windsong

Thanks, Sally. I seem to remember you said that once before and I forgot. I really must delve further into this subject.

One thing that I keep in mind at all times when it comes to getting a mortgage in the UK is what is happening with me right now in the U.S. regarding my current home. For those of you who have not read my story (not mentioned in a long time) here it is - so never say something can never happen to you and that something is not possible because it is:

Two years ago I applied for a loan modification. I was approved. I received the final paperwork from the bank but the escrow figures were wrong. The company that did my paperwork and submitted it to the bank asked the bank to correct the figures before I signed because they were the final papers after all. The bank did nothing of the kind. Instead, they sold my home a month later. I found out by accident that it had been sold to a third party at an auction for . . . drumroll . . . $25,000!!! Yes twenty-five thousand dollars. Talk about DEVASTATED! I have lived here 13 years. I am presently renting my own home from the new owner while my lawsuit against the bank is underway - I am SUING them!

My home is a very nice middle-class condo. The real estate market where I live (midwest) has plummeted the last four years but, even so, they are selling for over $100,000 now. Six years ago, it was valued at $180,000. This creep bought it for $25,000! I have paid half of that in rent to him over the last year while the lawsuit proceeds.

Because of the influence of the Supreme Court on the court system in my state, my attorney says the sale will not be reversed - yes, it is possible to do a reversal and some have been done throughout the country - because the courts are siding with the banks, no matter what. The most I can expect - apparently - is a small cash settlement and a clear credit rating. My home is no longer my home - it is a roof over my head. It is shelter. Nothing more now.

This experience was the straw that broke the camel's back. I have always wanted to go back to the UK but this was the final straw. I will not live in a country where this sort of thing is possible - and if it is possible, then there should be adequate compensation and reversal of sale under the legal system. The ethics ruling here are totally against my own personal values and ethics. Any veil of denial has been lifted from me as to what is really happening here. Had I known 30 years ago that this sort of thing would be allowed to happen in the USA, come hell or high water I would not have come here.

So . . . when you read the papers, whatever it is, never ever say "this can never happen to me".

windsong

I am not sure it will make a difference for returning expats, Linda. I would like to think so but I hardly think we will get the straight £140 that UK residents will get. I don't know, though.

windsong

[QUOTE=Pistolpete2;9228517] I know that program. lol! I forget the name of the woman who thinks she was born with a silver spoon in her mouth, but I couldn't stand seeing Onslow's house. It drove me nuts!

Boodles

And, just remember not to BRUSH against the wallpaper!!!!!

Mummy in the foothills

[QUOTE=windsong;9229567] It looks like a lot of our neighbors on the inside from when I was growing up, we all had matching council houses with pebbledash walls outside we had red front door, cause my Dad didn't like the blue the council used. How they all lived in that cluttered mess is beyond me. Poor Daisy, she just want a cuddle (maybe a little more)

sallysimmons

[QUOTE=windsong;9229567] Hyacinthe Bucket (pronounced Bouquet )

Fish n Chips 56

I wonder if we will be talking about Wisconsin tomorrow, is this the start of real Trouble in America, I think it might be.

Beedubya

Talking of council housing............

My sister is a council housing officer and yesterday she brought home their newsletter.............I was gobsmacked at 2 articles in there.

ASSISTED FURNITURE SCHEME

For people who don't have any furniture and are moving into their first council house they will provide a grant of up to £1000.00!!!! (Strict criteria applies)

LEAVE IT CLEAN

To encourage people to leave their council property clean and in good order when they leave, there is a £250.00 reward!!! Just follow the eight "do's" and the money is yours!!!

I kid you not!!!

Fish n Chips 56

Wow Barb £1000 that's unreal, I've never heard of such a thing, that seems like a boat load of money, I doubt you would get that in America, that's what goodwill is for, plus we have lots of charities that would give you stuff.

£250 to leave it clean, surely they should do that anyway, of course I know some people dont, as some have no clue what clean really is, it sounds like a bad idea to me, surely everybody expects the 250 wether its really clean or not.

By the way my sister in law is a council housing officer.

ldyinlv

At ASDA they charge to park, but when you buy something you get your pound back....

jasper123

WOW dont you just LOVE IT !!!

jasper123

Thanks Sally I really had never heard of this show before, its probably on when my Mum is watching her 3 hours of Soaps, Corrie/Emerdale/Neihbours,
I do miss a lot of good telly when all this is on but I do try and catch up with things on my Lap Top,

jasper123

Oh yes keeping up appearances Ive seen a few episodes of that years ago, I remember now thanks.

jasper123

Windsong, OMG WOW I am flabagasted after reading your story, absolutely ridicules of that bank to have been able to sell your house, and after the mistake was discovered that the courts would not automatically reverse the sale, Courts should not have even needed to come into the matter, the bank should have reversed the sale right away and also reimbursed you for any inconvenience, Unbelievable, I am so sorry that you are going through all this.

windsong

Thanks, Rodney. Yes, it is a nightmare that no one should live. There really is crookedness, deception, greed and theft in the USA, and there is no such thing as justice here. There's also no protection from the government. It's all smoke and mirrors.