Need help...who is responsible here
In my subprime situation, my agent and loan-office inflated my income, convinced me to sign all the documents to "move things faster". Loan-officer, told me not to worry about the inspection that he is a licensed one. I had no idea what other documents they were supposed give to me. One week after moving, water leaking and I realized the roof was leaking (seller painted over it). Mold started showing up every where. Loan officer said they would fix everything and did not. I paid a Real Estate laywer who called my agent and demanded that they release the HUD docs, Disclosure statement docs and the rest. I hired a house inspector and found tones of defects and encroachment of part of the property by a neighbor. I have a child who is already permanently disabled and is getting sicker from the mold. The doctor's report and a lab test confirmed being exposed to the mold. I have contacted every one but no one wants to do anything including: HUD, Cal.Dept of RE, Dept. of Corporations, the Governor of Ca. our City manager, the seller and her agent and broker. The emergency money I had I used to pay an attorney and we went as far as mediation but seller and her broker wants to settle for $2,500; I already spent over $20,000 to fix some of the repairs.
I have no access to my phone box and gas meter unless I go round through the neighbor's yard who are not talking to me since I asked them to move their fence to the property line. They leave their dogs loose and incase of emergency, I don't know what to do. Where do I turn to since I do not have the $ to hire an attorney for a civil suit? I am very worried about the long term effects of the mold on us.Any ideas?