Brandy, the Paranoid Mortgage Customer

[taxguykarl]

No kidding, what fool uses something other than a burner for this purpose?!

[earl colby pottinger]

Phone

I think the chair of the board is going to find out why you NEVER give out your personal phone number.

[Ghel]

I learned this week that the chair of the board gave Brandy his personal cell phone number. Apparently she was lucid when they spoke. He felt like they had a good rapport. He may soon see how quickly she turns.

Brandy called me on Tuesday asking for info out of her 2018 taxes. I had her taxes, but not the info she was looking for. She needed the EIN for a company she says she started working for in 2018, but there was nothing in her taxes for that company. Knowing how she is, she probably didn't start working for them until 2019.

While we talked, she let me know that she's mailed two payments for her loan. Ok, when and how much? How much was about 2-1/2 months worth of payments. When? Well, that was more complicated. She told me the check went in the mail that morning. In Arizona. Was she living in Arizona? No, but she left the check in her boyfriend's truck, and when he got to Arizona, he found the check and mailed it for her.

No mention of the key she previously said she was going to send us.

Assuming we actually receive this check, she'll still be due for a partial payment for Dec. 1. So she'd be caught up. For a few days, anyway.

[Pixelated]

She had new shingles put on the house. Had it re-roofed. It was an empty threat to tear off the new roof.

Ah, okay. For a while there I thought had left the house roofless when she skedaddled ...

Hope Buzzard is wrong and she doesn't decide to carry through with that threat.

[Ghel]

Good point. Hopefully she'll stay in Cheeselandia and not return to damage the house.

[Buzzard]

Remember that this is the land of chemical-fueled paranoia and manic states. You just THINK it's an 'empty threat' to pull off the damn roofing. After all, it costs no money to go up there with whatever implements she thinks she can tear crap up with.

[Ghel]

She had new shingles put on the house. Had it re-roofed. It was an empty threat to tear off the new roof.

[Pixelated]

*snip*

"I'll put the carpet back in, the roof back on, ...."

She'll put the roof back on?! WTF??

[Ghel]

Brandy has been speaking with various people in our main branch, starting with Ted and another loan officer, escalating to the bank president, and most recently the chair of the board. It sounds like the chair caught her on a good day, because she promised to send a couple of payments and even send in a key to the house so we could get it listed for sale for her (as long as we don't use the realtor who's part of her conspiracy theory).

We'll see how long she remains lucid and if she actually follows through with her promises.

ETA: BM spoke with one of the local realtors about selling the house. She was the one Brandy hired this summer to sell the house. (Not sure if she's the one in Brandy's conspiracy theory.) She said she had the house sold THREE times this summer, but each time, Brandy backed out. No explanation of why.

The realtor wanted to know if the house was in a saleable condition. We don't know. She wanted to know if she could have access to the house. We haven't received the key yet. BM wanted to get an idea of how much the house would sell for, but the realtor wasn't able to say without seeing the condition inside. She also asked about drugs in the house (apparently she's aware of Brandy's reputation). BM wasn't able to say.

[Ghel]

Unfortunately, by the time I went by there yesterday, the rain had smeared all the writing. I'll just have to take my CW's word for it.

ETA: This afternoon, I got a rather disturbing and unhinged phone call from Brandy.

She's living in a hotel in Cheeselandia because of all the bullying. I also found out later from her mom that Brandy's supposedly getting therapy. Supposedly, she couldn't get into therapy in our state, so she had to go to Wisconsin.

Brandy told me that she gave the keys to some guy that she's been sleeping with. (I don't care about that part.) He's going to start remodeling. What sort? She doesn't know. When is he moving in? She doesn't know. He's traveling for work and doesn't know when he'll get back. So the house is empty right now? She hopes so!

Oh, BTW, she's selling all the appliances so she can pay the loan. How much does she expect to get? (I wanted to know how many payments it would cover.) "However much you can get for appliances in Shitland up there." How does she plan to make payments? Don't know. Is she still getting unemployment? Yeah, but she's using it all to pay for her hotel room. Her plans for the house? "I'll put the carpet back in, the roof back on, and paint it lime green like it was when I moved in. Then when you take it back from me, you can have the house the same way it was when I bought it."

I tried to explain that the bank wanted to know who was living in the house, how the payments were going to be made, and whether it was going to remain insured. But she hung up on me in the middle of that.

[EricKei]

... she's written in something like "ain't mon shit make offer" in terrible handwriting.

OK, now we need to see that. Please be so kind as post it if you're allowed to do so. Feel free to edit it as needed to remove any identifying information

[Ghel]

I'm getting a message that Brandy's new-old number is unreachable. I'm not sure if she's blocked us or if she hasn't paid the bill.

For her sake, I hope it's the former. She has a "for sale by owner" sign out in her yard. It looks like she took a couple of the stakes from the fence she was using for her dogs and used packing tape to attach signs to it. One says "moving sale" and she's written in something like "ain't mon shit make offer" in terrible handwriting. The other, just below, is the "for sale by owner" sign that has the cell number written in - the one I'm getting is unreachable.

The price she's got written on these signs seems reasonable, but I don't know why anyone would want to deal with someone who writes unhinged screeds on their for sale sign.

[Ghel]

Meth is short for Methylated amphetamines. Amphetamines are uppers. GHB is a downer, and completely different. She's spun up in her own stories. I wonder how many of the 'murder victims' in her story would be confused/amused by reports of their demise.

And by 'her stalker texting her' on a 20-minute old number... any bets on whether that was someone who knew the phone's owner from 30 minutes ago?

Yeah, the stories are so confusing. I almost laughed into the phone when she got confused on the drug names.

As for the phone number / texts thing... if she is using her old phone number on her new phone... the phone number her stalker already had for her... of COURSE he has it already! He had that number before she switched phones!

[Buzzard]

Meth is short for Methylated amphetamines. Amphetamines are uppers. GHB is a downer, and completely different. She's spun up in her own stories. I wonder how many of the 'murder victims' in her story would be confused/amused by reports of their demise.

And by 'her stalker texting her' on a 20-minute old number... any bets on whether that was someone who knew the phone's owner from 30 minutes ago?

[Ghel]

Yeah, that's pretty much how I feel, too. Drugs do terrible things to your brain, but it was her choice to start them. And even though drugs might influence how she responds to us, it's still her choice to yell and scream at us. I can't force her to do anything, but if she doesn't continue paying, she's going to lose her house. She keeps saying she can't live there any more because of her stalker, but she hasn't moved out yet.

We finally got the payment from the COVID housing assistance this week. That catches her up to October 1, so she's already 14 days past due.

So I called Brandy to give her an update. The latest number she gave us is working again. She said she's living in a neighboring state, but she doesn't have a mailing address for us yet. She's only been there a couple days, you see. Her stalker ran her out and she's staying with friends. She'll call the Main Branch with her new address once she has it for us.

She has run away to this state a few times before, but she always comes back. So I suspect she just needed a few days away and she'll be back in a week or two.

After I updated Brandy to let her know we received the COVID assistance funds and that I sent her a letter about not having enough in her escrow to pay her property taxes (which she received, so she's getting her mail again), she started rambling and ranting. This is as close to coherent as I can make it:

He wanted me to deal drugs with him. He sent someone to my house to rape me. I want to take another hair test to prove I had date rape drugs in my system. I took a piss test right in front of him and it didn't show meth, but it showed amphetamines, which is GHB. [] The first guy was murdered. The second guy was murdered. The third guy was my ex-husband, and he was run off the road and his wife was killed. Six families that I know of have been run out of town. There's satanic cults all over town. My friends saw it on the internet. They told me I need to get out of there. How many times are they going to sell the same fucking house? How long did the previous owners live in that house before they were run out? [I have no clue, Brandy.] I only had this phone 20 minutes and already my stalker was texting me. The sheriff must have given him my number. Or it's because he stole my old phone that had the same number. I agreed to spend a day with him so he would leave me alone for a few days. It's the only way I can get any peace.

Towards the end, she started into her conspiracy theory again about the bank working with her stalker (I guess) to run people out of town so they could sell the houses out from under them. I ended the call then. It's amusing to let her ramble while I can just respond "wow," but when she starts accusing me and my coworkers of things, it's time to hang up.