All Forum Posts by: Haddy Elliott

Sorry for not getting back sooner. Been very busy with home schooling. I will try to answer to your comments & question as much as I can.
David Peeples- I am not behind with payment; I have been on time so far.
Garry- Out of the $20,000 I spent $3,600 to have a new roof (new roof over the old one). About a month after moving in, it was obvious there was mold. I contacted everyone involved; I immediately had a mold inspection and so it seller. Both results confirmed toxic mold. Seller agreed to remediate but (i found out later) remediator was instructed to do only part of the kitchen. Seller had indicated there was no mold in the property in the Disclosure Statement. This document was one of the important documents that was Kept by the mortgage company(loan officer and agent) until I found out from a lawyer I consulted with. There is no more leaking but there is mold that is making my child sick.
Mike C- I don't need to convince you but I will say this: The paper trail I have says it all. When I consulted with a Real Estate attorney, the first thing he asked me (after browsing through my file) was "where are your HUD documents, your closing statements". I had no idea what those documents were. You said "You said they inflated your income and you knew they inflated your income but that didn’t seem to bother you". I don't believe you understand what I wrote, Mike. First of, I presented them with my pay stubs, bank statements and all my other documented incomes. I have been working at my job for 16 years now and I never imagined that my income would say otherwise. I only found out the inflated income a year later when I wanted to refinance with the bank- the bank asked me if any info they have changed. As she was going over the info she asked if my income has changed. I said no and told her how much; that's when she told me that according to my initial application ( a year ago) my income is $&^&%& per month and I told her that was not true. I told her that I never saw that application with figures like that. I believe it is only my good credit and on-time payment history that helped me to be able to refinance at the time. Mike, you said "You would get copies of everything at that time (unless you have since lost them)" - if I got everything I was supposed to get at the beginning I would not be dealing with these issues now. Besides, I am living in the world of Special Education and losing documents does not exist at my home. I agree with anyone who believes that I should've done a background check on the people I was dealing with. I trusted them because of the person who recommended them to me.
Caitlyn- Yes, I did put a small down payment which is not much to make me want to stay here. Again, it is because of my child's condition. I have taken the seller to mediation but she wants to settle for very little. It is now left to me to move forward to file a suit; my finances is the issue since I spent a lot of my savings fixing the problems at the house. At the mediation, seller's broker and attorney asked if we will also go after the rest of the team - agent and loan officer (who were supposed to be at the mediation but decided not show up) mortage company since they also have a lot to do with this whole problem.

Dear Krzysztof Duf and MikeHO,

I thought I would just ignore your comments because of your mentality that you can't hide. I am glad that you are a minority in this world. Just to let you know, I am here to ask questions because of my situation. I am not stupid or greedy and I am not one of those who knew what was going on and played along. I am dealing with people like you on a daily basis and instead of being angry like both of you are, I show them that there is a better way of dealing with issues. So you can keep ranting and whiles you are at it, find time to understand what I wrote; clearly, you misunderstand some of what I wrote on purpose.

Jeff, David and Samuel,

Thanks for replying. Just to let you know, I was able to get the seller to also have a mold inspection done; I did one too. Both results confirm the presence of the mold. Seller sent a company for remediation for only part of the house which was not done right because I continue to smell it; seller refused to give me a copy of the results. The rest of the house continue to smell of mold. In the Disclosure statement (which would have been helpfull but was kept by my agent), the seller check marked (yes) to all the questions- that there was no mold or anything else wrong with the property. The loan offficer/house inspector gave me a 30+ page result of the House Inspection showing nothing was wrong. Come to find out he was not licenced. I ordered my own inspection only to find out all these problems. The Agent too, I found out that he was not with the Cal. Dept of RE.

That is why I just wonder why people think that every body who is in this mess today willingly walked themselves into it. The bottom line is, if I knew what I know today, I won't be in this mess. I have fought many battles with my pen (not good at bad-mouthing) but this is one that I am having a hard time with. Again, thank you for your support; if you have anymore ideas please let me know. For now, I will start looking into the media- just have to see which one.

After trying everything, I have been considering the media. My child has severe Autism and Asthma. Her asthma has gotten worst since we moved in here. Concerned about her frequent asthma attacks made her doctor to sent her for a blood test which confirmed the exposure to mold. I have nose bleeding at times which is not normal.

The companies involved are LC Mortgage, National Realty, Countrywide and most recently, B of A. I wrote to Barbara Desoer, President of part of B of A dealing with Countrywide subprimers. I sent her a package of all my correspondence from the very begining when I sensed something was wrong, and pictures of the mold. She forwarded my letter to Countrywide. Seven months earlier, I had contacted Countrywide to lower my mortgage payment; I sent them the letters I wrote to all the companies and individuals involved because of the fraud I felt transpared in purchasing the house. Countrywide "modified" the loan. I understand the amount decreased is just added to the end of the loan. Their rep. called me and promised to do her best. She asked me how much it would cost for the mold remediation and I told her. The case was assigned and this guy who called and requested a list of my bills. About a week or so later, he called and said Countrywide cannot help me at the time. When I asked him about the mold and the four feet that is fenced off by the neighbor, he said if I believe that there is a fraud involved he can give me their fraud department to file a complaint. I told him that I do not believe that it would make sense to expect that his office will investigate itself.
Because of my daughter's condition, it had been very difficult living under or over anybody; I hope we can find a detached home if we have to leave.
So far, I have been current with my payment and my credit is in good standing.

for downstairs$4,700. I do not have one for upstairs as it took me more time to realized that the mold is there too. But I am told that it will cost more as part of the wall may have to be removed. This is my child's bathroom near her bedroom.

Thanks for replying. The purchase was Feb.06. I am discouraged, the lawyer told me that we could move up to mediation and come out with a little more or nothing. Then we will need to file a suit; he feels I will win the case. Problem is, if seller is in the same boat like I am - subprime problem and maybe loses her house, I still may not get the judgement from the case. Meanwhile, I still have to pay the fees involve. He is concerned about my financial situation.

The blame I feel I have is:
1- not understanding what I was geting into
2- trusting a team who abandoned me as soon as I started to ask questions
3- needing a safer environment for my disabled child

Yes this situation is a nightmare; I can't even go back to school to finish my last few classes. I appreciate your input.

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?