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Feels Like I am Going Backwards


Punch1021

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I am sitting here at work as I do every day, kind of pretending that I know what I am doing. I know what I need to do, I just don't want to do it. I feel like my life is going backwards and not making any progress at all. It some ways it has, but in other ways it' hasn't. My home is falling apart. Literally. I am living at a condo where we are broke and the building I stay in needs a new roof. In fact all of our buildings either need a new roof or repairs. When it rains I have to have numerous buckets down to catch the water. I have holes in almost every room in my home. The ceiling fell down in my living room and it fell on my son's grandfather's foot. When I was told about it, I wanted to say what do you want me to do. I don't mean to be heartless, but there is no secret about how bad my roof is in my building. My ex has known about my ceiling and the issues that I have had with my condo association. I had the same issue when we were living together as a couple. This is one reason why I didn't want our son staying over. My home is a health hazard.

 

Due to bad management I am in a situation to where I will not have a home, yet I will still be paying for it. Between our management company(past and current) and condo association the condo fee's from delinquent owners were not followed up on. I still pay my fees because we still need lights, gas and water. That's all we can pay for with the owners who are paying their fees. But we can't even cover all of our utility bills. If I stop I know nothing will happen to me but that doesn't make it right. If I try to sell my home (and that's a BIG if), I might have a lien on my property because we owe a huge water bill. Instead of tying it to one person, the water company can place it on all the owners. We had an owner say he would talk to a council member to see if we can get funds from the city for repairs. He asked if their were other owners who wold help in writing up a letter for the fund. I gave him all of my information and haven't heard from him if he has met with the council member.

 

So my mind is filled with what am I going to do? I had so much drama into buying my home all for me to be in jeopardy of losing it. A few years ago I received a letter about my original mortgage company being sued for having higher interest rates for minorities despite having good credit ratings. The news talked about Bank of America being sued about this same issue, but there were other mortgage companies that were doing this as well. Silly me at that time of looking for a mortgage thought it was because I didn't have a big down payment. I was told I could refinance in a couple of years after I bought my home. Then the housing bust came in. I tried HARP. I was denied because of the value of the other condo's near me were not that high. I tried getting a loan modification but was told my mortgage was affordable and that my condo fee's is what's killing me. :pullhair: I am done with being a grown up and having a home. If I can help it I vow to never live in a condo again.

 

If my home situation was MUCH better, then an I can deal with the "wonderful" relationship I have with my ex and our son. I will not put all of my issues out their, but communication goes a long way. Especially, when it comes to co-parenting and expectations. Then there is a thing called respect and appreciation. But I guess the other parent needs to acknowledge me as being a parent as well. But all that is for another blog I might write one day.

 

But despite all this, I will still press on and keep praying for a change.

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Wish I knew what your legal system is like so I could suggest where you wold go to get some help.  It seems as if the laws on the body corporate have no teeth if some people can get away with not paying their share to keep the property in repair.  Hope you can find a way to get a new roof soon.

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