Re: Worst Christmas

[Guest guest]

Kassandra,

I checked that out long time ago and it was futile. Thanks for the idea

though. Any other suggestions?

Kate

Re: Worst Christmas

> Kate, I'm so sorry to hear this news. And why do they

> do this kind of thing right before Christmas?! Please feel

> free to vent here and to share what you are going through, and

> maybe some group members will be able to give you some support,

> and even some great suggestions.

[Guest guest]

Kassandra,

I checked that out long time ago and it was futile. Thanks for the idea

though. Any other suggestions?

Kate

Re: Worst Christmas

> Kate, I'm so sorry to hear this news. And why do they

> do this kind of thing right before Christmas?! Please feel

> free to vent here and to share what you are going through, and

> maybe some group members will be able to give you some support,

> and even some great suggestions.

[Guest guest]

Kate,

Of course I don't know the whole story, I'm sure there's so much more to it,

but it looks to me like you've had nothing but stress from owning this house.

What motivates you to keep it? Is it an old family home? Sometimes things

are just not meant to be - but I know we never want to give up cause sometimes

the answers come at the last moment!! Nola and I both can attest to this

fact, as can others on this list.

I think what I would do is just offer it up to whoever you believe is your

Higher Power (God, Universe - however you see it) and let go, then believe that

the answers will come. This is hard for me to do - but sometimes its the only

way to restore any sense of peace in your life.

My motto for 2004 is " Simplify, simplify, simplify " Easier said than done -

but I have to or just quite simply go crazy...lol. I, myself, can't imagine

hanging on to a house that has caused me this much stress - so thats why I'm

thinking there's more to it than " just a house " . And you're going around in

circles trying to get the problems fixed. Just remember that your Higher Power

has everything under control (even in what looks like chaos) and He has

something better in store for you. But first you have to " let go " (I hate when

people tell me that....LOL) and accept that life is as it should be. Since I'm

not

real happy with my life right now - accepting that this is how it should be

is extra hard!! But I am trying to just live a moment at a time and finding

the joy in " that moment " . Its working!!! And it has given the energy and

" gumption " to move ahead and restore, recreate, reclaim my life. Maybe my life

is

supposed to be this way " this moment " but the next moment will be better, MUCH

better.

The times that seem the worst are the times when something is in the works

and working for our good. Its hard to see it - but we don't see the big picture

Kate. We're learning lessons and once we accept whats happening as a way for

us to learn the lesson, then we can move on. Sometimes we don't understand

the lesson, I think this is when we just have to accept what is happening as

being for our good - cause it seems I just stay confused trying to understand

all these lessons I'm supposed to be learning.

But I know you can't sit back and just do nothing. After the holidays, would

it be possible to show up on the doorstep of some of these agencies you speak

of. MAKE THEM hear you if keeping the house is what you feel is right. MAKE

THEM tell you why they're not helping and ask them what you need to do to get

their help. It's one thing to accept our life as it is - its quite another

thing to let someone else refuse to cooperate!!

I think I've just rambled on and on - probably because I don't know exactly

how to help you but my heart goes out to you. And I know the heaviness of a

burden such as this. Sometimes when I don't know what to do - I just STOP for a

while and do nothing. Answers sometimes come and sometimes they don't - but

I can regroup and gain energy to try once again.

Keep us posted. The thing that keeps me going is I know that one day I'll

look back on this time and smile and then realize that it was a time I HAD to go

through in order to enjoy the goodness of life.

Hugs,

In a message dated 12/25/03 2:46:53 PM Central Standard Time,

dandt@... writes:

> Thanks for allowing to vent. I don't know what to do. I have

> only had temp jobs since 1999. Most ended with me being laid

> off. Also, our pre Civil (it was built in 1850) house was severely

> damage a few years ago by heavy rains. We told the money s about

> that and asked them to help. They didn't. - No answer, or anything.

> You would think they would want us to repair the house to keep

> the value up. Insurance didn't cover water damage. Money S lender

> coverage was supposed to pay if our coverage didn't. I guess

> our other insurance coverage was cancelled without notifiying

> us. Well, now, they said ZC said there was never a claim. Even

> though, the mortgage company noted it in their files about it.

> (Each year, it gets worse. Also, everytime it rains here, we

> get 1-2 inches. For example from September - November, we got

> about 14 inches of rain. - most of leaks in.). We tried other

> places to refinance, but no luck because not adequate income

> - needed at least $4000 monthly. Also, we were told the prepayment

> fees would be very high. So, we tried to fix things up, but

> nothing worked. It was further damaged by ice dams, due to the

> heavy snowfall that winter. Every year, it has gotten worse.

> Finally one contractor this summer, told us he would be surprised

> if it lasted the winter. He thought the house would collapse.

> This summer, my unemployment ran out after being laid off again.

> So we couldn't pay anything. Then, the city wrote us to fix

> up the house. Someone suggested I ask about the claim from 2000.

> So I did. The mortgage company said it was noted in their files,

> but they said no claim was ever filed. Also, I was told that

> the mortgage company filed another claim on our behalf on November

> 24th. So they wanted me to call the ZC claims number, I have

> tried calling that number numerous (maybe 20 or more) times for

> the last month. I have left messages for the person (claim rep)

> to call me. Nothing at all. Then I email the claim rep and

> she wrote me saying I need to call that number to report the

> claim again. She also said she never received any messages from

> me. Then I get this foreclosure notice the day before Christmas.

> Originally, the house was worth $90,000, now I think the land

> is the only thing worth anything which is about $40,000-$50,000.

> Our mortgage is higher than the house value. We have mold problems

> upstairs. I think it is health hazard. Our daughter graduates

> in 2005. If we could do anything, we would tear down the house

> and put up a Cape Cod. We saw some at Design Homes and they were

> perfect. This is just a brief synopsis. So I don't know what

> to do.

> Kate

>

[Guest guest]

It is a family home. However, everything is so crazy now. Because of my

husband's abuse, we contacted an advocacy group as well.

My father in law is having surgery right now today to remove the colon

cancer, hopefully.

Thanks

Kate

Are You Finding Out How Good You Can Be?

Win $10,000 for a Magical Vacation!

To enter ... visit my personal website at www.marykay.com/dmcmahon123

from 9/16/03-12/15/03.

No purchase necessary

Re: Worst Christmas

Kate,

Of course I don't know the whole story, I'm sure there's so much more to

it,

but it looks to me like you've had nothing but stress from owning this

house.

What motivates you to keep it? Is it an old family home? Sometimes

things

are just not meant to be - but I know we never want to give up cause

sometimes

the answers come at the last moment!! Nola and I both can attest to this

fact, as can others on this list.

I think what I would do is just offer it up to whoever you believe is your

Higher Power (God, Universe - however you see it) and let go, then believe

that

the answers will come. This is hard for me to do - but sometimes its the

only

way to restore any sense of peace in your life.

My motto for 2004 is " Simplify, simplify, simplify " Easier said than

done -

but I have to or just quite simply go crazy...lol. I, myself, can't

imagine

hanging on to a house that has caused me this much stress - so thats why

I'm

thinking there's more to it than " just a house " . And you're going around

in

circles trying to get the problems fixed. Just remember that your Higher

Power

has everything under control (even in what looks like chaos) and He has

something better in store for you. But first you have to " let go " (I hate

when

people tell me that....LOL) and accept that life is as it should be.

Since I'm not

real happy with my life right now - accepting that this is how it should

be

is extra hard!! But I am trying to just live a moment at a time and

finding

the joy in " that moment " . Its working!!! And it has given the energy and

" gumption " to move ahead and restore, recreate, reclaim my life. Maybe my

life is

supposed to be this way " this moment " but the next moment will be better,

MUCH

better.

The times that seem the worst are the times when something is in the works

and working for our good. Its hard to see it - but we don't see the big

picture

Kate. We're learning lessons and once we accept whats happening as a way

for

us to learn the lesson, then we can move on. Sometimes we don't

understand

the lesson, I think this is when we just have to accept what is happening

as

being for our good - cause it seems I just stay confused trying to

understand

all these lessons I'm supposed to be learning.

But I know you can't sit back and just do nothing. After the holidays,

would

it be possible to show up on the doorstep of some of these agencies you

speak

of. MAKE THEM hear you if keeping the house is what you feel is right.

MAKE

THEM tell you why they're not helping and ask them what you need to do to

get

their help. It's one thing to accept our life as it is - its quite

another

thing to let someone else refuse to cooperate!!

I think I've just rambled on and on - probably because I don't know

exactly

how to help you but my heart goes out to you. And I know the heaviness of

a

burden such as this. Sometimes when I don't know what to do - I just STOP

for a

while and do nothing. Answers sometimes come and sometimes they don't -

but

I can regroup and gain energy to try once again.

Keep us posted. The thing that keeps me going is I know that one day I'll

look back on this time and smile and then realize that it was a time I HAD

to go

through in order to enjoy the goodness of life.

Hugs,

In a message dated 12/25/03 2:46:53 PM Central Standard Time,

dandt@... writes:

> Thanks for allowing to vent. I don't know what to do. I have

> only had temp jobs since 1999. Most ended with me being laid

> off. Also, our pre Civil (it was built in 1850) house was severely

> damage a few years ago by heavy rains. We told the money s about

> that and asked them to help. They didn't. - No answer, or anything.

> You would think they would want us to repair the house to keep

> the value up. Insurance didn't cover water damage. Money S lender

> coverage was supposed to pay if our coverage didn't. I guess

> our other insurance coverage was cancelled without notifiying

> us. Well, now, they said ZC said there was never a claim. Even

> though, the mortgage company noted it in their files about it.

> (Each year, it gets worse. Also, everytime it rains here, we

> get 1-2 inches. For example from September - November, we got

> about 14 inches of rain. - most of leaks in.). We tried other

> places to refinance, but no luck because not adequate income

> - needed at least $4000 monthly. Also, we were told the prepayment

> fees would be very high. So, we tried to fix things up, but

> nothing worked. It was further damaged by ice dams, due to the

> heavy snowfall that winter. Every year, it has gotten worse.

> Finally one contractor this summer, told us he would be surprised

> if it lasted the winter. He thought the house would collapse.

> This summer, my unemployment ran out after being laid off again.

> So we couldn't pay anything. Then, the city wrote us to fix

> up the house. Someone suggested I ask about the claim from 2000.

> So I did. The mortgage company said it was noted in their files,

> but they said no claim was ever filed. Also, I was told that

> the mortgage company filed another claim on our behalf on November

> 24th. So they wanted me to call the ZC claims number, I have

> tried calling that number numerous (maybe 20 or more) times for

> the last month. I have left messages for the person (claim rep)

> to call me. Nothing at all. Then I email the claim rep and

> she wrote me saying I need to call that number to report the

> claim again. She also said she never received any messages from

> me. Then I get this foreclosure notice the day before Christmas.

> Originally, the house was worth $90,000, now I think the land

> is the only thing worth anything which is about $40,000-$50,000.

> Our mortgage is higher than the house value. We have mold problems

> upstairs. I think it is health hazard. Our daughter graduates

> in 2005. If we could do anything, we would tear down the house

> and put up a Cape Cod. We saw some at Design Homes and they were

> perfect. This is just a brief synopsis. So I don't know what

> to do.

> Kate

>