Brandy, the Paranoid Mortgage Customer

[taxguykarl]

Is there still a moratorium on evictions in your neck of the woods, Ghel? Our excuse for a governor is talking about extending it My parents were right to unload their rental property when they did.

[Buzzard]

Actually pay her debts? But how would she get her chemical recreation if she spent all her money on paying her debts?

Yeah, it never gets better until they put it together enough to want to change. She's happily spinning away, and the money isn't going to happen unless she's forced to cough up.
It's likely in the bank's best interest to keep to the limit of the agreement and not give any extra lenience. Without constant pressure, there's no reason to pay up, so any money will go... somewhere. As to what could be recovered on forclosure... I really don't want to investigate. Meth makes for some really strange habits, and a whole lot of things disassembled for 'reasons', that never get put back together right. Just hope that she doesn't get the bright idea that the walls have copper wiring that could be sold for a quick buck.

[Kagato]

Sounds to me like she was trying to chain-play sympathy cards in an attempt to get you/the bank off her case. Looks to me like she has burned through all her chances though.

[Ghel]

Brandy promised to make a payment yesterday when I talked with her. She didn't make the payment. And she didn't answer the phone yesterday afternoon when I tried to call her to "remind" her.

I mentioned to a CW the name Brandy gave me for her stalker. She said she knows who he is. Not by name, but by his nickname - "Fly."

I got hold of Brandy this morning. She went on this tirade about how her stalker is sending her threatening texts (she just got a new phone - how did he get the number?) and she's going to have to spend her mortgage payment on taking out a restraining order against him. (I thought she already had one? Maybe it was only temporary?) I told her she needed to make her mortgage payment. She said there wasn't any point when she was going to have to move out of her house because of her stalker. I insisted she make her payment. "Then you're going to have to call the police and tell them I can't afford a restraining order!" <click>

She effing hung up on me!

We have a pre-foreclosure collection letter out that expires at the end of the month. Sounds like we'll be pursuing foreclosure when that expires.

[Ghel]

Yeah, definitely.

I forgot to mention... before I got hold of Brandy's mom, the Branch Manager and I visited Brandy's house to try to talk with her. There was no answer at the door, but we made an interesting observation that is further evidence of her paranoia. On one corner of the house, Brandy has installed 3(!) cameras, one pointing along the side of the house, one pointing down the front (towards the front door), and one pointing out toward the street. She also had a motion light set up above the garage door.

There was a dog lead by the front steps and dog toys in the yard, but no dog barking when we knocked. Either her dog is really laid back or she doesn't have a dog any more.

Also no car in the driveway. She must have gotten rid of the truck and motorcycle that don't run any more and parked her new car in the garage. Hmm...

ETA:

OMG, there's always some drama with this customer. She didn't make the payment she promised, so I called her this morning. She didn't answer and no voicemail. No surprise there. I was surprised when she actually called me back. She said she was on the phone with the police about her stalker when I called, which is why she didn't answer. She mentioned a name, which is the first time she's told me the surname of her stalker. It's a surname I recognize - there's at least 3 men in town with that last name that it could be, but I didn't press for a first name. She said she's filed at the state and federal level regarding her stalker. He's threatened to burn down her house. She said it might be better for her to sell her house and move. I'm sympathetic, but it strains credibility.

I found it amusing that she complained about the "druggies" in the area at the end of the call. I had to bite my tongue.

[EricKei]

Remind her not to consume whatever "product" she's supposed to be selling.

[Ghel]

Pretty much a non-update update. Brandy left me a voicemail on the 6th saying that she would be in that Tuesday or Wednesday to make at least 2 payments (which would have covered her July and August payments). She started to leave me her phone number, but since she changed it again, she couldn't remember what it was. She said she'd call back with the number, but unsurprisingly she never did. And she didn't show up to make the payments.

Today I managed to get hold of Brandy's mom (my googlefu is strong), who gave me Brandy's new number. Which Brandy actually answered! She made some excuse about having an emergency (she didn't actually say what it was, but I suspect drugs). Now she says she'll bring in one payment tomorrow and another next week. We'll see if that materializes.

She is now planning to either rent out her house or sell it contract for deed. We don't really care much as long as the loan is current and there's insurance on the place. I asked her where she would be living if she does this, since we'll need a current address. She doesn't know.

I'm still not sure where she's getting money. She didn't say anything about being back to work. She was mumbling and slurring her words. More than usual.

[Ghel]

Yeah, probably true.

[taxguykarl]

My boss and I were discussing whether to visit her house since she isn't responding to letters, either.

You'll probably find the place in the same shape as the squatter's digs

[Ghel]

Yeah, that's what I'm worried about. She made a couple of payments, but now she's past due again. Her phone isn't accepting calls. No surprise there. She probably got another burner phone and "forgot" to tell us about it again.

My boss and I were discussing whether to visit her house since she isn't responding to letters, either.

[Kittish]

In the meantime, she's decided not to open the savings account with us. She's going to hold onto the funds until she decides whether she needs them for a down payment on the new house she wants to buy.

Translation: She's broke. Again. Probably spent it all on drugs. Again.

[Ghel]

Unsurprisingly, Brandy did not show up on Friday. Nor did she return my voicemails.

ETA: I managed to get hold of Brandy today, Thursday. She seemed manic when I spoke to her. Claimed she'd been out of state. She saw that she had voicemails, but didn't know how to listen to them because she's never had an iphone before. I have an iphone, and I know how easy it is to check your voicemail. Silly me, I tried to explain to her that you just tap on the phone icon with the red number in the corner of it. She said I'll have to show her when she comes in tomorrow.

Brandy definitely told me she'd be in last Friday, but now she's saying she'll come in tomorrow Friday. After she meets with a financial advisor. Which she definitely needs.

She's once again talking about buying a different house (this is about the 3rd time in 2 years) and renting out her current house. Or selling it. She asked for my advice on this. I said it depends on the whole situation - whether the rent will cover both mortgages, insurance, and property taxes. Also, the insurance will be more expensive on the rental property. I told her it's something she should discuss with the financial advisor, since she's already got an appointment with them.

This is actually something that Brandy tries to do every few months - buy another house to move into in the hopes she can rent out her current house. Or sell her current house, depending on her mood, I guess. A few months back, she put a bid in on the house across the street from her, which was a foreclosure property. She didn't get the bid, and then told me another of her conspiracy theories (which I'd forgotten about until this morning). She claimed that her stalker and another guy had harassed the neighbor until they couldn't stand it any more and moved out. Since the neighbor couldn't afford to pay two mortgages, the house got foreclosed. And the harassers were in cahoots with a local realtor, who got the contract to sell the foreclosed house. And a friend of the realtor's won the bid on the house to "flip" it. They were all in on it together, you see.

In the meantime, she's decided not to open the savings account with us. She's going to hold onto the funds until she decides whether she needs them for a down payment on the new house she wants to buy. She assured me she will be in tomorrow to make her 2 past due payments. She seemed to think that because the house is in the county, she wouldn't have to make a down payment, but I disabused her of that notion. Minimum 10% down plus closing costs. Which, again, if she's got enough for that, she should be able to pay her current mortgage.

She also asked if we'd be able to finance the purchase of a new house for her. Although internally I was saying "no effing way," I asked her if she had any late payments besides her mortgage with us. Yes, practically all her bills. And any income? She's supposed to get her unemployment extended. Well, it will be difficult, but we can look at it. (We can't legally turn someone down for a loan without actually taking an application.)

[taxguykarl]

Meth does strange things to the mind. Paranoia is really freaking common, especially when one has been awake for far longer than humans are meant to be.

This could explain the payment issues--drugs in general are not cheap vices. They change priorities to feeding their vices with breathing a distant second. Every two nickels they gain to rub together get spent on their dope.

If one isn't a fellow dru... connoisseur of chemical recreation, then it's quite likely that her 'stalkers' are indeed anti-stalkers... or want to collect money that she owes.

If her stalkers are drug creditors, I would be paranoid

[Buzzard]

Meth does strange things to the mind. Paranoia is really freaking common, especially when one has been awake for far longer than humans are meant to be. The flighty patterns are something else that I've seen plenty of.

If one isn't a fellow dru... connoisseur of chemical recreation, then it's quite likely that her 'stalkers' are indeed anti-stalkers... or want to collect money that she owes.

The truck not running... one of the pastimes of the spun out tweaker is to look at things and try to figure them out and... forget how they go back together. Sometimes they'll completely rewire something that worked just fine, with random lengths and quality of wire they've found elsewhere and spliced. I'm not sure that I'd want to try to figure out what was done to the poor truck, for fear of what I'd find (and the risk of tearing out what hair I have left)

I've heard that a great way to keep one of those in the manic high... busy/out of trouble/out of your hair, is to give them a box of jumbled extension cords. The more tangled, the better. They won't actually get them untangled, but they'll be so busy screwing with the cords that they'll forget about the world around them. (Anecdotal reference from a guy I know, who has way too much knowledge on the subject)

[earl colby pottinger]

Boyfriends

I bet if they are in the area they are looking for her, they are looking to make sure they AVOID her. They are not stalking her, they are anti-stalking her.

Because of work or family they have to be in the area, but the last thing they want is to interact with this unstable woman.