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article imageWoman loses everything after company forecloses on wrong house

By Leigh Goessl     Aug 29, 2013 in Business
Logan - A woman's house was recently wrongfully foreclosed on, and because of a mistake, she lost almost everything she owned. A repossession company deemed many of her personal property as "junk" and said the items were sent to a dump.
A West Virginia woman is trying to find out who is responsible for entering her home and taking her possessions. Nikki Bailey, a teacher who lives in Logan, was out for the day visiting a friend in the hospital and came home to an empty house, according to a Raw Story report.
This is the latest in a series of bad events to happen to Bailey in regard to her house. While spending time at the hospital and also at her mother's home, her house was vandalized as it was empty a lot of the time. Then in a separate incident, an intruder set fire to it, causing severe damage.
Next, according to the Logan Banner, on Aug. 6 Bailey returned to the house to find a big truck in front of it. The driver told her the house was being emptied because it had been foreclosed on.
Worse, all that was left on the truck was a mirror, dresser and chest of drawers. She was told everything else was sent to the dump.
“Everything was gone,” Bailey said, reported WSAZ News. “Living room furniture, my Marshall diploma, my high school diploma, my pictures -- my history. I was teacher of the year. All of that stuff is gone -- certificates from that. It's all gone.”
Foreclosure was impossible since the house had been paid off since 1988.
It turns out the drivers went to the wrong home.
WSAZ reports:
The homeowner, Nikki Bailey, lives in Logan. According to her attorney, the repossession company, CTM Industries in Rivesville, was told to remove everything from the house on Godby Heights in Logan.
However, Bailey lives along Godby Street in Logan. Godby Heights is in Chapmanville.
At this time, it is not clear who made the blunder. Did the bank/mortgage company get it wrong or did CTM Industries?
Bailey has retained an attorney who is trying to find out which bank or mortgage company initiated the foreclosure. CTM reportedly did not respond to media requests asking who initiated the foreclosure.
“It just seems kind of ridiculous that this actually happened when a phone call could have stopped it,” Attorney Tim DiPiero, who is representing Bailey, said.
Additionally, Bailey and DiPiero are compiling a list of her missing possessions, suspecting that some of them may end up on Craigslist.
Wrongful foreclosures are a problem. If media reports in recent years are any indicator, errors are commonly made, which can lead to disastrous results for those who have paid off their houses or are up to date on their payments. In some cases, the victim does not even have a relationship with the bank initiating the foreclosure.
Just recently, Digital Journal reported the story of an Ohio woman who went on vacation and came back to an empty home.
At this time, it is not yet estimated how much of a financial loss Bailey has had.
However, some things cannot be replaced.
More about Foreclosure, wrongful foreclosure, House, West Virginia
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