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No Backsies, BMO!
Tuesday, August 13th, 2024 10:16 pm |
70F and clear tonight, with a waxing gibbous moon.
Today was Freshman orientation... first day since I've been there that there were students all over the building... and not just for a couple hours either.
They weren't out of there until 8:30PM!
It was kind of a nice shot in the arm to finally see this high school, being a high school, filled with crowds of young people parading from one place to another... talking to each other about their schedules, and so forth.
Last year, it was nice to be able to witness an entire school year at Cloud... the little elementary school.
But this year's gonna be even more interesting... at a huge high school!
Back before the house sale closed, when the Lake lawyers were having trouble getting a payoff quote for the HELOC, I called BMO's Loss Mitigation Department one morning... thinking maybe that would help.
I entered the loan number of the HELOC, and the bot put me on hold.
I sat there listening to the hold recording for about 35 minutes before IT hung up on me!
So I figured, fuck them!, and went to work.
But the next day, while driving, I got a call, and the ID said, "BMO," because I'd put this particular number into my phone last summer when I was still in a dialogue with Loss Mitigation.
I figured that somebody had seen they'd gotten a call from Pat Melody (because my cell was on file with them) about the delinquent HELOC, and now they were desperately trying to call back like, Wait! We didn't mean to hang up! We still want you to assume the debt!
I did not answer, of course.
A few days later was the closing.
But since the closing, I've been getting calls from this BMO Loss Mitigation number, nearly every day!.. even on Sundays!
And some days they call me twice!
And I'm starting to wonder what's up?
Like... that house has been SOLD, and as it turns out, I also never owned it!.. meaning they have no business calling me anymore.
So either they're just stupid and haven't gotten word that the house sold... OR... BMO's lawyers really DID screw something up!
And now Loss Mitigation's calling to say, Look!.. there was a mistake made in the final settlement, and... well, you seem to have accidentally gotten the 13K that was meant for us!
We... we can't do anything by law about that now, but you must know that this was just a mix-up, and... well, you seem like an honest guy who knows to do the right thing, huh?
It would be kind of silly for all of this to have happened over the past year, and then you walked away with our money, right?
People over here could lose their jobs if we can't fix this, and we know you wouldn't want that to happen!
So, if you could just kinda... give us... that 13K... we'd love you to death!
Man!.. I'd love so much for that to be true!
I'd LOVE, if that 13K has turned into an internal hot potato within BMO now, being tossed around between departments, with everybody losing their jobs!
Maybe a few of them will get foreclosed on, and have to give away their pets!
My previous theory, about the 13K at closing that nobody can explain, was that they discovered the balloon only kicked in because of a computer glitch, and forgave it at the last minute to avoid being sued by me, for... wrongful foreclosure, and pain & suffering, or whatever.
But that was before Loss Mitigation started stalking me, like an ex-girlfriend.
I think at this point it's fair to say that nobody knows, or can ever know... what was really going on with that HELOC!
Mom died right after taking out the damn loan.
Dad had no comprehension of it.
He was told he'd have until 2033 to pay it off.
He died before it hit maturity, and then a computer said it was all due immediately.
It went into limbo for a long time.
As a 2nd mortgage it shouldn't have been foreclosed on, but it was.
Payoff numbers kept changing.
And somehow it disappeared altogether on closing day!
And now that's the end of it!.. no backsies!
So... only conclusion now is... that -13K of debt never really existed!
It was just a number in a computer that got cancelled out.
But somebody else cut me a check for 13K... because of the math I was doing... based on what BMO thought was going on!
It get's weirder, because I never owned the house... but I thought I did!
In reality, it kind of belonged to me and my five siblings equally... but not in any documented way!
Mom & Dad's will was null & void, and there was never any probate process, so on paper, it did still belong to a dead man!
Most of the utilities also stayed in the dead man's name, the whole time I lived there!
So all I was really doing was being the executor of the estate!.. keeping the utilities, mortgage, and insurance paid out of my own pocket, while I maintained the property, and walked the dead man's dog!
When the balloon crisis hit, it's a good thing I didn't just enter loss mitigation, and formally assume the debt... because my name wasn't really on the deed!
I didn't know that, of course, but it also wasn't instinct that kept me from assuming the debt.
It was Loss Mitigations's own instructions for me to hire a lawyer before going down that path.
Instinct started kicking in as I learned how inept, lawyers and banks really are, about resolving anything!
Same with the refi attempt... and the foreclosure defense.
So, given all that ineptitude... and with the sword of Damocles hanging over the house... I think I did the exactly right thing by selling the motherfucker to a flipper, and getting out on my terms and my timeline!
I did the best that an exectutor could do, in that situation!
Snoop struck out on his own right after the process server showed up, like he just wanted to avoid the whole drama.
I got Yvette to safety.
Prowly opted to stay and take his chances... and seems to have either tricked, or charmed the flippers into leaving his cat door alone!
I got all the invaluable shit into storage, along with the blinds, lights, rugs, cameras, etc.
And the legacy furniture I couldn't save, does seem to have found it's own way into other homes!
What more can an executor do?
The whole thing's been reset now!.. Dad & Mom are off the deed, and their debts are settled!
It's now just a neutral, empty house, being renovated, but off the market!
And in October, it'll be a totally clean slate!
Yvette's still waiting for me to come back and drive her home.
Prowly's still there, waiting for me to come back with Yvette.
Snoop is not far away!
And Natalie will probably be left alone.
So if I can parlay that BMO fuck up, into a new mortgage somehow... I could get the band back together!
And if I did, that would just be the sweetest fuck-you to BMO, and all the other morons responsible for this fiasco!
In other news, I finally ordered a new pair of sketchers, and new orthodics on Amazon today, that will arrive on Friday.
The current pairs of both were purchased in March of 2023, right after I went full time at Cloud... and right before I got the trees cut down in the back yard.
16 months, they lasted.
But they're shot to hell now.
Between the high school, the downtown pavement, and the floor of this flat, my feet never get a break from concrete anymore, so I need the foot protection more than ever.
Let's hope and pray that in a few more months I'll have wood floors, and a lawn to walk on again when I'm not at work.
I'm gonna end this entry by noting that I am only beginning to process all the bullshit that's happened because of that fucking balloon/foreclosure.
And this will have me swinging wildly between heartbroken despair, and wild optimism... with all kinds of flashbacks in between.
And I'm learning that the flashbacks are not just memories.
My psychological state is also flashing back to that panic/emergency mode I was in for so long... including physiological flashbacks to elevated heart rates, and so forth.
I still cry at least every other day.
So yes, I am a mess right now!
But now that Terry's let it slip that Yvette's waiting for me to come back... and given that Prowly's still back there!...
I do feel like it's my DUTY to do everything I can to get that house back, and get them both back in there with me, before another winter sets in.
I have responsibilities to both of them... and they are still counting on me.
Therefore... if it's within my power... I have to get us all back to where we were!
And as I often said to Dad, in his old age, If it's within my power, you will die at home in your room!
And that was within my power, as it turned out... and I did follow through!
But he did have to endure an exile, and we did have to fight pretty hard to get him back in that door!
After he died, I promised Yvette she'd have me for the rest of her life.
And the last time I saw Prowly... two days before the closing... I pet him as he ate on the table and told him not to worry, because I'd be back... after the loud men were done banging up the house for a while, inside and out.
So... I mean... when you find yourself making promises to old men, dogs, and cats, about being there for them.... you can't welch on those kinds of promises!
They're like blood oath vows!... ya gotta keep em or die trying!
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