Posts tagged ‘Charleston Village’
My phone rang this morning from US Bank NA https://www.usbank.com/ They have written twice to Charleston Village Society thinking we were a Home Owners Association.
According to the Lorain County Auditor’s Site this property transferred to them under Sheriff’s Deed January 5th 2015
Transfer History – 2015000025
Sale Date Sale Amount Conveyance/Exempt Number of Parcels
1/5/2015 $22,000 2015000025 1
Parcel Grantor Grantee
0202028107009 HAGWOOD HERBERT M JR & HALSTEAD HOLLY M US BANK NATIONAL ASSOCIATION
The other property mentioned as being under Vision Property Management AKA Kaja Holdings II ( of the many roman numerals association with Kaja ) and
RVFM II SERIES LLC ( most worrying all these roman numeral LLCs)-
This property was also a Sheriff’s Deed and according to the Auditors site was purchased back for $40,000 – and in my humble opinion was another bank dump for $4,355 WITHOUT POINT OF SALE – The obligatory hand-written sign RENT TO BUY went up AND YES THERE ARE PEOPLE NOW LIVING THERE !
Sale Date Sale Amount Conveyance/Exempt Number of Parcels
11/17/2014 $4,355 2014005153 1
Parcel Grantor Grantee
0201006108004 US BANK NA TRUSTEE RVFM 11 SERIES LLC
This property was coming up before Lorain’s Housing Court for No Certificate of Inspection ( aka POS) – outcome ?????????
When the US BANK NA phoned this morning – September 24th- I stated the property at 1721 W 12th was NOT in Charleston Village Society’s area and said:
“Are you selling this property on?”
I really can’t say I am just clearing any paperwork with the property
Oh well before you do “sell on” or transfer to a Property Management company for a percentage of the properties worth you should be aware there is a Certificate of Inspection requirement in Lorain- since January 1st 2014- Your bank neglected to follow through on that aspect for your property at 329 Hamilton . You might want to red flag your properties in Lorain as needing a Certificate of Inspection.
USB- Oh I will make a note of it
Granted it was a random search but what are the odds the majority of those properties are similar Sheriffs Deeds? Even the $100,000 5098 AVON BELDEN RD NORTH RIDGEVILLE OH 44039.
Elyria, you might want to check there are a plethora in your community – Hopefully they won’t be dumped – I can tell you from years of experience those type of sales do not “help ” the worth of housing stock in the neighborhood…..
The banks have been bailed out once for poor business practices “Banking and Sub Prime 2008- . I, for one, do not want to keep suffering for their poor mortgage decisions . Hopefully US Bank NA gets the message that they have to follow the laws of Lorain! Any Bets????
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.
So poor old Don was found ripped from his roof damaged but not broken ! Now I wonder why poor old Don was targeted for victimization and who could have been irate with regard to his postings??? The clues are piling up- he has after all only been a guest blogger once
and the subject of a post once
Certainly your average Neanderthal doesn’t have it in for “donspouts” as their modus operandi. Will a complaint to the Building Dept. follow ???
The case of the Curious Neanderthal…….. to be continued – hopefully not … but watch this space.
I had noticed the other day that from my mum’s upstairs window you could reach out your hand and pick an apple , the kitchen window has tomatoes within arms reach and the front window living room window was the same reach out and pick. I had my husband take photos for the blog so I could segue from Chris’ Birthday post
with something not so dour until I posted the next post on the housing of Lorain and her court.
I like my 90 year old leaded glass windows , although they are a bugger to fix if they ever get broken , which has happened twice and it was a pain finding anyone with the knowledge to fix them.
However, this morning this household woke to glass and shattered windows. Funny thing was when the Insurance asked for a recent picture of the front window before the act of destruction by a disturbed mind I had a very recent photo
to go along with what happens when a Neanderthal brain, trapped in their lower than shit on the shoe lifestyle – creeps up to the front of your home and with the reasoning of a sub-human throws a huge chunk of concrete at leaded glass windows . Such a clever “come back’ / and or retaliatory stance- but we are dealing with the underbelly thinking of some of Lorain’s citizens.
The police duly arrived-
did we not hear or see anything
– well I had taken a sleeping pill( two actually). It has been an emotionally wrecked week due to what would have been my son’s birthday and mine and an anniversary- all things that used to be celebrated. Not much sleep in this household this past week so we are pretty much exhausted.
was barking and my husband thought Shadow was barking at the groundhogs that come for the fallen apples. We didn’t listen to the dogs. We have cameras out the back , because that is where a lot of “happenings” take place – looks like more for the front now.
So the next question :
Did I have any idea who did it and why?
WELLLLLLL , I can think of a lot of people who don’t like me , who are aggrieved and angry at some of my blog posts but who reacts with vengeance and vindictiveness?
BUT I had to be fair I have quite a list of suspects :
I have written about on some despicable and selfish people, ( in my opinion)
Out of town landlords, LLC’s
The Catholic Church https://thatwoman.wordpress.com/2010/07/01/ignorestance-and-the-roman-catholic-church-part-6/
even a drug dealer or two
and some council members/ politicians
Lorain City School and Board shenanigans
( At least one “gentleman”- used with sarcasm – threatened my welfare if I came within 10 ft of him- he was flaming angry – I am told ;)
Mayors and politics too many to list . over the past 10 years.
Registered Sex Offenders ….
City Departments especially Building Dept
https://thatwoman.wordpress.com/2015/08/05/outdoor-showrooms-lorain-by-don-the-downspout/ ( hmm back to that original retribution)
Oh the list goes on……
As my husband told the two policemen
“ you would do better making a list of those that wouldn’t do it”
It is true I have been quite prolific in my writings but looking over the 60 odd categories and over 1,500 posts on this blog alone not counting WoM and other writings. A lot of these people I have written about have left , died, are in jail and moved on. They are more likely to hit me with lawyers than concrete . And I am sure they would have if I didn’t back everything I write with links and or documentation upon which I base my opinions.
So the question remains: Who has threatened retribution, who has been stirred up in the past few days, who borders on Neanderthal thinking. I simply can’t believe the Roman Catholic Church would condone “concrete vengeance”, or city council members , the media nah! they throw words not concrete.
If it is this “ape” of civilized behaviours way of frightening me – Well good luck with that – The very worst thing that can happen in one’s life and my life is watching my wonderful talented son die by increments for 6 weeks – hour upon hour day upon day- nothing is as terrible as that – I have faced that fear and been engulfed by it .
Throwing a tantrum at a window doesn’t scare me , nothing does not even my own death. So sorry if I haven’t given you the reaction you wanted but the house is now marked and monitored to protect the panes of the innocent ;) .
2002- You had just completed the 1st year of foundation courses at Cleveland Institute of Art. That Summer- a time of excitement in this family – getting ready for Nikki’s Christmas wedding. Once again I volunteered you for one of my community projects – your words still ring in my memory.
-” Mum if I was a mechanic would you volunteer me- Yes, I replied if you were a good mechanic”
MainstreetLorain( Now Lorain Growth Corp) had purchased a shed- it was going to sit on the ‘ mile long pier” welcoming the boaters, tourists and fisher folk, to be filled with welcoming information of what to do and where to do it in Lorain. John Houser, the MainstreetLorain Director, wanted a mural on both sides of he shed so it could be seen coming and going and a “free hand cursive “Welcome” .
Oh how you grumbled and I believe swore more than once at me – the surface was rough, hard to paint, there were grooves galore the heat didn’t help , the conditions lacking .
Mum this isn’t easy to paint this thing- why don’t you just stain it and put up a sign , I am sure there are plenty of photos of the lighthouse”
and so it went our back and forth.
The “Lighthouse Shed” eventually moved from the mile long pier to Black River Landing – It had weathered and a window added
The shed sat there season after season , becoming even more weathered and worn
but you weren’t interested when I would send them to you –
” Not my best work mum!- I don’t know why I let you talk me into doing these things for you”
The shed faded from memory, especially when we received the dreaded “cancer” news.
It was just a few weeks after your death- I didn’t go anywhere , withdrew from the world, the grief too much to deal with , let alone meet up with “people”. However , I was expressly asked by a dear friend to attend a meeting at the Port Authority. I sat in back of the meeting looking everywhere but at those faces- so full of compassion for me- I dare not meet their eyes….. and there my gaze fell, as I looked out the window, on that damned shed – still there! The snow circled danced with her partner, the all prevailing wind,blurring the little painted lighthouse, and yet bringing those summer days to the fore.
– how is it possible ?I thought – the shed still there facing the elements but you – you were gone. Why???
I fled the meeting in tears , hopefully without causing alarm to others knowing I would not find any answer.
I stayed away – from festivals- from life and the shed went back into memory. Then, once more I had to attend an event at the “landings”. The poor old shed looked worn and dull but Gavin and Braedyn were impressed when they saw the lighthouse was painted by Uncle Chris. And so another opportunity for you to become tangible in their little lives, to share another story of Chris told to little bright faces. .
Two years later a phone call-
Would Charleston Village Society like the donation of the “Lighthouse Shed ” for Settler’s Watch- great for keeping stuff in it?
I said yes, knowing I couldn’t bear to think of it ending up on a dump somewhere . And so the shed arrived to be placed behind the grapevines- my romantic notion – from a distance and if you squint your eyes this old weather-beaten shed looked eerily like an old settler’s cabin.
The shed certainly doesn’t look out-of-place. BUT the murals , well the rocks and lake were gone on the one side, the seagulls had lost their wings and the lighthouse itself faded into a mere shadow of itself all details gone -just an outline of what was once. –.
I knew I could call upon artists I know to redo the murals but I just couldn’t do that- I couldn’t bear your work and those memories to be painted over by anyone else. I had to do it but as my old art teacher informed me time and time again in school –
“Loraine you couldn’t even draw unemployment”
I decided I would “paint” not by numbers but by colours – fill in the lines, do what I could with your work to guide me . How bloody hard was that?
Tears streaming down my cheeks, blotting out the picture before me, trying to hold back the sobs that wanted to escape the confines of my heart. The wood had become even rougher in those 13 years of seasons, I would apply the paint only to have only half of each stroke adhere. I cursed the surface wondering if you were laughing at getting your own back. It took many mornings – it wasn’t the heat or the job itself which took so long it was the dealing with the raw emotions that attacked me as I worked. I could only stand up to that emotional maelstrom for so long.
Then came the bigger problem- the lake and rocks which had disappeared totally from the one side. How the hell was I going to paint rocks, waves , spray and the changing colours of the lake? I am not an artist, as I said . I went to the internet, pulled up “how to paint rocks and water”. I took a deep breath and began terrified I would mess the whole thing up. It doesn’t look too bad although I am sure you would be shaking your head at my endeavours .
The shed had turned for the most part a deep grey, rather than trying to power wash and bring it back we have decided to stain. And so two little boys were drafted to help stain “Uncle Chris’ Lighthouse Shed”
It became a “family affair” with your dad staining the “higher up” sections.
We ran out of paint- the old wood soaked up the stain- more was going to have to be applied, another day-
A trip over to Nog’s, where Nana had some chocolates and a chance to feed your fish. We love you Chris – not forgotten as life continues to weather us.
Still stuck in 1991 –
I didn’t know whether to laugh out loud or cry when I read what I had said in 1991 . I loved living in an “urban setting” where the homes in the neighborhood were not the typical slab homes or the new cookie cutter neighborhoods of the USA.
Maybe because I had lived in a London suburb where I would daily walk to the tube station , shop on the local high street, attend functions within the community- all without that car. I was used to that way of living . How bloody naïve was I to think I was going to find that continuing in Lorain on Broadway.
BUT we, the Charleston Village idiots ( as we had been called on more that one occasion) thought we could help bring back that feeling of Broadway that had been lost .
I was told Broadway in Lorain was at one time reminiscent of the “High Streets” from whence I came.
In 1991 I could do quite a few of those errands- I can no longer do most of them – can’t go to the drug store, shopping????? Luckily I can still go to the Palace- although I have to say the last time I went, Saturday the 20th, upon exiting, we were met by a drunk slumped in a doorway- such a friendly welcoming ambiance.
By 1990 we were “INVOLVED WITH BROADWAY” The City Of Lorain recognized a healthy safe neighborhood brought foot traffic downtown- They held yet another meeting , to which the Village Idiots were invited
We went and the upshot of those meetings as featured in our May 1990 Newsletter
“Community should have a clear vision of what it wants to become”
I am not sure our “current downtown buildings” fit the vision we had.
But we tried, we got on the bandwagon – after all a bad downtown reflects negatively on the neighborhood and vice versa.
“We’re also excited over the Charleston Village’s grass roots organization which is banding homeowners together to improve the community-
Yes, even the Morning Journal got involved and would feature a home in Charleston Village every week in its real-estate section:
Oh we tried – Charleston Village reached out and we opened our homes for a the Ohio Preservation Statewide Preservation Conference ( a progressive dinner in each home). They came they saw and they were impressed.
I doubt they would have the same thoughts now a quarter of a century later. That lovely Renaissance Inn mentioned in their articles – look at it now
I could go on.
Downtown Lorain Growth Association – became Mainstreet Lorain 1995/6 ( not then affiliated with the Main Street Program- that came later). Charleston Village was one of the founding members of that new organization and had a seat on its board. Later Mainstreet Lorain did become a MAIN STEET Organization the first in Northern Ohio ( 2000)
Yours truly, ( when times got tough and we didn’t have enough in the kitty to pay for a Director) was the “volunteer” Director for 7 months of Mainstreet Lorain until we saved enough with memberships and grants to pay for another Director. It was during that time (2002) Mainstreet Lorain did not have its contract renewed with the Main Street program. We eventually changed the name to Lorain Growth Corporation http://www.loraingrowth.com/
which is still part of the downtown today.
Oh we cleaned Broadway with the Lorain Litter Council, started the Lorain Arts Council, promoted its events, decorated windows of terrible eyesores of buildings, actually charged people to join us in searching for the Black Pearl as we searched along Broadway and each merchant’s premises , had car shows on Thursday nights- ending up at Scorchers. We worked with the Port and the usage of the land given ( now known as Black River Landing), yes and so much more !
Yes! we have been around the Broadway block for decades and watched the “vision” go “dark”
“60 percent of downtown Lorain empty; hopes of rezoning as entertainment district to breathe new life”
‘It looks like a ghost town’
I admit not having given completely up on Broadway , as a blogger, I have had my say of late.
That particular post brought me into combative mode with a member of the Downtown Review Board – remember the one that was put in place to promote preservation in 1987 OH! yes we were there too.
Yes, Cathy Dye – a whole series on my blog where she was the subject matter – the mother of the owner of 418 Broadway which has its problems
It is my opinion( based upon her emails etc. ) that Mrs. Dye tried to use coercion and intimidation of City of Lorain officials in order to get what she wanted re her son’s building via her position of the Design Review Board , took vindictive action using the Design Review Board moniker and the Lorain Building Dept. It is also my opinion her son’s building, which has been well documented as to its problems, IS one of the problem buildings on Broadway.
A Morning Journal article recently had some quotes as to what was needed on Broadway :
ERRRRRRRRR where have I heard this before –
Lorain also has a neighborhood of single-family houses immediately west of downtown, so incentives and training could help residents living just a few blocks from Broadway.
• Enforce property and zoning codes.
When run-down properties hurt the values of nearby properties, cities have to force property owners to act, Siegler said.
OH yes! I remember same thing they said in the LAST CENTURY and to add insult to injury Cathy Dye is quoted :
Dye said Lorain should require Broadway building owners to keep the historic and picturesque facades, but give them more freedom to modify the interiors and rear sections of buildings to create usable spaces
ED NOTE– sorry but patience has worn thin – a quarter of century of the same rhetoric becomes numbing!!!
Lorain and other cities need a shared vision and a process of gradual action to implement that, Brachman said. She called the approach “strategic incrementalism.”
Revitalization “isn’t going to happen overnight,” she said. “It’s an incremental process.”
OVERNIGHT??????? we have been waiting and working on this for decades! Same old clap trap and so much yada yada yada and regurgitated ideas. And the newspaper decided to go to the “problem people” for the solutions …..now that at least was a was a novel approach………………
So Charleston Village how did we do when it comes down to revitalizing Broadway ?
a resounding FAIL!!!!