Welcome to the Prison Talk Online Community! Take a Minute and Sign Up Today!






Go Back   Prison Talk > U.S. REGIONAL FORUMS > MICHIGAN > Michigan General Prison Talk, Introductions & Chit Chat
Register Entertainment FAQ Calendar Mark Forums Read

Michigan General Prison Talk, Introductions & Chit Chat Topics & Discussions relating to Prison & the Criminal Justice System in Michigan that do not fit into any other Michigan sub-forum category. Please feel free to also introduce yourself to other members in the state and talk about whatever topics come to mind that may not have anything to do with prison.

Reply
 
Thread Tools Display Modes
  #1  
Old 08-17-2003, 11:10 AM
pantherpaws's Avatar
pantherpaws pantherpaws is offline
Lovepanthers are rare
 

Join Date: May 2003
Location: Michigan
Posts: 133
Thanks: 0
Thanked 0 Times in 0 Posts
Default My First real taste of discrimination:FIFTH THIRD BANK

Hi Yall........
I`m wondering if any of you have encountered this kind of discrimination.I applied for a home equity loan at Fifth Third Bank.It was to be in my name only as I own my own house title clear and my hubby of 18 months was not on it.But fifth third said that by Michigan law he has to be named on the mortgage if he lives with me.This is some kind of Homesteaders law in Michigan.I said "well if you have to dig my husband doesn`t live with me.He is an inmate in Ohio".They consulted a senior rep and they said I had to produce a document to prove he is an inmate and doesn`nt live with me.I don`t want his name on the mortgage.He is not responsible for my debts.It would offend him because of what his first wife did sticking him with a lot of debts.I felt like fifth third is violating our privacy and the loan was based on my credit rating and income anyway.I had 3 days by law to cancel the loan and I did on day 2 because of this treatment.So the rep then asks if there is anything they can do for me and I said "Do you offer any unsecured loans?" They offered me a loan of $5,000 at 13.99 %!!The original loan before they knew my husband was an inmate was $30,000 at 6.99%.I feel discriminated against.I am pulling all my business from Fifth Third.They Stink!!::argh :fb: IS THER REALLY A HOMESTEADERS LAW OF THIS KIND IN MICH ABOUT LOANS??
__________________
Pantherpaws*

"Children learn what they live,
and live what they learn".

<!--BEGIN COUNTDOWN CODE--->
<center>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/logos/time98.gif" alt="Time By Escati"

<font face=arial size=1><b> LOVEPANTHERS RULE!JOEYS NEXT PAROLE BOARD HEARING:</b></font><br>
<table border=2 cellpadding=4 bgcolor=dddkkkk><tr><td>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/cgi-bin/countdown.cgi?trgb=000000&srgb=00ff00&prgb=221100& cdt=2005;9;23;9;00;00&timezone=GMT-0600" border=0></a><br>
</td></tr></table>
</center>
<!--END COUNTDOWN CODE--->

Last edited by pantherpaws; 08-17-2003 at 11:16 AM..
Reply With Quote
Sponsored Links
  #2  
Old 08-17-2003, 12:11 PM
toi_ama toi_ama is offline
Account Closed
 

Join Date: Jun 2003
Location: Oregon USA
Posts: 4,778
Thanks: 0
Thanked 11 Times in 6 Posts
Default

Well they said if they had proof he's an inmate and doesn't live with you, though, that they'd give you the loan?
Reply With Quote
  #3  
Old 08-17-2003, 04:22 PM
carolK carolK is offline
Registered User
 

Join Date: Jun 2003
Location: Alabama, United States
Posts: 156
Thanks: 0
Thanked 1 Time in 1 Post
Default

I'm sorry you are having to deal with this. I hope you are able to get a mortgage in your name only at another lending place. Best of luck to you.

Carol
Reply With Quote
  #4  
Old 08-17-2003, 04:26 PM
mrsdragoness's Avatar
mrsdragoness mrsdragoness is offline
Very Much Missed Administrator
Donation Award 
 

Join Date: Dec 2002
Location: Michigan
Posts: 31,059
Thanks: 0
Thanked 240 Times in 97 Posts
Default

HMMMM....I've not heard of this, but I haven't tried to get a second mortgage or remortgage my house. I think I'll call the bank tomorrow - they've been calling me about remortgaging - and ask them.....I'll let you know what they say!

It doesn't quite sound right to me.....

mrs. d
__________________
We got a Dog, Named him Odin
The cats got mad
The kid rolled his eyes....
But they all get along and
EVERYONE is happy!


R.I.P. Sally! This Dragon is Flying High Again.. WE LOVE YOU & Will Never Forget!
Reply With Quote
  #5  
Old 08-17-2003, 10:07 PM
deb's Avatar
deb deb is offline
Yooper Mod on Leave
Donation Award 
 

Join Date: Aug 2002
Location: USA
Posts: 22,802
Thanks: 267
Thanked 809 Times in 248 Posts
Default

It doesn't sound right and none of us would want their name on the house or any property anyway cause of what the state etc.. can do.... I'd try a credit union or someone else....

Deb
__________________


September 10th 2009
Reply With Quote
  #6  
Old 08-17-2003, 10:34 PM
DENIMBLUE's Avatar
DENIMBLUE DENIMBLUE is offline
~BELIEVE~7-10-06~
Donation Award 
 

Join Date: Mar 2003
Location: MICHIGAN ~ USA
Posts: 8,137
Thanks: 0
Thanked 29 Times in 14 Posts
Default

I have proof of incarceration for my guy and I am his power of attorney, so I just throw those papers in people's faces when they give me SH** about it. I wouldn't put his name on anything of mine now anyways...Those people at the bank we 're just scared when you said inmate, because they probably thought you could be one of them, too...Whatever one of them is! Good Luck at the next place...
__________________
~Hope is the thing with feathers that perches in the soul and sings the tune without words and never stops at all.~
(*Emily Dickinson*)
Reply With Quote
  #7  
Old 08-18-2003, 06:52 AM
pantherpaws's Avatar
pantherpaws pantherpaws is offline
Lovepanthers are rare
 

Join Date: May 2003
Location: Michigan
Posts: 133
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Thanks all......Fifth Third claims its a Michigan law that if someone lives in the house mortaged that they have a legal claim to it.I told them before the application that it was to be in my name solely and there was no problem.They drew up the papers with both our names on them and thats when I said "NO GO".I hope they were lying or I will be getting the same thing at every bank.I`ve never heard of a "homesteaders Law" for mortages.
And yes, they said if I produced a document that proves he is an inmate currently,they would give me the loan.I said no because I thought it would offend my hubby.I had no way of calling him at that moment.Now he says he would of sent me his OPI pay stub. Too late.
__________________
Pantherpaws*

"Children learn what they live,
and live what they learn".

<!--BEGIN COUNTDOWN CODE--->
<center>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/logos/time98.gif" alt="Time By Escati"

<font face=arial size=1><b> LOVEPANTHERS RULE!JOEYS NEXT PAROLE BOARD HEARING:</b></font><br>
<table border=2 cellpadding=4 bgcolor=dddkkkk><tr><td>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/cgi-bin/countdown.cgi?trgb=000000&srgb=00ff00&prgb=221100& cdt=2005;9;23;9;00;00&timezone=GMT-0600" border=0></a><br>
</td></tr></table>
</center>
<!--END COUNTDOWN CODE--->
Reply With Quote
  #8  
Old 08-18-2003, 07:01 AM
Retired-5 Retired-5 is offline
Account Closed
 

Join Date: May 2003
Location: central coast of Cali
Posts: 610
Thanks: 0
Thanked 0 Times in 0 Posts
Default

if your husband's name is not on the title then HE can't get a loan....it all goes by title. we've got some pretty tough laws here in CA and my own papers are a mess. call a laywer, it cost nothing to ask a question. or call the title company. and NO, i would not do business with this bank. there are plenty of businesses that WILL do business with us!!
Reply With Quote
  #9  
Old 08-18-2003, 03:53 PM
mrsdragoness's Avatar
mrsdragoness mrsdragoness is offline
Very Much Missed Administrator
Donation Award 
 

Join Date: Dec 2002
Location: Michigan
Posts: 31,059
Thanks: 0
Thanked 240 Times in 97 Posts
Default

I didn't get to call today........I ended up working instead and it was really hectic so I didn't get a moment to make the call.....I'll call tomorrow - I don't work now until midnights tomorrow night... I'll let you know what I'm told!!!

Sally
__________________
We got a Dog, Named him Odin
The cats got mad
The kid rolled his eyes....
But they all get along and
EVERYONE is happy!


R.I.P. Sally! This Dragon is Flying High Again.. WE LOVE YOU & Will Never Forget!
Reply With Quote
  #10  
Old 08-18-2003, 09:37 PM
Shades278 Shades278 is offline
Registered User
 

Join Date: Mar 2003
Location: Michigan
Posts: 379
Thanks: 0
Thanked 0 Times in 0 Posts
Default

There is a law in Michigan that says if two people are married then both have to be on any paperwork. When I married my second husband he was in the middle of selling his house and moving into mine. Well the papers didn't get signed before we got married they got signed one week after we were married and because we were married at the time they signed them, everything had to be redone and my name had to be added to the papers even though I never lived in the house. It sucks and it is an inconvience but thats the law. Hope this helps.
__________________



Michelle

It doesn't matter what you do, it matter's who you know!!!
Reply With Quote
  #11  
Old 08-18-2003, 09:47 PM
deb's Avatar
deb deb is offline
Yooper Mod on Leave
Donation Award 
 

Join Date: Aug 2002
Location: USA
Posts: 22,802
Thanks: 267
Thanked 809 Times in 248 Posts
Default

It isn't wise to have our hubby's name on anything while they're in... I've learned to have everything in just my name....

Deb
__________________


September 10th 2009
Reply With Quote
  #12  
Old 08-19-2003, 08:01 AM
pantherpaws's Avatar
pantherpaws pantherpaws is offline
Lovepanthers are rare
 

Join Date: May 2003
Location: Michigan
Posts: 133
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Yes I agree Deb.I will wait till my hubby comes home hopefully by Xmas.For now,I will just have to struggle as in the past and my house looks like heck......needs siding bad.
PS--Sorry I couldn`t make the Mich get-together in Frankenmuth.I am layed off for this week and have no gas.I wanted to visit my hubby too.
__________________
Pantherpaws*

"Children learn what they live,
and live what they learn".

<!--BEGIN COUNTDOWN CODE--->
<center>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/logos/time98.gif" alt="Time By Escati"

<font face=arial size=1><b> LOVEPANTHERS RULE!JOEYS NEXT PAROLE BOARD HEARING:</b></font><br>
<table border=2 cellpadding=4 bgcolor=dddkkkk><tr><td>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/cgi-bin/countdown.cgi?trgb=000000&srgb=00ff00&prgb=221100& cdt=2005;9;23;9;00;00&timezone=GMT-0600" border=0></a><br>
</td></tr></table>
</center>
<!--END COUNTDOWN CODE--->
Reply With Quote
  #13  
Old 08-19-2003, 04:13 PM
mrsdragoness's Avatar
mrsdragoness mrsdragoness is offline
Very Much Missed Administrator
Donation Award 
 

Join Date: Dec 2002
Location: Michigan
Posts: 31,059
Thanks: 0
Thanked 240 Times in 97 Posts
Default

I called 3 banks/mortgage companies today and got the same story from all.......its a Michigan law that both spouses have to sign the mortgage...... one told me that it doesn't mean he's responsible - its just the law.

I think I'd get an answer from a lawyer before I would put my husbands name on anything. I should have known.....my husband automatically became the beneficiary on all of my state retirement funds and death benefits when we married. He had to sign off so I could list my kids in stead!

Sally
__________________
We got a Dog, Named him Odin
The cats got mad
The kid rolled his eyes....
But they all get along and
EVERYONE is happy!


R.I.P. Sally! This Dragon is Flying High Again.. WE LOVE YOU & Will Never Forget!
Reply With Quote
  #14  
Old 08-19-2003, 04:26 PM
deb's Avatar
deb deb is offline
Yooper Mod on Leave
Donation Award 
 

Join Date: Aug 2002
Location: USA
Posts: 22,802
Thanks: 267
Thanked 809 Times in 248 Posts
Default

On life insurance, IRA's etc... you can put "see the will filed at (and list the court house)" instead of your husband's name. Then in the will you can have it put into a trust fund til your hubby gets out of prison or split up among kids if he's still in etc... or to go to him if he's out. You can do the same with checking/saving accounts etc... It keeps the state's hands off our property we work for....

Isn't there a way to get a house in just our name? This is nuts that they have to be on there...

Deb
__________________


September 10th 2009
Reply With Quote
  #15  
Old 08-19-2003, 08:12 PM
pantherpaws's Avatar
pantherpaws pantherpaws is offline
Lovepanthers are rare
 

Join Date: May 2003
Location: Michigan
Posts: 133
Thanks: 0
Thanked 0 Times in 0 Posts
Default

I`m afraid not after you are actually married.I guess I should of bought the siding before I married him .It`s OK. He can put it on....LOL.He may be able to!They moved his parole date from 8/2007 to 9/22/2003!!
__________________
Pantherpaws*

"Children learn what they live,
and live what they learn".

<!--BEGIN COUNTDOWN CODE--->
<center>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/logos/time98.gif" alt="Time By Escati"

<font face=arial size=1><b> LOVEPANTHERS RULE!JOEYS NEXT PAROLE BOARD HEARING:</b></font><br>
<table border=2 cellpadding=4 bgcolor=dddkkkk><tr><td>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/cgi-bin/countdown.cgi?trgb=000000&srgb=00ff00&prgb=221100& cdt=2005;9;23;9;00;00&timezone=GMT-0600" border=0></a><br>
</td></tr></table>
</center>
<!--END COUNTDOWN CODE--->

Last edited by pantherpaws; 08-19-2003 at 08:30 PM..
Reply With Quote
  #16  
Old 08-20-2003, 12:13 AM
Isadora's Avatar
Isadora Isadora is offline
Registered User
 

Join Date: Jun 2002
Location: Michigan
Posts: 1,242
Thanks: 1
Thanked 5 Times in 5 Posts
Default

I was told that under Michigan law if a man has his name on a house or property his wife automatically owns it too but not vice versa. I was told this by an attorney.
__________________
Never, never, never, never give up!
Reply With Quote
  #17  
Old 08-21-2003, 10:02 AM
pantherpaws's Avatar
pantherpaws pantherpaws is offline
Lovepanthers are rare
 

Join Date: May 2003
Location: Michigan
Posts: 133
Thanks: 0
Thanked 0 Times in 0 Posts
Default

I was told by several banks that his name would be on the house to protect his right to domain residency.That his name is not on the morgage like a co-signer or something.Also I would have to have a will stipulating that as long as my hubby is an inmate I should have the house go to my adult sons if I die ortherwise the state of Ohio could take my house because my hubby is a ward of the state where he is incarcerated.There are so may legalities with home ownership.I need to get a will done.Meanwhile my hubby sees the parole board next month.I wanted the house to look nice when they came through.I can`t get siding right now but I`m gonna focus on the lesser expense of painting inside.The paint is falling off the outside of the house.I had it insulated....it has polka dots plugs.It looks awful..I`m gonna wait and see what happens with the parole board.I will know then what I have to do legally. Thanks everyone for advice.It helped me sort it out.(((HUGS)))
__________________
Pantherpaws*

"Children learn what they live,
and live what they learn".

<!--BEGIN COUNTDOWN CODE--->
<center>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/logos/time98.gif" alt="Time By Escati"

<font face=arial size=1><b> LOVEPANTHERS RULE!JOEYS NEXT PAROLE BOARD HEARING:</b></font><br>
<table border=2 cellpadding=4 bgcolor=dddkkkk><tr><td>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/cgi-bin/countdown.cgi?trgb=000000&srgb=00ff00&prgb=221100& cdt=2005;9;23;9;00;00&timezone=GMT-0600" border=0></a><br>
</td></tr></table>
</center>
<!--END COUNTDOWN CODE--->
Reply With Quote
  #18  
Old 08-22-2003, 06:26 AM
StacysWar030's Avatar
StacysWar030 StacysWar030 is offline
Round 2
 

Join Date: Apr 2003
Location: Michigan, USA
Posts: 8,446
Thanks: 527
Thanked 524 Times in 308 Posts
Default

Good luck with everything.........hope it works out for you!!

Stacy
__________________
LOVE YOU MRS. D. I WILL FOREVER MISS YOU!!
Reply With Quote
  #19  
Old 08-24-2003, 07:05 PM
pantherpaws's Avatar
pantherpaws pantherpaws is offline
Lovepanthers are rare
 

Join Date: May 2003
Location: Michigan
Posts: 133
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Update:
Fifth third called me and said they would still send the loan thru if I still want it.They waived me producing documents stating that my hubby is an inmate and doesn`t reside with me.I think they realized I was truly offended by this because I cancelled the loan.The house title was in my name free and clear.The loan is based on my credit and income.Maybe I made the way here for other inmate family applicants.I hope they learned that they are not going to strongarm us or we will take our business elsewhere.They are being cordial now.I should have the cash in 5-7 business days.Thats good.....they made me wait a month and I`m getting messed up financially waiting to consolidate other debts.I feel I won this one anyway!!IM GETTING SIDING ON MY HOUSE AT LAST!!
__________________
Pantherpaws*

"Children learn what they live,
and live what they learn".

<!--BEGIN COUNTDOWN CODE--->
<center>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/logos/time98.gif" alt="Time By Escati"

<font face=arial size=1><b> LOVEPANTHERS RULE!JOEYS NEXT PAROLE BOARD HEARING:</b></font><br>
<table border=2 cellpadding=4 bgcolor=dddkkkk><tr><td>
<a href="http://escati.com">
<img src="http://escati.linkopp.net/cgi-bin/countdown.cgi?trgb=000000&srgb=00ff00&prgb=221100& cdt=2005;9;23;9;00;00&timezone=GMT-0600" border=0></a><br>
</td></tr></table>
</center>
<!--END COUNTDOWN CODE--->
Reply With Quote
Reply

Bookmarks

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Visiting at York CI. eempdk Connecticut Prison and Jail Specific Discussions 1 01-04-2006 07:20 AM
New process to send funds to inmates? lani Federal General Prison Talk, Introductions & Chit Chat 56 10-22-2004 07:45 PM
Interstate Compact From AZ? afterhours Arizona Visitation, Phones, Packages & Mail Discussions 5 09-15-2004 02:52 PM
DOCS Inmate Lookup Data Definitions Manzanita New York Prison & Jail Visitation, Phones, Packages & Mail 0 08-05-2004 09:55 PM


All times are GMT -6. The time now is 10:03 AM.
Copyright © 2001- 2017 Prison Talk Online
Powered by vBulletin® Version 3.7.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
Website Design & Custom vBulletin Skins by: Relivo Media
Message Board Statistics