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Cymrygirl

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  1. Thanks for the reassurance. We are at my in-laws' for Thanksgiving, so I don't have the documents right handy, but when we get home tomorrow I will check. As far as I know, the only discrepancy is that the 8 and 9 are transposed on the documents. The tax bill, which I checked a couple weeks ago, gives our address as 89, and our homestead exemption sticker for 2017 came right to us. I can tell you that, when we get the mortgage payment coupon, many times the post office has written "89" on the envelope, but they've never given us a problem with delivering correspondence. The only thing I can think of that might have happened is this: on the same property sits an old chicken house that my dad, several years ago, used as a shop to store his tools and other things like lawn machines. He had power run to the shop, and had to have an address associated with it, so I think that's where the 98 came from. At least that's how my husband remembers it. Our double-wide sits next to the shop. We got the property in a land-home package, and we bought the property from my mom and my aunt. It used to be part of my Granddaddy's cow pasture. In fact, my husband said last night that he thinks he remembers it actually being two small lots that were combined into one when we bought it. It's been so long ago that I don't remember, but I do know we have a survey map in our paperwork and the tax bill comes to the 89 address. I just didn't know if the mortgage company would come back later and give us a problem if I suddenly said "no, the mailing address is different." Happy Thanksgiving!
  2. The address on our mortgage paperwork has been wrong ever since we've had it (about 10 years). We didn't even realize it for quite a while ourselves. Frankly, I don't even think about it that often, in the busyness of life, but when I do think about it, it really bothers me. I don't know how it got mixed up, but our property address number is supposed to be 89. It's 89 on our mailing address and it's 89 on our property tax bill. However, on our mortgage paperwork and to our mortgage company, it's 98. When we refinanced with a different company a couple years ago, we brought this up when we signed the paperwork with the attorney who came to our home, and we were told it would be fixed, but it never was, even though he crossed out "98" and wrote "89" on the paperwork we signed. In fact, we had to send the mortgage broker an e-mail saying we were aware that the property address and the mailing address were different, which was fine with us, and we thought nothing else of it. Since then, the refinance has been sold to a different mortgage company, as often happens. There seems to be no problem with the tax bill being paid to our county. They always apply the tax payment from our escrow to the correct property, so the plat number, etc., seems to be fine. However, I am concerned that something might come up about it down the road somewhere, perhaps in connection with insurance (such as if we have a problem that needs to be fixed), or having to do with whether we actually own the property once we pay it off. Whenever I have called the mortgage company about it and they have asked me if the property address and our mailing address were the same, I must admit that I have said yes because they have given me grief about it in the past and when I've called them, I just want to resolve the problem I'm calling them about. I want to fix this, but I am afraid it will create more problems than it will fix, or that it will take a lot of money to fix. Please advise me as to if this is a problem, and if so, how much of a problem it could be and how best to fix it. I really stress about this sometimes. I have read some answers to this and similar questions online and they seem to suggest that as long as the lot number, etc. is correct, there's no real problem. Thanks. Deana S.
  3. We live in Georgia. As to what I would like done, I really just want mostly to pay the money if I have to and get it behind us. I'm sorry for so much detail, but I didn't want to leave anything out and it was, I admit, partly a vent because it was very stressful having a mom talk like that to me about my child, suggesting he was "disturbed" and threatening to go to the superintendent (for whatever reason, maybe to have him suspended -- she never really said). I guess I was wondering if she could really get him banned from school when he has never sent her anything threatening. I'm beginning to wonder if maybe she was more just upset by the "greedy money" message he had sent to her before she called me and was going off on that than anything else, kind of throwing her weight around, so to speak. This also came on Monday, a day after I had a seizure for the first time on Sunday and was still recovering from that. I decided to wait until Son 2's regular p-doc appointment in 2 weeks and address this then if necessary than to get a sooner appointment. He's not in danger of hurting himself or anyone else, and if the mother of his friend has "gone to the superintendent," we haven't heard anything yet. I suppose I am mostly wondering what our legal obligation is here. If he took the money, he took it and needs to repay it (he says he felt they owed him for some work he had done for them, but I know of no agreement he made with them), and I know many times parents are responsible for the actions of their minor children, so I'm wondering if we have any liability there. When this started, the $100 was being deducted from Son 1's PayPal, which he wasn't expecting and which he contested at the time (not knowing), and as far as I know, that is still under review. Now, where the $280 amount came from, I'm not sure, but we can pay it if need be. It was just kind of weird that the mom said she wasn't as concerned about getting the money back as she was about our "seriously disturbed" son.
  4. Our 15-year-old son, on a visit to a friend's house several months ago, was given PayPal access to the family's PayPal account by either his friend or the family. He subsequently spent $280 on games, to which he readily admits his wrong. When I first found out about this, the amount was supposed to be only $100, and my older son (Son 1), who also has a PayPal account, was going to just pay it and let our younger son (Son 2) pay him back from grass-cutting money they get from their grandmother. Yesterday, Son 1 was contacted by Son 2's friend's older brother, who is supposedly in law school. He was asking Son 1 for our phone number for his mother to call us to discuss the matter. I gave consent, and she called. I answered the phone, and she started in on what a liar and a thief our son was, how he had "played on their heartstrings" by saying I had cancer, and, when I offered to work out repayment, she said her concern about the money was secondary to our "seriously disturbed" son. She said she had spent 25 years in counseling and he was "seriously disturbed." She said he had sent her a Facebook message that he would get her "greedy money" to her as soon as he could. She kept harping on that phrase, "greedy money," and said she was concerned he might pose a threat by bringing a weapon to school (which begins in a few weeks), so she was planning to take the message to the school superintendent and maybe have Son 2 suspended or whatever. She never really said in so many words WHAT she planned to suggest to the superintendent, but that seemed to be the gist of her words. She talked at length about how she dropped her son off at school every day and picked him up every day and how concerned she was about her son's safety, etc., which is certainly every parent's concern, but the way she talked so derisively about our son, it seemed she was casting aspersions on him. Our Son 2 had a girlfriend last school year (he was in 9th grade, and turned 15 during the school year), and she broke up with him around March or so. This caused him to entertain thoughts of harming himself, but he asked us for help before he ever did anything, so we got him in with a psychiatrist who started him on an antidepressant. As time went by, we found a child/adolescent psychiatrist, and he has had 2 visits with him so far, and is so far diagnosed with social anxiety. His next appointment with the p-doc is in 2 weeks. At first, I was going to see about getting him in this week, but I can't really see what good that would do in getting the money back to her, which is my main concern right now. As for telling them I had cancer, I was diagnosed back in Oct-Nov. 2012 (last year) with anemia and hypothyroid. When I was diagnosed with anemia, and before we knew a lot about it, my husband and I had more than one conversation about the possibility of it being cancer. My dad had non-Hodgkin's lymphoma and my grandfather (his dad) had leukemia, so the possibility was certainly there. We even added a cancer policy to my benefits package during Open Enrollment at work (Oct-Nov), and Son 2 no doubt overheard us talking about cancer. He even said as much when I asked him yesterday how he had gotten the idea (without mentioning his dad-and-my conversation). Whether he actually thought I could have cancer or just "used" it, I don't know. Just because he's my son doesn't mean he's immune to wrongdoing. In fact, the only time we ever were called to the school was a couple months ago before school let out when he and a girl had gotten into an argument and had texted mean things to each other that were being considered bullying. She showed his texts to administration and we got called in. She got talked to also, however, when her own posts to him came to light. The incident ended, and we have heard no more about it. In fact, Son 2 says they are friends now. Son 2 has his problems from time to time, just as other teenagers do. He deals with anger and shooting off his mouth sometimes, and I have tried to caution him about both. I don't see, however, how a Facebook post about "greedy money" could possibly constitute a physical threat on Son 2's part. I'm happy to pay the money back, and I have told this mother that. I don't know whether or not she will follow through on taking the Facebook post to the principal or superintendent, but I would like to have some idea as to how to proceed. I have told Son 2 to NOT contact the boy or any of his family in the meantime. We normally live a quiet country life, don't bother anyone, and are generally law-abiding people, so yesterday's strident phone call from this mother was kind of "shock-and-awe," and I was at a loss for words. Besides the fact that she was talking a mile a minute, all I could muster besides my offer to repay was "uh-huh, yeah, right . . ." whenever she paused for breath. I also created a Google document detailing the conversation and events of yesterday and the events surrounding it in case we ever need it, right down to the time of day when she called. Any thoughts on this would be greatly welcomed. Thanks.
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