In looking for a home we found an ad in our area paper for a house located at 1205 Grassy Meadow Place in Brandon. We met Donna Smith who is the owner who told us she bought the house as an investment 2 months prior. It was lovely and just what we were dreaming of. She spent aprox 30 minutes showing the home and at the time we also told her we had credit problems from 1997 from my wife developing heart problems and forcing her out of work. She now is on permanent Social Security Disability.
The next day we called our Mortgage Broker who we have been working with for a year to tell him we had found our dream home. He began to work to try to obtain our loan on April 20th. He has also been our advisor as to how to repair our damaged credit as some things had not dropped off yet.
We called Donna Smith on the 21st to meet at the house again, at which time she informed us that she needed one thousand dollars to hold the house til we knew if we could get financed, she also brought her contract along for us to sign. We stressed the importance of being able to afford the home based on the interest rate of any financing we could obtain and she assured us if we could not obtain suitable financing that our money would be promptly refunded.
We told her we had our own lender working on it and she insisted we give her our info so that she could give it to her guy who could "GET ANYBODY FINANCED" at the prevailing interest rate! Which at that moment was JUST ABOVE 5% we were so happy!
It had been a bad beginning to 2003 for us. Right after Christmas we were robbed with no homeowners insurance. We lost everything! Our 4 children lost all their Christmas presents but luckily we were able to leave our little woodframe home in a rapidly deteriorating neighborhood before one of us got hurt. We sold our home to an investor for very little money.
On the 23rd we heard from our lender who informed us that he still could not get us qualified for a loan. At about the same time we heard from Ms Smith's loan guy who told us he could only qualify us for a high interest rate loan that is was not even a fixed rate. Under our situation with a sick wife and 4 children I would have insisted on a fixed rate in ANY scenerio.
We called Ms Smith immediately and told her we could not do the deal and requested our money back. She said she would call her lender and get right back to us. That was on the 23rd of April. Never heard from her again. We made 30 calls made to her "office" with no return call back from her. We faxed a pleading letter asking for our money back, which she ignored.
What she did do however was to call back finally at 5:10 on May 1st, the day our closing was supposed to be done by, and tell my wife that we were not getting our money back, she had paid her own mortgage with it, said we had not tried to get financing so our contract was breached... (We HAD TRIED TO GET FINANCING! Said we missed our closing date. How could we have closed anyway as she did not return any of our phone calls? She could not make up her mind as to the reason why she was not giving our money back. My wife became so upset from that call and began crying in the middle of the supermarket where she had been shopping. She resorted to pleading with this witch. (My wife clips coupons and shops at thrift stores and this is lot of money to her, and me too).
She told Ms Smith we had just gotten robbed, lost everything we owned, were living on a mattress in a friends apartment, my daughter has medical problems which we are struggling to pay the copays from her regular visits to the Dr, Ms Smith replies "DOES THAT SOUND LIKE MY PROBLEM? SOUNDS LIKE YOUR PROBLEM TO ME" Attempts to reason with her results in a hang up in my ear.
I am taking her to small claims court, but someone with that lack of integrity, lack of heart, selfishness, cruel, evil, scamming... She will probably never pay it. My wife collapsed in the supermarket as a result of that phone call, her heart racing in excess of 190bpm. Stress makes her condition worse, she and I have both had many a sleepless night and want to make sure this does not happen to someone else. We had not even gotten over being robbed in January, then we get robbed again by this woman!
She is still trying to sell her house on Grassy Meadow Place, we were able to find out she only paid 119K for it in March, she slapped a coat of paint on it and is trying to sell it for 145K. She stole our money, she is cruel and evil and people like her are the reason why this world is a rotten place to be sometimes.
She has taken what could have been a happy time in our lives, househunting, and made us leary of anyone. She spent about one and a half hours with us and made off with one thousand dollars, not a bad take, huh? She is a robber! Please pass this on to everyone you can. I am going to put a sign on my car so people can be warned about her. This is the most cruel thing that anyone has ever done to my family!
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