Complaint Review: Bank Of America Armstrong & Bosh Insurance Agency Middleton Real Estate Agency

I was not born here. I was born in Arlington Virginia, grew up in Maryland and moved to Jacksonville North Carolina when I joined the Marines.

I know all about Jacksonville NC since I lived in that area for over 20 years. I still have a house in the area up there. I do know the difference between one locale and another, that's how I know there is no J-Ville Beach North Carolina, like you initially stated in your missive.

You said you bought the house for investment purposes. That means you planned on either renting it out, or fixing it up to resell at a profit. You said the walls aren't what you were "told" they were. This tells everyone you didn't bother to check the place out before buying it.

The plumbing never worked? Again, this tells everyone you didn't bother to check out the place first. You should be glad Code Enforcement hasn't condemned that place yet. You may have been gypped by someone, but mainly by yourself. Why would anyone NOT go through the house and check everything, including getting an independent appraisal and house inspection done prior to closing the loan.

Banks require these, but in most cases it can be from the seller OR buyer(agents included). As for us getting our jollies at your expense, sorry...no.

We've all made mistakes in life. I had a prebuild price that was about $5000 less than the house would be worth. That was 12% off the price.

Homes are much cheaper then/there. The house has doubled in value since 1986. When my house was being built in NC, I had to tear it down again and again becuase the builder was trying to ignore building codes. He'd put up the frame with the wrong "centers" on the boards trying to save a buck.

I'd go in at night and tear it all down and leave a copy of the NC Code for him. He did that with the wiring, same thing happened, and it just got uglier as the build went on.

Finally, when he got to the roof, he tried to use staples for the shingles. I showed up and he stopped his crews so he could go BUY some nails and guns to do the job correctly. I guess he'd had enough of me. I had him by the sack and he knew it. His father owned the construction company and we both got along just fine.

The point of this story(Troy) is that during the past 19 years of hurricanes, all of my neighbors homes have been obliterated while mine still stands.

I have lost a whole whopping 3 1/2 roof shingles from the storms. My siding has been damaged by the remains of other houses blasting into mine. But everyone in the area knows whose house to stay in during the hurricanes.

I even have power, hot water, and cooking abilities during them. Good luck on your next purchase. By the way, I did all of my research on my house on my own.

Hi, Julie from Oklahoma!
Did you hear about the "right of rescission"?

I know that they collect money for next year. But I do not understand: why does Bank of America take my money for taxes so far? I do not have taxes since 2003.
I see how everybody happy if someone have troubles. This is your nature.

As you can see above Robert from Jacksonville told everybody that I mislead people, because here not Jacksonville Beach but only Jacksonville.

He lives here but has no idea, that Atlantic Beach, Jacksonville Beach, Ponte Vedra Beach have their own majors, their own government and if you call to these areas, your telephone bill will show you that it is long distance call.

They have their own news papers and so on. The same story with Orange Park. So, who is a lier? You was born here and know nothing about place you live.

Translator doesn't help to overcome situation, I need good legal advice. Have a nice day!.

Ms. Maria, you seem to be terribly confused. As to your taxes and insurance that you paid at closing and then they began collecting for from day one, you should read your mortgage (use a translator if necessary). They pay your taxes and insurance up front. Then they collect, from the beginning of your mortgage, every single month (including a cushion) to pay them the next time they come due (in one year). If they didn't collect from you all year, how would they pay it when it came due? Again, this is all spelled out clearly in the mortgage document you signed when you closed on the property.

The other thing you need to know is this, realtors exaggerate. You will see a house labeled as completely remodeled, go into the house and find that it has some new paint and one new light fixture. Somehow, this gets by in every single state. That is why there is a commonly know phrase, buyer beware. If you didn't ask them to do additional improvements beyond what you saw you when you wrote a contract to purchase the house, they were NOT REQUIRED to do any additional improvements. EVEN IF the listing said it was improved and hadn't been yet.

In addition, you would have signed (standard in all 50 states) and release and satisfaction at closing. Thus the "Buyer Beware". When you closed on the house, you accepted it just like it was, and it was over. If you went to closing, you took it lock, stock and barrell and now any problems you have with the house are yours and yours alone. You need to spend some money and fix up your house is what it sounds like.

It also doesn't matter what city hall says your house is worth. In reality, it is worth whatever a buyer is willing to pay for it.

Dear Robert from Jacksonville, I just filed blocks as required: first city, then states. And because here are 3 offices involved, different states appeared. North Carolina for Bank of America, Jacksonville Beach for Real Estate Agency. Simple, ha-h?

And secondly: I was going to buy house not for investment but to live in it. House was advertised as investment property, but owner and Real Estate Agent assured me that house will be renovated but they only painted rooms inside. That's all. Real Estate Agent told me that all inspections and appraisal done and I will get all papers at closing. But I didn't find any right papers at all.

And third: I had full bunch of professionals include Property Attorney and what?!

I am not pretending that I know a lot about buying process, but it doesn't mean that these "professionals" should rip me off. O.K.?
Maria. Jacksonville. USA.

There is no such place as Jacksonville Beach North Carolina. There is a Jacksonville, but no Jacksonville Beach. Since Maria has this wrong, what else could she be misleading us on? She claims she bought a house for investment purposes. This must be why she had no attorney present at closing and knows absolutely nothing about the process. Good investment strategy Maria.

She apparently did not even bother to look at the house or get an independent appraisal done prior to closing. She also does not understand escrow.

The bank will take the amount due for the year in taxes and insurance, divide by 12, and add it to the P&I. That is the payment each month. You can pay up front for all of the insurance and taxes but that means nothing.

The escrow is for the next years' payouts, not the current one. She also does not know the difference between APR and what her actual rate is.

When any of the closing costs are folded into the loan, the actual percentage rate increases even if the APR remains the same...sort of like APR versus Yield in an investment portfolio.

The way to make them both the same is simple...pay all of the fees up front in cash. So Maria doesn't know much about investing in real estate...that's okay. She should get a professional to assist her next time.

Then she can sit back and make money while not getting screwed over too badly. This is why most people use Real Estate Agents instead of doing it all themselves.

Closing attorneys are great too. I get the feeling that Maria bought a house SOMEWHERE and later found out she paid too much and wants the bank to just forgive the amount she owes.

That won't happen, of course since the bank gave that money to the seller already. The bank will only loan as much as the property is worth, whether it's land, buildings, or a combination of both.

Perhaps the land is more valuable than the dwelling. An appraisal would have shown this.

Hi,Cory from San Antonio, Texas! If you want to continue to discuss here something else but Rip-off problems, please send some donation to bad business bureau. Link you can find on the bottom. Thank you.

Just because a person is suspicious doesn't make them a bad person. Maybe another word is very careful. They don't "act" suspicious. They are just very suspicious of those around them. They are always on the lookout for how other's actions will affect them. They have been very careful in how they deal with others. That's why I find it hard to believe that anyone, let alone three groups, "got over" on Maria.

Just because a person is suspicious doesn't make them a bad person. Maybe another word is very careful. They don't "act" suspicious. They are just very suspicious of those around them. They are always on the lookout for how other's actions will affect them. They have been very careful in how they deal with others. That's why I find it hard to believe that anyone, let alone three groups, "got over" on Maria.

Just because a person is suspicious doesn't make them a bad person. Maybe another word is very careful. They don't "act" suspicious. They are just very suspicious of those around them. They are always on the lookout for how other's actions will affect them. They have been very careful in how they deal with others. That's why I find it hard to believe that anyone, let alone three groups, "got over" on Maria.

Just because a person is suspicious doesn't make them a bad person. Maybe another word is very careful. They don't "act" suspicious. They are just very suspicious of those around them. They are always on the lookout for how other's actions will affect them. They have been very careful in how they deal with others. That's why I find it hard to believe that anyone, let alone three groups, "got over" on Maria.

This is an answer for Cory - San Antonio, Texas, USA.

You wrote, "The Russian/Slavic people I have dealt with, are some of the most suspicious people on the face of the earth".
You know, friend, that every society has its good people and not too good, or even bad.

Three blind people touched an elephant and described how it looks like. One man who touched leg of an elephant said that it looks like a post.

Another man held the tail of elephant, he said that this animal looks like a rope. Third blind man touched the nose of an elephant, he said that elephant looks like a snake.

I do not know which Russians you dealt whith, but I am good person, believe me.

Dear Mr. Patrick Middleton, you are so-o-o wrong! Your "an honest, qualified agent" Ms. Grant made me paid $3,345.01 for transaction of this house and didn't provide any services. Realtor has made not appropriate Contract: I put my wishes in it but what will happen if appliances won't work right (and they don't work!).

Who is responsible? For how long? She had not taken any precautions in the Contract to protect me. The owner could be held liable. This Contract means nothing. So, if American Law cannot work in this matter, the "Pottery Barn Rules" will take over: YOU BREAK IT, IT'S YOURS! You must provide me home of my choice and take this one for yourself.

Below I am providing for you a listing of just some of the inspections, documentation and responsibilities encountered during the home-buying process, which I NEVER HAD:

The Hazardous Materials Inspection; Mold disclosure; The Structural Engineer's Report; The Home Inspection Report; The Termite (WDO) Report; The Home Warranty Policy;

The Current Apraisal (within the last 3 mo); The Septic Inspection Report; Easements or Encroachments affecting the Property; Building Permits for all improvements on the Property; Owner's List of all improvements done without building pirmits;

Owner's List of all energy features, Owner's List of all major repairs or improvements (including dates); Owner's List of all Warranties, which are still current; Any additional documentation owner has about house; List of the best features of the home, property and area;

List of the worst features and how they could affect the buyer;

Of course, to learn all this stuff I needed time. The American Law has greater complexity for me: I shoul translate almost every word.

But, Mr. Middleton, do not think you have the power - legally and emotionally - and to cheat me out of a fair deal is a thing of the past.

Well, I have had hard time to learn about Real Estate, Insurance, Mortgages and so on but it worth it. I know my rights now and going to fight for them.
Regards, see you soon in the Court.

Dear Mr. Patrick Middleton, you are so-o-o wrong! Your "an honest, qualified agent" Ms. Grant made me paid $3,345.01 for transaction of this house and didn't provide any services. Realtor has made not appropriate Contract: I put my wishes in it but what will happen if appliances won't work right (and they don't work!).

Who is responsible? For how long? She had not taken any precautions in the Contract to protect me. The owner could be held liable. This Contract means nothing. So, if American Law cannot work in this matter, the "Pottery Barn Rules" will take over: YOU BREAK IT, IT'S YOURS! You must provide me home of my choice and take this one for yourself.

Below I am providing for you a listing of just some of the inspections, documentation and responsibilities encountered during the home-buying process, which I NEVER HAD:

The Hazardous Materials Inspection; Mold disclosure; The Structural Engineer's Report; The Home Inspection Report; The Termite (WDO) Report; The Home Warranty Policy;

The Current Apraisal (within the last 3 mo); The Septic Inspection Report; Easements or Encroachments affecting the Property; Building Permits for all improvements on the Property; Owner's List of all improvements done without building pirmits;

Owner's List of all energy features, Owner's List of all major repairs or improvements (including dates); Owner's List of all Warranties, which are still current; Any additional documentation owner has about house; List of the best features of the home, property and area;

List of the worst features and how they could affect the buyer;

Of course, to learn all this stuff I needed time. The American Law has greater complexity for me: I shoul translate almost every word.

But, Mr. Middleton, do not think you have the power - legally and emotionally - and to cheat me out of a fair deal is a thing of the past.

Well, I have had hard time to learn about Real Estate, Insurance, Mortgages and so on but it worth it. I know my rights now and going to fight for them.
Regards, see you soon in the Court.

Dear Mr. Patrick Middleton, you are so-o-o wrong! Your "an honest, qualified agent" Ms. Grant made me paid $3,345.01 for transaction of this house and didn't provide any services. Realtor has made not appropriate Contract: I put my wishes in it but what will happen if appliances won't work right (and they don't work!).

Who is responsible? For how long? She had not taken any precautions in the Contract to protect me. The owner could be held liable. This Contract means nothing. So, if American Law cannot work in this matter, the "Pottery Barn Rules" will take over: YOU BREAK IT, IT'S YOURS! You must provide me home of my choice and take this one for yourself.

Below I am providing for you a listing of just some of the inspections, documentation and responsibilities encountered during the home-buying process, which I NEVER HAD:

The Hazardous Materials Inspection; Mold disclosure; The Structural Engineer's Report; The Home Inspection Report; The Termite (WDO) Report; The Home Warranty Policy;

The Current Apraisal (within the last 3 mo); The Septic Inspection Report; Easements or Encroachments affecting the Property; Building Permits for all improvements on the Property; Owner's List of all improvements done without building pirmits;

Owner's List of all energy features, Owner's List of all major repairs or improvements (including dates); Owner's List of all Warranties, which are still current; Any additional documentation owner has about house; List of the best features of the home, property and area;

List of the worst features and how they could affect the buyer;

Of course, to learn all this stuff I needed time. The American Law has greater complexity for me: I shoul translate almost every word.

But, Mr. Middleton, do not think you have the power - legally and emotionally - and to cheat me out of a fair deal is a thing of the past.

Well, I have had hard time to learn about Real Estate, Insurance, Mortgages and so on but it worth it. I know my rights now and going to fight for them.
Regards, see you soon in the Court.

Dear Mr. Patrick Middleton, you are so-o-o wrong! Your "an honest, qualified agent" Ms. Grant made me paid $3,345.01 for transaction of this house and didn't provide any services. Realtor has made not appropriate Contract: I put my wishes in it but what will happen if appliances won't work right (and they don't work!).

Who is responsible? For how long? She had not taken any precautions in the Contract to protect me. The owner could be held liable. This Contract means nothing. So, if American Law cannot work in this matter, the "Pottery Barn Rules" will take over: YOU BREAK IT, IT'S YOURS! You must provide me home of my choice and take this one for yourself.

Below I am providing for you a listing of just some of the inspections, documentation and responsibilities encountered during the home-buying process, which I NEVER HAD:

The Hazardous Materials Inspection; Mold disclosure; The Structural Engineer's Report; The Home Inspection Report; The Termite (WDO) Report; The Home Warranty Policy;

The Current Apraisal (within the last 3 mo); The Septic Inspection Report; Easements or Encroachments affecting the Property; Building Permits for all improvements on the Property; Owner's List of all improvements done without building pirmits;

Owner's List of all energy features, Owner's List of all major repairs or improvements (including dates); Owner's List of all Warranties, which are still current; Any additional documentation owner has about house; List of the best features of the home, property and area;

List of the worst features and how they could affect the buyer;

Of course, to learn all this stuff I needed time. The American Law has greater complexity for me: I shoul translate almost every word.

But, Mr. Middleton, do not think you have the power - legally and emotionally - and to cheat me out of a fair deal is a thing of the past.

Well, I have had hard time to learn about Real Estate, Insurance, Mortgages and so on but it worth it. I know my rights now and going to fight for them.
Regards, see you soon in the Court.

The reason I posted as I did. The Russian/Slavic people I have dealt with, are some of the most suspicious people on the face of the earth. They are always on the lookout for a con. Maybe it's a cultural thing. Being raised in that society? Who knows? If she is to be believed, the bank, the insurance company and the real estate agency have to have been in cohoots. Maria is to be commended for her post. Hell, her spelling is better then mine. What makes me suspicious is that she spells the difficult words fine and the simple ones wrong. Her syntax is correct in some forms, but not in others. After reading the real estate guy's rebuttal, that sounds more like my encounters. Who's conning who?

The reason I posted as I did. The Russian/Slavic people I have dealt with, are some of the most suspicious people on the face of the earth. They are always on the lookout for a con. Maybe it's a cultural thing. Being raised in that society? Who knows? If she is to be believed, the bank, the insurance company and the real estate agency have to have been in cohoots. Maria is to be commended for her post. Hell, her spelling is better then mine. What makes me suspicious is that she spells the difficult words fine and the simple ones wrong. Her syntax is correct in some forms, but not in others. After reading the real estate guy's rebuttal, that sounds more like my encounters. Who's conning who?

The reason I posted as I did. The Russian/Slavic people I have dealt with, are some of the most suspicious people on the face of the earth. They are always on the lookout for a con. Maybe it's a cultural thing. Being raised in that society? Who knows? If she is to be believed, the bank, the insurance company and the real estate agency have to have been in cohoots. Maria is to be commended for her post. Hell, her spelling is better then mine. What makes me suspicious is that she spells the difficult words fine and the simple ones wrong. Her syntax is correct in some forms, but not in others. After reading the real estate guy's rebuttal, that sounds more like my encounters. Who's conning who?

The reason I posted as I did. The Russian/Slavic people I have dealt with, are some of the most suspicious people on the face of the earth. They are always on the lookout for a con. Maybe it's a cultural thing. Being raised in that society? Who knows? If she is to be believed, the bank, the insurance company and the real estate agency have to have been in cohoots. Maria is to be commended for her post. Hell, her spelling is better then mine. What makes me suspicious is that she spells the difficult words fine and the simple ones wrong. Her syntax is correct in some forms, but not in others. After reading the real estate guy's rebuttal, that sounds more like my encounters. Who's conning who?

I am the owner of Middleton Realty and want to respond to these accusations. When my agent helped Ms Cheshire obtain her property she was represented by an honest, qualified agent. All contracts were complete with proper didclosures.

Ms. Cheshire purchased a home for $55,000 and now, almost 2 years later is making ridiculous claims and has demanded that my company do the the right thing and purchase her a new home. She has even picked out an accetable home. The home i $409,000.

This alone shows the absurdity of her claims. I would gladly speak to anyone who has any questions about my company. I have been in business for 13 years and have never had compaint before.
Regards,

Thank you for your comments and once again excuse me for my poor English and grammar. I'm 58 years old and have studied English only for 9 month. And here is free country - America: you can believe whatever you want, this is your right, but all facts true, documented and available...

Thank you for your comments and once again excuse me for my poor English and grammar. I'm 58 years old and have studied English only for 9 month. And here is free country - America: you can believe whatever you want, this is your right, but all facts true, documented and available...

Thank you for your comments and once again excuse me for my poor English and grammar. I'm 58 years old and have studied English only for 9 month. And here is free country - America: you can believe whatever you want, this is your right, but all facts true, documented and available...

Thank you for your comments and once again excuse me for my poor English and grammar. I'm 58 years old and have studied English only for 9 month. And here is free country - America: you can believe whatever you want, this is your right, but all facts true, documented and available...

A "Russian" immigrant "trapped, totally mislead and ripped off of her money". I don't believe it or this post. The syntax and spelling are suspect.