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Save Francesca’s Faerie Cottage

12 March 2012

An online campaign is underway to help author Francesca Lia Block save her home, Francesca’s Faerie Cottage, from foreclosure.

I have been in the Faerie Cottage for almost five years. Here is where you have come to share cupcakes and read your stories and laugh and cry. Here is where my children play and snuggle and sing and where my dog barks at you one second and the next is kissing your face. Here is a mermaid bathroom, an apricot tree with tiny pink blossoms, a pond with purple flowers, a jacaranda that I planted, roses tall as a man in spring, a pot of mung beans and rice on the stove, my father’s paintings, my mother’s books, lots of little goddess statues and other charms from you, my friends and readers. My kids can walk to their school, which is great since my ability to drive is getting more and more uncertain (due to the loss of most of the vision in one eye due to a perforated retina and the cataract in the other). Their friends are also within walking distance. It is a safe, lovely neighborhood with a park and a library nearby. I planned on living here until I died, in my bedroom overlooking the garden with my children on either side of me, and everything would be okay. All the heartache and pain and stress would be worth it if I could own this home and pass it on to my kids.

Here’s a link to Save Francesca’s Faerie Cottage where you can find out about how to write to her mortgage holder, The Bank of America. Here’s a link to Francesca’s books on Amazon.

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3 Comments to “Save Francesca’s Faerie Cottage”

  1. Kevin O. McLaughlin

    Thanks for the link, PG.

    For what it’s worth, my family underwent our own near trainwreck with our house a short while back. We were recommended to a govt program to help our loan payments while I was in school. We elected not to do it after reading the paperwork, and sent a “catch up” payment (we’d been instructed by Chase, the mortgage holder, to stop making payments while the process was pending, but carefully set those funds aside instead).

    Chase applied the money to another person’s mortgage. It took three more months for my bank to figure out what had happened and recover the funds. By that time, the bank was threatening foreclosure. We paid the entire amount.

    They foreclosed anyway.

    We paid off the legal fees and ended the foreclose with a signed statement from their lawyer that we were caught up.

    The next month’s bill was $3000 more than our normal payment. After some wrangling with our lawyer, to whom they refused to respond, with the bank threatening another foreclosure, we closed out a significant portion of our investments and paid off the remaining $75k on the mortgage.

    If we hadn’t been in a position to do so, we might have lost our home as well. Nor is ours the only example of this sort of mismanagement of accounts I’ve seen.

    For me, I will never do business with one of these “superbanks” again. I’ll stick with my credit union. I have the greatest of sympathy for folks being wrung out by these corporations.

  2. Hmm. The house already had a balloon mortgage on it and apparently she added a second interest-only mortgage to it, and she doesn’t have the money to pay off the loans, and the house is no longer worth anywhere near it was when they got the balloon mortgage in the first place. (I suspect, actually, that it is now assessed at its actual worth instead of the unreal figures homes in Cali were being appraised at before the dreamland real estate situation went poof.) Unless a whole lot of people donate to Paypal for her or some similar miracle occurs I can’t see any way she isn’t screwed.

    If I were her I’d gather up my kids and my goddess statues and walk, telling the bank to stuff it, but I’m not the sort of person who would call the building I lived in a “faerie cottage.” Of course the bank is being shitty about it, but it sounds like what most big companies do with accounts they get from a dead company: they get last priority after the company’s legacy business, and get shuffled around, and are basically considered a big headache. And no I don’t know why they do that — why they go to the trouble of taking on some dying firms clients only to act like those clients were the ones who caused the whole thing. There’s probably some intricate human nature thing going on, rather the way a stepmother treats her husband’s kids from his previous wife — they aren’t really “hers,” she didn’t have anything to do with their coming into existence, so why should she have to deal with their problems.

  3. I love her books and it makes me sad that she is facing this but it seems by the comments that she might have to move.I don’t live in the states but it seems the financial institutes don’t want to be of any help.

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