Tuesday, March 12, 2024

WILLFUL INTENTIONS:

If the people from HUD  and NOVAD 
pretend that the reason they have not sent me my disbursements from my investment I have faxs to prove differently. For many years, HUD and NOVAD toyed with me as if it was some kind of game. When I would ask for my funds the reaction between the two of them was to send me back and forth. This cruelty went on for some years. I have lost a lot of money behind this insane behavior. Then there came a second round of insanity. Each time I tried to get help they involve their employees and gave me kind of numbers to identify who I talk to. I received plenty of kind words but unfortunately these people were only employees that had no power to do anything. 

I was watching Jack Smith, the assistant attorney general of the United States the other day, and he made a statement that caused me to reflect on 33 years with my relationship with HUD. He spoke about one set of rules in this country applies to everyone. If this is true, I am a non-person. Here is another document that I would like to read into record,  "WARNING: Section 1001 of Title 18 of 
the United States Code makes it a criminal offense to make a willfully false statement are misrepresentation to any department or agency of the United States government as to any matter within its Jurisdiction. This law was written in September 1923 . I am well aware that it is impossible for the department heads to be able to know everything beneath them. I wrote
Ms. Fudge congratulating her when she became Secretary of HUD. 

I am aware that she did not get the letter because I received a donot reply from someone name Shaniqua Williams. I did not write the president.

DOCUMENT 1:
JANUARY 27/2024

LEGAL AID

Here is the letter that I wrote an attorney from legal aid trying to recover funds that I knew belong to me. I have written about this case in many of my past posting, it has been going on for over 33 years. I sign up with reverse mortgage in 1993. I bought and paid cash for a home. This made me a buyer. I had a past experience as a conservator of how I could possibly earn money from a reverse mortgage. It turns out that I was correct as you will see in the letter from the legal aid attorney. 

Would you please look into my case and help me with getting money that the federal government owes me. I am 91 years old and have glaucoma. I sometimes have trouble keeping my eyes focused on the line that I'm trying to read. Because of that fact, I hope you will get the gist of the letter below. It was written by the legal aid department in Georgia. As a senior citizen, I went to this office trying to get help with disbursement of funds that  HUD owes me for a home that I bought and paid cash for. I bought my home in 1993.  The legal aid attorney removed me from the contract I signed in 1993 that was design as an experiment with 20,000 people and I happen to be one of them. It was written by the late called peppers and the Republican party. I read the letter as best I could because my eyes started running water. I hope you will get the gist of my present problem from this letter.
 
LETTER FROM LEGAL AID:

This letter is to confirm the assistance and advice I have provided in your case and to confirm that your files will be closed in 2 weeks, if you do not decide to follow the resolution I have obtained for you. As you know, you contacted our office concerning the funds that should be available for you to draw on your reverse mortgage. You are one of a few reverse mortgage borrowers who have had their loan for such a long time and have not yet exhausted the available line of credit funds. However, because the balance is now is far more than the amount anticipate at he time the loan was originated, the long balance is now far more than the amount of original listed in the security document.  Accordingly, HUD as the owner of the loan has refused to allow you to draw any additional funds. (" I bought and paid cash from my home. This makes me a Buyer I have never been a borrower from HUD").

I research the term of the loan, which anticipates this type of event and the solution. On the loan agreement you signed, when the balance of the loan grow to be greater than the amount in the security instrument, the lender for references here, HUD for references can require you as a borrower to sign an extension agreement to increase the amount listed in the security instrument. The purpose of this is to ensure that HUD as a lender maintain a secured to interest in the property against additional advances of funds on your line of credit because This is an unusual circumstances that has not been there with before. I had to do a lot of advocacy with hood, and prepare an extension agreement on your behalf to submit to HUD as a solution contemplated by your loan agreement. I discuss with you the solution I was proposing and my effort on your behalf. Hud finally agreed and signed the extension agreement. However, when I met with you to review and sign the agreement, and in follow up conversations, since then, you have indicated that you are not willing to sign the agreement. As we have discussed, the reverse 
ma contract come to play the deciding of this agreement and your refusal your refusal to do so means that HUD will be justified and continuing you into refuse to make any additional advancement on your line of credit. I urge you to cooperate with signing the agreement, as you promise to do so when you sign the reverse mortgage. The extension agreement does not change anything else about the terms of the loan, other than your ability to again make drawer requests on your available credit line. The extension agreement only convert firms that the reverse mortgage on your property will continue to grow to the be more than the amount of  $175.500 original listed. I chose a new maximum amount of $450,000 as a high number to allow for continual growth of your loan balance and your additional draws on your credit line, and are to give your loan plenty of room to grow so that you don't run into this issue. Again. Signing this extension agreement does not change the balance of the loan. I sincerely believe the signing this extension agreement is your best interest and would not recommend that you sign it other wise.

PAGE 2

JANUARY 27/2024

As we have discussed. Your refusal to sign this extension agreement, which you promise when you sign the original reverse mortgage document will determine any future claim you might want to raise against HUD In that matter. If you make any future complaints, Hud will only respond that they provided the extension agreement as required by the contract that you refuse to sign in the breach of your promise to do so

In our last conversation, you and I discuss all of these points, but you still stated that you would not sign the extension agreement as a matter of principal. I urge you to reconsider, so that you can draw the remaining funds that would be available to you on the loan. I will keep your case open for two more weeks until October the 8th, 2021, in the hope that you might change your mind. If you have not agreed by that date to move forward with signing the agreement, then there will be nothing further for me to do on your behalf and I will be closing your file. Once your files is closed, the dark comments and information will remain on the file for a period of 7 years, after which time they will be destroyed to protect your privacy...
My question to the legal aid attorney is why was I removed from my original contract? Why was there a contract where I borrowed money from the state of Georgia?  Why am I name a borrower when I am a buyer? I believe that anyone with brain activity will take a look at this case. They will see many directions toward fraud that just came out from my latest research. 

There was one very nice person that worked for
HUD who was the loan specialist. I am thankful to her for her encouragement to me in making me aware that I was always on the right track. However, I have a contract with over 107 pages,
There is not one signature from any other person
on the entire contract. There is a manual for employees. The name of the manual is (Charger). The main contract that I have with HUD has more than 107 pages. There is not one signature in the entire contract except me and the sellers. Doctors,  Lawyers, pharmacist and others have participated in this behavior. I am not foolish enough to make false allegations against the government of the United States unless I hate the evidence to back up my actualizations. 

In an addition, I have gone to the justice department four times within 33 years. In each case the reason I went was try to possibly upgrade different issues that I was having in trying to secure funds from an investment I made concerning a line of credit. There are five different options with reverse mortgage. I chose the principal line of credit. There was always funds in my account. There is evidence of this fact that is always found on each of my monthly statements.

Furthermore, there is nothing more telling than the fact that HUD's only interaction with me should have been as a server since there was no loan to me. It is like they change my name and took my home. My contract allowed 12 and one half percent compound interest. In my case, this is for 33 years.  This was a meant to be a sweetheart deal for senior citizens. It appears for some reason that it was too sweetheart for me to belong. As you will see from my attorney There is no dispute. The money is old to me. According to the contract these funds are tax free.  Reverse mortgage was forced to pass laws to undo the senior citizen bill. There is also a paper trail that shows the contract provides protection against the loss for HUD is covered within the MIP insurance that's divided between the two of us. However, HUD did not stop there. They took out two insurances where I paid for making them the benefactor. In the contract that I signed HUD, there is MIP.  I have never received one red dime. There is a paper trail to support this. The people are thanking me for other payments I made on the insurance. These insurances are without my signature. I am supposed to share half in the
MIP insurance that's available to protect HUD
from any losses. All one has to do see the monthly statements and fraud is jumping all over the place.  

The troubling problem is that all of these different government entities seem to be right on code. As far as working together, who would ever think that a lawyer, doctors and others would have participate in something that cost them as much as the possibility of lost license if I had not been black. I am certainly aware of the zip code laws in America. They're there for one reason, to keep white privilege in place. When you follow the paper trail that I have experienced,
HUD Will walk you directly to the door of the violation of my civil rights.

 I saw the possibilities of reverse mortgage being a "cash-cow."   I bought a home and paid cash for it. This makes me a Buyer.  HUD signed me up as a Borrower. This contract was signed in 1993 with only three signatures, the two sellers, and me. My realtor sign me up as a purchaser. My first contact with HUD I explained to them that I had posting on the internet as far back as American online. I also told them that I did not want to get involved in politics. 

I am now thinking that this was the beginning of my problems. The reason was that I did not like interacting with people who became angry because I have a different point of view.  the first time I tried to try get help from them to enforce disbursements to me from line of credit To para-phrase what I was told on my first visit that there are too many cases to handle individuals.  Furthermore, because I had only talked to HUD four times in the last 33 years, I only wanted to update them for my new qualifications. To my surprise, before I could explain my reason for calling, the lady hung up on me. I wanted to tell  her that since I was told the first time I called that I had to have more than myself involved, that now there are many of my followers on Facebook, the continent of Africa, and in the diaspora who are like-minded and who are followers. This reality should have removed me from the rule where I am no longer without followers. Here is my blogging address. çaljo333.blogspot.çom

HUD will continue to pretend that I did not answer when they called me. The same old game has been going on for years between HUD and I. However, I now have a paper trail with a fax and the date that they were sent with evidence of me  contacting them. Please pay close attention to my monthly statements from many other companies. This is when everything is exposed. I  now know that this is blatant racism. We are  aware that there is zip code racism. None of us can say that America is not racist if we tell the truth. 

Please believe that racist bomb that has been used against the world of people. It's about to be deflated. The only weapon that is needed is truth. It has. I have said many times is right under our nose. Have you ever heard of a book called the delectable negro? Have you ever heard of a book called negro soup? Have you ever heard of the Mary Turner incident? Have you ever heard of the Sam Hose incident. All of this information is written by White Arthur's. It turns out to work more like a confession of truth. And I have said before. I am so grateful for the technology. From Phillip EmeghalIi. I am thankful for Philip Scott of Houston, Texas who has a podcast. I have learned so much from him. I would like for Anakana Chihombri Quao, and five more people to join a team and work together to end this white privilege cruelty. The greatest part of the whole solution is that it is before the world to understand l just how the 400 years of killing, slaughtering, and  brutalizing was practice against the world. My hope is that others will share their knowledge also. My goal is also to leave every book that I have written to the continent of Africa where we can together work out some way to make this an enterprise that produce a salary for an African on the continent. Perhaps we may open our hearts to share with others who are needy and poor. One thing that Philip Scott and I certainly agree with. It is time for us to start thinking about helping ourselves. However, I am African. History of our people is to give and share with kindness and I think that's a good thing. One thing for sure is that I won't gracious living as long as I walk the face of the earth, but at my death everything that I only becomes property of continental of Africa. I would like a research team that was surpassed. Anyone that the world has ever known. Africa must never again lose their identity to liars. We must protect ourselves from being so vulnerable for others. I have faith in the technology form for young brains from Africa and that's what I want to invest in. I am posting this website with all this errors, and with all the need of editing, because I am anxious to have it published. I don't want anything that I have worked for to go to the evil forces of capitalism. I have All the sources from investments that I don't care to mention at this time. My main point is whatever I leave at the time of my death goes to the continent of Africa. 

Here is a point that I must clarify. They're the music in. This will goes to my son until he dies. He has agreed that all the funds is made from the music can become property of the continent of Africa. At the time of his death. There is much that need to be discussed. Please play close attention to the front that the government is admitting that they are indebted to me for stealing a home that I bought and paid cash for. they remove me from the contract over and over throughout different posts. This has been ongoing conversation from me. Use everything that you can to make sure that these wishes are carried out. I am no attorney but I have her that if I leave those that I don't want to contest the wheel $1 that this may make a wheel binding. If this is true I'll leave everyone except my son $1. Upon his death he has agreed on the same stipulation as I have. I repeat, please pay close attention to the legal age attorneys better admitting that I am old money from the government and also the book has information of confessions from the
Racists in America. I want all of this to go into the archives  on the continent of Africa. 

Research all of my past posts. Anything that I have written it is somewhere on the internet. Please compile this to make sure that no more African children leave this continent in order to find a better life in America. I never want to see another black person in America and sitting in jail without the same attention that white people get when something happened to them. Every city where there is a murder of a black person. I am proposing that this city will pay tax of reparation for every product that comes from the continent of Africa. I am thinking that this will entail two different taxes. One for a reparation and the other one for criminal activities. There are many details that we will work out later but as for now folks I'm going to post. I will be adding and editing in the future. I certainly need help from others. I can write a book on many different subjects in 2 days. I am hoping this will supply Africa with enough funds to help poor people. I am hoping for board members. That should never be no one person with enough power to do harm against the main goal.

I hope I have given enough information for you to understand my prorblem. Please feel free to contact me anytime.
Thank you!

caljo333.blogspot.com.

caljo333.blogspot.com Legal Aid Dear Ms. Smith,This letter is to confirm the assistance and advice I have provided in your case, and to confirm that your file will be closing in 2 weeks, if you do not decide to follow the resolution I have obtained for you. As you know, you contacted our office concerning the funds that should be available for you to draw on your reverse mortgage. You are one of a few reverse mortgage homeowners who have had their loan for such a long time and have not yet exhausted the available line of credit funds. However, because the balance of of your loan has grown more more than anticipated at the time the loan was originated, the loan balance is now far more than the amount originally listed in the security deed. Accordingly, HUD, as the owner of the loan has refused to allow you to draw any additional funds.I research the terms of the loan, which anticipate it this type of event and the solution. Under the loan agreement, you sign, when the balance of the long gross be greater than the amount and the security listed, the lender, (here HUD) can require you (as a Borrower) to sign an extension agreement to increase the amount listed in the security instrument. The purpose of this is to ensure that HUD (as a lender) maintains a security interests in the property against additional advances of funds on your line of credit.Because this is an unusual circumstance that has not been dealt with before. I had to do a lot ofadvocacy with HUD, and prepare an extension agreement on your behalf to submit to HUD as a solution contemplated by your loan agreement. I discuss with you the solution I was proposing and my efforts on your behalf. Hud finally agreed and signed the extension agreement. However, when I met with you to review and sign the agreement, and in falling up conversation, since then, you have indicated that you are not willing to sign this agreement.As we have discussed, the reverse mortgage contract contemplated the signing of this agreement, and you refuse to do so means that HUD will be justified in continuing to refuse to make any additional advancements on your line of credit. I urge you to cooperate with signing this agreement, as you promise to do so when you sign the first mortgage. The extension agreement does not change anything else about the terms of the loan, other than your ability to again make drawers request on your available credit line. The extension agreement only concerns that the reverse mortgage on the property will continue to grow to be more than the amount of 157,500 as the original listed. I chose a new maximum amount of $450,000 as a high number to allow for continuous new growth. And your loan balance and your additional draws on your credit line, and order to give you a long plenty of room to grow so you don't run into this issue again. Signing this extension agreement does not change the balance of the loan. I sincerely believe that signing the extension agreementis in your best interest, and would not recommend that you sign it otherwise.PAGE TWOAs we have discussed, your refused to sign this extension agreement (which you promise to cooperate in doing when you sign the original reverse mortgage document) will undermine any future claim you might want to raise against HUD in this matter. If you make any further complaints, HUD will only respond that they provided you the extension agreement as required by the contract, that you refuse to sign and breach of your promise to do so, and that they are not required to disburse any additional funds to you due to your refusal to corporate. In our last conversation, you and I discuss all of these points, but you still said that you would not sign the extension agreement. As a matter of principal. I urge you to reconsider; so that you can draw the remaining funds that should be available to you on the loan. I will keep your case open for two more weeks, until October, the 8th, 2021, and the hopes that you might change your mind. If you have not sagreed by tat date to move forward with signing the agreement, then there will be nothing further for me to do on your behalf and I will be closing your file once your file is closed. The document and information will remain on file for a period of 7 years, after which time they will be destroyed.

Has anyone ever heard of a public building, with public documents, with a department that allows exemptions because of it's convenient? Am I paying tax to put the need of the employees or the need of the public?  Racism is rampant all across America but Georgia is in a unique category. I am from Oklahoma, My husband was an airman in communications. Consequently, we have been denied places for rent, and much more because of skin color. 

I was shocked one morning when the police knocked on my door in Glenns Ferry Idaho to apologize for a cross being burned in my front yard. It took me over 18 years to really start noticing racism. It was so subliminal in my hometown utill I reflected on it while living in California. Please believe me, California is also racist. Ask anyone that lived in San Francisco about the cowboys. Racism is evil and there is no better evil. It is like the root word reparation, how can you repair dead people?

We all know the story of how they brought drugs into the state of California to dispers among young black people. This is why I have always said that I rather not be around liars. I can write trillions of books, and waste the rest of my life on dealing with liars. When my first book was published I was so embarrassed because I made so many mistakes. My education was so poorly until I could not write a sentence. In spite of this reality, I was allowed to graduate from high school with the equivalents of approximately a third grade education. I have talked about my love for writing in many different postings I've done over the years. But now I'm tired of everything. I would love to live on approximately 100 acres with a lot of fishing ponds and wait for death, I am grateful that I had such a beautiful childhood and I have always been happy. Thanks to such wonderful parents. to make a point of how little concern the racists had in black children getting a good education. I have done substitute teaching in my hometown. The highest grade I have on my report card is a c. Here is another example of how the white privilege take advantage of mis-educating black people, my family lived on property with communal oil. When I call about this I was told that I didn't qualify. Now who would have been the benefactor of my family members share?  This is an example of how many different ways that the white privilege system is allowed to make money from African Americans. When we are fourth to live on a level of survival there's no time to address many different problems coming from white privilege. What I now know is that experiences with different entities within the government that everything is designed to make sure that there's a string a hole on growth within black communities. I have total up on the design that runs throughout the system of people who are poor. What make me most angry is how we embrace a stupid idea that the world leaders such as the Illuminati, and try commission, and the 1%ters are allowed to control 1/2 of 1% are the world's economy. Have we forgotten occupy Wall Street? Are we thinking that the people of the world are going to stand by and see this evil continue with white privilege? I don't think so. There are so many things going on in the world that the people don't know about. Unfortunately, when all of this unfold I ask how will the races in America be able to accept it? The many economist that I have listened to they all seem to be in agreement with one thing. America is in a financial crisis. Are we aware of the what's happening in Africa concerning the control over oil? Do we know the position that Niger Africa is taking concerning the Europeans? Is a big American's big bluff over with all the information that's available to the people of the world? How many different nations are going to remember what Americans did in their cultures? Are they going to remember the many predator and prey conditions that this country created against other cultures? There are trillions of questions that could be answered by this country. My main concern is how American Stood by and allow HUD to remove all possibilities of democracy within my case. There was no consideration of my civil rights or any other thing that's supposedly be practice in America. Was it blatant racism? After 33 years of waiting for funds that belong to me I would think so. I have been forced to live on the level of survival for all these years. Why? Is it zip code racism? Why was I removed from contract that I signed when I first applied for an investment with HUD. Why did a member of the United States government be allowed to remove me from a contract and place me in a position to lose revenue? Why is there a contract that I sign as an investment with 107 pages without any signatures? Why is there no check available for me where HUD purchase my home? Why diH
did However, because HUD is allowed to use white privilege to make money on a home that I pay cash for. I am forced to continue writing.


Hu


 I heard something in the news today where there are many cases where the heads are not notified about what's going on beneath them. Surprise! surprise! I wrote the secretary of HUD as far back at the beginning of her administration. I received a do not reply letter from someone named shaniqua Williams. I soon realize that Ms.Fudge did not received my letter of congratulations for her appointment. I also mention that I was having problems with HUD. 

I called the justice department over 33 years ago. I was complaining against what I was thinking to be racist zip code behavior because of the many cases that I knew about at the time that conflicted by zip code numbers. Unlike we are led to believe ethnicity has nothing to do with where people live. My reason for trying to contact the justice department was because I was complaining that I was removed from the original contract that I signed with HUD in 1993. I also called because I had different circumstances and wanted to add this information to my old case. I have said many times, I never got a chance to state my reason for calling because the lady hung up on me when I gave her my case number. Remember, I have only talked to the justice department three times in 33 years. I have walked through fire trying to avoid getting involved in politics before the 2024 election. I think 33 years is long enough. I am angry now because of some of the things that I believe my money is going to that I disagree with.

There are Trojans of questions. I would like to ask the American government about the violation of human rights against black people. I watched a commercial today where Joe Biden popped in on it. The people were telling senior citizens to sign up for thousands of dollars care packages. His face popped in and he made one statement, 1.9 trillion. I'm not good at math but from what that implied in the subliminal message was that there's going to be a hell of a big stimulus check coming for the poor people. Please do not hold your breath. Joe Biden has said over and over that he is a capitalist. I am only speaking for myself. I realized that I must have capital in order to be a benefactor of capitalism. Thanks to HUD they have depleted my revenue.

When you are a black American, the system of white privilege allowed an entitlement of doing whatever you want to against black people. I now know that's a design is in place to protect white privilege. I once thought that my situation was unique. Now I know I was right. I believe that I am among the few my age who love writing as much as I do. 

 I suppose because of my age I was so unaware of modern technology that I was blogging for many years without knowing what I was doing. I was thinking I was writing a book. Each day I involved myself on the internet. I most likely learn something. I love this. It's certainly makes me grow. Have often talked about my poor educational background. Unfortunately it was not just me. It was black youth throughout America. This is especially true if you happen to live in a small town such as i did, 
.
I am guilty of always doing a lot of reflecting. I have a bad habit of becoming bored real fast. But this does not stop me visiting about passed events. I have a hard time understanding why the American people work so hard to mis-educated black children. I can never forget the the face of the little girl sitting in the back seat of the car with the FBI and how sad she looked. I also shall never forget at how many white people showed up and the looks on their snarling faces that show a threat with a black child going to school. Reality is that skin has nothing to do with anything except protection. I was once foolish enough to write that I did not believe in artificial intelligence. I now know that this is the mother tool for the maintenance of white privilege racism.

Look closely at the three different pictures at the top of the page and you will see that this is enough evidence to proved beyond the shadow of doubt who the criminals in America really are. In their own words it is found in these papers and book, the needed information to prove that there has always been a war against black people around the world orchestrated by the Americans and Europeans. Why?  Is this a book or a blog? Who cares? I'm going to post it anyway so the world can have a record on the internet. Maybe it will stop an African youth from thinking that they should come to America. Maybe it would allow inmates to have funds when they are released from prison like white people have. My wish is for every black child worldwide to learn from this book about how racism work. Thank goodness It is now on the continent of Africa. One very important point. Realize that black people have a very low percentage of crime in comparison to white criminals. Black people have never started world wars, branding babies, or hunging people for being white. 

With a very first book I wrote that made me realize how much I love writing, I have always known that Africans are the majority. I have never had no interest in targeting the Europeans and the West. I am thinking that America is the mother of racism. African Americans spin more than 40 billion a year in this country. There is an organization in Georgia called Buy Black. Perhaps the American blacks should trade with the people on the continent directly. I am in the process of joining every podcast that's owned by blacks depending on the services and purpose. I noticed
 most of the older bloggers starts at about $5 a month. The one I saw in Africa was $9.99.

 THANKS: