Fort Walton Beach Council agenda — 03-26-13--regular — reading text

happened and you will then see a lot has happened to me all at once and just was a domino effect that just put me in this depression.  iluno0 g90 - JaAMM auLl lUOWa0J0 ;u3 apo0 Jo} lsanbaa : 9bZZ) Z 011.4 ase0 Z50- LO 030 : 3u8wyaallV ofr N a YmU I bought this property back in December of 2005 after working hard for years, a mostly by home since I have many injuries from previous accidents. I have had my jaw broken, two surgeries for my neck with titanium plates and screws, my lower lumbar and pelvic area bulges and hernias so it' s a big struggle everyday with these injuries. I wouldn' t go on disability since I knew I could make it mentally so went down that route instead. Boy, did I learn some valuable lessons about people who would say anything for money and just plain dishonest people. I have been told many times that I am gullible and believed everything someone says since I couldn' t understand why people would lie about things. Well. I found out the hard way. I am a single woman with three children and worked hard to achieve my goals to take care of my children all these years. Now, when I bought this home I bought it because I needed the space not only for my children, but knew I would need to move my parents in at one point to take care of them since my dad was ailing with COPD and Emphysema. I also was helping an elderly man that I heard about who was legally blind and death. I thought I would need to help him as well but he passed on. Well, about six months later after I bought the house there was a storm that blew water in my tresses and water started coming down in my living room. I called a friend to get tarp on the roof until the insurance company could see this damage and get this situation resolved. Well, that didn' t work out at all; the insurance person they sent out came to my house to check out the damage on my roof and told me that day I would have to pay for it, it was my fault. After they left the contractor went back on the roof and saw that the tarp was never cut to see what the damage was, so now knew they never got on the roof to access the damage and was lying to me saying it was my fault and I had to pay for it. Well, that was now a huge problem and I knew I would need an Attorney since they kept lying to everyone. Now, what I did was ask the inspector and an engineer (personally I paid for this) to go through my property to make sense of all of this and they did. The inspector told me he was smelling mold, not the mold you get in your bathroom from time to time, it was mold that he told me to get someone in and hire them to get samples for tests to see what kind of mold it was so I did. Well, I got the results back and it stated I had the black killer mold, stachybotrys. I then called the lab to understand what this means and they said get yourself and three children out now; this mold can kill  Alunoo E99 - JanieM aui3 3Ue WaUJU ;u3 apo0 Jo; JSanbOy : 917ZZ) Z 0113 ase0 Z99- LO 930 3uaw40e33V Nr N am YU you, so I did exactly what they said. Now, my children and I have never been a a R part and I was trying to place them in different houses while I see what in the world to do. We couldn' t take much out cause they said that the mold will adhere to everything and grow so we lost all my children and family memorabilia, furniture, clothes, shoes, you name it we lost everything, and I was sick about this happening. When I found this out I also showed the insurance company what the lab says and they ignored this and ripped out all my ceilings, which later I found out that when they did this it spread all over my home. I would have thought that the insurance company would know this, especially since hurricane Katrina where this mold grew on their homes. Well, the lies kept coming and I had to fight. I had to pay for an Attorney, experts, rental homes while paying my mortgages and everything else I had to pay for. By the way, now since they spread that killer mold all over my house it had to be demoulaged so, now we don' t have a home for my family and me. I had to pay for the mortgages on top of rentals, coupled with starting from scratch like clothes; all the necessities that my children and I needed, I had to have and lost all my children' s and families memorabilia. That was a big blow to all of us, it really was another expense. Now, at the same time I was dealing with this situation, I also had put my money into a financial instruction that I specifically told this employer that I only want a money market account, I will never put my money tied to any stocks, I just didn' t believe in it. I also told him that if I needed my money I can get it out anytime, so knew that this money and interest was sitting in my account, I was mistaken, boy was I mistaken. Anyway, I asked this person at the financial institution to open another account just like the one I has so he sent me the paperwork to sign and that' s where he got me. I didn' t know he changed my accounts without my knowledge tying into the stock market for his pure greed intentions. Since I thought my money was sitting in a money market account thinking it was growing interest, I also had my IRS money in there as well. I didn' t pay too much attention to the accounts since I knew I was firm on not tying my money to any stock market, just a simple money market, well I was wrong. When I opened the second account he took me for a loop this way and tied allll the money and interest into the stock market. He did this and did it for the greed he  tilunoo £OH - JeAIRM auid luawavo ;u3 apoo joy lsanbeH : HYZZ) Z apd aseo Z98 -LO Sao : 1u8w4oe11V OW N aOI Ya UA had trying to make as much money as he could with selling and trading the stock a money and this was when the stock market was pluming down and I had no idea what was going on. Why would I have to check my money when I knew I had a simple money market, well he got me then! He got me when I wanted another account. That' s when he changed the document to tie into the stock market, how pathetic was this for this man to do, it was horrifying when I found out. He had beaded me dry for my money and I had all these bills piling up with my home and trying to start from scratch with my children and I. he also lost my IRS money, so now I am devastated and started going into depression. I am going to try and fight this financial institution since before I was so depressed I couldn' t handle anything else, but all this was not the only thing I would have to fight, read on. Now, while all of this was going on I had put a property under contract in the Bahamas that I was working on to get this property to a level that I could sell it off before I would have to close on it. Well, the contract specifically stated I wouldn' t have to close on this property until I got a development order. Now, when I got the master plan done and showed this Attorney for the property, all of a sudden everything changed. This Attorney told me I had to close on this property before the developing order and had to find out the hard way I couldn' t get another Attorney in the Bahamas to fight this; they all stick together and couldn' t get help at all. I even went to a US international Attorney and they even took me for a ride. I thought the law is the law and you have to abide by it, but not them, not one of them did. This property would have made so many jobs for the US and the Bahamas, so thought I was doing the right thing here, I was but they weren' t. Now, I was fighting all of these problems concerning the insurance company and I was trying to work 24/ 7 from home on the phones trying to get the money back and couldn' t. I then started to go downhill mentally and physically. I couldn' t deal with anything anymore and just couldn' t get anything straight anymore. I had no money because of this, starting from scratch, no IRS monies to pay all, I had nothing and still do. My children and I was just a mess, everyone is everywhere, and I had to go and live with my mother and father. I didn' t want to do anything, I just couldn' t, I shut down and mentally and physically couldn' t do anything else. My father was now ailing with COPD and emphysema. I was trying  luluno3 Egg - JanieM aui3 lUawaUJ0 ;u3 apop joy lsonbaH : 94ZZ) Z aO3 ase3 Z98-GO 830 3uawyoelltl m n acm aYU to help him as much as I could since my mother is 80 years old and just couldn' t a really handle this but didn' t want my parents to know this. I had take on too much by myself. I didn' t want my dad and mom worrying about me. My parents knew anyway but I tried to not let them know 1 was breaking down. On top of everything I lost my father. We all were devastated from all of this and it added more on me with seeing my mother losing my father and everyone else as well. Now, I hope you can see where my head was then, and I really didn' t even think I had to go to see you since I fixed the problems for cleaning the lot up. I am thinking that when I was supposed to go I was dealing with my father and cancelled the meeting because he was dying. I reallyjust didn' t get it about these liens and thought I fixed the problem. I also remembered I called the second time and canceled it since my daughter' s best friend lost her mother suddenly, and it was on the same day, so I was there with her. She hardly has any family so wanted to be there for her, it was just horrible, absolutely horrible how she died. I am a person that will help anyone in need, I care about others. On the other hand I also can' t tolerate people lying to people to gain money and not take responsibility that this insurance tried to do with me and my property. I do have to see how I can fight this financial institution since it' s been around five years, I just couldn' t take anything else. Anyway, I am now trying