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View Diary: Ohio bank still refusing to pay for stealing everything from woman's home (400 comments)

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  •  Sounds low to me. (22+ / 0-)

    They should have to pay for replacement value and outfitting an entire home is incredibly expensive. She had her stuff that she liked. She shouldn't have to go to yard sales to find clothes to wear, a bed to sleep on and dishes to eat off of.

    "Pulling together is the aim of despotism and tyranny. Free men pull in all kinds of directions.” --Lord Vetinari

    by voracious on Mon Jul 29, 2013 at 12:41:09 PM PDT

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    •  Hell yes (8+ / 0-)

      My clothes and shoes alone are probably worth thousands. I know I've spent at least a couple grand in the last 5 yrs, no counting the things I've made for my kids' weddings, or the stuff I've had for years before that.

      I have a piano too, and replacing that would not be cheap. Did they take appliances? A decent fridge is a grand by itself. A washer and dryer is another 600, minimum.

      And we won't even get into electronics - I have probably a couple grand in computer equipment, TVs, cameras, etc.

      We haven't even gotten into the furniture yet. Or the incalculable cost of souvenirs, photos, etc.

    •  Me too. I was a property insurance underwriter (13+ / 0-)

      for a small insurance company for many years and I can say that $18,000 doesn't seem like much at all.  Most homeowners policies set the Contents limit at 50 to 75 percent of the value of the home.  

      If this were a homeowners claim we would ask for an estimate of the amount of the loss and advance the homeowner a portion of that amount to begin making the purchases.  In order to obtain the full cost of replacement the insured would have to submit receipts for the items actually purchased.  This would prevent the insured from overestimating the values too much, while still allowing them to be made whole.

      It seems to me that this lady's estimate is very reasonable given that a decent stove and refrigerator can cost upwards of $2,000 and a living room set or bedroom set is about the same.  The bank should pay the $18,000 immediately and consider themselves lucky.  I'm sure they probably have some form of liability insurance to cover this.

      •  Reading between the lines (4+ / 0-)

        including inferring (from responses) the content of one or more comments that appear to have been deleted at the linked Channel 10 website ...

        There may be a little bit more going on here than meets the eye, and to me the little bit more makes the response of the bank worse because the bank thinks that the little bit more is a legitimate excuse.

        Seems like the house was a bit rundown, maybe cluttered, maybe with not very nice stuff that the bank manager probably wouldn't have in his own home.  Maybe the homeowner wasn't so respected in the community, or had some complicated situation going on that meant she wasn't living full-time in the house (if the electricity really was cut off).

        So bank thinks -- hey, this woman is scum and it doesn't really matter what we did, and she's trying to get too much out of us.

        To which I say -- BULLSHIT.  Because EVERYONE (even if their lives are complicated, and their houses are messy) deserves to be treated decently.  And what the bank and repo company did here was profoundly indecent.  And their seeming assumption that they can get away with it because she doesn't really count -- that's even more indecent.

        •  I dare such a judgemental person to go into any (5+ / 0-)

          artist's house, any writer's house, any serious passionate person's house and not find at least one room with serious clutter, when in the throws of creation.

          Throw in a couple of kids, or a more than full time job and you get a full blown mess often as not.

          Chances are, Chairman Snootypants has a maid and who knows who else that cleans up after his snobby butt, well it must be nice.

          The rest of us earthlings have to work, work, and many conduct their passions off hours, between family and house keeping.

          I bet you are right Silent no more. One man's trash is another man's treasure.

          Only thing is, we live in a culture that knows the price of everything but the value of nothing.

          Gentlemen, congratulations. You're everything we've come to expect from years of government training (Zed, MIB).

          by GreenMother on Mon Jul 29, 2013 at 03:49:49 PM PDT

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