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BANK OWNED HOUSE SOLD---BUYER DID NOT KNOW IT HAD A DEAD BODY IN IT, WHICH WAS PADLOCKED IN A ROOM!! DIDN’T THE BANK KNOW??
MAJOR NETWORKS IGNORE THE STORY!! IT WAS REPORTED TO NEW YORK TIMES, BUT HOUSE BUYER NEVER HEARD BACK.
Original Letter to NYT: I just wanted to make people aware of what the foreclosure "business" is really about and what lengths they will go to move property. We just purchased a property in Mount Pleasant, SC, from HSBCII on December 31, 2013, whom was either the servicer or holder of the note, for an 88 year old relative who is in our care. After driving to the property to inspect the older home on January 09, 2014, which was in disrepair and allegedly inspected and secured by a property management company, we found a decomposing, deceased male, lying on a mattress in one of the bedrooms, with the door closed. Preliminary estimates of death were between 3-4 weeks (late November, early December 2013) The locks were changed from the original and the back door was padlocked, by the property management company, allegedly working for HSBCII. There were NO signs of forced entry, nor did the deceased have a key or any relation to the original owner. The Charleston County PD is still investigating the possibility of a dubious death. At this time, we cannot blindly accuse the property management or bank of any wrong-doing; however, it appears the ONE interior door "may" have been closed to hinder the smell of decomposition, to enable the property to be sold. This is a strong accusation and comes after narrowing the time line of death (which must be confirmed from the Coroner) and the entry of parties responsible for inspecting and securing the property. At this point substantial evidence exists for a party locking either a medically challenged or already deceased male into or on the premises, while not doing a walk-through inspection. And, the possibility does exist, given the time frame, someone "may" have intentionally covered up the existence of the body/party and the undeniable smell of death.
In the process of this purchase they NEVER disclosed the existence of the a permanently attached home, but a mobile home. They stated "they did not possess title" to the mobile and upon further investigation, the mobile was sold to a private party at a tax sale; however, they did go ahead and evict the party living in the mobile home (the son of the original owner, whom was in a nursing home), even though they did not own the "personal property" (Mobile home is considered personal property)....and again, did not hold title (affidavits available)... The realtor, Janis St. Onge of Keller Williams, SC, did in fact, mention to the selling broker Mackenzie Crabtree, multiple times the existence of a/the home on the property and to this day and upon closing, the house was NEVER mentioned in the final closing documents. And, a minimal, cursory search by the banks attorney of the plat map would have yielded the information. Then to further lend to the questionable actions of HSBCII, we have the same lock boxes on both the mobile home and the house, with property management stickers, with an 800 number on them. The $64,000 question is: how could the bank not acknowledge the existence of the house, when the property management, working on behalf of HSBCII, did secure both the mobile home and the house? Then too, how could an ailing or deceased person close the "one" door on himself and padlock himself on the property? Where is this acceptable, persons delegated and compensated to secure and inspect the premises not properly perform their duties and/or relay the situation to their superiors...or in fact did they? Many questions exist and the overall banking behavior has been diminished and frankly, covered up. We have inherited the problem of lies and deception and now hold title to a property that is tainted, stained. The cost of this is the inability to resell, rent and or demolish the house at our cost, where we intended to reside and feel "eerily" uncomfortable at this point. There are thousands of victims of this flawed foreclosure process, not just from the borrower's side. We will now carry the burden of ineffective policies of the bank and damages of un-marketability, and costs associated with a final resolution and the lingering memories of the party, who was somebody’s son, then was left, unacknowledged by trusted, responsible representatives of this bank. Many can say, "they understand", frankly, NO they cannot, until you are faced with the frightening and distressing situation unfolding before your eyes. Regards,
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