Prowly's House
Thursday, July 18th, 2024 10:39 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
snoozefestaudio |
70F and sunny this morning, only going up to 74F!
With the house sale on hold for at least a week, today is... just a Thursday.
Back on the last Friday of June, I began painting doors at the high school... big metal doors with crash bars and kick plates, separating major sections of the first floor... and I began with a bank of four doors that day.... taping and edging them, before rollering on the paint.
I'd originally been told to simply touch the doors up, around the building, but the paint I was given to do it was a slightly different color than the doors!
At the time, I thought it would dry to blend in, but noop!
So that last Friday in June began the push to entirely repaint every door I'd touched up.
And yesterday I finally got the last one... after painting a total of thirty-two doors!
Apparently this was the first time anybody's ever painted 32 doors in a row, like that, because I went from being barely noticed, and a little suspect, in that building... to this hardworking hero, doing a great job!
Prowly ate yesterdays's food... he always clears the plate clean.
I left him more while running the hot water, topped off his dry food, and refreshed his water.
Also opened the kitchen casement window wide, to let in fresh air, since today was gonna be a relatively mild day.
Never imagined he & I would be doing this melancholy routine for so long!
You might think that with all this extra time, I'd be devising a new plan to get him over here, fixed... but I'm not.
On that last encounter... he communicated his wishes, very poingnantly.
Now we have this different thing, where I show up, change a few things around... like opening a window or something... and dump a can of moist food onto a paper plate on the kitchen table for him.
And every night, he comes in and eats the entire damn thing... which he used to not always do!
When I lived there, often he'd only eat about half the food, and then refuse to eat the other half the next day, because it'd gotten a little crusty.
I feel he's eating it all now as a way to tell me, "I'm still here! Are you coming tomorrow?"
And when I leave the food, I'm saying, "Glad you're still here! I'll be back tomorrow."
And like I've said, we'll just keep doing that until the day the dumpster arrives, and he demo crew gets to work.
But now I'm starting to wonder if that day will ever actually come!
Clearly, I do not understant jack squat about the intricacies of real estate law and finance.
So it's impossible for me to answer questions like...
- If the original title team had forgotten to get the payout agreement for the HELOC, how could they possibly have been ready to close?.. Cuz they wouldn't have even known how much money, in total, was owed to BMO yet!
- How could Taylor and his underwriters be keen enough to catch the TODI problem... but still not notice they didn't have the HELOC numbers?
- Why would BMO send payout numbers for the main mortgage, but not say something like... But there's also a HELOC, so you can't buy this house without paying us that balance too!
I feel like the answers to those questions can't possibly be, Well, this sort of thing happens all the time!
Because we're talking about foreclosures!
The HELOC was the reason for the forclosure!
How could you go to buy a foreclosure home... which is the only kind of real estate you buy... and FORGET... to obtain the payout information on... THE REASON FOR THE FORECLOSURE?
I really feel like what had to have happened was... they were waiting on the payout information for the HELOC... and an envelope came in the mail from BMO, that they thought was the payout numbers....
And instead it was a letter that said...
"Hello!
We cannot discuss the HELOC in question, due to the fact that it is delinquent, and the ownership of the home is not resolved. The TODI on record is not valid, and the house has not been through probate, so nobody at the moment has the authority to sell that house.
Mwa ha ha hah!
Please resubmit your payout request when the matter has been resolved, and maybe we'll take your money!
But maybe we wont!
Mwa ha ha haah!
Sincerely,
-BMO Harris Bank
And that's why we had the mad scramble for the siblings to authorize me to sell... and only after those papers were on the way, did Taylor make up the fake story that the original Title company had forgotten to even ask about the HELOC.
Again!.. I don't understand any of this shit... I thought I owned the house, when I didn't, because I'm a huge moron!
So the above could just be more garbage speculation on my part... as there's been so much of in this blog, throughout the past year!
But there's one thing I DO know for certain... and it's that BMO Harris IS evil!
And I could be insuring & electrifying that house for many months to come!.. and feeding prowly too!
I may not have to worry about him this winter at all... cuz he'll still be sleeping inside that house on my queen bed!... into next MAY!.. and BEYOND!
My head is all over the map on this bullshit, because the bullshit never resolves.
A few days ago, I was talking about Taylor being the hero going into the final boss battle.
Last night I was talking about ancestral spirits with a convoluted plan.
Tonight I'm thinking Taylor's doomed to fail... and there is no plan, other than... it's Prowly's house now, but I have to pay the utilities and insure it for the rest of my life!
If I get that raise, then I can just keep doing that forever!
And I will!
Eventually they'll be like... why?.. is he not fighting?.. or dying?.. how?.. is he still just keeping the lights on? What?.. can we do?
Let's finally auction it!
What?.. No!.. no.. what if that's what he wants us to do?.. No!..
Bottom line is... not only is it not my debt!, but it's not my house!
It's Prowly's house now... but legally it belongs to me and my five siblings!
So they can't make a foreclosure stick to my record!
I'm not responsible!
I'm only paying the electric and insurance for the fuck of it!
And I guess we'll explore the implications of that... if and when Taylor gives up on buying the house... and it goes into limbo.
°¦}
