aging · Class · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance · Law · Uncategorized

These Are the Facts (Real/Real)

It took 18 days for my insurance company to respond to my claim. Seems the mortgage company called and changed the pay arrangement I’d made with the insurance company 5 years ago to deduct my insurance payments directly from my bank account. The mortgage company is alleged to have stated they were opening an escrow account and would be paying the insurance from now on. Then, when the bill went unpaid for a couple of months, I received a warning letter that the insurance would cancel shortly. Well, bafflement aside, I paid the insurance in full so that there should be no more problems until time to renew, which is coming soon.

Beal Bank is claiming their interest in the property is not protected by an adequate equity cushion. Wonder what that means as I owe only $44,185.85 as of 7 June 2016 and there is four times that much equity in the property AND the insurance is covering the claim, which will increase the value of the property.

Beal Bank claims they will reach out with possible loan modification options, but we have been over that ground before. Besides, they do not handle home mortgages, according to their Plano TX office and I have already been denied loan modification twice by MGC Mortgage. This backhanded, iffy offer is conditional upon the BK court lifting the stay to foreclose on the property.

Beal Bank will stop at nothing in its attempts to wrest my home from me.

This is what a senior can expect. This is what a veteran can expect. This is what a college graduate can expect.This is what one disabled can expect. This is what the remnants of the middle-class can expect: What you have worked, sweated, struggled, and sacrificed for can be taken away from you, no matter all your playing by the rules, by a corporate entity that can hide behind the law and paperwork. The agencies that are supposed to look out for the consumer are in conflict of interest situations with the oppressors. For example: Beal Bank v FDIC.

There is a 2009 article by Tyler Durdan on the Hypocrisy of the FDIC that I cannot bring up right now, but I will continue to hunt it as Beal Bank is featured in the article.

I have no idea how things are going to turn. After suffering what felt like strange treatment from my insurance company, things have turned there. Seems I had a crooked contractor. His major interest was in money. He was shady from the start, suggesting I move and store my own furniture and pocket the money. Cray-cray. You should have seen my new adjuster swoop in and slay the dragon who lied, came unprepared and incorrect for a woman on her job, a woman of distinctive family heritage, with a good name known for many generations. It was thrilling to watch her work, exposing what I think would have been considered fraud. It is so unfortunate that one cannot conduct business with African-Americans any more. Always come shady lately, if they come at all.

 

 

Homeownership · Insurance · Law · Paralegal Studies · power · Uncategorized

Can I Get a Witness? (Real/Real)

A very large limb from a very tall weed fell on and crushed my bedroom. It didn’t crush it to bits, but the limb did hit with enough force to split my bedroom at the seams, crush the center beam and godtotell what’s up with the rafters. The wall is leaning away from the ceiling, which is cracked and broken.

The house was built in 1927 that I know and there never was a foundation, but crawl spaces did exist for I sometimes crawled under the house to go exploring. Lots of spiders’ webs and plants that grew in the dark. Sometimes, they’d grow right through the spaces in the wooden floor. Tongue-in-groove, but they grew around the wood. I’ve always appreciated the heartiness of the earth and the plants that come out of it on my small patch. I have digressed.

The insurance company that I have paid for the past 5 years sent no one to inspect my damages for 18 days. The estimator told me that he thought he should refrain from making an estimate until a structural engineer assessed the damage. He went out and spent a great deal of time in his vehicle writing his conclusions. I thought he ordered the structural engineer. He told me he was, but when I called to speak with my adjuster several days later to ask when the visit was scheduled, his second knew nothing. The engineer did show up shortly after I made the call.

My claim rep communicates poorly, if at all. He seems to have dealt with my case in haste. Or, was he somehow corrupted by MGC/Beal Bank? These monsters contacted the insurance company and told them that they would be paying the insurance. My insurance payments have never been late as they are directly debited from my bank account. Because MGC/Beal Bank is listed as the lienholder, they are allowed to make some changes at will. This change resulted in me receiving a warning letter from the insurance company because the premiums had not been paid for two months. The insurance company also told me, the person responsible for paying the bill for the past five years, that they were responsible for protecting the lienholder’s interest. Where does that leave the consumer, the person directly dealing the with the loss? With your interest unprotected.

This bloody bank can hide behind the law. Everything the bank does is protected behind legalese and legal fees.

The fight to save my home continues.

 

 

 

 

Uncategorized

Thinking Aloud…in Writing

I am seething. I need to get whatever this is out, but I hesitate to speak because the only thing that comes out is I am sick of everything I see, hear, and smell in my environment, in my culture, in the world.

Every day is more of  the same woefully simplistic behavior I am forced to witness if I turn on the television, turn on the radio, open my front door.

 

Community · Criminal Organizations · Health and wellness · Paralegal Studies · power · small claims court · Uncategorized

Neighbor Done Lost Her Mind

I have written here before about the gang members who live across the street and harass me every chance they get. Last March, the day before my birthday, I sent a Demand Letter to the owner of the property. I asked for $7500 in compensation for harassment, threats on my life, taunting, attempted humiliation, and exposure to violence. They seem to have forgotten how they have treated me from 2008 to the present day.

When they shut up after the first letter, I let it go, but the other day as I was walking out to my car to go to the 341 hearing, I was loud-talked, chided, and asked why I wanted to sue my NEIGHBORS! I was subjected to this harassment because the loud-talking woman decided to accept gossip for reality. She thought I called the Sheriff on her. Why? Must be guilt, because I hadn’t thought about them since March 2015.

Since she brought it up, I thought to renew my demand for my money. If I don’t receive the $7500 by 20 February, we will be seeing the inside of the Small Claims Court where the landlord will have to explain why she supports a nuisance.

Criminal Organizations · Economic Anger · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · Uncategorized

Tide is Turning

Managed to file an amended Ch 13 and stall the sale of my home. Plan payments are now affordable and, more importantly, sustainable. I just wish I didn’t have to deal with MGC/Beal/Dovenmuehle. Perhaps there is a reason for my having a continued relationship with this entity that engages in questionable business practices, practices that are not consumer-friendly.

I must be very careful in how I describe my interactions with entities that might want to sue me because they confuse telling the truth with defamation. James Henry, the Encino office manager of Westfield Law Group, harassed me into removing my Yelp review because it still reflected a complaint, and if I wanted a refund of my $800, I had to completely remove the review. I had to tell him I would file a police report on him if he didn’t stop calling and threatening me. He actually had the gall to say I was combative! I wasn’t, but it certainly would have been an appropriate attitude, given this ass who doesn’t want truth told about his operation. I’m sorry. Is that defamatory?

Not once did the representatives of Westfield Law Group express any concern about my potential loss of my home. If they think I can be silenced about this, they are wrong.

Twice I asked James for the bar license number. He told me he wasn’t a lawyer. I said there should be a bar license number for the Law Group. He wouldn’t or couldn’t produce one. I don’t see one on the website. I don’t see that key number anywhere it should be visible. Are these people practicing law without a license?

Westfield Law Group does not give refunds. I’m getting my money back from a botched job only because I was bullied into taking my Yelp review down. All bets are off once the money is in my hands. The first review goes up, and a new one will be added. My $800 held hostage for a Yelp review. (smh)

So, continuing my reporting of the Law Group to every agency I can think of, I am firing off a complaint to the California Bar Association. Then I’ll see what’s what with Westfield Law Group.

 

 

 

 

Uncategorized

Me and MGC DOVENMUEHL BEAL (REAL/REAL)

Suddenly, the IL branch of MGC is no longer listed on my homeowner’s insurance, but a TX branch has replaced them.

Response to BBB complaint came from TX. Must read and respond, but quick peruse offered no explanation of their practices in my case.

Received written notification that my loss mitigation package was received complete. Now, they need 37 days to review it. Meanwhile, there is a realtor trying to get payoff info so I might escape the clutches of this evil corporation. I have no confidence iin this company and resent being forced to continue doing business with them. This is only possible because I have no money.

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“Walked Past a Church Yesterday, Had This Poster on the Door”…

Kindness Blog

Even if you’re not a religious person, surely this is a church you’d have to at least step in to and say hello!

Walked Past a Church Yesterday, Had This Poster on the DoorSource: jbbarnes88

Photograph location: St Clements Church, Leigh-on-sea, Essex, England (http://www.stclementschurch.org.uk/)

Transcribed for anyone who has trouble reading it from the picture.

“We extend a special welcome to those who are single, married, divorced, widowed, gay, confused, filthy rich, comfortable, or dirt poor. We extend a special welcome to those who are crying new-borns, skinny as a rake or could afford to lose a few pounds. You’re welcome if you are Old Leigh, New Leigh, Not Leigh, or just passing by.

We welcome you if you can sing like Pavarotti or can’t carry a note in a bucket. You’re welcome here if you’re ‘just browsing,’ just woke up or just got out of prison. We don’t care if you’re more Christian than the Archbishop of…

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Learning Curve of the Perplexed (Real/Real)

Finally, spoke with attorney who put my understanding straight. Mortgage companies do not have to tell you to file probate. They only have to collect their money because they are a secured lender. They just get their money or do what they are doing to me, selling the property.

I will have to assume the loan, but now that the balance is 3x what it was before this foreclosure started, I still feel ripped off, but the mortgage company has done nothing wrong. How can this be right?

Since no one is required to tell heirs what should be done when dealing with mortgage companies, particularly ones that do not communicate any info other than where to send the payment, a manual should be created to inform consumers of what basic steps can be taken to protect our interests and save our property from seizure through questionable business practices.

There oughta be a law requiring financial institutions to inform people of steps they should take after the death of a parent who leaves real property. The fate of our inheritances should not rest on the caprice of a moneylender.  Secured lenders should be required to file claims against Estates just like unsecured lenders, and they should have to do it in a timely fashion.

What has happened to me should not happen to anyone else just because they have no money and cannot hire an attorney.

Well, off to find some cash….