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  • =?UTF-8?B?0JLRitC/0YDQvtGB?=

    From =?UTF-8?B?0KDQsNC00L7RgdGC0LjQvdCw?@21:1/5 to All on Mon Oct 31 14:29:49 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Ivaylo Ivanov@21:1/5 to All on Mon Oct 31 16:45:30 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From =?UTF-8?B?0KDQsNC00L7RgdGC0LjQvdCw?@21:1/5 to All on Mon Oct 31 21:41:29 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From chorbalan@21:1/5 to All on Tue Nov 1 05:58:20 2022
    On Mon, 31 Oct 2022 21:41:29 -0700 (PDT), Радостина wrote:

    On Monday, October 31, 2022 at 4:45:32 PM UTC-7, Ivaylo Ivanov wrote:
    On Monday, October 31, 2022 at 5:29:50 PM UTC-4, Радостина wrote: >> > Ега ти и препяствията и подвизите дето минавам напоследък. И като капак на всичко mortgage компанията ми ми трясна home insurance от $250 на месец към
    ипотеката без да ме пита.
    Живея в кондо, плащам HOA, което включва home insurance. Почти 20 години откак го имам не съм плщала такъв. Нчой знае ли какво да правя.
    ПИСНА ми от несгоди!
    Не знам как можеш да имаш ипотека без "home insurance". Те винаги си вървят заедно (т.е. не виждам как може да си го нямала преди).

    Почти 20 г. вече никога не съм плащала. Помня че когато подписвах документите изрично поисках
    to wave home insurance и да нямам prepayment penalty.

    Ми извади си документите и им ги "удари в главата", или тъпо си ги изгубила?

    Помня, че ми поискаха документ какво покрива HOA
    и помня, че HОА трудно ми го дадоха, но ми дадоха.

    Длъжни са.

    Ако твоя HOA наистина има би трябвало да можеш да уточниш това с институцията, която държи ипотеката ти. В противен случай бих подал
    оплакване към "state regulator", който прави надзор на ипотеките в щата ви. Няма нито логика нито законен варинат някой да те задължава да
    плащаш две застраховки за "home insurance".

    Така е, но ти знаеш, че компаниите си правят собствени политики.
    Ти знаеш ли по принцип че няма state law, което те задължава да имаш home insurance.
    Lenders те задължават по принцип за да си protect investment.
    T.e. ти плащаш тяхната застраховка. Изнудване.
    Застрахователните компании са кръвопийци.

    Що ма, взимаш заем като не ти харесват условията?

    Хората са страхливи и невежи.
    Знаеш ли, че в едно кондо ти не притежаваш нищо?
    Само въздуха.

    Е, и? Това е като апартамент в Бг или която и да е друга страна.

    Помниш ли че 2 години се борих с ХОА когато идваше влага от фундамента?
    Преборих се, беше ужасна гледка, целият фундамент се беше пропукал на много места.
    Или земетресение, или корени на дърветата отпред, нещо разместваше пластовете.

    Демек фундамента е бил кьопав по проект и изпълнение.

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Ivaylo Ivanov@21:1/5 to All on Tue Nov 1 05:00:12 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From chorbalan@21:1/5 to Ivaylo Ivanov on Tue Nov 1 15:14:25 2022
    On Tue, 1 Nov 2022 05:00:12 -0700 (PDT), Ivaylo Ivanov wrote:

    Не мога да коментирам конкретен случай без да зная подробности, но както казах, ако първоначалния договор не е изисквал
    допълнителна застраховка не виждам как могат да те принудят да го правиш
    години след като си го сключила.

    Най-вероятно става дума са scam, на мене ми бяха пратили нещо
    подобно за home warranty и изглеждаше много легитимно, само
    дето апартаментът не беше мой, а под наем :-D

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Ivaylo Ivanov@21:1/5 to All on Tue Nov 1 09:07:51 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From =?UTF-8?B?0KDQsNC00L7RgdGC0LjQvdCw?@21:1/5 to All on Tue Nov 1 17:40:18 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From =?UTF-8?B?0KDQsNC00L7RgdGC0LjQvdCw?@21:1/5 to All on Tue Nov 1 17:47:51 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Ivaylo Ivanov@21:1/5 to All on Tue Nov 1 18:00:42 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From =?UTF-8?B?0KDQsNC00L7RgdGC0LjQvdCw?@21:1/5 to All on Tue Nov 1 19:03:15 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Ivaylo Ivanov@21:1/5 to All on Wed Nov 2 08:35:31 2022
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    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From chorbalan@21:1/5 to All on Thu Nov 3 01:53:31 2022
    On Tue, 1 Nov 2022 19:03:15 -0700 (PDT), Радостина wrote:

    нямам право да напускам Щатите.

    За да отидеш къде? В някой южноамерикански кучкарник?

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)