This will be a long drawn out post. Just a fair warning for those with better ways to spend 15 minutes or so.
I hadn't posted about this here, but the last couple of months have been extremely difficult for my Mother. As it happens her husband stopped making the payments on the motor home (unbenounced to her) that they lived in. To make matters worse, it was close to being paid off. She had 3 days notice of repossession (they're both in their 80's).
Couldn't find a way to stop that from here. But I was able to find a used 40' bumper pull trailer in great shape, very close to her. She was able to make that purchase, and the trailer was supposed to be delivered in 3 days time. So just a short hotel stay.
That turned out to actually take over 3 weeks and a $2000 hotel stay. She's on a very fixed income.
Then, after locking up her old motor home and actually cutting the water and electric hook ups, the bank decided that the motor home wasn't worth repossessing. The giant slide-out had rusted frozen after nearly 20 years in the South Texas beach weather. Also with my Mother and her husband both being legally blind, they had no idea that they were living in a roach infested, mold infested, horrible environment. They had a pretty bad roof leak. My Mom has COPD, and could barely walk from one end of the 32' motorhome, to the other.
So, this frozen up motor home that wouldn't start, and was going to cost almost $4000 to be removed from the RV park they live in, the bank decided to abandon at the RV park, leaving my Mother on the hook for removal. Mind you, the bank held the title, left the motorhome locked and unusable (no hook ups). After talking to several businesses, my Mother discovered that no one would even consider moving it without a title.
Long story longer, the bank wasn't able to get away with their despicable activities. I fully understand that the mortgage was behind some eight thousand dollars ( however, even though he had missed 8 payments, he had made 6 payments after that. Payments that the bank had accepted). And again, they were literally a few payments away from being payed off, minus the 8 back payments.
She did end up having to make rent on two lots for one month, once the new trailer was finally delivered, and the old motor home was still in the old lot space.
So, to catch up...
They found a company to haul away the motor home with a giant wrecker. This company charged the bank (the legal owner) space rent, while they started refurbishing the motor home.
The bank settled with them for lot rent and removal fees. The bank also settled with the RV park for lot space rent (2 months) which the park gave to my Mother.
The RV sales company that turned a 3 day delivery into 3 weeks has agreed to reimburse my Mother for 80% of the hotel bill, and the hook ups that they were supposed to do and didn't, which my Mom had to pay someone else to do. Also the payment on the trailer was knocked down $130 a month. They told her that to qualify for the loan, she'd need an extended warranty. Turns out that was bullshit. And she had only financed $7000, and paid cash for the other $11,000.
People really like to fuck over Senior citizens!
Today I got the news that my Mother qualified for Medicaid. This also qualified her for a helper to come in 14 hrs. a week to clean, do laundry and all the shopping. My Mother and her husband can't drive anymore. He's almost fully blind, and she's loosing her sight pretty quickly ( both have macular degeneration).
The Dr. has told her that her COPD is vastly improved (no mold or roach poop for a few months now).
And finally, South Texas has no real transit help for Seniors or handicapped individuals. The bus they paid for to get to Dr. appointments is now also covered by Medicaid. That and they qualified for Meals on Wheels (more of a logistics challenge than a financial one).
So, what was a complete pain in the ass, and absolutely despicable behavior by the bank (at least in my opinion), has now turned into a bit of a rainbow after a bad storm.
I can't thank my Cousin enough, who spent hour after hour moving, boxing, cleaning and redelivering all of the roach infested clothing and belongings. Also pairing down a ton of crap that they just didn't need.
Happy ending!
Uhm, whaaaa...?
