Showing posts with label thieves. Show all posts
Showing posts with label thieves. Show all posts

Wednesday, March 27, 2013

Wells Fargo's Typo Victim Dies in Court

Wells Fargo's Forcloses on the Wrong Home Due to a Typographical error - Victim Dies in Court 


The bank billed Larry Delassus $13,361 owed by his neighbor, then foreclosed, and sold his home while he was critically ill in the hospital.

Originally published By
LA WEEKLY

By Jessica Ogilvie Thursday, Mar 7 2013

On the morning of Dec. 19, 2012, in a Torrance courtroom, Larry Delassus' heart stopped as he watched his attorney argue his negligence and discrimination case against banking behemoth Wells Fargo.

His death came more than two years after Wells Fargo mistakenly mixed up his Hermosa Beach address with that of a neighbor in the same condo complex. The bank's typo led Wells Fargo to demand that Delassus pay $13,361.90 — two years of late property taxes the bank said it had paid on his behalf in order to keep his Wells Fargo mortgage afloat. But Delassus, a quiet man who suffered from the rare blood-clot disorder Budd-Chiari syndrome and was often hospitalized, didn't owe a penny in taxes. One of his neighbors, whose condo "parcel number" was two digits different from Delassus', owed the back taxes. In a series of painfully tragic events, Wells Fargo relied on its typographical error to double Delassus' mortgage — from $1,237.69 to $2,429.13 — as its way of recouping the $13,361.90 in taxes Delassus didn't owe. Delassus, a retiree living on a $1,655 check, couldn't meet the mysteriously increased mortgage. He stopped paying, and soon was far behind on his mortgage. Delassus and his attorney did not discover until May 2010 that a mis-entered number had dragged Delassus into this spiral. As court documents obtained by L.A. Weekly show, after admitting its error, Wells Fargo foreclosed on Delassus anyway and sold his condo. Delassus had to move to a tiny apartment in an assisted-living home in Carson.
 
Friends say he didn't die of heart disease that day in court, as the coroner found. He was, they believe, killed by a system so inhumane that it could not undo a devastating piece of red tape the system itself created. “He was very sensitive," says close friend Debbie Popovich, 59. "He was a very good person. He was kind of shy, and he had a really good sense of humor — really, he was a very simple guy who just liked to work and do his thing. “In 1995, Delassus bought condo No. 105 at 320 Hermosa Beach Ave. The building, a white-stucco affair with blue trim, on a busy road with a grassy divider, is unremarkable, but a view of the Pacific glints in through the beach-facing windows.A neighbor, who gave her name only as Kelly, says Delassus participated in the homeowners association and helped around the complex. But the Navy veteran from St. Louis often was sick from Budd-Chiari syndrome, which made simple tasks difficult and could cause mental confusion. “Larry loved his home," Kelly says. "He wanted to die in that house."Delassus got the first odd letter from Wells Fargo on Jan. 29, 2009. It informed him that Wells’ tax service provider, First American Real Estate Tax Service, "reported delinquent taxes for the property located at: 320 Hermosa Beach Avenue 105."Delassus, told that he owed taxes of $13,361.90 for 2007 and '08, was baffled. His attorney Anthony Trujillo, a friend and next-door neighbor, says Delassus was actually six months ahead on his taxes, which he paid directly to L.A. County. On March 9, 2009, according to court documents, the bank informed Delassus that it was doubling his monthly mortgage payment to $2,429.13 to recoup the $13,361.90 in taxes. “He came to me and told me what was going on" a couple of months later, Trujillo said. At that point, neither man knew that a bank typo was to blame. In December 2009, Wells Fargo notified Delassus that it intended to foreclose. Then in May 2010, Trujillo discovered the erroneous fine print in Wells Fargo's original 2009letter to Delassus — the "parcel number" off by two digits and belonging to somebody else.

In court documents later, Wells Fargo attorney Robert Bailey of Anglin, Feeling Rasmussen, Campbell & Trytten LLP admitted the bank's mistake: "Wells Fargo paid the amount it determined was owed to the County Assessor: approximately $10,500. This was a mistake. The$10,500 was the tax amount owed on a neighboring property, not Plaintiff's." (Bailey did not address the discrepancy between $13,361 and $10,500.) Bailey added: "In September, 2010 Wells Fargo acknowledged its error in paying the taxes on Plaintiff’s neighbor's property and corrected it." By then, however, Delassus was so far behind on his mortgage payments wrongly doubled by Wells Fargo that the bank refused to let him resume   his $1,237.69 installments, Trujillo says. He faced a sizable "reinstatement" cost — which is often the past due amount plus fees. In an unsettling new twist, Delassus couldn't get Wells Fargo to tell him how much his reinstatement cost was. Later, in a videotaped deposition, Trujillo asks Michael Dolan, litigation-support manager for Wells Fargo: "So Plaintiff was never provided with the reinstatement amount after the bank discovered its error, correct? “Dolan responds, "That is correct."

Delassus and Trujillo — who is a business litigator but not a mortgage attorney — could have sought help from the Consumer Financial Protection Bureau, or from the Comptroller of the Currency in Washington, D.C., says Brian Hubbard, spokesman for the comptroller's office. But neither man knew about this outside help.

On Jan. 19, 2011, Trujillo videotaped Delassus on the phone, quietly speaking to a Wells Fargo representative. (Wachovia merged with Wells Fargo in December of 2008.) "Wachovia's never sent me how much my monthly payments would be, if that includes escrow or anything, "Delassus says to the bank. "I'm kind of in the dark here. Reinstatement ... what would that be? After being transferred to another representative, Delassus says to Trujillo, "The music's gone, but nobody answers. I think we're disconnected. Shit. Hello? Hello?Bottom of Form Dial-tone. Fuckers."

Six days later, on Jan. 25, 2011, Delassus did hear, clearly, from Wells Fargo: It wanted the total payoff amount on the condo, $337,250.40. (Wells Fargo refused to comment on specifics of the case.)The huge sum was due the very next day, Trujillo says. Instead, he sued the bank on Jan. 26, claiming negligence and discrimination against a disabled person. On May 13, 2011, shortly after another bad bout of illness, Delassus' condo was sold by the bank.

In a videotaped court deposition later, Delassus breaks down crying. "I came back from the hospital, and that very day, they sold the son of a bitch," he says. "I'm homeless. I did not have a home. My condo — 16 years, gone. Gone. “At Carson Senior Assisted Living, to which Delassus moved, he became good friends with Popovich, who had lost her home as well. The duo planted flowers and trees in a small area behind the apartment, complete with a scarecrow and an ornamental owl, where they would talk late into the night. “He really thought he was gonna get his place back," Popovich says. "He thought if he told the truth, they could do something for him." Instead Delassus grew sicker and moved to Tender Live-in Care in Torrance, owned by Michelle Rogers. Rogers was in court last December when Delassus, listening to Trujillo arguing his case, slumped over and later died. "It was the most shocking thing I've been through in a long time," she said.


 
The night before, L.A. County Superior Court Judge Laura Ellison had indicated that she intended to side with Wells Fargo in a summary judgment.

Delassus had been very sick, and his speech was slurred — his illness, acting up. But he wanted his day in court, especially since the judge was considering a guardianship request. Instead, as his attorney spoke, somebody yelled, “Call 911!" His friends and neighbors believe his war with Wells Fargo killed Larry Delassus. Says Trujillo, “The stress just completely messed him up. Once you get in that state, this world is tough on you. “In a statement, Wells Fargo spokeswoman Vickee J. Adams expressed sympathy over his death. However, she added that, in light of Judge Ellison's indication that she planned to rule for Wells Fargo, "Given that there was no testimony or evidence to be presented at the hearing, there was no reason for Mr. Delassus to attend, and it is truly unfortunate that he was brought there."

This is the fight of our professional careers. Are You In or Out?

What's taking so long? This is the fight of our professional careers. Are You In or Out? "Hell has a special level for those who sit by idly during times of great crisis."
Robert Kennedy

The Art of SETTING LIMITS, Its not as easy as it looks.

Art of Setting Limits Setting limits is one of the most powerful tools that professionals have to promote positive behavior change for their clients, students, residents, patients, etc. Knowing there are limits on their behavior helps the individuals in your charge to feel safe. It also helps them learn to make appropriate choices.


There are many ways to go about setting limits, but staff members who use these techniques must keep three things in mind:
Setting a limit is not the same as issuing an ultimatum.
Limits aren’t threats—If you don’t attend group, your weekend privileges will be suspended.

Limits offer choices with consequences—If you attend group and follow the other steps in your plan, you’ll be able to attend all of the special activities this weekend. If you don’t attend group, then you’ll have to stay behind. It’s your decision.
The purpose of limits is to teach, not to punish.
Through limits, people begin to understand that their actions, positive or negative, result in predictable consequences. By giving such choices and consequences, staff members provide a structure for good decision making.
Setting limits is more about listening than talking.
Taking the time to really listen to those in your charge will help you better understand their thoughts and feelings. By listening, you will learn more about what’s important to them, and that will help you set more meaningful limits.
Download The Art of Setting Limits

SYSTEMATIC USE OF CHILD LABOR


CHILD DOMESTIC HELP
by Amanda Kloer

Published February 21, 2010 @ 09:00AM PT
category: Child Labor
Wanted: Domestic worker. Must be willing to cook, clean, work with garbage, and do all other chores as assigned. No contract available, payment based on employer's mood or current financial situation. No days off. Violence, rape, and sexual harassment may be part of the job.

Would you take that job? No way. But for thousands of child domestic workers in Indonesia, this ad doesn't just describe their job, it describes their life.

A recent CARE International survey of over 200 child domestic workers in Indonesia found that 90% of them didn't have a contract with their employer, and thus no way to legally guarantee them a fair wage (or any wage at all) for their work. 65% of them had never had a day off in their whole employment, and 12% had experienced violence. Child domestic workers remain one of the most vulnerable populations to human trafficking and exploitation. And while work and life may look a little grim for the kids who answered CARE's survey, it's likely that the most abused and exploited domestic workers didn't even have the opportunity to take the survey.

In part, child domestic workers have it so much harder than adults because the people who hire children are more likely looking for someone easy to exploit. Think about it -- if you wanted to hire a domestic worker, wouldn't you choose an adult with a stronger body and more life experience to lift and haul and cook than a kid? If you could get them both for the same price, of course you would. But what if the kid was cheaper, free even, because you knew she wouldn't try and leave if you stopped paying her. Or even if you threatened her with death.



Congress Aims to Improve Laws for Runaway, Prostituted Kids

by Amanda Kloer

categories: Child Prostitution, Pimping

Published February 20, 2010 @ 09:00AM PT

The prospects for healthcare reform may be chillier than DC weather, but Democrats in the House and Senate are turning their attention to another warmer but still significant national issue: the increasing number of runaway and throwaway youth who are being forced into prostitution. In response to the growing concerns that desperate, runaway teens will be forced into prostitution in a sluggish economy, Congress is pushing several bills to improve how runaway kids are tracked by the police, fund crucial social services, and prevent teens from being caught in sex trafficking. Here's the gist of what the new legislation is trying to accomplish:

Shelter: Lack of shelter is one of the biggest vulnerabilities of runaway and homeless youth. Pimps will often use an offer of shelter as an entree to a relationship with a child or a straight up trade for sex. In the past couple years, at least 10 states have made legislative efforts to increase the number of shelters, extend shelter options, and change state reporting requirements so that youth shelters have enough time to win trust and provide services before they need to report the runaways to the police. Much of the new federal legislation would make similar increases in the availability and flexibility of shelter options.

Police Reporting: Right now, police are supposed to enter all missing persons into the National Crime Information Center (NCIC) database within two hours of receiving the case. In reality, that reporting doesn't always get done, making it almost impossible for law enforcement to search for missing kids across districts. This hole is a big problem in finding child prostitution victims and their pimps, since pimps will often transport girls from state to state. The new bill would strengthen reporting requirements, as well as facilitate communication between the National Center for Missing and Exploited Children and the National Runaway Switchboard

We Must Never Forget These Soldiers, Sailors and Airmen and Women

We Must Never Forget These Soldiers, Sailors and Airmen and Women
Nor the Fool Politicians that used so many American GIs' lives as fodder for the fight over an english noun - "Communism"