THIS SUCKS ! I think we're going to have to move

[Baja Margie]

back to below Ensenada. Oh brother, okay here's the story. Five years ago we left our home in Punta Banda because of the OUTRAGEOUS drug activity down there.It took us a year almost to find this place. The owners couldn't sell it, so we gave them a down and had an agreement that the monthly payments were going to buy the house. Meanwhile, finally, we rented out the PB place. Which was beautiful after working on it for four years.

We have been steadily working on this place, I mean, we have put ALOT of money into it. ALOT of $$$ and alot of hard work. Yesterday, they sent me an e-mail saying they want the balance within a year.

This is so fucked up, the only way I'm going to be able to come up with a balance is if I sell the PB place. And, nothing is selling down here.Plus, I have people in my house.

Our last project was painting the interior here. So far we've invested about $600.00 towards that.Just two months ago, we had the PB outside painted and that ran over 1K, but we wanted everything nice for the new people. Mike was going to take a week's leave next week so that we could finish the painting before Christmas.We decided, okay, fuck this. He can't return the paint because it was tinted. We decided to just fuck it all and not continue painting.

We have invested so much here, but I know this, when I leave I'm taking the 3 ceiling fans, 2 airconditioners,chandeliers, faucets, replaced water pipes and gas lines, shower heads, towel racks, security door, security lights, doorbell, electrical wiring, linen closet doors Mike made (6 of them), hose outlets, brick on wall, stucco, drywall, graffiti the fucking outside wall I primed and painted, pour crap all over the patio which we sanded down and leveled and painted, graffiti everything I've painted, and pour fucking cement down the fucking toilets. Oh, also the front gate. AND smash the enclosure Mike built for the propane tank, plus all cupboards and shelves he made for the garage. And the screens we put up, and the shades we put up.

If I think of anything else, I'll let you know.

Sorry, but I AM PISSED OFF.

I forgot the roses, and the landscaping, I'm taking that too, before it was just DIRT and I made a beautiful rose garden. Goddamnit.

[Midlodemocrat]

1. Was the agreement legal, as in written up by a lawyer?

[Baja Margie]

3. Nothing is LEGAL down here.

[lectrobyte]

2. Sorry you are pissed off. Owner financing can be a bitch -- can

you check into getting a loan and buying the place b4 you do all the damage. I've heard raw chicken parts inside the walls behind electrical outlets is not a good thing to do. But seriously, if you have any contract or anything written, take a deep breath, read 'em and see what if any outs you may have. Good luck.

[cornermouse]

4. Just don't forget that there is a fine line between

removing that which is yours and something that could be called vandalism in court. And its always possible that when you tell them that you can't get the money within the year, they'll reconsider their demand.

[TaleWgnDg]

5. Run, do not walk, to your lawyer . . . and dump this on his/her

lap b4 doing another thing, PERIOD. That's P-E-R-I-O-D!!

And if you don't have a lawyer, get one IMMEDIATELY. That's I-M-M-E-D-I-A-T-E-L-Y!!


edited to include yellow highlighter . . . DU is no place to seek legal advice!!!




.

[cornermouse]

13. Where did you see legal advice in what was said?

[DS1]

6. Now, I may have only taken a High School law class, and

passed it with a D just because I think my teacher wanted me to actually graduate so I could march off to war - but, a verbal contract while not as powerful as a written contract isn't as weak as you'd imagine, and if you have receipts of some other proof of monthly payments made which establishes a pattern, a Judge just might tell the other party to go F themselves in court.

Grain of salt here > <

[Baja Margie]

7. You guys,

This is MEXICO, we have no rights here.

Oh, the furnace, the fucking furnace and the pila pump, jeez, forgot about that.

[DS1]

8. Oh, I saw the town names and thought California

Shit.

[nothingshocksmeanymore]

11. You are right. I am surprised that you didn't get screwed on the

Punta Banda place with all that was going on with land rights and the scam on that property a few years back. Where is your current place? What town?

[Bjornsdotter]

9. May I suggest...

Raw shrimp shells inside the curtain rods....they will cause a foul stench that is very hard to locate. :evilgrin:

Cheers,
Kim :toast:

[GOPisEvil]

10. Do you have enough to make a larger bribe than the owner?

:evilgrin:

Edit - I wish you well, though.

[nothingshocksmeanymore]

12. One other thing..a year is a long time..don't panic

[DS1]

15. and to follow up on that

and to not sound mean or anything

pay off the local cops and run a gambling operation in the house to pay off the balance. It's Mexico you say, with no rules...

[faithnotgreed]

16. marjorie - what nsma said here is what i thought too

of course major venting (and some real panic) happens when you find out things like this. but im sure there are options to explore as well before the owners have to have the house razed!

[CarbonDate]

14. Good call

Trash the place and then come back up to the states (I'm assuming you're from the states, sorry if that's not the case).

[SheilaT]

17. I'm appalled at all the people

who suggest vandalism. Shame on all of you.

I'm truly sorry that you've put so much in and looks like you'll have to move, but why are you so surprised? It's not such a bright idea to put in all that stuff in a place you don't even own, no matter what your expectations were.

Out of curiosity, why do you say the owners couldn't sell it? Is there some kind of legal impediment to selling to Americans?

And before you decide to vandalize this place, think real hard about the karma you'd build up from it. And how you'd feel if your tenants did the same thing.

Next time, buy legally. Or simply rent and put in minimal improvements.

Why exactly do the owners suddenly want the money?

I suppose you've been trying to sell the PB place?

[apple_ridge]

18. You left due to OUTRAGEOUS drug activity and then started off

by giving the owner a "down".

Hmmm....

[Baja Margie]

19. Wait a minute

To answer a few questions: No, our house was not located on the spit where all the Americans lost their homes, our house there is located at La Joya, it is not a fideocomiso. Noone is buying down there now because of what happened on the spit.

Yes, there was extreme drug activity, entire surf breaks closed off, and it was extremely dangerous. Remember, my husband is a Fed.

Okay, now as far as Karma goes, fuck it. I have poured thousands and thousands of dollars into this place, and these things are fucking mine. If I go, they go with me. Plus I'm out close to $35,000.00 in down and payments.( And about $7000 in renovation)

We also thought these people were "okay". This is a fideocomiso, and is legal. They are Americans, duh.

I think if any of you poured your heart and soul into a place and were getting screwed, you would feel the same way.

And what's this shit about getting legal advise ? I didn't ask anyone here for legal advise, and I have seen tons of posts from people having personal problems. So, I'm not allowed that luxury ?

Well, fine, fuck you too.

By the way Sheila, expectations were from a written and oral DEAl, not something that I pulled out of the fucking sky. This was a legal deal, they broke it and the chances for fair judgement is pretty fucking SLIGHT, even though we are FM3's. So fuck them. Shame on you for making misjudgements and handing out bullshit advise and information.Do you think I'm that fucking STUPID to renovate a place I was just RENTING??? Nevermind, just forget it Sheila.

[SheilaT]

20. Then if you had a legal deal,

can't you work within the legal system and get the deal enforced?

[Baja Margie]

21. Jeez SHEILA

It's NOT IF, we infact DID have a "binding'" agreement. You CAN only sign a legal agreement down here if you are an American with FM3 status. There is NO legal system here Sheila, it's who can be paid off for the highest price. I don't have that kind of money.


Jeez, I'm sorry I even brought the fucking subject up.

[SheilaT]

22. Okay, I get it now.

You had a legal agreement, only it's as unenforceable as if you didn't have one in the first place.

I'm sorry you got so thoroughly screwed over, I hope you have a jolly time destroying all your hard work, and I hope you get repaid in kind some day.

[Baja Margie]

24. What's that supposed to mean

You hope I get repaid in kind some day....


On second thought Shirley, let's just let it go, your stream of consiousness just doesn't work in this instance.


Gee, I guess you weren't one of the people who glued the locks on the Mervyn's and the stores in the Mall for Black Friday.


Just worry about your own fucking Karma, and let it go, OKAY? I'm pretty pissed off right now, and I don't need a little guardian angel in a bubble world with a magic fucking wand, OKAY? Thanks, but NO THANKS.


Yes, Shirley, if it comes to that, I will derive great pleasure out of destroying what we've created, worked and paid for. You think I'm going to fucking walk and let someone else enjoy it?? Man, give me a break sweetheart, that ain't gonna happen. Take Toto, and just stay in Kansas. OKAY ???

[SheilaT]

25. Actually, no, I didn't

go shopping the day after Thanksgiving. Not that much of a shopper, sorry to burst your bubble.

Listen, I'm not at all concerned about your karma, but I am astonished at the amount of anger and hostility you're throwing at me. I'd say you're so pissed off because you really do understand you blew it big time, thinking you had a legal agreement when you didn't really have one.

Too bad, Maggie. You made some pretty crappy decisions, and now you want lots of sympathy. You'll have to get it from someone else.

[gmoney]

23. Get a mortgage on the new place?

You've already put a down payment on it, so you should have some equity, right? Mortgage lenders are REALLY hungry right now, so you should be able to get them to bend to help you out.

Maybe you can do the old 80/20 financing... get an appraisal on what it's worth, and offer the current owner 80% of that amount, with what you've paid so far covering the remaining 20%. If he doesn't agree to that, ask him to finance the remaining balance, or just have the bank finance the whole thing... you'll have to pay PMA insurance until you get up to 20% equity, but that's not a big deal.

The owner wants to sell, and doesn't want you to move out, and doesn't want to deal with finding a new buyer. Try working with the owner before you get confrontational and start dragging lawyers into it.

If you're low income, you might even be able to get some assistance on the loan...

Check your Sunday paper's real estate section for mortgage bankers in the area, get an idea of comparables in the neighborhood, and call a few mortgage bankers Monday morning.

In the meantime, see if your current renters on the other place are interested in buying you out. Maybe your mortgage guy can be more aggressive if he can get TWO loans out of the deal.