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 . . ..

Blessing in Disaster (Real/Real)

Blessing in Disaster (Real/Real)

The winds were high and apparently gentle, but the property-line tree fell on my home. Happy Earth Day! The tree was over 60′ tall by a ways. The utility pole stands that high and the tree towered over that, all five branch trunks growing from the main stem. Hard to believe the tree started from something like a weed, easily yanked out of the earth before it can grow into the heavy colossus guarding the property line.

When the branch cracked away from the central trunk, I was sitting under it in my bedroom. You know that sound you hear in films about the lumbering industry, hacking down the forest, shouting,”Timberrrrrr!” The tree cracks away from the base and the upper branches whoosh earthward through the air. I heard the crack, heard the whoosh, and was out of the room by the thud that signaled the trunk had come to rest on the roof and on the roofs of the next two houses. No damage to any roof but my own. Thank you, Mother Earth.

The ceiling was kept up by things sitting atop the closet. I can see daylight where the wall of the house buckled and burst at the seams from the weight of the limb that laid atop the roof for 3-4 days. The general contractor said the only reason the tree did not come into the room is because it was small. Saved by geometric configuration and physics.

The general contractor also said the house must be razed.

I await the adjuster/appraiser. Long wait in a precarious shelter. I refuse to go into my bedroom. Just moved to the living room, though it is somewhat dicey up here as the neighbor continues to host a colossus, some of its branches overhanging my property….

What Have I Learned? (Real/REAl)

It really does matter when you file probate, as opposed to the disingenuous response given me by Beal Bank that no matter when probate is filed, it makes no difference.

Well, bugger that. Had I filed probate immediately after my mother’s death, I would not have incurred the huge tax bill that I did when I filed change of ownership paperwork, on the advice of MGC Mortgage, Inc. aka Beal Bank, before I filed probate. When I could not pay the greatly inflated taxes, MGC was able to open an escrow account and get one tentacle around my home.

Now that probate has closed and the tax assessor knows who is the owner of the property, the reappraisal that was triggered will be eliminated and I am due a significant refund. This I will report to the FDIC, not that I expect the information to be of any use to me, but perhaps others who have dealings with Beal Bank have had this experience. I continue to believe Beal Bank is due for a serious audit, but I know it will not happen in our current corporate-supportive context.

I think the advice to file change of ownership docs constitutes giving legal advice, just as advising me about probate would be considered giving legal advice. There seems to be no way to beat a bank, no matter how crooked and corrupt it may be.

The law needs to serve the people. The law needs to be accessible to the people.

When are we going wake up to our diminishing rights and representation by those who have sworn to serve us?

 

These Are the Facts (Real/Real)

It took 18 days for my insurance company to respond to my claim. Seems the mortgage company called and changed the pay arrangement I’d made with the insurance company 5 years ago to deduct my insurance payments directly from my bank account. The mortgage company is alleged to have stated they were opening an escrow account and would be paying the insurance from now on. Then, when the bill went unpaid for a couple of months, I received a warning letter that the insurance would cancel shortly. Well, bafflement aside, I paid the insurance in full so that there should be no more problems until time to renew, which is coming soon.

Beal Bank is claiming their interest in the property is not protected by an adequate equity cushion. Wonder what that means as I owe only $44,185.85 as of 7 June 2016 and there is four times that much equity in the property AND the insurance is covering the claim, which will increase the value of the property.

Beal Bank claims they will reach out with possible loan modification options, but we have been over that ground before. Besides, they do not handle home mortgages, according to their Plano TX office and I have already been denied loan modification twice by MGC Mortgage. This backhanded, iffy offer is conditional upon the BK court lifting the stay to foreclose on the property.

Beal Bank will stop at nothing in its attempts to wrest my home from me.

This is what a senior can expect. This is what a veteran can expect. This is what a college graduate can expect.This is what one disabled can expect. This is what the remnants of the middle-class can expect: What you have worked, sweated, struggled, and sacrificed for can be taken away from you, no matter all your playing by the rules, by a corporate entity that can hide behind the law and paperwork. The agencies that are supposed to look out for the consumer are in conflict of interest situations with the oppressors. For example: Beal Bank v FDIC.

There is a 2009 article by Tyler Durdan on the Hypocrisy of the FDIC that I cannot bring up right now, but I will continue to hunt it as Beal Bank is featured in the article.

I have no idea how things are going to turn. After suffering what felt like strange treatment from my insurance company, things have turned there. Seems I had a crooked contractor. His major interest was in money. He was shady from the start, suggesting I move and store my own furniture and pocket the money. Cray-cray. You should have seen my new adjuster swoop in and slay the dragon who lied, came unprepared and incorrect for a woman on her job, a woman of distinctive family heritage, with a good name known for many generations. It was thrilling to watch her work, exposing what I think would have been considered fraud. It is so unfortunate that one cannot conduct business with African-Americans any more. Always come shady lately, if they come at all.

 

 

A very large limb from a very tall weed fell on and crushed my bedroom. It didn’t crush it to bits, but the limb did hit with enough force to split my bedroom at the seams, crush the center beam and godtotell what’s up with the rafters. The wall is leaning away from the ceiling, which is cracked and broken.

The house was built in 1927 that I know and there never was a foundation, but crawl spaces did exist for I sometimes crawled under the house to go exploring. Lots of spiders’ webs and plants that grew in the dark. Sometimes, they’d grow right through the spaces in the wooden floor. Tongue-in-groove, but they grew around the wood. I’ve always appreciated the heartiness of the earth and the plants that come out of it on my small patch. I have digressed.

The insurance company that I have paid for the past 5 years sent no one to inspect my damages for 18 days. The estimator told me that he thought he should refrain from making an estimate until a structural engineer assessed the damage. He went out and spent a great deal of time in his vehicle writing his conclusions. I thought he ordered the structural engineer. He told me he was, but when I called to speak with my adjuster several days later to ask when the visit was scheduled, his second knew nothing. The engineer did show up shortly after I made the call.

My claim rep communicates poorly, if at all. He seems to have dealt with my case in haste. Or, was he somehow corrupted by MGC/Beal Bank? These monsters contacted the insurance company and told them that they would be paying the insurance. My insurance payments have never been late as they are directly debited from my bank account. Because MGC/Beal Bank is listed as the lienholder, they are allowed to make some changes at will. This change resulted in me receiving a warning letter from the insurance company because the premiums had not been paid for two months. The insurance company also told me, the person responsible for paying the bill for the past five years, that they were responsible for protecting the lienholder’s interest. Where does that leave the consumer, the person directly dealing the with the loss? With your interest unprotected.

This bloody bank can hide behind the law. Everything the bank does is protected behind legalese and legal fees.

The fight to save my home continues.

 

 

 

 

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.

Evening Prayer 2.6.16, The Martyrs of Japan

It is a perfect month to celebrate the return of this Native American artist.

The Daily Office

“Can it be that the authorities really know that this is the Messiah?”

Yvonne Chouteau has died, a star with the Ballet Russe de Monte Carlo who was known as one of five American Indian ballerinas of Oklahoma. She was part French and Shawnee-Cherokee. In later years she founded the School of Dance at the University of Oklahoma and a company that became the Oklahoma City Ballet. (Jack Mitchell) Yvonne Chouteau has died, a star with the Ballet Russe de Monte Carlo who was known as one of five American Indian ballerinas of Oklahoma. She was part French and Shawnee-Cherokee; in later years she helped found the School of Dance at the University of Oklahoma and a company that became the Oklahoma City Ballet. (Jack Mitchell)

From the rising of the sun to its setting my Name shall be great among the nations, and in every place incense shall be offered to my Name, and a pure offering; for my Name shall be great among the nations, says the Lord of hosts. Malachi 1:11

INVITATORY AND PSALTER

O God, be not far from us.
Come quickly to help us, O God.

Glory to the Father, and to the Son, and to the Holy Spirit:
as it…

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