Posts filed under ‘Ripped Off?’
September 14th the Lorain City Council Public Meeting on Point of Sale.
as mentioned in the Morning Journal Newspaper. ( http://www.morningjournal.com)
Council Chambers held more than the usual few – Invited participants included members of Lorain County Government and Magistrate Cook , in whose courtroom I had found myself ( trying to hear) on August 12th and September 9th. I won’t go into detail you can find coverage here
COUNTY GOVERNMENT HAS TO BE INVOLVED TO HELP IN THE POINT OF SALE ON THE FRONT END THROUGH PROPERTY TRANSFER- –
AND JUDICIAL HAS TO BE JUDICIOUS ON THE BACK END. THESE ISSUES ARE NOT JUST LORAIN ISSUES!!! These out-of-state / county holding companies are not choosy where they feed.
When I attended the Housing Court on Sept 9th I met a family – The Shaffers- whom, to my mind, have become the faces of unscrupulous out of state Holding and Property LLC Companies .
The Shaffers, are in sort of a legal limbo when it came to having their say in Housing Court- Before the bench those days were the LLC Kaja Holdings 2 in all their Vision Properties glory who were the “defendants” along with their attorney Jaing, Lei- ( Lei Jaing) who got to plead their case –
Unfortunately the Shaffers , although they believed themselves to be the owners 4132 Fulton ( since they were the purchasers of the home – under the Lease to Own agreement) – had no say in the courtroom and therefore were dismissed from the courtroom by Magistrate Cook, in all likelihood as they were not on the paperwork given by the city. They were considered tenants.
The Shaffers , thanks to City Council Committee on the Enforcement of Point of Sale and Councilman Dan Given, did get their say! The media also have given them coverage
The Shaffers produced a receipt given to them ( see Chronicle article ) showing they had paid $350.00 to Vision Properties ( aka Kaja Holdings) for what they were led to believe was for a City of Lorain inspection for POS/ plumbing/ electrical. NOTE: the actual inspection by the City of Lorain is $100.00 and the city did not inspect this home.
Two things come to my mind-
Had the Shaffers ( who had brought the documentation to court been allowed to speak- Kaja Holdings/ Vision Properties may have had to answer some very interesting questions from the Magistrate if not the city prosecutor/ Building and Housing Dept.
ONE: For instance in all of the properties purchased by Kaja Holdings, RVFM , Vision Property Management
etc. after Lorain’s Point of Sale
How many times, since a number of them have been cited for non compliance Certificate of Inspection (POS), took money for such a supposed inspection from the people ( Leasing to Own)? Obviously they did it once and made money – were there others so duped?
And number TWO-
To this layperson’s thinking does this not constitute fraud? Using an ordinance to take money from people, not following that ordinance, and charging three times as much for the compliance of the ordinance that never was- and if the City of Lorain’s inspectors weren’t the person with the clipboard who was? How many times has this – in my opinion -fraud happened . Is not the City of Lorain an injured party in all this? Will we prosecute?
The Shaffers, are still in a mess but hopefully now someone has listened they will be helped and the City of Lorain has garnered some interesting information.
Unfortunately, a quick drive around my neighborhood shows another Property Company from Columbia South Carolina and Fannie Mae up to their old habits . 917 9th Street– There are the rent to own signs everywhere on this house –
Now you know if my discharging “donspout” was cited in February and given 6 days to be fixed
then this house on 9th NEVER could have passed a point of sale inspection !
The house sold and transferred July 27th 2015– Another “sale by Fannie Mae ” ( Federal National Mortgage ) before POS- BUT HARBOUR PORTFOLIO VII LP ( NOTE the NUMBER VII)sold it on for 1,500 dollars – probably after renting it out for a couple of years
I wonder if Clotilde Ann Eaker – SOUTH KOREA knew about Point of Sale ??
This Harbour Portfolio VII is also tied up with
NATIONAL ASSET ADVISORS, LLC
Address: 4350 ST ANDREWS RD, COLUMBIA, SC 29210
And it is their signs all over the 9th street property
They too have a couple of homes in Lorain on their site
OH and Vision Property Management they have added a couple since the last time I checked
Interesting : 1144 Washington ( AKA Kaja Properties) has been in Housing court with numerous violations –
614 W 21st Street–
Address: WELLS FARGO BANK NA TRUSTEE
1665 PALM BEACH LAKES BLVD WEST PALM BEACH, FL 33401
Tax Bill Mailed to: DEUTSCHE BANK
1665 PALM BEACH LAKES BL WEST PALM BEACH, FL 33401
Then there is
1837 E 36th Street
Address: CHRISTIANA TRUST
1665 PALM BEACH LAKE BLVD WEST PALM BEACH, FL 33401
Tax Bill Mailed to: DEUTSCHE BANK
1665 PALM BEACH LAKES BL WEST PALM BEACH, FL 33401
Notice anything the addresses are all the same ( Deutsche Bank) –
they have been known to transfer to Kaja , Vision, and whomever. in this sordid property tale.
Our new group of LLCs. LP Numbers ONE through apparent infinity is “Harbour Portfolio “ and their source of supply Fannie Mae aka Federal National Mortgage
This is not new to North East Ohio and Harbour Portfolio V11 of them was with their source Fannie Mae ( Federal National Mortgage ) the FEDERALLY backed mortgage company
There were 27 listed – Lorain- Elyria some after Lorain’s Point of Sale and every single one of the came from Federal National Mortgage – dumped on US( in my humble opinion).
We are not alone in this bank dump behaviours- Fannie has been “fannying” around with property and old neighborhoods in Cleveland as well
Predatory Carpet Baggers
the focus of an article in 2012 Cleveland
Fannie Mae, the government sanctioned lender of last resort, panders to predatory flippers by dumping zombie properties for chump change, writes Christopher Evans
What sets 3868 apart is the prior owner: Fannie Mae, that government-sanctioned lender of last resort, is back in the business of selling foreclosed zombie properties to predatory carpetbaggers.
Harbour Portfolio bought the property for $4,304 last February from Fannie Mae, according to the Auditor’s Office.
Fannie Mae did not disclose that the property had been condemned, Brancatelli says. Not that Harbour Portfolio would care, he adds. “They’ll find some buyer who’ll put lipstick on the pig and rent it out.”
The condemnation notice? “They’ll buy a key at Home Depot that’ll turn the water back on,” Brancatelli says.
………It also notes that Building and Housing has prepared 22 criminal charges against Fannie Mae for not obtaining certificates of disclosure on properties before they were transferred. An additional 38 charges are in the works, the email adds.
Not much changed then.
Where are the Feds when you need them? Oh that is right they back Fannie Mae.
In my previous posts I have been talking about Lorain’s history , especially the homes and occupants forgotten and sent to the landfill, it is a subject I will continue next week. However, whilst writing the posts on Peggy and seeing her “home’s possessions” piled up each Monday night for trash pick up Tuesday morning I am reminded this will happen to each and everyone of us sooner or later.
We are only “alive in memory” as long as someone cares to remember . Our precious artifacts of our lives are usually only ( unless they are worth money of course) as important to others who share those memories.
This was brought home to me when I had to clear out and move my mother into this house. My mum thought she would live out her days in the apartment, belonging to my brother-in-law, for the rest of her days. Because he is , in my opinion, an ingrate – that did not happen.
The first day of that “moving out process” I had mum with us to sort through what was important to her . We had to fit 6 rooms into 2. I realized after the first day this was not going to work, the things she had gathered around her in the 27 years she lived there ” were ALL important”, there were the gifts and memories of her life , some of which she had had through three moves across two continents and had kept safe during the blitz . As the morning wore on, I realized this sorting through her life and what to throw away was much too stressful for her then 92 years.
I had to sort out her things alone and make the decisions for her . But even then, although I knew most of the story behind most of the objects, some that were very important to her still ended up on the tree lawn. To this day she will say:
what did you do with such and such- your Aunt Maudie gave me that?
And I thought I KNEW what would be of greatest importance . It breaks my heart that she had to see her life as trash bags on the tree lawn. And I will never forget her pain or forgive the cretin who caused such angst and sorrow.
My daughter has requested we take pictures of all the walls and things in this house we have accumulated and let her know where we want anything to go, or the story behind each possession. But inevitably, we too, will end up on the back of the garbage truck.
My son’s possession were also given away and dumped by the then”in laws” soon after his death .
They are now someone else’s in laws and for that family they have my sincere condolences-
time will tell …….
Much to the amazement of Chris’s family, who did love and cherish him , Lombardis and co dumped him as quickly as they could apparently . After all, he seemingly wasn’t very important in their lives- he was but a nuisance, a bump in the yellow brick road , a bullet of illness to be dodged with a sigh of relief – but they kept the money and took his ashes and any closure from his grieving family!
Ahhh there it is…. money , profit and control. It is that caliber of thinking which is also reflects the historical homes of Lorain- unless there is money, grants and profit “kicked to the curb and on the back of the truck to the landfill”. The stories of “lives ” lost probably to be pondered over in some far off century as archeologists dig in the garbage dump of Lorain and wonder “what is the story behind this object ” ………..
The Restoration of Ancient Inscriptions
Oliver Goldsmith (1730-1774), The Citizen of the World, Letter V:
Naples.—”We have lately dug up here a curious Etruscan monument, broken in two in the raising. The characters are scarce visible; but Nugosi, the learned antiquary, supposes it to have been erected in honor of Picus, a Latin king, as one of the lines may be plainly distinguished to begin with a P. It is hoped this discovery will produce something valuable, as the literati of our twelve academies are deeply engaged in the disquisition.”
After a great deal of talking, the Veteran’s organizations under the umbrella of a Lorain Veterans Council entered into a contract with the City of Lorain for a further $346,500.00 to renovate Washington Ave Park/Lorain Memorial Park.
Interestingly enough even the contract language can’t seem to make up its mind as to the “name” of the park – front page of the contract-
Washington Park– Under the “money agreement” it is –Lorain Memorial Park– and farther down in the language- Veterans Memorial Park. Maybe the funding was for three different parks ( sarcasm abounds)
The PDF file of the 1983 contract is to be found here :
It also seems questions were once again being asked at city council meetings on May 21st- 1984
(PDF File Here)
Now we jump forward back in time to the Plain Dealer article of 1990 ( full article found here )Veterans park
Apparently the Park ( whatever its name)
was “finished” in 1987 and then “died by 1990” according to Jack LaVirha.
We were also dealing with the “skateboarders” back 23 years ago vandalizing the park not much has changed apparently. . The newly installed benches found Jack complaining as to their condition just THREE YEARS after the “finish”.
“Veterans raised money to install benches and dedicated to the memory of a deceased person
Those benches are still there today .
Could it be after spending a total of $463,526.00 from 1983 through 1987, changing the whole look and feel of the little public square,
the organizations, under the umbrella of the Lorain Veterans Council , threw up their hands and walked away after they declared it dead!
Did the Veterans Council of the day( and also of today ) relieve themselves of all responsibility to that little historic park after they “renovated it? ? Was it and is back to the tax payers to revive her once again?
:”LaVirha complains about the park, but Bailey said it was the veterans who hired and worked with the architects [ Ron Cocco of Clark and Post]to “design the park and settled on the concrete foundation and amphitheater.
ED NOTE: It is apparent to me that number 7 in the contractual requirements
No 7: Establish a design that can be easily and economically maintained by the City of Lorain
and number 8
No 8 Utilize products and materials that are durable , easily maintained and resistant to vandalism
weren’t strictly adhered to-
WHO TURNED NEARLY $500,000 DOLLARS INTO A BOONDOGGLE, BAD NEWS AND DEAD PARK?
The question begs to be asked, of the powers that be back in the 80’s- why did we lose the integrity and ambiance of ‘public square- into what it has become today?
Was it lack of oversight by administrations – councils- giving an organization free reign without follow through accountability- poor architectural design, which in the opinion of many changed the this little park into a concrete clump! We are seemingly stuck with the decisions of those involved back in the 1980’s- the 1980’s known as the “Decade that Made Us “ certainly left its mark on us!
This little park who is now supposedly born out of the “Sufferers” need for settlement after the War of Independence – See Part Two:
The western end of the reserve included the 500,000 acres (2,000 km2) Firelands or “Sufferers Lands,” reserved for residents of several New England towns destroyed by British-set fires during the Revolutionary War
and whose signage states “for those that have served our nation” and whose monument also states
” In grateful tribute to the Lorain men and women who served their county in ALL WARS”
has been a silent witness to the wars of this nation:
War of Independence 1775-1783 25,000
Northwest Indian War 1785-1795 1,221
Quasi-War 1798-1800 20
1812 Public Square became a “deeded park”
Barbary Wars 1801-1815 35
War of 1812 1812-1815 20,000
1st Seminole War 1817-1818 30
2nd Seminole War 1835-1842 1,500
Mexican-American War 1846-1848 13,283
3rd Seminole War 1855-1858 26
Civil War 1861-1865 623,026
Indian Wars 1865-1898 919
Spanish-American War 1898 2,446
Philippine War 1898-1902 4,196
Boxer Rebellion 1900-1901 37
Mexican Revolution 1914-1919 35
Haiti Occupation 1915-1934 146
World War 1 1917-1918 116,708
World War 2 1941-1945 407,316
Korean War 1950-1953 36,914
Vietnam War 1964-1973 58,169
El Salvador 1980-1992 20
Beirut 1982-1984 266
Persian Gulf (Support) 1987-1988 39
Invasion of Grenada 1983 19
Invasion of Panama 1989 40
Persian Gulf War 1991 269
Somalia 1992-1993 43
Bosnia 1995 12
Afghanistan 2002-2011 2,229
Iraq 2003- 4,488
Oh what IF forethought had been utilized in 1983 and the trouble saved in hindsight.
The little park limped along until another Mayor- Craig Foltin , Jack LaVirha ( who was still in favour of spending yet more money and walking away) , The Lorain Veterans Council, another architect Warren Finkel ( designer of Lorain City Hall ), Jon Veard, and Morning Journal editor John Cole rallied round and decided in 2006 to “bury” this little park once and for all- that is until “an Englishwoman cometh” 😉
Thank you once again to Nancy Greer and the City of Lorain Mayors office for the documentation and of course to Dan Brady for the newspaper archives
To be continued……………..
QUESTION – THAT WOMAN
If I have done some work (for example) rewiring – is it up to me as the property owner to request an inspection?
The property owner MUST REQUEST AN INSPECTION.
QuESTION- THAT WOMAN
If so,( REFERRING TO PREVIOUS QUESTION) is the responsibility put on the property owner to contact the Building Dept. Is there any follow up on the building permits pulled as to the condition/ quality of work being done and in a timely manner?
Yes. At the bottom of the permit, several different job types are listed. When work is completed on these jobs,
“THE OWNERS ARE TO CALL the Building Department” for review. However, the Building Department may not know when work is completed until the owner calls.
QUESTION – THAT WOMAN
Can the property owner still refuse entry to the property for inspection even with a building permit ? Does that limit the inspections from the sidewalk only unless the house is open and unsecured?
Property owners can refuse entry by our inspectors.
Inspectors are free to do inspections from the sidewalk as well as inspections from the view of a neighboring property, provided the neighbor grants permission to go onto their property to view concerns. If the house is unsecured, the inspector can obtain search warrants in order to enter the property.
PDF FILE – EXTERIOR INSPECTION LIST FOUND HERE :
Exterior Inspection Checklist
FOLLOW UP QUESTION – THAT WOMAN
Just to be clear – are you saying if the work is done on the inside of the property by the property owner unless they agree to let the inspectors in to inspect the work you cannot inspect the work done?
I have attached “Entry to other structures” for your review. This document outlines the laws restricting access to private property by an inspector. But, to answer your question, the owner has to allow the inspector into his home.
The PDF file ‘ENTRY TO OTHER STRUCTURES ‘ FOUND HERE
Entry to other structures
FOLLOW UP -QUESTION – THAT WOMAN
In essence would I be correct in saying that “we in Lorain are going upon TRUST the property owner will call to have an inspection and if they don’t is there any recourse????
In talking with Mr. Klinar, over 3800 permits were pulled this past year. With the number of employees we have, we cannot check up on all projects to see how much progress is being done.
Plus, being invited in to review the work also complicates items. Therefore, with the limited number of employees, we wait until the homeowner requests an inspection. As for recourse, unless we inspect it, the City cannot do much.
Note TW …Handcuffed AND STUFFED comes to mind …….
To Be Continued
This morning, finds the letters I wrote to Mr. Glenn Britt CEO of Time Warner Cable and to the FCC on the Chronicle Telegram Website in an article on “OUR” TIME WARNER CABLE “ISSUES” BY LINE Evan Goddenow
Reynolds on Tuesday said he was unaware of any recent widespread area problems.
“That would lead me to believe that this is kind of a couple of instances at various houses,”
And to that I say Mr. Reynolds in the terms of this ‘Brit” Absolute Rubbish – pure and unadulterated twaddle, waffle and poppycock-”
You , Mr. Reynolds of Time Warner of the Akron??? office obviously aren’t reading or listening or having any follow through ( once again may I add) with your customers! I expect more- Mr. Reynolds- after all you are in the “communications industry!
Let me remind you this is the same spiel you gave me and others in June 2011
During the course of the two weeks ( this happened twice I finally got to speak to a supervisor who said
“this is the first I am hearing of this problem”
EXCUSE ME!!! I have been tenacious to the point of annoying I have emailed, phoned written and chatted and apparently it is not getting back to the people in the organization who are actually concerned with fixing the problem. If this is the first they are hearing of this locally it isn’t because I didn’t try!
Here are the letters:To Glenn Britt CEO Time Warner and the FCC
Time Warner Cable
60 Columbus Circle
New York, New York 10023 December 17th, 2012
FOR THE PERSONAL ATTENTION OF MR. GLENN BRITT
Dear Mr. Britt,
Re: Time Warner Cable – Lorain, Ohio and surrounding area
As you may recall, I wrote to you and your corporate offices in June of 2011. I had an issue with your poor service and the lack of follow through on the freezing/pixelating issues faced by those residents in this area who had the “digital box”. I wrote a post on my “thatwoman” blog at that time https://thatwoman.wordpress.com/2011/06/12/time-warner-cable-tv-oh-it/ . The temporary fix whilst waiting for apparently the emergency maintenance of switches in the area, as told to me by your technicians, has apparently been unsuccessful. I would conclude 18 months of waiting is more than enough time to fix an emergency.
I have, for those 18 months put up with freezing and pixelating on most of the lower number channels, but your company is well aware of the problems so I will not regurgitate the complaints. I have enclosed my latest blog post.
You are losing customers ( see attached blog post), maybe this is of no concern but I for one am dismayed and angered that I am paying you faithfully since 1995 for a service that is only partially what I am supposed to be receiving. This is not acceptable, in my opinion; one of us is not living up to our contractual agreement – payment for services rendered.
I would hope, Time Warner Cable, will look closely at the issues in Lorain, Ohio and surrounding area and as a provider of a service , which is by no means inexpensive, address your technical problems and lack of customer service. I look forward to an early reply as to how you and Time Warner Cable are going to do to remedy this situation. I remain:
Loraine Ritchey – loyal customer and “that woman blog”
CC. Mayor C. Ritenauer- City of Lorain
P Riley- City of Lorain Law Director
J. Cordes – Lorain County Administrator
Federal Communications Commission -ENC
To The Federal Communications Commission
Attn. Complaints Cable Television Complaint
Federal Communications Commission
445 12th Street SW
Washington, DC 20554 December 17th2012
Dear Sir/ Madam,
RE: Complaints of longstanding Time Warner Cable Company- Lorain Ohio and vicinity
Please find enclosed my letter to CEO- Glenn Britt of Time Warner Cable Corporate Offices and a hard copy of my blog post on the subject.https://thatwoman.wordpress.com/2012/12/16/time-warner-pixelating-freezing-glen-britt-leaving-in-droves/. Please note there is the original post of June 2011 linked in the post enclosed with this letter. https://thatwoman.wordpress.com/2011/06/12/time-warner-cable-tv-oh-it/
Residents of the City of Lorain and surrounding areas have been putting up with partial (pixelating /freezing) service on their high definition boxes. We have been informed Time Warner Cable is fully aware of the problems but are ignoring the upgrades purposely. I would like to think this is not the case however, you can see by my personal experience I am still having the same difficulties with quality of service for nearly two years. I, unlike many, have decided to try and fix this issue and to hold Time Warner Cable accountable in upholding their end of our monthly agreement and contract to receive a quality service for a substantial fee.
I note on my bill ( see enclosures) the FCC also receives a monthly Regulatory Fee as part of my bill and also there is a matter of a Franchise Fee. Therefore; I would like your assistance to determine whether or not Time Warner Cable will be upgrading their service to this area, stopping the freezing and pixelating issues or stop charging for a service that is not satisfactory.
The City of Lorain and vicinity is not alone with these issues, I have searches on my blog every day from all over the United States with the same complaint. Obviously there is a huge problem that is effecting more than I and I would assume, they too, pay for the FCC Regulatory Fee on their bills. On behalf of all those frustrated and angry customers who are still with Time Warner Cable, I ask your assistance in rectifying this lack of service. I remain:
CC. Mayor Ritenauer- City of Lorain -J Cordes County Administrator- P Riley Law Director Lorain