Right now, Fox News is trying to paint Barack Obama as foreign,
un-American, suspicious, and scary. They're trying to send Americans
the message that our country's first viable Black candidate for
President is not "one of us."
I've joined on to ColorOfChange.org's campaign to push back on Fox,
publicly demanding they stop their race-baiting and fear mongering. If
that doesn't work, then we'll go to their advertisers and the FCC. I
wanted to invite you to sign on as well. It takes only a moment:
http://www.colorofchange.org/foxobama/?id=1908-212062
Here's what happened recently:
After Senator Obama won the nomination, he and his wife gave each other
a "pound" in front of the cameras. Fox anchor E.D. Hill called the act
of celebration a "terrorist fist jab." Then last week, a Fox News
on-screen graphic referred to Michelle Obama as "Obama's baby
mama"--slang used to describe the unmarried mother of a man's child. It
was a clear attempt to associate the Obamas with negative cultural
stereotypes about Black people, an insult not only to Michelle Obama
but to women and Black people everywhere.
After each of the incidents mentioned, Fox issued some form of weak
apology. But what does it mean when you slap someone in the face,
apologize the next day, then slap them again on the third? It means the
apology is meaningless.
These aren't one-time incidents--they're part of a pattern that
continues no matter how often Fox is forced to apologize. Fox has a
clear record of attacking and undermining Black institutions, Black
leaders, and Black people in general.
If we don't push back now, we will see more of the same from now until
November. Please join me in helping to bring an end to Fox's behavior.
http://www.colorofchange.org/foxobama/?id=1908-212062
Thanks.
June 29, 2008
Fox TV
June 16, 2008
June 15, 2008
Real People Realty & Gerald and Geraldine Crosswell: Lien placed on the sale of their property
Update: June 27, 2008
On June 26, 2008 I received a check in the mail for $1000.00 from Ms. Dorothy Brown, Clerk of the Circuit Court of Cook County, Illinois. This is my earnest money. I still have not received the court ordered $414.00 from Gerald and Geraldine Crosswell. The court issued an order on May 15, 2008 stating I would get $1000.00 earnest money and $414.00 from Gerald and Geraldine Crosswell.
On May 15, 2008, I placed a Lien on Gerald and Geraldine Crosswell's property in the amount of $414.00 located at 401 E. 167th Street, Harvey Illinois. Placing a Lien on this property cost me $48.50. The Crosswell's have obtained a different real estate company to sell their home. Real People Property is now the Real Estate brokers.
On May 16, 2008 I faxed Real People Property at 815-364-2781 sending them the court order with the seal and stamp from the Cook County Recorder of Deeds stating that a Lien was on this property. I called 815-852-0693 and talked to Lisa about this Lien. She confirmed receiving the fax. I also faxed these documents to Maria and Juvenal Herrera at 708-960-4079. I called their work number at 708-957-5249 and informed them I was sending them the fax and that there was on Lien on the property they were selling. As of June 27, 2008, I have not received any correspondence from Maria and Juvenal Herrera or from Gerald and Geralding Crosswell. I will call Maria and Juvenal Herrera on June 27, 2008 requesting an update on the sell of this property.
Update: April 17, 2008
On or about April 14, 2008 I received a response to my subpoena to Attorney Mary Jane Chapman, to which I requested a copy of the "Authorization to Release Earnest Money" that was signed by the seller and myself. On this "legal" document, the seller wrote: "I want half of the earnest money to cover my expenses for request repairs as per inspection report, an waiting for you to get loan. Thank you Geraldine Crosswell."
This is bogus. Coldwell Banker accepted this statement to hold my earnest money. When I signed this document, it did not have the statement by the seller on it. Coldwell Banker accepted an altered "legal" document to hold my earnest money.
On another note: On April 3 2008 I requested from the Cook County Sheriff's Office a complaint form to file against Deputy Sheriff Hill in Room 209. I received this complaint form from the post office on April 16, 2008. I spoke to Investigator Farley about this request of a complaint form on April 3, 2008. Investigator Farley called me and informed me it was at the post office. I had my wife pick it up.
This complaint is against Deputy Sheriff Hill in room 209 of the Markham Courthouse. Deputy Sheriff Hill discriminated against me with indifferent treatment while I litigated this case. Deputy Sheriff Hill stated to me in open court and in a loud, obnoxious voice, "sit down, can't you read the sign. No one is permitted to approach the clerk while the Judge is on the bench." Deputy Sheriff Hill allowed attorneys to approach the clerk while the Judge was on the bench. I am pro se in this case. I am acting as my own attorney. I am held to the same standards as an attorney, while litigating my own case.
Update: April 15, 2008
I did not contact this agency to regulate the seller or to capture my funds for me. I contacted this agency alleging wrongful conduct on the part of Coldwell Banker and Frances Zeleznik. This agency decided to error on the side of the Real Estate company, and use the seller and money to distort their responsibility.
I sent the letter dated March 20, 2008 to the Illinois Department of Financial and Professional Regulations on March 20, 2008 requesting they wait until to make a ruling on the charge I brought against Coldwell Banker and Frances Zeleznik. Instead of delaying their findings, I received this letter on or about April 1, 2008:
Illinois Department of Financial and Professional Regulation, Division of Professional Regulation, Dean Martinez, Secretary; Daniel E. Bluthardt, Director
3/26/2008
Ms Nance Jr.
Re: Frances J. Zeleznik
2008-01150
Dear Mr Nance Jr.:
The Real Estate Division has completed its review into the aforementioned matter. After careful review by the Board, the file has been closed. This agency cannot order the return of funds. Your issue with the seller is a private contractual dispute that is outside of the jurisdiction of this agency. This agency does not regulate sellers.
This office can only impose discipline on a real estate licensee if the matters alleged represent a violation of the Real Estate License Act. Not all aspects of a real estate transaction fall under the jurisdiction of the Real Estate License Act. You may wish to consult your own attorney as you may have other remedies available to you.
Thank you for the inquiry.
Sincerely,
Complaint Intake
Update: April 12, 2008
On April 3, 2008 this case was continued to May 15, 2008 because the Honorable Judge Camille E. Willis was absent. I sent a subpoena to Mary Jane Chapman requesting she send me a copy of the “Authorization to Release Earnest Money” that Ms. Crosswell states she signed telling her that it was reported Ms. Crosswell signed the release and wrote a statement suggesting she wanted $500.00 of Mr. Nance earnest money. I also sent a subpoena to Angela White by certified mail. I received a receipt stating Ms. Angela White's office received my certified mail and her subpoena. The Sheriff's department failed to serve Ms. White with a complaint stating they could not get a response with the address on their paperwork. The address on my certified mail is the same address on the Sheriff's paperwork.
March 20, 2008
Re: Case # 08 M 60867
On March 20, 2008 the Honorable Judge Camille E. Willis continued this case until April 3, 2008. Judge Willis requested I draft this letter and send it to: Ms. Cookie Zeleznik and Attorney Mary Jane Chapman. I requested this letter be sent also to: Attorneys Leonard D. Litwin and John C. Clavio, along with subpoenas to appear in open court regarding this matter. Judge Willis stated she had no problem with my request.
Judge Willis emphatically stated she wanted Ms. Zeleznik and Ms. Chapman back in court because defendant Geraldine Crosswell stated she signed the “Authorization to Release Earnest Money” and told Ms. Zeleznik to give Nance his earnest money. Also, defendant Geraldine Crosswell stated that Attorney Clavio’s administrative assistant told her she told Ms. Zeleznik that Ms. Crosswell said give Mr. Nance his earnest money.
I, Fred L Nance Jr., informed Judge Willis that I asked Attorney Mary Jane Chapman for a copy of the “Authorization to Release Earnest Money” that Ms. Crosswell states she signed telling her that it was reported Ms. Crosswell signed the release and wrote a statement suggesting she wanted $500.00 of Mr. Nance earnest money.
I, Fred L Nance Jr., informed Judge Willis that Attorney Mary Jane Chapman ignored my request for a copy of this document. Ms. Crosswell admitted to Judge Willis in open court she wrote a statement requesting $500.00 but informed Judge Willis that she told Ms. Zeleznik to give Mr. Nance his earnest money back.
Judge Willis stated I should put in this letter that she wants Coldwell Banker to bring the whole file in this case to court on April 3, 2008.
Therefore, it is ordered by this court that Cookie Zeleznik and Mary Jane Chapman appear on April 3, 2008. The order from the court is attached to this letter. Judge Willis told me to send this letter and the order by certified mail to Ms. Cookie Zeleznik and Attorney Mary Jane Chapman. I will also send this letter, the orders from the court and subpoenas to Attorneys Litwin and Clavio.
Respectfully submitted,
Fred L Nance Jr., ABD, MA, CADC, NCRS
cc: Honorable Judge Camille E. Willis
Update: March 6, 2008
The Cook County Sheriff Department made service of the civil complaint on Crosswell and Coldwell Banker on March 5, 2008.
Update: February 28, 2008
I received 2 letters from the Illinois Department of Financial and Professional Regulation, 1 dated on February 21, 2008 and the other dated February 22, 2008. The letters list Frances Zeleznik as the complainant instead of Coldwell Banker. The letters appear to be "generally" formatted stating in part "This letter acknowledges receipt of the information you submitted...Your correspondence wil be reviewed to determine whether the conduct, as set forth in your complaint, merits an investigation pursuant the Agency's authority under the Illinois Real Estate License Act of 2000...Please note that the Act allows for discipline or remedial action to be taken against a real estate licensee. The agency cannot act as your advocate and cannot seek any private redress, money damages or otherwise, on your behalf...."
Basically, the Illinois Department of Financial and Professional Regulation will not pursue any avenues toward a consumer getting their money back from unscrupulous companies and the people they represent.
This is why I pursued litigation on my own. I am familiar with the systems we have in place. What about those consumers who do not know how real estate agents and the companies they work for operate. I will write more about this later.
Update: February 22, 2008
I filed a civil complaint in this matter on February 22, 2008. This complaint can be found on http://clickforjusticeandequality2.blogspot.com/
Update: February 20, 2008
Coldwell Banker is getting ready to "take" some other poor soul's Earnest Money for the property located 401 East 167th Streeet, Harvey Illinois.
I called Mr. Oster of Coldwell Banker on February 19, 2008. Mr. Oster informed me "their" client has not signed the release for my "Earnest Money." Mr. Oster stated to me, "...as far as I know, the lawyers are handling things." I informed Mr. Oster my lawyer, Leonard Litwin, is not participating in any negotiations with the seller's lawyer, John Clavio about my "Earnest Money." I informed Mr. Oster I would begin civil litigation on this matter. Mr. Oster stated, "...I guess you got to do what you have to do...."
I informed Mr. Oster that Coldwell Banker still has their sign posted on the Crosswell's property. I asked Mr. Oster if they were still trying to sell the Crosswell property. Mr. Oster states Coldwell Banker is still trying to sell the property.
Update: February 16, 2008
I have not heard anything from Coldwell Banker's manager Jim Oster or the seller, Gerald & Geralding Crosswell about the return of my Earnest Money. I called Mr. Oster office on February 16, 2008 at approximately 10:36 AM leaving a message on his voice mail requesting my Earnest Money. I left a message on Mr. Oster voice also stating as Coldwell Banker is the legal agent for the seller and possesses the Earnest Money, that they should sign in place of the seller having knowledge I have a right to my Earnest Money. I will await Mr. Oster's return call for a response.
February 8, 2008
The Illinois Department of Financial and Professional Regulation, Division of Professional Regulation sent me mail informing me I had to complete their "Consumer Services Inquiry Form." I completed the form and fax it to their Chicago Office; to the attention of Karen Konstant. I faxed 31 documents related to this issue.
Since I have not received my "Earnest Money", I plan to file a civil complaint against Coldwell Banker, Cookie Zeleznik, Gerald Crosswell, Geraldine Crosswell, Chicago Association of Realtors/Chicago Realty Network, Angela White and John Clavio.
The courts generally wants a litigant to exhaust all administrative remedies before bringing claims to the court.
I will continue to update this issue as I receive information. The public must be made aware of how the consumer is treated by Real Estate Companies and their brokers.
February 5, 2008
On February 4, 2008 my lawyer, Attorney Leonard Litwin, received a voice mail from the sellers Attorney, John Clavio, who states: "...he has repeatedly told his client (Gerald & Geraldine Crosswell) and the broker (Coldwell Banker) to release the money...I don't know what more I can do...I can only recommend...I cannot control these people." My attorney states there is no grounds to keep my money.
February 4, 2008
Beware! Beware! Consumers Beware! Never put up "Earnest Money" or spend any kind of money unless a mortgage company has received "approval" for your loan!!!!!!!!!!!!
The real culprit in my case is the mortgage company, that is, Chicago Association of Realtors/Chicago Realty Network and Coldwell Banker.
How many people are losing their homes because of foreclosures? These loses are a direct result of mortgage companies getting people into homes they could never have afforded in the first place.
In my case, a mortgage company told me I was "pre-approved." After telling me I was pre-approved, I was told I have to put up "Earnest Money" to secure the deal. After I put the "Earnest Money", I was told I need to get an inspection. After the inspection, I had people calling me from the mortgage company asking me for more information to improve my credit for the loan.
Wait a minute!!!! I thought I was approved already. After putting up "Earnest Money" totalling $1000.00 and $300.00 for an inspection report, the mortgage company told me I needed additional documentation, and that, I had to pay off some of my debt before I could be approved for the loan they already told me I had.
I will give you more information about this issue in the upcoming days.
February 2, 2008
Department of Financial and Professional Regulation
Division of Professional Regulation
Complaint Intake Unit
100 West Randolph Street, Suite 9-300
Chicago, Illinois 60601
Coldwell Banker
Mr. Jim Oster, Manager
Southeast Office
2 River Place, Suite K
Lansing, Illinois 60438
Re: Property located at 401 E. 167th Street, Harvey Illinois 60426 and Earnest Money
Mr. Jim Oster:
On February 2, 2008 I called Real Estate Broker Cookie Zeleznik requesting information about my Earnest Money. Ms. Zeleznik informed me she was still waiting for her client Gerald and Geraldine Crosswell to sign the release for my Earnest Money. I called and spoke to Geraldine Crosswell. Ms. Crosswell informed me she signed the document and sent it to her attorney/Ms. Zeleznik, but requested $500.00 of my Earnest Money because I made her fix things in her “house” knowing I could not get a loan to purchase the property. The things Ms. Crosswell fixed were requested items of the Village of Harvey in order for her to sell her property and were similar items listed in the inspection report of Tri-County Securement Company, which cost me $300.00.
On or about November 15, 2007 I, Fred L Nance Jr., entered into a Real Estate Sale Contract as the buyer with Gerald and Geraldine Crosswell as the seller for their property located at 401 E. 167th Street, Harvey Illinois 60426. I put up $1000.00 Earnest Money with this contract. This property was an attempt by me to purchase “income” property.
The Seller’s Real Estate Broker is Cookie Zeleznik. My Real Estate Broker is Donna Atkins. The Real Estate Contract was created by Chicago Association of Realtors/Chicago Realty Network, which Donna Atkins is associated. Cookie Zeleznik works for Coldwell Banker in Lansing Illinois, which holds my Earnest Money.
The sellers Gerald and Geraldine Crosswell’s attorney is John Clavio, located at 10277 West Lincoln Highway, Frankfort, Illinois 60423. His phone number is 815-464-8290. My attorney is Leonard Litwin located at 205 West Randolph Street, Suite 1410, Chicago Illinois 60606.
In middle December 2007, I was informed by Ms. Angela White of Chicago Realty Network the credit scores of my wife and I would not allow us to purchase the property. On December 19, 2007 my real estate broker Ms. Donna Atkins faxed me an “Authorization to Release Earnest Money”, which my wife and I signed faxing it back to Ms. Atkins. Ms. Atkins forwarded this document to Ms. Cookie Zeleznik.
On or about January 2, 2008, I called Ms. Zeleznik requesting my Earnest Money. I informed Coldwell Banker representative Cookie Zeleznik I could not purchase the “income” property because of our credit scores, requesting Coldwell Banker release my Earnest Money. Ms. Zeleznik suggested I try one of her mortgage lenders at Coldwell Banker for a second opinion before they released the Earnest Money. I agreed.
On or about January 17, 2008, Ms. Zeleznik engaged me with mortgage advisor Mike Cawley of Coldwell Banker. On or about January 18, 2008 after review, Mr. Cawley informed me the credit scores of my wife and I was not going to allow me to purchase the “income” property. I immediately called Ms. Zeleznik requesting the $1000.00 refund of my Earnest Money.
No one has called since Mr. Cawley of Coldwell Banker informed me on January 18, 2008 the credit scores of my wife and I would not allow purchase of the said property. Therefore, on February 2, 2008 I called Ms. Zeleznik about my Earnest Money. Ms. Zeleznik informed me she had not heard from the seller.
Now therefore, I request my Earnest Money, with interest from Coldwell Banker. I request the Office of Banks and Real Estate/Illinois Department of Financial & Professional Regulation investigate and find Coldwell Banker and its agents liable for my Earnest Money. In addition, I request this entity find Attorney John Clavio at fault for not advising his client of her error. If this entity does not have jurisdiction over this attorney’s non-actions, I will file a complaint with the Attorney Registration and Disciplinary Commission.
Respectfully submitted,
Fred Nance Jr., ABD, MA, CADC, NCRS
cc: Mr. Leonard Litwin, Attorney at law
Mr. John Clavio, Attorney at law
http://click.townhall.com/
http://clickforjusticeandequality.blogspot.com/
Cookie Zeleznik, Coldwell Banker Broker
Donna Atkins, Real Estate Broker
All copies of this letter are sent to the parties above by fax, email and U.S. Mail.
On June 26, 2008 I received a check in the mail for $1000.00 from Ms. Dorothy Brown, Clerk of the Circuit Court of Cook County, Illinois. This is my earnest money. I still have not received the court ordered $414.00 from Gerald and Geraldine Crosswell. The court issued an order on May 15, 2008 stating I would get $1000.00 earnest money and $414.00 from Gerald and Geraldine Crosswell.
On May 15, 2008, I placed a Lien on Gerald and Geraldine Crosswell's property in the amount of $414.00 located at 401 E. 167th Street, Harvey Illinois. Placing a Lien on this property cost me $48.50. The Crosswell's have obtained a different real estate company to sell their home. Real People Property is now the Real Estate brokers.
On May 16, 2008 I faxed Real People Property at 815-364-2781 sending them the court order with the seal and stamp from the Cook County Recorder of Deeds stating that a Lien was on this property. I called 815-852-0693 and talked to Lisa about this Lien. She confirmed receiving the fax. I also faxed these documents to Maria and Juvenal Herrera at 708-960-4079. I called their work number at 708-957-5249 and informed them I was sending them the fax and that there was on Lien on the property they were selling. As of June 27, 2008, I have not received any correspondence from Maria and Juvenal Herrera or from Gerald and Geralding Crosswell. I will call Maria and Juvenal Herrera on June 27, 2008 requesting an update on the sell of this property.
Update: April 17, 2008
On or about April 14, 2008 I received a response to my subpoena to Attorney Mary Jane Chapman, to which I requested a copy of the "Authorization to Release Earnest Money" that was signed by the seller and myself. On this "legal" document, the seller wrote: "I want half of the earnest money to cover my expenses for request repairs as per inspection report, an waiting for you to get loan. Thank you Geraldine Crosswell."
This is bogus. Coldwell Banker accepted this statement to hold my earnest money. When I signed this document, it did not have the statement by the seller on it. Coldwell Banker accepted an altered "legal" document to hold my earnest money.
On another note: On April 3 2008 I requested from the Cook County Sheriff's Office a complaint form to file against Deputy Sheriff Hill in Room 209. I received this complaint form from the post office on April 16, 2008. I spoke to Investigator Farley about this request of a complaint form on April 3, 2008. Investigator Farley called me and informed me it was at the post office. I had my wife pick it up.
This complaint is against Deputy Sheriff Hill in room 209 of the Markham Courthouse. Deputy Sheriff Hill discriminated against me with indifferent treatment while I litigated this case. Deputy Sheriff Hill stated to me in open court and in a loud, obnoxious voice, "sit down, can't you read the sign. No one is permitted to approach the clerk while the Judge is on the bench." Deputy Sheriff Hill allowed attorneys to approach the clerk while the Judge was on the bench. I am pro se in this case. I am acting as my own attorney. I am held to the same standards as an attorney, while litigating my own case.
Update: April 15, 2008
I did not contact this agency to regulate the seller or to capture my funds for me. I contacted this agency alleging wrongful conduct on the part of Coldwell Banker and Frances Zeleznik. This agency decided to error on the side of the Real Estate company, and use the seller and money to distort their responsibility.
I sent the letter dated March 20, 2008 to the Illinois Department of Financial and Professional Regulations on March 20, 2008 requesting they wait until to make a ruling on the charge I brought against Coldwell Banker and Frances Zeleznik. Instead of delaying their findings, I received this letter on or about April 1, 2008:
Illinois Department of Financial and Professional Regulation, Division of Professional Regulation, Dean Martinez, Secretary; Daniel E. Bluthardt, Director
3/26/2008
Ms Nance Jr.
Re: Frances J. Zeleznik
2008-01150
Dear Mr Nance Jr.:
The Real Estate Division has completed its review into the aforementioned matter. After careful review by the Board, the file has been closed. This agency cannot order the return of funds. Your issue with the seller is a private contractual dispute that is outside of the jurisdiction of this agency. This agency does not regulate sellers.
This office can only impose discipline on a real estate licensee if the matters alleged represent a violation of the Real Estate License Act. Not all aspects of a real estate transaction fall under the jurisdiction of the Real Estate License Act. You may wish to consult your own attorney as you may have other remedies available to you.
Thank you for the inquiry.
Sincerely,
Complaint Intake
Update: April 12, 2008
On April 3, 2008 this case was continued to May 15, 2008 because the Honorable Judge Camille E. Willis was absent. I sent a subpoena to Mary Jane Chapman requesting she send me a copy of the “Authorization to Release Earnest Money” that Ms. Crosswell states she signed telling her that it was reported Ms. Crosswell signed the release and wrote a statement suggesting she wanted $500.00 of Mr. Nance earnest money. I also sent a subpoena to Angela White by certified mail. I received a receipt stating Ms. Angela White's office received my certified mail and her subpoena. The Sheriff's department failed to serve Ms. White with a complaint stating they could not get a response with the address on their paperwork. The address on my certified mail is the same address on the Sheriff's paperwork.
March 20, 2008
Re: Case # 08 M 60867
On March 20, 2008 the Honorable Judge Camille E. Willis continued this case until April 3, 2008. Judge Willis requested I draft this letter and send it to: Ms. Cookie Zeleznik and Attorney Mary Jane Chapman. I requested this letter be sent also to: Attorneys Leonard D. Litwin and John C. Clavio, along with subpoenas to appear in open court regarding this matter. Judge Willis stated she had no problem with my request.
Judge Willis emphatically stated she wanted Ms. Zeleznik and Ms. Chapman back in court because defendant Geraldine Crosswell stated she signed the “Authorization to Release Earnest Money” and told Ms. Zeleznik to give Nance his earnest money. Also, defendant Geraldine Crosswell stated that Attorney Clavio’s administrative assistant told her she told Ms. Zeleznik that Ms. Crosswell said give Mr. Nance his earnest money.
I, Fred L Nance Jr., informed Judge Willis that I asked Attorney Mary Jane Chapman for a copy of the “Authorization to Release Earnest Money” that Ms. Crosswell states she signed telling her that it was reported Ms. Crosswell signed the release and wrote a statement suggesting she wanted $500.00 of Mr. Nance earnest money.
I, Fred L Nance Jr., informed Judge Willis that Attorney Mary Jane Chapman ignored my request for a copy of this document. Ms. Crosswell admitted to Judge Willis in open court she wrote a statement requesting $500.00 but informed Judge Willis that she told Ms. Zeleznik to give Mr. Nance his earnest money back.
Judge Willis stated I should put in this letter that she wants Coldwell Banker to bring the whole file in this case to court on April 3, 2008.
Therefore, it is ordered by this court that Cookie Zeleznik and Mary Jane Chapman appear on April 3, 2008. The order from the court is attached to this letter. Judge Willis told me to send this letter and the order by certified mail to Ms. Cookie Zeleznik and Attorney Mary Jane Chapman. I will also send this letter, the orders from the court and subpoenas to Attorneys Litwin and Clavio.
Respectfully submitted,
Fred L Nance Jr., ABD, MA, CADC, NCRS
cc: Honorable Judge Camille E. Willis
Update: March 6, 2008
The Cook County Sheriff Department made service of the civil complaint on Crosswell and Coldwell Banker on March 5, 2008.
Update: February 28, 2008
I received 2 letters from the Illinois Department of Financial and Professional Regulation, 1 dated on February 21, 2008 and the other dated February 22, 2008. The letters list Frances Zeleznik as the complainant instead of Coldwell Banker. The letters appear to be "generally" formatted stating in part "This letter acknowledges receipt of the information you submitted...Your correspondence wil be reviewed to determine whether the conduct, as set forth in your complaint, merits an investigation pursuant the Agency's authority under the Illinois Real Estate License Act of 2000...Please note that the Act allows for discipline or remedial action to be taken against a real estate licensee. The agency cannot act as your advocate and cannot seek any private redress, money damages or otherwise, on your behalf...."
Basically, the Illinois Department of Financial and Professional Regulation will not pursue any avenues toward a consumer getting their money back from unscrupulous companies and the people they represent.
This is why I pursued litigation on my own. I am familiar with the systems we have in place. What about those consumers who do not know how real estate agents and the companies they work for operate. I will write more about this later.
Update: February 22, 2008
I filed a civil complaint in this matter on February 22, 2008. This complaint can be found on http://clickforjusticeandequality2.blogspot.com/
Update: February 20, 2008
Coldwell Banker is getting ready to "take" some other poor soul's Earnest Money for the property located 401 East 167th Streeet, Harvey Illinois.
I called Mr. Oster of Coldwell Banker on February 19, 2008. Mr. Oster informed me "their" client has not signed the release for my "Earnest Money." Mr. Oster stated to me, "...as far as I know, the lawyers are handling things." I informed Mr. Oster my lawyer, Leonard Litwin, is not participating in any negotiations with the seller's lawyer, John Clavio about my "Earnest Money." I informed Mr. Oster I would begin civil litigation on this matter. Mr. Oster stated, "...I guess you got to do what you have to do...."
I informed Mr. Oster that Coldwell Banker still has their sign posted on the Crosswell's property. I asked Mr. Oster if they were still trying to sell the Crosswell property. Mr. Oster states Coldwell Banker is still trying to sell the property.
Update: February 16, 2008
I have not heard anything from Coldwell Banker's manager Jim Oster or the seller, Gerald & Geralding Crosswell about the return of my Earnest Money. I called Mr. Oster office on February 16, 2008 at approximately 10:36 AM leaving a message on his voice mail requesting my Earnest Money. I left a message on Mr. Oster voice also stating as Coldwell Banker is the legal agent for the seller and possesses the Earnest Money, that they should sign in place of the seller having knowledge I have a right to my Earnest Money. I will await Mr. Oster's return call for a response.
February 8, 2008
The Illinois Department of Financial and Professional Regulation, Division of Professional Regulation sent me mail informing me I had to complete their "Consumer Services Inquiry Form." I completed the form and fax it to their Chicago Office; to the attention of Karen Konstant. I faxed 31 documents related to this issue.
Since I have not received my "Earnest Money", I plan to file a civil complaint against Coldwell Banker, Cookie Zeleznik, Gerald Crosswell, Geraldine Crosswell, Chicago Association of Realtors/Chicago Realty Network, Angela White and John Clavio.
The courts generally wants a litigant to exhaust all administrative remedies before bringing claims to the court.
I will continue to update this issue as I receive information. The public must be made aware of how the consumer is treated by Real Estate Companies and their brokers.
February 5, 2008
On February 4, 2008 my lawyer, Attorney Leonard Litwin, received a voice mail from the sellers Attorney, John Clavio, who states: "...he has repeatedly told his client (Gerald & Geraldine Crosswell) and the broker (Coldwell Banker) to release the money...I don't know what more I can do...I can only recommend...I cannot control these people." My attorney states there is no grounds to keep my money.
February 4, 2008
Beware! Beware! Consumers Beware! Never put up "Earnest Money" or spend any kind of money unless a mortgage company has received "approval" for your loan!!!!!!!!!!!!
The real culprit in my case is the mortgage company, that is, Chicago Association of Realtors/Chicago Realty Network and Coldwell Banker.
How many people are losing their homes because of foreclosures? These loses are a direct result of mortgage companies getting people into homes they could never have afforded in the first place.
In my case, a mortgage company told me I was "pre-approved." After telling me I was pre-approved, I was told I have to put up "Earnest Money" to secure the deal. After I put the "Earnest Money", I was told I need to get an inspection. After the inspection, I had people calling me from the mortgage company asking me for more information to improve my credit for the loan.
Wait a minute!!!! I thought I was approved already. After putting up "Earnest Money" totalling $1000.00 and $300.00 for an inspection report, the mortgage company told me I needed additional documentation, and that, I had to pay off some of my debt before I could be approved for the loan they already told me I had.
I will give you more information about this issue in the upcoming days.
February 2, 2008
Department of Financial and Professional Regulation
Division of Professional Regulation
Complaint Intake Unit
100 West Randolph Street, Suite 9-300
Chicago, Illinois 60601
Coldwell Banker
Mr. Jim Oster, Manager
Southeast Office
2 River Place, Suite K
Lansing, Illinois 60438
Re: Property located at 401 E. 167th Street, Harvey Illinois 60426 and Earnest Money
Mr. Jim Oster:
On February 2, 2008 I called Real Estate Broker Cookie Zeleznik requesting information about my Earnest Money. Ms. Zeleznik informed me she was still waiting for her client Gerald and Geraldine Crosswell to sign the release for my Earnest Money. I called and spoke to Geraldine Crosswell. Ms. Crosswell informed me she signed the document and sent it to her attorney/Ms. Zeleznik, but requested $500.00 of my Earnest Money because I made her fix things in her “house” knowing I could not get a loan to purchase the property. The things Ms. Crosswell fixed were requested items of the Village of Harvey in order for her to sell her property and were similar items listed in the inspection report of Tri-County Securement Company, which cost me $300.00.
On or about November 15, 2007 I, Fred L Nance Jr., entered into a Real Estate Sale Contract as the buyer with Gerald and Geraldine Crosswell as the seller for their property located at 401 E. 167th Street, Harvey Illinois 60426. I put up $1000.00 Earnest Money with this contract. This property was an attempt by me to purchase “income” property.
The Seller’s Real Estate Broker is Cookie Zeleznik. My Real Estate Broker is Donna Atkins. The Real Estate Contract was created by Chicago Association of Realtors/Chicago Realty Network, which Donna Atkins is associated. Cookie Zeleznik works for Coldwell Banker in Lansing Illinois, which holds my Earnest Money.
The sellers Gerald and Geraldine Crosswell’s attorney is John Clavio, located at 10277 West Lincoln Highway, Frankfort, Illinois 60423. His phone number is 815-464-8290. My attorney is Leonard Litwin located at 205 West Randolph Street, Suite 1410, Chicago Illinois 60606.
In middle December 2007, I was informed by Ms. Angela White of Chicago Realty Network the credit scores of my wife and I would not allow us to purchase the property. On December 19, 2007 my real estate broker Ms. Donna Atkins faxed me an “Authorization to Release Earnest Money”, which my wife and I signed faxing it back to Ms. Atkins. Ms. Atkins forwarded this document to Ms. Cookie Zeleznik.
On or about January 2, 2008, I called Ms. Zeleznik requesting my Earnest Money. I informed Coldwell Banker representative Cookie Zeleznik I could not purchase the “income” property because of our credit scores, requesting Coldwell Banker release my Earnest Money. Ms. Zeleznik suggested I try one of her mortgage lenders at Coldwell Banker for a second opinion before they released the Earnest Money. I agreed.
On or about January 17, 2008, Ms. Zeleznik engaged me with mortgage advisor Mike Cawley of Coldwell Banker. On or about January 18, 2008 after review, Mr. Cawley informed me the credit scores of my wife and I was not going to allow me to purchase the “income” property. I immediately called Ms. Zeleznik requesting the $1000.00 refund of my Earnest Money.
No one has called since Mr. Cawley of Coldwell Banker informed me on January 18, 2008 the credit scores of my wife and I would not allow purchase of the said property. Therefore, on February 2, 2008 I called Ms. Zeleznik about my Earnest Money. Ms. Zeleznik informed me she had not heard from the seller.
Now therefore, I request my Earnest Money, with interest from Coldwell Banker. I request the Office of Banks and Real Estate/Illinois Department of Financial & Professional Regulation investigate and find Coldwell Banker and its agents liable for my Earnest Money. In addition, I request this entity find Attorney John Clavio at fault for not advising his client of her error. If this entity does not have jurisdiction over this attorney’s non-actions, I will file a complaint with the Attorney Registration and Disciplinary Commission.
Respectfully submitted,
Fred Nance Jr., ABD, MA, CADC, NCRS
cc: Mr. Leonard Litwin, Attorney at law
Mr. John Clavio, Attorney at law
http://click.townhall.com/
http://clickforjusticeandequality.blogspot.com/
Cookie Zeleznik, Coldwell Banker Broker
Donna Atkins, Real Estate Broker
All copies of this letter are sent to the parties above by fax, email and U.S. Mail.
June 11, 2008
Elderly Woman responds to Michelle Obama & Jeremiah Wright. AWESOME
This is a good read; whether you support Obama or not. Enjoy!
Greetings All,
This is truly a profound and insightful message from a 78 year old African-American woman! Please read and pass it along.Subject: An elder responds to statements about Michelle Obama and Jeremiah Wright
To my friends and family, I rec'd this letter via one of the Obama grassroots groups and I think it should be circulated to answer some of the silliness that's going on about Michelle Obama's statements and Obama's connection with Jeremiah Wright. Pass it on! (or sit idly and watch it all happen and then complain about the outcome).========================================================================
To The Editor:
As a 78 year old American of African descent, I feel compelled to respond to all this 'much ado about nothing' when it comes to the statement that Michelle Obama made about the fact that this is the first time in her adult life that she has been proud to be an American.
The country needs to hear this from the Black perspective.
Long before I was born, my grandfather Joseph Burleson, owned a considerable amount of land in oil rich Texas. Because during that era, Blacks could not vote, nor could they contest anything in the courts of the United States, my grandfather's land was STOLEN by his White neighbor. My grandfather, who was literate and better educated than my grandmother, drove to town. Seeing my grandfather leave, the covetous neighbor asked my grandmother to show him the deed to the property. He snatched it. She could not insist that he give it back, nor could she have reported this THEFT to the sheriff because of the fact that Blacks had no rights in the 1800's. The prevailing law at that time was he who held the deed owned the land. Do you think that is something that I am PROUD OF? Right now I should be living off the oil and gas royalties.In 1934 when my dad drove us to Texas to meet his family, when he stopped to purchase gasoline, his daughters and wife were not allowed to use the washroom. As a man it was easier for his to relieve himself in the bushes, but not for the females. We were, however, reduced to having to go in the bushes, also. Do you think I am PROUD OF THAT?In 1938 when my oldest sister went to enroll in Hyde Park High School, she was told by the counselor that she did not want to take college preparatory courses, she wanted to study domestic science. Do you think I'm PROUD OF THAT? Of course, when Beatrice Lillian Hurley-Burleson went to school the next day, that was the last time anyone thought that the Burleson girls wanted to study domestic science.When in 1943 my parents attempted to buy the 2 flat at 5338 South Kenwood, where we had lived since 1933, in Hyde Park, Chicago, IL we were told that we could not buy it because there was a restrictive covenant that said that the property was never to be sold to 'Negroes.' Do you think I am PROUD OF THAT?In 1950 when I graduated from college, I was unable to get a job because I was considered 'overqualified.' the code word for they would not hire me because of my race. All of the want ads called for Japanese Americans or Neisis (the word given to Japanese Americans at that time). Do you think that was something that I should have been PROUD OF?I understood that America was trying to make up for the interring of innocent and patriotic Americans who were our enemy by association.My cousin's barbershop was bombed in Mississippi in the 50's because he was encouraging Black people to register to vote. His wife who had earned a Masters Degree from Northwestern University lost her position as the principal of the local school because of the voter registration activities. Is that something I should be PROUD OF?Now we get to Rev. Jeremiah Wright, the pastor of the Obama family. Rev. Wright like so many religious zealots overstates many things, that many of his members do not agree with. To suggest that Senator Obama should leave the church of his choice is not only a double standard, but it is absurd. Would any of the talking heads who are so alarmed by Rev. Wright's thoughts and speeches suggest that Catholics should abandon their faith or denounce and reject the Pope because so many priests have molested children. These children were exploited and taken advantage of and they had no choice to even know they could resist, reject and denounce. To me the situations are parallel, except for the fact that the priests behavior is a physical violation of the innocence of children who are marred for life; and the priests behavior is a crime. Rev. Wright's speeches are just words, that one can listen to or not, the members have a choice. Should Govern or Romney denounce and reject the Mormon Church because some of their members practice polygamy?As Senator Obama has previously stated, we have entered the silly season.
Barack Obama is an adult, and most importantly, he is an exceptionally intelligent adult. Like most of us adults, fortunately, we do not accept all we hear or see. If we did, the world would be more amoral, debased and perverted than the world of today is.I see all these 'so called' ponderings an attempt to marginalize the candidacy of Senator Barack Obama. I cannot truly call this racism because some ignorant Blacks have also spoken disparagingly about him.I accept this as the darker side of mankind who because of their own inadequacies, they project their deficiencies on others. Barack Obama is a very rare individual, the likes of whom the world seldom sees. Like most geniuses, they are often misunderstood. They are objects of envy and jealousy. They are suspect because they soar above the average man who does not have the intellectual ability to understand the greatness of special people. They are also targets to be pulled down to the level of the mediocre who cannot stand to see an individual with deep convictions and high standards.We have not seen a phenomena like Barack Obama in many years and many generations. Like Ghanda, like Jesus, like Einstein, like Dr. Martin Luther King, Jr., like Mother Theresa, genetically, intellectually and spiritually, these people offer the world so much, but they are often maligned and misunderstood.Barack Obama is a Christian in the true sense of the word. A true Christian loves his fellow man unconditionally. A true Christian wants the best and tries to bring out the best in his fellow man. A true Christian wants to unite and bring the world together in peace and harmony. This is what Senator Obama stands for; but, unfortunately, he has had to get off point to answer these false charges, innuendos, and just plain lies.We are in the presence of an angel unaware in Senator Barack Obama; and this country needs him, more than he needs us. He is the only person at this time in history who can restore respect for America with the worlds' people. Because of his family background, the influence of his beloved mother who instilled great values in him, the influence of his absent father who vicariously inspired a son to go to Harvard as the father had done, the influence of a minister who brought him to an understanding of the value and meaning of Christianity, the influence of a brilliant Harvard educated wife who inspires him and keeps him grounded; he is the epitome of a citizen of the world. He is of the world because the world is in him; and this is what America needs to bring us out of the abyss to which we have sunk in the eyes of the world.Like, Michelle Obama, after living in this country all of my 78 years, loving my country and not understanding why my country has not loved me, I now for the first time in my adult life feel PROUD OF MY COUNTRY because I sense a maturing, a recognition of talent and character, and not color, and a field of candidates aspiring to lead this nation coming from very diverse backgrounds of gender, religious beliefs, national origin, ethnicity, age and experiences. This to me is the HOPE that America is coming into her own and will begin to CHANGE and will embrace the philosophy upon which this country was founded, where all men are created equal and are entitled to life, liberty and the pursuit of happiness. Now I truly believe, YES WE CAN!For further information:
Contact: Helen L. Burleson, Doctor of Public Administration
(708)747-0919
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Fred L. Nance Jr., President & CEO
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June 08, 2008
CITGO IS CHANGING
CITGO IS CHANGING
Verified with www.SNOPES:
IN ORLANDO LAST WEEK, AT A CITGO STATION REGULAR WAS PRICED AT $2.82 PER GALLON. THERE WERE NO CUSTOMERS. HOWEVER, ACROSS THE STREET WHERE I FUELED IT WAS SELLING FOR $2.85 PER GALLON AND ALL PUMPS THERE HAD CARS WAITING TO FUEL.Have you noticed how the Citgo signs have disappeared in the past 7-8 months? Very clever move by Chavez. But guess what CITGO IS CHANGING ITS NAME TO? This is serious Americans...make sure you read.NEWS FLASH: Chavez is NOW getting a Russian Weapons Factory built by Putin. The RUSSIANS are building an AK-47 Kalashnikov Assault Rifle factory in Venezuela to give armament support to Communist Rebel groups throughout the AmericasChavez NOW has IRANIANS operating his oil refineries in Venezuela for him. It is likely only a matter of time, if not already, before Chavez has Iranian built LONG RANGE missiles, with a variety of warhead types aimed at.... Guess Who?CITGO is NOW in the process of Changing its name to PETRO EXPRESS due to the loss of gasoline sales in the USA due to the recent publicity of ownership by Chavez of Venezuela.Every dollar you spend with CITGO or PETRO EXPRESS gasoline will be used against you, your basic human rights, and your freedoms. He will start wars here in the Americas that will probably be the death of millions.THIS IS VERY IMPORTANT because Chavez is starting to feel the loss of revenue from his holdings. HE OWNS CITGO. This is a very important move which everyone should be aware of.ANNOUNCED JUST RECENTLY, CITGO, BEING AWARE THAT SALES ARE DOWN DUE TO U.S. CUSTOMERS NOT WANTING TO BUY FROM 'CITGO-CHAVEZ,' HAS STARTED TO CHANGE THE NAME OF SOME OF THEIR STORES TO: 'PETRO EXPRESS.'DO NOT BUY FROM 'PETRO EXPRESS'! 'PETRO EXPRESS' IS ALSO 100% OWNED BY 'CHAVEZ.'KEEP THIS MEMO GOING SO THAT EVERYONE KNOWS WHAT IS HAPPENING.BOYCOTT 'CITGO' AND 'PETRO EXPRESS'E-mail for the greater good. Join the i'm Initiative from Microsoft.
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June 07, 2008
Clinton suspends her historic presidential bid
Clinton suspends her historic presidential bid - Yahoo! News
Hillary Clinton conceded her bid for President of the United States. Even though she "suspended" her thrust for President, I believe she auditioned for Vice President. Hillary may be be a good Vice President for Obama, but Obama cannot let Bill Clinton back in the White House.
What does Hillary mean when she states her campaign is suspended? I believe Hillary uses the work "suspended" because she intends to "work" the Democratic convention to assure her Vice Presidency. Hillary believes the 18 million voters she claims supported her, our hers to do with what she wants. Hillary appears to be demanding her "right" to be Vice President. It is unprecendented that one "demand" to be Vice President.
Another barrier for us is our determination to let racism flourish in our nation.
The United States has to understand we are "racially" divided as a country and a people. We will have "white" people determined that they will not vote for a "black" person to be President of the United States. We cannot ignore this fact. How do we overcome this barrier? It is easy for me, a black man, to tell you how we overcome this barrier. We just stop oppressing "black" people. We are all the same. We bleed the same. We talk the same. The only thing different is our "color" and thought processes. We do not think the same, but that is okay. Thinking differently brings new ideas and new ways of doing things. We cannot continue to be static on racism. We have to aggressively address the issue and put down those who want to oppress and deny others the right to be left alone. We have to stop the discriminatory practices in the workplace and in our world. If we do not come together soon, our children's children will continue to oppress each other. We need to break the cycle of racial oppression and discrimination.
With Obama we can conquer the racial divide. His candidacy has brought all colors together. We should embrace the change. If we do not, then we might as well get back on the "racism" horse to nowhere.
Hillary Clinton conceded her bid for President of the United States. Even though she "suspended" her thrust for President, I believe she auditioned for Vice President. Hillary may be be a good Vice President for Obama, but Obama cannot let Bill Clinton back in the White House.
What does Hillary mean when she states her campaign is suspended? I believe Hillary uses the work "suspended" because she intends to "work" the Democratic convention to assure her Vice Presidency. Hillary believes the 18 million voters she claims supported her, our hers to do with what she wants. Hillary appears to be demanding her "right" to be Vice President. It is unprecendented that one "demand" to be Vice President.
Another barrier for us is our determination to let racism flourish in our nation.
The United States has to understand we are "racially" divided as a country and a people. We will have "white" people determined that they will not vote for a "black" person to be President of the United States. We cannot ignore this fact. How do we overcome this barrier? It is easy for me, a black man, to tell you how we overcome this barrier. We just stop oppressing "black" people. We are all the same. We bleed the same. We talk the same. The only thing different is our "color" and thought processes. We do not think the same, but that is okay. Thinking differently brings new ideas and new ways of doing things. We cannot continue to be static on racism. We have to aggressively address the issue and put down those who want to oppress and deny others the right to be left alone. We have to stop the discriminatory practices in the workplace and in our world. If we do not come together soon, our children's children will continue to oppress each other. We need to break the cycle of racial oppression and discrimination.
With Obama we can conquer the racial divide. His candidacy has brought all colors together. We should embrace the change. If we do not, then we might as well get back on the "racism" horse to nowhere.
June 05, 2008
Rezko convicted of corruption
Rezko convicted of corruption -- chicagotribune.com
Corruption seems to flourish under Governor Blagojevich's regime. Sometimes those at the top have no idea what is happening below them until someone comes forth to tell the story.
I tell the story about the corruption at Sheridan Correctional Center. I tell the story about discrimination, indifferent treatment and retaliation at Sheridan Correctional Center.
Governor Blagojevich can be proactive and do something about the corruption, discrimination and retaliation at Sheridan Correctional Center. It is just a matter of taking action. There are many more individuals like myself who have been bogusly locked out of Sheridan Correctional Center because of the corruption, nepotism, discrimination and retaliatory actions of the present administration at Sheridan.
What will we, the public, do about the corruption, discrimination and retaliation? Will we stand against Sheridan Correctional Center receiving "Second Chance Act" funding? Will we stop this nefarious regime from accessing "illegal" funding, such as VOI/TIS?
READ THE STORY BELOW ON SHERIDAN CORRECTIONAL CENTER
Corruption seems to flourish under Governor Blagojevich's regime. Sometimes those at the top have no idea what is happening below them until someone comes forth to tell the story.
I tell the story about the corruption at Sheridan Correctional Center. I tell the story about discrimination, indifferent treatment and retaliation at Sheridan Correctional Center.
Governor Blagojevich can be proactive and do something about the corruption, discrimination and retaliation at Sheridan Correctional Center. It is just a matter of taking action. There are many more individuals like myself who have been bogusly locked out of Sheridan Correctional Center because of the corruption, nepotism, discrimination and retaliatory actions of the present administration at Sheridan.
What will we, the public, do about the corruption, discrimination and retaliation? Will we stand against Sheridan Correctional Center receiving "Second Chance Act" funding? Will we stop this nefarious regime from accessing "illegal" funding, such as VOI/TIS?
READ THE STORY BELOW ON SHERIDAN CORRECTIONAL CENTER