Karen McDonald is a study in measured communication. She makes me want to wear black crepe and send people to jail who really need to go there.
It is beyond irksome that I am not free to speak my truth of what Safeco/Liberty Mutual, Protech Construction, LA County Public Works, Building and Safety Division, and the Department of Insurance have done to me since 2016. All are players in a massive scheme to defraud consumers. Property claim fraud. I feel a need to warn insurance consumers of the danger involved in filing a legitimate claim for damages. You need to be an expert in the relations between insurance claims adjusters and contractors, building and safety codes, and statutes of limitation. You need to be prepared because no one will help you get to the truth of the matter without an attorney. Attorneys won’t help once they know the players involved. You are quite on your own against forces you never even knew could be arrayed against you when you haven’t done a thing wrong.
How is it that my home was demolished without my authorization? Well, the demolition receipts state that Vince Paglia of Protech Construction claimed to be the owner of my property when he applied for whatever he needed to destroy my home. How was he able to do this?
Had to have had the help, guidance, direction of the claims adjuster, Kent Stiles, who is also the money man. Did you know that claims adjusters and contractors can engage in confidential relationships? They can hatch up whatever between themselves and never inform the consumer. Sweet deal, huh?
Then, for this coffin to have passed final inspection indicates another help from a department of the County that has no oversight. Public Works answers to no one, it appears, as they have helped stall my efforts to understand why I am living in squalor, with the flooring crumbling beneath the shower and the bathroom floor. How did this abandoned project pass final inspection, then later have the Certificate of Occupancy and the final inspection rescinded?
I have been told so many lies over the past 4 years by the insurer, contractor, Department of Insurance, and LA County Public Works. I have reported this activity to all I could think of to report it. As no one seems interested, I have begun to feel like I am swimming in the most corrupt sea that exists in state and local agencies and corporations.
Is this thing I’m wrapped up in a scheme to increase property tax revenues? Is it money laundering? Is it racketeering? I do know this is big time white-collar crime and we all know that is never punished in this country.
I have lived in Los Angeles’s second district for my entire life. Our first supervisor, Kenneth Hahn, was the best supervisor we ever had. He handed off to Burke. She must have become corrupt after working with Hahn because things in the district never got better, but declined. Then she handed off to Ridley-Thomas, and the manure really hit fire.
As the complexion of the district began changing from black to brown, services deteriorated more. I would say the district suffered from neglect that was not benign. For example, people who should have known about our water supply appeared to have no knowledge of our water service. This is how those elected to manage our water district were able to run it into the ground, providing the residents with rust-colored water for years.
It is my opinion that all involved are criminals. Vince Paglia is dangerous. He called to threaten me when he was supposed to be telling me when he would pay the judgment awarded me by CSLB. Instead, he told me the contractor he had working on site was dead and I knew that both the insurance company and I had paid him $260K when my original estimate for repair was $48K. Well, I told the insurance company to not pay Paglia, but I was overruled and he was paid anyway.
Did you know California insurance consumers can request a copy of their claim file? I didn’t know until a public adjuster told me. By the way, if you do have to file a claim, get yourself a public adjuster. The insurance adjusters working for the insurance company cannot be trusted to do right by the consumer, particularly when they are able to engage in those confidential relations that leave the consumer uninformed and at their mercy.
I got the first copy of my claim file by requesting it from the person who answered the call. That claim file had one invoice in it for $80K that listed all sorts of materials that did not exist on this site. When I notified the adjuster about this major discrepancy, he told me to file a police report and send him a copy. I did this, and he made them disappear.
As a test, I requested the claim file from Stiles. The second time around I received a large box filled with every email, invoice, exactimate, etc. Then, Stiles made the entire claim disappear, except for on the database that records consumer insurance claim histories. You need to know about those databases. Lexis-Nexis operates the primary database.
I have come to think that Safeco/Liberty Mutual is a shell company. The claims adjusters all know what Stiles is doing. I wrote to the CEO and President to notify them. As there was no response, I guess they don’t exist because I’d investigate charges of embezzlement or money laundering originating from my company, a company consumers are supposed to trust.
I know I’m rambling. It is what happens when I’ve been stifled (bless you Jean Stapleton!) and oppressed by a bully with a purse bigger than mine.
So, let me just drop this on you: if you have homeowner insurance, familiarize yourself with building and safety codes in your area; with statutes of limitation for breach of contract or other malfeasance; find out who the best public adjusters are in your area. If you have Safeco/Liberty Mutual Insurance, find another insurer. Kent Stiles is as dangerous as Vince Paglia. Beware.
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. However, I now have the suppressed documentation that the contractor was notified of his failure to complete the project, that the certificate of occupancy had been rescinded about two years ago. This notification was either not sent to the contractor or was sent and ignored.
When all regular avenues of complaint have been used and found inadequate there remains another avenue: Claim for Damages.
Before a state or local governing body can be sued in small claims court, a Claim for Damages must be filed. If the body denies the claim, one can then proceed to small claims court to sue. If the claim is accepted, one must wait for the investigation to be completed. If the outcome of the investigation is unsatisfactory, then suit can be filed.
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.
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.
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.
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 . . ..
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.