Update on Our home(Home EQ Inc. Forced Flood Ins.)

I know it's been a while since I updated my blog. Gosh, it feels like a lifetime already since I was at home too. I've been walking down this dirt road from Moms to our home almost every day. It's so sad to pass the house and remember what it felt like to be in there. So many emotions... so many questions.

We seens a lawyer Monday a week ago. He says he wants to see a copy of the Ins. Policy that the mortgage company imposed on us. We couldn't find our copy so we sent for a copy. We are now waiting on those papers. The lawyer said that alot of times there is money in a policy that the policy holder doesn't even know about. Well we'll see.... cause they aren't offering to give us enough to fix the house.

We also in the process of going through some paperwork, found the original agreement. It shows we have 2 septic tank systems and 1 well on our property. Well... there is no such thing as 2 septic tanks on my property.... my brother owns my other septic tank due to stealing the property. (more on that below) The well is my brothers and on his property. The title company was told this. I don't know why we didn't read this paperwork more clearly than we did. We do have ONE big septic tank system for this house, on our property. They were told in the beginning that the well was on my brothers property. We also seen the words "This property is NOT in a flood zone". Well.... right after we got this refinance, our mortgage company imposed flood insurance on us and went up on our mortgage payments. Because of this, they were about to force us into bankruptcy. We paid them over 1000.00 to bring payments current. Wish I knew the exact dollar amount now but we are gonna go and look all this up now. We had to prove to them we were not in a flood zone so we contacted the country dept and got paperwork signed and faxed it in. The mortgage company was supposed to reimburse us for this but they never did send us any money. Even they didn't bother to read the paperwork on the title or they would have known we were not in a flood zone. I'm not sure that we proved we were not in a flood zone before they foreclosed on us and forced us into bankruptcy or not..... We will get the lawyer to audit the mortgage account now cause so many things happened. They even charged what they call "Ride By Inspections". We live on private property and anyone who passes my families house usually gets questioned if the vehicle is strange looking. They either call us, or they follow the vehicle to see where it went, LOL.  There's never been any of those inspections going on.... they just charge you that if you are late, saying they did the drive by to see if the house was still there. Now how can the house be moved? It's bricked under and on a foundation. We'll get to the bottom of that one too now that all this has happened, 

So bankrupt we went...... the second time was when my husband had cancer. I'll tell that story another time. So lets talk about my stolen property, ok?

When I initially bought the house, I put 10,000.00 down on it. It was my retirement money from a plant I worked at. We ended up doing a re-finance some years later on the house.... so when we did, the mortgage company wanted collateral. So with that said, my dad came back to the house and showed me my property lines and told me what I could have. He said this small part of your yard past your septic tank (from old house) on over to your brothers house is under mortgage cause I loaned him the land so he didn't have to mortgage any of his land he is using for a pond. I said ok. We had a surveyor come out and do our surveying.... and somehow ended up with 1.2 acres. Well... to this day we don't know how that is only 1.2 acres but that's what the plat now says. We thought at one time we owned just over 2 acres. So anyway, 12 years later.... my house is burnt to the degree I can no longer live in it..... we do some research and find out the land my dad let him borrow exceeded the line where dad said to stop. He went all the way to my back steps and surveyed there. He now owns the property 13 ft. from the actual foundation of my home to HIS house. That would include my first septic system I paid for when I had my single wide parked there..... and my screen printing shop. My dad had no idea my brother stole it. Needless to say.... I am not speaking to him and HE is a THIEF! If someone would steal from you, they'd do anything to you. So..... with that said.... it's like we are doomed!!! Why would I not be asking questions now? Yes L-rd.... it's time you move us elsewhere..... do something.... even give him ALL the land and mine.... just get us out of here!!!!

So that's where we are now,, my friend who is a lawyer felt the need to send us to this other lawyer cause he has handled cases like this before and has won. She wants the accounts audited and also says the Title Company may get sued for falsifying information, I do have to wonder too.... exactly HOW far off someone elses property line can you survey???? This is crazy!!!  I feel so ashamed that my own flesh and blood would hurt me like this.... but... this isn't the first time he has done something to us either. :(

Please continue to pray for us. There Has to be an answer somewhere.

This might sound funny but.... I was thinking the other day... it would be nice if a bunch of my friends went to ABC.com and clicked on the "Extreme Makeover Home Edition" button and then clicked on Apply/Nominate and nominated us for a new home. Ok, it doesn't hurt to dream, does it?

I'd settle for an OLD farmhouse with about 7 acres of land for farming :)  I want me a farm so badly. Read my upcoming post, on our new Goats we are getting, lol

I don't have too many blog followers... I know this sounds like doom and gloom, but ya know,... this is gonna turn out for good, somehow, trust me!!! I love you all and thanks for following us as we weed through this mess :)

Homeschool Family

I have a wonderful friend named Katrina. She is a wonderful home school mother of 4 and a wonderful wife. I don't know that I've ever had a better close friend than her. She lives about 30 miles away but she has kept up with me and my family and has brought us groceries, gave us a Wal-mart gift card and sure has kept us in eggs too! She is such a sweet person and always looking for a way to help others. I love her and hope she knows how much!!!!!

I have another great friend who is a home school mother to one child. She moved from SC back to her home in Connecticut. She has been organizing a book sale from her home in CT. through the homeschool groups here in SC. She will be coming back to SC in Jan. for the sale. After the emails hit the homeschool loop, I had several write to tell me they wanted to send us food. One email came in from a lady named Kathi. She wanted to give us a turkey. How awesome!!! We said, Sure.... We'd LOVE to have it!!! Arranged to meet Kathi in Charleston to pick up today as we were going to be in the area, so she arranged to meet us at the bowling alley. Before I left home, I checked the email and there was yet another lady named Jennifer. I had no idea who she was, but she was from the same town as my friend Katrina, about 20 minutes away. She wanted to get groceries to us ASAP. I didn't have time to write her back before I left.
(Kathi-whom I had never met before did meet us in Charleston today) she gave us a Turkey and a bag of other foods. Things like cereal, peanut butter, toothpaste, mouth wash, cookies, pudding, jello, macaroni, shampoo, dog biscuits (I just told my husband this morning we needed those cause the vet said not to give the dog any chicken bones. We found that G-dly amazing that we mentioned that this morning and there they were this afternoon)and so much more. I hugged her must have been 2 times at least telling her how thankful we were for this food. She was such a really sweet lady. I pray G-d truly blesses her for her thoughtfulness, as we can sure use the food!!!! Thanks Kathi!!!Hugsss

Jennifer called us while we were out getting something to eat. I left the dinner table to go talk to her as it was loud in the place we were. She was so nice and we had so much in common I could hardly believe it. Her family is from Wisconsin as my husbands family is as well. We were both from Pentecostal churches as well... at one time. As we were talking about her bringing us food and gifts, I said to her. "So, I have been praying for something, so let me ask you something before you hang up with me". I said, "Do you quilt"? She laughed sorta hard on the other end and I said, "Well, what"? She said, it was funny I asked that.... she has a friend who quilts, she said she had been wanting to find a way to incorporate something like this in their giving. She continued to tell me that there is a group of ladies who get together to can foods and dehydrate them and they are big into "The End Times"and storing up food. I could hardly believe my ears. I told her about us wanting to learn to can our foods, but I didn't tell her I was just reading a prophetic letter last night to my dad, husband and mom about this very same thing, storing up food. I've known for 3 years already that we were supposed to do it but I've failed miserably to do it :( With that said, I'm sure she will read this and say, "Wow, that's another thing we have in common". I can't wait to meet her!!!! I am hoping we can do some quilting together when I get everything straight. Her boys are around my boys age and loves leggos... and she has a 14 year old too who loves to bead.... which my daughter LOVES!!!! She also has a Messianic friend who she is going to introduce me to, hopefully. That will be nice to meet another Messianic person in my area. So.... I truly think she is a G-d send!!!!! I am supposed to meet her tomorrow and I am very excited about this!!! What a sweet girl! Thanks Jennifer, looking to see you tomorrow!

I had another Homeschool Mom (Tasha) who sent me a gift card and we used that for food too. Thanks Tasha, so much!!!! hugsss

Tonight...... a minister(Bro. Harbin) from my old church(CofG) came by while we were not home. He left us 25.00 in a card with my mother. I am sure of his own money. He said there were like 50 other people who were needy at the church. We love this minister.... he is very precious to us!!!!