My husband and I bought a house via an owner finance at the end of April. We gave everything we had to the seller for our down payment.
We ended up with no hot water for the first two weeks we lived here. The copper tubing had been cut and pulled out of the house fromn outside. We also found out that the furnace doesn't work and had been red tagged and locked by the propane company. Just fixing the tubing so that we could have hot water cost us almost $1000 and the furnace is still red tagged and locked, with fall and winter approaching all too fast.
In June the a/c broke. It is not repairable. We have been making do with two window units but on the really hot days they don't do much. It was 93 degrees in my living room day before yesterday with the window unit on high. We have four kids and even with the window unit and two fans, we all were miserable.
We went loan hunting and because of a bankruptcy a year and a half ago, no one will approve us. We got a call from Weston Lending Group telling us that we had been approved for $15000 to replace the furnace and a/c and we were ecstatic. They were a scam though and walked away with $1500 of our money. Money that we really couldn't afford to lose.
Since then we seem to be in a never ending whirlpool. We think we're catching up and comething else knocks us down. We got an approval from another company, but in the time it took for us to come up with the money to pay broker fees, the rules changed and now we don't meet the qualifications. That money was to have been released to us this week.
And now, we owe money to everyone who has been helping us with living expenses after the loan scam, we still have no a/c and no furnace, utilities are being shut off.... And social services says that my husband makes too much for us to receive help from them for food or anything. I am amazed at what they think a family of six can live off of.
We are in desperate need of donations or a loan so that we can get back on our feet again. We are willing to pay a loan back with interest of 8% and do an automatic payment. We just need some stable footing again instead of quicksand.