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I purchased a home from a client based upon an appraisal that was done by my client from an appraisal firm. I never seen the appraisal, but it was to be transferred to my bank for my loan in my name. We closed on the home without an inspection, because we trusted that the appraisal was correct, to find that the home was more or less condemned, the tennant of my clients was using the home as a dog kennel, inside, and breeding and raising ponys in the basement. The home was more or less destroyed, had lots of mold and damage issues, no running water or septic service, that was not addressed by the appraiser. In our investigation we found that the original appraisal was altered before it transferred to us, and did not state any of the problems that were listed on the original. We live in Missouri, have the doctored first appraisal and the second appraisal to prove the fraud and malpractice, but because of conflicts of interest with most attorneys, because the spouse of the appraisal company is an attorney and over the title company, cannot find one to represent. We are into this house over 530K, any suggestions on how we sue without an attorney, since we cannot find one.

Posted: Mon Nov 02, 2009 1:31 pm Post subject:

Are you saying that you cannot find an attorney anywhere in the state to represent you in a fraud case? Something sounds fishy to me or you aren't telling the whole story.

One thing is for sure, I bet you won't ever buy another house, site unseen, at least without your own appraisal and home inspection. By the way, an appraisal and a home inspection are two completely different things. An appraiser can arrive at an opinion of value based on a hypothetical situation. Make sure the appraisal wasn't made "subject to completion of repairs" or a "hypothetical condition that no repairs are needed".

If you want to sue, without an attorney, you can file a suit on your own in small claims court.

Best of luck to you!

gmakerley · Posted: Wed Nov 04, 2009 12:45 pm Post subject:

HAHAHA at "small claims court" for a $530,000 debt. somehow, that sounds to me like an inapt use of small claims court. i think the courts will also agree.

guest, you hit the nail on the head in this case. there's no way an attorney couldn't be found to represent someone in such a case as described here. also, to make a purchase sight unseen of a property for that kind of money is the height of absurdity.

adbasham you've done a delightful job of treating us to a fabricated story, leading anyone to believe that what you've described could possibly be true. from your description, the lender gave you the money without any knowledge of the property that is their collateral for this loan. now that would be one dumb lender, wouldn't it?

maybe you should find a publisher for your type of fantasy fiction. you fooled at least one person.

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