Dear Bank of AmericaAs I said many times, my situation has been changed. First the price of the real state came lower and I lost all my down payments. That is clear that I cannot have the same income. As next house to me is foreclosed or sold cheap, they can rent it also much cheaper than I can. I rented my house in Oviedo for two years, but next house is sold as short sell price, my tenant without even saying anything to me, moved to other house and took the materials of my house and did not pay the rent. I called the police and insurance company, but none of them are willing to take an action. It is fine and I have to pay over 30,000 dollars to fix the house again. But the rent does not cover the repair and other costs. The short sell price for the house is 125,000 and I have loan and line of credit over 230,000 dollars.
My residence has the same problem, even if I just keep one room for me and rent the rest to roommates, the of all other rooms cannot cover the costs. Again the rate is lower, and the price of the house is lower, but the bank does not consider them. The house had also high maintenance fee.The OrangeCounty zoning department gave me occupational license for a boarding school, after almost three years operation as a boarding school and farm, they told me they did a mistake and they cancelled the occupational license. They said, they did mistake and I have to pay for their mistake. Because they gave me occupational license for a boarding school, I put all my money and a lot of loan in the business. I planted over 1000 citrus trees. I worked myself over five years here to make it as a good garden, farm and school, so the students could live here, learn and work. Is it a bad action that I help the young people and I have to be punished for helping them? An attorney said if I can give her, 4000 dollars, she can get my occupational license back. But how can I pay so much money.
The county told me, I can sue them, but attorneys will a lot of money in advance to start the suing? I had about 400,000 line of credits and equity lines, which all of them are frozen, as the value of the real states came lower. I cannot operate the farm and all my chicken, fish and agricultural activities is stopped. I can create work for at least 40 people, but because my lines of credit are frozen, I cannot pay people to work here. And nobody is willing to be also my partners, because I owe banks more than the business has valued. As they made mistake, my income came much lower. I spent over 800,000 dollars for the business. I fenced the lots, with irrigation and lights everywhere, I cleared the land, I cleaned the pond, I repaired the houses and improved them. I did all these, because I thought it is a boarding school and can pay it costs easily. But as the cancelled the occupational license, I had to rent the rooms to the regular people. They thought I am rich and they destroyed the building, robbed the materials and did not pay. I have to go to the court to send them out; they got angrier and damaged more.
The people robbed my house and destroyed it five times, and the police cannot do any serious work?They gave me checks, but they are bad checks, and cannot be cashed. It is fine the system says?The insurance companies that collect money for many years did not pay the water damages and other damages. With other words they robbed me, too.I worked fourty years as college teacher and consultant to the government, and I am 58 years old and have nothing, because the people robbed me and the OrangeCounty make mistake and they destroyed my life and my capital. For my residence, I spent more than 400,000 for the house improvement, and tried to change five acres of land to a citrus and flower garden. I bought the house 510,000 dollars and I put all my work and energy in the house as my residence and business. Now the house costs only 300,000 dollars. If you sell this house with this money, I will lose all my down payment and all the money I put there for improvement. The other house which is my office and my boarding is the same; I bought the house for 350, 000 and I spent another 400,000 for the improvement and changed it to a garden. Cleared the land and build a lot of facilities there.
Now the short price is 150,000 again if the bank sell this house to the third person, I will lose again all my work, and capital. The insurance company has to pay the damages, but they do not. How can I pay so much money to the insurance company and pay everything, water damages, vandalize and robbing by myself again. I hope the bank will cooperate with me and let me the business and my residence with the current price and current rate with me, in the future if the price goes up or if I can changed it to the boarding school again, I am willing to pay more. In this condition nobody is willing to put any pennies in this business.If the bank cooperate with me, I can even go and work in other places, but now because I have millions dollars death, nobody is willing to give me a good job. If I cannot work, I cannot pay.As you see the people robbed me and did not pay me; I have to be punished, the insurance companies did not pay, I have to be punished, the people damaged my buildings again I have to be punished.The OrangeCounty zoning department made mistake again I have to be punished. Is it just? Five time my house is robbed, so I could not pay the credit cards, again I have to be punished.If I knew that here I have no support from the law,
I would not even take a dollar from the bank as loan. I took money to create job and education for the young people, the OrangeCounty destroyed it. Even Mr. John Mica wrote seven month ago for explanation of their mistake, they did not even answer the member of the house of representative. So it is clear that they ignore me and do not care about me and are indifferent. But how can I pay the full amount of money that I owe the credit cards and bank, if no body care that I am robbed and the value of my business is over 50% down?Is it just that the people robe and destroy me and my business and I should be punished? The whole problem affected me. If the bank brings the price and the rate to the current value and rate, I can cooperate with the bank.