Now, I Am Believed

Well, well. As Safeco hired the Independent Inspector, I expect to never see his report. When he presented himself here, he seemed fair and even-handed, I might even say fair-dealing emanated from him. I must be radiating some sort of freneticism because all men wind up talking to my son. I think they hear me, but they talk to him. At first I rather despised this male habit, but once I rethink it some more, I’ll get back to this line.

For six months, we have been glamping, with the boxes that have no where to go gracing the “driveway” and the “back yard” with their unexamined contents. After opening 400 boxes on the dead run, I hadn’t the manual dexterity to continue. Gotta rest that carpal tunnel, doncha know?

No stove hookup available, no flex line and cut-off valve. But this was paid for. So, I bought some electric burners and have been cooking with electricity. Hate it.

The meter board should have arc faults in it. They were removed by Protech’s electrician when I called to tell them the breaker was thrown when nothing much was on. I think the place needs rewired. Their fix was to remove the Building Code-required arc faults.

The adjuster who made the payments, Kent Stiles, continues to head up the investigation into my claims of his, Mazandarani’s, and Protech’s malfeasance. How can he investigate himself? I asked him this directly. He provided no answer. I had the opportunity to ask his manager, and he said Safeco thought he was the best person for the job because of his “familiarity” with the case. The man has participated in my gaslighting for over two years, masterminded the situation IMO because he is the common denominator among all adjusters who have worked on this case. Stiles took over the case from Trevor Haaswyk, who later left the state. Stiles made the payment to Beal Bank. He made the $80K payment to Protech in March even though he knew full well the job was in active dispute. I used his estimate to craft the police report itemized list of items stolen from my property. Safeco paid for all sorts of things after Protech provided them with a written estimate. Not a final bill. No invoices. An estimate, only, after two years. At this point, some precise figures should be available.

But, no. After submitting this $80K estimate to me, Protech issued ANOTHER ESTIMATE, that stated they spent $238K on this project. Again, what was installed was altered, costs changed, still no receipts or invoices presented, no explanation of the change in cost from their original “bid” of $190K to the final $238K. Stiles is the only one qualified to investigate these irregularities as he aids and abets grand theft. SMH

 

 

Finally, An Independent Inspector

After six months of wrangling with Safeco Senior Claims Resolution Specialist Kent Stiles,  whom I fired one month ago, enduring his continued attempts to humiliate and abuse me, his attempt to go through the back door of Innovations Properties to get me hooked up with the contractor network that I thought I was already a part of, an independent cost consultant was called in.

Stiles did not want him to know about the 19 days of delay that characterize the first days of my claim that was handled by a fellow named Trevor Haaswyk, now employed elsewhere. Wonder if I should track him down and get a statement? I may present this in civil court if this matter is not resolved to my satisfaction.

The inspector was treated to a first-eye look at the hideous workmanship that is Protech’s signature if all of the online reviews are to be believed. He photographed the overtorqued roof that is twisting the house and causing the apex joint in the centers of the house and garage, front and back, to separate and jut forward and backward. He saw how they deviated from the “plans”, a different set than those presented to me over 18 months of deceit.

The inspector also had a look at the last estimate submitted, documenting that Protech claims they were paid over $238K when their initial bid was $190K. They submitted no paperwork indicating why they needed this extra money. I have no documentation in this house for anything installed, no warranties for appliances installed, and a previous estimate that netted Protech $80K. That estimate was not presented for inspection. Guess the State Contractors License Board will have to take that into account.

I know the inspector found we were charged for items and services that never happened or were never installed on this property. I know he took note of the shoddy workmanship in evidence.

 

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?

SAFECO and PROTECH THEFT

Kent Stiles, Nahal Mazandarani of Safeco and Liberty Mutual, and Vincent Paglia dba Protech Construction, conspired together to defraud me of an, as yet, undetermined amount of money, two years of my time. They are responsible for the construction of a house of disputed quality, that develops problems daily.

Someone needs sued.

BEAL BANK RETURNS PROPERTY TAX REFUNDS and TRUST DEED

I have been robbedo f 47,810.92 American dollars by Beal Bank.

General Counsel for Beal Bank, Grant Hamilton, was wrong. I did, and continue to have something coming, you schmuck.

I received twice as many checks and twice as much money as was proffered before. Of course, no interest was paid. Also received the original Trust Deed document with the promissory note, stamped PAID IN FULL. That was exactly what was supposed to have happened 10 months ago when this debt was paid by confiscation of my homeowners insurance claim funds, which I expect to have returned.

One reason for the return is the court documents claimed I owed one amount and Beal Bank took twice that amount from funds to which it had no right.

Second reason for return is Beal Bank has provided no evidence that they had a right to those particular funds, that were made out to me and MGC Mortgage, Inc. MGC Mortgage had commandeered my insurance because they noticed the name on the insurance did not match the name on the mortgage–a decade later they notice this. To make the names match, they listed the mortgage as the Estate of my Mom, and said the payment came from that Estate. Trouble is, the Estate has been closed for two years. They knew this, but Beal Bank, who I had no idea was involved with my property in any way, filed foreclosure against the property anyway, citing a Trust Deed. Had the Trust Deed been in effect, it would have been mentioned during probate. It never was because the TD was not in effect for non-Californians. Says so right on the front page. Also states that whoever holds the TD can be held liable for claims against the holder should they violate stipulations. I feel violated.

Beal Bank certainly had no right to take the money and it had no right to cloak the payment under the Estate as it has been closed for two years. Why I got two years worth of property tax refunds.

My attorney failed to report the payments to the court, failed to report that Beal Bank was paid off before the case was confirmed, failed to be ethical.

I have been robbed of 47,810.92 American dollars by Beal Bank. My home was razed and that money was to pay for repairs. My name was on the check because I pay the bill for the insurance, have done for a decade.

Beal Bank is busier than a cat covering it up, desperately denying any knowledge of what their “affiliate” is up to, as if it isn’t up to doing Beal’s dirt.

Betchu know what is going on now, Grant Hamilton, General Counsel for Beal Bank who is most unprofessional, unethical, and quite possibly criminal in his defense of Beal Bank.

BEAL BANK RESEARCHES MY CLAIM

I have now received two acknowledgement letters from Beal Bank. All sorts of acknowledgement, but none of my cash.

Gaslighted for more than ten years, made to pay a mortgage I did not owe nor own. Wrongfully foreclosed against my property. Forced me into bankruptcy. I believe they bribed/threatened/paid off my bk attorney because he let Beal Bank’s claims go unchallenged, up to and including when they stole my homeowner’s insurance claim funds, cloaked the theft under the cover of a nonexistent Estate, and provided no accounting and no prommissory note plus original Trust Deed.

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.