There is not in the world one single poor lynched bastqrd, one poor tortured man, in whom I am not also murdered and humiliated. ~Aimé Césaire, Et le chiens se taisaient
I lived in my home more than 60 years.
I have an insurance company generated engineering report that details the condition of my my home and workshop. It was effective from May 2016 through March 2018.
I have demolition reports where my name is not listed as the owner, though I have been the legal owner since close of probate in 2015.
I filed a legitimate homeowner insurance claim, had it insurance company assessed, and settled in 2016.
I have a second insurance company generated cost analysis of the structure and work that replaced my home without my authorization, pre-demolition inspection, or set of approved plans as required by Los Angeles County Public Works.
I have no documentation that supersedes the initial engineering report in effect from May 2016 through March 2018.
I have no documentation of a legal or structural reason for the complete razing of my property.
I should write something. The month is nearly over.
I feel propagandized. Not relieved. Not empowered. Not convinced. Just chattered at.
Still hearing the name of the idiot. Still seeing pictures of him and his…wife. Is it wrong that every time I saw her I thought First Whore? The oldest profession really pays. Wonder who named it the oldest profession?
George Washington Carver was a crochet genius. I knew he painted, but he could make lace, do Irish crochet, make collars and cuffs, all without pattern or the ability to read. He picked up handicrafts, fancy work, before the age of 11. His works are on display at his museum in Neosho MO.
So many COVID variants. People just spreadin’ that virus around, helping it mutate, thinking it is their right to be foolish in a pandemic and take no precautions. People viewing us from without often say we only think of ourselves, never of people outside of this country. They underestimate our narcissism. We only think of our individual selves or of our tribe or clan. Our orbits of concern are mainly foreshortened.
Pearl S. Buck. So glad I started reading her work and very glad she was such a prolific observer and writer.
Never again read Jude the Obscure unless you love tedium.
New year. Feels a lot like the old one with a little less tension. Gotta worry, though, about whether or not a neighbor can be trusted. January 6 was a demonstration. You can’t expect to trust your colleagues, neighbors, the average Jane or Joe on the street. Gotta be color conscious. I really expected better of us in 1965. So much for expectations.
Biden is the second Catholic president. Let that not be an omen.
These are awful times. Pandemics of biological, ideological, and political origins. Strange things are happening. I hope some of them will be for the best.
What is wrong with Wisconsin? I used to think of Wisconsin in very positive terms, even thought of moving back there…no more. My memories of my best friend girl, of Willem (who will always be Billy to me), of Larry U and the music, of the pig and dairy farms, of brats roasted in the ground, of theatre class, horseback riding. So many good memories. Wisconsin’s state motto is Forward. Why have they become so backward?
My precious son said to me last night that I should write my memoirs because I have lived an odd life for a Black woman in America. I’ve never been one to talk about myself. No need for a key light. Had enough attention when I was youngster with a hard body that dirty old men lusted after. People often wondered why I wore my hair short and sported oversized clothes. Silly women who wanted me to conform to the look of the day would call me son as if that would make me change the way of looking I chose for my own protection. It isn’t a good feeling to have Sheriffs cruising you as you walk home from elementary school.
My mother was a remarkable woman. Not one of the silly. Working-class, conservative in the way of Protestants, a Texan, a praying warrior. Daughter of an itinerant preacher and a very young mother, she was orphaned and raised with her brother by a maiden aunt who seemed to have had a cruel streak. Nevertheless, she did not let my mom and her brother go to an orphanage. We took care of our own, even if that care was not always the best.
Fortunately, Mom had a fighting spirit. She got out of Texas by dint of hard work. She was educated in the deep South in the 1930s and ’40s. She could read and cipher better than many of today’s so-called graduates. She was educated by Black teachers who cared about her success. They knew the road would be long and hard and they wanted their students prepared as best they could be for the struggle that was and continues to be Black life. Mom passed the love of learning to me. She encouraged my tendency to stick my nose in a book. She taught me how to use my hands to craft things, garden, take care of myself and my surroundings. She taught me to question everything. She raised me to be self-reliant. She did not pass on the abuse from which she suffered and escaped as soon as she could. Always kind and patient, she was the best friend anyone could ask for.
Mom grew up post-Depression. She knew how to save a dollar. She didn’t believe in frivolity, but she knew how to have fun. We would make our fun, dancing, listening to music, cooking, growing collard greens and flowers. Just the two of us. I learned a lot from Mom, but I never learned to like cornbread and buttermilk. That is one of those country meals you ate when there wasn’t much else. It was filling and seemed to have plenty of nutritional value. I much preferred biscuits (homemade) and syrup, you know, sopping!
I learned to live simply from my Mom, so what I’m living in today is disturbing. All this greed and self-centeredness. People who haven’t a clue of who they are because they can’t take the time to look within. Everything is externalized. All this need for representation and validation from sources that could care less about any of us. If I had grown up with these needs, I likely would not have grown up at all. No one represented Black folks except Black folks back in the day. Always separate. We had our own films, our own music, our own everything. We were linked by our exclusion. We were much closer to one another then. We were togehter in the struggle.
We are coming together again, but we are still divided. The class divide is greater. Many of the working-class have no love for the Black elite and the feeling is mutual. No matter my level of education, I have always identified with the working-class, the proles. Sorority sisters irk me. Frat bros are sickening. I digress.
There’s a march on Washington today. The message is vote. The message is make demands. I’m down with all that, but I think much more will be required to make a change in this peculiar time through which we are living.
Young people give me hope some days…
“Introduction: How is America still a place of Injustice?” by Amy Lee https://link.medium.com/VEis32Jc47
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
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.
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.
It really does matter when you file probate, as opposed to the disingenuous response given me by Beal Bank that no matter when probate is filed, it makes no difference.
Well, bugger that. Had I filed probate immediately after my mother’s death, I would not have incurred the huge tax bill that I did when I filed change of ownership paperwork, on the advice of MGC Mortgage, Inc. aka Beal Bank, before I filed probate. When I could not pay the greatly inflated taxes, MGC was able to open an escrow account and get one tentacle around my home.
Now that probate has closed and the tax assessor knows who is the owner of the property, the reappraisal that was triggered will be eliminated and I am due a significant refund. This I will report to the FDIC, not that I expect the information to be of any use to me, but perhaps others who have dealings with Beal Bank have had this experience. I continue to believe Beal Bank is due for a serious audit, but I know it will not happen in our current corporate-supportive context.
I think the advice to file change of ownership docs constitutes giving legal advice, just as advising me about probate would be considered giving legal advice. There seems to be no way to beat a bank, no matter how crooked and corrupt it may be.
The law needs to serve the people. The law needs to be accessible to the people.
When are we going wake up to our diminishing rights and representation by those who have sworn to serve us?
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.
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.