AS · Criminal Organizations · Economic Anger · Homeownership · Law · Paralegal Studies · power · Probate Housing Creditors Mortgages Mortgage Fraud · research · trauma

Documentation

Before the Independence Day break, I sent the FDIC 22 pages of documentation refuting the claims of Beal Bank.

To refute their claim that they owned my mother’s mortgage loan in 2003, I submitted the business name filing statement from Texas that says Beal Bank came into existence in 2010. This information came from counsel for Beal Bank and was included in the documents said counsel submitted to my attorney for the bankruptcy I was forced to file to stop the foreclosure Beal Bank claims they did not issue.

Also, I think I figured out how this scam was run for such a long time. In 2011, MGC Mortgage told me to file an Affidavit of Heirship to become authorized to take over my mom’s mortgage. I sent a copy of this document that I was told, after submitting it, was not the appropriate document to use, and I would still not be authorized to discuss the loan. What they did was create a file with my name misspelled with the addition of a superflous letter. All information about the property went into this file, including the insurance information. My name is on the insurance from 2011 and MGC Mortgage knew this. The name on the homeowner insurance and on the mortgage must match to be legal. I sent a copy of my insurance declaration from 2011 with MGC Mortgage listed as a lienholder and showing my last name misspelled, thus putting to rest the lie that they had no notice of my mom’s death until 2013 during probate.

To the Beal Bank 15: Check all your documents for errors of this nature. Name misspellings and missing document numbers that would allow for tracking a document’s history over time. Having acquired the original Trust Deed document with all escrow and loan numbers, I was then able to send FDIC and Beal Bank the document showing that Residential Credit Solutions was the servicer of the mortgage and held it at the time Beal Bank claims to have owned the loan.

I sent many other documents to FDIC to support my claim that I have been robbed by Beal/MGC/Dovenmuehle et al. systematically over time, starting from 2008 when the real estate bubble burst and spilled corruption out all over American mortgage consumers.

I want my insurance money back. In fact, I want all money back that was paid to this institution because I am not convinced that their claims are at all valid. If there was a valid claim, why all of these lies, obfuscations, and the dreaded runaround?

 

 

 

 

 

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

Grant Hamilton, General Counsel for Beal Bank, SSB, Plano, TX is a I-Don’t-Want-to-Know-Anything Brass-Plated Schmuck

4.3.2017 Called MGC Mortgage, Inc., Lake Zurich IL, to ask for my property tax refund. Spoke to Jennifer, Anthony, Jocelyn, and supervisor Josh. He told me he would research and return my call. He never did.

4.4.2017  Spoke to supervisor Mary Ann. She said she would give a message to supervisor Josh. Gues she didn’t.

4.5.2017  Finally, spoke to Harvey. He seemed to work in the research department and had some knowledge of the history of payment associated with loan number 1423927043. He told me there was no listing of the source of payoff on the loan, other than my mother’s estate, which has been closed for two years. No note in the file that the check was from Safeco insurance and that the monies were homeowner’s insurance claim funds. Harvey transferred me to supervisor Tyler who truly did not want to talk with me. It was Harvey who told me MGC employees are not allowed to provide their last names to customers. What a way to run a financial institution, eh?

Supervisor Tyler, long story short, assured me my property tax refund check would be sent to me, payable to me instead of my mother’s estate which ceased to exist once probate closed. Beal Bank filed foreclosure against my property as probate closed. They headed all their documents to the Estate even though they knew the estate was closed and I was the legal owner of the property. They also took my money, that was in my name, to pay their claim, cloaking the payment to look as if it were drawn from funds other than my own.

4.7.2017 I called to speak with supervisor Tyler and was told by Josh and Brad Cox that they would investigate the problem I was having getting my property tax refund returned to me. He connected me to pisspot General Counsel for Beal Bank Grant Hamilton, whose name oughta be Stonewall Jackson. According to him, there is no one higher up the food chain than he in the legal department. One whole attorney for in-house counsel. Beal Bank likely has thousands of lawyers for litigation.

As he shrugged me off on Medium.

This arrogant troll told me Beal Bank owed me nothing, that they had no interest in my property, and had nothing, document wise or any wise, to return to me. Hamilton defended the right of Beal Bank to rob me. What’s that joke about a billion lawyers at the bottom of the ocean being a good start?

I have been writing complaints about Beal Bank for three years now. I concluded agencies like FDIC, CFPB, the whole lot of the alphabet soup of agencies charged with consumer protection, are powerless against, and in bed with the corporations that bedevil us.

That smug fart Grant Hamilton…with his shrugs…and lack of ethics. Putz.

 

 

 

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. . ..

aging · Community · Economic Anger · Health and wellness · observations · social observation · time

Reflections on Time

60 is fast approaching. I have no idea of what it is I am supposed to do once I meet this fated age. I don’t feel 60. I don’t look 60. I don’t think 60, except for my understanding and ruminating all over history, and my memories of how things once were.

What is commonplace that was uncommon back in the day? Violence is still the same, more common than ever. Civility is a thing of the past. Disrespect of women was somewhat less common. I remember when Black men treated all women as sisters and looked out for us and the entire neighborhood. That was in the time of Black Panthers. They provided free breakfasts, education, and other community activities intended to foster unity and a sense of family.

This is the most lackluster Black History Month I have ever experienced. The only new information I gleaned was from the Pacifica Network, KPFK. I learned about the great opposition MLK faced at the end of his life. 55% of Black folks disapproved of him because of his stances on war and poverty. Imagine. This is the 50th anniversary of Brother Malcolm’s death.

Can’t say that lies are any less prevalent. Neither is hate. Ignorance and stupidity are in staggeringly great supplies. Sometimes I can’t determine if there is more of the latter than there was before. There seems to be more cunning and cupidity in the works. I am not satisfied with the state of the world. I never expected such dysfunction.

Children are much more sexualized and exposed to sex and violence at extremely alarming rates. Everyone is stuck in the palms of their hands, even while driving. We are much more vulgar and coarse than we have ever been.

Health care is the pits. I miss being able to choose my own doctor, develop a relationship with my own doctor, and pay my own doctor without having to depend on an insurance company to act as go-between. It is only now, after several years of seeking a diagnosis for what I suspect is an autism spectrum difference, that a psychiatrist finally heard me and gave me a preliminary scale to complete. There were 50 items. The cut-off for likely having an AS difference was 32. My score: 45. The doctor also told me that the medical power structure did not want to diagnose me because of my age…. Seems to me that if we want to help these young people coming up in droves with autism, we ought to study those of us who have aged through before there was a name, other than weirdo or eccentric, for those of us with the glorious difference. We’ve got some knowledge to drop on those coming behind us. I pray our numbers increase rapidly. We are in need of a major paradigm shift in our ways of being.

It took a heap of living to get to 60. Never expected to get here given the way folks around me seemed to drop like lead weights. Death has always fascinated me and I began obtaining and storing obituaries when I was quite young. Such wonderful short stories that sometimes speak volumes with the information that is omitted about the deceased. I’m examining a data set of my own compiling that is composed of markers indicating the level of involvement, connection, and interaction with society that the deceased cultivated in life. I want to know if those who live longest were more invested in the process of living. Does social connectedness really contribute to a longer life? Is it the quality of the connections that matter? The number? My base interest is with the concept of excess death. Go look that up.

I’m happy to be getting older, but I definitely want to make a change in my world, immediately and on down the line. Things cannot go on as they are forever. The decimation of the middle class has been going on for the last 40 years. What a good ride downhill, Workers. Doctors are no longer gods, but working stiffs who have to answer to the insurance companies. Unions are nearly defunct. We, the people, who are supposed to be the government, are being ill-served by those lawyers in Congress. I’m not feeling this perpetual war stance we’re taking. I am sick of all sports. Spend billions on stadium building, but do nothing for homeless veterans, homeless families, homeless mentally ill, homeless victims of domestic violence. We spend $62,300 to incarcerate someone in California, but only $9100 to educate that same somebody. The prison-industrial complex gets rich and Congress wants to block immigrants from staying in this country. Hell, without them, who will pay into the Social Security system? Able-bodied black, brown, and white people are locked up, likely never to earn a decent living, likely unable to adequately care for their families. Somebody’s gotta keep the ship afloat.

Gotta go ponder some more. Turning 60 ain’t no sissy sprint, I’ll tell you what.

Community · Economic Anger · Health and wellness · News and politics · observations · power

Old People Better Stand Up

Tired of old people, older people, being ignored in the drive to the future. Those of us over 50 have a whole lot to give to our culture and the world. All this focus on K-12, all the rhetoric breathed and theory advanced, well and good, but any society that fails to provide accessible opportunities for continual skills development and general knowledge acquisition to all her citizens is a society doomed to fail shortly. Wasting human capital is a moral and practical failing of our corporate capitalist materialist consumerist economy. The effects can be observed from slavery to the current day, just different demographics are involved.

We need a paradigm shift when examining the stages of adult life considering some trends in increasing longevity. Many of us over 50 are healthy, clothed in our right minds, and eager to share and savor life, using our skills and insights in concert with others to accomplish goals and improve our world for ourselves and the coming generations.

Why does our culture persist in denying older people a right to expect anything other than marginalization? We, the older, need to speak up and get ours, too.