UPDATE: EVERYTHING IS SO MUCH WORSE
https://www.paypal.me/alexg05
https://www.gofundme.com/losing-the-house-the-children-the-animals
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I hardly even have the energy to write this but here we go– I will restate some things again now that I have more information, and I’ll try to explain this as calmly as I can rather than how I did the very first time I found out this was happening.
THEY GAVE US LESS THAN A MONTH TO PAY $20,000.
We missed our mortgage payment in February. The mortgage is $3,200 each month, because they gave it to us for an insanely high rate. We’ve been able to keep up with it up until now but suddenly there’s been much less work and so we missed the February one.
This is the letter telling us to pay for February, plus $2,600 in “legal fees” that they added, totaling $6,000.
The payments are meant to be automatic. In March, when we did have the money, they did not take it even though they were supposed to. My dad had even messaged them telling them to take it and they would not. They did this purposefully so that they could now have “two” months of “missed” payments over us. They need three months in order to be able to evict us.
There’s $6,400 in mortgage alone, not including the February “legal fees” or any that they probably also added for March. Originally, they had first demanded that we pay these overdue payments.
THEN, they decided to add April into it. Mortgage x 3 = $9,600. Within a span of few days, they keep changing their own story. They just keep adding to it!!! You can see that the very first letter was received on April 4. The most recent letter that I will show in a moment, is from April 18. In just these few days, they added so many more payments into it??? And now, since they keep changing their story, they have these three months on us!!!
Thanks to loans from friends, kind donations, and work of course, we were able to collect $6,000 and quickly rushed to the bank to create a bank draft (a very official cheque) for $6,000 and we quickly mailed it off to them. We wanted to pay them the $6,000 we had ASAP so that we could have paid something and they couldn’t evict us, right?
We fell into a short moment of calm where we thought we were safe from being evicted now. We paid $6,000 and they couldn’t evict us and we’d pay the rest as soon as we had it. Of course you know this didn’t last. THEY MAILED THE CHEQUE BACK. SAYING THAT THEY WOULDN’T ACCEPT IT UNLESS IT CONTAINED THE FEBRUARY, MARCH, AND APRIL PAYMENTS. If they want the money so badly shouldn’t they just accept the $6,000 and take the rest later? No, because then they KNOW they can’t evict us, and that’s EXACTLY what they are trying to do. THEY WANT THIS TO BE AS IMPOSSIBLE FOR US TO PAY AS POSSIBLE. They could have taken the $6,000 but then they are unable to evict us, and they want to evict us.
Our mortgage payments are “officially” meant to be paid on the 2nd of each month, but my dad had agreed with them to pay on the 25th of each month. That is how it has been the entire time we have lived here and they know this. But suddenly, they decided that we need to pay for May as well, because if we were to pay on May 25th, that falls after their May 20th deadline. So they suddenly said the 2nd again because that’s how it is in the papers, even though they have agreed previously that the 25th was okay, and BAM THERE IS A 4TH MONTH ON US??? They are literally looking for every way they can to fuck us over.
This is the most recent letter, telling us to pay $20,000!!!!! How could they just go and suddenly change it to THIS??? Mortgage x 4 is $12,800, the rest is literally “LEGAL FEES” AND INTEREST THAT THEY KEEP STACKING ON US OUT OF NOWHERE. $5,400 is just for their lawyer who only sent us one letter and then proceeded to ignore and avoid us when we wanted to question him further!!
It is literally fucking evil how they are trying their hardest to make this unpayable for us. I don’t even think it’s about getting this money, or else they would have taken the $6,000 when we sent it to them. It is about making this unpayable for any person, so that they can take the whole house from us. They could have easily taken this $6,000 from us and taken the rest later, but they wouldn’t even accept it until it was the full $20,000 that they suddenly decided that they want. So many of that are just fees that they made up!!!!
This isn’t even counting other bills that we have to pay such as electricity and food.
It is so. Fucking. Wrong.
And my family is SO TERRIFIED.
Worst case scenario ? We will get evicted. We will be HOMELESS. IF, we have any money, we might be able to rent an apartment. Apartments are expensive and require 2 month’s rent upfront. We wouldn’t have enough bedrooms for all our family members. We wouldn’t have enough space to take most of our belongings. We wouldn’t be able to take ANY of our animals (2 dogs and 6 rescue cats) as no apartments near us allow animals (we checked) and even the shelters in the area are utterly horrible and careless (in addition to charging you per animal..) Most of our animals are unadoptable as well. And this is all IF we can even afford an apartment, IF we are left truly homeless, we’d still lose everything, on top of having nowhere to go to and social services possibly even taking my 10 and 6 year old siblings away.
THE ONLY REALISTIC OPTION FOR US is somehow paying this off, because we need to stay here long enough to sell this house. My house has been on the market for 3 weeks now and only one person has come to even view it so far, and wasn’t interested in buying it. If we can sell this house, which we definitely should be able to…with a little more time… Then we can pay off the full mortgage and move elsewhere, where we won’t have this problem again.
No, sueing is not a realistic option. How can we go against this entire corporation and their lawyers? Our own lawyers would cost thousands that we don’t have, court would take ages, and they would still evict us in the meantime. They know this. They know we are powerless against them.
My dad is working as hard as he can but his job is being very slow at the moment. He installs floors and normally at this time of year, he should be buried in work but for some reason he isn’t getting any. On top of that, his boss from the main store he works at hates him and purposefully does not give him work. The other 3 stores he is hired at simply are not giving him much to do.
I am applying to all the jobs I can but none are contacting me back. I am so frustrated. One job in particular nearby my house would have been the most perfect option for me and they hired someone else instead. I am still trying to search for a job but we also live in a kind of middle of nowhere area and I have limited transportation. I am trying my absolute best. I’m also doing art commissions - PLEASE consider getting one if you can!!!
My mom doesn’t speak a word of English, cooks and cleans constantly, and takes care of my young siblings every day, and yet is still searching for a job for herself… I have no idea how she will get one without being able to speak English or having any experience.
My parents don’t really have any friends/family in Canada. I have a very small family and they are all in Poland and very poor. We’re usually the ones sending them money every month. We’re even considering asking my grandma in Poland to take out a loan from the bank for us, but my mom is so embarrassed to ask her for fear of terrifying her too much (she hasn’t told her any of this so as to not stress her out…) and they are unlikely to even give my grandma a loan since she is poor and very old. We can’t really ask her for much help but we might just have to. Even if she is able to get a loan for us, we will still be far from our goal… But my mom thinks there’s no way the bank will give my grandma a loan.
We are literally doing everything we can and they are just trying their hardest to take this house from us… It’s sick. It’s horrifying. I never knew that people could be this completely evil. To think that within a span of just a few days they would change their own story like 3 times just to make this harder and harder for us…
PLEASE help us if you can!!! If each follower could donate even a dollar, that would help immensely. Please reblog to spread the word too! Please look at my commissions…! This looks like a very hopeless situation but hope is really all I can have anymore. All I can do is hope for a miracle.. I’m trying my best to apply for more jobs and hopefully get hired somewhere. My dad should have some work for the next week. Maybe we can do this– we have to do this… The outcome if we can’t is more horrible than I can even imagine…
Please donate if you can, I greatly appreciate all the help we can get.
I’m so sorry for being annoying posting this… I know it’s not nice to see this post but this is my biggest outlet to hopefully get a bit of help.
I will keep you updated as I learn more and thank you so much to anyone who may be able to help or who has helped so far.
https://www.paypal.me/alexg05
https://www.gofundme.com/losing-the-house-the-children-the-animals
Art Commission Info - at this point I will attempt to draw pretty much ANYTHING, ask me about it and I will see if I can do it.
