Filed complaints with Better Business Bureau, Consumer Affairs, CA State Department of Business Oversight, and the young Consumer Financial Protection Bureau http://consumerfinance.gov. I also wrote to Senator Elizabeth Warren as I know her to be a consumer advocate and quite involved in the formation and operation of the CFPB.
My representative from Consumer Affairs had to negotiate with MGC Mortgage, and it was not a pretty affair, but he gained my side a month’s reprieve, in which time MGC Mortgage is supposed to review the loss mitigation documents I submitted. I expect for them to come back with a denial and some excuse that would prevent me from qualifying for loss mitigation, and I’ll be told to do something else. They denied a loss mit app in November 2014 and told me I was not eligible for a loan assumption, though the word lately has been loan assumption whenever I’ve been able to speak to an MGC representative.
Now, thanks to the helpful input of friends and several agencies, I’m on a mission to find the $42,000 owed these people on a $25,500 loan taken out in 1997! Go figure. Maybe I’ll put my GoFundMe page back up…
Simplest way to amend the Probate Code to avoid any more of this type of backdoor theft of real property from consumers by banksters would be to require ALL creditors to make a claim against the Estate of a deceased mortgageholder, thus also requiring all creditors to inform the consumers who notified them of the mortgageholder’s death of their possible need to file probate. Both secured and unsecured creditors should be held to the same standards when a deceased mortgageholder is involved.
You can file a Small Claims case online in California Superior Court. You can file for personal injury to get restitution.
You know who filed this morning? For the first time since 2008, I slept 6 hours last night because I finally got physical proof that the gang members have been blocking my driveway. Finally got a police report. My case file grows . . ..
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. . ..
When living in a war zone, emotional support services should be available to help people manage the inevitable stress that accompanies witnessing murder, dodging bullets, or suffering abuses emanating from the environment.
We live in an occupied community, dominated by gangs who traffic in guns, drugs, and other illegal actions. They routinely bully and otherwise intimidate residents, leaving us living in fear, imprisoned in our own homes. There are some who would encourage us to move, but who can afford to pay $1000 a month for an apartment or a house in an area no better than this one?
That we are not represented by our elected officials is an understatement. For four years, I have sent letters of complaint and concern to Los Angeles County Supervisor Mark Ridley-Thomas.
For about a year, I wrote to the supervisor’s office complaining about the noise assault issuing from the boom cars the gang members seem to use as communication devices as well as weapons to keep the community cowed. I also contacted public and environmental health to ask for their help in getting something done to curb the noise. I was finally referred to the Sheriff’s department, as they were deemed the only department capable of dealing with the problem. The majority of the noise stopped after two years of complaints, but resumed once the jails and prisons were emptied because of overcrowding.
Back to square one. Here, we have witnessed murders, either by sight and sound, or by palpable sound. When high-calibre ammunition is fired nearby, it can be felt, particularly in this narrow street, where we are packed together like matches in a book. Population density is very high here with multigenerational families and/or multiple families sharing one dwelling. Many is the time I have had to hit the deck as bullets whiz past the house, audible as they swish through the leaves of the trees, our only shields from the violence.
If I leave my front door open at the wrong time of day, I’m forced to hear the verbal abuse that passes for parental talk to young children. Gang members know how to speak to their children they way they were spoken to as children, I suppose. However, the way they speak to their children makes my flesh crawl. And I feel beaten up by the verbal onslaught. Imagine, a daughter calls her mother a stupid bitch and the mother responds by calling her daughter a raggedy ho. It would be comical if it weren’t such a tragedy.
Where are the critical incident response teams? Where are the emotional supports for those of us who fear walking down the street, coming home after dark, or who dread having to ask our ‘neighbors’ to move their vehicles from across our driveways so that we can park on property for which we pay taxes?
Why should we have to suffer the presence of murderers, thieves, and career criminals without respite and without support? Why are they allowed to persist in our communities? It becomes ever more difficult to retain good neighbors, particularly those with children, because they move away as soon as they can after discovering the negative environment they will have to tolerate.
We really do pay a hefty price for living in the 2nd Supervisorial District of Mark Ridley-Thomas.