Tonya
Boise,#2Consumer Suggestion
Wed, September 20, 2006
First of all, I am sorry to hear that your mother did this to you. I sincerely hope that you are able to make things right. Do you have proof of the checks that you wrote to your mother? You will need them if you contact the IRS to back up your claim. Also, copies of all payments made for improvements or purchases directly related to your house will help you establish that you lived in and worked on the home. This includes the separate payments for the homeowner's insurance. If that was in your name it may help you establish a viable claim to bring to an attorney. According to your description of events, your mother's mortgage broker appears to have colluded with her to mislead you. If Brackie actually told you (or, better, put in writing)that your mother would "co-sign" and then enabled her to fill out loan paperwork as the sole owner, then she violated the broker's code of ethics. You might consider filing a complaint against her or the mortgage company for this. If she was aware of what your mother was doing, you may be able to pressure her into witnessing for you in exchange for dropping the complaint. There is probably no way around getting an attorney, but there are some free/sliding scale legal resources out there both in universities with legal colleges and online. Do some research and see what you come up with. Is your mother here on a visa? Illegal behavior is frowned upon by immigration, and defrauding her employer might be considered actionable and a way for you to pressure her into letting you buy the house for a fair amount. One last thing, you did the right thing by keeping your son away from her. What kind of person tries to take a 4 year old away from his mother to hide him in another country? You should file attempted kidnapping charges against her.
Tonya
Boise,#3Consumer Suggestion
Wed, September 20, 2006
First of all, I am sorry to hear that your mother did this to you. I sincerely hope that you are able to make things right. Do you have proof of the checks that you wrote to your mother? You will need them if you contact the IRS to back up your claim. Also, copies of all payments made for improvements or purchases directly related to your house will help you establish that you lived in and worked on the home. This includes the separate payments for the homeowner's insurance. If that was in your name it may help you establish a viable claim to bring to an attorney. According to your description of events, your mother's mortgage broker appears to have colluded with her to mislead you. If Brackie actually told you (or, better, put in writing)that your mother would "co-sign" and then enabled her to fill out loan paperwork as the sole owner, then she violated the broker's code of ethics. You might consider filing a complaint against her or the mortgage company for this. If she was aware of what your mother was doing, you may be able to pressure her into witnessing for you in exchange for dropping the complaint. There is probably no way around getting an attorney, but there are some free/sliding scale legal resources out there both in universities with legal colleges and online. Do some research and see what you come up with. Is your mother here on a visa? Illegal behavior is frowned upon by immigration, and defrauding her employer might be considered actionable and a way for you to pressure her into letting you buy the house for a fair amount. One last thing, you did the right thing by keeping your son away from her. What kind of person tries to take a 4 year old away from his mother to hide him in another country? You should file attempted kidnapping charges against her.
Tonya
Boise,#4Consumer Suggestion
Wed, September 20, 2006
First of all, I am sorry to hear that your mother did this to you. I sincerely hope that you are able to make things right. Do you have proof of the checks that you wrote to your mother? You will need them if you contact the IRS to back up your claim. Also, copies of all payments made for improvements or purchases directly related to your house will help you establish that you lived in and worked on the home. This includes the separate payments for the homeowner's insurance. If that was in your name it may help you establish a viable claim to bring to an attorney. According to your description of events, your mother's mortgage broker appears to have colluded with her to mislead you. If Brackie actually told you (or, better, put in writing)that your mother would "co-sign" and then enabled her to fill out loan paperwork as the sole owner, then she violated the broker's code of ethics. You might consider filing a complaint against her or the mortgage company for this. If she was aware of what your mother was doing, you may be able to pressure her into witnessing for you in exchange for dropping the complaint. There is probably no way around getting an attorney, but there are some free/sliding scale legal resources out there both in universities with legal colleges and online. Do some research and see what you come up with. Is your mother here on a visa? Illegal behavior is frowned upon by immigration, and defrauding her employer might be considered actionable and a way for you to pressure her into letting you buy the house for a fair amount. One last thing, you did the right thing by keeping your son away from her. What kind of person tries to take a 4 year old away from his mother to hide him in another country? You should file attempted kidnapping charges against her.
Tonya
Boise,#5Consumer Suggestion
Wed, September 20, 2006
First of all, I am sorry to hear that your mother did this to you. I sincerely hope that you are able to make things right. Do you have proof of the checks that you wrote to your mother? You will need them if you contact the IRS to back up your claim. Also, copies of all payments made for improvements or purchases directly related to your house will help you establish that you lived in and worked on the home. This includes the separate payments for the homeowner's insurance. If that was in your name it may help you establish a viable claim to bring to an attorney. According to your description of events, your mother's mortgage broker appears to have colluded with her to mislead you. If Brackie actually told you (or, better, put in writing)that your mother would "co-sign" and then enabled her to fill out loan paperwork as the sole owner, then she violated the broker's code of ethics. You might consider filing a complaint against her or the mortgage company for this. If she was aware of what your mother was doing, you may be able to pressure her into witnessing for you in exchange for dropping the complaint. There is probably no way around getting an attorney, but there are some free/sliding scale legal resources out there both in universities with legal colleges and online. Do some research and see what you come up with. Is your mother here on a visa? Illegal behavior is frowned upon by immigration, and defrauding her employer might be considered actionable and a way for you to pressure her into letting you buy the house for a fair amount. One last thing, you did the right thing by keeping your son away from her. What kind of person tries to take a 4 year old away from his mother to hide him in another country? You should file attempted kidnapping charges against her.
Dave
Jacksonville,#6Consumer Suggestion
Wed, September 20, 2006
You have no recourse in the matter. If nothing was written in a contract with your mother, you are pretty much screwed. However, there is a way to get back at her. Since you have no contract that the house is yours, and no contract that says you have any association with this house, do this.... Find another home to purchase. You mentioned that you can qualify now for a loan. Then, the day you close on the new house, completely demolish the house you're living in. Destroy the entire inside. Take the appliances out, since they were 'a gift'. Douse the carpets, drapes and floors with sugar and honey so the ants will run rampid. Buy a few pounds of limburger cheese and hide it inside the walls and attic. Disable the new a/c unit. Do everything you can think of to make this house unliveable. Then, tell your mother to go F herself and get a restraining order against her.
S.n.
Bucyrus,#7Consumer Suggestion
Wed, September 20, 2006
If your mother was taking payments of $500.00 a month from you for 4 years, she should have been claiming that as income. Have them check & see if she did. You will most likely need to find an attorney and sue for the money you yourself put into the home. I don't know what you can do about actually getting the house, but I'd certainly try to get the actual money back I had invested as improvements.