Setting Things Straight….

I’m letting this blog go back to its WordPress roots  It’s much easier to upload pics to Facebook, than to upload them to Flickr (whom I also pay), and then select each pic and copy the link and then paste it here, and then delete all the other assorted code that comes with each pic.

But there was a story that needed told, something that happened over a decade ago, that I have kept quiet about. The dust had settled over the events that transpired but a year ago I heard a comment from the spouse of one of those involved that Mark ‘had gone crazy’ and taken everything back.

Mark didn’t go crazy. Mark realized he’d been lied to and cheated and stolen from and then kicked to the curb, holding a bag that cost him a lot of time and money and pain and falling out with some close to him. Everyone else was told lies and those lies became ‘facts’ to those that heard them before they spoke with me.

Back when my children were young, and my wife and I wanted to get them into Catholic school, money was tight. Interest rates were falling and we refinanced for a lower rate and to get some money to put the kids in the school we chose. A former family member had a job as a mortgage broker, and to help him and his family, we did our refi through him.

When he saw what an excellent credit rating we had, he invited me to join him and two others in a real estate investment group they had formed. Buying houses at sheriff’s sales, fixing them up, and then renting them out was a big business back in 2000 and everyone was getting in on it. I did my research, looked at what they were doing, and got in on the action.

623W22h

Damage done by angry Boobs

While the paperwork was being put together for the LLC we were forming, I would purchase the houses in order to get a better interest rate, and have a better chance at a refi on the property to have money to fix it up. If there were a couple bucks left after the fix-up, we’d all get a few dollars to bank for ourselves, and the rent money would go towards the mortgage and a fund to cover any repairs that popped up.

We made our first purchase of a house in Cleveland, and we spent a few weekends painting, cleaning, installing a drop ceiling in one half of the duplex, and repairing whatever needed fixed. This looked very promising.

7028Morgan4Door kicked in to remove cabinets

As time went on, I purchased six more houses. I trusted my two partners on two and inspected four myself. Money was being used to paint and renovate and the houses were being rented. Or so I was told. One of the houses was going to be rented to a partner.

With all the purchases and refi’s, money was coming in and my two partners, who I’ll refer to as Big Boob Vrabe and Little Boob Reynol (you’ll see why later), were taking a bigger cut of the money because they quit their jobs to do this full-time. The job I had was not one you walked away from, as the benefits and pay were excellent. The Boobs were going to Disney, buying laptops and digital cameras, and living it up. The money I was getting was going in the bank or paying bills.

7028Morgan8Furnace stolen because house was not locked

To cut straight to the chase, a house was bought on 22nd St here in Lorain. It was in great condition, and only needed tile in the kitchen and carpeting in the living room and hallway. We had the money and got it done. Bob and Bob wanted to refi the house anyway to get more money out. I couldn’t see the need for it because the house was ready to rent now, and nothing needed done. Thus began the downfall of this entire partnership.

A little behind the scenes info to put more into perspective. A friend of theirs from said mortgage brokerage, which I’ll refer to as “Columbus Home Mortgage” (to protect the innocent and not-so-innocent), was apparently creatively submitting these applications. I’ll call him ‘Dave Not-ready”. Dave got pissed with me when I apparently asked the ‘wrong questions’ in front of the representative of the loan institution that was financing the last house we purchased. More evidence that something stinky was afoot. (Also, they had this insurance agent putting through the paperwork, listing each of these properties as my primary home, in order to get a lower rate. More BS that I learned later.)

So, due to my unwillingness to refi the property on W. 22nd, I was booted from the group. Words were exchanged, none of them pleasant, but I was expected to disperse funds from the pending refi. I was left holding seven properties with mortgages worth a little over $500,000. My intent was to sell them, because I couldn’t work and do the real estate thing. They gave me the keys, and I visited these houses to see just where I stood.

Yea, I had 6 houses that weren’t worth diddly. Cabinets had been installed in a few of the homes. These two returned and yanked them all out. Money had been paid to them for a dumpster to empty out an attic and garage at a house on Morgan in Cleveland. All the garbage was still there. Because they failed to make a duplicate of one of the keys, they beat in a brand new door at one house so they could remove more cabinets. They spray painted obscenities on the wall and ceiling at another Lorain property, but they did it in Spanish to try not to incriminate themselves. Materials from painting and cleaning were strewn over another house because they were pissed.

Other things came out after the fact. Loose lips sink ships, and all. When visiting the properties and speaking with the neighbors, I learned that these guys would pay a neighbor kid $20 to mow the lawn while they threw a football around until he was done. A lot of their ‘work afternoons’ were spent at a strip club, drinking and throwing bills at the girls. There was even a discussion of hiring some of the strippers to paint the interior of a couple of the houses, and the Boobs would sit in chairs and drink beers and watch.

I made the difficult decision to file bankruptcy and let the banks foreclose on everything. Big Boob expected me to continue to let him live in the one house (which was in Elyria), and to draw up a lease-to-own agreement. After what I was left with, I told him he had 30 days to get out. He left garbage in the house, a mattress, took part of a window so that the house was open to the elements, and broke most of the ceiling lights.

Word got back to them through a mutual acquaintance that I was going to file bankruptcy and stop paying on the houses (banks won’t foreclose until after you’ve stopped making payments) so they told all the tenants to stop paying rent. This later led me to file suit against all of them in small claims court in Cleveland for unpaid rent. This meant months of driving to Cleveland after working all night and sleeping in the court house until court convened in the morning.

Still trying to find a way to deal with their anger over the end of the gravy train, and trying to cover their butts should I try to sue them, they went to Cleveland one night and set fire to the garage on Morgan that had all the garbage in it. The Fire Department came and put out the fire and then just hours later, they returned to the property and set fire to the house. How do I know? Because when I found out this happened weeks later, I went out to see for myself and to talk to the neighbors. Three neighbors all told me they saw two men running away from the property that night that fit the descriptions of my two partners, one short and round, the other tall and thin.

Guess what happens when a property that is being foreclosed upon by a bank, owned by someone who’s planning to file bankruptcy, is found to have burned due to arson? The Bureau of Alcohol, Tobacco and Firearms investigates. Yup! Now I get to drive out to Cleveland a few more times to meet with an agent with ALL the paperwork I have concerning housing appraisals, mortgage paperwork, insurance information, and leasing agreements. They found me completely innocent of any wrongdoing and wished me luck should I pursue charges against my former partners.

Meanwhile (yes, there was other stuff still going on), these two hold a pig roast at the Elyria property on money they got from me to try to entice other family members to invest in their venture. Well, there was already a divide between some of the family based on the lies they told and the facts they got from me and my wife. After hearing from us, they all politely declined due to shortness of extra money. (Big smile!)

Not getting any takers on the investment side of it, they decided to try their hands at remodeling and home repair. They talked another family member into taking a loan out against her house and they would replace the gutters and make other repairs. Well, Little Boob ended up putting his foot through the roof and damaging the ceiling in the back room of this house. And when they replaced the gutters, they hung the gutters with an INCH-AND-A-HALF of space between the edge of the house and the back of the gutter!! “It’s supposed to be like that!” they claimed. Imagine the additional BS I’d have had to deal with had they actually WORKED on some of my houses!!

So, on top of taking non-paying renters to court and dealing with mortgage companies telling me I should beg family members for money so my house doesn’t go to foreclosure (LMAO-Dude, I ain’t livin’ in that house!), the Boobs then got the residents to break stuff in the houses and outside the houses so that Cleveland Housing Inspectors would cite the houses and I’d have to repair them. Driving 45 minutes to East Cleveland to fix the interior of a toilet tank, a part that NEVER breaks, is a pain in the backside. But they were being boobs and I just looked forward to the day that all this would be over.

One of the houses had a porch, and nice wooden spindles along the railing. These were kicked out and thrown around the yard. I was contacted by a housing inspector who told me I had 30 days to repair the spindles. I explained that the house was in foreclosure proceedings, I was filing bankruptcy, and I didn’t have any money to fix that. She told me she understood and asked that I keep her informed on the progress of the foreclosures.

Got another notice 40 days later, telling me I needed to replace the spindles and paint the porch on the property. Another call to the inspector, who ‘sounded’ concerned, told me not to worry about it, and to continue to keep her posted. Thanks!

Received a summons to appear in court for inaction concerning the repairs of the porch and the paint. I told Judge Pianka what my situation was and about the conversations I’d had with the inspector. She denied EVER telling me not to worry about it and said she had told me to try to do whatever I could to fix them up. Guess who Pianka believed? Now I had 30 days to make those repairs or end up in jail, plus I would pay about $500 in fines and court costs. At this point, as far as I’m concerned, ‘everybody lies’.

I got a notice in the mail that there was a warrant out for my arrest for failure to appear at a court hearing. Seems the Boobs told a resident that if he made any repairs or painted the house, they would deduct the cost of the materials from his rent. After he made the repairs, they lied to the renter and said I changed my mind and refused the deduction. So the renter called a housing inspector to the house to complain about a railing and a notice to appear in court was issued. However, the Boobs told them to list my mailing address as the one at which the renters were living and I never received the summons. So, someone mailed it to my home. I called the Court, and was told I could come in and pay the fine, but to be careful driving, because if I was pulled over for anything, they’d see the outstanding warrant and I’d be arrested on the spot.

Needless to say, I pretty much held my breath all the way into Cleveland, doing EXACTLY the speed limit. I almost ran up the steps to the court’s office to pay the fine. Once that was done, I almost broke down. I’ve about decided that there is no end to all this BS.

I think I mentioned earlier that there was a refi in the process when the ‘business’ was dissolved. I kept every penny, and disbursed none of it to the two knuckleheads. Now, mind you, I could’ve buried that money, about $9,000, in a hole and filed bankruptcy and dug it up later. However, in my mind, it wasn’t my money and I wasn’t going to be a cheat. So I used it to pay the mortgages on all those properties until it was gone. The last payment was made in November of 2002. My bankruptcy was filed in the spring of ’03 and discharged in June, I believe. It was done. The properties were forfeited back to the mortgage companies, the only house I had to worry about was my own, and the only building I would need to concern myself with was with rebuilding my credit.

What about the Boobs, you ask? Little Boob got divorced. He ended up refinancing his own house to live on that money, and then trying to flip it to someone to get more money out of it and instead, got none of that money back and stuck with an even larger mortgage. At the end, he had sold almost the entire interior of the house on eBay before he lost it.

Big Boob just recently bought a lot in Amherst, apparently with the hopes of building on it. He’s been sponging off his wife’s family for the last 14 years. Big Boob’s wife was heard to say, when she found out that her husband was doing something a little sly and in the ‘grey area’, ‘I don’t care as long as there’s money coming in.’ Interesting.

Me? I still have my home of 22 years, celebrating 21 years at the job that I kept. I keep to myself and prefer to do things alone or with my wife and children. I haven’t gone crazy in the least bit, as you can see.

There is a lot of unpaid court settlements from renters that had judgement rendered in my favor. So, if there are any collections lawyers that would care to take this up, I’m sure there’s a few bucks in all of that for both of us.

Bessemer15“Wonderful” house in Cleveland

7028Morgan9Attic that was never cleaned of the house that was burned

West101gHow the Boobs cleaned up after a job

7028Morgan6Cabinets they damaged because they were angry

Scam – September 11 Attack Fund

(I changed the title of this post as it was drawing tons of spam. We’ll see if that helps eliminate it.) 

(How to tell a scam from the real thing (hh)): 

First of all, a scam email wouldn’t put the word “Scheme” in the subject header of the email. Or would it??

Office of The General Co-coordinator
World Bank September 11 Attack Fund Scheme
Milbank Tower, 12th Floor
21-24; Milbank
London SW1P 4QP
ENGLAND.
Tel:+44 70 24 03 64 87

(Why would some organization dedicated to helping families of victims of the September 11th attacks be based in London? To my knowledge, no other country sent help of any kind after the attacks.)

This is to bring to your notice that the World Bank and International Peace Committee have finally resolved to assist the general public on the September 21 2001 ( 9/11 ) attack on the World Trade Fair, United States of America.

(Why would the ‘general public’ need monetary help 7 years after the attacks?)

On that very morning, terrorists affiliated with al-Qaeda four commercial passenger jet airliners. (Scam perpetrators always use proper grammar and English. Question: What did the terrorists DO with the airliners in the first sentence? Ooops.) The hijackers intentionally crashed two of the airliners into the World Trade Center in New York City, resulting in the collapse of both buildings soon afterward and extensive damage to nearby buildings.

The hijackers crashed a third airliner into the Pentagon. The fourth plane crashed into a field near Shanksville in rural Somerset County, Pennsylvania after passengers and members of the flight crew on the fourth aircraft attempted to retake control of their plane.

Excluding the hijackers, 2,974 people died as an immediate result of the attacks with another 24 missing and presumed dead; the number of immediate victims totaled 2,998, the overwhelming majority of whom were civilians.
The dead included nationals from over 80 different countries. In addition, the death of at least one person from lung disease was ruled by a medical examiner to be a result of exposure to dust from the World Trade Center’s collapse,
as rescue and recovery workers were exposed to airborne contaminants following the World Trader Center’s collapse.

The attacks had major ramifications around the world, with the United States declaring a War on Terrorism in response and launching an invasion of Afghanistan to depose the Taliban; who had been accused of willfully harboring terrorists.
The United States passed the USA PATRIOT Act, as many nations around the world strengthened their anti-terrorism legislation and expanded law enforcement powers.
Stock exchanges were closed for almost a week, and posted enormous losses immediately upon reopening, with airline and insurance industries suffering the greatest financial losses. The economy of Lower Manhattan ground to a halt, as billions of dollars in office space was damaged or destroyed.

Due to all that, the World Bank has decided to run a Free Fund Scheme in-order to assist the general public who where either directly or indirectly affected by the attack because it affected the whole World. (Why capitalize ‘World’?) Your email address was selected through a computer balloting system (Lucky me!!!) drawn from Nine hundred thousand E-mail addresses from Canada,Australia,United States,Asia, Europe,Middle East (Why would folks in the Middle East need money? Or Australia for that matter????) and Oceania (Oceania???WTF?) as part of our international promotions for this programme.

The selection process was carried out through random selection in our computerized email selection machine (TOPAZ) from a database of over 900,000 email addresses drawn from all the continents of the world.
This programme is approved by the British Gaming Board and also Licensed by the The International Association of Gaming Regulators (IAGR). It is the 3rd of its kind and we intend to sensitize the public. (Sensitize? How about ‘notify’?)

Payment centers are located in various banks approved by World Bank all over the world and not only in America and London as speculated. (If they’re just now ‘sensitizing’ the public, who would have speculated on the banks??)

By this notice, you have been made a fund beneficiary of the sum of Eight Hundred Thousand United States Dollars only ( $800,000.00 usd ) (Instead of cash, can I get that in gasoline?? Gas is worth more.) and all payments have been mapped out to be made by posting a certified International Cashier Cheque to all beneficiaries.

Due to your current location, your payment center has been chosen to be Barclays Bank PLC London (London’s the closest they could get??) and you are expected to contact them with the following information

Contact Person:Prof Nicholas Morgan

Contact Email:worldbank.cordinator@gmail.com

Contact Phone :+44 70 45 744 401

You have to contact them immediately providing them your details as follows

1.Your Full Names ( Surname First ):………………….

2.Country:………………………

3.Occupation:……………………

4.Contact Address ( This must be your current address as it is the address where your Cheque will be posted to )>>>>>>>>>>>>

5. Age:……………………….

6.Your Phone Number:……………………….

You have to send them your detailed information as requested to enable them locate your File easily on their system
and draft your Cheque for posting.And you can call them on the phone for quick response.

NB: DUE TO THE PROBLEMS POST ON THESE SCHEME, ALL FUND BENEFICIARIES ARE WARNED TO KEEP THERE FUND PAYMENT AWAY FROM THE GENERAL PUBLIC AND (Don’t tell anyone!! So that these guys have time to sucker you!!) ANY OTHER PERSON TO AVOID DOUBLE CLAIMING OF FUNDS AND IMPOSTER’S AS OFFENDERS WILL HIGHLY BE PENALIZED.

Regards,

Dr. John Meyers
Co-coordinator,World Bank September 11 Attack Fund Scheme.
Tel:+44 70 31 800 985

privacy:
we want you to know that this award his real and not a scam and you should handle it with all seriousness.we wish you the best and also good life as you claim this award with all your mind. Any body claiming to be the World bank insuring an award apart from this is all scam so stay wise.  (Whew!! Now I know I can trust THESE guys, because ANYTHING ELSE is a scam!!  So this is real! Right? )
…………………………………………………………………………………………………………………………………………………………………………………………………….
©2008 copyright only world bank.

It takes a special kind of person to concoct a scam such as this, playing on the 9/11 attacks. It’s my understanding that there’s a special kind of hell for these people when they die.

At least, I hope there is.

There’s all kinds of scams out there, folks. Please don’t let yourself be a victim.