Why Safeco and Protech are Fired: Insurance/Contractor Scam

Moment2In conversation with the State Contractors License Board, I learned that the relationship between a contractor and insurance adjuster is private, that no one is privy to what goes on during the claims process between them. This characteristic of the claims process works against the consumer, as I am a living example.

Protech did everything to make the outside of the building look good, but it is deteriorating before my eyes. They provided no invoices, receipts, warranties, or any other documentation to go with the objects installed in this house. There are fire sprinklers in here about which  I have no clue.

The floors are allegedly oak hardwood. I was told to choose laminate because hardwood was too expensive and I had to be mindful of my budget. I never could get a number figure as to how much was in my budget, but found out later that there was $80K remaining in the account. This was paid out to Protech in a mad rush, in the midst of dispute, with the work undone. They didn’t have time to vent the house, the electrical needs rewiring. There are two vent-free, infrared heaters in here somewhere, but I see only a gas heater.

My kitchen is set up in such a way as to prevent my safe use of the stove. Gas lines installed where they are unneeded. I have not had full access to my kitchen for 5 months. Kitchen cabinets were only installed last week, yet they were listed as items bought and paid for on the estimate presented to Safeco for payment. Everything completely unverified, yet paid for, in full. Astonishing.

Frames were not removed, but left to rot underground. The water filter, connected only to the hot water even though it was billed as a whole house filter, had no filter in the canister. The contractor locked the tool in between pipes and told me he couldn’t remove it without turning off the gas. He stuck with this lie for weeks, then came and freed the tool without turning off the gas. Next, he tried to stop us from looking at the filter by saying there was no need to open the canister. Nevertheless, my son opened the canister and this is when we saw there was no filter in it.

The fencing is poorly done and every metal thing on the place, including the security door and the fencing is of poor quality, no comparison to what existed here before. I had hardwood floors, recessed lighting, the most beautiful and pollinator-inviting yard you ever saw. Protech destroyed it and left this cheap junk in place of my handbuilt, 1923 Rambler.

I suspect none of the appliances installed are new. Everything with a date on it comes from 2015. There are no invoices or receipts to prove differently. This house was built as a flip house. This is business?

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 . . ..

Thoughts on Sagging and other Negricidal Behaviors

Martin Luther King, Jr. said that the most dangerous element of society are those who feel they have no stake in the society, that they will unconsciously seek to destroy that society because they have nothing to lose. Russell Jacoby asserts that violence is more often perpetrated upon those with whom we are most familiar.

With these thoughts in mind, it came to me that the imitation of prison garb chic in the outside world is an unconscious statement that even though some of the wearers are on the outside, they feel as if they are on the inside, prisoners of the system that provides them with few options to feel like stakeholders in our society, but every option to feel like a criminal, a thug, or a convict.

Of course, some people who adopt this ‘fashion’ are simply trying to stay current with a trend, but it is likely that many of these adopters, with their criminal records, revolving door negotiations of the criminal-legal-industrial complex, negligible participation in the traditional workforce, gang affiliations, and linkages to violence and disorder in their everyday lives do feel like prisoners.

Negricide

Remember the era of Negritude, when there was awareness of and pride in all that was Black culture? Seems to me that what we’ve got now is negricide, the extermination of Black culture.

I’m working on developing a concept here. Negricide encompasses that awkward term black-on-black crime, child-rearing practices, general cultural practices like wearing one’s pants around one’s ankles and expecting to be able to run away from the police when they attempt arrest.

Class is involved in negricide. It seems to be a practice of the lower classes, the underclass, the long-term, hard-core unemployed, the African-Americans who frequent the prisons and jails as if they were colleges and universities, gang members. It is also an internal practice, beginning from within, unlike genocide that begins from without. Mothers speak abusively to their children; the children return the abuse in kind and go on to abuse others. It is the extermination of the emotional, mental, and physical portions of Black culture.

A working definition, in progress, copyright 2011.