Bad Faith · Building Contractor Scam · Criminal Organizations · Economic Anger · Homeownership · Insurance Claims · Paralegal Studies · trauma

Trevor Haaswyk

Trevor Haaswyk was the Safeco adjuster who responded to my claim 19 days after I logged it.

He sent an engineer here to assess the damage. Donan’s engineer’s report said there was no structural damage to my storage unit, nor was there any damage to any other part of the house, save the bedroom.

Proof, I did not imagine Trevor Haaswyk.

Proof, Kent Stiles and Vince Paglia conspired to defraud me.

Proof, Kent Stiles signed off on and “paid” for the destruction of my home.

AS · Criminal Organizations · Disaster · Economic Anger · Homeownership · Insurance · Paralegal Studies

Case Closed?

Looky here, folks. The final tote board. Not one indication of the $48K taken from me, no indication of the foreclosure that propelled me into bankruptcy, except that Beal Bank is clearly listed as a creditor. My, my.

That $1680 – $68.40 are the only fees recorded by the Court. Tortfeasor Brad Weil filed for >$9000 in attorney’s fees. I objected, citing his failure to represent me, his failure to account for my insurance monies, his failure to perform due diligence, his negligence & malfeasance. The Court agreed with me as his fees have been removed from the final accounting.

I have been robbed under the cover of the law.

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.

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 . . ..

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.

 

 

 

 

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

Beal Bank (Real/Real)

Counsel for Beal Bank filed a falsified document with the federal bankruptcy court, asserting their right to foreclose on my property based on a secured trust deed … that was fully reconveyed in … 1997.

The purpose of probate is to establish clear title to real property. If an active trust deed existed on the property, it would have been unearthed through the probate process.

Beal Bank ignored the probate results, that awarded title to me, free, clear, and uncontested, and proceeded with their wrongful foreclosure.

Also, Beal Bank, through their falsfied document have accepted responsibility for making me pay for a mortgage that was not mine for 10 years.

Waiting for the BK court to tell me something, but have to wait until April.

I think I am owed some money.

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

Strange Documentation (Real/Real)

Beal Bank

on 19 July 2004, Beal Bank claims to have been the holder of the Deed of Trust on my property. This would mean that they owned this Deed before my mother’s death. Why, then, did I continue to pay Aames Home Loan until two years after her death, then paid RCS for two years, then paid MGC until the tax assessor’s office informed me of my need to file probate in order to gain clear title to the property?

Notification to Creditors

All of mom’s creditor’s were notified of her death and sent original death certfcates no later than February 2006. Aames Home Loan was notified by phone and in writing, yet the claim is that they had no knowledge that my mother was dead until probate was filed in 2012.

Beal Bank = MGC and likely RCS and Aames Home Loan

I wonder if I can demonstrate that since MGC and Beal Bank are the same entity, bank regulators could to tell me why I paid Aames, RCS, and MGC/Beal Bank, and am still paying them, if they have held the Trust Deed since 2004. Does this set of conditions merit any investigation by those who claim to represent consumers and homeowners?

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.

Paralegal Studies

Demand Letter

Before filing a Small Claims case, one is required to write and mail a Demand Letter to the entity you intend to sue in Small Claims court.  This letter briefly details the problem, states the nature of the injury, and provides a breakdown of the charges for which one is demanding payment.

One page is preferred, professional tone. Provide a date for compliance with the demand and let the defendant know the matter will be followed up in court if payment is not received.

If one receives payment, one need not proceed to court. If payment is not received and you are in California, e-file your case. Turnaround time is quick. If accepted, you can file, pay, and be on your way in the matter of a few hours without ever leaving home.