taken proceeds from my insurance claim to satisfy the trust deed. I am owed payment for the overage, but cannot get a check issued in my name because, according to MGC Mortgage, they “are allowed to process checks only in the name of the mortgage holder.” Despite repeated calls to Beal Bank, as no one at MGC will speak to me because they “have no authorization” to do so, I cannot get this money refunded to me in my name.

MGC knows that the Estate of Bessie M. Turner has been closed for two years as they started their foreclosure when probate was closing, therefore I cannot get the measly $400 that was left over from their beggaring the insurance funds that were in my name. I have been told by several contractors that the taking of the insurance funds to pay the mortgage is illegal, but if it is, no doubt whatever their actions are they will be found legal as they have been through this entire process.

I still do not know if I have clear title to my property as MGC/Beal Bank will not return the original trust deed. Perhaps the law has changed and they no longer have to return this document, but I will just have to wait and see what happens as I have no one, no legal counsel to explain what MGC/Beal is doing, and they are unwilling to communicate directly with me.

This brings me to the crux of the matter. Average people do not have adequate access to good legal representation that fights the likes of Beal Bank. Lawyers are in it for the money. Pro bono is a sham. Legal Aid offers such limited options for those of us with no money when we all know that is the grease on the wheel in this monetized materialist milieu. They are known for all the matters for which they offer no help, just as are most of the consumer agencies that claim to be there for us poor slobs.

If not for luck and grace, I’d have lost my home to these scoundrels, thanks in part to the lack of adequate access to protections and protectors of consumers and their rights, and in large part, to a lack of money.

I was able to access a bankruptcy attorney to stop the foreclosure long enough for Mother Nature to provide a way out of this nightmare relationship with MGC/Beal. Turns out he was only in it for money, not to truly assist his client. Now that my mother’s mortgage is paid several times, and MGC has been removed from my insurance, the coverage they tried to cause me to lose by changing the payment arrangement and then failing to pay the premium, I wait for the trust deed. Until I receive that, or some explanation of why I may not have it after having paid for it, I remain convinced that Beal Bank and MGC Mortgage have been and continue to engage in fraudulent activity with me. If Beal Bank held the trust deed, why is Zieve Law firm listed with the County Recorder’s Office as the holder of the trust deed? If this trust deed is legitimate, why wasn’t it brought to my attention at the time of my mother’s death? Why is there no transparency in these shenanigans?

I do hope you will investigate all of these entities. They are crooked as a barrel of fish worms. Meanwhile, be sure to read my blog about the goings on at https://nessasnotions.wordpress.com.

Disaster · Health and wellness · Obituaries · observations · social observation · Sociology · trauma

Sherrice Iverson

Sherrice would be about 27 if she had not been stolen from the world.

This baby was raped and murdered in a Las Vegas bathroom stall as a friend of her assailant, who knew what was happening to her, exited the bathroom and continued about his business.

He was dubbed a Bad Samaritan. First time I ever heard this concept used, though its existence should have occurred to me. There is no written law requiring bystanders to stop rape or murder, even of a child.

So, a baby girl was lost twenty years ago and I cannot forget her.

aging · AS · Class · Community · Criminal Organizations · Economic Anger · ethnography · Health and wellness · Paralegal Studies · research · Sociology

Real/Real

On Thursday, my neighbor of 50 years said to me, “Fuck your mother.” Unfortunately, I wished him the same. However, I think his remark was out of bounds as I only asked him to move his car forward a little bit to make it easier for me to get out of my driveway. We had a screaming fest, heavily laden with expletives, as I mainly parroted back what was shouted at me, as it is not customary for me to be playing the dozens and yelling in the street like a fishmonger’s wife.

So, I’m taking his mother to Small Claims Court to get my $7500. I think I have a great torts case. Got some negligence involved, intentional injury, PTSD, and possible punitive damages. Most important, I have years of supporting documentation. Preliminary research begun. . ..

Class · Community · observations · Sociology

Todos los Dias

Every morning, no matter how I try to avoid it, I am forced to listen to the crazy woman across the street rant, rave, and rail at her children. I believe she is mentally ill. She has referred to herself as a time-bomb, ready to explode. I guess these morning outbursts are the prelude to the major eruption. Is this the new motherhood?

This household is thug central. Too many have died prematurely from this house. Too many from this house have made jail and prison their constant domiciles. Thieves, murderers, drug dealers, gun runners, abusers. These are the fruits of this household’s family tree.

After listening to the morning harangue, which lasts from 30 to 45 minutes, I’m in a mood most foul, and I wonder how the children feel. The past two weeks, for example, I have never heard SB, say good morning, I love you, have a good day. I’ve never heard her ask do you have everything you need, is your homework in your backpack, do you need lunch money? Instead, I hear her screaming about how much work she has done cleaning the house, how the utilities are all still on even though she doesn’t have a job. Oh, I do recall her telling her daughter that she had love for her, but that she didn’t like her at all and wanted her to move out though the daughter is only 15.

Now, I think I must be quite odd because no one seems to be disturbed by the madness except for me. Perhaps no one else hears what I do. Acoustics are such that if SB has her front door open when mine is also open, all of her noise comes into my home. If I close my front door, and stifle in the heat, I can still hear her through my bedroom window that is all the way at the rear of the house. Her voice is always filled with angst, rage, and screeching. There is no escape.

So, I listen and wonder why I have been chosen to witness this new behavior that really isn’t new any more. This new way of parenting has been a staple of lower-class life for a couple of decades now. Fewer and fewer of these families exist in the community because they have been forced out by losing property that belonged to their parents, or they’ve died out. But the few that are left more than make up for the loss of the others.

Keeping a cheerful spirit is difficult when in the midst of the maelstrom. I don’t judge. But I am negatively affected by all I’ve observed coming from that house. If ever I get enough money together, I’m outta here. Thirteen years of observing bad luck and worse behavior is enough.

Fiction · metaphysics · observations · Religion · Sociology

Thoughts of The One

If the One had an eye, I can nearly imagine what it must be like, because of photography and graphic effects, to zoom, from the unknown firmaments that surround us, onto my doings on this earth. A macro-microscopic zoom. Of course, the One, if possessed of a brain or mind such as I am familiar with or can fathom, would need only to think, “Be,” and whatever thought of would come into BEing.

Whatever could make the One, the Creator of All That Is, directly or indirectly, interested in my doings? The time needed to focus on my shenanigans is unimaginable as the One is timeless and can Do or Not Do, as it wills, if It were possessed of a will as I can conceive of one.

Personallly, I do believe the One is not amused, if indeed the One possesses a sense of humor as I know it. My own sense of humor is pretty whack, but the One and I would likely agree that what passes for reality, the quality of interpersonal and international relations on this earth is troubling, not at all funny. Perhaps this is why horrors persist; the One has left us on our own, abandoned us, and we’re acting out our heartbreak and frustration at this eventuality.

For all the professions of faith, many folks act as if it is the case that the One has abandoned them, left them alone like the devil never did.

AS · Community · Health and wellness · News and politics · observations · Sociology

Elliot Rodger and AS

Elliot Rodger, the young man who shot and killed several people in Isla Vista CA was reported by the news media to have had Asperger’s syndrome (AS). AS is then linked to mental illness because of the irrational acts of Rodger. This is a misapplied link because AS is not a mental illness. It is a neurological difference that affects behavior at different levels of severity. It is not a mental illness, but can be a comorbidity.

While only briefly looking at Rodger’s video, and noting that I am not a psychologist or other specialist in mental illness, he appeared to be suffering from narcissism, paranoia, and severe delusions of grandeur. He also appeared to have abandonment issues. His high degree of intelligence and verbal ability were the only indicators of possible AS observed.

If I didn’t have a moderate amount of knowledge and experience with AS, I might be led to believe that AS caused this latest shooting rampage. I would have been led to this conclusion by the irresponsible, partial reporting of the news media. This is a problem.

Health and wellness · observations · Sociology

Testing Doctor’s Instructions

The psychiatrist I was referred to by my primary care physician’s assistant told me that all I needed do was say I was an Aspie and that would be sufficient to access services and benefits protected by the ADA (Americans with Disabilities Act). That isn’t true, and I knew it wasn’t true when she said it. The problem for me became why is this woman, who appears to be descended from the Indians from the subcontinent, telling me lies to my face? Does she really think I’m this stupid while she tells me how smart I am in that smarmy, condescending tone other Indians have affected with me. I try very hard to not give in to my prejudices, but I admit to having problems with Indians. At first, it was only with the males, but as I meet more and more women with superior attitudes, I’ve become wary of them, too. Dr. V. Malholtra is to blame. He would regularly compare students from my commuter college negatively with his USC students. Such a schmuck. Then, a four-month sabbatical on the subcontinent heightened my sense of distaste for many of those people. Full disclosure, you know.

Anyway, I visited the Department of Rehabilitation and told them I had AS. Of course, and as I expected, they requested proof. I told them I had none, have been trying to get a diagnosis since 2009, and that I have an appointment to request a second opinion coming up soon. I’ve also put in a call to the Disability Rights group for advocacy assistance. SOS all over the place.

I wouldn’t do this if certain things weren’t going terribly wrong in my life, things I seem unable to manage. I admit I’m not drooling and rubbing feces in my hair, but I am having difficulties that require intervention. Thought the Affordable Care Act was supposed to address these issues.

What I observe is that everyone is supposed to fit a predefined criteria. Individuals are not seen as individuals, but as interchangeable cogs in the healthcare machine. If you don’t have Cadillac insurance, you’re screwed. And it seems that even Cadillac insurance is no safeguard against being treated like a cog. Maybe a little more comfortable, but still not adequately taken care of.

AS · Community · Economic Anger · Health and wellness · News and politics · observations · Sociology

No Faith in Healthcare Insurance

Every day of last week, I called my health care insurer for assistance and information about obtaining a diagnosis for, what I suspect is, Autism Spectrum Disorder (ASD; Difference; wow.cad.go/nodded/autism/index.tm). Every time I call, I receive different information. Little by little, I suspect I am getting information on how the system works by accretion, but this is a frustratingly impossible way of getting the assistance I need.

I’m not sure why I’m having so much difficulty obtaining a diagnosis. I don’t know if it is because of my age (59), my economic status (broker than the 10 Commandments), or because I am depending on medicaid (www.medicaid.gov/), medical service provider to the financially disadvantaged and disabled. I do know that I have learned an awful lot of how this health care-for-all system is underserving me.

The first time I contacted my health care provider I was told that the County handled all matters dealing with Autism. This is partially true. If you are under the age of 18, you may qualify for services, including assessment and treatment, at one of the Regional Centers in the County. If you are over the are over the age of 18, you must provide evidence of the existence, prior to the age of 18, of a disabling condition, else you will not be served. In fact, you will be spoken to most rudely by the gatekeepers who will not provide any information that might help you on your way.

The next time I contacted my health care provider I was told that matters of Autism were handled through my insurance company’s Mental Health Network. I called them and was provided with the names and phone numbers of 3 providers that I was to call directly and make an appointment to see someone who could supposedly help me. Well, I haven’t received one response from any of the providers I contacted. Wonder what that means?

I have found it very difficult to concentrate and read anything for extended periods of time. I was diagnosed with PTSD (http://ask.healthline.com/health/post-traumatic-stress-disorder#Overview) and saw a counselor through my primary care provider (PCP) for over a year. The health care provider sent a packet of information, including a Member Handbook. I started reading the Handbook and discovered there was an option to get a second opinion if unhappy with a diagnosis provided by the PCP or the Specialist. My primary care physician’s assistant sent me to a psychiatrist who told me (1) that it was not possible to diagnose me because ASD and PTSD symptoms tracked too closely to be separable; (2) that there was no definitive way to diagnose ASD as it is a subjective diagnosis; (3) that her sole function was to dispense drugs; (4) that I was a smart woman who could simply say I had ASD and then google information to treat myself. Imagine my surprise at learning psychiatrists had become nothing more than shills for Big Pharma and that I could just say I had an ASD and that would be good enough to satisfy my need for access to and the support of the Americans with Disabilities Act (ADA; wow.ada.gov/).

I called the health care provider to ask about the second opinion option AND to file a complaint against the psychiatrist who, I felt, wasn’t taking me seriously. I really didn’t appreciate her condescension. The only successful part of this call was that I was able to file the complaint. The other information I was given to put me in touch with another provider came to nought.

The psychiatrist referred me to a clinical social worker for further counseling for the PTSD symptoms. After seeing this clinician a couple of times, she subtly began to discourage me from seeking counseling. She said the clinic was not equipped to dispense long-term care. This was news to me as I had been seeing a therapist in this very same clinic for a year before the healthcare law came into effect. Also, according the the healthcare network, my benefits included unlimited mental health visits. Somewhere there is a disconnection between the network and those providing services.

I was never in favor of this mandatory insurance. Don’t think financially disadvantaged people are getting services for free, either. I received a letter from the State of California that said once I died, they’d come after my “estate” for the cost of all services provided to me after the age of 55. That message was a better deterrent for me continuing to seek care than all the subtle hints given by the therapist or psychiatrist-shill. I haven’t always been financially disadvantaged and I would like to leave something to my offspring when I kick off, but I will limit my use of this “insurance” that fails to meet my needs no matter how many times I call on them for help.

Sexualities · Sociology

Silly Rabbit and Other Troubled Gender Relations

Vi Stiviano’s interview with Barbara Walters spoke more about the problematic gender relations existing among the Sterlings and herself than I ever could. Less said about that matter the better.

Then, there is the troubling matter of Boko Haram stealing girls in the name of Allah and doing who knows what with them. Why such a long wait to do anything about these murderous fanatics? Why did the Nigerian government do nothing until now to stop the kidnapping of girls and young women? Even the woman prime minister made excuses instead of expressing outrage and disgust at the lack of action.

PBS Newshour has been discussing how we rear our children in this technologized era. Young girls are being hawked to be princesses and their parents are buying into it, thinking it healthy to indulge fantasies of becoming an anachronism.

Wurra, wurra, wurra.