Me and MGC DOVENMUEHL BEAL (REAL/REAL)

Suddenly, the IL branch of MGC is no longer listed on my homeowner’s insurance, but a TX branch has replaced them.

Response to BBB complaint came from TX. Must read and respond, but quick peruse offered no explanation of their practices in my case.

Received written notification that my loss mitigation package was received complete. Now, they need 37 days to review it. Meanwhile, there is a realtor trying to get payoff info so I might escape the clutches of this evil corporation. I have no confidence iin this company and resent being forced to continue doing business with them. This is only possible because I have no money.

Banksters vs Hamilton: The Latest (Real/Real)

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.

“Walked Past a Church Yesterday, Had This Poster on the Door”…

Originally posted on Kindness Blog:

Even if you’re not a religious person, surely this is a church you’d have to at least step in to and say hello!

Walked Past a Church Yesterday, Had This Poster on the DoorSource: jbbarnes88

Photograph location: St Clements Church, Leigh-on-sea, Essex, England (http://www.stclementschurch.org.uk/)

Transcribed for anyone who has trouble reading it from the picture.

“We extend a special welcome to those who are single, married, divorced, widowed, gay, confused, filthy rich, comfortable, or dirt poor. We extend a special welcome to those who are crying new-borns, skinny as a rake or could afford to lose a few pounds. You’re welcome if you are Old Leigh, New Leigh, Not Leigh, or just passing by.

We welcome you if you can sing like Pavarotti or can’t carry a note in a bucket. You’re welcome here if you’re ‘just browsing,’ just woke up or just got out of prison. We don’t care if you’re more Christian than the Archbishop of…

View original 195 more words

Learning Curve of the Perplexed (Real/Real)

Finally, spoke with attorney who put my understanding straight. Mortgage companies do not have to tell you to file probate. They only have to collect their money because they are a secured lender. They just get their money or do what they are doing to me, selling the property.

I will have to assume the loan, but now that the balance is 3x what it was before this foreclosure started, I still feel ripped off, but the mortgage company has done nothing wrong. How can this be right?

Since no one is required to tell heirs what should be done when dealing with mortgage companies, particularly ones that do not communicate any info other than where to send the payment, a manual should be created to inform consumers of what basic steps can be taken to protect our interests and save our property from seizure through questionable business practices.

There oughta be a law requiring financial institutions to inform people of steps they should take after the death of a parent who leaves real property. The fate of our inheritances should not rest on the caprice of a moneylender.  Secured lenders should be required to file claims against Estates just like unsecured lenders, and they should have to do it in a timely fashion.

What has happened to me should not happen to anyone else just because they have no money and cannot hire an attorney.

Well, off to find some cash….

MGC Mortgage: Saga cont’d (Real/Real)

As the 15 July 2015 sale date approaches, MGC Mortgage is still attempting to get me to assume the loan. They refuse to acknowledge the many years of payments made for which I was given no credit. All that has occurred, until probate was filed, under my mother’s name and credit. They refuse to stop the sale unless I assume the mortgage. They refuse to state why no claim was filed against the Estate.

Filed a complaint with BBB Illinois, who has contacted MGC Mortgage, but they have 14 days to answer. I do not expect them to respond. Unless I get an Order for Injunctive Relief, it will be difficult to stop them.

MGC MORTGAGE, INC. cont’d (REAL/REAL)

Have filed a fraud claim with Consumer Affairs, complaint with California State Department of Business Oversight.

Will likely have to file for Injunctive Relief as MGC Mortgage, Inc. and the Law Offices Of Les Zieve represented by Ms Karen Talafus are incommunicado, closed to observe the holiday.

I am right indignant at being left uninformed about what to do when dealing with the real property of a deceased parent and a conniving mortgage company/bankster. There really oughta be a manual.

Everyone I have spoken to seems unfamiliar with what is plainly written in Probate Code about rules and regs, conditions and responsibilities of parties involved in probate proceedings. Everyone assumes the mortgage company must be paid. Well, they should get what is rightfully owed to them, and the rules of probate detail how that is supposed to work. Paralegals, look under Creditor Claims, Mortgages, Deceased mortgage loan holder. A creditor has a year from the date of death of the decedent to make a claim against the Estate. Dead people are not supposed to continue to rack up bills. A creditor has to be notified about the probate proceedings in a timely fashion so that they can make a claim against the Estate of the decedent. They have, if I have interpreted and remember correctly, about four months after being notified to file their claim with either or both the Court and the Estate Administrator. MGC Mortgage, Inc. was notified of my mother’s death in 2005, but failed to notify me to file probate. In fact, the first time I heard someone mention the word probate was last Friday when, after 48 minutes of transfers and holds, I contacted Ryan in the Foreclosure department of MGC Mortgage. He informed me that the property had to go through probate and seemed right stupefied when I told him probate had already closed. He asked me to fax him corroborating docs, which I did. I also mailed a hard copy.

I was told by Karen Talafus that my faxed copies were illegible, could I send the copies to her. She works for the law firm of Les Zieve acting as Trustee in the auction. I emailed her the copies. That was Wednesday morning. Still no word from either bankster about this matter. They are stalling, but they will be stopped.

Legally, MGC Mortgage, Inc. could not file a claim against the Estate because they are long past the year limit, nine years past the limit. That needs explaining. My name is not on her loan documents, but I was led to believe I had to continue paying the loan, all these years getting no credit for doing so. That needs explaining. Presently, it is my mother’s credit that is being wrecked on paper. Why, nearly a decade after her death?

Probate was open for three years. MGC Mortgage, attempting to squeeze every dime from me, finally started foreclosure against my mother, ten years dead, and is planning to sell the property at auction, no matter what the Probate Court found, on 15 July 2015. This is the reason to file for Injunctive Relief, as the property title was transferred to me by the Court after no claims against the Estate were received.

Such arrogance and gall. And they continue in their extortionist behavior without stop. I wonder how many people they have rooked out of their property?