Relocation Management~ FINALLY took care of business!

[Cheryl Marchek AKA JM]

OMG this has been a nightmare month! It's been a nightmare several months! But they finally fixed it and I'm just so happy they FINALLY did their jobs I gotta tell everyone how great it feels to NO LONGER owe $465 THOUSAND dollars on an uninsured house, in the So Cal fire line that I DON'T OWN!

This is very long...........but if you ever consider selling a house with a property relocation comany keep reading......

Everyone knows I've been trying to sell my house in market depressed Southern California so I could move to Alabama. Well......my husbands work offered a great program if I sold through them~ they would pay my closing costs on both ends and "protect" me during the sale process. When I got a buyer~ rather than selling to my buyer I was to sell to SIRVA the property relocation firm that was co-ordinating this all. Then SIRVA would sell to my buyer~ this is to "protect" ME in case the buyer backs out of the sale during escrow. Sounds great. Who wouldn't want to do that? They pay my closing costs and protect me in case my buyer falls out so I can still move...........

You see it coming don't you?
Your smarter than me......
I didn't see it coming.

So~ the market is severely depressed~
I wasn't finding a buyer. So I began the "Buy out" process offered. I get a lot less for the house than a buyer would give.....but I get out from under it. Part of this "buy out" they send out a "inspector". Couple days after the inspector comes out (before the report does) I finally get a buyer! Woo Hoo!~for a LOT less than the exact same house sold for across the street last December.....but I have a buyer! So~ drop out of the "Buy out" and sell to SIRVA so they can sell to my buyer.

SIRVA would not give my buyer the home inspection they did.
Well.....they have too. Ca is a full disclosure state. An inspection was done.....my buyer gets a copy of the report. Finally~ they release and we find out WHY they didn't want to release it. Their inspector was a ringer trying to exclude our house from the buy out option by saying we needed to have a structural engineer inspect the "modifications".......there were no modifications.....thats how the house was built, coded and passed originally. Cost me $2500 to make my buyer feel comfortable that the house was not about to fall down around his ears and continue.

Okay.....so they screwed up and cost me $2500.....at least I have a buyer. I'm done with So Cal. I'm out.

You see it's not done right?
Your smarter than me........I didn't see it coming.

My buyer HAS to close by Sept 21st. He has a loan that will expire and he can not get as good a one again. MUST close by Sept 21. SIRVA KNOWS this. They are protecting ME by buying the house and then selling to my buyer right? Well......they refuse to close with me until Sept 20 .........uuummm....how does that protect ME from the buyer dropping out? The buyer wants to close on Sept 21. But my buyer is good....and there really is nothing I can do about it.....so fine.

BUT........
You saw it didn't you?

SIRVA messes up the paperwork and can't close with my buyer on 9-21. Oh.....well. Too bad for SIRVA~ they have to take the house into inventory cuz they were SO WORRIED about making sure there was no time for the buyer to drop out they lost his loan for him (I do feel bad for that guy too). I get my payoff......the closing statement showing they paid my two mortgages, the county taxes and the check for my share of the equity on the house.

I'm happy. I cancel the insurance on the CA house and wait for my impounds from the mortgage company.
I'm done..........

No I'm not.

Oct 1st. $2385.25 is drawn from my checking account for the first mortgage.
WHAT! I don't owe that money! That mortgage is paid off and SIRVA owns that house!!!!!

Well.......close.
SIRVA owns the house. I still own the debt. Both mortgages. A total of $465 THOUSAND dollars I owe on a house I don't own....that is uninsured.....and right in the fire line in Southern California. (Thank God it didn't burn......but I think I have new ulcers)

For the last month I've been running up the management chain in SIRVA trying to get those houses paid for. My credit may take a hit because the second mortgage was paid late. The HOA was outraged that for the first time in the 5 years I owned there I did not pay my dues (NOT MY HOUSE!). $2385 disappeared from my checking account and I was during the "rob peter to pay paul" dance to pay the bills on my new place.....because who can afford to have $2385 disappear from their checking account and still pay their bills that month!?!?

I was going to call a Lawyer on Nov 1st.

I called today....
The mortgages are paid off!
My money is in the mail~ I already got $1800 of it FedEx today.
I'm just so happy......
Someone did their job.....
finally
and I can pay my bills.

Woo Hoo!

 

[Wilomn]

Yay Cheryl.

You have surely been put through the ringer.

Now when all your hets produce visuals this year you can look back and say, "it was worth it," or "damn them all to the deepest pits of purgatory, nothing is worth the crap they've put me through and isn't this the cutest little pied baby you've ever seen....itty bitty cutsie woogums."

 

[BryonsBoas]

Congrats Cheryl. I'm sure thats a load off your shoulders.






Ready to do it again?

 

[Stardust]

Congrats Cheryl.
I keep reading your posts thinking that I am about to make the same move, going similiar paths and it is good to read some happy endings, although the middle parts are scaring the hell out of me, lol.

Glad to see you can finally rest easy.

 

[shrap]

....and you didnt shoot anyone!!! Well done!!

Congrats!

 

[Cheryl Marchek AKA JM]

....and you didnt shoot anyone!!! Well done!!

Congrats!

I don't own a gun......
YET
Thats on the list of items I would have bought by now......if I had any money in my checking acount!

Stardust~ where you moving? You going to do a corporate move too?

 

[Stardust]

After much state hopping I have settled on Illinois. Since I grew up there it is more familiar to me and my opportunities are good there.
I will not be doing a corproate move but I will be carrying two mortgages until my house in MI sells or I decide something else to do with it.
Leaving my comfort zone is a very hard thing to do but setting myself up with more to pay makes that weight more heavy. I do well under pressure and I most certainly do not want to lose my ass in this so I am optimistic this will all turn out the way I am planning.

Now in theory that sounded great, lol, still scared!

 

[Cheryl Marchek AKA JM]

Good luck!
It will all work out in the end.....it's getting to the end that is so scary. I planned this move for a couple years before we actually did it. I don't know that I would have had the nerve to do it without the corporation pushing and helping. As frustrating as this whole thing has been.......the corporation did arrange and pay for packers to come to my house~ pack me out~ move me into the new house~ pay the closing costs on the sale and purchase of the new house~ and when all is said and done.....they did buy my old house in a severely depressed market where selling is next to impossible (there were 5 forclosures on my street alone.....and I doubt that SIRVA will recoup what they paid for my house in selling it now the market has dropped so much more just in the last two months).

Your a braver woman than me Rozann. I don't think I would have worked up the nerve to do it without the help.......heck.....I may have even tried to back out when it got so difficult with this move......but Scott had already accepted the job transfer and it was go through with it or lose the house anyway if Scott lost his job due to waffeling around.

Good Luck Rozann!
It will all work out in the end!

 

[Stardust]

Thank you Cheryl.

If you felt my insides you may not think I am that brave. I do have a great support system of family and friends that help me stand and keep me putting one foot in front of the other. Without that I am not to sure I wouldn't crumble.
With a house that is now over 2/3 paid off one would think I am in a place that is good, instead I decide that this is not the place for me, go figure!
You did well, you kept above water even when it sometimes feel like you are sinking with no end in sight, the credit is there for the taking, take it
Glad you made it through and saw it to the end result, which is what you wanted and a happy place.