The people who control the world.

The story of mortgage in America and the honesty in the market?

As I told before in USA most of the matters are not like in Iran. In Iran you cannot get even 1000 dollars loan from the banks, because the inflation is high and it is more than the interest. By 20% interest the loan if you can get from the bank is 14% interest, so you gain %6 present if you have friends and connection to get the loan. But in America they call you every day come and get loan, because there is a little inflation and you pay real interest to the bank. The thing for example house you buy lose its price, but the interest is high. The letter below may be able to help the people to understand how the system now is working.  If we were familiar with the system we would not lose a lot of time, energy and money , in Iran the price of house never comes down, but here it comes down sometimes to 70 present  , if you buy house cash like in Iran and it is only one house , may be it does not matter so much, but if you buy by credits or mortgage, it is difficult to continue, because they want the same money every month, but you income is lower, because the house price is lower. Any way in Iran with inflation the middle or poor class are destroyed and here sometimes with deflations. The people lose all their saving, because of deflation.  The letter below which is written for this propose maybe can be useful to understand the different system of economy. Like in Iran the students should run after the school or college, university and here it is opposite and the university should run after the students.

The food are poised may be in both countries. If you see one of video in the internet they show exactly how the meat is prepared.  The chicken that will be prepared by machine for the people food cannot even stand up. They look sick and their pub or stool is like yellow water. They never moved in their whole life. The cow and other animals are the same, the people are so cruel to them and they are sick and full of pain and sickness and will be killed and soled. In USA like many other countries cheating is sort of legal and they called it business. You should not trust any body here and be very careful if you buy or sell something and or if you hire a person to work for you. In Iran if you are nice with the workers, they are generally nice with you, but here they take advantages and try to cheat you more. If you need a workers you should check him/her and do not trust him/her at all. They cheat and robe you from left and right. Be careful. I hope Shirin Khanom will consider this matter as a sharing experience.  Not please be nice to each other and do not bother each other especially the minority?  I am trying to share my experience and the experience of my friends and students with you. Because if ;we use each other experience we can gain time and money or not?    

I have six mortgage and equity lines of credit with Bank or America.  Three of them were originally with the bank of America an three of them were with the County Wide bank, which has come under bank of America now. 

1-The first problem that I had with the Country wide is that they made false documents that I have 200,000 incomes and singed it wrongly as I did sign? And they called me every day many times that they are willing to give me more money for the house improvement and they can cheap fix rate also to me. ;with this cheating my payment for the house of 12344 Lehman Road, Orlando, Fl 32825 came from 1300 per month to almost 3000 per month. The did the same with my other resident house in 14560 Lacebark Pine Road, Orlando, Fl 32832 again they called me so many times and again my payment for that house from 1200 dollars per month came to 3000. 

I had a house in Oviedo, and I had some classes for different languages there, the Oviedo city told me that here I cannot have students in my house, and they continued if I buy a house in the County , I can have boarding school in that house. With other words the students can live in my house and learn legally. Sort of tutoring and helping the students who have problems with the language or culture. I went to the Orange County zoning department and they told me the same thing, they told me if I buy houses in the Orange County they will give me occupational license and I can teach them and they can live there legally.  I did buy the two houses mentioned above and I paid the necessary fee and I paid different company to have the necessary paperwork for the occupational license.  I got the license and three years I worked with this boarding school and I put all my money and work in this boarding school. I planted over 1000 citrus trees and other fruit trees, I install the irrigation, lights and fence and gate, that costs for me for both houses over 800,000  the house was like a wild jungle and I have to pay the people to clear the house, they charged a lot of money and cleared the house, so I could plant citrus tress and other fruit trees and install irrigation , fence and light. I bought also different tolls and different materials for the boarding school. 

After three years, I think some joules neighbor told the code enforcement and they came to my house to control the paperwork. I was sure that I do a legal thing and showed them the occupational licenses.  I thought they just wanted to see the paperwork, but later the Orange County zoning department told me that they make a mistake and they cancelled my occupational license , I told them you have destroyed my life and my capital with this mistake and they told me I can go to Florida Bar and sue, they. It is now over two years that I try to get an attorney to take my case, but all of them want a lot of money ab front. I am destroyed by their mistake and how can I pay so much money ab front to the attorneys.  One attorney told me if I give her 500 dollars, she can start the suing, performance, but after few telephone calls with the zoning department, she wanted more money. I am trying to get more money, but because the prices of the houses are lower now so all my line of equity lines of credits of mine is frozen, because the banks know the prices of the houses are lower. I paid the country wide money for the establishment of these lines of credit, but they just froze them.

I had no other choice to rent the houses or rooms to the regular people, until I can get money to work for the occupational license again I paid also a company named ground conference and they told me they can get cheap loan or grant for me. They had a conference and many people came on the stage and told us that this company helped them to get grand. So they told me if I paid them over 1000 dollars, they can start to get grand or cheap loan for me. But later they gave me three books and did not do anything. I understand that they were sort of scams and they just sell a dream to the people and they say lie and cannot get any grand or cheap loan for me. That was their business that they charge money for the matter, they cannot do.  They wanted more money, but I knew that they just bring excuse to me and they cannot really help. They offered me the way that I know myself and they are really cheat people. 

I rented the house to regular people, but those people did not pay regularly and after few months they told me they have no money and they start to destroy the houses. I had no other choice to go to the court and try to evict them. But court cost a lot of money and take a lot of time, so they enjoy staying free in the house and in the time that the paperwork is done they took what ever they wanted and left the house, in the time that the police came they already left the damaged house for me. They damaged the house and moved the wall, took the doors and woods in the house, refrigerators, washer and dryers, tractor for cutting the grass, water heaters, AC and furniture. Four times they robbed my house and the police came in, but they did not take the matter seriously as I was a rich man and the poor tenants needed the materials and cannot pay the rent. I have sixty thousand bad checks from them an attorney gave me a telephone number that a company can cash your checks. They gave me a telephone number 1888 861 4338 # 5620 Mr. Mike and he said that I can scan the checks to him with the bank letters, but later he said the one of them had money in his account, but he wants 200 dollars from me to start the case?

The water damaged the house and the insurance company Liberty Mutual paid just for drying the carpet for one week and after that they refused to pay, they collect money for many years from me and in the time that they should pay, they cancelled the policy. With other words they robbed me, too. I rented the house, but as they got the paperwork for closer, they moved out house and I should again repair the house and make them ready for rent again. I lost all of my credit score and I cannot be get another job. The people robbed me and I have to be punished for their false activities. The Orange County zoning department made mistake and I have to pay for their mistake, if we do a mistake, we have to pay, but how can I pay for their mistake which is over 800,000.  I hired an attorney to fight with the insurance company.  I have to pay them and the repair and damages by myself. I paid over 30, 000 dollars just for repair recently. And the house needed more repair to be in an excellent condition.  In the past it was boarding school and I did make enough money to pay the costs, and the payment was not so high either. Now the bank wants more money, because of the cheating activities of Country Wide bank, the price of the houses is now half and the bank does not consider this, the rate and rent are dropped and the bank generally should modify according to current prices and rate. In the system the house in 14560 is shown that it costs or the price of it is 300,000 dollars, the short sell will be even cheaper than that. I put over 300,000 dollars for the improvement in the house and if the bank sells it for 300,000 or less, I will lose all my capital which I gathered after fourty years of work. I was general consultant to the government of Iran, college instructor in USA, Iran and I was teacher in High schools in Iran and USA and I worked also in German schools and German Embassy school. The person or the company who buys the houses will collect all my money and capital. As I said I put all my money and all my work in this boarding school. Planted over 1000 citrus trees and other trees and tried to make if a nice place for the students to live here and work in the farm. I build cages for chicken and cleared the pond for growing fish. If I can get them with the current price, I can make them as a nice school and generally the school is supported by government or churches, but in my case by the mistake of zoning department all me and my capital will be destroyed. I paid more than the short price, so the person or company who buys the house in short sell, will collect all my capital, like the insurance company that collect money from me and did not pay the damages.

The other house in 12344 in Lehman is the same, I put more than 300,000 dollars in the house, by changing all the equipments, install fence, gate, irrigation, lights everywhere and pumps and plants, cleared the pond and the jungle, that costs all money and I paid every month on time the payment, but now the houses needed badly repair and paints and I have to do it.  I am willing to work with the bank. But as I said my original payment for the Lehman was about 1300 and for Lacebark 1200 per month, now is for each house about 3000.  I wish a fair evaluation and see how much the houses now cost and how much is taxes, insurances, rent and interest rate. The house which cannot be rented even 1300 per month how can I pay 3000 to the bank, tax insurance and repair?  And because the bank did not modify the houses, I cannot rent so easily, too. I am willing to cooperate with the bank and save my own capital. I am not young any more and I put all my saving and all my work in this business and it is not fair that the third person just collect all my capital cheap and I got nothing left. I am the victim of Orange County zoning department, if they were careful and did not give me that occupational license, I could stay as a teacher in high schools or as instructor in the college. And I could be retired now.  This mistake destroyed my life, too. I lost my job, because I wanted to have my own boarding school, which I wanted to get later a degree program for it. But now because of the mistake of Orange County zoning dept. my life and capital is destroyed. What can I do with 58 years old and after fourty years of work in three different countries, Germany, Iran and USA?   

Generally a teacher like me should be rewarded and not destroyed. I know all languages in the Middle Eastern countries and I know also perfect German and English , I know all cultures and religions in those countries and I was consultant and translator for a long times in Europe, Iran and USA.  I worked in German companies, American companies and Iranian companies. And I was also teacher in all three countries. 

 Yours Ali Jahangosha  Tehrani  Far

And a party in the old time if the Middle East?